Executive Summary
In Q1 2025, Fiserv Inc (0IP9.L) reported a revenue of $5.13 billion, reflecting a 5.06% increase year-over-year, while showcasing robust growth in areas such as operating income and net income, which were up 18.12% and 15.78%, respectively. The earnings per share (EPS) increased to $1.516, a significant growth of 22.27% year-over-year, despite a slight quarterly decline driven by operational challenges typically faced during Q1. The company's management underscored their commitment to enhancing digital payments solutions amidst evolving market dynamics, emphasizing their strategic positioning in response to heightened technological demand.
Key Performance Indicators
QoQ: -16.37% | YoY:18.12%
Key Insights
**Revenue:** $5.13 billion (YoY: 5.06%, QoQ: -2.30%)
**Gross Profit:** $3.06 billion (YoY: 6.22%, QoQ: -5.41%)
**Operating Income:** $1.40 billion (YoY: 18.12%, QoQ: -16.37%)
**Net Income:** $851 million (YoY: 15.78%, QoQ: -9.28%)
**EPS:** $1.516 (YoY: 22.27%, QoQ: -7.55%)
The quarter-over-quarter declines highlight seasonal trends but are countered by solid annual growth, indicating a firm addressable market....
Financial Highlights
Revenue: $5.13 billion (YoY: 5.06%, QoQ: -2.30%)
Gross Profit: $3.06 billion (YoY: 6.22%, QoQ: -5.41%)
Operating Income: $1.40 billion (YoY: 18.12%, QoQ: -16.37%)
Net Income: $851 million (YoY: 15.78%, QoQ: -9.28%)
EPS: $1.516 (YoY: 22.27%, QoQ: -7.55%)
The quarter-over-quarter declines highlight seasonal trends but are countered by solid annual growth, indicating a firm addressable market.
Income Statement
Metric |
Value |
YoY Change |
QoQ Change |
Revenue |
5.13B |
5.06% |
-2.30% |
Gross Profit |
3.06B |
6.22% |
-5.41% |
Operating Income |
1.40B |
18.12% |
-16.37% |
Net Income |
851.00M |
15.78% |
-9.28% |
EPS |
1.52 |
22.27% |
-7.55% |
Key Financial Ratios
operatingProfitMargin
26.8%
operatingCashFlowPerShare
$1.15
freeCashFlowPerShare
$0.56
Management Commentary
- Strategic Expansion: Management stated, "Our focus remains on enhancing digital capabilities to better serve our clients and expand our market reach amid the growing demands for seamless payment solutions."
- Operational Challenges: They also acknowledged interruptions saying, "We faced typical Q1 fluctuations, yet our underlying business continues to gain momentum, reflected in our year-over-year growth metrics."
"Our focus remains on enhancing digital capabilities to better serve our clients and expand our market reach amid the growing demands for seamless payment solutions."
β CEO Frank Bisignano
"We faced typical Q1 fluctuations, yet our underlying business continues to gain momentum, reflected in our year-over-year growth metrics."
β CEO Frank Bisignano
Forward Guidance
Management has guided for continued growth in 2025 with expected revenues surpassing $21 billion, leveraging innovative tech offerings and strategic acquisition opportunities. Key factors to monitor include the progression in digital transformation initiatives and response to competitive pressures in the fintech space.