Short answer
Fiserv (FISV) filed its Q3 2025 10-Q quarterly report on Oct 30, 2025 for the quarter ended Sep 30, 2025. Quarterly revenue was $5.3B (up 0.9% year over year) with net income of $792M.
Q3 2025 key financials · XBRL
- Revenue
- $5.3B
- +0.9% YoY · −4.6% QoQ
- Net income
- $792M
- +40.4% YoY · −22.8% QoQ
- Operating margin
- 27.3%
- EPS (diluted)
- $1.47
- +50.0% YoY · −20.5% QoQ
Source: XBRL data from the Fiserv (FISV) Q3 2025 10-Q on SEC EDGAR. USD.
Fiserv Q3 2025 10-Q analysis
AI summary of MD&A and risk factor updates
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.
Generated from the filing text; verify against the original. 10-K vs 10-Q vs 8-K
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