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Edge20 Feb 2026
Dollar General: The Rural Retailer Playbook
How Dollar General built a small-box empire across rural America, scaling value and convenience into one of retail's most durable business models.
Fidelity National Information Services
Fidelity National Information Services (FIS) investor relations material
Fidelity National Information Services Q4 2025 earnings summary
Complete event summary combining all related documents: earnings call transcript, report, and slide presentation.Q4 2025 earnings summary24 Feb, 2026
Executive summary
Achieved strong 2025 results, exceeding original outlook for adjusted revenue, EBITDA, and EPS, and positioning for robust 2026 growth.
Completed full divestiture of merchant-focused business and closed the acquisition of Total Issuing Solutions, transforming the strategic and financial profile.
Focused on innovation, AI, and data-driven solutions, leveraging proprietary datasets and deep client relationships.
Returned $2.1 billion to shareholders in 2025, including $1.3 billion in share repurchases, and increased annual dividend by 10%.
Demonstrated robust free cash flow and disciplined capital allocation.
Financial highlights
FY 2025 adjusted revenue grew 5.8% to $10.7B; Q4 adjusted revenue up 7.4% to $2.8B.
FY 2025 adjusted EBITDA was $4.3B (40.6% margin), up 4.7% year-over-year; Q4 adjusted EBITDA up 7% to $1.2B.
Adjusted EPS for FY 2025 was $5.75, up 10.2% year-over-year; Q4 adjusted EPS was $1.68, up 20%.
Free cash flow for FY 2025 reached $2.2B, up 18%-19% year-over-year, with 88% conversion.
Capital expenditures were $989M, representing 9.3% of revenue.
Outlook and guidance
FY 2026 adjusted revenue outlook: $13.77B–$13.85B, 5.1%-5.7% pro forma growth; adjusted EBITDA expected at $5.8B–$5.86B (42.1%-42.3% margin), up 7.2%-8.4%.
Adjusted EPS guidance of $6.22-$6.32, up 8%-10%.
Free cash flow projected at $2.05B–$2.15B, up 27%-33% year-over-year, targeting over $2B in 2026 and exceeding $3B by 2028.
Banking adjusted revenue projected to grow over 40% (including acquisitions), with organic growth of 4.4%-4.9%; Capital Markets revenue expected to grow 5.5%-6.5%.
Q1 2026 revenue guidance: $3.27B–$3.29B; adjusted EBITDA: $1.275B–$1.29B; adjusted EPS: $1.26–$1.30.
What drives the 2026 Adjusted vs. Pro Forma growth difference?
Deleveraging plan to reach 2.8x gross leverage
Total Issuing acquisition: specific synergies?
AI's risk to core systems vs. accelerant?
Impact of Capital Markets recurring revenue shift?
Bank M&A impact on 2026 outlook?
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Next Fidelity National Information Services earnings date
Q1 20265 May, 2026
Fidelity National Information Services
Next Fidelity National Information Services earnings date
Q1 20265 May, 2026
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Frequently asked questions
Fidelity National Information Services, Inc. and its subsidiaries provide technology solutions for merchants, banks, and capital markets firms worldwide. The company offers payment systems; credit and debit card products; loan and mortgage fulfillment software; insurance automation systems; and enterprise transaction processing services, as well as delivers appraisal management, auction notices, check clearing, delivery services, equipment finance, internet-based real-time communication products and services, home equity lending servicing solutions, mortgage servicing technology offerings that encompass master data management and reporting tools among others. Fidelity National Information Services is based in Jacksonville, Florida.
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