Financial Data and Key Metrics Changes - Total company organic revenue growth was 7%, adjusted earnings per share increased by 14%, and adjusted operating margin rose by 200 basis points [15][49][67] - Free cash flow for the quarter was $371 million, with a trailing twelve months free cash flow of $5.2 billion, and an expectation of approximately $5.5 billion for 2025 [48][67] - Adjusted operating income growth was 11%, with total company adjusted operating margin at 37.8% [49][67] Business Line Data and Key Metrics Changes - Merchant Solutions segment posted 8% organic revenue growth and 5% adjusted revenue growth, with small business organic revenue growth at 10% and Clover revenue growth at 27% [19][50][53] - Financial Solutions segment achieved 6% organic and adjusted revenue growth, driven by digital payments and issuing, with digital payments growing by 8% [34][60] Market Data and Key Metrics Changes - The company expanded Clover into four new countries: Mexico, Brazil, Australia, and Singapore, increasing the total number of Clover countries to 13 [21][22] - The company added 33 new financial institution partners in the U.S. during Q1, marking an acceleration from the previous year [27][30] Company Strategy and Development Direction - The company is focused on executing growth initiatives, including strategic acquisitions and enhancing its product offerings, particularly in embedded finance and digital banking [11][12][16] - The management emphasized the importance of leveraging artificial intelligence and data to improve client services and operational efficiency [10][43] Management's Comments on Operating Environment and Future Outlook - Management expressed confidence in the company's positioning and prospects, anticipating accelerated growth in the latter half of the year [15][70] - The company expects organic revenue growth of 10% to 12% and adjusted earnings per share in the range of $10.1 to $10.3 for 2025 [69][72] Other Important Information - The company completed several strategic acquisitions, including Payfair, CCV Group, and Pinch Payments, to enhance its capabilities in embedded finance and payment solutions [17][18] - The company repurchased nearly 10 million shares for $2.2 billion, demonstrating confidence in its business outlook [68] Q&A Session Summary Question: Trends in the merchant business and Clover growth expectations - Management highlighted strong Clover revenue growth of 27% and anticipated further volume growth as new products and international expansions roll out [76][78] Question: Thoughts on the Global Payments FIS asset swap - Management emphasized Fiserv's unique position with Clover and its extensive partnership model, which differentiates it from competitors [86][88] Question: Headwinds in Clover volumes, particularly in Canada - Management indicated that the headwinds were primarily discretionary spending related to travel and were specific to Canada, with overall business balance remaining strong [96][98] Question: Contribution of new acquisitions to revenue growth - Management clarified that the impact of new acquisitions would be minimal in the short term, with significant contributions expected in late 2025 and beyond [108][109] Question: Market dynamics driving new financial institution partnerships - Management noted increasing interest from banks in serving small businesses, driven by the profitability of cash flow transactions and the capabilities offered by Fiserv [111][113]

Core Insights - Fiserv reported revenue of $4.79 billion for the quarter ended March 2025, reflecting a year-over-year increase of 5.4% [1] - The company's EPS was $2.14, up from $1.88 in the same quarter last year, surpassing the consensus estimate of $2.08 by 2.88% [1] - Revenue fell short of the Zacks Consensus Estimate of $4.86 billion, resulting in a surprise of -1.55% [1] Financial Performance Metrics - Adjusted Revenue from Merchant Solutions was $2.37 billion, below the average estimate of $2.47 billion [4] - Adjusted Revenue from Financial Solutions was $2.42 billion, slightly above the average estimate of $2.41 billion [4] - Revenue from Products reached $1.09 billion, exceeding the four-analyst average estimate of $960.12 million, marking a year-over-year increase of 22.9% [4] - Revenue from Corporate and Other was $341 million, slightly below the estimated $345.50 million [4] - Revenue from Processing and Services was $4.05 billion, below the average estimate of $4.27 billion, with a year-over-year change of 1.1% [4] - Operating income for Corporate and Other was -$563 million, worse than the average estimate of -$485.91 million [4] - Operating income for Financial Solutions was $1.15 billion, exceeding the estimate of $1.10 billion [4] - Operating income for Merchant Solutions was $810 million, slightly below the average estimate of $821.52 million [4] Stock Performance - Fiserv's shares returned -2.1% over the past month, compared to a -5.1% change in the Zacks S&P 500 composite [3] - The stock currently holds a Zacks Rank 3 (Hold), indicating potential performance in line with the broader market in the near term [3]

© 2025 Fiserv, Inc. or its affiliates 1 © 2025 Fiserv, Inc. or its affiliates. World's Most Admired Companie sTM 2025 Fortune ® Magazine 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 op ...

Core Insights - PayPal and Coinbase are expanding their partnership to enhance the adoption and utilization of PayPal USD (PYUSD) stablecoin, aiming to provide value across consumer, enterprise, and institutional sectors [1][2][3] Partnership Details - The collaboration will allow Coinbase users to access PYUSD directly, facilitating fee-free purchases and 1:1 redemption for US dollars on Coinbase platforms [9] - PayPal's extensive user base of over 430 million accounts presents a significant opportunity for global stablecoin adoption [3] PYUSD Overview - PayPal USD is issued by Paxos Trust Company and is fully backed by U.S. dollar deposits and U.S. Treasuries, with a fixed exchange rate of $1.00 per PYUSD [5] Future Innovations - Both companies are committed to exploring new payment use cases and innovations to accelerate the adoption of stablecoin solutions, particularly in commerce [9] - There is a focus on exploring decentralized finance (DeFi) applications for PYUSD and onchain platforms [9]

Core Insights - Pinwheel enables banks and credit unions to offer instant direct deposit switching during account onboarding, enhancing customer experience and activation rates [1][3] - The integration with Q2 Digital Banking Platform allows financial institutions to access a vast data network of payroll providers, covering up to 100% of US workers paid via direct deposit [1][5] - Research indicates that 40% of newly opened accounts remain inactive due to frustrations with the direct deposit switching process, highlighting the need for streamlined solutions [2] Company Overview - Pinwheel provides embedded 1-click deposit switching and bill management tools, leveraging a data network that includes 1,800 payroll platforms and over 1.5 million employers [5] - The company has raised $77 million from notable investors, indicating strong market confidence and potential for growth [5] - Q2 Holdings, Inc. is a leading provider of digital transformation solutions for financial services, enabling comprehensive digital engagement for various financial institutions [6]

Core Insights - Matador Technologies Inc. has engaged two strategic partners, Alpha Nine Ventures Ltd. and Outside The Box Capital, to enhance its investor relations, marketing, and business development initiatives [1] Group 1: Engagement with Alpha Nine Ventures - Matador has signed a contract with Alpha Nine Ventures, a Nevada-based consulting firm, for investor relations and capital markets advisory [2] - The engagement term is from March 17, 2025, to March 17, 2026, with a total compensation of USD$200,000 paid in advance [2] Group 2: Engagement with Outside The Box Capital - Matador has also partnered with Outside The Box Capital, a Toronto-based firm, to improve its marketing presence in Canada [3] - The engagement term is from March 15, 2025, to September 15, 2025, with a total compensation of CAD$150,000 paid in advance [3] Group 3: Company Vision and Strategy - The CEO of Matador Technologies expressed excitement about the partnerships, emphasizing their role in expanding visibility across key investor markets and effectively communicating the company's vision and growth strategy [4] - Matador Technologies leverages blockchain technology to digitize real-world assets, focusing on innovative financial solutions and aiming to democratize the gold buying experience through its digital gold platform [4]

NEW YORK, April 24, 2025 /PRNewswire/ -- As retirement planning grows more complex and advisory firms seek scalable, enterprise-wide solutions, OneDigital Financial Services has selected Broadridge Financial Solutions, Inc. (NYSE: BR) to enhance advisor efficiency and support its expanding retirement business. The partnership brings Broadridge's data aggregation, monitoring, reporting, and proprietary fund scoring capabilities to OneDigital's national platform. Through this implementation, OneDigital's advi ...

Core Viewpoint - PayPal has launched a new loyalty program that allows users to earn 3.7% annually on their PayPal USD (PYUSD) holdings, enhancing the utility of the stablecoin within its ecosystem [1][2]. Group 1: PYUSD Rewards Program - Users will earn 3.7% annually on their PYUSD holdings in PayPal or Venmo wallets, with rewards available for use in various transactions [1][2]. - The rewards can be used for payments at millions of merchants, peer-to-peer transfers, and international remittances without transaction fees [1][2]. - Users can opt in or out of the rewards program at any time and redeem their PYUSD holdings for USD easily [3]. Group 2: PYUSD Overview - PayPal USD (PYUSD) is issued by Paxos Trust Company and is fully backed by U.S. dollar deposits and similar cash equivalents [5]. - PYUSD can be bought or sold at a rate of $1.00 per PYUSD through PayPal and Venmo [5]. - The program is subject to terms and conditions that will be available upon launch, and the rewards rate is not guaranteed and may change at PayPal's discretion [4]. Group 3: Company Vision and Commitment - PayPal aims to leverage stablecoins to reshape the future of commerce and enhance payment systems globally [2]. - The company emphasizes its commitment to creating an innovative ecosystem for commerce, including cross-border transfers and various payment use cases [2]. - PayPal has been a leader in revolutionizing commerce for over 25 years, empowering users in approximately 200 markets [6].

Core Viewpoint - Usio, Inc. will release its first quarter 2025 financial results on May 14, 2025, after market close, and will host a conference call to discuss these results and provide a business update [1][2]. Financial Results Announcement - The financial results for the period ended March 31, 2025, will be announced after the market closes on May 14, 2025 [1]. - A conference call will take place on the same day at 4:30 p.m. Eastern time to review the financial results and provide a business update [2]. Conference Call Details - U.S. participants can join the conference call by calling 1-844-883-3890, while international callers should dial 1-412-317-9246 [3]. - The conference call will also be available via a live webcast on the company's website [3]. Replay Information - A replay of the conference call will be available approximately one hour after the call ends and can be accessed until May 28, 2025 [4]. - The replay can be accessed through the company's website or by dialing specific numbers for U.S. and international callers [4]. Company Overview - Usio, Inc. is a leading provider of integrated, cloud-based electronic payment and embedded financial solutions [5]. - The company offers a wide range of payment solutions, including credit, debit/prepaid, and ACH payment processing platforms [5]. - Usio specializes in tailored solutions for card issuance, payment acceptance, and bill payments, leveraging unique technology in the card issuing sector [5].

Prior to the call, Diebold Nixdorf will provide a press release summarizing business and financial results, and a presentation containing other highlights from the period. The press release and presentation will be accessible by visiting the Investor Relations section of Diebold Nixdorf's website located at http://www.dieboldnixdorf.com/earnings. Live access to the webcast of the conference call, as well as the replay, will also be available on this website. SOURCE Diebold Nixdorf, Incorporated Registration ...