Fiserv, Inc.
Fiserv, Inc. is classed by the SEC under Services-Business Services, NEC (industry code 7389), based in Milwaukee, WI. In its latest annual figures on file, for the fiscal year ended 2025-12-31, it reported revenue of $21 billion and a profit of $3.5 billion (its filed statements).
vs its business-model standard
Three tenses, nine metrics. Unseen metrics stay unseen; the grade never fakes a number. Proxy era: provisional values, marked. Weighed as a marketplace business: prior from its industry code (SEC 7389, Services-Business Services, NEC); the filing read can change it. All three tenses have at least two readings, so the archetype blend applies as printed.
The grade, in three tenses
Headline 5.0 out of ten, 9 of 9 metrics filed: past 5.5 out of ten, present 5.8 out of ten, future 4.0 out of ten. The past asks what it actually did, the present what it is doing right now, the future what it is set up to do next.
The nine metrics
- Surviving crises (past): 2.1 out of ten. 3 warning events since 2017; the latest 2025-10-29. 21st percentile among 105 sector filers. A production reading, recomputed from the filings on every data build (read from EDGAR 2026-10-12).
- Track record (past): 7.8 out of ten. +15% a year over 10 filed years; profitable in 10 of 10. 78th percentile among 99 sector filers. A production reading, recomputed from the filings on every data build (read from EDGAR 2026-10-12).
- Shareholder treatment (past): 4.7 out of ten. Share count shrank 5.4% a year. 0% of cash flow returned. Insiders: 0 sales, 10 purchases. 47th percentile among 70 sector filers. A production reading, recomputed from the filings on every data build (read from EDGAR 2026-10-12).
- Financial health (present): 6.4 out of ten. ROE 13%: 13¢ of profit per shareholder dollar. Leverage 68%: owes 68¢ per asset dollar. 64th percentile among 98 sector filers. A production reading, recomputed from the filings on every data build (read from EDGAR 2026-10-12).
- Industry position (present): 7.4 out of ten. top 26% of 101 in its family; net margin 16.4%. 74th percentile among 101 sector filers. A production reading, recomputed from the filings on every data build (read from EDGAR 2026-10-12).
- Leadership (present): 1.4 out of ten. bottom 14% of 67 in its family for leadership; chief executive since 2026. 14th percentile among 67 sector filers. A production reading, recomputed from the filings on every data build (read from EDGAR 2026-10-09).
- Room to expand (future): 4.3 out of ten. bottom 43% of 99 in its family for room to expand. 43rd percentile among 99 sector filers. A production reading, recomputed from the filings on every data build (read from EDGAR 2026-10-12).
- Growth drivers (future): 3.9 out of ten. bottom 39% of 99 in its family for growth drivers. 39th percentile among 99 sector filers. A production reading, recomputed from the filings on every data build (read from EDGAR 2026-10-12).
- Expectations vs reality (future): 3.6 out of ten. bottom 36% of 93 in its family for expectations against reality. 36th percentile among 93 sector filers. A production reading, recomputed from the filings on every data build (read from EDGAR 2026-10-12).
The filing record
Newest annual report: Form 10-K filed 2026-02-19 for the period ended 2025-12-31 (on EDGAR). Newest quarterly report: Form 10-Q filed 2026-08-07 for the period ended 2026-06-30 (on EDGAR). Newest results release: Form 8-K filed 2026-08-06 (on EDGAR). Newest filing: Form 3, 2026-10-01. Filings on record since 1994. Read from EDGAR 2026-10-12.
Where the revenue comes from
Product and service lines in fiscal 2025: Processing and Services 80%, Product 20%. As tagged in its annual report (Form 10-K, filed 2026-02-19).
Who runs it
Georgakopoulos, Panagiotis (Chief Executive Officer); Lyons, Michael P. (Chief Executive Officer); Suryadevara, Dhivya (Co-President); Todd, Paul M (Chief Financial Officer); Rosman, Adam L. (Chief Admin. and Legal Officer); Best, Kenneth (Chief Accounting Officer); Gelb, Andrew (EVP, Head of Fin. Sols.); Laclair, Jennifer A. (EVP, Head of Merchant Sols.); Cohen, Stephanie (director); De, Castro Henrique (director); and 9 more. 19 officers and directors have filed their own trades in the last fifteen months, names and titles as filed with the SEC, through 2026-10-01.
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