FIS Fidelity National Information Services
FY2025 10-K
Fidelity National Information Services (FIS) filed its fiscal year 2025 10-K annual report with the SEC on Feb 24, 2026. This page provides AI-powered analysis of the filing, including business overview, management discussion, risk factors, and key financial metrics from XBRL data.
AI Filing AnalysisFY2025 10-K
Business Overview
- • Core model: Financial technology platform serving banks, capital markets firms, and businesses across payments, core banking, and capital markets software via multi-year recurring contracts
- • Major M&A pivot: Acquired Global Payments' Issuer Solutions business for ~$7.7B (new debt-funded); simultaneously sold remaining 45% Worldpay stake to Global Payments, closing January 9, 2026
Management Discussion & Analysis
- • Revenue $10,677M in 2025, up $550M (~5%) YoY; Banking +6% to $7,285M, Capital Markets +7% to $3,196M
- • Operating margin not explicitly stated as %; Banking Adjusted EBITDA margin 43.4% vs 44.0%; Capital Markets margin 51.8% vs 51.0%
Risk Factors
- • DORA designation as Critical Third-Party Provider subjects FIS to new EU regulatory oversight, with E.U. AI Act compliance deadlines phased Aug 2025–2027
- • International ops ~23% of 2025 revenue exposed to FX and geopolitical risk; BRICS nations actively targeting Western payment infrastructure via cyberattacks
Financial SummaryXBRL
Revenue
$10.7B
Net Income
$382M
Gross Margin
36.9%
Operating Margin
16.3%
Net Margin
3.6%
ROE
2.7%
Total Assets
$33.5B
EPS (Diluted)
$0.73
Operating Cash Flow
$2.6B
Source: XBRL data from Fidelity National Information Services FY2025 10-K filing on SEC EDGAR. All figures in USD.
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