Fiserv Q3 Earnings Miss Estimates, Revenues Decline 6% Y/Y

Fiserv, Inc. FI has reported dismal third-quarter 2025 results, wherein earnings and revenues missed the Zacks Consensus Estimate.FI’s adjusted earnings per share of $2.04 missed the consensus mark by 22.7% and declined 11.3% year over year. Adjusted revenues of $4.9 billion missed the consensus estimate by 8.2% and declined 5.7% on a year-over-year basis.FI stock has declined 36.8% in a year compared with the industry’s marginal drop and the Zacks S&P 500 composite’s rise of 20.8%.Fiserv, Inc. Price, Consensus and EPS Surprise  Fiserv, Inc. price-consensus-eps-surprise-chart | Fiserv, Inc. QuoteFiserv's Quarterly DetailsProcessing and services’ revenues were $4.3 billion, up marginally on a year-over-year basis, but missing our estimate of $4.7 billion. Revenues in the Product segment were $990 million, rising 1.2% from the year-ago quarter and missing our projection of $1.2 billion.Revenues from Merchant Solutions were $2.6 billion, increasing 4.7% year over year. However, the figure missed our estimate of $3 billion. The Financial Solutions segment reported revenues of $2.3 billion, marking a 3.3% decrease from the year-ago quarter and missing our projection of $2.6 billion.The operating margin for the Merchant Solutions segment was 37.2%, down 50 basis points (bps) on a year-over-year basis. The Financial Solutions segment’s operating margin was 42.5%, decreasing 510 bps from the year-ago quarter.Balance Sheet & Cash Flow of FIFiserv exited the third quarter with cash and cash equivalents of $1.1 billion compared with $999 million in the second quarter of 2025. The long-term debt was $28.9 billion compared with $28.1 billion in the second quarter of 2025.FI generated $1.8 billion in net cash from operating activities, whereas its free cash flow was $1.3 billion. Capital expenditure was $507 million. The company repurchased 12.2 million shares for $1 billion in the quarter.Fiserv's 2025 GuidanceManagement lowered its organic revenue growth to 3.5-4% from the preceding quarter’s view of 10%. The adjusted EPS guidance was reduced to $8.5-$8.6 from the preceding quarter’s forecast of $10.15-$10.30. The guided range is lower than the Zacks Consensus Estimate of $10.17.Fiserv carries a Zacks Rank #4 (Sell) at present.You can see the complete list of today’s Zacks #1 Rank (Strong Buy) stocks here.Earnings SnapshotsWM WM reported dismal third-quarter 2025 results.WM’s quarterly adjusted earnings of $1.98 per share missed the consensus mark by 1.5% but moved up 1% year over year. Total revenues of $6.4 billion missed the consensus mark by a slight margin but grew 14.9% from the year-ago quarter.TransUnion TRU posted impressive third-quarter 2025 results.TRU’s quarterly adjusted earnings (adjusting 61 cents from non-recurring items) of $1.10 per share surpassed the consensus mark by 5.8% and increased by the same margin year over year. Total revenues of $1.2 billion outpaced the consensus mark by 3.1% and increased 7.8% from the year-ago quarter.#1 Semiconductor Stock to Buy (Not NVDA)The incredible demand for data is fueling the market's next digital gold rush. As data centers continue to be built and constantly upgraded, the companies that provide the hardware for these behemoths will become the NVIDIAs of tomorrow.One under-the-radar chipmaker is uniquely positioned to take advantage of the next growth stage of this market. It specializes in semiconductor products that titans like NVIDIA don't build. It's just beginning to enter the spotlight, which is exactly where you want to be.See This Stock Now for Free >>Want the latest recommendations from Zacks Investment Research? Today, you can download 7 Best Stocks for the Next 30 Days. Click to get this free report Waste Management, Inc. (WM): Free Stock Analysis Report Fiserv, Inc. (FI): Free Stock Analysis Report TransUnion (TRU): Free Stock Analysis ReportThis article originally published on Zacks Investment Research (zacks.com).Zacks Investment ResearchWeiter zum vollständigen Artikel bei Zacks Weiter zum vollständigen Artikel bei Zacks