F

FISERV INC

FISV · CIK 0000798354

19 fiscal years · 0 SEC filings · every number carries its receipt

Revenue (FY)
$21.19B3.6%
FY2025
Net income (FY)
$3.48B11.1%
FY2025
Free cash flow (FY)
$4.30B15.1%
FY2025
Diluted EPS (FY)
$6.3417.8%
FY2025
The story, charted

The shape of the business

FY2007–FY2025 · hover any year for its receipt
Revenue & net incomeRevenueNet income
$0$10B$20BFY2007 · Revenue $3.68B · Net income $439.0M · 0001193125-10-042577 · filed 2010-02-26FY07Revenue $3.68BNet income $439.0M0001193125-10-042577 · filed 2010-02-26FY2008 · Revenue $4.59B · Net income $569.0M · 0001193125-11-045000 · filed 2011-02-24FY08Revenue $4.59BNet income $569.0M0001193125-11-045000 · filed 2011-02-24FY2009 · Revenue $4.08B · Net income $476.0M · 0001193125-12-077375 · filed 2012-02-24FY09Revenue $4.08BNet income $476.0M0001193125-12-077375 · filed 2012-02-24FY2010 · Revenue $4.13B · Net income $496.0M · 0001193125-13-071589 · filed 2013-02-22FY10Revenue $4.13BNet income $496.0M0001193125-13-071589 · filed 2013-02-22FY2011 · Revenue $4.29B · Net income $472.0M · 0001193125-14-060861 · filed 2014-02-20FY11Revenue $4.29BNet income $472.0M0001193125-14-060861 · filed 2014-02-20FY2012 · Revenue $4.44B · Net income $611.0M · 0001193125-15-056319 · filed 2015-02-20FY12Revenue $4.44BNet income $611.0M0001193125-15-056319 · filed 2015-02-20FY2013 · Revenue $4.81B · Net income $648.0M · 0001628280-16-011435 · filed 2016-02-19FY13Revenue $4.81BNet income $648.0M0001628280-16-011435 · filed 2016-02-19FY2014 · Revenue $5.07B · Net income $754.0M · 0000798354-17-000006 · filed 2017-02-23FY14Revenue $5.07BNet income $754.0M0000798354-17-000006 · filed 2017-02-23FY2015 · Revenue $5.25B · Net income $712.0M · 0000798354-18-000005 · filed 2018-02-22FY15Revenue $5.25BNet income $712.0M0000798354-18-000005 · filed 2018-02-22FY2016 · Revenue $5.50B · Net income $930.0M · 0000798354-19-000005 · filed 2019-02-21FY16Revenue $5.50BNet income $930.0M0000798354-19-000005 · filed 2019-02-21FY2017 · Revenue $5.70B · Net income $1.25B · 0000798354-20-000006 · filed 2020-02-27FY17Revenue $5.70BNet income $1.25B0000798354-20-000006 · filed 2020-02-27FY2018 · Revenue $5.82B · Net income $1.19B · 0000798354-21-000004 · filed 2021-02-26FY18Revenue $5.82BNet income $1.19B0000798354-21-000004 · filed 2021-02-26FY2019 · Revenue $10.19B · Net income $893.0M · 0000798354-22-000004 · filed 2022-02-24FY19Revenue $10.19BNet income $893.0M0000798354-22-000004 · filed 2022-02-24FY2020 · Revenue $14.85B · Net income $958.0M · 0000798354-22-000004 · filed 2022-02-24 · 0000798354-23-000004 · filed 2023-02-23FY20Revenue $14.85BNet income $958.0M0000798354-22-000004 · filed 2022-02-24 · 0000798354-23-000004 · filed 2023-02-23FY2021 · Revenue $16.23B · Net income $1.33B · 0000798354-22-000004 · filed 2022-02-24 · 0000798354-24-000037 · filed 2024-02-22FY21Revenue $16.23BNet income $1.33B0000798354-22-000004 · filed 2022-02-24 · 0000798354-24-000037 · filed 2024-02-22FY2022 · Revenue $17.74B · Net income $2.53B · 0000798354-25-000047 · filed 2025-02-20FY22Revenue $17.74BNet income $2.53B0000798354-25-000047 · filed 2025-02-20FY2023 · Revenue $19.09B · Net income $3.07B · 0000798354-26-000009 · filed 2026-02-19FY23Revenue $19.09BNet income $3.07B0000798354-26-000009 · filed 2026-02-19FY2024 · Revenue $20.46B · Net income $3.13B · 0000798354-26-000009 · filed 2026-02-19FY24Revenue $20.46BNet income $3.13B0000798354-26-000009 · filed 2026-02-19FY2025 · Revenue $21.19B · Net income $3.48B · 0000798354-26-000009 · filed 2026-02-19FY25Revenue $21.19BNet income $3.48B0000798354-26-000009 · filed 2026-02-19FY25Revenue $21.19BNet income $3.48B0000798354-26-000009 · filed 2026-02-19FY07FY10FY13FY16FY19FY22FY25

revenue 5.8× since FY2007 · net margin 11.9% → 16.4%

MarginsNet marginFCF margin
0%10%20%FY2007 · Net margin 11.9% · FCF margin 10.7%FY07Net margin 11.9%FCF margin 10.7%derived: net income ÷ revenue · derived: (ocf − capex) ÷ revenueFY2008 · Net margin 12.4% · FCF margin 12.4%FY08Net margin 12.4%FCF margin 12.4%derived: net income ÷ revenue · derived: (ocf − capex) ÷ revenueFY2009 · Net margin 11.7% · FCF margin 16.0%FY09Net margin 11.7%FCF margin 16.0%derived: net income ÷ revenue · derived: (ocf − capex) ÷ revenueFY2010 · Net margin 12.0% · FCF margin 18.9%FY10Net margin 12.0%FCF margin 18.9%derived: net income ÷ revenue · derived: (ocf − capex) ÷ revenueFY2011 · Net margin 11.0% · FCF margin 17.6%FY11Net margin 11.0%FCF margin 17.6%derived: net income ÷ revenue · derived: (ocf − capex) ÷ revenueFY2012 · Net margin 13.8% · FCF margin 14.3%FY12Net margin 13.8%FCF margin 14.3%derived: net income ÷ revenue · derived: (ocf − capex) ÷ revenueFY2013 · Net margin 13.5% · FCF margin 16.7%FY13Net margin 13.5%FCF margin 16.7%derived: net income ÷ revenue · derived: (ocf − capex) ÷ revenueFY2014 · Net margin 14.9% · FCF margin 20.0%FY14Net margin 14.9%FCF margin 20.0%derived: net income ÷ revenue · derived: (ocf − capex) ÷ revenueFY2015 · Net margin 13.6% · FCF margin 18.8%FY15Net margin 13.6%FCF margin 18.8%derived: net income ÷ revenue · derived: (ocf − capex) ÷ revenueFY2016 · Net margin 16.9% · FCF margin 20.7%FY16Net margin 16.9%FCF margin 20.7%derived: net income ÷ revenue · derived: (ocf − capex) ÷ revenueFY2017 · Net margin 21.9% · FCF margin 21.0%FY17Net margin 21.9%FCF margin 21.0%derived: net income ÷ revenue · derived: (ocf − capex) ÷ revenueFY2018 · Net margin 20.4% · FCF margin 20.5%FY18Net margin 20.4%FCF margin 20.5%derived: net income ÷ revenue · derived: (ocf − capex) ÷ revenueFY2019 · Net margin 8.8% · FCF margin 20.4%FY19Net margin 8.8%FCF margin 20.4%derived: net income ÷ revenue · derived: (ocf − capex) ÷ revenueFY2020 · Net margin 6.5% · FCF margin 21.9%FY20Net margin 6.5%FCF margin 21.9%derived: net income ÷ revenue · derived: (ocf − capex) ÷ revenueFY2021 · Net margin 8.2% · FCF margin 17.7%FY21Net margin 8.2%FCF margin 17.7%derived: net income ÷ revenue · derived: (ocf − capex) ÷ revenueFY2022 · Net margin 14.3% · FCF margin 17.7%FY22Net margin 14.3%FCF margin 17.7%derived: net income ÷ revenue · derived: (ocf − capex) ÷ revenueFY2023 · Net margin 16.1% · FCF margin 19.8%FY23Net margin 16.1%FCF margin 19.8%derived: net income ÷ revenue · derived: (ocf − capex) ÷ revenueFY2024 · Net margin 15.3% · FCF margin 24.7%FY24Net margin 15.3%FCF margin 24.7%derived: net income ÷ revenue · derived: (ocf − capex) ÷ revenueFY2025 · Net margin 16.4% · FCF margin 20.3%FY25Net margin 16.4%FCF margin 20.3%derived: net income ÷ revenue · derived: (ocf − capex) ÷ revenueFY25Net margin 16.4%FCF margin 20.3%derived: net income ÷ revenue · derived: (ocf − capex) ÷ revenue’09’13’17’21’25

FY2025: net 16.4% · free cash flow 20.3% of revenue

Cash engineOperating cash flowFree cash flow
$0$2B$4B$6BFY2007 · OCF $547.0M · FCF $395.0M · 0001193125-10-042577 · filed 2010-02-26FY07OCF $547.0MFCF $395.0M0001193125-10-042577 · filed 2010-02-26FY2008 · OCF $766.0M · FCF $568.0M · 0001193125-11-045000 · filed 2011-02-24FY08OCF $766.0MFCF $568.0M0001193125-11-045000 · filed 2011-02-24FY2009 · OCF $850.0M · FCF $652.0M · 0001193125-12-077375 · filed 2012-02-24FY09OCF $850.0MFCF $652.0M0001193125-12-077375 · filed 2012-02-24FY2010 · OCF $958.0M · FCF $783.0M · 0001193125-13-071589 · filed 2013-02-22FY10OCF $958.0MFCF $783.0M0001193125-13-071589 · filed 2013-02-22FY2011 · OCF $945.0M · FCF $755.0M · 0001193125-14-060861 · filed 2014-02-20FY11OCF $945.0MFCF $755.0M0001193125-14-060861 · filed 2014-02-20FY2012 · OCF $826.0M · FCF $633.0M · 0001193125-15-056319 · filed 2015-02-20FY12OCF $826.0MFCF $633.0M0001193125-15-056319 · filed 2015-02-20FY2013 · OCF $1.04B · FCF $803.0M · 0001628280-16-011435 · filed 2016-02-19FY13OCF $1.04BFCF $803.0M0001628280-16-011435 · filed 2016-02-19FY2014 · OCF $1.31B · FCF $1.01B · 0000798354-17-000006 · filed 2017-02-23FY14OCF $1.31BFCF $1.01B0000798354-17-000006 · filed 2017-02-23FY2015 · OCF $1.35B · FCF $987.0M · 0000798354-18-000005 · filed 2018-02-22FY15OCF $1.35BFCF $987.0M0000798354-18-000005 · filed 2018-02-22FY2016 · OCF $1.43B · FCF $1.14B · 0000798354-19-000005 · filed 2019-02-21FY16OCF $1.43BFCF $1.14B0000798354-19-000005 · filed 2019-02-21FY2017 · OCF $1.48B · FCF $1.20B · 0000798354-20-000006 · filed 2020-02-27FY17OCF $1.48BFCF $1.20B0000798354-20-000006 · filed 2020-02-27FY2018 · OCF $1.55B · FCF $1.19B · 0000798354-21-000004 · filed 2021-02-26FY18OCF $1.55BFCF $1.19B0000798354-21-000004 · filed 2021-02-26FY2019 · OCF $2.79B · FCF $2.07B · 0000798354-22-000004 · filed 2022-02-24FY19OCF $2.79BFCF $2.07B0000798354-22-000004 · filed 2022-02-24FY2020 · OCF $4.15B · FCF $3.25B · 0000798354-23-000004 · filed 2023-02-23FY20OCF $4.15BFCF $3.25B0000798354-23-000004 · filed 2023-02-23FY2021 · OCF $4.03B · FCF $2.87B · 0000798354-24-000037 · filed 2024-02-22FY21OCF $4.03BFCF $2.87B0000798354-24-000037 · filed 2024-02-22FY2022 · OCF $4.62B · FCF $3.14B · 0000798354-25-000047 · filed 2025-02-20FY22OCF $4.62BFCF $3.14B0000798354-25-000047 · filed 2025-02-20FY2023 · OCF $5.16B · FCF $3.77B · 0000798354-26-000009 · filed 2026-02-19FY23OCF $5.16BFCF $3.77B0000798354-26-000009 · filed 2026-02-19FY2024 · OCF $6.63B · FCF $5.06B · 0000798354-26-000009 · filed 2026-02-19FY24OCF $6.63BFCF $5.06B0000798354-26-000009 · filed 2026-02-19FY2025 · OCF $6.06B · FCF $4.30B · 0000798354-26-000009 · filed 2026-02-19FY25OCF $6.06BFCF $4.30B0000798354-26-000009 · filed 2026-02-19FY25OCF $6.06BFCF $4.30B0000798354-26-000009 · filed 2026-02-19’09’13’17’21’25

FY2025: $6.06B operating cash − $1.76B capex = $4.30B free cash flow

Returns on capitalReturn on equityReturn on assets
0%20%40%FY2008 · ROE 21.9% · ROA 6.1%FY08ROE 21.9%ROA 6.1%derived: net income ÷ equity · derived: net income ÷ assetsFY2009 · ROE 15.7% · ROA 5.7%FY09ROE 15.7%ROA 5.7%derived: net income ÷ equity · derived: net income ÷ assetsFY2010 · ROE 15.4% · ROA 6.0%FY10ROE 15.4%ROA 6.0%derived: net income ÷ equity · derived: net income ÷ assetsFY2011 · ROE 14.5% · ROA 5.5%FY11ROE 14.5%ROA 5.5%derived: net income ÷ equity · derived: net income ÷ assetsFY2012 · ROE 17.9% · ROA 7.2%FY12ROE 17.9%ROA 7.2%derived: net income ÷ equity · derived: net income ÷ assetsFY2013 · ROE 18.1% · ROA 6.8%FY13ROE 18.1%ROA 6.8%derived: net income ÷ equity · derived: net income ÷ assetsFY2014 · ROE 22.9% · ROA 8.1%FY14ROE 22.9%ROA 8.1%derived: net income ÷ equity · derived: net income ÷ assetsFY2015 · ROE 26.8% · ROA 7.6%FY15ROE 26.8%ROA 7.6%derived: net income ÷ equity · derived: net income ÷ assetsFY2016 · ROE 36.6% · ROA 9.5%FY16ROE 36.6%ROA 9.5%derived: net income ÷ equity · derived: net income ÷ assetsFY2017 · ROE 45.6% · ROA 12.1%FY17ROE 45.6%ROA 12.1%derived: net income ÷ equity · derived: net income ÷ assetsFY2018 · ROE 51.8% · ROA 10.5%FY18ROE 51.8%ROA 10.5%derived: net income ÷ equity · derived: net income ÷ assetsFY2019 · ROE 2.7% · ROA 1.2%FY19ROE 2.7%ROA 1.2%derived: net income ÷ equity · derived: net income ÷ assetsFY2020 · ROE 3.0% · ROA 1.3%FY20ROE 3.0%ROA 1.3%derived: net income ÷ equity · derived: net income ÷ assetsFY2021 · ROE 4.3% · ROA 1.7%FY21ROE 4.3%ROA 1.7%derived: net income ÷ equity · derived: net income ÷ assetsFY2022 · ROE 8.2% · ROA 3.0%FY22ROE 8.2%ROA 3.0%derived: net income ÷ equity · derived: net income ÷ assetsFY2023 · ROE 10.3% · ROA 3.4%FY23ROE 10.3%ROA 3.4%derived: net income ÷ equity · derived: net income ÷ assetsFY2024 · ROE 11.6% · ROA 4.1%FY24ROE 11.6%ROA 4.1%derived: net income ÷ equity · derived: net income ÷ assetsFY2025 · ROE 13.5% · ROA 4.3%FY25ROE 13.5%ROA 4.3%derived: net income ÷ equity · derived: net income ÷ assetsFY25ROE 13.5%ROA 4.3%derived: net income ÷ equity · derived: net income ÷ assets’09’13’17’21’25

return on equity 22% (FY2008) → 13% (FY2025) · on assets 4.3%

Balance sheetLiabilitiesEquity
$0$50BFY2008 · Liabilities $6.74B · Equity $2.59BFY08Liabilities $6.74BEquity $2.59B0001193125-10-042577 · filed 2010-02-26FY2009 · Liabilities $5.35B · Equity $3.03BFY09Liabilities $5.35BEquity $3.03B0001193125-11-045000 · filed 2011-02-24FY2010 · Liabilities $5.05B · Equity $3.23BFY10Liabilities $5.05BEquity $3.23B0001193125-12-077375 · filed 2012-02-24FY2011 · Liabilities $5.29B · Equity $3.26BFY11Liabilities $5.29BEquity $3.26B0001193125-13-071589 · filed 2013-02-22FY2012 · Liabilities $5.08B · Equity $3.42BFY12Liabilities $5.08BEquity $3.42B0001193125-14-060861 · filed 2014-02-20FY2013 · Liabilities $5.93B · Equity $3.58BFY13Liabilities $5.93BEquity $3.58B0001193125-15-056319 · filed 2015-02-20FY2014 · Liabilities $6.01B · Equity $3.29BFY14Liabilities $6.01BEquity $3.29B0001628280-16-011435 · filed 2016-02-19FY2015 · Liabilities $6.68B · Equity $2.66BFY15Liabilities $6.68BEquity $2.66B0000798354-17-000006 · filed 2017-02-23FY2016 · Liabilities $7.20B · Equity $2.54BFY16Liabilities $7.20BEquity $2.54B0000798354-18-000005 · filed 2018-02-22FY2017 · Liabilities $7.56B · Equity $2.73BFY17Liabilities $7.56BEquity $2.73B0000798354-19-000005 · filed 2019-02-21FY2018 · Liabilities $8.97B · Equity $2.29BFY18Liabilities $8.97BEquity $2.29B0000798354-20-000006 · filed 2020-02-27FY2019 · Liabilities $42.68B · Equity $32.98BFY19Liabilities $42.68BEquity $32.98B0000798354-21-000004 · filed 2021-02-26FY2020 · Liabilities $41.29B · Equity $32.33BFY20Liabilities $41.29BEquity $32.33B0000798354-22-000004 · filed 2022-02-24FY2021 · Liabilities $44.30B · Equity $30.95BFY21Liabilities $44.30BEquity $30.95B0000798354-23-000004 · filed 2023-02-23FY2022 · Liabilities $52.18B · Equity $30.83BFY22Liabilities $52.18BEquity $30.83B0000798354-24-000037 · filed 2024-02-22FY2023 · Liabilities $60.22B · Equity $29.86BFY23Liabilities $60.22BEquity $29.86B0000798354-25-000047 · filed 2025-02-20FY2024 · Liabilities $49.49B · Equity $27.07BFY24Liabilities $49.49BEquity $27.07B0000798354-26-000009 · filed 2026-02-19FY2025 · Liabilities $54.32B · Equity $25.79BFY25Liabilities $54.32BEquity $25.79B0000798354-26-000009 · filed 2026-02-19FY25Liabilities $54.32BEquity $25.79B0000798354-26-000009 · filed 2026-02-19’09’13’17’21’25

FY2025: $80.13B assets · $54.32B liabilities · $25.79B equity

The receipts