Q3 2025 Fiserv Inc Earnings Call Transcript
Key Points
- Fiserv Inc (FI) has identified its outstanding SaaS and payment platforms as key strengths, uniquely positioned at the intersection of finance and commerce.
- The company is shifting its strategic focus to prioritize sustainable, client-focused opportunities, which is expected to position it for predictable and sustainable growth.
- Fiserv Inc (FI) is leveraging emerging technologies, including generative AI, to enhance its software solutions and improve operations.
- The company is building a world-class leadership team, including new co-presidents and a new CFO, to drive strategic initiatives and establish a culture of integrity and client service.
- Fiserv Inc (FI) has announced significant partnerships, such as with Nubank and a leading Japanese financial institution, to expand its market reach and drive digital payments transformation.
- Fiserv Inc (FI) has revised its growth targets due to slowing cyclical growth in Argentina and recalibration of optimistic growth assumptions.
- The company has identified competitive and client service gaps that need to be addressed through focused investment.
- Deferred investments and cost-cutting measures in the past have limited Fiserv Inc (FI)'s ability to serve clients effectively and grow revenue.
- The company's recent reliance on short-term initiatives has negatively impacted its growth and profitability.
- Fiserv Inc (FI) expects 2026 to be a critical investment and transition year, with organic revenue growth projected to be in the low single digits and adjusted EPS to be down modestly versus 2025.
Welcome to the Fiserv third-quarter 2025 earnings conference call. (Operator Instructions) As a reminder, today's call is being recorded.
At this time, I will turn the call over to Julie Chariell, Senior Vice President of Investor Relations at Fiserv.
Thank you, and good morning. With me on the call today are Mike Lyons, our Chief Executive Officer; and Paul Todd, Senior Adviser and incoming Chief Financial Officer.
Our earnings release and supplemental materials for the quarter are available on the Investor Relations section of fiserv.com. Please refer to these materials for an explanation of the non-GAAP financial measures discussed on this call along with the reconciliation of those measures to the nearest applicable GAAP measures. Unless otherwise stated, performance references are year-over-year comparisons.
Our remarks today will include forward-looking statements about, among other matters, expected operating and financial results and strategic initiatives. Forward
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