Financial Data and Key Metrics Changes - Total company Q4 adjusted revenue was $4.9 billion, flat year-over-year, with adjusted operating income of $1.7 billion, resulting in an adjusted operating margin of 34.9% [20] - Full year total company adjusted revenue reached $19.8 billion, up 4%, with adjusted operating income of $7.4 billion, resulting in an adjusted operating margin of 37.4%, a decrease of 200 basis points [20] - Total company organic revenue was roughly flat, down approximately 40 basis points in Q4, resulting in annual organic revenue growth of 3.8% [20] Business Line Data and Key Metrics Changes - Merchant Solutions grew 6% organically for the year, while Financial Solutions grew 2% [21] - Q4 Merchant Solutions organic revenue growth was 1%, while adjusted revenue grew 2% [22] - Clover revenue grew 12% in Q4, with Clover volume growth of 6% on a reported basis and 9% excluding gateway conversion [23] - Financial Solutions saw both organic and adjusted revenue decline by 2% in Q4 [26] Market Data and Key Metrics Changes - Clover Capital grew 30% in 2025 in North America, with significant upside potential [10] - Internationally, the launch in Brazil was highly successful, with results tracking ahead of plan [10] - Canada experienced strong growth in 2025, expected to accelerate with a new strategic relationship with TD [10] Company Strategy and Development Direction - The company is focused on a client-first mindset, building a preeminent small business operating platform through Clover, and delivering operational excellence enabled by AI [5] - The One Fiserv plan is central to the company's strategy, integrating various business lines and enhancing client service [4] - The company is committed to disciplined capital allocation and evaluating businesses to align with its go-forward strategy [17] Management's Comments on Operating Environment and Future Outlook - Management expressed optimism about the multi-quarter path towards delivering strong, sustainable operating performance [3] - The company anticipates that headline results will remain below expectations for the first half of 2026 due to investments and a higher mix of non-recurring revenue [4] - Management is confident in the strategy and ability to execute, emphasizing the unique position in the financial ecosystem [18] Other Important Information - The company repurchased 3 million shares during the quarter for approximately $200 million and paid down over $1 billion in debt [28] - Project Elevate incurred $73 million of expenses related to the program in Q4, with ongoing one-time costs expected in 2026 [28] Q&A Session Summary Question: Confidence in business review and future numbers - Management feels confident about the progress made and believes the conclusions from the analysis are fully reflected in the Q4 results and 2026 guidance [35] Question: Digital payments pricing actions - Management noted no new developments in Q4 related to pricing actions, but expressed satisfaction with the sequential improvement in digital payments and network volumes [41] Question: Expenses related to One Fiserv - Management indicated that expenses related to One Fiserv are largely baked in, with no material ramp-up expected, and highlighted the focus on process efficiencies moving forward [46] Question: SMB performance expectations - Management expects slight growth in non-Clover SMB for next year, with Argentina no longer a growth factor [52] Question: Clover yield outlook - Management is optimistic about yield growth driven by value-added services and vertical expansions, with expectations for long-term revenue growth [56]

The Goldman Sachs Group (NYSE:GS) 2026 Conference February 10, 2026 08:00 AM ET Company ParticipantsDavid Solomon - Chairman and CEOModeratorMaybe let's start at the top in terms of your strategic priorities. You've continued to make significant progress against them. You laid out some of your plans in the recent strategic update. Of course, as everybody in the room knows, the stock has meaningfully outperformed many of your peers. Maybe let's talk about some of the most significant changes over both the lo ...

Vox Royalty Releases Annual Investor Letter ELEMENT--[Back to the Newsroom]# Vox Royalty Releases Annual Investor LetterDENVER, CO / [ACCESS Newswire]/ February 10, 2026 / Vox Royalty Corp. ([NASDAQ:VOXR])([TSX:VOXR]) ("Vox" or the "Company"), a returns focused mining royalty and streaming company, is pleased to announce the release of its annual investor letter. The letter can be found on the Vox website at [https://irp.cdn-website.com/f6695bc1/files/uploaded/Vox+2025+Shareholder+Letter_10+February+2026.pd ...

February 10, 2026 Capital Markets Day International Petroleum Corp. 2026 International Petroleum Corp. Agenda Capital Markets Day February 10, 2026 | 1 | Introduction | William Lundin | | --- | --- | --- | | 2 | 2026 Outlook | Nicki Duncan | | 3 | Asset Overview | Chris Hogue and Nicki Duncan | | 4 | Financial Overview | Christophe Nerguararian | | 5 | Reserves Valuation | Rebecca Gordon | | 6 | Conclusion | William Lundin | NC00409 Intro p02 02.26 IPC CMD 2026 2 Presenting today Nicki Duncan COO Chris Hogu ...

AECOM (NYSE:ACM) Q1 2026 Earnings call February 10, 2026 08:00 AM ET Speaker8Thank you for standing by. My name is JL, and I will be your conference operator today. At this time, I would like to welcome everyone to the AECOM First Quarter 2026 Earnings Conference Call. All lines have been placed on mute to prevent any background noise. After the speaker's remarks, there will be a question-and-answer session. If you would like to ask a question during this time, simply press Star followed by the number 1 on ...

Madrid, Spain and Tel Aviv, Israel, February 10, 2026 (GLOBE NEWSWIRE) – Codere Online Luxembourg, S.A. (Nasdaq: CDRO / CDROW) (the “Company” or “Codere Online”) a leading online gaming operator in Spain and Latin America, today announced that it will release its fourth quarter 2025 results prior to 8:30AM US Eastern Time on February 26, 2026. At 8:30AM US Eastern Time on the same day, Codere Online’s management will host a conference call to discuss the results and provide a business update. The Company’s ...

Q4 2025 FINANCIAL RESULTS FEBRUARY 9, 2026 FORWARD LOOKING STATEMENTS & 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. All statements contained in this presentation that do not relate to matters of historical fact should be considered forward- looking statements, including without limitation, statements regarding our forecasted financial results and the effective tax rate ...

. FY 2025 RESULTS MARANELLO, FEBRUARY 10, 2026 STRONG PERFORMANCE IN 2025 SETS THE FOUNDATION FOR CONTINUED GROWTH IN 2026 Revenues at ~€7.1B, EBIT(1) at ~€2.1B with +12% growth YoY and industrial free cash flow(1) generation above €1.5B Further enrichment of product line-up with 6 new models, among which the initial steps of reveal of the Ferrari Luce FORWARD LOOKING STATEMENT This document, and in particular the section entitled "2026 Guidance", contain forward-looking statements. These statements may inc ...

2025 Fourth Quarter Results and Earnings February 10, 2026 Forward-looking and other statements in this presentation regarding our environmental and other sustainability efforts, plans and goals are not an indication that these statements are necessarily material to investors, to our business, operating results, financial condition, outlook, or strategy, to our impacts on sustainability matters or other parties, or are required to be disclosed in our filings with the SEC or other regulatory authorities, and ...

Sanofi completes the acquisition of Dynavax Paris, February 10, 2026. Sanofi today announced that it has completed the acquisition of Dynavax Technologies Corporation (Dynavax). The acquisition includes Dynavax’s adult hepatitis B vaccine HEPLISAV-B, which is currently marketed in the US and is differentiated by its two-dose regimen over one month. It also includes Dynavax’s shingles vaccine candidate (Z-1018), which is currently in phase 1/2 studies, and additional vaccine pipeline projects. This acquisit ...