What Fiserv's latest 10-Q says: 6 signals
Fiserv filed its latest 10-Q with the SEC on Aug 7, 2026. It discusses acquisition completed, compliance burden and debt refinancing.
Public (FISV)IT Services and IT Consulting10,000+ employeesfiserv.comLinkedIn
- Filed
- Aug 7, 2026
- Filings
- 2
- Signals
- 18
10-Q · latest 10
What Fiserv's 10-Q filings say
- SEC EDGAR
10-Q
Filed · 6 signals
Fiserv raises €1.0B in new debt to refinance existing notes in June 2026.
The company is actively managing its capital structure, issuing €1.0B in new senior notes to repurchase older debt.
$1B
€1.0 billion public offering and issuance of senior notes
U.S. Bank Trust Company, National AssociationU.S. Bank Europe DAC, UK Branch
Fiserv ends Wells Fargo JV for $453M, signaling major partnership strategy overhaul.
Fiserv is restructuring its joint venture strategy, marked by the dissolution of its partnership with Wells Fargo (WFMS) and the full acquisition of other JVs.
$453M
Cash payment received from Wells Fargo upon expiration of the WFMS joint venture.
U.S. Bank Trust Company, National AssociationU.S. Bank Europe DACWells Fargo
Fiserv reports $30M Q2 loss due to currency devaluation in Argentina.
Significant currency devaluation in Argentina, a highly inflationary economy, led to a $30 million foreign currency exchange loss in Q2 2026.
$30M
Foreign currency exchange loss in Q2 2026 from Argentine operations.
Fiserv spends $442M to fully acquire AIBMS and ICICI joint ventures
Fiserv spent $420M to acquire the remaining stake in its AIBMS joint venture and $22M for its ICICI Merchant Services venture, consolidating control of these international subsidiaries.
$442M
Total cost to acquire remaining ownership in AIBMS ($420M) and ICICI Merchant Services ($22M)
Fiserv must maintain debt-to-adjusted net income ratio below 3.75x to comply with debt covenants.
The company is bound by strict financial covenants on its $8.0 billion revolving credit facility, requiring constant monitoring of its debt-to-income ratio.
$8B
Maximum aggregate principal amount of availability on revolving credit facility subject to covenants
3.75%
Maximum consolidated indebtedness to consolidated adjusted net income ratio
- SEC EDGAR
10-Q
Filed · 12 signals
Capital expenditures increased 37% YoY to $458 million, including software investments.
Fiserv increased its capital expenditures to $458 million in Q1 2026, a 37% jump from $335 million in the prior year.
$458M
Capital expenditures, including capitalized software and other intangibles for the first three months of 2026
37%
Year-over-year increase in capital expenditures
capitalized software
Joint venture with Wells Fargo (WFMS) terminated in April 2025.
The joint venture with Wells Fargo Merchant Services (WFMS) ended following a notice of non-renewal from Wells Fargo.
$453M
Cash payment received upon expiration of the WFMS joint venture
Wells Fargo
Fiserv spent $857M on 8 acquisitions, signaling major post-merger integration needs.
Fiserv's acquisition of eight companies, including StoneCastle, CardFree, and CCV, for $857 million creates significant IT and operational integration challenges.
$857M
Aggregate purchase price for eight acquisitions in 2025
StoneCastleTD Merchant CanadaSCGCardFree
Operating cash flow decreased 8% YoY due to lower profitability.
Operating cash flow fell by 8% to $599 million compared to the prior year, a decline the company directly attributes to lower profitability.
$-49M
Year-over-year decrease in net cash provided by operating activities
-8%
Decrease in operating cash flow compared to the first three months of 2025
Fiserv increased CapEx by 37% to $458M in Q1 2026, including software investments.
The significant 37% year-over-year increase in capital expenditures, which explicitly includes capitalized software, indicates major investments in technology infrastructure and product development.
$458M
Q1 2026 Capital expenditures, including capitalized software
37%
YoY increase in capital expenditures
software
Showing 10 of 18 filing signals. The Signal API returns all of them.
Get them with one API callEarnings calls
Fiserv earnings headlines
From earnings call transcripts (Signal API type earnings-transcripts).
| Call date | What the company said |
|---|---|
| Announced massive leadership overhaul, including new Co-Presidents, CFO, and Board Chairman.A complete leadership refresh is underway, with a new CEO, new Co-Presidents, a new CFO, and a new Board Chairman. Such sweeping changes often trigger strategic reviews and create openings for new vendors as the new team re-evaluates existing relationships and seeks partners to support their new vision. | |
| Announcing new Co-Presidents, CFO, and Board members to drive transformation.A massive leadership overhaul, including a new CFO, two new Co-Presidents, and three new board members, signals a significant strategic shift and a prime opportunity for vendor reviews. New leaders often re-evaluate existing contracts and bring in their own preferred partners. | |
| Investing to streamline 16 core banking platforms down to 5.The company is actively investing in a massive tech consolidation project to modernize its core banking offerings and embed real-time capabilities and AI. This is a large-scale, multi-year project with significant budget attached, creating opportunities for platform migration, cloud, and data management vendors. | |
| Investing to fix client service gaps caused by previously deferred investments.CEO admits that past decisions to defer investments and cut costs have hurt client service and product launches. The company is now actively investing to fix these 'self-inflicted' issues, creating a prime opportunity for vendors offering solutions in customer experience, service automation, and tech implementation. | |
| Significantly lowered 2025 guidance and set weak preliminary outlook for 2026.The company lowered its 2025 organic revenue growth guidance to 3.5-4% and expects a modest EPS decline. Furthermore, 2026 is positioned as a 'transition year' with low single-digit revenue growth and another modest EPS decline, indicating a period of significant internal change and investment. | |
| Working with McKinsey to optimize business mix and divest non-critical assets.The company is undergoing a strategic review of its business portfolio with plans to sell off non-core units. This restructuring creates uncertainty and opportunities as divisions are spun off or integrated, often leading to re-evaluation of technology and service contracts. |
Signal API · MCP
Track Fiserv with the Signal API
One POST /v1/companies/enrich call with fiserv.com returns Fiserv 10-Q signals (sec-10q), each with its source. Or ask Claude through MCP.
2 credits per signal returned; zero-result calls are free. Endpoint reference
curl -X POST https://signals.autobound.ai/v1/companies/enrich \
-H "X-API-KEY: $AUTOBOUND_API_KEY" \
-H "Content-Type: application/json" \
-d '{"domain":"fiserv.com","signal_types":["sec-10q"],"limit":20}'Same industry
10-Q at related companies
Questions about Fiserv 10-Q
When did Fiserv file its latest 10-Q?
What did Fiserv disclose in its latest 10-Q?
What did Fiserv say on its recent earnings calls?
Where can I read Fiserv's 10-Q filing?
Source. Quarterly reports (Form 10-Q) filed with the SEC. Every card links to the filing on EDGAR.
Method. Insights are extracted from the filing text and grouped by category. Numbers are quoted from the filing.
Data as of .