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Fiserv, Inc. (FISV)
NASDAQ:FISV
Earnings Data
Report Date
Apr 28, 2026After Close (Confirmed)
Period Ending
2026 (Q1)Consensus EPS Forecast
1.61Last Year’s EPS
2.14Same Quarter Last Year
Based on 23 Analysts Ratings
Earnings Call Summary
Earnings Call Sentiment|Positive
The call presented a mix of constructive operational progress and product/innovation milestones (notably strong Clover momentum, Commerce Hub and Finxact growth, cash flow and EPS outperformance, strategic client wins and acquisitions) alongside meaningful near-term challenges (Financial Solutions revenue and margin declines, banking client attrition, Project Elevate one-time costs, and expected margin pressure in H1 2026). Management reiterated a clear multi-quarter plan, provided 2026 guidance in line with prior expectations, and emphasized investments to stabilize and modernize core businesses while pursuing growth opportunities.Company Guidance
Total Company Revenue and Profitability
Q4 adjusted revenue of $4.9B (flat YoY) and Q4 adjusted operating income of $1.7B (adjusted operating margin 34.9%). Full-year adjusted revenue $19.8B, up 4% YoY, with full-year adjusted operating income $7.4B and adjusted operating margin of 37.4% (down 200 bps YoY).
EPS and Free Cash Flow Outperformance
Fourth quarter adjusted EPS of $1.99 and full-year adjusted EPS of $8.64 (above guidance of $8.50–$8.60). Free cash flow Q4 $1.6B and full-year $4.44B, ahead of guidance ($4.25B) with ~93% conversion.
Merchant Solutions Strength and Clover Momentum
Merchant Solutions grew ~6% organically for the year. Clover revenue was $3.3B for the year, up 23% YoY; Clover revenue grew 12% in Q4 and Clover Capital grew 30% in North America in 2025. Clover value-added services contributed 27% of Clover revenue in Q4, up 5 points YoY.
Transaction and Volume Performance
Small business volume grew 7% in Q4 (inclusive of CCV). Clover volume grew 6% reported in Q4 and 9% excluding gateway conversion; volumes reaccelerated to ~11% ex gateway conversion in December and January.
Product & Platform Innovation Progress
Commerce Hub launched across the Americas and Commerce Hub platform processed over $200B in 2025 (>200% YoY growth). Finxact surpassed 30 million accounts and positions, representing >80% growth in 2025. CashFlow Central live with 5 FI clients and >100,000 SMB users; 155 FI signed and ~400-prospect pipeline.
Strategic Client Wins and Distribution Gains
Notable wins and expansions: new/expanded Commerce Hub deals (medical device company, large specialty retailer, AT&T), Mechanics Bancorp (>$22B) adopted core and XD digital, Republic Bank chose DNA core, expansion with Robinhood, added 47 banks to Clover referral ecosystem, refreshed Truist relationship and expanded ISO/agent channels.
Capital Allocation and Balance Sheet Actions
Repurchased 3M shares for approximately $200M and paid down >$1B of debt after acquisitions. Ended year with debt-to-adjusted-EBITDA of 3.0x (in-line with target) and reiterated long-term leverage target of 2.5–3.0x.
Strategic Acquisitions and New Capabilities
Closed StoneCastle acquisition adding stablecoin custody capabilities and next-gen cash management capabilities for merchants; advanced stablecoin pilots with Huntington and other banks; capability to recycle reserves to financial institutions is a unique capability.
FISV Earnings History
The table shows recent earnings report dates and whether the forecast was beat or missed. See the change in forecast and EPS from the previous year.
Beat
Missed
FISV Earnings-Related Price Changes
Report Date | Price 1 Day Before | Price 1 Day After | Percentage Change |
|---|---|---|---|
Feb 10, 2026 | $60.14 | $62.59 | +4.07% |
Oct 29, 2025 | $126.17 | $70.60 | -44.04% |
Jul 23, 2025 | $165.98 | $143.00 | -13.85% |
Apr 24, 2025 | $217.10 | $176.90 | -18.52% |
Earnings announcements can affect a stock’s price. This table shows the stock's price the day before and the day after recent earnings reports, including the percentage change.
FAQ
When does Fiserv, Inc. (FISV) report earnings?
Fiserv, Inc. (FISV) is schdueled to report earning on Apr 28, 2026, After Close (Confirmed).
What is Fiserv, Inc. (FISV) earnings time?
Fiserv, Inc. (FISV) earnings time is at Apr 28, 2026, After Close (Confirmed).
Where can I see when companies are reporting earnings?
You can see which companies are reporting today on our designated earnings calendar.
What companies are reporting earnings today?
You can see a list of the companies which are reporting today on TipRanks earnings calendar.
What is FISV EPS forecast?
FISV EPS forecast for the fiscal quarter 2026 (Q1) is 1.61.