FISERV INC

Fiserv, Inc. is a global provider of payments and financial services technology solutions. The company serves merchants, banks, credit unions, other financial institutions, and corporate and public sector clients worldwide. Fiserv offers solutions including account processing and digital banking, card issuer processing and network services, payments, e-commerce, merchant acquiring and processing, and the Clover® cloud-based point-of-sale (POS) and business management platform. Most of these products and services are essential for clients' business operations. Fiserv operates across various geographic regions: the U.S. and Canada; Europe, Middle East and Africa; Latin America; and Asia Pacific. In 2025, the company reported $21.2 billion in total revenue, $5.8 billion in operating income, and $6.1 billion of net cash provided by operating activities. Processing and services revenue, which accounted for 80% of total revenue in 2025, primarily comes from account- and transaction-based fees under multi-year contracts with high renewal rates. In 2025, 84% of total revenue was from the U.S. and Canada, and 16% was from international regions (EMEA, LATAM, and APAC). This compares to 85% from the U.S. and Canada and 15% internationally in both 2024 and 2023. Total revenue was $20,456 million in 2024 and $19,093 million in 2023. The company has expanded by acquiring new clients, growing offerings to existing clients, developing new products, and extending geographic capabilities.