FI Earnings Prediction
The chart below shows how FI performed 10 days before and after its earnings report, based on data from the past quarters. Typically, FI sees a -4.22% change in stock price 10 days leading up to the earnings, and a +0.41% change 10 days following the report. On the earnings day itself, the stock moves by +2.73%. This data can give you a slight idea of what to expect for the next quarter's release.
FI Key Earning Data
2024/Q4
Year Over Year
Quarter Over Quarter
Total Revenue
5.22B
7.18%
0.87%
Gross Margin
61.36%
-1.38%
0.18%
Operating Margin
31.43%
8.75%
3.90%
Net Margin
18.14%
-0.55%
64.61%
EPS
1.64
13.89%
67.35%
No Data Available
FI Earnings Analysis
Fiserv Inc Corporation (FI.N) Earnings Conference Call
Positive
Earnings Per Share Increase: Adjusted earnings per share increased by 17% to $8.80, driven by strong revenue growth and operating margin expansion.
Organic Revenue Growth Achievement: Total company organic revenue growth reached 16%, marking the fourth consecutive year of double-digit organic revenue growth.
Free Cash Flow and Share Repurchases: Free cash flow for the year was $5.2 billion, supporting a total of $5.5 billion returned to shareholders through share repurchases.
Clover Revenue Surge: Clover revenue grew by 29% in both the quarter and full year, reaching $2.7 billion, with nearly 90% coming from the small business line.
Merchant Solutions Revenue Growth: The Merchant Solutions segment achieved organic revenue growth of 27% for the full year, reflecting strong demand and successful product rollouts.
Negative
Organic Revenue Analysis: Total company organic revenue growth was reported at 16%, but excluding transitory factors, it would have been only 11%, indicating a significant reliance on temporary boosts.
Financial Solutions Revenue Shortfall: The financial solutions segment experienced only 4% organic revenue growth in Q4 and 6% for the full year, falling short of the expected 5% to 7% range.
Profitability Stagnation Despite Growth: Adjusted operating income for the financial solutions segment grew only 7% for the year, suggesting stagnation in profitability despite overall revenue growth.
High Leverage Concerns: Total debt outstanding reached $24.8 billion, indicating a high leverage position with a debt to adjusted EBITDA ratio of 2.6 times, which may raise concerns about financial stability.
Interest Expense Impact: The company anticipates higher interest expenses in 2025 due to refinancing and ongoing growth in merchant cash advances, which could negatively impact net income.
FI FAQs
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FI Earning Call Sentiment
Fiserv, Inc. (NYSE:FI) Q4 2024 Earnings Call Transcript
FI.N
0.81%Positive
The earnings call highlights strong financial performance with a 17% YoY EPS growth and a 170 basis point margin expansion. Positive guidance adjustments and strategic partnerships with Walmart and ADP suggest a promising outlook. Despite regulatory and economic challenges in Argentina, the market strategy and shareholder returns are robust. The Q&A session reflected confidence in sustained growth, especially in Clover and international markets, although some uncertainty about new product contributions exists. Overall, the positive elements outweigh potential risks, suggesting a positive stock price movement.
