Fiserv, Inc. (FISV) Income Statement Analysis

See more : Star Equity Holdings, Inc. (STRR) Income Statement Analysis – Financial Results

Complete financial analysis of Fiserv, Inc. (FISV) income statement, including revenue, profit margins, EPS and key performance metrics. Get detailed insights into the financial performance of Fiserv, Inc., a leading company in the Information Technology Services industry within the Technology sector.

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Fiserv, Inc. (FISV)

Industry: Information Technology Services

Sector: Technology

Website: https://www.fiserv.com

About Fiserv, Inc.

Fiserv, Inc., together with its subsidiaries, provides payment and financial services technology worldwide. The company operates through Acceptance, Fintech, and Payments segments. The Acceptance segment provides point-of-sale merchant acquiring and digital commerce services; mobile payment services; security and fraud protection products; Carat, an omnichannel commerce solution; Clover, a cloud-based point-of-sale and business management platform; and Clover Connect, an independent software vendors platform. This segment distributes through various channels, including direct sales teams, strategic partnerships with agent sales forces, independent software vendors, financial institutions, and other strategic partners. The Fintech segment offers customer deposit and loan accounts, as well as manages an institution's general ledger and central information files. This segment also provides digital banking, financial and risk management, professional services and consulting, item processing and source capture, and other products and services. The Payments segment offers card transactions, such as debit, credit, and prepaid card processing and services; security and fraud protection products; card production; print services; and various network services, as well as non-card digital payment software and services, including bill payment, account-to-account transfers, person-to-person payments, electronic billing, and security and fraud protection products. It serves business, banks, credit unions, other financial institutions, merchants, and corporate clients. The company was incorporated in 1984 and is headquartered in Brookfield, Wisconsin.

Metric	2023	2022	2021	2020	2019	2018	2017	2016	2015	2014	2013	2012	2011	2010	2009	2008	2007	2006	2005	2004	2003	2002	2001	2000	1999	1998	1997	1996	1995	1994	1993	1992	1991	1990	1989	1988	1987	1986	1985
Revenue	19.09B	17.74B	16.23B	14.85B	10.19B	5.82B	5.70B	5.51B	5.25B	5.07B	4.81B	4.48B	4.34B	4.13B	4.08B	4.74B	3.92B	4.54B	4.06B	3.73B	3.03B	2.57B	1.89B	1.65B	1.41B	1.23B	974.40M	798.30M	703.40M	563.60M	454.70M	332.10M	281.30M	183.20M	164.00M	125.00M	85.50M	70.40M	32.90M
Cost of Revenue	7.67B	7.99B	8.13B	7.81B	5.31B	3.07B	3.02B	2.96B	2.91B	2.88B	2.78B	2.60B	2.54B	2.39B	2.38B	3.02B	2.64B	3.21B	2.80B	1.18B	1.26B	603.17M	503.93M	397.66M	357.73M	378.30M	290.60M	236.10M	394.30M	0.00	159.70M	110.70M	100.20M	58.00M	51.50M	60.30M	25.70M	30.80M	13.40M
Gross Profit	11.42B	9.75B	8.10B	7.04B	4.88B	2.75B	2.67B	2.55B	2.35B	2.19B	2.04B	1.89B	1.80B	1.75B	1.70B	1.72B	1.29B	1.33B	1.26B	2.54B	1.77B	1.97B	1.39B	1.26B	1.05B	855.40M	683.80M	562.20M	309.10M	563.60M	295.00M	221.40M	181.10M	125.20M	112.50M	64.70M	59.80M	39.60M	19.50M
Gross Profit Ratio	59.83%	54.94%	49.91%	47.40%	47.88%	47.30%	46.91%	46.25%	44.63%	43.13%	42.33%	42.06%	41.39%	42.27%	41.62%	36.36%	32.76%	29.35%	31.08%	68.23%	58.39%	76.52%	73.34%	75.95%	74.59%	69.34%	70.18%	70.42%	43.94%	100.00%	64.88%	66.67%	64.38%	68.34%	68.60%	51.76%	69.94%	56.25%	59.27%
Research & Development	0.00	0.00	0.00	0.00	0.00	0.00	0.00	106.00M	92.00M	82.00M	102.00M	73.00M	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00
General & Administrative	0.00	0.00	0.00	0.00	0.00	155.58M	163.70M	228.80M	270.68M	267.38M	224.80M	187.03M	159.60M	134.45M	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00
Selling & Marketing	0.00	0.00	0.00	0.00	0.00	1.07B	986.30M	872.20M	763.32M	707.62M	752.20M	641.97M	639.40M	605.55M	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00
SG&A	6.58B	6.06B	5.81B	5.65B	3.28B	1.23B	1.15B	1.10B	1.03B	975.00M	977.00M	829.00M	799.00M	740.00M	751.00M	833.00M	555.00M	589.35M	516.13M	1.70B	1.07B	1.38B	921.78M	792.80M	677.23M	573.20M	454.90M	371.50M	330.80M	463.10M	217.80M	166.30M	135.30M	90.50M	81.50M	40.00M	39.80M	23.40M	10.60M
Other Expenses	-167.00M	-94.00M	71.00M	28.00M	-6.00M	9.00M	122.10M	114.22M	108.96M	90.04M	78.04M	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00
Operating Expenses	6.41B	6.06B	5.81B	5.65B	3.28B	1.23B	1.15B	1.10B	1.03B	975.00M	977.00M	829.00M	799.00M	740.00M	751.00M	3.85B	555.00M	589.35M	516.13M	1.89B	1.24B	1.52B	1.03B	941.64M	796.73M	645.70M	518.10M	438.50M	395.20M	503.90M	248.40M	189.00M	155.80M	105.10M	96.10M	53.90M	51.00M	33.80M	13.30M
Cost & Expenses	14.08B	14.05B	13.94B	13.46B	8.59B	4.30B	4.17B	4.06B	3.94B	3.86B	3.75B	3.43B	3.34B	3.13B	3.13B	3.85B	3.19B	3.80B	3.31B	3.07B	2.50B	2.13B	1.54B	1.34B	1.15B	1.02B	808.70M	674.60M	789.50M	503.90M	408.10M	299.70M	256.00M	163.10M	147.60M	114.20M	76.70M	64.60M	26.70M
Interest Income	28.00M	13.00M	3.00M	7.00M	34.00M	0.00	2.00M	0.00	0.00	1.00M	1.00M	7.00M	6.00M	10.00M	8.00M	13.00M	7.00M	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00
Interest Expense	1.00B	733.00M	693.00M	709.00M	473.00M	189.00M	176.00M	170.00M	169.00M	163.00M	163.00M	167.00M	182.00M	198.00M	212.00M	260.00M	76.00M	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00
Depreciation & Amortization	2.93B	3.00B	3.05B	3.09B	1.55B	556.00M	433.00M	411.00M	417.00M	404.00M	403.00M	354.00M	349.00M	339.00M	333.00M	204.00M	193.00M	199.11M	179.18M	185.36M	171.79M	141.11M	147.70M	148.84M	119.51M	72.50M	63.20M	67.00M	64.40M	40.80M	30.60M	22.70M	20.50M	14.60M	14.60M	13.90M	11.20M	10.40M	2.70M
EBITDA	7.81B	6.64B	5.39B	4.96B	3.13B	2.30B	1.96B	1.86B	1.73B	1.61B	1.46B	1.39B	1.24B	1.30B	1.25B	1.25B	930.00M	943.39M	1.02B	844.92M	703.76M	568.69M	506.80M	463.15M	372.59M	282.20M	228.90M	190.70M	-21.70M	100.50M	77.20M	55.10M	45.80M	34.70M	31.00M	24.70M	20.00M	16.20M	8.90M
EBITDA Ratio	40.92%	38.12%	34.24%	31.15%	31.33%	35.91%	34.36%	33.71%	32.89%	31.86%	30.41%	31.46%	31.01%	32.81%	31.37%	23.09%	23.53%	20.76%	20.64%	22.65%	23.20%	22.65%	26.24%	27.54%	26.47%	22.87%	23.49%	23.89%	-3.99%	16.13%	15.39%	14.54%	14.04%	17.09%	16.22%	16.32%	19.18%	17.90%	40.43%
Operating Income	4.85B	3.74B	2.29B	1.42B	1.61B	1.75B	1.53B	1.45B	1.31B	1.21B	1.06B	1.06B	996.00M	1.01B	946.00M	890.00M	730.00M	744.28M	745.40M	659.56M	531.97M	443.04M	353.70M	314.31M	253.09M	209.70M	165.70M	123.70M	-86.10M	59.70M	46.60M	32.40M	25.30M	20.10M	16.40M	10.80M	8.80M	5.80M	6.20M
Operating Income Ratio	25.41%	21.09%	14.10%	9.53%	15.79%	30.10%	26.90%	26.25%	24.95%	23.88%	22.04%	23.56%	22.97%	24.36%	23.20%	18.78%	18.61%	16.38%	18.36%	17.68%	17.54%	17.25%	18.71%	19.01%	17.98%	17.00%	17.01%	15.50%	-12.24%	10.59%	10.25%	9.76%	8.99%	10.97%	10.00%	8.64%	10.29%	8.24%	18.84%
Total Other Income/Expenses	-953.00M	-827.00M	-622.00M	-681.00M	-526.00M	-198.00M	-174.00M	-170.00M	-254.00M	-163.00M	-163.00M	-167.00M	-267.00M	-214.00M	-212.00M	-271.00M	-69.00M	-41.00M	72.56M	-18.19M	-15.56M	1.99M	-12.07M	-14.27M	-19.41M	-16.00M	-11.80M	-19.10M	-12.50M	3.10M	3.40M	4.70M	3.30M	1.40M	2.10M	4.30M	3.70M	2.30M	-5.70M
Income Before Tax	3.90B	2.91B	1.67B	1.17B	1.08B	1.56B	1.36B	1.28B	1.06B	1.05B	898.00M	889.00M	729.00M	793.00M	734.00M	619.00M	661.00M	710.29M	817.95M	641.37M	516.41M	436.29M	347.03M	300.04M	233.68M	193.70M	153.90M	104.60M	-98.60M	62.80M	50.00M	37.10M	28.60M	21.50M	18.50M	15.10M	12.50M	8.10M	500.00K
Income Before Tax Ratio	20.42%	16.42%	10.27%	7.88%	10.63%	26.70%	23.84%	23.16%	20.12%	20.67%	18.65%	19.83%	16.81%	19.19%	18.00%	13.06%	16.85%	15.63%	20.15%	17.20%	17.02%	16.98%	18.36%	18.14%	16.60%	15.70%	15.79%	13.10%	-14.02%	11.14%	11.00%	11.17%	10.17%	11.74%	11.28%	12.08%	14.62%	11.51%	1.52%
Income Tax Expense	754.00M	551.00M	363.00M	196.00M	198.00M	378.00M	158.00M	492.00M	377.00M	384.00M	328.00M	303.00M	256.00M	301.00M	273.00M	279.00M	253.00M	267.06M	306.59M	246.47M	201.40M	170.15M	138.81M	123.01M	95.81M	79.40M	63.10M	42.90M	-38.70M	25.10M	19.30M	14.10M	10.30M	7.70M	7.10M	5.90M	5.30M	3.30M	200.00K
Net Income	3.07B	2.53B	1.33B	958.00M	893.00M	1.19B	1.25B	930.00M	712.00M	754.00M	648.00M	611.00M	472.00M	496.00M	476.00M	569.00M	439.00M	449.91M	516.44M	377.64M	315.01M	266.14M	208.22M	177.02M	137.87M	114.30M	90.80M	61.70M	-59.90M	37.70M	30.70M	23.00M	18.30M	13.80M	11.40M	9.20M	7.20M	4.80M	300.00K
Net Income Ratio	16.07%	14.26%	8.22%	6.45%	8.77%	20.38%	21.88%	16.89%	13.55%	14.88%	13.46%	13.63%	10.88%	12.00%	11.68%	12.01%	11.19%	9.90%	12.72%	10.13%	10.38%	10.36%	11.01%	10.71%	9.79%	9.26%	9.32%	7.73%	-8.52%	6.69%	6.75%	6.93%	6.51%	7.53%	6.95%	7.36%	8.42%	6.82%	0.91%
EPS	5.02	3.94	2.01	1.43	1.74	2.93	3.00	2.16	1.58	1.57	1.26	1.15	0.84	0.83	0.78	0.87	0.66	0.64	0.69	0.49	0.41	0.35	0.28	0.24	0.19	0.16	0.13	0.12	-0.10	0.07	0.07	0.05	0.04	0.04	0.03	0.03	0.02	0.02	0.00
EPS Diluted	4.98	3.90	1.99	1.40	1.71	2.87	2.89	2.08	1.50	1.49	1.26	1.11	0.82	0.82	0.77	0.87	0.65	0.64	0.68	0.48	0.40	0.34	0.27	0.23	0.18	0.15	0.13	0.11	-0.10	0.07	0.07	0.05	0.04	0.04	0.03	0.03	0.02	0.02	0.00
Weighted Avg Shares Out	611.70M	642.30M	662.60M	672.10M	512.30M	405.50M	415.20M	431.00M	450.60M	480.60M	513.40M	533.60M	560.40M	601.60M	619.20M	652.40M	666.40M	700.00M	755.20M	779.92M	773.04M	765.86M	750.33M	739.15M	738.86M	737.24M	702.12M	692.70M	594.11M	538.03M	428.16M	459.77M	438.98M	394.09M	379.81M	367.82M	359.82M	287.86M	265.06M
Weighted Avg Shares Out (Dil)	615.90M	647.90M	671.60M	683.40M	522.60M	413.70M	431.20M	447.80M	476.00M	505.40M	513.40M	550.00M	576.80M	606.80M	621.60M	652.40M	675.20M	710.00M	764.00M	789.15M	782.64M	777.04M	764.10M	759.22M	760.07M	762.92M	722.63M	702.88M	594.11M	538.03M	428.16M	459.77M	438.98M	394.09M	379.81M	367.82M	359.82M	287.86M	265.06M

Fiserv's 2024 Outlook: Growth Rates, Debt, And Strategic Vision

December 10, 2023seekingalpha.com

Fiserv's Q3 showcases robust 12% organic revenue growth and notable margin expansion. A discussion of its 2024 outlook. Challenges arise as Fiserv grapples with macroeconomic uncertainties and significant debt on its balance sheet. For now, I'm still bullish, but the...

Fiserv Announces Plan for Executive Leadership Changes

December 6, 2023businesswire.com

BROOKFIELD, Wis.--(BUSINESS WIRE)--Fiserv announces executive leadership changes that will take effect in 2024.

Fiserv: Executing Well As Clover Accelerates.

November 27, 2023seekingalpha.com

Fiserv reported strong Q3 earnings, leading to a 4% increase in stock price. The company showed impressive revenue growth and margin expansion. Fiserv also displayed continued capital allocation discipline.

10 ‘better values' in the stock market, selected for the next two years

November 16, 2023marketwatch.com

Since market valuations are always changing, along with outlooks for corporate revenue and earnings, any list of favored stocks is only a snapshot. Repeating the same analysis in the near term might lead to an entirely different list of compelling...

Fiserv Provides Preliminary 2024 Outlook and Expectations for Medium Term Outlook at its Investor Conference

November 15, 2023businesswire.com

BROOKFIELD, Wis.--(BUSINESS WIRE)--Fiserv Provides Preliminary 2024 Outlook and Expectations for Medium Term Outlook at its Investor Conference.

Fiserv: Collaboration and Communication Help FIs and FinTechs Navigate Uncertain Regulatory Landscape

November 2, 2023pymnts.com

The steady drumbeat of legislation and regulation echoes through federal buildings in Washington, D.C. and through state capitols across the country.

Why Fiserv Stock Is Gaining Today

October 24, 2023fool.com

Fiserv beat Wall Street's third-quarter sales and earnings targets. The company also raised its full-year sales and earnings forecast ranges.

Clover Sales Grow 26% as Fiserv's Merchants Embrace Business ‘Operating Systems'

October 24, 2023pymnts.com

Fiserv reported third-quarter results Tuesday (Oct. 24) that showed a continued embrace of P2P payments and Clover's point of sale and software solutions for small and medium-sized businesses (SMBs).

Fiserv posts strong 3Q earnings, raises FY23 guidance

October 24, 2023proactiveinvestors.com

Fiserv Inc (NASDAQ:FISV) reported strong 3Q earnings boosted by strong growth across all three of its major businesses. The fintech firm's expenses declined during the quarter after improved margins and a lower tax rate helped to boost the bottom line.