FISV Fiserv
FY2025 10-K
Fiserv (FISV) filed its fiscal year 2025 10-K annual report with the SEC on Feb 19, 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 business: Global provider of payments and financial services technology for merchants, banks, and institutions
- • New emphasis: Launch of FIUSD stablecoin embedded in banking and payments ecosystem for digital asset services
Management Discussion & Analysis
- • Revenue $7.98B, up 7.9% YoY from $7.40B in 2024 driven by Merchant and Financial segment growth
- • Operating margin 22.4% vs 21.5% in prior year reflecting efficiency improvements and AI integration
Risk Factors
- • Regulatory risk from U.S. and international AI laws potentially limiting AI use and exposing to enforcement under “high risk” AI regulations
- • Geopolitical risk from international operations exposed to political instability, terrorism, war, and economic volatility in emerging markets
Financial SummaryXBRL
Revenue
$21.2B
Net Income
$3.5B
Operating Margin
27.5%
Net Margin
16.4%
ROE
13.5%
Total Assets
$80.1B
EPS (Diluted)
$6.34
Operating Cash Flow
$6.1B
Source: XBRL data from Fiserv FY2025 10-K filing on SEC EDGAR. All figures in USD.
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