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Fiserv (FISV) guidance and outlook
Fiserv (FISV) raised its guidance on Nov 3, 2026: EPS $7.20–$7.40 for FY2026; Revenue $500M for Q4 2026; Tax rate 19.5% for FY2026. Fiserv's 10-Q filed Nov 4, 2026 makes 13 forward-looking statements, 7 of them new and 4 no longer said since the filing before.
Guidance and outlook
Latest guidance
| Metric | Period | Range | Change |
|---|---|---|---|
| Revenue | FY2026 | −1% to 0% | reaffirmed |
| EPS | FY2026 | $7.20–$7.40 | reaffirmed |
| Revenue | Q4 2026 | $500M | new |
| Tax rate | FY2026 | 19.5% | reaffirmed |
From the earnings release filed Nov 3, 2026 (8-K on EDGAR).
Forward-looking statements, 10-Q filed Nov 4, 2026
- We expect these efforts to strengthen efficiency, scalability, and innovation to deliver differentiated value and an exceptional experience for our clients.
- We expect to acquire businesses when we identify: a compelling strategic need, such as a product, service or technology that helps meet client demand; a way to achieve business scale that enables competition and operational efficiency; or similar considerations.
- We expect to divest businesses that are not in line with our market, product, growth or margin profile, or financial strategies.
- new · On September 2, 2026, we completed the sale of our student loan servicing business, which was reported within the Financial segment, for net consideration of $85 million, of which $48 million was received in cash as of September 30, 2026 plus contingent earn-out provisions of up to $52 million, which will be recognized upon realization.
- new · We expect that financial institutions will continue to invest significant capital to process transactions, manage information, maintain regulatory compliance and offer innovative new services to their customers in this rapidly evolving and competitive environmental shift from traditional to digital banking.
- We believe that economies of scale in developing and maintaining the infrastructure, technology, products, services and networks necessary to be competitive in such a dynamic environment are essential to justify these investments, and we anticipate that demand for products that facilitate customer interaction with financial institutions, including a unified, seamless customer experience across mobile and online…
- updated · We believe these needs will be satisfied in both the short and long term using cash flow generated by our operations, along with our cash and cash equivalents of $545 million, proceeds from the issuance of U.S. dollar and Euro commercial paper, and available capacity under our revolving credit facility of $4.3 billion (net of $240 million of outstanding revolver borrowings and $3.4 billion of capacity designated…
- new · We expect to repurchase $500 million of our common stock during the fourth quarter of 2026 under our existing share repurchase authorization.
- new · We completed the sales of our student loan servicing business and a 51% controlling financial interest in our MoneyPass Network, ATM Managed Services and Cash Intelligence businesses in the third quarter of 2026 for aggregate net consideration of $187 million, of which $150 million was received in cash as of September 30, 2026 plus contingent earn-out provisions of up to $52 million, which will be recognized upon…
- We expect to remain in compliance with all terms and conditions associated with our outstanding debt, including financial debt covenants.
- new · We maintained a liability of $2 million at September 30, 2026 for the estimated fair value of our non-contingent obligation to stand ready to perform over the term of the Sagent guarantee arrangement, which will be amortized in future periods over the contractual term of the related debt.
- new · representing the current expected credit losses to which we are exposed.
Fiserv's latest quarter
Fiserv, Q3 2026: revenue $5.2B (-1% year over year), operating margin -105.7%, net loss $5.9B, operating cash flow $1.0B. The chart follows the revenue to costs, profit and cash.
Questions
Did Fiserv raise or lower its guidance?
Fiserv (FISV) raised its guidance on Nov 3, 2026: EPS $7.20–$7.40 for FY2026; Revenue $500M for Q4 2026; Tax rate 19.5% for FY2026.
What does Fiserv expect?
On September 2, 2026, we completed the sale of our student loan servicing business, which was reported within the Financial segment, for net consideration of $85 million, of which $48 million was received in cash as of September 30, 2026 plus contingent earn-out provisions of up to $52 million, which will be recognized upon realization. We expect that financial institutions will continue to invest significant capital to process transactions, manage information, maintain regulatory compliance and offer innovative new services to their customers in this rapidly evolving and competitive environme
Updated Nov 8, 2026. Read automatically from SEC filings and public data; errors are possible. Not investment advice.