Fiserv, Inc. (FI)

In the past six months, Fiserv's stock price has experienced a downward trajectory and volatility. As of September 30, 2025, the share price was $128.93, a 28.89% decline from October 1, 2024, reaching a 52-week low around October 1, 2025. Fiserv reported Q2 2025 earnings on July 23, 2025, with an EPS of $2.47 and revenue of $5.20 billion. Analyst ratings have varied, with a consensus rating of "Moderate Buy" and a target price of $205.96.

Demand seasonality for Fiserv's products and services is influenced by consumer spending patterns and holidays. Consumer spending fluctuated in March 2024, with Spring Break travel boosting sales and the Easter holiday contributing to a slowdown. In June 2025, small business sales saw strong year-over-year growth but declined month-over-month. By September 2025, the Fiserv Small Business Index remained steady, with year-over-year sales and transactions growing, but average ticket sizes saw only modest increases. Economic uncertainty can impact demand, leading consumers to spend with more caution.

Fiserv, Inc. is a multinational financial technology company providing technology solutions and services to the financial and insurance sectors. It operates in the diversified financials sector, focusing on transaction and payment processing services. Fiserv offers payment and mobile banking systems, account processing systems, electronic payment products, and various financial and business solutions, including Carat, CardHub, and Clover.

Fiserv has a diversified operational footprint across various global markets, serving clients in over 100 countries, including North America, Europe, Latin America, the Middle East, Africa, and Asia-Pacific. The United States and Canada account for 85% of Fiserv's net sales.

Fiserv has maintained a strong brand reputation, evidenced by its recognition as one of Fortune's "World's Most Admired Companies" for 2025, securing the second position in the Financial Data Services category. This marks the tenth time in the last eleven years that Fiserv has received this accolade.

Fiserv has a diverse ownership structure including institutional, retail, and individual investors. Institutional investors hold a significant portion, approximately 56.17% to 89.64% of the company's stock. Major institutional shareholders include Vanguard Group Inc, BlackRock, Inc., and Dodge & Cox. Insiders own approximately 0.75% to 31.33% of the stock, with KKR Group Partnership LP, New Omaha Holdings LP, and Valueact Holdings LP identified as significant insider shareholders. Public companies and individual investors hold around 21.09% to 21.99% of the shares.