Payments/financial services technology provider Fiserv has launched an AI-focused partnership with Microsoft.By completing this form, you agree to receive marketing communications from PYMNTS and to the sharing of your information with our sponsor, if applicable, in accordance with our Privacy Policy and Terms and Conditions .Complete the form to unlock this article and enjoy unlimited free access to all PYMNTS content — no additional logins required.This new collaboration is designed to further embed artif ...

Group 1 - The author identifies as an independent investor rather than a professional analyst, preferring the terms "contributor" or "author" to describe their role [1][3] - The author has over 30 years of personal investment experience in the stock market and has a background in economics and finance [1] - The author has worked in various capacities within the financial industry, including as a buy-side analyst, fund co-manager, and analyst at a multi-strategy hedge fund, gaining insights into capital structures and M&A situations [1] - The author transitioned to a role at a financial regulatory authority, focusing on international regulation and company supervision, which provided valuable insights into corporate operations and regulatory politics [1] - The author emphasizes the importance of reading between the lines in corporate communications, understanding that messages are tailored for specific audiences [1] Group 2 - The author expresses a desire to share personal investment views and engage in discussions with the public, while adhering to compliance regulations by limiting contributions to publicly available information [1] - The author holds a beneficial long position in shares of GPN and FISV, indicating a personal investment interest in these companies [2] - The author clarifies that the content shared is not intended as investment, tax, or legal advice, and encourages readers to conduct their own research before making investment decisions [3][4]

Group 1 - Fiserv, Inc. (NASDAQ:FISV) experienced a significant decline, with a 67% drop noted by Jim Cramer, including a 44% decrease in a single session following a disappointing quarterly report and a revised full-year forecast [1] - The new CEO, Mike Lyons, criticized previous management for focusing on short-term goals at the expense of long-term investments, indicating potential issues within the company's strategic direction [1] - Despite acknowledging Fiserv's potential, there are concerns about its current performance, leading to a recommendation to wait for a bounce before considering investment [2] Group 2 - Fiserv provides technology solutions for payments and financial services, including areas such as merchant acquiring, digital banking, fraud prevention, and payment processing [2] - The stock's ongoing decline raises questions about the company's stability, with the CEO's explanations failing to reassure investors [2] - Comparatively, certain AI stocks are viewed as having greater upside potential and lower downside risk, suggesting a shift in investment focus away from Fiserv [2]

Core Insights - The restaurant POS market is highly competitive, with established processors facing challenges from fintech newcomers like Toast and Square [3] - Smaller restaurant segments have seen significant market penetration from newer entrants, who are also securing more favorable processing rates [4] - The majority of restaurant transactions (approximately 85%) are conducted via credit or debit cards, indicating a strong reliance on electronic payment methods [4] Company Analysis - Clover, owned by Fiserv, holds a dominant position in the small restaurant POS market with an estimated 20% market share, equating to around 175,000 locations [7] - Toast follows closely with a 17% market share, representing approximately 145,000 locations, and is projected to grow significantly from 134,000 locations in 2024 to 244,000 by 2028 [6][7] - Square, part of Block, ranks as the third-largest player in the smaller restaurant segment with a 13% market share, while Global Payments holds an 11% share [7] Market Overview - The U.S. restaurant and bar market was valued at about $1.1 trillion in sales last year, with the smaller restaurant segment accounting for roughly 75% of this overall market [7] - The largest restaurant groups typically process card payments directly with major processors like Fiserv, Worldpay, and JPMorgan Chase, which influences the competitive landscape [7]

Milwaukee, Wisconsin-based Fiserv, Inc. (FISV) provides payments and financial technology services. Valued at $35.7 billion by market cap, the company provides solutions for customer deposit and loan accounts, digital banking, financial and risk management. FISV also manages card processing, cardless ATM services, and non-card digital payment solutions for financial institutions and corporate clients. The fintech giant is expected to announce its fiscal fourth-quarter earnings for 2025 in the near term. ...

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 - Clover, an all-in-one commerce solution from Fiserv, has announced a collaboration with Wink to integrate biometric payment technology into its platform, marking a significant shift towards identity-based payments with enhanced security and customer experience [1][2]. Group 1: Collaboration and Technology Integration - The collaboration integrates Wink's biometric face and palm payment technology with Clover, enhancing transaction security and customer checkout experiences [1][2]. - This integration will initially target quick-service restaurants (QSRs), sports venues, and retailers, with a broader rollout planned through 2026 [2]. Group 2: Benefits of the New Solution - Clover merchants will benefit from faster, personalized checkout experiences while securing transactions with AI-powered biometrics, reducing fraud exposure and increasing customer loyalty [2][4]. - The use of a secure token vault to manage biometric profiles enhances transaction security by ensuring sensitive data is not stored alongside payment credentials [2][5]. Group 3: Future of Commerce - The integration aims to unify payment and identity, making advanced biometric technology accessible for small and medium-sized businesses (SMBs) [3]. - Consumers will enjoy frictionless interactions through biometric recognition methods, including contactless palm, face, and voice authentication, which comply with strict payment and data protection standards [3][7]. Group 4: Company Background - Fiserv is a global leader in payments and financial technology, recognized as a Fortune 500 company and a member of the S&P 500 Index [5][6]. - Wink is noted for its multi-factor biometric platform, which combines various recognition methods to enhance security and customer experience across channels [7][8].

Core Viewpoint - A class action lawsuit has been filed against Fiserv, Inc. for allegedly making misleading statements regarding its initiatives and projects during the class period from July 23, 2025, to October 29, 2025, leading to investor losses [8]. Group 1: Allegations - The lawsuit claims that Fiserv made false and misleading statements about its 2025 guidance, which was revised in July 2025 based on a review of new initiatives and products [8]. - Fiserv indicated that while some initiatives were delayed, they were fundamentally sound, which was later revealed to be misleading [8]. - The company admitted in October 2025 that the assumptions underlying its July 2025 guidance were difficult to achieve, contributing to inflated security prices and subsequent investor losses [8]. Group 2: Legal Process - Investors who purchased Fiserv securities during the class period have until January 5, 2026, to apply to be appointed as lead plaintiff in the lawsuit [8]. - The law firm Bragar Eagel & Squire, P.C. is representing the investors and encourages those affected to contact them for more information [4][5].

Core Insights - The financial sector is currently experiencing a trend of oversold stocks, presenting potential buying opportunities for undervalued companies [1] Group 1: Oversold Stocks - Fiserv Inc (NASDAQ:FISV) has an RSI value of 28.8, with shares falling approximately 62% over the past six months, closing at $65.59 [6] - Paymentus Holdings Inc (NYSE:PAY) has an RSI value of 25.5, with a stock decline of around 19% in the past month, closing at $28.47 [6] - Walker & Dunlop has an RSI value of 24.8, with shares decreasing about 7% over the past month, closing at $58.72 [6] Group 2: Analyst Ratings and Price Targets - Tigress Financial analyst maintained a Buy rating for Fiserv, lowering the price target from $250 to $95 [6] - JP Morgan analyst maintained a Neutral rating for Paymentus, raising the price target from $35 to $38 [6] - Jefferies analyst initiated coverage on Walker & Dunlop with a Buy rating and a price target of $75 [6]

Core Insights - The financial sector is experiencing a trend of oversold stocks, presenting potential buying opportunities for undervalued companies [1] Group 1: Oversold Stocks - Fiserv Inc (NASDAQ:FISV) has an RSI of 28.8, with a stock price decline of approximately 62% over the past six months, closing at $65.59 [6] - Paymentus Holdings Inc (NYSE:PAY) has an RSI of 25.5, with a stock price drop of around 19% in the last month, closing at $28.47 [6] - Walker & Dunlop has an RSI of 24.8, with a stock price decrease of about 7% over the past month, closing at $58.72 [6] Group 2: Analyst Ratings and Price Targets - Tigress Financial analyst maintained a Buy rating for Fiserv, lowering the price target from $250 to $95 [6] - JP Morgan analyst maintained a Neutral rating for Paymentus Holdings, raising the price target from $35 to $38 [6] - Jefferies analyst initiated coverage on Walker & Dunlop with a Buy rating and set a price target of $75 [6]