Fiserv said total revenue for Q3 2025 increased $48 million (1%) compared with the year-earlier quarter, with 5% growth in its Merchant segment and 3% decline in its Financial segment, and total operating income decreased $166 million (10%).

1. 01

   Fiserv said total revenue for Q3 2025 increased $48 million (1%) compared with the year-earlier quarter, with 5% growth in its Merchant segment and 3% decline in its Financial segment, and total operating income decreased $166 million (10%).

2. 02

   The company said Financial segment revenue for Q3 2025 decreased $79 million (3%), with a decrease in license and termination fee revenue of $49 million negatively impacting segment revenue by 2%.

3. 03

   Fiserv said operating cash flow for the first 9 months of 2025 was $4.1 billion, a 7% decrease compared with $4.4 billion for the first 9 months of 2024, and it repurchased 29.1 million shares for $5.4 billion during the same period.

4. 04

   The company said it issued $2.0 billion of senior notes in August 2025, entered into a new revolving credit facility of up to $8.0 billion, and had no outstanding borrowings under that facility as of September 30, 2025.

Key figures

Quarter ended September 30, 2025

Revenue

$5.3B

Operating income

$1.4B

Net income

$792M

EPS

$1.46

Analysis scope · Management's discussion (MD&A)We analyzed excerpts of the Management's Discussion and Analysis (MD&A) section (with omissions). Other sections of the report, such as the notes to the financial statements and risk factors, were not reviewed.

AI summarized the filing and translated the summary into English; it may differ from the original. For reference only, not investment advice. AI translated the published Korean report into English. Figures are copied as filed, not recalculated.

Original filing

The filing as submitted to SEC EDGAR. You can check the figures and statements of this summary against it.