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Fiserv (FI) investor relations material

Fiserv Q2 2025 earnings summary

Complete event summary combining all related documents: earnings call transcript, report, and slide presentation.
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Q2 2025 earnings summary23 Jul, 2025

Executive summary

  • Q2 2025 delivered 8% organic and adjusted revenue growth, with adjusted EPS up 16% and GAAP EPS up 22% year-over-year.

  • Merchant Solutions led with 10% revenue growth, driven by Clover and international expansion; Financial Solutions grew 7%.

  • Returned $2.2B to shareholders via Q2 share repurchases, totaling $4.4B for 21.9M shares in H1 2025.

  • Strategic initiatives included new partnerships, acquisitions (AIB Merchant Services, CCV, Payfare), and the launch of FIUSD stablecoin.

  • Recognized by CNBC and TIME as a top fintech and influential company in 2025.

Financial highlights

  • Q2 2025 adjusted revenue: $5.2B (+8% YoY); GAAP revenue: $5.52B (+8% YoY); adjusted operating income: $2.1B (+12% YoY).

  • Adjusted EPS: $2.47 (+16% YoY); GAAP EPS: $1.86 (+22% YoY); YTD adjusted EPS: $4.61 (+15% YoY).

  • Free cash flow: $1.2B in Q2; $1.54B for six months; $5.3B trailing 12 months.

  • Adjusted operating margin: 39.6% in Q2 (up 120 bps YoY); GAAP operating margin: 30.7% (up 270 bps YoY).

  • Capital expenditures: $479M in Q2; $814M in H1 2025; $1.5B expected for full year.

Outlook and guidance

  • 2025 organic revenue growth guidance refined to approximately 10%, at the low end of the prior range.

  • Adjusted EPS guidance for 2025 set at $10.15–$10.30, representing 15–17% growth.

  • Adjusted operating margin expansion expected to be ~100 bps for 2025.

  • Free cash flow guidance maintained at ~$5.5B for 2025.

  • Reiterated $3.5B Clover revenue outlook for 2025.

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Frequently asked questions

Powering the Financial World

Fiserv, Inc., established in 1984, is a leading global provider of financial services technology. Its solutions enable thousands of financial institutions, businesses, and consumers to manage and move money easily and securely and they have become a vital cog in the global financial ecosystem. The company's product portfolio can be broadly categorized into payments, processing services, risk and compliance, customer and channel management, and insights and optimization.

Growth Through M&A

Fiserv's journey has been marked by a series of strategic acquisitions and product innovations, and its birth was in turn the result of two firms in 1984. The company went public just two years later, and the company has expanded its reach and services, adapting to the evolving needs of the financial industry.

It has brought together best-in-class technologies and expertise through a number of strategic acquisitions, including leading companies like First Data Corporation, CheckFree, and Open Solutions. These acquisitions have significantly broadened Fiserv's capabilities, enabling it to provide an all-encompassing suite of financial services technology solutions.

The Services

Fiserv offers a comprehensive suite of financial solutions that streamline operations and enhance security across various financial transactions. Their offerings include an array of services such as banking solutions, payment processing, risk and compliance management, and investment services, each designed to address the dynamic needs of today's financial landscape.

Their payment solutions handle billions of transactions annually, with everything from debit and credit card processing to electronic bill payments, mobile banking, and point-of-sale services. Meanwhile, their risk and compliance solutions assist businesses in mitigating financial risks, ensuring regulatory compliance, and preventing financial crimes. The banking and investment services provided by Fiserv are designed to optimize operational efficiency for financial institutions, saving money for the client and creating smoother customer experiences.

A Well Regarded Organization

Fiserv has a long history of excellence and recognition by the global financial services community. Oftentimes described as the quiet worker toiling away in the background to ensure that critical services run smoothly. The company has been listed as number one in FORTUNE Magazine's list of “World's most admired companies” numerous times. This is also highlighted by the fact that their customer includes names like JPMorgan, Wells Fargo, and Citi.

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