Fiserv Set to Announce Q4 Earnings on February 10th
Written by Emily J. Thompson, Senior Investment Analyst
Updated: 1h ago
0mins
Should l Buy FISV?
Source: seekingalpha
- Earnings Announcement Date: Fiserv is scheduled to release its Q4 earnings on February 10th before market open, with consensus EPS estimate at $1.90, reflecting a significant year-over-year decline of 24.3%, indicating potential profitability challenges.
- Flat Revenue Expectations: The revenue estimate stands at $4.9 billion, flat year-over-year, highlighting the company's struggle with revenue growth, which may impact investor confidence regarding its future growth potential.
- Historical Performance Review: Over the past two years, Fiserv has beaten EPS estimates 88% of the time, but only 50% for revenue estimates, suggesting a relatively stable performance in earnings but volatility in revenue growth.
- Estimate Revision Dynamics: In the last three months, EPS estimates have seen 3 upward revisions and 6 downward, while revenue estimates have experienced 2 upward revisions and 8 downward, reflecting analysts' cautious outlook and divergence regarding the company's future performance.
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Analyst Views on FISV
Wall Street analysts forecast FISV stock price to rise over the next 12 months. According to Wall Street analysts, the average 1-year price target for FISV is 95.61 USD with a low forecast of 62.00 USD and a high forecast of 180.00 USD. However, analyst price targets are subjective and often lag stock prices, so investors should focus on the objective reasons behind analyst rating changes, which better reflect the company's fundamentals.
28 Analyst Rating
8 Buy
20 Hold
0 Sell
Moderate Buy
Current: 60.000
Low
62.00
Averages
95.61
High
180.00
Current: 60.000
Low
62.00
Averages
95.61
High
180.00
About FISV
Fiserv, Inc. is a global provider of payments and financial services technology solutions. Its segments include Merchant Solutions (Merchant) and Financial Solutions (Financial). The businesses in its Merchant segment provide commerce-enabling products and services to companies of all sizes around the world. These products and services include merchant acquiring and digital commerce services; mobile payment services; security and fraud protection solutions; stored-value solutions; software-as-a-service; POS devices; and pay-by-bank solutions. The business lines in its Merchant segment consist of small business, enterprise, and processing. The businesses in its Financial segment provide products and services to financial institutions, corporate and public sector clients across the world, enabling the processing of customer loan and deposit accounts, digital payments and card transactions. The business lines in its Financial segment consist of digital payments, issuing, and banking.
About the author
Emily J. Thompson
Emily J. Thompson, a Chartered Financial Analyst (CFA) with 12 years in investment research, graduated with honors from the Wharton School. Specializing in industrial and technology stocks, she provides in-depth analysis for Intellectia’s earnings and market brief reports.
Fiserv Set to Announce Q4 Earnings on February 10th
- Earnings Announcement Date: Fiserv is scheduled to release its Q4 earnings on February 10th before market open, with consensus EPS estimate at $1.90, reflecting a significant year-over-year decline of 24.3%, indicating potential profitability challenges.
- Flat Revenue Expectations: The revenue estimate stands at $4.9 billion, flat year-over-year, highlighting the company's struggle with revenue growth, which may impact investor confidence regarding its future growth potential.
- Historical Performance Review: Over the past two years, Fiserv has beaten EPS estimates 88% of the time, but only 50% for revenue estimates, suggesting a relatively stable performance in earnings but volatility in revenue growth.
- Estimate Revision Dynamics: In the last three months, EPS estimates have seen 3 upward revisions and 6 downward, while revenue estimates have experienced 2 upward revisions and 8 downward, reflecting analysts' cautious outlook and divergence regarding the company's future performance.
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- Revenue Growth Momentum: In Q4 2025, American Express generated $9.9 billion in revenue from merchants and $2.6 billion in card membership fees, indicating strong financial performance, with double-digit growth expected to continue into 2026.
- Young Customer Demographics: As of Q4, millennials and Gen Z now represent the largest share of U.S. consumer spending and are the fastest-growing cohorts, providing strong support for American Express's future growth prospects.
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- Attracting Younger Consumers: American Express has successfully attracted millennial and Gen Z customers, who now represent the largest share of U.S. consumer spending, a trend expected to drive future revenue and earnings growth for the company.
- Exploring Stablecoin Opportunities: American Express is exploring stablecoin-related opportunities, with CEO Steve Squeri noting their potential use in certain payment situations, reflecting the company's commitment to emerging payment methods.
- Increased Market Confidence: The passage of the Genius Act in 2025, which provides a regulatory framework for stablecoins, enhances industry confidence; despite the competitive risks from BNPL and stablecoins, American Express's brand value and customer loyalty remain strong competitive advantages.
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- Earnings Forecast Downgrade: The company expects adjusted earnings per share for 2025 to range between $8.50 and $8.60, significantly down from the previous forecast of $10.15 to $10.30, indicating the growth challenges and market pressures it faces.
- Analyst Rating: Cantor Fitzgerald initiated coverage of Fiserv with a 'Neutral' rating, noting that while recent developments have eroded investor trust, the firm believes the company can regain footing with realistic expectations, although this may take time.
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Fiserv Set to Announce Q4 Earnings on February 10th
- Earnings Announcement Date: Fiserv is scheduled to release its Q4 earnings on February 10th before market open, with consensus EPS estimate at $1.90, reflecting a significant year-over-year decline of 24.3%, indicating potential profitability challenges.
- Flat Revenue Expectations: The revenue estimate stands at $4.9 billion, flat year-over-year, highlighting the company's struggle with revenue growth, which may impact investor confidence regarding its future growth potential.
- Historical Performance Review: Over the past two years, Fiserv has beaten EPS estimates 88% of the time, but only 50% for revenue estimates, suggesting a relatively stable performance in earnings but volatility in revenue growth.
- Estimate Revision Dynamics: In the last three months, EPS estimates have seen 3 upward revisions and 6 downward, while revenue estimates have experienced 2 upward revisions and 8 downward, reflecting analysts' cautious outlook and divergence regarding the company's future performance.
See More
American Express Faces Competitive Risks but Outlook Remains Positive
- Competitive Risk Analysis: American Express (AXP), comprising over 16% of Buffett's portfolio, faces competitive risks from BNPL and stablecoins; however, its market position remains robust despite these challenges.
- Revenue Growth Momentum: In Q4 2025, American Express generated $9.9 billion in revenue from merchants and $2.6 billion in card membership fees, indicating strong financial performance, with double-digit growth expected to continue into 2026.
- Young Customer Demographics: As of Q4, millennials and Gen Z now represent the largest share of U.S. consumer spending and are the fastest-growing cohorts, providing strong support for American Express's future growth prospects.
- Stablecoin Exploration: American Express is actively exploring opportunities related to stablecoins, with CEO Steve Squeri noting their potential use in certain payment scenarios, demonstrating the company's adaptability to emerging payment mechanisms.
See More
American Express Faces Challenges from Payment Innovations
- Threat from Payment Innovations: The rise of buy now, pay later (BNPL) and stablecoins poses a potential threat to American Express (AXP), which reported $9.9 billion in merchant revenue and $2.6 billion in card membership fees in Q4 2025, indicating strong financial performance.
- Attracting Younger Consumers: American Express has successfully attracted millennial and Gen Z customers, who now represent the largest share of U.S. consumer spending, a trend expected to drive future revenue and earnings growth for the company.
- Exploring Stablecoin Opportunities: American Express is exploring stablecoin-related opportunities, with CEO Steve Squeri noting their potential use in certain payment situations, reflecting the company's commitment to emerging payment methods.
- Increased Market Confidence: The passage of the Genius Act in 2025, which provides a regulatory framework for stablecoins, enhances industry confidence; despite the competitive risks from BNPL and stablecoins, American Express's brand value and customer loyalty remain strong competitive advantages.
See More
Key Focus Areas This Week: Jobs, Consumer Prices, Coca-Cola, CVS, Ford, McDonald's, and More
- Market Performance: The Dow Jones Industrial Average rose by 2.5% and closed above 50,000 for the first time.
- Nasdaq Struggles: In contrast, the Nasdaq Composite ended the week down 1.8%, despite a strong rally on Friday.
See More
Fiserv Shares Plunge 67% to Historic Low
- Stock Price Plunge: Fiserv's shares fell over 67% last year, marking a historic low, reflecting market concerns over cautious consumer spending and intensified competition in the fintech sector, which severely undermined investor confidence.
- Earnings Forecast Downgrade: The company expects adjusted earnings per share for 2025 to range between $8.50 and $8.60, significantly down from the previous forecast of $10.15 to $10.30, indicating the growth challenges and market pressures it faces.
- Analyst Rating: Cantor Fitzgerald initiated coverage of Fiserv with a 'Neutral' rating, noting that while recent developments have eroded investor trust, the firm believes the company can regain footing with realistic expectations, although this may take time.
- Retail Sentiment Shift: Despite the stock's decline, retail investor sentiment for Fiserv shifted from 'bearish' to 'bullish' in the past 24 hours, with message volume surging 925%, indicating some investors' optimism for a potential rebound.
See More
PayPal Shares Plunge 20% After Earnings Miss Expectations
- Earnings Miss: PayPal's Q4 2025 results revealed revenue of $6.7 billion and adjusted EPS of $1.23, both falling short of analyst expectations, leading to a 20.31% drop in stock price and a market cap reduction to $49 billion, highlighting significant growth challenges ahead.
- Leadership Change: The sudden departure of CEO Alex Chriss, replaced by Enrique Lores, former CEO of HP, may impact the company's strategic direction, prompting investors to closely monitor how the new leadership addresses current challenges and market expectations.
- Surge in Trading Volume: Trading volume soared to 139 million shares, approximately 792% above the three-month average of 16 million shares, indicating a strong market reaction to PayPal's outlook, which could trigger further investor scrutiny and potential sell-offs.
- Market Reaction: PayPal's disappointing performance has led to a reassessment of the entire payment sector, with competitor Fiserv's stock dropping 7.66%, reflecting a decline in investor confidence across payment stocks and potentially affecting industry valuations.
See More
