Fiserv (NASDAQ: FISV) reported fourth quarter 2025 financial results this morning, and while the company's chief financial officer, Paul Todd, stated that the company's "fourth quarter results and 2026 guidance are in line with what we outlined in October," investors are, nonetheless, celebrating the performance -- one that exceeded analysts' expectations. As of 1:56 p.m. ET, shares of the financial technology company are up 5%. Where to invest $1,000 right now? Our analyst team just revealed what they bel ...

Core Insights - Fiserv is focusing on artificial intelligence to enhance its relevance with banks and merchants while managing costs [1][2] - The company is undergoing a strategic review to address an earnings slump, which includes simplifying its business operations [1] Earnings Performance - For Q4, Fiserv reported adjusted earnings per share (EPS) of $1.99, a decrease of 21% from Q4 2024, while full-year EPS for 2025 was $8.64, down 2% from 2024 [3] - Adjusted revenue for Q4 was $4.90 billion, unchanged from the previous year, and full-year adjusted revenue was $19.80 billion, reflecting a 4% increase from 2024 [3] Future Projections - Fiserv anticipates organic revenue growth of 1% to 3% for 2026, with projected EPS ranging from $8.00 to $8.30 [4] - The company's performance is expected to be below expectations in the first half of 2026, with improvements anticipated later in the year [6] Strategic Changes - Following a significant earnings miss in Q3, Fiserv initiated a restructuring plan called One Fiserv, which included leadership changes [5] - The company is particularly focused on developing agentic AI tools for small to mid-sized businesses, addressing the challenges these organizations face in adopting new technologies [2][7]

The company reported adjusted quarterly revenue of $4.90 billion, missing the analyst consensus estimate of $4.96 billion. • Fiserv shares are powering higher. Why is FISV stock up today?Adjusted revenue remained flat year-over-year.  The quarterly GAAP revenue rose 1% Y/Y to $5.28 billion.The financial technology and services provider's adjusted EPS of $1.99 beat the analyst consensus estimate of $1.90. The quarterly adjusted EPS decreased by 21% over the same period last year. Growth was 2% in the Merchan ...

Core Insights - Fiserv, Inc. (FISV) reported mixed fourth-quarter 2025 results, with earnings exceeding expectations while revenues fell short [1] Financial Performance - Adjusted earnings per share were $1.99, surpassing the Zacks Consensus Estimate by 4.7%, but down 20.7% year over year [1] - Adjusted revenues totaled $4.9 billion, missing the consensus estimate by 1% and declining 6.7% year over year [1] - Processing and services revenues were $4.3 billion, slightly down year over year but meeting the consensus estimate [3] - Product segment revenues reached $1 billion, up 3.6% from the previous year and beating the consensus estimate of $999.6 million [3] - Merchant solutions generated $2.5 billion in adjusted revenues, a 1.5% year-over-year increase, but missed the consensus mark of $2.6 billion [4] - Financial solutions segment reported adjusted revenues of $2.4 billion, a 1.6% decrease year over year, but met the Zacks Consensus Estimate [5] - Operating income was $816 million, down 1.6% year over year, missing the consensus estimate of $833.9 million [4] Balance Sheet & Cash Flow - Fiserv ended the fourth quarter with cash and cash equivalents of $798 million, down from $1.1 billion in the third quarter [6] - Long-term debt decreased to $27.8 billion from $28.9 billion in the previous quarter [6] - The company generated $1.9 billion in net cash from operating activities and reported free cash flow of $1.6 billion, with capital expenditure at $442 million [6] 2026 Guidance - For 2026, management anticipates organic revenue growth of 1-3% and expects EPS in the range of $8-$8.3, with the midpoint of $8.15 exceeding the consensus mark of $8.12 [7]

Core Insights - Pagaya Technologies reported quarterly earnings of 80 cents per share, exceeding the analyst consensus estimate of 69 cents per share [1] - The company reported quarterly sales of $321.036 million, which fell short of the analyst consensus estimate of $349.048 million [1] - For the first quarter, Pagaya expects sales between $315 million and $335 million, compared to market estimates of $346.734 million [1] Financial Performance - The fourth quarter and full-year results highlight the company's focus on long-term growth and profitability, benefiting from prior investments [2] - CEO Gal Krubiner emphasized the company's strategy to bridge the gap between Main Street and Wall Street [2] Stock Performance - Pagaya Technologies shares increased by 1% to $14.34 following the earnings announcement [3] - Analysts adjusted their price targets for Pagaya Technologies after the earnings report [3] Analyst Ratings - Canaccord Genuity analyst Joseph Vafi maintained a Buy rating on Pagaya Technologies but reduced the price target from $39 to $32 [4] - Benchmark analyst Mark Palmer also maintained a Buy rating while lowering the price target from $48 to $33 [4]

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🚨BREAKING: MULTI-TRILLION-DOLLAR PAYROLL INDUSTRY GOES ONCHAIN VIA CANTONAccording to an official press release from @CantonNetwork $CC, the network has played host to the first ever private payroll transaction.The major milestone was facilitated by @cantor8 and its @C8Wallet, alongside @usetoku (an enterprise-grade application layer for global payroll)."This is the kind of real, everyday financial activity that shows blockchain can be integrated into core operational workflows without exposing sensitive da ...

Core Viewpoint - Alkami Technology, Inc. is set to announce its financial results for the fourth quarter of 2025 on February 25, 2026, after market close, indicating ongoing transparency and engagement with investors [1]. Group 1: Financial Results Announcement - Alkami will report its fourth quarter financial results for the period ending December 31, 2025 [1]. - A conference call is scheduled for 5:00 p.m. ET on the same day to discuss these results with investors [1]. - The event will be accessible via a live webcast on the Alkami investor relations website, with dial-in options available for both domestic and international participants [1]. Group 2: Company Overview - Alkami provides a digital sales and service platform tailored for U.S. banks and credit unions, integrating various solutions such as onboarding, digital banking, and marketing [1]. - The platform is designed to help financial institutions onboard, engage, and grow customer relationships, aligning with the trend towards Anticipatory Banking [1].

Core Viewpoint - Addentax Group Corp. has entered into a memorandum of understanding for a potential strategic investment of US$200 million with Middle Eastern royal-backed institutional investors to support its AI and cryptocurrency initiatives [1] Group 1: Investment Details - The investment is structured as two separate MOUs, each investor intending to invest up to US$100 million by acquiring newly issued shares at a fixed price of US$1.50 per share [1] - The company and investors aim to negotiate definitive agreements within six months, which will include a share subscription agreement and related corporate approvals [1] Group 2: Strategic Collaboration - Discussions are ongoing regarding a potential strategic collaboration to advance the company's initiatives in AI and cryptocurrency financial services [1] - The collaboration aims to leverage Addentax's technological expertise and market presence, particularly in Hong Kong, alongside the investors' industry resources and regulatory insights [1] Group 3: Growth Potential - If the investment is finalized, it is expected to strengthen Addentax's balance sheet and provide capital for scaling AI-driven financial technology platforms and expanding compliant cryptocurrency services [1] - The proposed investment reflects the investors' interest in Addentax's business model and long-term growth strategy [1]

Core Insights - Nasdaq has launched the Nasdaq Private Capital™ Indexes, a new suite of benchmarks aimed at enhancing transparency and robustness in private markets [2][3] - The indexes are designed to assist institutional investors and consultants in benchmarking performance and navigating private capital markets effectively [2][4] Group 1: Product Features - The Nasdaq Private Capital™ Indexes are constructed from over 14,000 institutional private market funds, representing more than $11.4 trillion in global assets under management (AUM) [4] - The indexes utilize a documented, rules-based methodology that includes Modified Dietz quarterly performance measurement and NAV-weighted aggregation [4][5] - The suite covers various private capital strategies, including private equity, buyout, venture capital, private debt, fund of funds, and real estate [4] Group 2: Market Context - The private markets are experiencing rapid growth and increasing complexity, yet they remain fragmented with inconsistent benchmarks and limited interoperability [4][6] - As allocations to private markets increase, there is a growing demand for greater transparency and stronger operational infrastructure from institutions [6] Group 3: Delivery and Integration - The Nasdaq Private Capital™ Indexes will be delivered through Nasdaq eVestment TopQ+, Nasdaq Global Index Watch (GIW), and other data licensing channels [5] - The indexes aim to provide objective, rules-based benchmarks that enhance risk and return reporting capabilities and facilitate data management and system integration [5]