Balance Sheet Fiserv, Inc.

Equities

FISV

US3377381088

Business Support Services

Market Closed - Nasdaq Other stock markets 21:00:00 13/05/2026 BST			5-day change	1st Jan Change
52.37 ^USD	-4.57%		-6.67%	-22.03%

05-13	Fiserv, Bridgeport Partners to Form Joint Venture	MT
05-13	Fiserv and Bridgeport Partners enter into agreement to form joint venture	RE

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Published financial data: FISERV, INC.

Annual

Quarterly

Halfyear

YTD

LTM

Fiscal Period: December	2021	2022	2023	2024	2025
Revenues	16.23B	17.74B	19.09B	20.46B	21.19B
Total Revenues	16.23B	17.74B	19.09B	20.46B	21.19B
Cost of Goods Sold, Total	8.13B	7.99B	7.67B	8.01B	8.61B
Gross Profit	8.1B	9.74B	11.42B	12.44B	12.58B
Selling General & Admin Expenses, Total	5.8B	6.04B	6.58B	6.56B	6.88B
Other Operating Expenses, Total	5.8B	6.04B	6.58B	6.56B	6.88B
Operating Income	2.3B	3.7B	4.85B	5.88B	5.7B
Interest Expense, Total	-696M	-746M	-1B	-1.24B	-1.53B
Interest And Investment Income	3M	13M	28M	43M	38M
Net Interest Expenses	-693M	-733M	-976M	-1.2B	-1.49B
Income (Loss) On Equity Invest.	100M	220M	-15M	-685M	37M
Currency Exchange Gains (Loss)	12M	-62M	-164M	-98M	-158M
Other Non Operating Income (Expenses)	27M	-32M	24M	38M	15M
EBT, Excl. Unusual Items	1.75B	3.09B	3.72B	3.94B	4.1B
Restructuring Charges	-15M	-14M	-	-	-
Merger & Related Restructuring Charges	-	-	-	-	-
Gain (Loss) On Sale Of Investments	32M	-	-	29M	82M
Gain (Loss) On Sale Of Assets	-	54M	167M	-	120M
Other Unusual Items	-	-	-	-147M	-
EBT, Incl. Unusual Items	1.77B	3.13B	3.88B	3.82B	4.3B
Income Tax Expense	363M	551M	754M	641M	811M
Earnings From Continuing Operations	1.4B	2.58B	3.13B	3.18B	3.49B
Earnings Of Discontinued Operations	-	-	-	-	-
Net Income to Company	1.4B	2.58B	3.13B	3.18B	3.49B
Minority Interest	-69M	-52M	-61M	-49M	-10M
Net Income - (IS)	1.33B	2.53B	3.07B	3.13B	3.48B
Net Income to Common Incl Extra Items	1.33B	2.53B	3.07B	3.13B	3.48B
Net Income to Common Excl. Extra Items	1.33B	2.53B	3.07B	3.13B	3.48B
Per Share Items
Net EPS - Basic	2.01	3.94	5.02	5.41	6.36
Basic EPS - Continuing Operations	2.01	3.94	5.02	5.41	6.36
Basic Weighted Average Shares Outstanding	663M	642M	612M	579M	547M
Net EPS - Diluted	1.99	3.91	4.98	5.38	6.34
Diluted EPS - Continuing Operations	1.99	3.91	4.98	5.38	6.34
Diluted Weighted Average Shares Outstanding	672M	648M	616M	582M	549M
Normalized Basic EPS	1.55	2.93	3.7	4.17	4.66
Normalized Diluted EPS	1.52	2.9	3.67	4.15	4.65
American Depositary Receipts Ratio (ADR)	2	2	2	2	2
Supplemental Items
EBITDA	5.5B	6.87B	7.97B	8.97B	8.86B
EBITA	4.85B	6.14B	7.21B	8.18B	8B
EBIT	2.3B	3.7B	4.85B	5.88B	5.7B
EBITDAR	5.66B	7.06B	8.15B	9.17B	9.06B
Total Revenues (As Reported)	16.23B	17.74B	19.09B	20.46B	21.19B
Effective Tax Rate - (Ratio)	20.55	17.59	19.42	16.78	18.86
Current Domestic Taxes	516M	977M	1.06B	1.07B	1.51B
Current Foreign Taxes	109M	132M	204M	230M	244M
Total Current Taxes	625M	1.11B	1.26B	1.3B	1.75B
Deferred Domestic Taxes	-292M	-423M	-392M	-519M	-829M
Deferred Foreign Taxes	30M	-135M	-119M	-143M	-113M
Total Deferred Taxes	-262M	-558M	-511M	-662M	-942M
Normalized Net Income	1.02B	1.88B	2.26B	2.41B	2.55B
Interest on Long-Term Debt	23M	17M	31M	39M	59M
Non-Cash Pension Expense	-7M	-1M	3M	5M	-
Supplemental Operating Expense Items
Research And Development Expense From Footnotes	-	-	-	-	-
Net Rental Expense, Total	162M	186M	185M	193M	201M
Imputed Operating Lease Interest Expense	41.71M	50.29M	64.5M	77.21M	88.92M
Imputed Operating Lease Depreciation	120M	136M	120M	116M	112M
Stock-Based Comp., Other (Total)	239M	323M	342M	367M	357M
Total Stock-Based Compensation	239M	323M	342M	367M	357M

Fiscal Period: December	2021	2022	2023	2024	2025
Assets
Cash And Equivalents	835M	902M	1.2B	1.24B	798M
Total Cash And Short Term Investments	835M	902M	1.2B	1.24B	798M
Accounts Receivable, Total	2.86B	3.58B	3.58B	3.72B	3.98B
Other Receivables	-	-	-	501M	148M
Total Receivables	2.86B	3.58B	3.58B	4.23B	4.13B
Inventory	-	-	-	404M	603M
Prepaid Expenses	1.11B	1.14B	-	-	-
Other Current Assets, Total	14.07B	21.91B	30.02B	17.61B	19.12B
Total Current Assets	18.87B	27.54B	34.81B	23.48B	24.65B
Gross Property Plant And Equipment	3.81B	4.75B	5.47B	5.67B	6.73B
Accumulated Depreciation	-1.49B	-2.21B	-2.68B	-2.7B	-3.05B
Net Property Plant And Equipment	2.32B	2.54B	2.79B	2.97B	3.67B
Long-term Investments	2.67B	2.54B	2.42B	1.76B	1.17B
Goodwill	36.43B	36.81B	37.2B	36.58B	37.7B
Other Intangibles, Total	14.01B	12.42B	11.21B	9.94B	10.16B
Accounts Receivable Long-Term	541M	551M	754M	832M	885M
Deferred Tax Assets Long-Term	42M	56M	80M	76M	109M
Deferred Charges Long-Term	814M	915M	975M	1B	1.05B
Other Long-Term Assets, Total	549M	495M	648M	541M	724M
Total Assets	76.25B	83.87B	90.89B	77.18B	80.13B
Liabilities
Accounts Payable, Total	593M	652M	449M	511M	797M
Accrued Expenses, Total	1.9B	1.8B	1.85B	1.96B	2.23B
Short-term Borrowings	240M	198M	442M	784M	762M
Current Portion of Long-Term Debt	138M	114M	126M	117M	193M
Current Portion of Leases	252M	280M	305M	325M	410M
Current Income Taxes Payable	154M	432M	203M	261M	368M
Unearned Revenue Current, Total	585M	625M	761M	819M	865M
Other Current Liabilities	14.44B	22.35B	29.42B	17.38B	18.27B
Total Current Liabilities	18.3B	26.46B	33.55B	22.16B	23.89B
Long-Term Debt	20.42B	20.58B	21.93B	23.31B	26.92B
Long-Term Leases	928M	994M	1.1B	1.07B	1.48B
Unearned Revenue Non Current	225M	235M	250M	263M	259M
Deferred Tax Liability Non Current	4.17B	3.6B	3.08B	2.48B	1.48B
Other Non Current Liabilities	263M	308M	313M	209M	302M
Total Liabilities	44.3B	52.18B	60.22B	49.49B	54.32B
Common Stock, Total	8M	8M	8M	8M	8M
Additional Paid In Capital	22.98B	23.01B	23.1B	23.08B	23.26B
Retained Earnings	14.85B	17.38B	20.44B	23.58B	27.06B
Treasury Stock	-6.14B	-8.38B	-12.92B	-18.18B	-23.55B
Comprehensive Income and Other	-745M	-1.19B	-783M	-1.41B	-984M
Total Common Equity	30.95B	30.83B	29.86B	27.07B	25.79B
Minority Interest	998M	860M	812M	618M	17M
Total Equity	31.95B	31.69B	30.67B	27.69B	25.81B
Total Liabilities And Equity	76.25B	83.87B	90.89B	77.18B	80.13B
Supplemental Items
ECS Total Shares Outstanding on Filing Date	652M	628M	590M	561M	535M
ECS Total Common Shares Outstanding	650M	630M	594M	564M	534M
Book Value / Share	47.62	48.93	50.26	47.99	48.3
Tangible Book Value	-19.49B	-18.4B	-18.56B	-19.46B	-22.07B
Tangible Book Value Per Share	-29.98	-29.2	-31.24	-34.5	-41.33
Total Debt	21.97B	22.17B	23.9B	25.61B	29.76B
Net Debt	21.14B	21.27B	22.7B	24.37B	28.96B
Debt Equivalent of Unfunded Proj. Benefit Obligation	-209M	-113M	-104M	-39M	-
Debt Equivalent Oper. Leases	1.3B	1.49B	1.48B	1.54B	1.61B
Minority Interest, Total (Incl. Fin. Div)	998M	860M	812M	618M	17M
Equity Method Investments, Total	2.56B	2.4B	2.26B	1.51B	1.05B
Account Code - Inventory Valuation	3	3	3	3	3
Land - (BS)	48M	47M	48M	44M	44M
Buildings, Total	512M	724M	801M	845M	865M
Machinery, Total	2.67B	3.4B	4B	4.18B	5.23B
Full Time Employees	44K	41K	42K	38K	38K
Accumulated Allowance for Doubtful Accounts (Supple)	55M	52M	86M	71M	84M

Fiscal Period: December	2021	2022	2023	2024	2025
Net Income	1.33B	2.53B	3.07B	3.13B	3.48B
Depreciation & Amortization - CF	648M	728M	761M	795M	861M
Amortization of Goodwill and Intangible Assets - (CF)	2.55B	2.44B	2.36B	2.3B	2.3B
Depreciation & Amortization, Total	3.2B	3.17B	3.12B	3.1B	3.16B
Amortization of Deferred Charges, Total - (CF)	52M	43M	41M	43M	46M
(Gain) Loss From Sale Of Asset	-	-54M	-167M	-	-120M
(Gain) Loss on Sale of Investments - (CF)	-	-	-	-	-74M
Asset Writedown & Restructuring Costs	15M	14M	-	-	-
(Income) Loss On Equity Investments - (CF)	-66M	-147M	70M	724M	7M
Stock-Based Compensation (CF)	239M	323M	342M	367M	357M
Tax Benefit from Stock Options	-	-	-	-	-
Net Cash From Discontinued Operations	-	-	-	-	-
Other Operating Activities, Total	-241M	-516M	-401M	-391M	-786M
Change In Accounts Receivable	-358M	-770M	23M	-169M	-123M
Change In Accounts Payable	303M	511M	-54M	426M	878M
Change in Unearned Revenues	77M	58M	155M	70M	16M
Change in Other Net Operating Assets	-517M	-543M	-1.04B	-665M	-780M
Cash from Operations	4.03B	4.62B	5.16B	6.63B	6.06B
Capital Expenditure	-1.16B	-1.48B	-1.39B	-1.57B	-1.76B
Cash Acquisitions	-848M	-988M	-13M	-	-820M
Divestitures	-	246M	234M	-	-
Investment in Marketable and Equity Securities, Total	378M	109M	102M	-34M	717M
Other Investing Activities, Total	-	-	-3M	-801M	-654M
Cash from Investing	-1.63B	-2.11B	-1.07B	-2.4B	-2.52B
Short Term Debt Issued, Total	1.74B	1.84B	-	278M	-
Long-Term Debt Issued, Total	6.44B	1.62B	5.57B	6.78B	6.5B
Total Debt Issued	8.18B	3.46B	5.57B	7.06B	6.5B
Short Term Debt Repaid, Total	-	-	-1.46B	-	-370M
Long-Term Debt Repaid, Total	-7.88B	-3.32B	-3.02B	-5.4B	-3.96B
Total Debt Repaid	-7.88B	-3.32B	-4.47B	-5.4B	-4.32B
Issuance of Common Stock	140M	149M	101M	97M	62M
Repurchase of Common Stock	-2.79B	-2.68B	-4.83B	-5.84B	-5.9B
Other Financing Activities, Total	610M	-86M	-726M	-90M	-174M
Cash from Financing	-1.74B	-2.48B	-4.36B	-4.16B	-3.83B
Foreign Exchange Rate Adjustments	-27M	-41M	33M	-32M	99M
Net Change in Cash	636M	-13M	-229M	30M	-191M
Supplemental Items
Cash Interest Paid	648M	703M	879M	1.15B	1.41B
Cash Income Tax Paid (Refund)	666M	709M	1.22B	1.17B	1.37B
Levered Free Cash Flow	3.15B	3.5B	4.37B	4.45B	4.38B
Unlevered Free Cash Flow	3.53B	3.92B	4.95B	5.19B	5.3B
Change In Net Working Capital	185M	406M	152M	382M	21M
Net Debt Issued / Repaid	295M	136M	1.1B	1.66B	2.18B

Fiscal Period: December	2021	2022	2023	2024	2025
Profitability
Return on Assets	1.91	2.89	3.47	4.37	4.53
Return on Total Capital	2.65	4.29	5.59	6.81	6.54
Return On Equity %	4.3	8.11	10.04	10.9	13.05
Return on Common Equity	4.22	8.19	10.11	11	13.17
Margin Analysis
Gross Profit Margin %	49.91	54.94	59.83	60.83	59.36
SG&A Margin	35.71	34.08	34.44	32.09	32.48
EBITDA Margin %	33.89	38.73	41.73	43.87	41.8
EBITA Margin %	29.9	34.62	37.75	39.98	37.74
EBIT Margin %	14.19	20.86	25.39	28.74	26.89
Income From Continuing Operations Margin %	8.65	14.56	16.39	15.55	16.47
Net Income Margin %	8.22	14.26	16.07	15.31	16.42
Net Avail. For Common Margin %	8.22	14.26	16.07	15.31	16.42
Normalized Net Income Margin	6.31	10.61	11.84	11.8	12.04
Levered Free Cash Flow Margin	19.39	19.71	22.87	21.78	20.69
Unlevered Free Cash Flow Margin	21.75	22.1	25.94	25.35	24.99
Asset Turnover
Asset Turnover	0.22	0.22	0.22	0.24	0.27
Fixed Assets Turnover	7.29	7.3	7.16	7.11	6.38
Receivables Turnover (Average Receivables)	6.07	5.5	5.33	5.6	5.5
Inventory Turnover (Average Inventory)	-	-	-	19.38	17.1
Short Term Liquidity
Current Ratio	1.03	1.04	1.04	1.06	1.03
Quick Ratio	0.2	0.17	0.14	0.25	0.21
Operating Cash Flow to Current Liabilities	0.22	0.17	0.15	0.3	0.25
Days Sales Outstanding (Average Receivables)	60.08	66.31	68.51	65.37	66.36
Days Outstanding Inventory (Average Inventory)	-	-	-	18.89	21.34
Average Days Payable Outstanding	23.13	28.43	26.2	21.98	27.09
Cash Conversion Cycle (Average Days)	-	-	-	62.28	60.61
Long Term Solvency
Total Debt/Equity	68.78	69.96	77.93	92.5	115.31
Total Debt / Total Capital	40.75	41.16	43.8	48.05	53.56
LT Debt/Equity	66.8	68.1	75.09	88.07	110.02
Long-Term Debt / Total Capital	39.58	40.06	42.2	45.75	51.1
Total Liabilities / Total Assets	58.1	62.22	66.26	64.13	67.79
EBIT / Interest Expense	3.31	4.96	4.83	4.75	3.72
EBITDA / Interest Expense	8.13	9.46	8.12	7.4	5.92
(EBITDA - Capex) / Interest Expense	6.47	7.47	6.74	6.14	4.77
Total Debt / EBITDA	3.88	3.14	2.93	2.79	3.28
Net Debt / EBITDA	3.73	3.01	2.78	2.66	3.2
Total Debt / (EBITDA - Capex)	4.88	3.98	3.53	3.37	4.08
Net Debt / (EBITDA - Capex)	4.7	3.81	3.36	3.21	3.97
Growth Over Prior Year
Total Revenues, 1 Yr. Growth %	9.25	9.31	7.64	7.14	3.6
Gross Profit, 1 Yr. Growth %	15.03	20.34	17.22	8.93	1.11
EBITDA, 1 Yr. Growth %	19.44	24.91	16	12.63	-1.28
EBITA, 1 Yr. Growth %	20.7	26.59	17.36	12.86	-2.21
EBIT, 1 Yr. Growth %	52.31	60.66	31	21.29	-3.08
Earnings From Cont. Operations, 1 Yr. Growth %	43.9	84.03	21.19	1.63	9.75
Net Income, 1 Yr. Growth %	39.25	89.66	21.26	2.05	11.15
Normalized Net Income, 1 Yr. Growth %	103.86	81.47	20.22	6.69	5.76
Diluted EPS Before Extra, 1 Yr. Growth %	42.14	96.48	27.37	8.03	17.84
Accounts Receivable, 1 Yr. Growth %	15.23	25.35	-0.08	3.99	6.87
Inventory, 1 Yr. Growth %	-	-	-	-4.49	49.26
Net Property, Plant and Equip., 1 Yr. Growth %	8.68	9.8	9.63	6.45	23.71
Total Assets, 1 Yr. Growth %	2.18	9.99	8.37	-15.09	3.83
Tangible Book Value, 1 Yr. Growth %	0.72	-5.6	0.87	4.84	13.45
Common Equity, 1 Yr. Growth %	-4.26	-0.4	-3.15	-9.34	-4.71
Cash From Operations, 1 Yr. Growth %	-2.72	14.48	11.78	28.46	-8.58
Capital Expenditures, 1 Yr. Growth %	28.89	27.5	-6.15	13.04	12.36
Levered Free Cash Flow, 1 Yr. Growth %	-16.62	11.12	24.87	2.03	-1.58
Unlevered Free Cash Flow, 1 Yr. Growth %	-15.44	11.05	26.35	4.7	2.12
Compound Annual Growth Rate Over Two Years
Total Revenues, 2 Yr. CAGR %	26.21	9.28	8.48	7.39	5.36
Gross Profit, 2 Yr. CAGR %	28.22	17.65	18.77	13	4.95
EBITDA, 2 Yr. CAGR %	27.74	22.15	20.37	14.42	5.44
EBITA, 2 Yr. CAGR %	26.78	23.61	21.89	15.93	5.05
EBIT, 2 Yr. CAGR %	15.75	56.43	45.07	26.29	8.42
Earnings From Cont. Operations, 2 Yr. CAGR %	23.9	62.73	49.34	10.98	5.61
Net Income, 2 Yr. CAGR %	22.22	62.51	51.65	11.25	6.5
Normalized Net Income, 2 Yr. CAGR %	12.86	93.51	47.7	13.52	6.23
Diluted EPS Before Extra, 2 Yr. CAGR %	7.88	67.12	58.19	17.3	12.83
Accounts Receivable, 2 Yr. CAGR %	1.39	20.18	11.91	1.93	5.42
Inventory, 2 Yr. CAGR %	-	-	-	-	19.4
Net Property, Plant and Equip., 2 Yr. CAGR %	0.59	9.24	9.71	8.03	14.76
Total Assets, 2 Yr. CAGR %	-0.84	6.02	9.18	-4.07	-6.1
Tangible Book Value, 2 Yr. CAGR %	-2.97	-2.49	-2.42	2.84	9.06
Common Equity, 2 Yr. CAGR %	-3.12	-2.35	-1.78	-6.3	-7.06
Cash From Operations, 2 Yr. CAGR %	17.38	5.53	13.12	19.83	8.37
Capital Expenditures, 2 Yr. CAGR %	26.84	28.19	9.39	3	12.7
Levered Free Cash Flow, 2 Yr. CAGR %	77.96	-3.74	17.8	13.02	0.21
Unlevered Free Cash Flow, 2 Yr. CAGR %	72.7	-3.1	18.46	15.15	3.4
Compound Annual Growth Rate Over Three Years
Total Revenues, 3 Yr. CAGR %	40.72	20.3	8.73	8.03	6.11
Gross Profit, 3 Yr. CAGR %	43.26	25.53	17.51	15.39	8.89
EBITDA, 3 Yr. CAGR %	38.47	26.79	20.06	17.73	8.92
EBITA, 3 Yr. CAGR %	37.33	26.72	21.49	19.02	9.53
EBIT, 3 Yr. CAGR %	14.7	29.11	47.45	36.67	15.63
Earnings From Cont. Operations, 3 Yr. CAGR %	5.73	41.36	47.5	31.36	10.57
Net Income, 3 Yr. CAGR %	3.97	41.5	47.4	32.9	11.21
Normalized Net Income, 3 Yr. CAGR %	6.62	32.76	65.12	32.53	10.87
Diluted EPS Before Extra, 3 Yr. CAGR %	-11.49	31.74	52.65	39.31	17.48
Accounts Receivable, 3 Yr. CAGR %	39.7	8.82	13.01	9.21	3.55
Net Property, Plant and Equip., 3 Yr. CAGR %	79.89	3.57	9.37	8.62	13.02
Total Assets, 3 Yr. CAGR %	89.18	2.65	6.8	0.4	-1.51
Tangible Book Value, 3 Yr. CAGR %	51.98	-3.86	-1.38	-0.06	6.26
Common Equity, 3 Yr. CAGR %	138.1	-2.22	-2.62	-4.37	-5.77
Cash From Operations, 3 Yr. CAGR %	36.25	16.4	7.57	18.02	9.49
Capital Expenditures, 3 Yr. CAGR %	47.7	27.06	15.54	10.59	6.03
Levered Free Cash Flow, 3 Yr. CAGR %	45.85	52.11	4.98	12.29	7.93
Unlevered Free Cash Flow, 3 Yr. CAGR %	46.45	49.06	5.87	13.68	10.63
Compound Annual Growth Rate Over Five Years
Total Revenues, 5 Yr. CAGR %	24.13	25.51	26.81	14.96	7.37
Gross Profit, 5 Yr. CAGR %	26.04	29.54	32.91	20.36	12.31
EBITDA, 5 Yr. CAGR %	26.17	28.63	30.93	21.64	13.99
EBITA, 5 Yr. CAGR %	24.79	27.15	30.93	22.07	14.76
EBIT, 5 Yr. CAGR %	9.77	19.44	26	27.88	30.39
Earnings From Cont. Operations, 5 Yr. CAGR %	8.57	15.95	21.39	28.32	29.05
Net Income, 5 Yr. CAGR %	7.48	15.22	20.92	28.52	29.43
Normalized Net Income, 5 Yr. CAGR %	2.78	16.88	21.76	24.58	38.41
Diluted EPS Before Extra, 5 Yr. CAGR %	-0.88	6.45	11.65	25.76	35.27
Accounts Receivable, 5 Yr. CAGR %	25.96	29.17	27.84	6.01	9.91
Net Property, Plant and Equip., 5 Yr. CAGR %	41.74	45.51	47.61	5.33	11.49
Total Assets, 5 Yr. CAGR %	50.91	52.14	51.84	-0.09	1.44
Tangible Book Value, 5 Yr. CAGR %	33.1	31.15	27.3	-1.23	2.67
Common Equity, 5 Yr. CAGR %	64.87	62.38	67.08	-3.87	-4.42
Cash From Operations, 5 Yr. CAGR %	23.03	25.19	26.48	17.76	7.89
Capital Expenditures, 5 Yr. CAGR %	31.95	38.81	30.98	16.83	14.39
Levered Free Cash Flow, 5 Yr. CAGR %	24.99	27.22	33.9	35	3.05
Unlevered Free Cash Flow, 5 Yr. CAGR %	25.51	27.92	34.53	34.38	4.87