FISFidelity National Information Services

Financials · Business Services · NYSE

FIS is a financial technology company providing solutions to financial institutions, businesses and developers. 10-K, Item 1

Employees: 44,000
Headquarters: Jacksonville, FL
Next results: around Feb 23, 2027

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What the 10-K filed 2026-02-24 says about risks that are not on the face of the balance sheet, from the notes to the financial statements, Legal Proceedings and the MD&A (and, for big customers and key suppliers, Business and Risk Factors). Tickdelta picks sentences with specifics (amounts, accruals, covenant ratios) and quotes them as filed. New marks a sentence with nothing like it in the 10-K filed 2025-02-13.

Big customers

Customers the company names as a large share of revenue or receivables (it must name any worth 10% of revenue).

“The Company generates a significant amount of revenue from large clients; however, no individual client accounted for 10% or more of total revenue in the years ended December 31, 2025, 2024 and 2023.”
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Key suppliers

Parts or manufacturing that depend on one or a few suppliers.

No specific sentence about this in the 10-K.

Lawsuits and legal claims

1 new

Pending cases, settlements and what the company has set aside for them.

“The Company is involved in various pending and threatened litigation matters related to its business and operations, some of which include claims for punitive or exemplary damages.”
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“The Company reviews all of its litigation on an ongoing basis and follows the authoritative guidance for accounting for contingencies when making accrual and disclosure decisions.”
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“On March 6, 2023, a putative class action was filed in the United States District Court for the Middle District of Florida by a shareholder of the Company.”
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“Lead plaintiffs were appointed, and a consolidated amended complaint was filed on August 2, 2023.”
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New “On December 19, 2025, the plaintiffs filed a motion for preliminary approval of the settlement.”
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Guarantees and indemnities

Promises to pay someone else's debts or losses if they cannot.

“Worldpay’s aggregate amount of borrowing capacity under the standby letters of credit guaranteed by FIS was $294 million and $273 million as of December 31, 2025 and 2024, respectively.”
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“There is no limitation to the maximum potential future payments under the other remaining Guarantees, and such maximum potential amount of future payments under the other remaining Guarantees cannot be estimated due to the conditional nature of the Company's obligations and the unique facts and circumstances involved in each agreement.”
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Debt covenants

Conditions in loan agreements that, if broken, can make debt due early.

“The Senior Notes are subject to customary covenants, including, among others, customary events of default.”
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Commitments off the balance sheet

Contracts the company must pay for later: purchase obligations, take-or-pay deals.

No specific sentence about this in the 10-K.

Sentences are chosen by their words, not read by AI, so some can be off topic. Always check the filing. Open the 10-K ↗

Work on FIS in a spreadsheet: Excel workbook (a sheet per section, ten years by column, charts, links to the filings) · CSV. For a Google Sheet that stays up to date, paste =IMPORTDATA("https://tickdelta.com/company/FIS/export.csv") into a cell.