The company’s merchant solutions unit, which provides point-of-sale technology to retailers, drove the quarter’s performance with a 2% revenue increase. This growth helped mitigate a 2% decline in the financial solutions division, where spending by banks and other lenders softened. Despite the mixed segment performance, Fiserv’s adjusted earnings reached $1.99 a share, comfortably exceeding the $1.90 consensus estimate from analysts polled by FactSet.

Profitability and 2026 Outlook

On a GAAP basis, Fiserv’s net income fell to $811 million, or $1.51 per share, down from $938 million a year earlier. Management attributed the broader revenue beat to strong organic demand, even as the company navigates a transition period for its legacy banking services. Looking ahead, the firm issued guidance for 2026, projecting adjusted earnings between $8.00 and $8.30 per share.

The company’s long-term strategy relies on sustained organic revenue growth, which it expects to remain between 1% and 3% through 2026. This outlook follows a transition from 2025, during which the company recorded adjusted earnings of $8.64 a share.

• Total revenue reached $5.28 billion against a $4.9 billion forecast.
• Merchant solutions revenue rose 2% behind retail technology demand.
• Financial solutions revenue contracted by 2% year-over-year.