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Financials · FISV

Fiserv Inc. (FISV) financials

For the twelve months ended Sep 30, 2026, Fiserv Inc. reported $20.80B of revenue and -$3.93B of net income.

Revenue, TTM
$20.80B
Revenue growth, YoY
-1.7%
Net income, TTM
-$3.93B
Net margin
-18.9%
Free cash flow, TTM
$3.16B
EPS, diluted, TTM
-$7.42
Cash
$545.00M
Total debt
$27.06B
P/S
1.61
Market cap
$33.45B
Annual revenue$21.19B
FY2016FY2025
Annual net income$3.48B
FY2016FY2025
Annual free cash flow$4.30B
FY2016FY2025

FISV revenue and earnings growth

FISV revenueQ3 2026$5.20B

Quarter YoY
-1.3%
QoQ
-1.8%
FY YoY
+3.6%
5Y CAGR
+7.4%
10Y CAGR
+15.0%

FISV revenue was $5.20B in fiscal Q3 2026 (ended Sep 30, 2026), down 1.3% from a year earlier and down 1.8% from the prior quarter. For the full fiscal 2025 it was $21.19B, up 3.6% from fiscal 2024. Compound annual growth was +7.4% over 5 years and +15.0% over 10 years. It rose in each of the last 10 fiscal years. Fiscal 2025 is the highest of the 15 fiscal years on file.

FISV net incomeQ3 2026-$5.94B

FY YoY
+11.1%
5Y CAGR
+29.4%
10Y CAGR
+17.2%

FISV net income was -$5.94B in fiscal Q3 2026 (ended Sep 30, 2026), compared with $792.00M a year earlier. For the full fiscal 2025 it was $3.48B, up 11.1% from fiscal 2024. Compound annual growth was +29.4% over 5 years and +17.2% over 10 years. It rose in 8 of the last 10 fiscal years. Fiscal 2025 is the highest of the 15 fiscal years on file.

FISV EPSQ3 2026-$11.17

FY YoY
+17.8%
5Y CAGR
+35.3%
10Y CAGR
+15.5%

FISV diluted EPS was -$11.17 in fiscal Q3 2026 (ended Sep 30, 2026), compared with $1.46 a year earlier. For the full fiscal 2025 it was $6.34, up 17.8% from fiscal 2024. Compound annual growth was +35.3% over 5 years and +15.5% over 10 years.

FISV free cash flowQ3 2026$530.00M

Quarter YoY
-59.2%
QoQ
-46.2%
FY YoY
-15.1%
5Y CAGR
+5.8%
10Y CAGR
+15.9%

FISV free cash flow was $530.00M in fiscal Q3 2026 (ended Sep 30, 2026), down 59.2% from a year earlier and down 46.2% from the prior quarter. For the full fiscal 2025 it was $4.30B, down 15.1% from fiscal 2024. Compound annual growth was +5.8% over 5 years and +15.9% over 10 years. It rose in 7 of the last 10 fiscal years.

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Income statement

Income statement
Line item
FY2025
Dec 31, 2025
FY2024
Dec 31, 2024
FY2023
Dec 31, 2023
FY2022
Dec 31, 2022
FY2021
Dec 31, 2021
FY2020
Dec 31, 2020
FY2019
Dec 31, 2019
FY2018
Dec 31, 2018
FY2017
Dec 31, 2017
FY2016
Dec 31, 2016
Revenue$21.19B$20.46B$19.09B$17.74B$16.23B$14.85B$10.19B$5.82B$5.70B$5.50B
Cost of revenue-------$745.00M$733.00M$747.00M
Gross profit-------$5.08B$4.96B$4.76B
Selling, general and admin$6.88B$6.56B$6.58B$6.06B$5.81B$5.65B$3.28B$1.23B$1.15B$1.10B
Operating income$5.82B$5.88B$5.01B$3.74B$2.29B$1.85B$1.61B$1.75B$1.53B$1.45B
Interest expense$1.53B$1.24B$1.00B$746.00M$696.00M$716.00M$507.00M$193.00M$176.00M$163.00M
Pre-tax income$4.26B$4.51B$3.90B$2.91B$1.67B$1.17B$1.08B$1.55B$1.36B$1.27B
Income tax$811.00M$641.00M$754.00M$551.00M$363.00M$196.00M$198.00M$378.00M$158.00M$492.00M
Net income$3.48B$3.13B$3.07B$2.53B$1.33B$958.00M$893.00M$1.19B$1.25B$930.00M
EPS, basic$6.36$5.41$5.02$3.94$2.01$1.42$1.74$2.93$2.95$2.11
EPS, diluted$6.34$5.38$4.98$3.91$1.99$1.40$1.71$2.87$2.89$2.08
Diluted shares549.0M582.1M615.9M647.9M671.6M683.4M522.6M413.7M431.3M447.8M

Balance sheet

Balance sheet
Line item
FY2025
Dec 31, 2025
FY2024
Dec 31, 2024
FY2023
Dec 31, 2023
FY2022
Dec 31, 2022
FY2021
Dec 31, 2021
FY2020
Dec 31, 2020
FY2019
Dec 31, 2019
FY2018
Dec 31, 2018
FY2017
Dec 31, 2017
FY2016
Dec 31, 2016
Cash and equivalents$798.00M$2.99B$1.20B$3.19B$3.21B$2.57B$893.00M$415.00M--
Receivables$3.98B$3.73B$3.58B$3.58B$2.86B$2.48B$2.78B$1.05B$997.00M$902.00M
Current assets$24.65B$23.48B$34.81B$27.54B$18.87B$16.22B$17.05B$2.22B$1.98B$1.73B
Goodwill$37.70B$36.58B$37.20B$36.81B$36.43B$36.32B$36.04B$5.70B$5.59B$5.37B
Total assets$80.13B$77.18B$90.89B$83.87B$76.25B$74.62B$77.54B$11.26B$10.29B$9.74B
Current liabilities$23.89B$22.16B$33.55B$26.46B$18.30B$15.64B$15.73B$2.01B$1.94B$1.82B
Short-term debt$1.24B$1.11B$755.00M$468.00M$508.00M$384.00M$287.00M$4.00M--
Long-term debt$27.76B$23.73B$22.36B$20.95B$20.73B$20.30B$21.61B$5.96B$4.90B$4.47B
Total debt$29.00B$24.84B$23.12B$21.42B$21.24B$20.68B$21.90B$5.96B$4.90B$4.47B
Total liabilities$54.32B$49.49B$60.22B$52.18B$44.30B$41.29B$42.68B$8.97B$7.56B$7.20B
Shareholders' equity$25.79B$27.69B$30.51B$31.53B$31.67B$33.07B$34.59B$2.29B$2.73B$2.54B

Cash flow

Cash flow
Line item
FY2025
Dec 31, 2025
FY2024
Dec 31, 2024
FY2023
Dec 31, 2023
FY2022
Dec 31, 2022
FY2021
Dec 31, 2021
FY2020
Dec 31, 2020
FY2019
Dec 31, 2019
FY2018
Dec 31, 2018
FY2017
Dec 31, 2017
FY2016
Dec 31, 2016
Operating cash flow$6.06B$6.63B$5.16B$4.62B$4.03B$4.15B$2.79B$1.55B$1.48B$1.43B
Capital expenditures$1.76B$1.57B$1.39B$1.48B$1.16B$900.00M$721.00M$360.00M$287.00M$290.00M
Free cash flow$4.30B$5.06B$3.77B$3.14B$2.87B$3.25B$2.07B$1.19B$1.20B$1.14B
Investing cash flow-$2.52B-$2.40B-$1.07B-$2.11B-$1.63B-$341.00M-$15.68B-$663.00M-$657.00M-$554.00M
Financing cash flow-$3.83B-$4.17B-$4.36B-$2.48B-$1.74B-$3.43B$14.37B-$842.00M-$820.00M-$852.00M
Share repurchases-------$1.95B$1.22B$1.25B
Stock-based compensation$357.00M$367.00M$342.00M$323.00M$239.00M$369.00M$229.00M$73.00M$63.00M$68.00M
Depreciation and amortization--$3.16B$3.21B$3.25B$3.26B$1.78B$556.00M$444.00M$421.00M

Key ratios

Key ratios
Line item
FY2025
Dec 31, 2025
FY2024
Dec 31, 2024
FY2023
Dec 31, 2023
FY2022
Dec 31, 2022
FY2021
Dec 31, 2021
FY2020
Dec 31, 2020
FY2019
Dec 31, 2019
FY2018
Dec 31, 2018
FY2017
Dec 31, 2017
FY2016
Dec 31, 2016
Revenue growth, YoY3.6%7.1%7.6%9.3%9.3%45.8%74.9%2.2%3.5%4.8%
Net income growth, YoY11.1%2.1%21.3%89.7%39.2%7.3%-24.8%-4.7%34.0%30.6%
EPS growth, YoY17.8%8.0%27.4%96.5%42.1%-18.1%-40.4%-0.7%38.9%39.1%
Gross margin-------87.2%87.1%86.4%
Operating margin27.5%28.7%26.3%21.1%14.1%12.5%15.8%30.1%26.9%26.2%
Net margin16.4%15.3%16.1%14.3%8.2%6.5%8.8%20.4%21.9%16.9%
Free cash flow margin20.3%24.7%19.8%17.7%17.7%21.9%20.4%20.5%21.0%20.7%
Return on equity13.5%11.3%10.1%8.0%4.2%2.9%2.6%51.8%45.6%36.6%
Return on assets4.3%4.1%3.4%3.0%1.7%1.3%1.2%10.5%12.1%9.5%
Current ratio1.031.061.041.041.031.041.081.111.020.95
Debt to equity1.120.900.760.680.670.630.632.601.791.76

Source: XBRL data Fiserv Inc. files with the SEC, latest filing dated Nov 4, 2026 (see filings on SEC EDGAR). Provided for information only, not investment advice. Check the filing before relying on a number.

* Worked out from the filings rather than stated in them: Q4 is the full year less the first nine months.

Per-share figures and share counts are restated for stock splits the filings show: 2-for-1, first reported Feb 20, 2014; 2-for-1, first reported May 2, 2018.

EPS growth is left out where the share count moved enough to suggest a split the filings do not show. Growth rates need a positive starting figure. CAGR is compound annual growth between fiscal years. The CSV holds every period on file, in full figures, from the same SEC filings.

FISV peers

CompanyRevenueGrowthNet incomeNet marginMarket cap
FISV$20.80B-1.7%-$3.93B-18.9%$33.45B
FIS$12.94B+23.6%$3.46B26.8%$14.81B
ACIW$1.76B+1.9%$166.97M9.5%$6.06B
MQ$690.09M+17.2%$129.45M18.8%$1.93B

FISV FAQ

8 questions
  • What is FISV revenue?
    Fiserv Inc. (FISV) reported $20.80B of revenue for the twelve months ended Sep 30, 2026. That is down 1.7% from the year before. Revenue for fiscal 2025 was $21.19B.
  • Is FISV profitable?
    No. Fiserv Inc. reported a net loss of $3.93B for the twelve months ended Sep 30, 2026.
  • How much cash and debt does FISV have?
    Fiserv Inc. reported $545.00M in cash and cash equivalents and $27.06B of debt on its most recent balance sheet in SEC filings.
  • How fast is FISV revenue growing?
    Fiserv Inc.'s revenue changed +3.6% in fiscal 2025, to $21.19B. Its compound annual growth rate was +7.4% over 5 years and +15.0% over 10 years.
  • What is FISV free cash flow?
    Fiserv Inc. generated $3.16B of free cash flow for the twelve months ended Sep 30, 2026, which is operating cash flow of $5.04B less capital expenditures.
  • What is FISV earnings per share?
    Diluted earnings per share were -$7.42 for the twelve months ended Sep 30, 2026, from SEC filings, restated for any stock split those filings show.
  • When did FISV last report financial results?
    The latest statements here come from Fiserv Inc.'s 10-Q filed on Nov 4, 2026, covering the period ended Sep 30, 2026.
  • Where does this FISV financial data come from?
    Quantisnow builds these statements from the structured XBRL data Fiserv Inc. files with the SEC. It is provided for information only and is not investment advice.