OakChart

Fiserv Inc

FISVTechnology·Information Technology Services·USA·Large·NASD·Nov 11 • 3:35 PM ET

63.85+0.53 (0.84%)
2026-11-11 21:36 CET
Market cap
33,689.28 USD m
Revenue, TTM
20,799.00 USD m
Net income, TTM
-3,932.00 USD m
Free cash flow, TTM
3,206.00 USD m
EPS diluted, TTM
-7.42
P/E
-
Compare

Price

FISV against its 20, 50 and 200-day averages
2050200miss
50.0060.0070.0080.0013.5M26.9MVolumeMay 26Jun 26Jul 26Aug 26Sep 26Oct 26Nov 26FISVclose 63.8520-day 53.5250-day 49.99200-day 54.4963.8552w high52w low

9.3% under the 52-week high of 70.41 on 8 Jan 2026. 52-week low 43.87 on 2 Oct 2026. Last 15 sessions, 36.3% high to low

Volume 0.70× normal · the line is the 50-bar volume average

Profile

FISV
52-week range, 75% of the way up
43.8770.41

Fiserv, Inc. engages in the provision of financial services technology. It operates through the Merchant and Financial segments. The Merchant segment offers commerce-enabling products and services including merchant acquiring and digital commerce and mobile payment services, and security and fraud protection, stored-value, and pay-by-bank solutions to companies of all sizes. The Financial segment provides products and services such as processing of customer loan and deposit accounts, digital payments, and card transactions to financial institutions and corporate and public sector clients. The company was founded by Leslie M. Muma and George D. Dalton on July 31, 1984 and is headquartered in Milwaukee, WI.

IndexS&P 500, RUI
Employees38000
IPOSep 25, 1986
Beta0.80
ATR, 14d2.01
Rel volume0.70
Short float4.57%
Insider own0.44%
Inst own91.49%

Snapshot

6 groups

Valuation

IndexS&P 500, RUI
Market Cap33.97B
Enterprise Value60.63B
Income-3.93B
Sales20.80B
Book/sh39.66
Cash/sh1.02
Dividend Est.-
Dividend TTM-
Dividend Ex-Date-
Dividend Gr. 3/5Y- -
Payout0.00%
Employees38000
IPOSep 25, 1986

Ratios

P/E-
Forward P/E8.04
PEG6.23
P/S1.63
P/B1.61
P/C62.33
P/FCF10.60
EV/EBITDA8.30
EV/Sales2.91
Quick Ratio1.04
Current Ratio1.04
Debt/Eq1.29
LT Debt/Eq1.23
Option/ShortYes / Yes

Earnings

EPS (ttm)-7.42
EPS next Y7.94
EPS next Q1.90
EPS this Y-15.68%
EPS next Y9.04%
EPS next 5Y1.29%
EPS past 3/5Y17.53% 35.23%
Sales past 3/5Y6.11% 7.37%
EPS Y/Y TTM-213.86%
Sales Y/Y TTM-1.71%
EPS Q/Q-864.23%
Sales Q/Q-1.27%
EarningsNov 03 BMO
EPS/Sales Surpr.1.75% 0.10%

Ownership

Insider Own0.44%
Insider Trans1.95%
Inst Own91.49%
Inst Trans0.81%
ROA-5.18%
ROE-17.03%
ROIC-8.39%
Gross Margin54.94%
Oper. Margin19.36%
Profit Margin-18.90%
SMA2019.30%
SMA5027.72%
SMA20017.17%
Trades-

Technical

Shs Outstand531.00M
Shs Float529.71M
Short Float4.57%
Short Ratio3.45
Short Interest24.19M
52W High70.41 -9.32%
52W Low43.87 45.54%
Volatility3.47% 3.26%
ATR (14)2.01
RSI (14)82.59
Beta0.80
Rel Volume0.70
Avg Volume7.00M
Volume4,581,470

Performance

Perf Week2.90%
Perf Month36.84%
Perf Quarter15.05%
Perf Half Y21.92%
Perf YTD-4.94%
Perf Year-0.64%
Perf 3Y-47.45%
Perf 5Y-36.10%
Perf 10Y27.01%
Recom2.80
Target Price62.15
Prev Close63.32
Price63.85
Change %0.84%

Analyst ratings

latest 10 of 20
DateActionAnalystRating changeTargetImplied
Nov 04, 2026UpgradeAArgusHold → Buy$72+12.8%
Oct 15, 2026ResumedBBofA SecuritiesUnderperform$48-24.8%
Oct 08, 2026DowngradeOOppenheimerOutperform → Perform
Jul 08, 2026InitiatedBBarclaysEqual Weight$58-9.2%
Jun 05, 2026DowngradeBBNP Paribas ExaneNeutral → Underperform$46-28.0%
Apr 22, 2026InitiatedBBMO Capital MarketsMarket Perform$65+1.8%
Mar 31, 2026InitiatedLLoop CapitalHold$62-2.9%
Mar 26, 2026DowngradeRRaymond JamesOutperform → Mkt Perform
Feb 02, 2026DowngradeNNorthcoastBuy → Neutral
Jan 27, 2026InitiatedCCantor FitzgeraldNeutral$70+9.6%

Peers

Mkt cap
TickerCompanyMkt cap
FISFidelity National Information Services Inc15.56B
GPNGlobal Payments Inc26.55B
JKHYJack Henry & Associates Inc12.26B
XYZBlock Inc52.08B
TOSTToast Inc19.90B
FOURShift4 Payments Inc3.29B
ACIWACI Worldwide Inc6.20B
PYPLPayPal Holdings Inc49.25B
QTWOQ2 Holdings Inc4.61B
VVisa Inc788.50B

Insider trading

9 filings
InsiderRelationshipDateTransactionCostSharesValueTotal heldForm
FRITZ LANCE MDirectorAug 07 '26Buy51.9510,000519,50027,207Aug 11 04:15 PM
Todd Paul MChief Financial OfficerJun 17 '26Buy49.7010,060499,982184,107Jun 18 04:06 PM
Mamilli WafaaDirectorJun 17 '26Buy50.592,960149,74615,386Jun 17 04:03 PM
Rosman Adam L.Chief Admin. and Legal OfficerJun 16 '26Buy49.3310,150500,700136,724Jun 16 04:11 PM
Yarkoni CharlotteDirectorJun 16 '26Buy49.492,023100,11810,146Jun 16 04:10 PM
DiSimone HarryDirectorJun 16 '26Buy48.412,088101,08023,607Jun 16 04:09 PM
Nixon Gordon M.DirectorJun 16 '26Buy49.577,500371,77517,656Jun 16 04:08 PM
Rosman Adam L.Chief Admin. and Legal OfficerDec 02 '25Buy63.197,900499,20161,285Dec 02 05:59 PM
Todd Paul MChief Financial OfficerDec 01 '25Buy62.4117,0001,060,97024,453Dec 02 05:58 PM

Held by

AUM
TickerCompanyAUM
VTIVanguard Morningstar Total Stock Market ETFAUM: 687.42B
VOOVanguard S&P 500 ETFAUM: 1054.75B
VOVanguard Morningstar Mid-Cap ETFAUM: 107.07B
IVViShares Core S&P 500 ETFAUM: 871.38B
SPYSPDR S&P 500 ETF TrustAUM: 793.23B
RSPInvesco S&P 500 Equal Weight ETFAUM: 104.94B
XLFState Street Financial Select Sector SPDR ETFAUM: 54.05B
VTVVanguard Morningstar Value ETFAUM: 196.23B
IWRiShares Russell Mid-Cap ETFAUM: 58.68B
VOEVanguard Morningstar Mid-Cap Value ETFAUM: 24.66B

News

latest 14 of 100

Quarterly earnings

actual against estimate
PeriodReportedEPS actEPS estEPS repSales actSales estAnalysts
2026Q32026-11-031.7501.720-11.1704,8524,84733
2026Q22026-08-061.8401.9101.1754,9635,03932
2026Q12026-05-051.7901.5741.0674,6754,72731
2025Q42026-02-101.9901.9001.5104,9004,90331
2025Q32025-10-292.0402.6441.4624,9195,34629
2025Q22025-07-232.4702.4351.8565,1965,19428
2025Q12025-04-242.1402.0751.5074,7894,83331
2024Q42025-02-052.5102.4851.6424,9024,95131
2024Q32024-10-222.3002.2610.9784,8844,90431
2024Q22024-07-242.1292.1011.5274,7944,81231
2024Q12024-04-231.8801.7891.2364,5434,56630
2023Q42024-02-062.1902.1531.4444,6404,67130
2023Q32023-10-241.9601.9271.5604,6154,58330
2023Q22023-07-261.8101.7951.1034,5064,54329
2023Q12023-04-251.5801.5690.8924,2804,17627
2022Q42023-02-071.9101.9081.2254,3604,34730

Annual earnings

PeriodEPS actEPS estEPS repSales actSales est
2019FY4.0004.0001.70914,44514,532
2020FY4.4204.4081.40213,90814,020
2021FY5.5805.5691.98615,39315,402
2022FY6.4906.4913.90516,77316,767
2023FY7.5207.4914.98118,04118,047
2024FY8.8008.7775.37919,12319,173
2025FY8.6408.5596.34019,80419,805
2026FY-7.285--19,524
2027FY-7.944--20,173
2028FY-8.979--20,884
2029FY-10.909--21,600
2030FY-13.550--22,190

Estimate revisions

last 14 periods
PeriodTypeDateEstimatesUpDownMeanLowHigh
2026Q4S2026-11-1025365,0434,9575,110
2026Q4S2026-11-0925365,0434,9575,110
2026Q4S2026-11-0725365,0434,9575,110
2026Q4S2026-11-0625465,0434,9575,110
2026Q4S2026-11-0525465,0454,9575,110
2026Q4S2026-11-0425465,0454,9575,110
2026Q4S2026-11-0325465,0454,9575,110
2026Q4S2026-11-0125015,0554,9325,161
2026Q4S2026-10-3025025,0554,9325,161
2026Q4S2026-10-2825025,0554,9325,161
2026Q4S2026-10-2625035,0554,9325,161
2026Q4S2026-10-2425035,0554,9325,161
2026Q4S2026-10-2325045,0554,9325,161
2026Q4S2026-10-2225045,0564,9325,161

Estimate history

EPS, annual2.892.8691.7091.4021.9863.9054.9815.3796.339-7.4199
Period201720182019202020212022202320242025TTM
EPS, quarterly0.9781.6421.5071.8561.4621.511.0671.175-11.172
PeriodQ3 '24Q4 '24Q1 '25Q2 '25Q3 '25Q4 '25Q1 '26Q2 '26Q3 '26
Sales, annual569658231018714852162261773719093204562119320799
Period201720182019202020212022202320242025TTM
Sales, quarterly521552515130551652635284502752925196
PeriodQ3 '24Q4 '24Q1 '25Q2 '25Q3 '25Q4 '25Q1 '26Q2 '26Q3 '26
Shares, annual415.2392.5679.9669.1650630594564534531
Period201720182019202020212022202320242025MRQ
Shares, quarterly570564556544537534533531531
PeriodQ3 '24Q4 '24Q1 '25Q2 '25Q3 '25Q4 '25Q1 '26Q2 '26Q3 '26

Income statement, annual

Currency USD, millions
MetricTTM2025FY2024FY2023FY2022FY2021FY2020FY2019FY2018FY
Total Revenue20,799.0021,193.0020,456.0019,093.0017,737.0016,226.0014,852.0010,187.005,823.00
Cost of Goods Sold Incl. D&A9,371.008,605.008,016.007,666.007,990.008,136.007,819.005,262.003,176.00
Gross Profit11,428.0012,588.0012,440.0011,427.009,747.008,090.007,033.004,925.002,647.00
Selling, General and Administrative Excl. Other7,402.006,883.006,564.006,576.005,858.005,582.005,101.003,109.001,122.00
Other Operating Expense0.000.000.000.000.000.000.000.00-
Operating Income4,026.005,705.005,876.004,851.003,889.002,508.001,932.001,816.001,525.00
Interest Expense1,462.001,518.001,224.00989.00727.00680.00700.00497.00189.00
Unusual Expense6,282.000.000.000.00201.00216.00545.00270.0014.00
Net Income Before Taxes-3,472.004,264.004,506.003,898.002,913.001,666.001,171.001,083.001,555.00
Income Taxes519.00811.00641.00754.00551.00363.00196.00198.00378.00
Consolidated Net Income-3,923.003,490.003,180.003,129.002,582.001,403.00975.00914.001,187.00
Net Income From Continuing Operations-3,932.003,480.003,131.003,068.002,530.001,334.00958.00893.001,187.00
Net Income-3,932.003,480.003,131.003,068.002,530.001,334.00958.00893.001,187.00
EPS (Recurring)0.886.345.384.984.122.211.962.072.89
EPS (Basic, Before Extraordinaries)-7.416.365.415.023.942.011.431.742.93
EPS (Diluted)-7.426.345.384.983.901.991.401.712.87
EBITDA7,307.008,866.008,971.007,777.006,885.005,554.005,024.003,362.002,081.00
Non-Operating Income (Expense)246.0077.00-146.0036.00-48.0054.00484.0034.00233.00
Other After Tax Adjustments0.000.000.000.000.000.000.000.000.00
Stock Option Compensation Expense316.00282.03289.93270.18255.17174.47269.37167.1760.00
Price To Earnings Ratio--39.6327.7931.7452.2281.4263.9225.70
Price To Sales Ratio1.161.745.854.293.694.305.245.935.22
Gross Margin54.9459.4060.8159.8554.9549.8647.3548.3545.46
Operating Margin19.3626.9228.7325.4121.9315.4613.0117.8326.19
Net Margin-18.9016.4215.3116.0714.268.226.458.7720.38
Shares Outstanding531.00534.00564.00594.00630.00650.00669.10679.90392.50
Market Capitalization33,689.2833,689.28116,867.3479,728.7164,182.2868,525.4876,336.0778,616.2629,283.63

Income statement, quarterly

Currency USD, millions
Metric2026Q32026Q22026Q12025Q42025Q32025Q22025Q12024Q4
Total Revenue5,196.005,292.005,027.005,284.005,263.005,516.005,130.005,251.00
Cost of Goods Sold Incl. D&A2,432.002,370.002,304.002,265.002,163.002,106.002,071.002,019.00
Gross Profit2,764.002,922.002,723.003,019.003,100.003,410.003,059.003,232.00
Selling, General and Administrative Excl. Other1,901.001,888.001,885.001,728.001,762.001,711.001,682.001,564.00
Other Operating Expense0.000.000.000.000.000.000.000.00
Operating Income863.001,034.00838.001,291.001,338.001,699.001,377.001,668.00
Interest Expense344.00376.00361.00381.00432.00376.00336.00323.00
Unusual Expense6,429.00-151.004.000.000.000.000.000.00
Net Income Before Taxes-5,802.00775.00593.00962.00964.001,292.001,046.001,184.00
Income Taxes137.00156.0024.00202.00173.00246.00190.00193.00
Consolidated Net Income-5,939.00630.00573.00813.00799.001,030.00848.00948.00
Net Income From Continuing Operations-5,941.00627.00571.00811.00792.001,026.00851.00938.00
Net Income-5,941.00627.00571.00811.00792.001,026.00851.00938.00
EPS (Recurring)-2.710.981.071.511.461.861.511.64
EPS (Basic, Before Extraordinaries)-11.171.181.071.521.471.861.521.66
EPS (Diluted)-11.171.171.071.511.461.861.511.64
EBITDA1,705.001,851.001,657.002,094.002,087.002,541.002,145.002,426.00
Non-Operating Income (Expense)108.00-34.00120.0052.0058.00-31.005.00-161.00
Other After Tax Adjustments0.000.000.000.000.000.000.000.00
Stock Option Compensation Expense86.9092.4393.2243.4568.7371.8997.9674.26
Price To Earnings Ratio-8.328.8110.3921.5530.5041.0339.63
Price To Sales Ratio1.161.251.421.703.304.516.025.74
Gross Margin53.1955.2254.1757.1358.9061.8259.6361.55
Operating Margin16.6119.5416.6724.4325.4230.8026.8431.77
Net Margin-114.3411.8511.3615.3515.0518.6016.5917.86
Shares Outstanding531.00531.00533.00534.00537.00544.00556.00564.00
Market Capitalization33,689.2826,156.1129,840.6136,127.5270,085.4595,589.97123,949.45116,867.34

Balance sheet, annual

Currency USD, millions
Metric2025FY2024FY2023FY2022FY2021FY2020FY2019FY2018FY2017FY
Cash & Short Term Investments798.001,236.001,204.00902.00835.00906.00893.00415.00325.00
Short Term Receivables4,129.003,725.003,582.003,585.002,860.002,482.002,782.001,049.00997.00
Inventories0.000.000.000.000.000.000.000.000.00
Other Current Assets19,727.0018,516.0030,025.0023,057.0015,175.0012,831.0013,371.00760.00653.00
Total Current Assets24,654.0023,477.0034,811.0027,544.0018,870.0016,219.0017,046.002,224.001,975.00
Net Property, Plant & Equipment3,673.002,969.002,789.002,544.002,317.002,132.002,290.00398.00390.00
Total Investments and Advances1,198.001,763.002,424.002,545.002,683.002,929.002,927.000.000.00
Long-Term Note Receivable885.00832.00754.00551.00541.00433.00382.00--
Intangible Assets47,864.0046,524.0048,415.0049,226.0050,442.0051,680.0053,680.007,845.007,472.00
Deferred Tax Assets109.0076.0080.0056.0042.0028.00112.0020.0023.00
Other Assets1,750.001,535.001,617.001,403.001,354.001,198.001,102.00775.00429.00
Total Assets80,133.0077,176.0090,890.0083,869.0076,249.0074,619.0077,539.0011,262.0010,289.00
Short Term Debt Incl. Current Port. of LT Debt1,365.001,226.00873.00592.00630.00509.00427.004.003.00
Accounts Payable797.00511.00449.00652.00593.00437.00392.00127.0080.00
Income Tax Payable368.00261.00203.00432.00154.00130.00137.00--
Other Current Liabilities21,360.0020,159.0032,027.0024,782.0016,918.0014,561.0014,771.001,879.001,855.00
Total Current Liabilities23,890.0022,157.0033,552.0026,458.0018,295.0015,637.0015,727.002,010.001,938.00
Long Term Debt28,395.0024,384.0023,028.0021,578.0021,344.0020,771.0022,215.005,955.004,897.00
Provision for Risks Charges0.000.000.000.000.000.000.000.000.00
Deferred Tax Liabilities1,478.002,477.003,078.003,602.004,172.004,389.004,247.00745.00552.00
Other Liabilities561.00472.00563.00543.00488.00493.00493.00259.00171.00
Total Liabilities54,324.0049,490.0060,221.0052,181.0044,299.0041,290.0042,682.008,969.007,558.00
Non-Equity Reserves0.000.000.000.000.000.000.000.000.00
Preferred Stock - Carrying Value0.000.000.000.000.000.000.000.000.00
Common Equity25,792.0027,068.0029,857.0030,828.0030,952.0032,330.0032,979.002,293.002,731.00
Total Shareholders Equity25,792.0027,068.0029,857.0030,828.0030,952.0032,330.0032,979.002,293.002,731.00
Accumulated Minority Interest17.00618.00812.00860.00998.00999.001,878.000.000.00
Total Equity25,809.0027,686.0030,669.0031,688.0031,950.0033,329.0034,857.002,293.002,731.00
Total Liabilities & Stockholders Equity80,133.0077,176.0090,890.0083,869.0076,249.0074,619.0077,539.0011,262.0010,289.00
Book Value Per Share48.3047.9950.2648.9347.6248.3248.515.846.58
Tangible Book Value Per Share-41.33-34.50-31.24-29.20-29.98-28.92-30.45-14.15-11.42
Full-Time Employees38,00038,00042,00041,00044,00044,00044,00024,00024,000
Price to Book Ratio1.604.222.702.122.182.362.3812.5811.65
Return on Assets4.423.733.513.161.771.262.0111.0212.30
Return on Equity13.1711.0010.118.194.222.935.0647.2546.74
Return on Invested Capital6.426.095.804.832.551.801.6214.3916.33
Quick Ratio1.031.061.041.041.031.041.081.111.02
Current Ratio1.031.061.041.041.031.041.081.111.02

Cash flow, annual

Currency USD, millions
MetricTTM2025FY2024FY2023FY2022FY2021FY2020FY2019FY2018FY
Net Income-3,923.003,490.003,180.003,129.002,582.001,403.00975.00914.001,187.00
Depreciation3,321.003,161.002,889.002,926.003,169.003,196.003,092.001,546.00556.00
Other Funds (Non Cash)6,611.00404.001,622.00666.00307.00307.00329.00365.00-155.00
Funds from Operations5,344.006,113.007,029.006,210.005,500.004,644.004,467.002,872.001,721.00
Extraordinary Item0.000.000.000.000.000.000.000.000.00
Changes in Working Capital-258.00-9.00-338.00-912.00-744.00-495.00-211.0036.00-169.00
Cash from Operating Activities5,086.006,104.006,691.005,298.004,756.004,149.004,256.002,908.001,552.00
Capital Expenditures-1,880.00-1,763.00-1,569.00-1,388.00-1,479.00-1,160.00-900.00-721.00-360.00
Net Assets From Acquisitions-451.00-1,256.000.00-69.00-988.00-848.00-139.00-16,005.00-712.00
Sale of Fixed Assets and Businesses364.000.000.00234.00246.000.00579.0051.00419.00
Purchase or Sale of Investments254.00675.00-94.00-34.00-29.00263.00-1.00-45.00-3.00
Purchase of Investments-31.00-81.00-155.00-39.00-52.00-256.00-1.00-45.00-3.00
Sale Or Maturity of Investments285.00756.0061.005.0023.00519.000.000.000.00
Other Uses-1,844.00-1,672.00-801.00-3.000.000.000.000.00-7.00
Other Sources2,054.001,018.000.000.000.000.0011.00138.0043.00
Cash from Investing Activities-1,503.00-2,998.00-2,464.00-1,260.00-2,250.00-1,745.00-450.00-16,582.00-620.00
Cash Dividends Paid0.000.000.000.000.000.000.000.000.00
Change in Capital Stock-560.00-5,837.00-5,740.00-4,726.00-2,528.00-2,646.00-1,693.00-405.00-1,871.00
Repurchase of Common Pref Stock-599.00-5,899.00-5,837.00-4,827.00-2,677.00-2,786.00-1,826.00-561.00-1,946.00
Sale of Common Pref Stock39.0062.0097.00101.00149.00140.00133.00156.0075.00
Proceedsfrom Stock Options39.0062.0097.00101.00149.00140.00133.00156.0075.00
Issuance or Reduction of Debt, Net-3,460.002,159.001,637.001,058.00136.00295.00-2,043.0014,740.001,034.00
Change in Long Term Debt-2,340.002,529.001,359.002,514.00-1,701.00-1,446.00-2,037.0014,740.001,034.00
Issuance of Long Term Debt3,849.006,484.006,755.005,529.001,624.006,435.008,881.0019,783.005,039.00
Reduction of Long Term Debt-6,189.00-3,955.00-5,396.00-3,015.00-3,325.00-7,881.00-10,918.00-5,043.00-4,005.00
Net Financing Active Other Cash Flow-976.00282.00-62.00-632.00-86.00610.00-100.00-144.00-5.00
Other Financing Activities Uses-1,207.00-10.00-62.00-632.00-122.00-101.00-104.00-144.00-5.00
Cash from Financing Activities-4,996.00-3,396.00-4,165.00-4,300.00-2,478.00-1,741.00-3,836.0014,191.00-842.00
Exchange Rate Effect-26.0099.00-32.0033.00-41.00-27.0016.001.00-
Net Change in Cash-1,439.00-191.0030.00-229.00-13.00636.00-14.00518.0090.00
Free Cash Flow3,206.004,341.005,122.003,910.003,277.002,989.003,356.002,187.001,192.00
Preferred Dividends (Cash Flow)-0.000.000.000.000.000.000.000.00
Price to Free Cash Flow7.498.4923.3520.9219.9823.3223.1927.6325.51
Deferred Taxes & Investment Tax Credit--942.00-662.00-511.00-558.00-262.0071.0047.00133.00

Balance sheet, quarterly

Currency USD, millions
Metric2026Q32026Q22026Q12025Q42025Q32025Q2
Cash & Short Term Investments545.00627.00829.00798.001,068.00999.00
Short Term Receivables3,946.004,038.004,003.004,129.004,235.004,356.00
Inventories0.000.000.000.000.000.00
Other Current Assets19,249.0020,699.0019,950.0019,727.0018,854.0021,119.00
Total Current Assets23,740.0025,364.0024,782.0024,654.0024,157.0026,474.00
Net Property, Plant & Equipment3,367.003,328.003,225.003,673.002,968.002,585.00
Total Investments and Advances1,303.001,178.001,167.001,198.001,353.001,339.00
Intangible Assets40,417.0047,236.0047,584.0047,864.0047,611.0047,883.00
Deferred Tax Assets---109.00--
Other Assets2,917.002,839.002,875.001,750.002,377.002,356.00
Total Assets72,587.0080,886.0080,548.0080,133.0079,370.0081,531.00
Short Term Debt Incl. Current Port. of LT Debt1,366.001,333.001,447.001,365.001,443.001,647.00
Accounts Payable832.00907.00930.00797.00717.00768.00
Income Tax Payable312.00290.00403.00368.00307.00284.00
Other Current Liabilities20,269.0021,777.0020,638.0021,360.0019,908.0021,619.00
Total Current Liabilities22,779.0024,307.0023,418.0023,890.0022,375.0024,318.00
Long Term Debt25,809.0026,679.0027,859.0028,395.0028,876.0028,059.00
Provision for Risks Charges0.000.000.000.000.000.00
Deferred Tax Liabilities1,434.001,589.001,688.001,478.001,825.002,189.00
Other Liabilities1,481.001,385.001,362.00561.001,150.001,202.00
Total Liabilities51,503.0053,960.0054,327.0054,324.0054,226.0055,768.00
Non-Equity Reserves0.000.000.000.000.000.00
Preferred Stock - Carrying Value0.000.000.000.000.000.00
Common Equity21,060.0026,904.0026,201.0025,792.0025,121.0025,215.00
Total Shareholders Equity21,060.0026,904.0026,201.0025,792.0025,121.0025,215.00
Accumulated Minority Interest24.0022.0020.0017.0023.00548.00
Total Equity21,084.0026,926.0026,221.0025,809.0025,144.0025,763.00
Total Liabilities & Stockholders Equity72,587.0080,886.0080,548.0080,133.0079,370.0081,531.00
Book Value Per Share39.6650.6749.1648.3046.7846.35
Tangible Book Value Per Share-36.45-38.29-40.12-41.33-41.88-41.67
Full-Time Employees---38,000--
Price to Book Ratio1.601.001.161.442.783.70
Return on Assets-5.183.453.984.424.533.86
Return on Equity-17.0310.7512.2913.1713.6412.66
Return on Invested Capital-12.681.171.061.501.471.93
Quick Ratio1.041.041.061.031.081.09
Current Ratio1.041.041.061.031.081.09

Cash flow, quarterly

Currency USD, millions
Metric2026Q32026Q22026Q12025Q42025Q32025Q2
Net Income-5,939.00630.00573.00813.00799.001,030.00
Depreciation842.00857.00819.00803.00788.00802.00
Other Funds (Non Cash)6,540.0017.0049.005.0061.00158.00
Funds from Operations1,301.001,392.001,383.001,268.001,274.001,812.00
Extraordinary Item0.000.000.000.000.000.00
Changes in Working Capital-274.0095.00-780.00701.00535.00-134.00
Cash from Operating Activities1,027.001,487.00603.001,969.001,809.001,678.00
Capital Expenditures-482.00-498.00-458.00-442.00-507.00-479.00
Net Assets From Acquisitions0.000.000.00-451.00-446.00-43.00
Sale of Fixed Assets and Businesses177.000.00187.000.000.000.00
Purchase or Sale of Investments-12.00-6.005.00267.00-25.00465.00
Purchase of Investments-12.00-13.00-3.00-3.00-37.00-9.00
Sale Or Maturity of Investments0.007.008.00270.0012.00474.00
Other Uses-238.00-270.00-296.00-1,040.00-74.00-315.00
Other Sources167.00512.00357.001,018.000.00-1.00
Cash from Investing Activities-388.00-262.00-205.00-648.00-1,052.00-373.00
Cash Dividends Paid0.000.000.000.000.000.00
Preferred Dividends (Cash Flow)0.000.000.000.000.000.00
Change in Capital Stock6.00-143.00-228.00-195.00-1,037.00-2,277.00
Repurchase of Common Pref Stock-2.00-153.00-240.00-204.00-1,053.00-2,290.00
Sale of Common Pref Stock8.0010.0012.009.0016.0013.00
Proceedsfrom Stock Options8.0010.0012.009.0016.0013.00
Issuance or Reduction of Debt, Net-694.00-1,258.00-117.00-1,391.00311.00722.00
Change in Long Term Debt-1,821.00-443.00-224.00148.001,067.001,493.00
Issuance of Long Term Debt1,003.001,686.00409.00751.002,059.002,898.00
Reduction of Long Term Debt-2,824.00-2,129.00-633.00-603.00-992.00-1,405.00
Net Financing Active Other Cash Flow-628.00-59.00-578.00289.00-229.00-216.00
Other Financing Activities Uses-636.00-59.00-578.0066.00-76.000.00
Cash from Financing Activities-1,316.00-1,460.00-923.00-1,297.00-955.00-1,771.00
Exchange Rate Effect0.00-12.00-27.0013.00-6.0066.00
Net Change in Cash-677.00-247.00-552.0037.00-204.00-400.00
Free Cash Flow545.00989.00145.001,527.001,302.001,199.00
Price to Free Cash Flow7.496.617.168.3115.0618.36

Revenue breakdown

Banking2024: 2.50B 2025: 2.44B
Consolidation, Policy2024: 1.35B 2025: 1.39B
Digital Payments2024: 3.87B 2025: 3.95B
Enterprise2024: 2.16B 2025: 2.26B
Issuing2024: 3.11B 2025: 3.28B
Processing2024: 1.11B 2025: 1.09B
Small Business2024: 6.36B 2025: 6.80B
United States2024: 20.46B 2025: 21.19B
Consolidation, Policy2024: 1.35B 2025: 1.39B
Financial Solutions2024: 9.48B 2025: 9.66B
Merchant Solutions2024: 9.63B 2025: 10.14B

Short interest

shares short against float, oldest to newest
SettlementOf floatShares shortFloatAvg volume
2026-10-304.57%24.2M529.7M7.01M
2026-10-155.35%28.3M529.4M7.08M
2026-09-305.82%30.8M529.5M7.38M
2026-09-155.67%30.0M529.5M7.85M
2026-08-316.28%33.3M529.5M7.94M
2026-08-145.65%29.9M529.5M8.25M
2026-07-313.96%21.0M531.0M7.68M
2026-07-153.88%20.6M531.1M7.49M
2026-06-304.38%23.2M531.1M7.33M
2026-06-152.86%15.2M530.8M6.73M
2026-05-292.89%15.3M531.3M6.35M
2026-05-152.67%14.2M531.3M6.60M
2026-04-302.68%14.2M531.3M7.21M
2026-04-153.01%16.1M532.8M7.90M
2026-03-312.82%14.9M529.6M8.51M
2026-03-132.72%14.4M529.6M9.20M
2026-02-272.54%13.4M529.6M10.11M
2026-02-132.69%14.3M529.6M9.88M
2026-01-303.14%16.7M533.5M10.39M
2026-01-153.77%20.1M533.5M12.08M

Option chain

expiry 2026-11-13
TypeStrikeBidAskLastIVOpen intVolumeDeltaThetaVega
call30.0031.8034.400.006.8200.000.000.993-0.1080.001
call35.0028.5029.0028.434.5131.0012.000.992-0.1050.001
call36.0027.6028.0027.464.3251872100.991-0.1050.001
call37.0026.5027.1026.684.49242.001990.991-0.1040.001
call37.5026.1026.5026.253.88629.001.000.991-0.1040.001
call38.0025.5026.0025.683.9641771.000.991-0.1040.001
call38.5025.1025.5025.263.7161023.000.990-0.1040.001
call39.0024.5025.0024.753.7901054.000.990-0.1030.001
call39.5023.8024.5024.003.5509.005.000.990-0.1030.001
call40.0023.4024.0023.653.46817.005.000.990-0.1030.001
call40.5022.7023.5023.153.3874.003.000.990-0.1020.001
call41.0022.2023.0022.623.30816.003.000.989-0.1020.001
call41.5021.8022.6022.193.5623.002.000.989-0.1020.001
call42.0020.8022.0021.513.1505.000.000.989-0.1010.001
call42.5020.4021.5021.003.0735.002.000.989-0.1010.001
call43.0020.4021.0020.572.9965.003.000.988-0.1000.001
call43.5019.2020.5019.492.9210.002.000.988-0.1000.001
call44.0018.4020.1019.033.1488.002.000.988-0.1000.001
call44.5017.5020.0018.673.8450.001.000.987-0.0990.001
call45.0016.8019.4018.413.59012.000.000.987-0.0990.002
call45.5016.3018.7017.983.1348.000.000.987-0.0980.002
call46.0016.0018.0017.782.5526.000.000.986-0.0980.002
call46.5015.5017.5017.122.4801.000.000.986-0.0970.002
call47.0014.8017.2016.852.88829.000.000.985-0.0970.002
call47.5014.3016.8016.192.9859.000.000.985-0.0960.002
call48.0013.8016.2015.682.7271360.000.985-0.0960.002
call48.5013.3015.7015.312.64714.000.000.984-0.0950.002
call49.0012.8015.1014.882.37330.000.000.984-0.0950.002
call49.5012.3014.7014.162.4892.000.000.983-0.0940.002
call50.0013.4014.0013.402.09094.002.000.983-0.0940.002
call51.0012.3013.0012.501.85659.0022.000.981-0.0920.002
call52.0011.3012.0011.621.81112921.000.980-0.0910.002
call53.0010.3011.0010.621.67314021.000.978-0.0900.002
call54.007.8010.109.181.64770.0020.000.977-0.0880.003
call55.008.309.008.191.4011,01621.000.974-0.0860.003
call56.007.108.207.381.49860.0020.000.972-0.0840.003
call57.006.507.006.641.13110820.000.968-0.0820.003
call58.005.006.005.700.99584.000.000.962-0.0830.004
call59.004.405.004.550.8581110.000.952-0.0870.005
call60.003.604.003.600.72024717.000.916-0.1270.007
call61.002.753.202.870.72919.000.000.862-0.1680.010
call62.001.902.152.000.54768121.000.782-0.1980.013
call63.001.201.351.150.48678.009.000.650-0.2280.017
call64.000.600.750.650.45983.0062.000.473-0.2300.018
call65.000.250.350.290.4391,0311510.288-0.1880.016
call66.000.100.150.120.44174.0021.000.270-0.2990.015
call67.000.000.100.060.50982.005.000.189-0.2490.012
call68.000.000.050.050.53651.001.000.133-0.2060.010
call69.000.000.100.050.62928.000.000.084-0.1460.007
call70.000.000.050.050.77264.000.000.072-0.1280.007
call71.000.000.750.000.8060.000.000.035-0.0770.004
call72.000.000.950.000.8920.000.000.032-0.0790.003
call73.000.000.850.000.9750.000.000.030-0.0810.003
call74.000.000.750.001.0570.000.000.028-0.0830.003
call75.000.000.750.001.1360.000.000.026-0.0840.003
call80.000.000.300.001.5040.000.000.021-0.0910.002
call85.000.000.750.071.8371.000.000.017-0.0960.002
put30.000.002.150.004.5320.000.00-0.007-0.1030.001
put35.000.002.150.003.6760.000.00-0.008-0.1000.001
put36.000.002.150.003.5180.000.00-0.009-0.0990.001
put37.000.001.150.013.39716.000.00-0.009-0.1000.001
put37.500.002.150.003.2950.000.00-0.009-0.0990.001
put38.000.001.750.013.2492.000.00-0.009-0.1000.001
put38.500.002.150.003.1480.000.00-0.010-0.0980.001
put39.000.002.150.353.0604.000.00-0.010-0.0970.001
put39.500.002.100.003.0280.000.00-0.010-0.0990.001
put40.000.000.950.012.9571060.00-0.010-0.0980.001
put40.500.002.150.002.8891.000.00-0.010-0.0980.001
put41.000.000.750.052.63818.000.00-0.011-0.0860.001
put41.500.002.100.002.7500.000.00-0.011-0.0970.001
put42.000.001.400.022.67917.000.00-0.011-0.0970.001
put42.500.002.100.002.6140.000.00-0.011-0.0960.001
put43.000.000.150.042.38590.000.00-0.012-0.0850.001
put43.500.000.950.042.47920.000.00-0.012-0.0950.001
put44.000.001.350.052.41543.000.00-0.012-0.0950.001
put44.500.001.351.052.3516.000.00-0.013-0.0940.001
put45.000.000.750.052.2844390.00-0.013-0.0940.002
put45.500.000.750.042.22013.000.00-0.013-0.0930.002
put46.000.000.050.051.72449.000.00-0.014-0.0610.002
put46.500.000.750.072.0977.000.00-0.014-0.0920.002
put47.000.000.750.052.0341450.00-0.015-0.0920.002
put47.500.000.750.091.97328.000.00-0.015-0.0910.002
put48.000.000.050.021.52175.000.00-0.016-0.0600.002
put48.500.000.751.301.8487.000.00-0.016-0.0900.002
put49.000.000.750.191.79179.000.00-0.016-0.0890.002
put49.500.000.750.151.7311.000.00-0.017-0.0890.002
put50.000.000.050.301.3252890.00-0.018-0.0580.002
put51.000.000.100.051.22892.000.00-0.019-0.0570.003
put52.000.000.750.061.43848.000.00-0.020-0.0850.002
put53.000.000.750.101.31926.000.00-0.022-0.0840.002
put54.000.000.750.111.2095.000.00-0.023-0.0820.003
put55.000.000.200.061.0961170.00-0.026-0.0800.003
put56.000.000.100.040.95028.000.00-0.029-0.0750.003
put57.000.000.200.020.86750410.00-0.032-0.0750.003
put58.000.000.050.030.7551441.00-0.038-0.0770.004
put59.000.000.050.080.69058.000.00-0.088-0.1430.007
put60.000.000.100.050.6221547.00-0.080-0.1150.007
put61.000.050.150.120.54811511.00-0.143-0.1660.010
put62.000.150.300.250.53365.004.00-0.212-0.1860.013
put63.000.350.550.600.50017310.00-0.350-0.2210.017
put64.000.750.951.300.4728.000.00-0.527-0.2230.018
put65.001.401.551.550.45433140.00-0.712-0.1810.016
put66.002.103.703.301.3456.000.00-0.725-0.2960.015
put67.003.004.600.001.4770.000.00-0.807-0.2460.013
put68.003.906.200.002.0130.000.00-0.861-0.2080.010
put69.004.907.200.002.1880.000.00-0.914-0.1430.007
put70.005.908.300.002.4140.000.00-0.954-0.0810.004
put71.006.909.200.002.5120.000.00-0.965-0.0690.004
put72.007.9010.200.002.6630.000.00-0.968-0.0710.003
put73.008.8011.300.002.8730.000.00-0.970-0.0730.003
put74.009.9012.300.003.0150.000.00-0.972-0.0750.003
put75.0010.8013.0011.982.9512.000.00-0.974-0.0760.003
put80.0015.9018.300.003.7770.000.00-0.979-0.0820.002
put85.0020.8023.300.004.3270.000.00-0.983-0.0870.002

Latest SEC filings

30
FiledFormDescriptionPeriodLink
2026-11-0410-QQuarterly report pursuant to Section 13 or 15(d)2026-09-30SEC
2026-11-038-KCurrent report2026-11-03SEC
2026-10-238-KCurrent report2026-10-22SEC
2026-10-013Initial statement of beneficial ownership of securities2026-10-01SEC
2026-10-014Statement of changes in beneficial ownership of securities2026-09-30SEC
2026-10-014Statement of changes in beneficial ownership of securities2026-09-30SEC
2026-10-014Statement of changes in beneficial ownership of securities2026-09-30SEC
2026-10-014Statement of changes in beneficial ownership of securities2026-09-30SEC
2026-10-014Statement of changes in beneficial ownership of securities2026-09-30SEC
2026-10-014Statement of changes in beneficial ownership of securities2026-09-30SEC
2026-10-014Statement of changes in beneficial ownership of securities2026-09-30SEC
2026-10-014Statement of changes in beneficial ownership of securities2026-09-30SEC
2026-10-014Statement of changes in beneficial ownership of securities2026-09-30SEC
2026-10-014Statement of changes in beneficial ownership of securities2026-09-30SEC
2026-09-228-KCurrent report2026-09-16SEC
2026-09-184Statement of changes in beneficial ownership of securities2026-09-17SEC
2026-08-114Statement of changes in beneficial ownership of securities2026-08-07SEC
2026-08-0710-QQuarterly report pursuant to Section 13 or 15(d)2026-06-30SEC
2026-08-068-KCurrent report2026-08-06SEC
2026-08-034Statement of changes in beneficial ownership of securities2026-08-03SEC
2026-07-078-KCurrent report2026-07-07SEC
2026-07-014Statement of changes in beneficial ownership of securities2026-06-30SEC
2026-07-014Statement of changes in beneficial ownership of securities2026-06-30SEC
2026-07-014Statement of changes in beneficial ownership of securities2026-06-30SEC
2026-07-014Statement of changes in beneficial ownership of securities2026-06-30SEC
2026-07-014Statement of changes in beneficial ownership of securities2026-06-30SEC
2026-07-014Statement of changes in beneficial ownership of securities2026-06-30SEC
2026-07-014Statement of changes in beneficial ownership of securities2026-06-30SEC
2026-07-014Statement of changes in beneficial ownership of securities2026-06-30SEC
2026-07-014Statement of changes in beneficial ownership of securities2026-06-30SEC

Insider activity by month

MonthBoughtBuysSoldSells
2026-110000
2026-100000
2026-090000
2026-08519.50K100
2026-070000
2026-061.72M600
2026-050000
2026-040000
2026-030000
2026-020000
2026-010000
2025-121.56M200
2025-110000

Institutional holders

Manager% owned
DODGE & COX9.41%
BlackRock, Inc.7.95%
VANGUARD CAPITAL MANAGEMENT LLC6.21%
STATE STREET CORP4.47%
HARRIS ASSOCIATES L P4.17%
VANGUARD PORTFOLIO MANAGEMENT LLC3.91%
Capital World Investors3.15%
GEODE CAPITAL MANAGEMENT, LLC2.86%
First Eagle Investment Management, LLC2.64%
HOTCHKIS & WILEY CAPITAL MANAGEMENT LLC1.96%

Funds

Fund% owned
PGIM Total Return Bond Fund14.70%
VANGUARD SHORT-TERM CORPORATE BOND INDEX FUND12.01%
PIMCO Total Return Fund7.05%
VANGUARD SHORT-TERM INVESTMENT-GRADE FUND6.77%
Invesco BulletShares 2026 Corporate Bond ETF6.21%
Dodge & Cox Stock Fund5.98%
PGIM Short-Term Corporate Bond Fund4.82%
T. Rowe Price New Income Fund, Inc.4.80%
First Trust Enhanced Short Maturity ETF4.69%
THRIVENT CORE SHORT-TERM RESERVE FUND4.69%

OakChart. FISV. Cached 15 minutes.