FIS
Fidelity National Information Services, Inc.Evidence as of 2026-09-19The desk's Snapshot
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Overview · Fidelity National Information Services, Inc.
Fidelity National Information Services, Inc. provides technology solutions for financial institutions and businesses worldwide. It operates through Banking Solutions, Merchant Solutions, and Capital Market Solutions segments. The Banking Solutions segment provides core processing and ancillary applications; mobile and online banking; fraud, risk management, and compliance; electronic funds transfer and network; card…
Management team
- Ms. Caroline Tsai · Chief Legal & Corporate Affairs Officer and Corporate SecretaryFind on LinkedIn
- Mr. Robert Alexander Toohey · Chief People officerFind on LinkedIn
- Mr. Firdaus Bhathena · Chief Technology OfficerFind on LinkedIn
- Mr. Peter Francis · Global Head of Professional Services - InsuranceFind on LinkedIn
Start free to see the full management team.
Links open LinkedIn searches, not verified profiles. Team data from our market-data vendor's company profile.
Moneyta sentiment
Where the published evidence leans after the desk debated it, not a rating or a recommendation.
−0.8 on a −2 to +2 scale.
What builds the score
Solid bars are analyst rubric scores; faded bars are computed directly from data. Claims dropped in debate count for nothing; weakened claims count at half weight.
Editor's note
Written after the debate settled. The rest of the page is the evidence behind it.
Revenue rose across five comparable fiscal quarters from $ 2,616,000,000 in the quarter ended 30 June 2025 to $ 3,377,000,000 in Q2 2026 (fiscal quarter ended 2026-07-31), with interim amounts of $ 2,717,000,000 (quarter ended 30 September 2025), $ 2,812,000,000 (quarter ended 31 December 2025), and $ 3,295,000,000 (fiscal Q1 2026, ended 31 March 2026). Gross profit also increased over the same span from $ 952,000,000 to $ 1,174,000,000, even as gross margin compressed from about 38.3% in the quarter ended 31 December 2025 to roughly 33.6% in fiscal Q1 2026 and about 34.8% in Q2 2026.
Operating income rose overall but dipped to $ 423,000,000 in fiscal Q1 2026 before recovering to $ 507,000,000 in Q2 2026, leaving operating margin lower than the December 2025 quarter (about 18.8% then versus ~12.8% in fiscal Q1 2026 and ~15.0% in Q2 2026). Balance-sheet and market signals show materially higher long‑term debt (from $ 10,353,000,000 as of 31 December 2025 to $ 16,948,000,000 as of 30 June 2026) alongside cash of $ 744,000,000 as of 30 June 2026, elevated leverage inputs, weak momentum and relative strength, and a trailing twelve‑month dividend yield near 4.83%.
How this note was made
every stage ran before the note was writtenAnalyst desk
Mercer, Oakes, Nash, Ellis, Yates, Talbot and Archer. The desk: named AI agents, not people. Each reads one slice of the evidence and nothing else (no outside knowledge, no browsing), so every finding traces to a source you can open.
Reads the XBRL figures companies file with the SEC (revenue, margins, income, debt and share count, quarter by quarter) and reports which way the trend is running.
Revenue (RevenueFromContractWithCustomerExcludingAssessedTax) rose across five comparable fiscal quarters from $2,616,000,000 in the quarter ended 30 June 2025 to $2,717,000,000 in the quarter ended 30 September 2025, $2,812,000,000 in the quarter ended 31 December 2025, $3,295,000,000 in the quarter ended 31 March 2026, and $3,377,000,000 in the quarter ended 30 June 2026.
XBRL companyfacts · 0001136893-26-000050Gross profit (GrossProfit) increased in the same sequence of quarters from $952,000,000 (quarter ended 30 June 2025) to $1,028,000,000 (quarter ended 30 September 2025), $1,076,000,000 (quarter ended 31 December 2025), $1,108,000,000 (fiscal Q1 2026, ended 31 March 2026), and $1,174,000,000 (fiscal Q2 2026, ended 30 June 2026).
XBRL companyfacts · 0001136893-26-000013Reads the filings themselves, above all the year-over-year diff of Item 1A risk factors: which risks a company added, dropped or quietly reworded since its last annual report.
Which filings the desk reads
The desk reads the annual 10-K in full: its risk factors, and how they changed since last year. Quarterly 10-Qs and event filings (8-Ks, insider Form 4s) are listed for context but not read line by line: the 10-K is where the material risk disclosures live. A brand-new company, or one we have only just begun tracking, may have no annual report on file yet; its risk analysis fills in once that lands.
As of December 31, 2025, goodwill aggregated to $17.8 billion (53% of total assets) and intangible assets aggregated to $1.0 billion (3% of total assets).
10-K filed 2026-02-24As of December 31, 2025, total debt was approximately $13.1 billion, and the company disclosed that on January 9, 2026 it incurred approximately $7.7 billion of additional debt to finance the cash portion of the Issuer Solutions Acquisition, leaving indebtedness substantially greater than prior to the acquisition.
10-K filed 2026-02-24Reads the signal panel above (momentum, volatility, drawdown, relative strength and beta) and ranks each against the whole research universe rather than judging it in isolation.
Momentum measures are strongly negative as of 2026-09-18: 3‑month momentum -6.8%, 6‑month momentum -26.9%, and 12_1 momentum -39.8%.
Moneyta signal set · 2026-09-18weakened in debatePrice is below both common moving averages as of 2026-09-18: price vs 50‑day SMA -13.9% and price vs 200‑day SMA -25.5%, and the security has not registered a golden cross.
Moneyta signal set · 2026-09-18Reads which funds hold the name and at what weight, plus insider Form 4 filings, to show the exposure you may already carry through index funds.
Institutional holders reported a total of $19.57B in FIS as of the 13F reporting period ended 30 June 2026; the 13F dataset lists 863 holders and shows a quarter-over-quarter value change of -98.8%.
13F holdings · 863 filers · as of 2026-06-30weakened in debateTop reported 13F holders in the period ended 30 June 2026 include Dodge & Cox ($1.91B), BlackRock, Inc. ($1.73B), VANGUARD CAPITAL MANAGEMENT LLC ($1.31B), JPMORGAN CHASE & CO ($1.03B), and STATE STREET CORP ($1.00B).
13F holdings · 863 filers · as of 2026-06-30Reads recent headlines that are genuinely about this company, ignoring rating chatter and market-wide stories. Findings argue in the debate but never move the sentiment score.
Multiple recent headlines focus on FIS' core banking contract wins and describe them as record or momentum-building across community and regional banking.
News · leaprate.com · 2026-09-13Company announcements and syndicated coverage emphasize these core banking wins as opening opportunities for deeper digital banking, payments, lending and data products.
News · finance.yahoo.com · 2026-09-17Reads parsed Forms 3/4/5: who bought or sold, at what size, and whether a 10b5-1 plan was involved. Flags clustered open-market officer buying; treats plan sales as routine and never counts a fund or 10%-holder as an officer.
No insider transactions on file in the trailing 180 days.
Reads the implied-expectations math built from the company's own filings (the growth rate today's price would justify, and the multiples beside it) and argues whether the market's bar looks high or low for this business. Never turns the math into a target.
The valuation calculation produces an implied free cash flow growth rate of -14.24% (implied_growth = -0.1424) at the given price and discount/terminal assumptions.
Valuation inputs · SEC XBRL + stored EOD closePrice to free cash flow (price_to_fcf) is 7.1, with trailing twelve‑month free cash flow of $2,594,000,000 and FCF per share of $5.0174.
Valuation inputs · SEC XBRL + stored EOD closeDebate and risk review
A bull and a bear contest the claims and the chair rules on each; the risk review stress-tests what survived.
A bull and a bear argue the analysts' claims across two rounds, then a chair rules on each one. Only what survives feeds the score. The argument is shown, not hidden, so you can judge the reasoning yourself.
The body of company-filed evidence shows multi-quarter revenue and gross-profit expansion (fundamentals-0, fundamentals-1) alongside an overall recovery in operating income by Q2 2026 after a Q1 dip (fundamentals-3). Trailing valuation and cash-flow metrics signal valuation leverage to reported operating performance: low P/FCF (valuation-1), P/E (valuation-2) and EV/EBITDA (valuation-3) are supported by material trailing FCF and EBITDA figures, and the company reported active buybacks and modestly lower diluted share counts (fundamentals-8, fundamentals-6), which together tighten per-share economics. Recent news items and industry recognition point to company-specific commercial momentum in core banking wins that could deepen cross-sell into payments and data products (news-0, news-1, news-4, news-5). The bearish points around elevated long-term debt (fundamentals-5, filings-1) and weak price momentum (market-0, market-2, market-3) are factual, but they sit alongside maintained investment-grade ratings (filings-2), positive cash on hand (fundamentals-7) and strong trailing free cash flow (valuation-1), so the net evidence has mixed strength: company-reported operating and cash-flow data are strong and contemporaneous; market-price signals and the post-acquisition debt increase are material but more structural and less directly tied to recent revenue/gross-profit trends.
Chair's verdict, claim by claim
Fragility · computed, not argued
balanced0.40
35 surviving claims rest on 13 distinct sources; the heaviest analyst carries 26% of them, and 96% of what the desk raised survived the debate.
The surviving read is supported by multiple document types so it’s not single-source hearsay, but a meaningful share of the claims trace back to a small set of contributors — that raises the risk that a single analyst or source revision could shift conclusions. The very high survival rate from the desk debate means the claims were resilient to internal challenge, which increases their informational weight, though concentrated analyst influence and large balance-sheet items remain points of fragility.
Peer context · computed, not argued
12-1 momentum ranks 8th of 10 in Information Technology Services (as of 2026-09-18).
6-month relative strength ranks 10th of 10 in Information Technology Services (as of 2026-09-18).
90-day volatility ranks 9th of 10 in Information Technology Services (as of 2026-09-18).
dividend yield ranks 1st of 10 in Information Technology Services (as of 2026-09-18).
Disconfirming evidence · base rates · falsifiers
Context
Outside consensus, and where this name already sits in your own portfolio.
Third-party consensus shown for context. It never enters Moneyta sentiment. When the two diverge, the debate above is where the why lives.
What this was built from
Every figure on this page traces to one of these. The desk reads only what is listed here (no outside knowledge, no browsing), and each card shows who read it and what it contributed to the score.
10 filings· 2 cited
SEC XBRL filings
Quarterly figures as filed with the SEC, read straight from EDGAR's structured data, not retyped or estimated.
Read by Mercer+0.1 to the score
5 documents· 3 cited
SEC filing documents
The filings themselves, including the year-over-year comparison of Item 1A risk factors.
Read by Oakes−1.0 to the score
1 signal set
Moneyta signal set
Computed from our own end-of-day price history and ranked against the whole research universe. No AI involved.
Read by Nash−1.3 to the score
3 holdings records· 1 cited
Fund holdings
Which funds hold this name and at what weight, plus insider Form 4 filings.
Read by Ellis+0.0 to the score
8 headlines· 2 cited
News coverage
Recent headlines about this company, rating chatter excluded and nothing published after the report date.
Read by Yatesnothing survived
1 computation
Valuation inputs
TTM cash-flow figures from the company's own XBRL filings, priced with the stored closing price. Implied growth and multiples only; no fair-value dollar figure reaches the desk, by design.
Read by Archercontext only
1 record· 0 cited
Company profile
Sector, industry and company details.
1 record· 0 cited
Analyst consensus
Third-party consensus, shown for context only; it never enters Moneyta sentiment.
Read means we pulled and handed it to an analyst; cited means a claim on this page points at it. Reading twelve quarters to state one trend is normal; the gap is shown rather than hidden.
Written by AI, checked against sources
The analysts, the bull–bear debate and the editor's note are AI agents reading only the evidence listed on this page. They can misread a filing or a headline, which is why every claim cites a source you can open and check yourself. The sentiment score is arithmetic over the claims that survived the debate, not a language model's opinion.
Educational analysis of published data. Moneyta does not give investment advice or make recommendations. Past patterns do not indicate future results.
The full terminal on FIS Gold
Who holds it, who's buying, what the Street thinks: live behind the lock, updated as filings land.
Institutional holders
Net institutional flow, Q/Q
Largest holder position
Insider buys, 90 days
Clustered insider value
Street target range
The real figures are for members. Educational analysis, not advice.
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Educational analysis of published data. Moneyta does not give investment advice or make recommendations.