Fiserv must maintain debt-to-adjusted net income ratio below 3.75x to comply with debt covenants.

{
  "signal_id": "02d6da19-460f-4944-86c9-67226462ca12",
  "signal_type": "sec-10q",
  "signal_subtype": "complianceBurden",
  "detected_at": "2026-08-11T08:11:18.346+00:00",
  "company": {
    "name": "Fiserv",
    "domain": "fiserv.com"
  },
  "data": {
    "detail": "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. This creates a need for sophisticated financial planning, analysis (FP&A), and reporting tools to ensure compliance and avoid default.",
    "metrics": {
      "pct": 3.75,
      "timeframe": "current_quarter",
      "pct_context": "Maximum consolidated indebtedness to consolidated adjusted net income ratio",
      "dollar_context": "Maximum aggregate principal amount of availability on revolving credit facility subject to covenants",
      "dollar_millions": 8000
    },
    "summary": "Fiserv must maintain debt-to-adjusted net income ratio below 3.75x to comply with debt covenants.",
    "excerpts": "The revolving credit facility contains various restrictions and covenants that require us to, among other things, limit our consolidated indebtedness as of the end of each fiscal quarter to no more than 3.75 times our consolidated net income before interest, taxes, depreciation, amortization, non-cash charges and expenses and certain other adjustments during the period of four fiscal quarters then ended, subject to certain exceptions.",
    "relevance": 0.7,
    "sentiment": "negative",
    "confidence": "high",
    "source_url": "https://www.sec.gov/Archives/edgar/data/798354/000079835426000031/fisv-20260630.htm",
    "filing_date": "2026-08-07",
    "filing_year": 2026,
    "fiscal_year": 0,
    "fiscal_year_end": "06/30",
    "sales_relevance": "GRC tools needed",
    "signal_category": "risk"
  }
}

curl https://signals.autobound.ai/v1/signals/02d6da19-460f-4944-86c9-67226462ca12 \
  -H "X-API-KEY: $AUTOBOUND_API_KEY"

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","limit":20}'