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FISVFiserv

Financials · Business Services · Nasdaq

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FY2025 at a glance

Sales up 3.6%, free cash flow down to $4.3B

XBRL, from each 10-K

RevenueStatements ↓

$21.2B

from $20.5B in FY2024

FY2016FY2025

Net incomeStatements ↓

$3.5B

from $3.1B in FY2024

FY2016FY2025

Free cash flowStatements ↓

$4.3B

from $5.1B in FY2024

FY2016FY2025

EPS (diluted)Statements ↓

$6.34

from $5.38 in FY2024

FY2016FY2025

Operating marginStatements ↓

27.5%

from 28.7% in FY2024

FY2016FY2025

Total debtStatements ↓

$29.0B

from $24.8B in FY2024

FY2016FY2025

Price and key numbers

The latest figures

All key numbers (40, from the latest 10-K and 10-Q) From EDGAR

EPS (ttm)	-7.39	Sales (ttm)	20.8B	Net income (ttm)	-3.9B	Sales growth	+3.6%	EPS growth	+17.8%	Sales Q/Q	-1.3%
Free cash flow	3.2B	Gross margin	-	Oper. margin	-10.9%	Net margin	-18.9%	FCF margin	15.2%	ROE	-18.7%
ROA	-5.4%	R&D / sales	-	Dividend	-	Debt/Eq	1.29	Curr. ratio	1.04	Cash	545.0M
Op. cash flow (ttm)	5.0B	EBITDA	6.5B	EBITDA margin	30.6%	Net debt	26.5B	Quick ratio	1.04	Interest cover	3.80
ROIC	9.8%	Tax rate	19.0%	Stock pay / sales	1.7%	Shares out.	532.0M	Shares Y/Y	-5.7%	Book / share	39.58
Cash / share	1.02	Sales / share	39.09	Asset turnover	0.29	Days sales out.	69	Sales 3Y CAGR	+6.1%	Sales 5Y CAGR	+7.4%
EPS 3Y CAGR	+17.5%	EPS 5Y CAGR	+35.3%	Employees	38,000	Sales / employee	547K

Hover or tap a number to see the XBRL line item and filing it comes from; click it to open that filing at SEC. What each number means. Looks wrong? Tell us.

FISV against Financials peers

Ten years, side by side → · All 76 →

FISVPeer median

Each side 0 to 100, ranked against every company we cover: relative position on reported figures, not a buy score. How

Every dot is one of the 76 companies, the better end on the right. Hover a dot for the company.

Sales growth

+3.6%61st of 76 · median +7.2%

Net margin

-18.9%76th of 76 · median 20.4%

Return on equity

-18.7%74th of 74 · median 16.7%

Free cash flow margin

15.2%37th of 49 · median 21.5%

Debt / equity (less is better)

1.2951st of 62 · median 0.70

FISV and the 5 peers closest in revenue
Company	Revenue (ttm)	Sales growth	Gross margin	Net margin	ROE	FCF margin	Debt / equity
FISV Fiserv	$20.8B	+3.6%	-	-18.9%	-18.7%	15.2%	1.29
BNY BNY Mellon	$22.0B	+7.8%	-	29.8%	15.0%	32.5%	0.92
KKR KKR & Co.	$20.3B	-11.0%	-	16.8%	11.3%	-	-
AMP Ameriprise Financial	$20.1B	+5.5%	-	20.7%	81.4%	36.4%	-
TFC Truist Financial	$19.4B	+53.0%	-	25.1%	7.9%	-	1.07
SYF Synchrony Financial	$19.3B	-2.8%	-	17.3%	20.1%	-	1.03

Profitability

1 of 3

!
Net margin below the peer median-18.9% vs 20.4%
!
Return on equity below 15%-18.7%
✓
A profit in every one of 10 years

Net margin, FY2016 to FY2025: 16.9% → 16.4%

Balance sheet

1 of 4

!
Interest covered less than 5 timesOperating income is 3.8× interest expense
!
Debt larger than equityDebt / equity 1.29 on the latest balance sheet (peer median 0.70)
✓
Current assets cover current liabilitiesCurrent ratio 1.04
!
Net debt over 3 years of free cash flow$26.5B net debt, 8.4 years

Debt / equity at each year end, FY2016 to FY2025: 1.80 → 1.12

What the debt is made of ↓

Cash and shareholders

3 of 3

✓
Free cash flow positive in every one of 10 years$4.3B last year
✓
Share count down over 5 years−19.7%
✓
Cash from operations above net income$6.1B vs $3.5B

Free cash flow, FY2016 to FY2025: 1.1B → 4.3B

Each tick is a fact with a fixed rule (on /methodology), not a score or advice. A check without the numbers it needs is left out.

Debt

$29.2B of principal due, schedule of Dec 31, 2025

Repayment schedule →

From the balance sheet in the latest 10-K or 10-Q (XBRL). When each part falls due, year by year, and the debt note's own lines are on the Debt tab.

Revenue and net income, FY2016 to FY2025

Revenue 21.2B Net income 3.5B

From XBRL in each 10-K. Hover a bar for the line item and filing. Full financials →

Where the $21.2B of revenue came from

by product, year to Dec 31, 2025

Processing and services revenue $16.9B · 80%
Product revenue $4.3B · 20%

From the segment tables in the 10-K XBRL. Revenue by segment, product and region →

Statements

Income statement, balance sheet and cash flow

XBRL, each 10-K and 10-Q

FISV's income statement, balance sheet and cash flow as reported to the SEC in XBRL, one column per fiscal year. Hover a number to see the line item and filing it comes from. Where a company changed how it tags a line, the first tag it reported for that period is used. A number looks wrong? Tell us.

Annual Quarterly

Revenue21.2B

Net income3.5B

Free cash flow4.3B

EPS (diluted)6.34

Diluted shares549.0M

The segments changed

10-K filed 2026-02-19

Compared with the 10-K of Feb 20, 2025: new segments Financial Solutions, Merchant Solutions; no longer reported: Financial, Merchant.

When a company changes its segments, the years before are usually recast, so growth by segment is not comparable with what earlier 10-Ks showed. Found by comparing the segments with revenue in the last two 10-Ks (XBRL) and by the 10-K's own words, without AI.

Revenue by business segment

year to Dec 31, 2025

	Revenue	Share	vs year before
Merchant Solutions	10.1B	47.8%	+5.3%
Financial Solutions	9.7B	45.6%	+2.0%

10-K 0000798354-26-000009, segment and revenue notes (XBRL).

Revenue by product or service

year to Dec 31, 2025

	Revenue	Share	vs year before
Processing and services revenue	16.9B	79.6%	+1.5%
Product revenue	4.3B	20.4%	+13.0%

10-K 0000798354-26-000009, segment and revenue notes (XBRL).

Income statement

From EDGAR

	FY2016	FY2017	FY2018	FY2019	FY2020	FY2021	FY2022	FY2023	FY2024	FY2025
Revenue	5.5B	5.7B	5.8B	10.2B	14.9B	16.2B	17.7B	19.1B	20.5B	21.2B
Cost of revenue	747.0M	733.0M	745.0M	-	-	-	-	-	-	-
SG&A	1.1B	1.1B	1.2B	3.3B	5.7B	5.8B	6.1B	6.6B	6.6B	6.9B
Operating income	1.4B	1.5B	1.8B	1.6B	1.9B	2.3B	3.7B	5.0B	5.9B	5.8B
Interest expense	163.0M	176.0M	193.0M	507.0M	716.0M	696.0M	746.0M	1.0B	1.2B	1.5B
Pretax income	1.3B	1.4B	1.6B	1.1B	1.2B	1.7B	2.9B	3.9B	4.5B	4.3B
Income tax	492.0M	158.0M	378.0M	198.0M	196.0M	363.0M	551.0M	754.0M	641.0M	811.0M
Net income	930.0M	1.2B	1.2B	893.0M	958.0M	1.3B	2.5B	3.1B	3.1B	3.5B
EPS (diluted)	2.08	2.89	2.87	1.71	1.40	1.99	3.91	4.98	5.38	6.34
Diluted shares	447.8M	431.3M	413.7M	522.6M	683.4M	671.6M	647.9M	615.9M	582.1M	549.0M
Depreciation & amortization	421.0M	444.0M	556.0M	1.8B	3.3B	3.2B	3.2B	3.2B	589.0M	669.0M
EBITDA	1.9B	2.0B	2.3B	3.4B	5.1B	5.5B	7.0B	8.2B	6.5B	6.5B
Operating margin	26.2%	26.9%	30.1%	15.8%	12.5%	14.1%	21.1%	26.3%	28.7%	27.5%
Net margin	16.9%	21.9%	20.4%	8.8%	6.5%	8.2%	14.3%	16.1%	15.3%	16.4%
Revenue growth	-	+3.5%	+2.2%	+74.9%	+45.8%	+9.3%	+9.3%	+7.6%	+7.1%	+3.6%
EPS growth	-	+38.9%	-0.7%	-40.4%	-18.1%	+42.1%	+96.5%	+27.4%	+8.0%	+17.8%

Balance sheet

From EDGAR

	FY2016	FY2017	FY2018	FY2019	FY2020	FY2021	FY2022	FY2023	FY2024	FY2025
Cash	-	-	415.0M	893.0M	906.0M	835.0M	902.0M	1.2B	1.2B	798.0M
Receivables	902.0M	997.0M	1.0B	2.8B	2.5B	2.9B	3.6B	3.6B	3.7B	4.0B
Current assets	1.7B	2.0B	2.2B	17.0B	16.2B	18.9B	27.5B	34.8B	23.5B	24.7B
Property & equipment	405.0M	390.0M	398.0M	1.6B	1.6B	1.7B	2.0B	2.2B	2.4B	3.1B
Goodwill	5.4B	5.6B	5.7B	36.0B	36.3B	36.4B	36.8B	37.2B	36.6B	37.7B
Total assets	9.7B	10.3B	11.3B	77.5B	74.6B	76.2B	83.9B	90.9B	77.2B	80.1B
Accounts payable	110.0M	80.0M	127.0M	392.0M	437.0M	593.0M	652.0M	449.0M	511.0M	797.0M
Current liabilities	1.8B	1.9B	2.0B	15.7B	15.6B	18.3B	26.5B	33.6B	22.2B	23.9B
Total debt	4.6B	4.9B	6.0B	21.9B	20.7B	21.2B	21.4B	23.1B	24.8B	29.0B
Total liabilities	7.2B	7.6B	9.0B	42.7B	41.3B	44.3B	52.2B	60.2B	49.5B	54.3B
Shareholders' equity	2.5B	2.7B	2.3B	33.0B	32.3B	31.0B	30.8B	29.9B	27.1B	25.8B
Retained earnings	9.0B	10.2B	11.6B	12.5B	13.4B	14.8B	17.4B	20.4B	23.6B	27.1B

Cash flow

From EDGAR

	FY2016	FY2017	FY2018	FY2019	FY2020	FY2021	FY2022	FY2023	FY2024	FY2025
Operating cash flow	1.4B	1.5B	1.6B	2.8B	4.1B	4.0B	4.6B	5.2B	6.6B	6.1B
Capital spending	290.0M	287.0M	360.0M	721.0M	900.0M	1.2B	1.5B	1.4B	1.6B	1.8B
Free cash flow	1.1B	1.2B	1.2B	2.1B	3.2B	2.9B	3.1B	3.8B	5.1B	4.3B
Stock-based pay (added back)	68.0M	63.0M	73.0M	229.0M	369.0M	239.0M	323.0M	342.0M	367.0M	357.0M
Buybacks	1.2B	1.2B	1.9B	-	-	-	-	-	-	-
Acquisitions	265.0M	384.0M	712.0M	15.1B	139.0M	848.0M	988.0M	13.0M	0	820.0M
Debt raised	2.1B	2.3B	5.0B	20.0B	8.9B	6.4B	1.6B	5.6B	6.8B	6.5B
Investing cash flow	-554.0M	-657.0M	-663.0M	-15.7B	-341.0M	-1.6B	-2.1B	-1.1B	-2.4B	-2.5B
Financing cash flow	-852.0M	-820.0M	-842.0M	14.4B	-3.4B	-1.7B	-2.5B	-4.4B	-4.2B	-3.8B

Stock-based pay and leases

From EDGAR

	FY2016	FY2017	FY2018	FY2019	FY2020	FY2021	FY2022	FY2023	FY2024	FY2025
Stock-based pay (expense)	68.0M	63.0M	73.0M	229.0M	369.0M	239.0M	323.0M	342.0M	367.0M	357.0M
Stock-based pay / revenue	1.2%	1.1%	1.3%	2.2%	2.5%	1.5%	1.8%	1.8%	1.8%	1.7%
Operating lease cost	-	-	-	207.0M	198.0M	162.0M	186.0M	185.0M	193.0M	201.0M
Operating lease cash paid	-	-	-	139.0M	155.0M	153.0M	131.0M	134.0M	124.0M	128.0M
Finance lease principal paid	-	-	-	37.0M	187.0M	161.0M	183.0M	207.0M	264.0M	345.0M
Right-of-use assets	-	-	-	684.0M	504.0M	575.0M	586.0M	628.0M	595.0M	589.0M
Operating lease liabilities	-	-	-	743.0M	596.0M	737.0M	752.0M	783.0M	770.0M	763.0M
Finance lease liabilities	-	-	-	222.0M	375.0M	443.0M	522.0M	617.0M	626.0M	1.1B

From SEC's XBRL company facts (data.sec.gov). EBITDA = operating income + depreciation and amortization; free cash flow = operating cash flow - capital spending; total debt = long-term debt (with its current part) + short-term borrowings. Stock-based pay and leases are shown as the company reports them; Tickdelta does not take them out of earnings or add leases to debt. Click a number to open the filing in SEC's Inline XBRL viewer, where you can click the same number to see how it is tagged. Values a company later revised show as revised; the Revised numbers tab lists the changes.

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