0IP9.L
Fiserv Inc
Q2 2025 Report
Fiserv Inc (0IP9.L) Q2 2025 Financial Results - Strong Growth with Increasing Profit Margins...
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Executive Summary
Fiserv Inc reported total revenue of $5.215 billion for Q3 2024, representing a healthy growth of 7.02% year-over-year and 2.11% quarter-over-quarter. Despite this growth in revenue, net income decreased significantly by 40.76% year-over-year and 36.91% sequentially to $564 million as the company navigated rising costs and challenges in operational efficiency. The operating income margin improved to 30.72%, signaling management's efforts in controlling operating expenses. Significant investments in technology and product enhancements remain pivotal in driving future growth.
Management reiterated their focus on expanding the Acceptance and Fintech segments, which are crucial to sustaining competitive advantage in the rapidly evolving payments landscape. Emphasis on optimizing operational costs and integrating technological advancements will be key as Fiserv continues to address market pressures and maintain service excellence in a diverse client portfolio.
Key Performance Indicators
Revenue
5.22B
QoQ: 2.11% | YoY:7.02%
Gross Profit
3.21B
61.51% margin
QoQ: 2.66% | YoY:7.69%
Operating Income
1.60B
QoQ: 12.18% | YoY:6.59%
Net Income
564.00M
QoQ: -36.91% | YoY:-40.76%
EPS
0.98
QoQ: -35.95% | YoY:-37.58%
Revenue Trend
Margin Analysis
Key Insights
1. **Revenue**: Increased to $5.215 billion (QoQ: +2.11%, YoY: +7.02%) 2. **Gross Profit**: $3.208 billion (Gross Margin: 61.5%, QoQ: +2.66%, YoY: +7.69%) 3. **Operating Income**: $1.602 billion (Operating Margin: 30.72%, QoQ: +12.18%, YoY: +6.59%) 4. **Net Income**: $564 million (Net Margin: 10.8%, QoQ: -36.91%, YoY: -40.76%) 5. **EPS**: $0.98 (QoQ: -35.95%, YoY: -37.58%) 6. **Free Cash Flow**: $1.836 billion...