今夜！突然暴雷！

Core Viewpoint - The article discusses the recent performance of the U.S. stock market, highlighting a significant drop in the stock price of fintech giant Fiserv, which fell by 40% due to disappointing earnings and guidance adjustments [2][8][11]. Market Performance - On October 29, the U.S. stock market rose ahead of the Federal Reserve's interest rate decision, with the Nasdaq Composite up approximately 0.5%, the S&P 500 rising nearly 0.2%, and the Dow Jones Industrial Average increasing by 231 points, a 0.5% gain [3]. - Nvidia's stock rose about 4%, making it the first company to reach a market capitalization of $5 trillion, amid optimism surrounding AI developments [4][15]. - The market anticipates a 25 basis point rate cut from the Federal Reserve, with expectations for another cut in December [5]. Fiserv's Financial Troubles - Fiserv's CEO Mike Lyons announced a downward revision of the company's adjusted earnings per share (EPS) forecast for the year from $10.15-$10.30 to $8.50-$8.60, with third-quarter adjusted revenue and EPS falling short of analyst expectations [11][12]. - The company's "Financial Solutions" division, which provides technology to banks and credit unions, saw a 3% decline in revenue and a profit margin drop to 42.5%, down approximately 5 percentage points year-over-year [14]. - Analysts expressed shock at the rapid deterioration of Fiserv's business, with some stating that the management's explanations for the revenue assessment changes lacked credibility, leading to uncertainty about future performance [12][14].