Fiserv, Inc. (FI)

Fiserv's stock price has declined approximately 28.92% and 38.40% year-to-date as of late October 2025. This decline is attributed to a slowdown in Clover growth and merchant payments processing, analyst rating and price target adjustments, the upcoming Q3 2025 earnings report, and negative market sentiment. Several analysts lowered their price targets for Fiserv's stock, although many maintained "Buy" or "Overweight" ratings. Fiserv is scheduled to report its Q3 2025 earnings on October 29, 2025, with analysts forecasting revenue of $5.4 billion and EPS of $2.66. The stock has been impacted by investors rotating out of fintech names.

Fiserv's products and services exhibit demand seasonality tied to consumer spending patterns. Increased activity is observed during holiday seasons, with steady growth in sales and transactions. The 2024 holiday season saw a significant increase in late-season shopping. Consumer caution and discounting can influence average ticket sizes during these periods.

Fiserv, Inc. is a multinational financial technology company based in Milwaukee, Wisconsin, operating in the Technology sector, specifically in Software and Financial Transaction Services. It provides payments and financial services technology solutions to various clients in the financial services sector, including banks, credit unions, and retailers. Key offerings include merchant solutions like merchant acquiring and digital commerce services, the Clover point-of-sale platform, and Carat for large businesses. Financial solutions encompass card processing, security, bill payment, digital banking, and consulting. Other offerings include Pinch Payments, providing embedded card processing and direct debit to SaaS and small businesses.

Fiserv, Inc. has a significant global presence, providing its solutions in the United States, Europe, the Middle East and Africa, Latin America, and the Asia-Pacific region. The United States and Canada collectively account for 85% of its net sales.

Fiserv maintains a strong brand reputation within the financial technology industry, recognized as a Fortune® World's Most Admired Company™ and one of Fast Company's World's Most Innovative Companies in 2022. There haven't been major events that negatively impacted Fiserv's overall brand reputation in the past year. Fiserv continues to announce new partnerships and integrations, such as with Apple Tap to Pay for its Clover platform, which positively reinforces its innovative image.

Fiserv's stock ownership includes institutional, retail, and individual investors. Institutional investors hold a significant portion, with approximately 90.98% of the stock owned by institutional investors and hedge funds. Major institutional owners include Vanguard Group Inc., BlackRock, Inc., and Dodge & Cox. Individual investors are also part of the ownership structure.