Analysts on Wall Street project that Fiserv (FISV) will announce quarterly earnings of $1.90 per share in its forthcoming report, representing a decline of 24.3% year over year. Revenues are projected to reach $4.95 billion, increasing 0.9% from the same quarter last year.The consensus EPS estimate for the quarter has been revised 3.3% lower over the last 30 days to the current level. This reflects how the analysts covering the stock have collectively reevaluated their initial estimates during this timefram ...

Core Insights - Fiserv's Small Business Index for January 2026 indicates a decline in small business sales due to seasonal shifts and harsh winter storms, with the index dropping 1 point to 143 [1] - Year-over-year sales increased by 0.7%, while month-over-month sales decreased by 0.5% [1] Consumer Behavior - Consumer foot traffic experienced a significant year-over-year decline of 2.0%, the sharpest since mid-2022, and a month-over-month drop of 0.8% [2] - Discretionary spending softened, with discretionary sales falling 0.4% year-over-year and 0.7% month-over-month, influenced by a 2.4% year-over-year decline in foot traffic [3] Sector Performance - Essential sales remained stable year-over-year, growing by 2.2%, but were flat month-over-month [3] - Professional and Administrative Services showed growth, with Administrative and Support Services increasing by 1.1% month-over-month, and Tax Preparation Services growing by 9.3% year-over-year and 5.6% month-over-month [4] - Small business retail sales were flat year-over-year and month-over-month, with core retail categories (grocery, clothing, furniture) growing by 1.5% year-over-year, while non-core retail categories declined by 2.7% [5] Restaurant and Service Sector Trends - Restaurant sales fell by 1.8% year-over-year, primarily due to a 3.6% decline in foot traffic, with limited-service restaurants experiencing the largest sales drop of 3.4% year-over-year [6] - Average ticket sizes in restaurants increased by 1.6% year-over-year, providing only a partial offset to the decline in sales [6] Impact of Winter Storms - The report highlights the impact of Winter Storm Fern on various regions and business types across the U.S., affecting consumer behavior and sales trends [7]

Core Insights - Fiserv has experienced significant stock decline following a disappointing earnings report, losing nearly half its value in one day last October and currently trading at a low P/E ratio of 10 [1][6] Company Overview - Fiserv is a leading global payment processing company with over $21 billion in trailing-12-month revenue, typically showing healthy growth [2] - The company has faced recent challenges, including a third-quarter report that fell below expectations and a reduction in full-year guidance [2] Financial Performance - In the latest earnings report, Fiserv's earnings per share (EPS) were $2.04, which was $0.60 lower than Wall Street expectations, and sales declined 1% to $4.92 billion, missing the expected $5.36 billion [3] - Management has revised full-year EPS guidance to $8.55, down from a previous range of $10.15 to $10.30, and revenue growth is now forecasted at 3.5% to 4%, significantly lower than the prior guidance of 10% [3] Legal Issues - Fiserv is currently facing a lawsuit from shareholders alleging misleading claims regarding its Clover payment platform, claiming the company inflated comparable sales growth by switching clients from other platforms [4] Market Position - Despite the challenges, Fiserv remains a leader in the payment processing industry with a strong software-as-a-service (SaaS) model that relies on recurring revenue, serving thousands of clients and millions of merchants [6] - The company is highly profitable, which may indicate that the current low stock price could represent a buying opportunity rather than a value trap [6] Strategic Initiatives - CEO Mike Lyons has initiated the One Fiserv Action Plan, focusing on long-term client service and operational excellence, and plans to enhance the use of artificial intelligence (AI) in its platform [7] - An enhanced partnership with ServiceNow has been announced as part of this strategic plan [7] Investor Outlook - It may take time for Fiserv to regain investor trust and for the stock to recover to previous highs, but the current price may warrant a second look from investors [8]

Core Viewpoint - Bragar Eagel & Squire, P.C. is investigating potential claims against Fiserv, Inc. on behalf of long-term stockholders following a class action complaint filed against the company, focusing on possible breaches of fiduciary duties by the board of directors [1][6]. Group 1: Class Action Details - A class action complaint was filed against Fiserv on November 4, 2025, with a Class Period from July 23, 2025, to October 29, 2025 [1]. - The complaint alleges that during the Class Period, Fiserv made misleading statements regarding its initiatives and projects, particularly during a guidance revision in July 2025 [6]. - Fiserv's July 2025 guidance changes were based on a "re-underwriting" review, which the company later admitted was based on assumptions that were difficult to achieve [6]. Group 2: Impact on Investors - The misleading statements made by Fiserv during the Class Period resulted in investors purchasing the company's securities at artificially inflated prices, leading to damages when the truth was revealed [6]. - The company acknowledged in October 2025 that the guidance disclosed in July was fundamentally flawed, impacting investor trust and stock value [6].

Core Viewpoint - Julie & Holleman LLP is investigating potential claims against Fiserv, Inc. insiders related to stockholder losses due to alleged concealment of business performance issues and growth prospects [1][2][3] Group 1: Allegations Against Fiserv - Fiserv is accused of engaging in a significant cover-up by hiding facts about its business performance and growth prospects [2] - The company allegedly failed to disclose issues with its older Payeezy platform, which contributed to a temporary boost in revenues through forced migrations to the Clover platform [2] - Following the forced migration, many former Payeezy customers reportedly switched to competitors, causing significant harm to Fiserv's business [2] Group 2: Legal Actions and Investigations - Julie & Holleman LLP is investigating legal claims against Fiserv, its executives, and potentially the board of directors in connection with the alleged fraud [3] - The firm has a history of helping recover hundreds of millions of dollars for shareholders in previous cases [3][4]

Key Takeaways FISV's growth is supported by rising SaaS and payment adoption, with revenues likely to rise in 2025 and 2026.Enhanced platforms like Clover and Commerce Hub, plus a Japan partnership, expand FISV's payments reach.Acquisitions of Smith Consulting and CardFree strengthen FISV's services and merchant solutions portfolio.Fiserv, Inc.’s (FISV) growth is fueled by the rising adoption of Software-as-a-Service (SaaS) and payment solutions by business houses. Its new acquisitions and AI innovations ai ...

Core Viewpoint - Fiserv, Inc. will announce its fourth quarter financial results on February 10, 2026, before the market opens [1] Group 1: Financial Results Announcement - The financial results will be discussed in a live webcast at 7 a.m. CT (8 a.m. ET) on February 10 [2] - The webcast and supplemental financial information will be available on the investor relations section of the Fiserv website [2] - A replay of the webcast will be accessible approximately one hour after the live event [2] Group 2: Company Overview - Fiserv, Inc. is a leading global provider of payments and financial services technology solutions [3] - The company is recognized as a Fortune 500 company and is a member of the S&P 500 Index [3] - Fiserv offers a range of services including account processing, digital banking solutions, card issuer processing, payments, e-commerce, and merchant acquiring [3] - The company is noted for its commitment to innovation and excellence, and has been recognized as one of TIME Magazine's Most Influential Companies and one of Fortune's World's Most Admired Companies [3]

MOORPARK, Calif.--(BUSINESS WIRE)--100GROUP, a national leader in FinTech, payment processing, and business concierge services, has been named to the Fiserv/CardConnect Circle of Excellence, a premier partner award presented by CardConnect, a Fiserv company, honoring top-performing partners across the United States. "This award is a direct reflection of the people behind our company, and our dedication to leveraging technology in an effort to help business owners of all shapes and sizes." - Jeff Brodsly, CE ...

Core Viewpoint - Bragar Eagel & Squire, P.C. is investigating potential claims against Fiserv, Inc. on behalf of long-term stockholders following a class action complaint filed on November 4, 2025, regarding alleged breaches of fiduciary duties by the board of directors during the Class Period from July 23, 2025, to October 29, 2025 [1][7]. Group 1: Legal Investigation - The law firm is encouraging long-term stockholders of Fiserv to contact them to discuss their legal rights and options [1][3]. - The investigation focuses on whether Fiserv's board of directors made misleading statements and omissions about the company's initiatives and projects during the Class Period [7]. Group 2: Class Action Details - The class action alleges that Fiserv's guidance changes in July 2025 were based on misleading representations, claiming that certain initiatives were fundamentally sound despite delays [7]. - Fiserv later admitted in October 2025 that the guidance disclosed in July was based on assumptions that were difficult to achieve, leading to artificially inflated security prices for investors [7].

Core Insights - BlackBird Financial has established a significant ownership position in Fiserv, Inc., a leader in financial technology and payments infrastructure [1] - The investment decision was based on a detailed review of Fiserv's competitive position and long-term prospects, highlighting a gap between market perception and the company's potential [2] Company Overview - Fiserv is integral to the global financial system, facilitating the movement of billions of dollars daily for banks, merchants, and consumers [3] - The company is recognized for its deep integration into client systems, creating a substantial operational backbone that is difficult to replace [5] Leadership Confidence - BlackBird expresses strong confidence in Fiserv's CEO, Mike Lyons, emphasizing his strategic approach to the company's turnaround [4] - The firm supports management's long-term vision and does not intend to take an activist role [5] Competitive Position - Fiserv is one of the largest providers in core processing for U.S. banks and credit unions, with high switching costs that reinforce its market position [6] - In merchant acquiring, Fiserv competes with major players and benefits from the distribution of its Clover platform, making it challenging for merchants to switch providers [8] - The company also plays a crucial role in PIN-debit routing and bank connectivity, with embedded capabilities that are difficult to unwind [9] Market Outlook - Fiserv has generated over $5 billion in adjusted net income in the past twelve months, with expectations for increased earnings in the future [11] - The current market capitalization of Fiserv is around $33 billion, suggesting a favorable valuation opportunity for investors [11]