(FI) FY2025Q3 Earning Prediction
(FI) is set to release its FY2025Q3 earnings performance on 10/29 07:01:00 ET in Pre-Market trading. Consensus forecasts predict a revenue of 5.35B and an earnings per share (EPS) of 2.64 for the FY2025Q3. With Intellectia's exclusive AI algorithms, users can predict whether the earnings will beat or miss expectations before the report drops. Leverage this powerful tool to strategize and position your trades ahead of the earnings release!
AI Earnings Prediction
The earnings forecast indicates potential underperformance due to challenges in core growth drivers, with a 'Miss' scenario being the most likely outcome.
Scenario Analysis
Key Indicators Forecast
No data
Prediction Logic & Rational
Logic & Justification
Key Fact Data Insights:
- Clover Growth Headwinds: Multiple analysts (Deutsche Bank, BTIG, Mizuho) highlight deteriorating fundamentals in Fiserv’s Clover segment, including softer discretionary spending, growth challenges in Argentina, and reliance on back-book conversions (lower-margin growth). These issues directly threaten the core "30% Clover revenue growth" metric.
- Guidance Reduction Risks: Citi and Deutsche Bank explicitly warn of potential guidance cuts for H2 2025 and 2026 due to competition, reinvestment needs, and weaker organic growth.
- Acquisitions vs. Execution Risk: While Fiserv acquired multiple companies (StoneCastle, CardFree, AIB Merchant Services) to bolster capabilities, integration costs and delayed revenue synergies could pressure margins and free cash flow in the near term.
- Margin Compression: Price increases in Clover have reportedly weighed on growth (Mizuho), suggesting trade-offs between yield expansion and volume retention.
Consensus Context:
- The stock has underperformed the S&P 500 by - 17.86% (FI: - 12.09% vs. S&P: + 5.77%) since last earnings, reflecting lowered expectations. However, Fact Data signals further downside risks to organic growth and margins, which consensus may not fully price in.
Tactical Strategy Recommendations
Trading Strategy
- Bearish Play: Buy November $120 puts or short stock ahead of earnings. Clover’s structural challenges and guidance risks are underappreciated.
- Hedging: Pair long-term calls (2026 expiry) with short-term puts to capitalize on valuation dislocations if sentiment overshoots.
- Avoid Long Exposure: Analysts (Deutsche Bank, Citi) explicitly warn of downside; neutral ratings (Wells Fargo) offer no near-term catalyst.
Rationale: The market is pricing in "bad news," but Fact Data suggests incremental deterioration in core growth drivers (Clover, margins). A "Miss" scenario aligns with deteriorating fundamentals and conservative guidance revisions.
Earnings Surprise Analysis
FI Transcript
The earnings call reveals several negative factors: a decline in adjusted operating income and margin, a decrease in EPS, and unexpected revenue weakness in the Financial Solutions segment. Although Clover shows strong growth and share repurchases are positive, the financial performance issues and unclear management responses in the Q&A section raise concerns. The guidance adjustment to the low end of revenue growth expectations and the decline in margins further contribute to a negative sentiment. The lack of clear visibility into revenue issues and potential risks in execution suggest a negative stock price reaction.
The earnings call indicates strong financial performance with 30% Clover revenue growth, improved VAS penetration, and a 120 basis point increase in operating margin. Although there are some delays in product rollouts, management remains confident in achieving future targets. The strategic acquisitions, new partnerships, and international expansion further support a positive outlook. Despite some margin decline and less specific guidance, the overall sentiment is positive, especially with the anticipated acceleration in merchant revenue growth and strong Clover performance.
FI Report
Frequently Asked Questions
What is the undefined FY2025Q3 Earnings Release Date and Time?
(FI) is scheduled to release its FY2025Q3 earnings report onOct 29, 2025, Pre-Market(approximately 4:00 PM ET). This timing allows investors to react during after-hours trading, with a conference call typically following shortly after.
What Are the Consensus Forecasts for undefined FY2025Q3 Revenue and EPS?
Analysts' consensus predicts 5.35B in revenue and an EPS of 2.64 for 's FY2025Q3.
What Does Intellectia's AI Predict for undefined FY2025Q3 Earnings?
Intellectia's exclusive AI algorithms forecast a Miss for's FY2025Q3 earnings, with a prediction date of Oct 29, 2025. The earnings forecast indicates potential underperformance due to challenges in core growth drivers, with a 'Miss' scenario being the most likely outcome.
How Can I Use This Earnings Prediction to Trade FI Stock?
Leverage Intellectia's AI forecast to position trades ahead of theOct 29, 2025 release—consider calls for a beat scenario or protective puts for misses. Focus on pre-market volatility, and use the scenario probabilities to build strategies around revenue and guidance updates.
How Accurate Is Intellectia's AI for Earnings Predictions Like undefined FY2025Q3?
Intellectia's predictions are backed by rigorous backtesting, showing a high hit rate for Beat and Miss calls compared to traditional analysis. While no forecast is 100% certain, we provide probability-based scenarios (e.g., 50% chance of a *Beat*) and detailed rationales to help you make informed decisions. Combine our insights with your strategy for the best results—it's like having a co-pilot for earnings season! Empowering users to strategize trades before reports drop.
How does AI Earnings Prediction generate its forecasts?
AI Earnings Prediction uses advanced Large Language Models (LLMs) to analyze a wealth of data, including past earnings transcripts, real-time market sentiment, analyst insights, and company news from the last three months. It focuses on key indicators like revenue, EPS, and margins to predict whether a company will *Beat*, *Miss*, or remain Neutral relative to market expectations. Think of it as a super-smart analyst crunching numbers and news 24/7 to give you a trading edge!
When are the predictions available, and how often are they updated?
Predictions are generated two days before a company’s earnings release (e.g., 5:00 PM ET on Feb 13 for a Feb 15 report) to capture the latest market and company data. They’re updated in real-time if significant news breaks, ensuring you get fresh insights.
Can I use AI Earnings Prediction for all types of stocks?
Currently, AI Earnings Prediction focuses on companies with market caps above $40 billion, covering major players like SPG, AAPL, MSFT, and NVDA for the 2025-2026 earnings seasons. We prioritize high-impact stocks with robust data to ensure reliable forecasts. Stay tuned as we expand coverage to more companies based on user demand!
