Core Insights - Fiserv, Inc. (FI) is set to announce its third-quarter 2025 results on October 29, before market open, with a history of exceeding earnings estimates in the past four quarters, averaging a surprise of 2.2% [1] Revenue Expectations - The Zacks Consensus Estimate anticipates a 10.2% increase in revenues year-over-year, reaching $5.4 billion [2] - Merchant Solutions is expected to generate $3 billion in revenues, reflecting a 20% year-over-year growth, primarily driven by the Clover platform and the newly launched Commerce Hub plug-in [2] - Financial Solutions revenues are estimated at $2.6 billion, indicating a 6.3% increase from the previous year, supported by higher demand for real-time payments and increased transaction volumes in STAR and ACCEL debit networks [3] - Processing and Services revenues are projected at $4.7 billion, marking a 10% rise from the year-ago quarter, while Product segment revenues are expected to reach $1.2 billion, implying a 20.5% year-over-year surge [4] Earnings Per Share (EPS) Expectations - The consensus estimate for EPS is $2.66, suggesting a 15.7% increase compared to the same quarter last year [4] Earnings Prediction Model - The current model does not predict a definitive earnings beat for Fiserv, as it has an Earnings ESP of -0.61% and a Zacks Rank of 3 (Hold) [5]

Core Insights - Fiserv, Inc. (FI) reported mixed second-quarter 2025 results, showcasing strong segmental revenue performance and margins, but the earnings beat did not satisfy the market, leading to a 15.7% decline in shares since the results release on July 23 [1] Financial Performance - Adjusted earnings per share were $2.47, exceeding the consensus estimate by 2.5% and reflecting a 16% year-over-year increase [2] - Adjusted revenues reached $5.2 billion, slightly missing consensus estimates but showing an 8.6% year-over-year growth [2][7] Segment Performance - Processing and services revenues amounted to $4.3 billion, a 4% year-over-year increase, falling short of the estimated $4.5 billion [2] - The product segment generated revenues of $1.2 billion, up 25.3% from the same quarter last year, surpassing the estimate of $1.1 billion [2] - Merchant Solutions revenues were $2.6 billion, a 9.7% increase from the previous year, but below the estimate of $2.8 billion, driven by Clover growth and expansion into new markets [3] - Financial Solutions segment reported revenues of $2.6 billion, a 7.2% rise from the year-ago quarter, exceeding the estimate of $2.5 billion, supported by strong growth in Zelle transactions and increasing demand for real-time payments [4]