FISV
FISERV INCEvidence as of 2026-09-02Overview · FISERV INC
Fiserv, Inc., together with its subsidiaries, provides payment and financial services technology worldwide. The company operates through Acceptance, Fintech, and Payments segments. The Acceptance segment provides point-of-sale merchant acquiring and digital commerce services; mobile payment services; security and fraud protection products; Carat, an omnichannel commerce solution; Clover, a cloud-based point-of-sale a…
Management team
- Ms. Suzan Bulyaba Kereere · Exec. VP & Head of Global Bus. SolutionsFind on LinkedIn
- Mr. Adam L. Rosman · Chief Admin. Officer & Chief Legal OfficerFind on LinkedIn
- Mr. Guy Chiarello · Chief Operating OfficerFind on LinkedIn
- Mr. Robert W. Hau · Chief Financial OfficerFind on LinkedIn
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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.
−0.3 on a −2 to +2 scale — was −0.4 before the debate changed the read.
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.
The evidence balance is Mixed ( - 0.3 of a possible + 2; was - 0.4 before debate) with high confidence. Revenue in the comparable three‑month periods moved from $ 5,516,000,000 (period ending 2025-06-30) to $ 5,292,000,000 (period ending 2026-06-30). Operating income fell from $ 1,696,000,000 to $ 1,015,000,000 and net income declined from $ 1,026,000,000 to $ 627,000,000; diluted EPS moved from $ 1.86 to $ 1.17 over the same pair of quarters.
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 for the fiscal quarter 2025-04-01 to 2025-06-30 (3mo) was $5,516,000,000 (RevenueFromContractWithCustomerExcludingAssessedTax).
XBRL companyfacts · 0000798354-25-000163Revenue for the fiscal quarter 2026-04-01 to 2026-06-30 (3mo) was $5,292,000,000 (RevenueFromContractWithCustomerExcludingAssessedTax).
XBRL companyfacts · 0000798354-26-000031Reads 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.
Nothing in this slice of the evidence rose to a claim — a quiet read, which itself is information.
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.
Reads 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.
FISV's 12-1 momentum is -58.8%, ranking in the 3rd percentile of the 547-stock research universe as of 2026-09-02.
Moneyta signal set · 2026-09-02weakened in debateFISV's 6-month momentum is -17.0% and its 6-month relative strength versus SPY is -29.0%, with momentum ranked in the 10th percentile and relative strength in the 10th percentile of the 547-stock universe as of 2026-09-02.
Moneyta signal set · 2026-09-02weakened in debateReads 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.
As of 2026-09-02T13:45:47.228469+00:00, FISV is a constituent of the ETF with symbol IVV at a weight of 0.04% of that fund.
ETF constituents · market dataThis record documents factual passive fund exposure to FISV via IVV at the 0.04% weight level as of the timestamp shown.
ETF constituents · market dataReads 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 13F-driven stories report new or changed institutional stakes in Fiserv during the second quarter (Jupiter Topco LLC purchased 66,820 shares; Public Employees Retirement System of Ohio acquired 166,584 shares; Kerrisdale Advisers LLC increased holdings by 369.4%; Nichols & Pratt Advisers LLP reduced its stake by 8.0%).
News · thelincolnianonline.com · 2026-09-02A separate 13F report covering the same period notes the Public Employees Retirement System of Ohio made a new investment of 166,584 shares in the second quarter.
News · thelincolnianonline.com · 2026-09-01Reads 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 model-implied free cash flow (FCF) growth rate that today's price would justify is 4.77%.
Valuation inputs · SEC XBRL + stored EOD closePrice-to-trailing-12-month free cash flow (P/FCF) is 16.75 based on FCF TTM of $1.656 billion and the quoted share/price data.
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 evidence indicates a company still generating meaningful cash flow and trading at relatively modest multiples: trailing FCF of $1.656B, trailing operating cash flow of $3.208B (valuation-4), a P/FCF of 16.75 (valuation-1) and a model-implied FCF growth requirement of only 4.77% to justify the current price (valuation-0). Share count has declined steadily (fundamentals-5), which strengthens per-share metrics and is consistent with active capital allocation. Recent commercial wins and partnerships (news-6, news-4, news-5) and documented institutional trades (news-0, news-1, news-2) provide corroborating operational and market interest signals. The bearish points about momentum and drawdown are market-timing signals that may reflect sector or macro rotation rather than company cash-generation and valuation fundamentals, so their weight is weaker relative to the direct financial metrics above.
Chair's verdict, claim by claim
Fragility · computed, not argued
balanced0.36
28 surviving claims rest on 13 distinct sources; the heaviest analyst carries 29% of them, and 95% of what the desk raised survived the debate.
The read rests on a modest number of distinct sources and a relatively small set of analysts, so while most claims survived internal debate (high survivorship), the evidence is somewhat concentrated. That concentration plus a single analyst carrying nearly a third of surviving claims means the read can be informative but should be weighted with caution — corroboration from additional independent sources would strengthen confidence.
Peer context · computed, not argued
12-1 momentum ranks 10th of 10 in Information Technology Services (as of 2026-09-02).
6-month relative strength ranks 9th of 10 in Information Technology Services (as of 2026-09-02).
90-day volatility ranks 8th of 10 in Information Technology Services (as of 2026-09-02).
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.
15 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−0.8 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−1.2 to the score
1 holdings record
Fund holdings
Which funds hold this name and at what weight, plus insider Form 4 filings.
Read by Ellis+1.0 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.
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The full terminal on FISV 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.
Educational analysis of published data. Moneyta does not give investment advice or make recommendations.