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FIFISV

Fiserv, Inc.

$FISV·$28B·Information Technology Services·Technology
$53.00+0.5%YTD-17.4%1Y-61.1%
Mentions · last 7 days
2026-08-28: 10 posts2026-08-29: 14 posts2026-08-30: 6 posts2026-08-31: 26 posts2026-09-01: 12 posts2026-09-02: 7 posts2026-09-03: 12 posts87
Price updated 10h ago·X counts updated 1d ago
FIFISV
$FISVFiserv, Inc.
$53.00+0.51%87 posts
AI analysisFundamentalsVoices on X
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AI verdict & sentimentAI analysisGenerated by AI from underlying data

Top X posts

Today's AI verdict on what's driving $FISV, plus how loud the X conversation is and which way it's leaning.

AI analysis

TickerTalks’ read on the fundamentals and what’s driving the move.

Broken storyStalledAI verdict · as of 2026-09-04

The move has stalled — likely just drifts unless something new shows up.

Fiserv down 61% over 12 months on Clover disappointment and a President's contractual exit — valuation is now the whole thesis.

Fiserv is a $28B payments and financial-tech processor with Q1 revenue $5.0B (-2% year-over-year) and margins that have compressed materially: op margin fell from 30.7% in Q2 2025 to 16.7% in Q1 2026.

  • Stock trades at 9x TTM earnings, 1.4x sales, and 14% free-cash-flow yield — deep-value territory driven by the collapse from the growth-story multiple
  • Dhivya Suryadevara resigned as President July 7 for good reason per her offer letter, which contractually implies material change to her role — a meaningful negative governance signal
  • Director Lance Fritz bought 10,000 shares Aug 7 at $51.95 ($519K) — a modest but real vote of confidence at a bombed-out level
  • Q2 (Aug 6) EPS $1.84 missed the $1.91 estimate; consensus $1.73 for Q3 (Oct 28) implies stabilization rather than reacceleration

At this multiple with the recurring cash generation intact, the risk-reward compresses even if execution stays middling — but the Suryadevara departure is a real overhang that keeps the multiple depressed until strategic clarity returns.

Agrees with X sentimentX chatter's undervaluation and asset-sale/activist angle is directionally right, but glosses over the Suryadevara departure that management still hasn't backfilled.

What to watch: Q3 print (Oct 28), new President announcement, and any activist involvement given the depressed multiple.

On the calendar: 2026-10-28 Q3 earnings

X sentiment

What the X crowd is saying right now — descriptive, summarised from the day’s posts.

Bearish sentiment8 posts analyzed · as of 2026-09-04

$FISV (Fiserv) chatter is mixed but leaning bearish. Bulls: Investing.com lists Fiserv as most undervalued stock. Bears: 'FISV stock is absolutely an orphan.' DVLT Q3 tracker shows 'no FISV production launch, no confirmation.' Some tax loss harvesting selling FISV and replacing with FIS. Chart 'whatif iH&S in battered name.' Bear tone dominates.

Read the AI verdict + X sentiment for $FISV

  • One-line verdict on what's driving the move — fundamentals, momentum, both, or an event
  • Next dated catalyst when there is one (earnings, deal closing, activist clock)
  • X crowd read with bullish/bearish call + post volume
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What it does

Plain-English summary of the business — what they sell and how they make money.

Payments and banking technology provider powering merchant acquiring, digital banking, and core processing worldwide.

Industry overviewAI analysisGenerated by AI from underlying data

Where Information Technology Services sits in its cycle right now — and what that implies for $FISV.

Information Technology Services · Technology

SaaS multiples remain compressed as rate-sensitive valuations weigh on pure-play software; customers are lengthening deal cycles outside of AI-native workloads. AI co-pilot upsell is the only clear near-term catalyst — companies without it are treading water.

What this means for $FISV

Partial — net interest margin and credit quality are the primary earnings drivers; Fiserv, Inc.

Top industry ETF

$IGViShares Expanded Tech-Software Sector ETF
-4.2%YTD
-2.1%1Y

Fundamentals & catalyst

Profitability, valuation, and the next earnings event — at a glance, with rule-of-thumb signals.

Key ratios

P/E
9.1How much investors are paying per dollar of profit the company actually earned in the last 12 months. Lower means the stock looks cheaper relative to earnings.~15–25 is typical for the S&P 500; high-growth names trade 30+; hyper-growth or speculative can be 100+ or negative.
ROIC
7.3%What percentage return the business earns on every dollar of capital (equity + debt) deployed in operations. The cleanest measure of business quality.Above ~15% is high-quality; consistently above 25% suggests a real moat. Below the company's cost of capital is value-destroying.
Op margin
24.4%Operating profit (after sales, marketing, R&D, and overhead but before interest and taxes) as a percentage of revenue. The clearest view of how well the underlying business is run.Mature business above 20% is healthy; software businesses can run 30%+; commodity / retail businesses operate in single digits.
FCF yield
14.3%Free cash flow (operating cash flow minus capex) divided by the company's market cap. The cash-on-cash return you'd get owning the whole business at today's price.Above ~5% is attractive; below ~2% means you're paying up for growth. Capital-light businesses (software) run higher than capital-heavy ones (utilities).
P/S
1.4Same idea as P/E but per dollar of revenue. Useful for companies that aren't profitable yet, where P/E is meaningless.Under ~2 is cheap; software / SaaS often runs 8–15; well above 20 implies the market is pricing in very high future growth.
ROE
12.5%Net income as a percentage of shareholders' equity. Similar to ROIC but counts only the equity side.Above 20% is strong, but can be inflated by leverage — a heavily indebted company can show high ROE with weak underlying ROIC.
Gross margin
58.1%Revenue minus the direct cost of producing what was sold, as a percentage of revenue. The first read on whether the product is structurally profitable.Software / SaaS is typically 70%+; consumer goods 30–50%; commodity / hardware businesses can be under 20%.
D/E
1.1Total debt divided by shareholders' equity. Measures how much the business runs on borrowed money versus owner capital.Under 1 is conservative; 1–2 is typical for mature businesses; over 2 is leveraged and more sensitive to interest rates.

Past earnings

QuarterReportedActualEstimateSurprise
Q2 2026Aug 6, 2026$1.84$1.91-3.7%
Q1 2026May 5, 2026$1.79$1.57+14.0%
Q4 2025Feb 10, 2026$1.99$1.90+4.7%
Q3 2025Oct 29, 2025$2.04$2.64-22.7%
Next earningsWed, Oct 28·consensus EPS $1.74

Quarterly trend

QuarterRevenueYoYGrossOpEPSFCF
Q1 FY26$5.0B-2.0%54.2%16.7%$1.07$145.0M
Q4 FY25$5.3B+0.6%57.1%22.2%$1.51$1.5B
Q3 FY25$5.3B+0.9%58.9%27.3%$1.47$1.3B
Q2 FY25$5.5B+8.0%61.8%30.7%$1.86$1.2B

Forward consensus

5-year forecast · up to 21 analysts
FYRevenueRangeEPSRangeAnalysts
FY26$20.0B$19.9B – $20.2B$8.11$8.01 – $8.2221
FY27$20.8B$20.6B – $21.2B$8.92$8.76 – $9.1721
FY28$21.6B$21.6B – $21.6B$10.08$8.92 – $11.4115
FY29$22.7B$22.2B – $22.9B$12.08$11.75 – $12.2811
FY30$23.6B$23.1B – $23.9B$15.36$14.94 – $15.617

Setup & momentum

Volume, range, and moving-average position — the technical setup driving short-term moves.

Right now

Vol vs 30dToday's traded share volume divided by the average over the prior 30 trading days. ≥3× signals unusual interest; below 1× is quiet.0.9×Today's traded share volume divided by the average over the prior 30 trading days. ≥3× signals unusual interest; below 1× is quiet.
52w rangeWhere the latest close sits between the 52-week low (0%) and high (100%). Above 80% is extended; below 30% is basing or in a downtrend.7%Where the latest close sits between the 52-week low (0%) and high (100%). Above 80% is extended; below 30% is basing or in a downtrend.
vs 50d MALatest close vs the 50-day simple moving average. Positive = short-term trend is up.+1.6%Latest close vs the 50-day simple moving average. Positive = short-term trend is up.
vs 200d MALatest close vs the 200-day simple moving average. Positive = long-term trend is up.-9.1%Latest close vs the 200-day simple moving average. Positive = long-term trend is up.

Float & profile

FloatHigh float · 531.0M shFree-float shares — the slice of issued stock actually available to trade. Lower buckets squeeze harder on a catalyst.Traded today1.2% of floatToday's volume as a percent of the free float. Above 5% on a single day is unusually high turnover for the available share count.β0.805-year weekly beta vs the S&P 500. Above 1.5 means the stock typically moves more than the index; below 0.8 moves less.FilingActive offeringA shelf registration (S-3 / S-3ASR / S-1) or prospectus supplement (424B*) was filed in the last 90 days — the company is registered to (or actively) issuing new shares. Dilution risk.

Insider activity

Recent open-market buys and sells by officers and directors — flagged when multiple insiders cluster.

Recent transactions

BuyAug 7Lance M FritzDirector10.0K sh$520KBuyJun 17Paul M ToddCFO10.1K sh$500KBuyJun 17Wafaa MamilliDirector3.0K sh$150KBuyJun 16Adam L. RosmanChief Admin. and Legal Officer10.2K sh$501KBuyJun 16Harry DisimoneDirector2.1K sh$101KBuyJun 16Charlotte YarkoniDirector2.0K sh$100KBuyJun 16Gordon M. NixonDirector7.5K sh$372K
+ 33 other (33 awards) in window

See when $FISV insiders are putting their own money in

  • Real-time open-market buys and sells from Form 4 filings
  • Cluster-buy detection when multiple insiders pile in at once
  • 30 / 60 / 180-day windows so you can spot building conviction
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SEC filings

Material 8-K, 13D, S-3, and 424B5 events from the last 180 days — the filings that actually move the price.

Recent material filings

8-KOfficer or director changeJul 78-K — Item 5.02: Officer or director change · Item 7.01: Press release / Reg FD
AI summary

Dhivya Suryadevara, President of Fiserv, Inc. (FISV), resigned for 'good reason' under her August 28, 2025 offer letter, effective July 7, 2026, triggering severance per the company's Executive Severance and Change of Control Policy. She will remain a non-executive employee on her current base salary through a transition period. No replacement president is named in the filing excerpt. A president-level 'good reason' departure (which implies a disagreement or contractual trigger) is notable at a major financial technology company; severance terms will follow the disclosed policy.

8-KMaterial agreementJun 238-K — Item 1.01: Material agreement · Item 2.03: Material debt obligation · Item 8.01: Other event
AI summary

Wisconsin 1-38962 39-1506125 entered into a material note purchase/issuance agreement on 2026-06-23, expected closing June 23, 2026. Narrative: e NASDAQ Stock Market LLC 1.625% Senior Notes due 2030 FISV30 The NASDAQ Stock Market LLC 3.000% Senior Notes due 2031 FISV31 The NASDAQ Stock Market LLC 4.500% Senior Notes due 2031 FISV31A The NASDAQ Stock Market LLC 2.875% Senior Notes due 2028 FISV28C The NASDAQ Stock Market LLC 3.500% Senior No... Wisconsin 1-38962 39-1506125 disclosed: e NASDAQ Stock Market LLC 1.625% Senior Notes due 2030 FISV30 The NASDAQ Stock Market LLC 3.000% Senior Notes due 2031 FISV31 The NASDAQ Stock Market LLC 4.500% Senior Notes due 2031 FISV31A The NASDAQ Stock Market LLC 2.875% Senior Notes due 2028 FISV28C The NASDAQ Stock Market LLC 3.500% Senior Notes due 2032 FISV32 The NASDAQ Stock Market LLC 4.000% Senior Notes due 2036 FISV36 The NASDAQ Stock Market LLC Indicate by check mark whether the registrant is an emerging growth company as defined i.

8-KMaterial agreementJun 178-K — Item 1.01: Material agreement
AI summary

Fiserv, Inc. (NYSE: FI) entered a material definitive agreement (Item 1.01) on June 16, 2026. Given the simultaneous 424B5 filing for $1 billion in new senior notes, Item 1.01 likely covers the indenture and supplemental agreements governing that debt offering. The XBRL header references multiple existing Fiserv note series across maturities 2027–2036. This is documentation of a significant financing event — non-dilutive to equity but material as a billion-dollar debt issuance.

424B5Prospectus supplement (offering)Jun 17424B5
AI summary

Fiserv, Inc. issued $1.0 billion in senior notes in a dual-tranche offering filed June 17, 2026 under Registration No. 333-277241: $500 million of 3.750% Senior Notes due October 15, 2030 and $500 million of 4.250% Senior Notes due June 23, 2034. Interest on the 2030 tranche is paid annually starting October 15, 2026; the 2034 tranche starting June 23, 2027. Notes are callable at any time and include a change-of-control put; proceeds target refinancing of commercial paper and/or existing debt. This is a significant non-dilutive debt issuance — accretive if refinancing higher-cost debt, with modest incremental leverage if net-new.

8-KPress release / Reg FDJun 168-K — Item 7.01: Press release / Reg FD
AI summary

Fiserv, Inc. (FISV) disclosed via Reg FD on June 16, 2026 the launch of a tender offer to purchase for cash any and all of its outstanding 5.150% Senior Notes due 2027 ($750M aggregate) and 4.400% Senior Notes due 2049 ($2.0B aggregate). Consummation is conditioned on receipt of proceeds from a concurrent new euro-denominated senior notes offering. A press release was furnished as Exhibit 99.1. This $2.75B aggregate liability-management transaction refinances legacy high-coupon dollar debt with new euro-denominated paper, material to Fiserv's cost of capital.

424B5Prospectus supplement (offering)Jun 16424B5
AI summary

Fiserv, Inc. (FISV) filed a preliminary 424B5 prospectus supplement on June 16, 2026 for two tranches of euro-denominated senior notes (specific principal amounts and coupons not yet fixed in the preliminary). Net proceeds, together with commercial paper and cash from operations, are intended to fund the concurrent tender offer to retire up to $750M of 5.150% Senior Notes due 2027 and up to $2.0B of 4.400% Senior Notes due 2049. Notes will be issued in EUR minimum denominations of 100,000; Fiserv intends to list them on Nasdaq. Currency-diversified refinancing of legacy high-coupon dollar debt — accretive to interest expense if executed at lower all-in rates.

8-KOfficer or director changeJun 158-K — Item 5.02: Officer or director change · Item 7.01: Press release / Reg FD
AI summary

Fiserv, Inc. (FISV) filed an 8-K on June 15, 2026 covering officer/director changes (Item 5.02) and a Reg FD disclosure (Item 7.01) with an accompanying presentation or press release. Body unavailable — excerpt cuts off before the specific personnel change and Reg FD content are disclosed.

8-KShareholder voteMay 228-K — Item 5.07: Shareholder vote
AI summary

FISV (FISV) disclosed the results of its annual meeting of shareholders in an 8-K filing under Item 5.07. Shareholders voted on an advisory say-on-pay resolution. All management-sponsored proposals were approved by majority shareholder vote. Annual meeting results are a routine disclosure that confirms shareholder ratification of the board's composition and compensation practices.

+ 16 other (4 proxys · 2 10-Qs · 2 earnings 8-Ks · 2 13Gs) in window

Recent news

Latest headlines from major outlets, sourced and timestamped — context for whatever just moved.

Fiserv Small Business Index Shows YoY Sales Growth in August as Consumers Continue to Spend More on Fewer Visitsglobenewswire.com·2d agoFiserv to Present at Upcoming Investor Conferenceglobenewswire.com·9d agoBank of Nova Scotia Makes New $3.33 Million Investment in Fiserv, Inc. $FISVdefenseworld.net·10d agoFiserv: Potential Asset Sales, Activists, And Clover Outweigh Misstepsseekingalpha.com·11d agoFiserv: The Market Priced In A Permanent Declineseekingalpha.com·11d ago

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