Fiserv (FISV) FY2025 10-K Annual Report
Fiserv (FISV) 10-K annual report for fiscal year 2025, filed with SEC EDGAR on Feb 19, 2026. This page provides AI-powered analysis including business overview, management discussion & analysis (MD&A), risk factors, and key financial data such as revenue, net income, gross margin, operating margin, and return on equity (ROE) extracted from XBRL.
Fiserv FY2025 10-K Analysis
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
Fiserv FY2025 Key Financial MetricsXBRL
Revenue
$21.2B
▲ +3.6% YoY
Net Income
$3.5B
▲ +11.1% YoY
Operating Margin
27.5%
▼ -129bp YoY
Net Margin
16.4%
▲ +111bp YoY
ROE
13.5%
▲ +193bp YoY
Total Assets
$80.1B
▲ +3.8% YoY
EPS (Diluted)
$6.34
▲ +17.8% YoY
Operating Cash Flow
$6.1B
▼ -8.6% YoY
Source: XBRL data from Fiserv FY2025 10-K filing on SEC EDGAR. All figures in USD.
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