TickerTalks
Browse all tickers →
TickerTalks›$FISV
FIFISV

Fiserv, Inc.

$FISV·$25B·Information Technology Services·Technology
$47.69+0.3%YTD-31.8%1Y-61.6%
Price updated 15h ago·X counts updated 9d ago
FIFISV
$FISVFiserv, Inc.
$47.69+0.29%127 posts1.1×
AI analysisFundamentalsVoices on X
Loading…

On X

Top X posts

The complete picture of $FISV on X — how loud the conversation is right now, how it has trended over the last two weeks, and which way the crowd is leaning.

127X posts · last 7 days
Oct 2Oct 11
Chatter Meter
1.1×
QuietNormal · 1×Loud

How loud $FISV's conversation on X is versus its own normal — 1× is typical, higher means busier. Right now it's about its usual level, louder than 82% of tracked names.

Neutral sentimentAI analysisGenerated by AI from underlying data5 posts analyzed · as of 2026-09-10

Fiserv chatter is thin — traders note 23x normal call flow one day, a small cost-basis-adding post on SSI-1M extreme lows, and $FISV/$TOST holding up better than $FOUR on a peer down day. Neither directional; not enough tone to call.

Read what X is saying about $FISV

  • Bullish vs bearish call — with the AI summary of the day's posts
  • Divergence flag when the top-engagement posts argue the other side
  • How loud the conversation is versus this ticker's own normal
Free, forever. No credit card.

AI verdictAI analysisGenerated by AI from underlying data

TickerTalks' own read on what's driving $FISV — fundamentals, momentum, or an event — and whether it agrees with the X crowd.

Proven numbersSelling offAI verdict · as of 2026-10-02

Falling on heavy selling — points lower unless it turns around.

Fiserv at 0.7% of 52-week range — payments-processing giant now a stablecoin partner, 9x P/E, no bounce yet.

Fiserv is a global payments-and-fintech technology provider — Clover POS, First Data merchant processing, bank-core processing. The stock is at the literal 0.7% of its 52-week range after a 64% TTM collapse, trading at 9.1x trailing earnings.

  • The P&L is softening: revenue fell 2% YoY to $5.03B last quarter at a 24% operating margin and EPS $1.07 — the operating margin profile is still high, but the top-line decline is the signal the market is pricing.
  • The Fiserv Digital Asset Platform going live with Bank of North Dakota and other financial institution stablecoin issuance is a specific real catalyst — moving from payments-processing to also-stablecoin-infrastructure is a credible narrative extension if deals scale.
  • At 9.1x trailing earnings and 1.4x sales for a 24% operating-margin fintech, Fiserv is cheap on both axes — the market is pricing a secular-growth challenge from newer digital payment rails that bulls think is overpriced.

Breaking-down holds unless Oct 28 earnings re-accelerate Acceptance (merchant) revenue growth above 5% YoY and management reiterates FY27 EPS guide. Another revenue decline, or any specific commentary that stablecoin adoption is slower than modeled, is what seals the de-rating; a signed major bank stablecoin partnership plus a FY27 adjusted EPS guide-up is what breaks the tape higher.

What to watch: Oct 28 earnings — Acceptance revenue growth above 5% YoY, Digital Asset Platform traction, operating margin trajectory, and FY27 EPS guide. Another revenue decline or no stablecoin-partnership traction is what seals the breaking-down.

On the calendar: 2026-10-28 — Q3 FY26 earnings

Read the AI verdict on $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)
  • Whether TickerTalks' read agrees with or diverges from the X crowd
Free, forever. No credit card.

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

No material change from last week — AI infrastructure build-out continues to split the sector: GPU-compute/data-center operators (IREN, KEEL, APLD, SHAZ) accelerate on AI workload demand and power-deal momentum, while legacy IT outsourc.

What this means for $FISV

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

Top industry ETF

$IGViShares Expanded Tech-Software Sector ETF
+4.2%YTD
-6.9%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 earningsTue, Nov 3·consensus EPS $1.72

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 22 analysts
FYRevenueRangeEPSRangeAnalysts
FY26$19.5B$19.4B – $19.7B$7.24$7.18 – $7.3422
FY27$20.2B$19.7B – $20.5B$7.92$7.54 – $8.4522
FY28$20.9B$20.6B – $21.3B$8.90$7.88 – $10.0815
FY29$21.8B$21.4B – $22.6B$10.70$10.44 – $11.2110
FY30$22.4B$22.0B – $23.2B$13.19$12.87 – $13.827

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.0.5×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.4%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.-3.3%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.-14.2%Latest close vs the 200-day simple moving average. Positive = long-term trend is up.

Float & profile

FloatHigh float · 529.4M shFree-float shares — the slice of issued stock actually available to trade. Lower buckets squeeze harder on a catalyst.Traded today0.6% 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.

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 16Charlotte YarkoniDirector2.0K sh$100KBuyJun 16Adam L. RosmanChief Admin. and Legal Officer10.2K sh$501KBuyJun 16Harry DisimoneDirector2.1K sh$101KBuyJun 16Gordon M. NixonDirector7.5K sh$372K
+ 34 other (33 awards · 1 inkind) 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
Free, forever. No credit card.

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

3New insider — initial holdingsOct 13
AI summary

ERIC CHRISTIAN NELSON filed a initial Form 3 beneficial ownership statement for FISERV INC (FISV) on 2026-10-01, reporting their status as a EVP and Chief Legal Officer. This is an administrative Section 16 disclosure required when a new insider (director, officer, or 10% holder) first reports their holdings; it signals a change in the company's executive or governance structure rather than a market transaction.

8-KOfficer or director changeSep 228-K — Item 5.02: Officer or director change
AI summary

Fiserv, Inc. (FISV) disclosed that Chief Administrative Officer and Chief Legal Officer Adam L. Rosman resigned effective September 30, 2026; current General Counsel and Secretary Eric C. Nelson will succeed him as Chief Legal Officer on October 1, 2026. This is a routine executive transition with an internal successor already in place, representing minimal business disruption.

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.

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

Recent news

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

Fiserv Simplifies Cross-Border Commerce with Commerce Hub™globenewswire.com·1d agoFiserv, Inc. $FISV Stock: Birch Hill Investment Advisors LLC Decreases Stakedefenseworld.net·2d agoFiserv, Inc. $FISV Shares Newly Acquired by First Citizens Bank & Trust Co.defenseworld.net·3d agoFiserv Surpasses 5 Million Clover Devices Shipped Worldwideglobenewswire.com·6d agoFiserv, Inc. $FISV Stock Bought by Woodstock Corpdefenseworld.net·7d ago

More in Information Technology Services

Peers in the same group — one click to compare setups, fundamentals, and chatter.

$APLD$CIFR$HIVE$BR$KEEL$IBM$ACN$BBAI
Voices on X · top 3 · last 7 days

TickerTalks is a research tool, not financial advice. We surface social-attention data; we do not make stock recommendations. Past attention is not predictive of future price movements.

PrivacyTermsSupport