Snapshot
Fiserv Inc reported $5.26B of revenue in Q3 2025, up 0.9% year over year, with diluted EPS of $1.46 and an operating margin of 27.3%.
- Revenue
- $5.26B
- YoY growth
- +0.9%
- Diluted EPS
- $1.46
- Operating margin
- 27.3%
$5.26B
Revenue
+0.9%
YoY growth
$1.46
Diluted EPS
27.3%
Operating margin
01 Key takeaways
What management said
- •Our earnings release and supplemental materials for the quarter are available on the Investor Relations section of fiserv.com.
- •You should refer to our earnings release for a discussion of these risk factors.
- •By now you've seen our results and revised guidance for the year.
- •Second, we have established a new revenue and earnings baseline consisting of high-quality, structural, largely recurring revenues driven by meeting our clients' needs and aspirations.
- •While this pivot will negatively impact near-term results, our team has embraced this change and it will best position us for predictable and sustainable growth and margins.
- •Critical software solutions ignite our gateways and orchestration layers, facilitate embedded finance, and improve our operations.
- •When combined with operating leverage, significant free cash flow generation, and highly disciplined capital allocation, this will ultimately support double digit adjusted EPS growth and present an attractive constant compounder investment case.
- •One of the key takeaways from our analysis is that Fiserv's growth and margin targets need to be reset.
- •While we have previously sized the impact of excess Argentinian interest rates and inflation on our organic growth, today we're providing a holistic view of how Argentina has impacted Fiserv's performance.
- •Specifically, Argentina contributed over 5 percentage points to our 12% organic growth rate in 2023 and roughly 10 percentage points to our 16% organic growth in 2024.
- •Therefore, excluding Argentina, the company's overall organic revenue growth rate was in the mid single digits in both 2023 and 2024.
- •Year to date, Argentina's organic growth rate is 56%, adding roughly 2 percentage points to our overall organic growth rate of just over 5%.
SourcesCompany financials · earnings call
Last updated