Group 1: Acquisition Overview - Fiserv plans to acquire Brazilian FinTech company Money Money Servicos Financeiros S.A. to enhance its Clover platform for Brazilian small- to medium-sized businesses (SMBs) [1] - The acquisition will integrate Money Money's financing engine with Clover's cloud-based point-of-sale and business management platform [1][2] - The deal is subject to regulatory approval and is expected to close in the second quarter [2] Group 2: Strategic Importance - The addition of Money Money's services aims to boost growth for Fiserv's acquiring clients by facilitating access to necessary resources for improvements and processes [3] - Fiserv's ongoing investment in the Brazilian market reflects its commitment to advancing clients' business objectives through expanded local capabilities [3] Group 3: Recent Acquisitions - On April 7, Fiserv acquired payment facilitator Pinch Payments, which serves 2,000 merchants in Australia and New Zealand, enhancing its payment orchestration platform [4] - In March, Fiserv acquired CCV, a payment solutions provider in the Netherlands, Belgium, and Germany, to expedite Clover platform deployment in Europe [5] - Also in March, Fiserv finalized the purchase of earned wage access provider Payfare, aimed at accelerating embedded finance solutions for its clients [6]

The payments and financial services giant trades roughly 14% below its all-time highs heading into its first- quarter earnings release on Thursday, April 24. Fiserv, Inc. (FI) ) is a backend payment solutions giant that has been a safe haven amid the 2025 market turmoil. The fintech stock has moved sideways this year, while the Zacks Tech sector has dropped by over 17%. Over the past 20 years, Fiserv stock has nearly tripled the Zacks Tech sector. Fiserv's growing portfolio spans digital banking solutions, ...

Core Viewpoint - Fiserv, Inc. is expected to report its first-quarter 2025 results on April 24, with positive earnings surprise history and anticipated growth in various revenue segments [1][5]. Revenue Expectations - The Zacks Consensus Estimate for Fiserv's Q1 2025 revenue is $4.9 billion, reflecting a 7.2% increase from the same quarter last year [2]. - Financial Solutions revenues are projected to rise by 6.3% to $2.4 billion, driven by contributions from clients like Target, Verizon, and DoorDash [2]. - Merchant Solutions revenues are expected to reach $2.5 billion, indicating a 12.7% year-over-year growth, largely attributed to strong performance in Clover [3]. - Processing and Services revenues are estimated at $4.3 billion, representing a 7.7% growth compared to the previous year [4]. - The Product segment's revenues are forecasted to be $988.5 million, suggesting an 11.9% increase year-over-year [4]. Earnings Predictions - The model predicts an earnings beat for Fiserv, supported by a positive Earnings ESP of +0.64% and a Zacks Rank of 3 (Hold) [5].

Core Insights - Fiserv (FI) is expected to report quarterly earnings of $2.07 per share, a 10.1% increase year-over-year, with revenues projected at $4.87 billion, reflecting a 7.2% year-over-year growth [1] Earnings Estimates - The consensus EPS estimate has been revised upward by 0.1% in the last 30 days, indicating analysts' reassessment of their initial projections [2] - Revisions to earnings projections are crucial for predicting investor behavior and are strongly correlated with short-term stock price performance [3] Revenue Projections - Analysts estimate 'Adjusted Revenue- Corporate and Other' to be $2.86 million, showing a year-over-year decline of 42.8% [5] - 'Revenue- Processing and services' is projected to reach $4.29 billion, indicating a year-over-year increase of 7.3% [5] - 'Revenue- Product' is expected to be $963.87 million, reflecting a 9.2% increase from the previous year [5] Stock Performance - Fiserv shares have decreased by 5.9% over the past month, compared to a 6.9% decline in the Zacks S&P 500 composite [6] - The company holds a Zacks Rank 3 (Hold), suggesting it is likely to perform in line with the overall market in the near term [6]

Core Viewpoint - The market anticipates Fiserv (FI) will report a year-over-year increase in earnings driven by higher revenues in its upcoming earnings report for the quarter ended March 2025 [1][3]. Earnings Expectations - Fiserv is expected to post quarterly earnings of $2.07 per share, reflecting a year-over-year increase of +10.1% [3]. - Revenues are projected to reach $4.88 billion, which is a 7.3% increase from the same quarter last year [3]. Estimate Revisions - The consensus EPS estimate has been revised 0.11% higher in the last 30 days, indicating a positive reassessment by analysts [4]. - A positive Earnings ESP of +1.05% suggests that analysts have recently become more optimistic about Fiserv's earnings prospects [10][11]. Earnings Surprise Prediction - The Zacks Earnings ESP model indicates that a positive or negative reading can predict the likelihood of actual earnings deviating from consensus estimates, with positive readings being more reliable [7][8]. - Fiserv's current Zacks Rank is 3, which, combined with a positive Earnings ESP, suggests a strong likelihood of beating the consensus EPS estimate [11]. Historical Performance - In the last reported quarter, Fiserv exceeded the expected earnings of $2.48 per share by delivering $2.51, resulting in a surprise of +1.21% [12]. - Over the past four quarters, Fiserv has consistently beaten consensus EPS estimates [13]. Conclusion - While an earnings beat is a positive indicator, other factors may also influence stock movement post-earnings release [14]. - Fiserv is considered a compelling candidate for an earnings beat, but investors should remain aware of additional influencing factors [16].

Industry Overview - Mobile payments are financial transactions conducted via smartphones, tablets, or wearable devices, eliminating the need for cash or physical cards [1] - The global mobile payments market was valued at $88.5 billion in 2024 and is projected to grow at a compound annual growth rate (CAGR) of 38% from 2025 to 2030, driven by smartphone penetration and e-commerce growth [4] Technological Advancements - Technologies such as blockchain and artificial intelligence are enhancing transaction transparency, automating processes, and improving fraud prevention in mobile payments [2] - Digital wallets and contactless technologies, including NFC, are facilitating seamless transactions and peer-to-peer transfers [1][2] Key Players - Affirm Holdings, Inc. is known for its "Buy Now, Pay Later" solutions, allowing consumers to split purchases into biweekly or monthly payments, with 21 million active consumers and 337,000 active merchants as of December 31, 2024 [6][7] - Fiserv, Inc. offers a comprehensive suite of mobile payment solutions, including Clover Go, which supports around 3.5 million POS devices globally and has been adopted by over 2,100 financial institutions [9][10] - MercadoLibre, Inc. operates Mercado Pago, which processed approximately 11.3 billion transactions last year and has over 56 million monthly active users, highlighting its significant growth potential in Latin America [13][14] - Paymentus Holdings, Inc. provides an all-in-one electronic bill presentment and payment platform, processing 166 million transactions in the fourth quarter of 2024, showcasing its operational scale [16][18] Market Trends - The COVID-19 pandemic has accelerated the demand for contactless and secure payment solutions, further driving the adoption of mobile payments [3] - Companies are leveraging strategic partnerships to enhance their service offerings and expand into new markets, such as Affirm's collaboration with Shopify for international expansion [8]

Group 1 - Fiserv, Inc. (NYSE: FI) is rated as a buy, particularly for long-term investors despite uncertainties from tariffs imposed by the Trump administration [1] - The success rate of copying Mario Silva's trades is 77%, with 76.92% of transactions generating a profit and an average return of 12.20% per rating [1] - The investment approach focuses on fundamental analysis and a "buy & hold" strategy, emphasizing long-term value investing [1] Group 2 - The analyst holds a beneficial long position in Fiserv shares through stock ownership, options, or other derivatives [2] - The article expresses the analyst's own opinions and is not compensated for it, indicating independence in the analysis [2]

Company Performance - Broadridge Financial Solutions (BR) has returned approximately 2.7% year-to-date, outperforming the average return of -3.9% for the Business Services sector [4] - The Zacks Consensus Estimate for BR's full-year earnings has increased by 0.1% over the past 90 days, indicating improved analyst sentiment and earnings outlook [4] Industry Comparison - Broadridge is part of the Outsourcing industry, which consists of 10 companies and currently ranks 217 in the Zacks Industry Rank, with an average loss of 1.4% this year [6] - In contrast, Fiserv (FI), another stock in the Business Services sector, has a year-to-date return of 2.4% and belongs to the Financial Transaction Services industry, which ranks 88 and has declined by 1.5% this year [5][6] Zacks Rank - Broadridge Financial Solutions holds a Zacks Rank of 2 (Buy), suggesting it is positioned to outperform the broader market in the near term [3] - Fiserv also has a Zacks Rank of 2 (Buy), with a consensus EPS estimate increase of 0.3% over the past three months [5]

Group 1 - Fiserv has acquired payment facilitator Pinch Payments and its management platform Glassbox, enhancing its capabilities in the local payments market [1][2] - Pinch Payments, founded in 2017, serves approximately 2,000 merchants in Australia and New Zealand, providing tools for efficient payment facilitation at scale [1] - The acquisition allows Fiserv to integrate its digital payment solutions with Pinch's technology, aiming to empower merchants across the APAC region [2][3] Group 2 - The deal provides Fiserv with a payment orchestration platform that supports flexible service options and accelerates market entry for various payment facilitators and vendors [3] - Paul Allen, co-founder and CEO of Pinch Payments, expressed confidence in expanding into new markets through the partnership with Fiserv [4] - This acquisition is part of a series of strategic purchases by Fiserv, including the recent acquisition of CCV, a payment solutions provider in Europe [4][5] Group 3 - The acquisition of CCV will enable Fiserv to expedite the deployment of its Clover point-of-sale platform across Europe [5] - Fiserv is also acquiring Payfare, an earned wage access provider, to enhance its embedded finance solutions [6] - A recent collaboration with PYMNTS Intelligence revealed that 73% of retailers plan to increase their investments in GenAI this year [6]

Company Acquisition - Fiserv has acquired CCV, a payment solutions provider operating in the Netherlands, Belgium, and Germany, to enhance the deployment of its Clover point-of-sale platform across Europe [1] - Financial terms of the acquisition were not disclosed [1] CCV Overview - CCV, founded in 1958, offers services including transaction processing, online and closed-loop payments, acquiring, and various payment terminals [2] - The company is recognized for facilitating the first electronic payments in the Netherlands 55 years ago [2] Strategic Intent - Fiserv aims to build upon CCV's strong foundation to ensure continued success and create a robust omnichannel offer for European businesses [3] - The acquisition is expected to provide Fiserv's merchant and partner network with access to advanced payment technology [4] Financial Performance - Clover has been a significant revenue driver for Fiserv, with Clover sales increasing by 29%, amounting to an annualized gross payments volume of $310 billion [5] Recent Developments - The acquisition follows Fiserv's recent purchase of Payfare, an earned wage access provider, which complements Fiserv's existing financial solutions [6] - A report indicated that many companies in the gaming industry are hindered by outdated data strategies, with only 18% tracking real-time market data, despite 80% considering it critical [6][7]