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AI Earnings Analysis
| Metric | Current | Previous | YoY Change |
|---|---|---|---|
Revenue | $21.19B | $20.46B | +3.60% |
Operating Income | $5.82B | $5.88B | -1.04% |
Net Income | $3.48B | $3.13B | +11.15% |
EPS (Basic) | $6.36 | $5.41 | +17.56% |
EPS (Diluted) | $6.34 | $5.38 | +17.84% |
SG&A Expense | $6.88B | $6.56B | +4.86% |
| Metric | Current | Previous | YoY Change |
|---|---|---|---|
Total Assets | $80.13B | $77.18B | +3.83% |
Current Assets | $24.65B | $23.48B | +5.01% |
Total Liabilities | $54.32B | $49.49B | +9.77% |
Current Liabilities | $23.89B | $22.16B | +7.82% |
Stockholders' Equity | $25.79B | $27.07B | -4.71% |
Cash & Equivalents | $798M | $1.24B | -35.44% |
| Metric | Current | Previous | YoY Change |
|---|---|---|---|
Operating Cash Flow | $6.06B | $6.63B | -8.58% |
Investing Cash Flow | $-2.52B | $-2.4B | -4.83% |
Financing Cash Flow | $-3.83B | $-4.17B | +8.00% |
| Metric | Current | Previous | YoY Change |
|---|---|---|---|
Operating Margin | 27.5% | 28.7% | -1.29% |
Net Margin | 16.4% | — | — |
ROE | 13.5% | — | — |
ROA | 4.3% | — | — |
Current Ratio | $1.032 | — | — |
Debt to Equity | $2.106 | — | — |
FISV showed solid revenue growth and net income improvement, but faced challenges with operating income and cash flow management in 2025.
The company experienced a 3.6% increase in revenue, primarily driven by strong performance in its core payment processing services.
Source: Source: 10-K Management's Discussion & Analysis, p.34
Operating income decreased by 1.0% as a result of a 4.9% increase in SG&A expenses, impacting overall profitability.
Source: Source: 10-K Management's Discussion & Analysis, p.35
Management emphasized initiatives to control costs and improve efficiency, aiming to enhance future operating margins.
Source: Source: 10-K Management's Discussion & Analysis, p.36
The company's debt to equity ratio of 2.11 indicates significant leverage, which could pose risks if interest rates rise or cash flow declines.
Source: Source: 10-K Risk Factors, p.42
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