Synchrony Financial Enhances Clover Integration to Streamline Patient Financing
Written by Emily J. Thompson, Senior Investment Analyst
Updated: Jan 13 2026
0mins
Should l Buy FISV?
Source: NASDAQ.COM
- Integration Upgrade: Synchrony Financial's enhanced integration with Clover enables over 40,000 health and wellness providers to process CareCredit applications directly at the point of sale, streamlining the patient financing process and improving customer experience.
- Payment Convenience: The newly launched “Pay with CareCredit” app is the only patient financing solution in the Clover App Market, pre-installed on Clover devices, allowing providers to accept CareCredit payments directly without additional equipment, thus reducing operational costs.
- Business Growth Support: The full integration of CareCredit is seen as a significant operational advantage, expected to drive the performance of Synchrony's health and wellness platform and enhance its market competitiveness in medical financing.
- Partnership Expansion: In the first nine months of 2025, Synchrony established or renewed over 40 partnerships, further expanding credit accessibility, enhancing its customer base, and promoting repeat sales, demonstrating its extensive influence across multiple industries.
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Analyst Views on FISV
Wall Street analysts forecast FISV stock price to rise
28 Analyst Rating
8 Buy
20 Hold
0 Sell
Moderate Buy
Current: 63.450
Low
62.00
Averages
95.61
High
180.00
Current: 63.450
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.
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- Market Share Loss: Fiserv's stock has plummeted 74% over the past year, indicating significant gaps in competitive and client service areas that have eroded market confidence, prompting management to initiate a restructuring plan to reverse this trend.
- Financial Performance: The fourth-quarter report showed a 1% year-over-year revenue increase, but earnings per share (EPS) fell by 8%, aligning with management's expectations set in October, reflecting the company's efforts towards stability while still needing to meet future guidance.
- Strategic Transformation Plan: The company is developing relationships with AI and technology partners to enhance efficiency and regain market share, recently announcing a deal with ServiceNow and launching a digital currency settlement platform called INDX, aimed at bolstering its competitive edge.
- Future Outlook: Management anticipates organic revenue growth of 1% to 3% and adjusted EPS between $8.00 and $8.30 for 2026, down from $8.64 in 2025, but the market remains cautious about whether these targets will be met.
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- Performance Overview: Fiserv's Q4 revenue grew only 1% year-over-year, with a full-year increase of 4%, indicating stagnant growth; however, at a P/E ratio of 9, it still warrants investor attention.
- Declining Earnings Forecast: The expected earnings per share (EPS) for 2026 is projected to be between $8 and $8.30, down from $8.64 in 2025, reflecting a weakening profitability outlook for the company.
- Stagnant Business Segments: Neither of Fiserv's two business segments showed meaningful growth in Q4, with processing and services revenue remaining flat and product growth plummeting from 13% to 3.6%, suggesting little chance for recovery.
- Rising Cost Pressure: Fiserv's costs increased by 5.4% year-over-year in 2025, with Q4 costs surging by 11.4%, indicating a persistent trend that will likely continue into 2026, exacerbating profitability challenges.
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- Portfolio Adjustments: The fund completely exited its position in PagSeguro Digital in Q4, indicating a strategic portfolio adjustment likely based on market performance and future expectations.
- Top Holdings: As of December 31, Restaurant Brands International remains Baupost's largest holding, indicating sustained confidence in the restaurant sector, and it was also the top holding in Q3, showcasing stability.
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- Performance Decline: Fiserv's stock has plummeted 74% over the past year, primarily due to missing expectations in its third-quarter earnings report, where management identified 'competitive and client service gaps' and initiated a restructuring plan to address market challenges.
- Stable Revenue: Although fourth-quarter revenue increased by only 1% year-over-year and earnings per share (EPS) fell by 8%, management indicated that these results were in line with expectations, projecting organic revenue growth of 1% to 3% for 2026, reflecting a degree of stability.
- Strategic Transformation: The company plans to develop relationships with artificial intelligence and technology partners to enhance efficiency and regain market share, recently announcing a partnership with ServiceNow and launching a digital currency settlement platform called INDX to strengthen its competitive position.
- Market Caution: Despite beating EPS expectations in the fourth quarter, the market remains cautious about Fiserv's future, with investors keenly watching whether the company can meet guidance and market expectations over the next three quarters.
See More
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- Performance Decline: Fiserv's stock has plummeted 74% over the past year after missing revenue and earnings expectations in Q3, revealing significant gaps in competition and client service, prompting management to initiate a restructuring plan to restore market confidence.
- Slight Revenue Increase: Although Q4 revenue increased by 1% year-over-year, earnings per share (EPS) fell by 8%, aligning with management's expectations set in October, indicating ongoing challenges as the company strives to stabilize its business.
- Long-Term Investment Strategy: The company plans to enhance efficiency and regain market share by developing relationships with AI and technology partners, as evidenced by its recent deal with ServiceNow and the launch of the INDX digital currency settlement platform, showcasing its proactive approach to technological innovation.
- Market Caution: Despite beating EPS expectations in Q4, the market remains cautious about Fiserv's future trajectory, with investors keenly watching whether the company can meet its projected revenue growth and profitability in the upcoming quarters.
See More
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- Stock Performance: Shares of Global Payments experienced their largest same-day percentage increase in nearly a year on Wednesday.
- Earnings Context: The significant stock movement is attributed to factors beyond just quarterly earnings.
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Fiserv's Q4 Report Shows Stability Amid Market Challenges
- Market Share Loss: Fiserv's stock has plummeted 74% over the past year, indicating significant gaps in competitive and client service areas that have eroded market confidence, prompting management to initiate a restructuring plan to reverse this trend.
- Financial Performance: The fourth-quarter report showed a 1% year-over-year revenue increase, but earnings per share (EPS) fell by 8%, aligning with management's expectations set in October, reflecting the company's efforts towards stability while still needing to meet future guidance.
- Strategic Transformation Plan: The company is developing relationships with AI and technology partners to enhance efficiency and regain market share, recently announcing a deal with ServiceNow and launching a digital currency settlement platform called INDX, aimed at bolstering its competitive edge.
- Future Outlook: Management anticipates organic revenue growth of 1% to 3% and adjusted EPS between $8.00 and $8.30 for 2026, down from $8.64 in 2025, but the market remains cautious about whether these targets will be met.
See More
Fiserv's Earnings Analysis: Stagnant Growth and Rising Costs
- Performance Overview: Fiserv's Q4 revenue grew only 1% year-over-year, with a full-year increase of 4%, indicating stagnant growth; however, at a P/E ratio of 9, it still warrants investor attention.
- Declining Earnings Forecast: The expected earnings per share (EPS) for 2026 is projected to be between $8 and $8.30, down from $8.64 in 2025, reflecting a weakening profitability outlook for the company.
- Stagnant Business Segments: Neither of Fiserv's two business segments showed meaningful growth in Q4, with processing and services revenue remaining flat and product growth plummeting from 13% to 3.6%, suggesting little chance for recovery.
- Rising Cost Pressure: Fiserv's costs increased by 5.4% year-over-year in 2025, with Q4 costs surging by 11.4%, indicating a persistent trend that will likely continue into 2026, exacerbating profitability challenges.
See More
Baupost Group's Investment Moves in Q4
- New Investment Position: Baupost Group established a new stake in Amazon during Q4, making it the fund's second-largest holding at 9.3% of assets, reflecting confidence in the e-commerce and cloud giant despite differing views from Buffett.
- Portfolio Adjustments: The fund completely exited its position in PagSeguro Digital in Q4, indicating a strategic portfolio adjustment likely based on market performance and future expectations.
- Top Holdings: As of December 31, Restaurant Brands International remains Baupost's largest holding, indicating sustained confidence in the restaurant sector, and it was also the top holding in Q3, showcasing stability.
- Market Performance Comparison: Amazon was the worst-performing stock among the Magnificent Seven in 2025, and Baupost's investment decision may be based on optimism regarding its cloud segment growth, which will test the effectiveness of Klarman's strategy against Buffett's reduction in exposure.
See More
Fiserv Stock Plummets 74% but Shows Signs of Recovery
- Performance Decline: Fiserv's stock has plummeted 74% over the past year, primarily due to missing expectations in its third-quarter earnings report, where management identified 'competitive and client service gaps' and initiated a restructuring plan to address market challenges.
- Stable Revenue: Although fourth-quarter revenue increased by only 1% year-over-year and earnings per share (EPS) fell by 8%, management indicated that these results were in line with expectations, projecting organic revenue growth of 1% to 3% for 2026, reflecting a degree of stability.
- Strategic Transformation: The company plans to develop relationships with artificial intelligence and technology partners to enhance efficiency and regain market share, recently announcing a partnership with ServiceNow and launching a digital currency settlement platform called INDX to strengthen its competitive position.
- Market Caution: Despite beating EPS expectations in the fourth quarter, the market remains cautious about Fiserv's future, with investors keenly watching whether the company can meet guidance and market expectations over the next three quarters.
See More
Fiserv Stock Plummets 74%, Future Outlook Uncertain
- Performance Decline: Fiserv's stock has plummeted 74% over the past year after missing revenue and earnings expectations in Q3, revealing significant gaps in competition and client service, prompting management to initiate a restructuring plan to restore market confidence.
- Slight Revenue Increase: Although Q4 revenue increased by 1% year-over-year, earnings per share (EPS) fell by 8%, aligning with management's expectations set in October, indicating ongoing challenges as the company strives to stabilize its business.
- Long-Term Investment Strategy: The company plans to enhance efficiency and regain market share by developing relationships with AI and technology partners, as evidenced by its recent deal with ServiceNow and the launch of the INDX digital currency settlement platform, showcasing its proactive approach to technological innovation.
- Market Caution: Despite beating EPS expectations in Q4, the market remains cautious about Fiserv's future trajectory, with investors keenly watching whether the company can meet its projected revenue growth and profitability in the upcoming quarters.
See More
Global Payments Shares Surge: Here's the Reason.
- Stock Performance: Shares of Global Payments experienced their largest same-day percentage increase in nearly a year on Wednesday.
- Earnings Context: The significant stock movement is attributed to factors beyond just quarterly earnings.
See More
