Fourth Quarter 2022 Financial Results February 7, 2023 Forward-Looking Statements and Non-GAAP Financial Measures Forward-Looking Statements This presentation contains forward-looking statements within the meaning of the Private Securities Litigation Reform Act of 1995, including statements regarding anticipated organic revenue growth, adjusted earnings per share, adjusted earnings per share growth, free cash flow, adjusted operating margin, adjusted operating margin expansion and other statements regarding ...

Third Quarter 2022 Financial Results October 27, 2022 Forward-Looking Statements and Non-GAAP Financial Measures Forward-Looking Statements This presentation contains forward-looking statements within the meaning of the Private Securities Litigation Reform Act of 1995, including statements regarding anticipated organic revenue growth, adjusted earnings per share, adjusted earnings per share growth, free cash flow conversion, adjusted operating margin, adjusted operating margin expansion and other statements ...

Table of Contents Title of each class Trading Symbol(s) Name of each exchange on which registered Common Stock, par value $0.01 per share FISV The NASDAQ Stock Market LLC 0.375% Senior Notes due 2023 FISV23 The NASDAQ Stock Market LLC 1.125% Senior Notes due 2027 FISV27 The NASDAQ Stock Market LLC 1.625% Senior Notes due 2030 FISV30 The NASDAQ Stock Market LLC 2.250% Senior Notes due 2025 FISV25 The NASDAQ Stock Market LLC 3.000% Senior Notes due 2031 FISV31 The NASDAQ Stock Market LLC UNITED STATES SECURIT ...

Fiserv, Inc. (FISV) Q3 2022 Earnings Conference Call October 27, 2022 8:00 AM ET Company Participants Julie Chariell - Senior Vice President, Investor Relations Frank Bisignano - Chairman, President & Chief Executive Officer Bob Hau - Chief Financial Officer Conference Call Participants Lisa Ellis - MoffettNathanson David Togut - Evercore ISI Darrin Peller - Wolfe Research Dave Koning - Baird Tien-Tsin Huang - JPMorgan Jason Kupferberg - Bank of America Operator Welcome to the Fiserv Third Quarter 2022 Quar ...

Second Quarter 2022 Financial Results July 26, 2022 Forward-Looking Statements and Non-GAAP Financial Measures Forward-Looking Statements This presentation contains forward-looking statements within the meaning of the Private Securities Litigation Reform Act of 1995, including statements regarding anticipated organic revenue growth, adjusted earnings per share, adjusted earnings per share growth, free cash flow conversion, adjusted operating margin, adjusted operating margin expansion and other statements r ...

Fiserv, Inc. (FISV) Q2 2022 Results Conference Call July 26, 2022 8:00 AM ET Company Participants Shub Mukherjee - Senior Vice President of Investor Relations Frank Bisignano - Chairman, President and Chief Executive Officer Bob Hau - Chief Financial Officer Conference Call Participants Dave Koning - Baird Lisa Ellis - MoffettNathanson Tien-Tsin Huang - JPMorgan Darrin Peller - Wolfe Research Ramsey El-Assal - Barclays Jason Kupferberg - Bank of America James Faucette - Morgan Stanley Vasu Govil - KBW Opera ...

Table of Contents Title of each class Trading Symbol(s) Name of each exchange on which registered Common Stock, par value $0.01 per share FISV The NASDAQ Stock Market LLC 0.375% Senior Notes due 2023 FISV23 The NASDAQ Stock Market LLC 1.125% Senior Notes due 2027 FISV27 The NASDAQ Stock Market LLC 1.625% Senior Notes due 2030 FISV30 The NASDAQ Stock Market LLC 2.250% Senior Notes due 2025 FISV25 The NASDAQ Stock Market LLC 3.000% Senior Notes due 2031 FISV31 The NASDAQ Stock Market LLC UNITED STATES SECURIT ...

Acquisitions and Strategic Initiatives - The company acquired BentoBox CMS, Inc. for approximately $882 million, enhancing its Clover dining solutions and business management capabilities[136]. - On April 1, 2022, the company acquired Finxact, Inc. for approximately $650 million, aimed at advancing its digital banking strategy[138]. - The company has identified a compelling strategic need for acquisitions to meet client demand and achieve business scale[135]. Financial Performance - Total revenue increased by $383 million, or 10%, in Q1 2022 compared to Q1 2021, driven by higher processing volumes and product sales across all business segments[158]. - Revenue in the Acceptance segment rose by $256 million, or 18%, in Q1 2022, attributed to increased global merchant acquiring payment and transaction volumes[159]. - Revenue in the Fintech segment grew by $42 million, or 6%, in Q1 2022, primarily due to higher processing revenue[160]. - Revenue in the Payments segment increased by $57 million, or 4%, in Q1 2022, supported by increased transaction volumes[161]. - Total operating income surged by $371 million, or 78%, in Q1 2022, with an operating margin increase of 790 basis points to 20.5%[169]. - Net income attributable to Fiserv, Inc. was $682 million in Q1 2022, an increase of 114% compared to $318 million in Q1 2021[184]. - Diluted net income per share increased to $1.02 in Q1 2022 from $0.45 in Q1 2021, driven by improved operating results and gains from asset sales[180]. Operational Efficiency - Total expenses as a percentage of total revenue decreased by 780 basis points to 79.6% in Q1 2022, positively impacted by operating leverage and a reduction in acquisition-related expenses[163]. - Cost of processing and services as a percentage of revenue decreased to 42.7% in Q1 2022 from 45.7% in Q1 2021, benefiting from strong operating leverage[164]. - Operating income in the Acceptance segment increased by $83 million, or 21%, with an operating margin of 28.4%[170]. Cash Flow and Capital Management - Operating cash flow decreased by 14% to $815 million in Q1 2022 from $952 million in Q1 2021, primarily due to unfavorable fluctuations in net working capital[182]. - Capital expenditures were approximately 8% of total revenue in Q1 2022, up from 6% in Q1 2021, totaling $331 million compared to $234 million[183]. - The company repurchased $500 million of common stock in Q1 2022, down from $612 million in Q1 2021, with approximately 37.2 million shares remaining under repurchase authorization[186]. Debt and Liquidity - Total long-term debt was $20.5 billion as of March 31, 2022, a decrease from $20.7 billion at the end of 2021[192]. - The company maintained $863 million in cash and cash equivalents and had a revolving credit facility capacity of $1.6 billion as of March 31, 2022[181]. - The total outstanding borrowings amounted to $2,794 million, with variable rate debt including foreign lines of credit at 24.16% and U.S. commercial paper notes at 0.75%[203]. - The company has adequate capital resources and access to external financing to meet operational needs amid uncertainties caused by the COVID-19 pandemic[206]. Market Trends and Industry Insights - The company reported a significant focus on integrating technology solutions for financial institutions, anticipating increased demand for digital banking experiences[145]. - The global payments landscape is evolving with a steady expansion of digital payments and e-commerce, driving competition and innovation in real-time payments infrastructure[139]. - The company expects to benefit from the trend of financial institutions moving from in-house technology to outsourced solutions, creating revenue opportunities[145]. - The company has observed a steady decline of approximately 3% per year in the number of financial institutions in the U.S., primarily due to mergers and acquisitions[146]. Tax and Interest Expenses - Interest expense, net decreased by $8 million, or 5%, in Q1 2022 due to lower-rate commercial paper borrowings[174]. - Income tax provision as a percentage of income before income taxes was 14.5% in Q1 2022, compared to 5.6% in Q1 2021[176]. Investment Income - The company reported a decrease in income from investments in unconsolidated affiliates to $106 million in Q1 2022 from $16 million in Q1 2021[182]. Compliance and Risk Management - The company was in compliance with all financial debt covenants during the first three months of 2022, expecting to maintain compliance moving forward[196]. - There were no significant changes in the company's market risk assessments during the three months ended March 31, 2022[208].

II SCITY First Quarter 2022 Financial Results April 27, 2022 @ the speed of life® Forward-Looking Statements and Non-GAAP Financial Measures Forward-Looking Statements This presentation contains forward-looking statements within the meaning of the Private Securities Litigation Reform Act of 1995, including statements regarding anticipated organic revenue growth, adjusted earnings per share, adjusted earnings per share growth, free cash flow conversion, adjusted operating margin, adjusted operating margin ex ...

Table of Contents UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, DC 20549 FORM 10-K ☑ ANNUAL REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the fiscal year ended: December 31, 2021 OR ☐ TRANSITION REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the transition period from to Commission file number: 1-38962 Fiserv, Inc. (Exact Name of Registrant as Specified in Its Charter) Wisconsin 39-1506125 (State or Other Jurisdiction of I ...