Fiserv (FISV) Q3 2025 10-Q Quarterly Report
Filed: Oct 30, 2025Period ending Sep 30, 2025
Information Technology
Services-Business Services, NECSEC EDGAR Fiserv (FISV) 10-Q quarterly report for Q3 2025, filed with SEC EDGAR on Oct 30, 2025 for the fiscal period ending Sep 30, 2025. This page provides AI-powered analysis including management discussion & analysis (MD&A), risk factor updates, and key quarterly financial data such as revenue and net income extracted from XBRL.
Fiserv Q3 2025 10-Q Analysis
Management Discussion & Analysis
- • Total revenue $5.26B for Q3 2025, up $48M (1%) YoY, Merchant segment up 5%, Financial segment down 3%
- • Operating margin 27.3% Q3 2025 vs 30.7% Q3 2024, down 340 bps; 9M margin 28.5% vs 27.7% YoY, up 80 bps
- • Merchant segment best performance: revenue +5%, operating income +3%, margin 37.2% vs 37.7%, Financial segment weakest: revenue -3%, operating income -13%, margin 42.5% vs 47.4% YoY
- • Operating cash flow $4.1B for 9M 2025, down 7% from $4.4B in 9M 2024; capital expenditures $1.32B, about 8% of revenue, share repurchases $5.4B YTD
- • Management launched "One Fiserv" transformation plan focused on client-first growth, AI-enabled operations, and disciplined capital allocation; cautious macroeconomic and currency headwinds noted
Risk Factors
- • Section 'risk_factors' was empty or not found.
Fiserv Q3 2025 Quarterly FinancialsXBRL
Revenue
$5.3B
▲ +0.9% YoY▼ -4.6% QoQ
Net Income
$792M
▲ +40.4% YoY▼ -22.8% QoQ
Operating Margin
27.3%
▼ -343bp YoY▼ -346bp QoQ
Net Margin
15.0%
▲ +423bp YoY▼ -355bp QoQ
ROE
3.2%
Total Assets
$79.4B
EPS (Diluted)
$1.47
▲ +50.0% YoY▼ -20.5% QoQ
Operating Cash Flow
$1.8B
▼ -19.3% YoY▲ +8.4% QoQ
Source: XBRL data from Fiserv Q3 2025 10-Q filing on SEC EDGAR. All figures in USD.
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