FISERV INC

Fiserv, Inc. (NASDAQ: FISV) is a leading global provider of payments and financial services technology solutions serving merchants, banks, credit unions, financial institutions, and corporate and public sector clients worldwide. The company operates through two primary reportable segments: Merchant Solutions and Financial Solutions, which collectively generated $21.2 billion in total revenue during 2025, with processing and services revenue representing 80 percent of the total.

The Merchant Solutions segment encompasses three business lines: Small Business, which provides the Clover cloud-based point-of-sale and business management platform to small merchants and independent software vendors; Enterprise, which delivers integrated omnichannel operating systems and payment solutions to large businesses; and Processing, which supplies payment processing products and services to financial institutions and third-party resellers. The Financial Solutions segment comprises three divisions: Digital Payments, offering debit card processing, bill payment, and person-to-person payment services; Issuing, providing credit card processing, prepaid card services, and government payment processing; and Banking, delivering account processing, digital banking, and financial management solutions.

Fiserv maintains a global workforce exceeding 38,000 employees and operates across multiple geographic regions, with the United States and Canada representing 84 percent of revenue and international markets comprising 16 percent. The company's geographic footprint spans Europe, the Middle East, Africa, Latin America, and Asia-Pacific. The company's website is www.fiserv.com.

The company's core competitive advantages include its comprehensive suite of integrated technology platforms, including Commerce Hub for payment orchestration and Finxact for account processing; ownership of major payment networks including Accel, STAR, and MoneyPass; and its Clover platform, which has become a leader in enabling omnichannel commerce for small businesses. Fiserv generates recurring revenue through multi-year contracts with high renewal rates, primarily based on account and transaction fees. The company's strategy focuses on client-first relationships, expanding the Clover platform globally, developing embedded finance and digital asset capabilities, and leveraging artificial intelligence to enhance operations and service delivery.