What is the 13F Pro Quality Score for FISV?

13F Pro ranks FISERV INC (FISV) on the 13F Pro Quality Score, a 0–100 composite of 32 fundamental signals including return on invested capital, free cash flow consistency, balance-sheet strength, earnings quality, growth durability, and valuation discipline. The score refreshes after each 10-K and 10-Q filing on SEC EDGAR. View FISV's current score at https://13fpro.ai/research/FISV (free sign-up required for the full ranking).

Which hedge funds own the most FISV stock?

Based on the most recent Form 13F-HR filings on SEC EDGAR, the largest reported institutional holders of FISV include DODGE & COX, BlackRock,, VANGUARD CAPITAL MANAGEMENT. Holdings are reported quarterly within 45 days of quarter-end and updated on https://13fpro.ai/research/FISV as soon as new 13F filings post.

Where does 13F Pro source FISV data?

All FISERV INC fundamentals and ownership data come directly from SEC EDGAR. FISERV INC files with the SEC under CIK 798354. 13F Pro ingests XBRL financial facts from 10-K and 10-Q filings, Form 13F-HR institutional holdings, and Form 4 insider transactions, with no third-party rewrites or estimates.

What sector is FISV in?

FISERV INC (FISV) is classified in the Industrials sector. 13F Pro publishes sector-level fund flow analysis and quality leaders at https://13fpro.ai/research/sector/industrials.

What drives FISV's revenue?

Per FISERV INC's latest 10-Q filed with the SEC on 2026-05-06, the biggest revenue drivers are: Processing and services ($4,070M, +0.6% YoY); Product ($957M, -12% YoY). Figures are extracted from the filing text and machine-verified against the document. Full breakdown at https://13fpro.ai/research/FISV.

What are FISV's largest expenses?

FISERV INC's latest 10-Q reports these as the largest expense items: Cost of processing and services ($1,610M, +16% YoY); Selling, general and administrative ($1,885M, +12% YoY); Cost of product ($697M, +2% YoY). Sourced directly from SEC EDGAR filing text for Q1 2026 (quarter ended March 31, 2026).

How often is FISV research updated on 13F Pro?

FISV's fundamentals refresh within hours of each new 10-K or 10-Q filing on SEC EDGAR. Institutional ownership updates after each quarterly 13F filing window. Insider transactions update after each Form 4 filing. The 13F Pro Quality Score recalculates after every fundamentals refresh.

FISERV INC(FISV)Stock Analysis

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13F Pro Quality Score

67.4/100

Rank #466 of 2,879 stocksTOP 25%

View Industrials peers →

Rankings refresh quarterly once 80% of peers have filed (~45 days after quarter-end). Next update: ~Aug 14, 2026.

Revenue Growth

50.0/100

Profitability

77.4/100

Balance Sheet

64.5/100

Earnings Quality

47.0/100

Free Cash Flow

71.3/100

Institutional Flow

59.9/100

Revenue Scale

93.0/100

Dilution Risk

44.3/100

FISV Stock Analysis & AI Quality Score

AI stock analysis and institutional research for FISERV INC (FISV), a Industrials sector company. 13F Pro's AI-powered ranking engine scores FISV at 67.4/100 on a 32-signal composite quality model, placing it at rank #466 of 2,879 stocks — the top 25% of the AI-ranked universe. FISV scores in the top quartile across revenue scale (93.0), profitability (77.4). Shareholder dilution risk is elevated at 44.3/100, reflecting ongoing share issuance or stock-based compensation. Based on the latest XBRL financial filings (Q1 2026), FISERV INC reports quarterly revenue of $5.0B, net income of $571.0M, free cash flow of $141.0M. Top institutional holders of FISV by reported 13-F value include DODGE & COX, BlackRock,, VANGUARD CAPITAL MANAGEMENT, based on the most recent SEC filings. FISV trades on the Nasdaq exchange and files with the SEC under CIK 798354. 13F Pro's AI research platform runs 10 specialized AI analysts — value, growth, momentum, macro, and activist specialists — that debate FISV daily and publish AI-generated analysis with cited SEC sources. The platform aggregates historical XBRL financial facts, 10-Q and 10-K filings, insider Form 4 transactions, and institutional 13-F holdings for FISERV INC directly from SEC EDGAR. FISERV INC's 13F Pro composite quality score has ranged between 8 and 76 since 2021, currently 67.4 — a stable long-term trajectory across 56 quarterly and live scoring snapshots.

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Fun facts about FISERV INC

Quirks, history, and lore behind FISV — the kind of stuff that makes a stock memorable.

1
The Basics
U.S. financial technology company · large-cap · listed on Nasdaq · headquartered in Wisconsin.
2
The Numbers
Annual revenue of roughly $19 billion, processing billions of transactions a year for banks, credit unions, and merchants worldwide — scale is the whole pitch.
3
The History
Founded in 1984 as a data-processing spinoff from a Midwestern bank, it has spent decades rolling up rivals to become one of the largest fintech firms on the planet.
4
The Secret
It is the quiet plumbing behind account processing, digital banking, and card networks for thousands of financial institutions — you've used its infrastructure without ever knowing its name.
5
The Lore
Its $22 billion acquisition of First Data in 2019 was one of the largest fintech deals ever, instantly handing it ownership of the Clover point-of-sale platform.
6
The Giveaway
The company behind Clover terminals at your favorite café and the account processing engine for roughly one in three U.S. banks calls Milwaukee home.

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What's Driving FISV's Business? Latest 10-Q Breakdown

✓ 23/23 datapoints verified

AI-extracted from FISERV INC's 10-Q filed 2026-05-06 — Q1 2026 (quarter ended March 31, 2026). Every figure is machine-verified against the filing text on SEC EDGAR.

Fiserv Q1 revenue declined 2% YoY to $5.0B as higher personnel and transformation costs pressured margins 890 basis points despite modest Clover growth.

Biggest Revenue Drivers

Total revenue: $5,027M-2% YoY

Processing and services$4,070M+0.6% YoY

Merchant Small Business grew 1% from Clover volume and value-added services expansion; Financial segment Digital Payments and Issuing each declined 2% due to lower data analytics sales.

Product$957M-12% YoY

Decline primarily due to decreased data and analytics sales and license revenue across segments.

Largest Expense Items

Cost of processing and services$1,610M+16% YoY

Higher personnel costs (~270 bps), One Fiserv transformation costs (~160 bps), and data processing costs (~150 bps).

Selling, general and administrative$1,885M+12% YoY

Higher personnel costs (~200 bps), One Fiserv transformation (~150 bps), and distribution partner payments (~100 bps).

Cost of product$697M+2% YoY

Margin compression from lower high-margin data and analytics sales.

Margins: Operating margin contracted 890 basis points to 18.3% as revenue decline and elevated personnel, transformation, and data processing costs offset a $83M gain on asset sales. Cost of processing and services margin deteriorated 520 basis points; Financial segment margin fell 940 basis points due to mix shift toward lower-margin products.

Watch Items from the Filing

Pending securities litigation from July 2025 and November 2025 alleging false statements about Clover growth and Q2 2025 earnings; consolidated in Southern District of New York; also derivative complaints in federal and state courts; SEC and U.S. Attorney investigations ongoing.
Eight of Fiserv's reporting units carry goodwill with fair value margins less than 15% ($18.5B aggregate), at risk from revenue growth deceleration or margin compression assumptions.
One Fiserv transformation initiative cost $142M in Q1 2026 (280 bps of expense ratio) with uncertain timing of productivity benefits; execution risk on cost absorption.
Data and analytics sales declined materially YoY across both Merchant and Financial segments, representing loss of high-margin revenue and potential customer engagement softness.
Clover Small Business segment revenue grew only 1% despite platform investment; Enterprise flat; Processing declined 1%; limited organic growth visibility.

AI-extracted and verified against SEC EDGAR filing text. Not investment advice.

Read the full 10-Q on SEC EDGAR →Share on X

Revenue

Q1 2026

$5.0B

Net Income

Q1 2026

$571.0M

Free Cash Flow

Q1 2026

$141.0M

ROIC

Q1 2026

1.7%

D/E Ratio

Q1 2026

1.16

Revenue & Net Income

Earnings Per Share

Key Financials Over Time

Export Financial Table · Pro+

Revenue

+7.1% YoY

$20.46BFY 2024

FY21 $16.23BFY22 $17.74BFY23 $19.09BFY24 $20.46B

Net Income

+2.1% YoY

$3.13BFY 2024

FY21 $1.33BFY22 $2.53BFY23 $3.07BFY24 $3.13B

Operating Income

+17.3% YoY

$5.88BFY 2024

FY21 $2.29BFY22 $3.74BFY23 $5.01BFY24 $5.88B

EPS (Diluted)

+8.0% YoY

$5.38FY 2024

FY21 $1.99FY22 $3.91FY23 $4.98FY24 $5.38

Total Assets

-15.1% YoY

$77.18BFY 2024

FY21 $76.25BFY22 $83.87BFY23 $90.89BFY24 $77.18B

Total Debt

+7.4% YoY

$24.84BFY 2024

FY21 $21.24BFY22 $21.42BFY23 $23.12BFY24 $24.84B

Op. Cash Flow

+28.5% YoY

$6.63BFY 2024

FY21 $4.03BFY22 $4.62BFY23 $5.16BFY24 $6.63B

Metric	FY 2024	FY 2023	FY 2022	FY 2021	FY 2017	FY 2016
Revenue	$20.46B +7.1%	$19.09B +7.6%	$17.74B +9.3%	$16.23B +184.9%	$5.70B +3.5%	$5.50B
Net Income	$3.13B +2.1%	$3.07B +21.3%	$2.53B +89.7%	$1.33B +7.1%	$1.25B +34.0%	$930.0M
Operating Income	$5.88B +17.3%	$5.01B +34.1%	$3.74B +63.5%	$2.29B +49.3%	$1.53B +6.0%	$1.45B
EPS (Diluted)	$5.38 +8.0%	$4.98 +27.4%	$3.91 +96.5%	$1.99 +37.7%	$1.45 +38.9%	$1.04
Total Assets	$77.18B -15.1%	$90.89B +8.4%	$83.87B +10.0%	$76.25B +641.1%	$10.29B +5.6%	$9.74B
Total Debt	$24.84B +7.4%	$23.12B +7.9%	$21.42B +0.9%	$21.24B +333.4%	$4.90B +7.4%	$4.56B
Operating Cash Flow	$6.63B +28.5%	$5.16B +11.8%	$4.62B +14.5%	$4.03B	—	—

AI Insight: FISV Financial Trends

Operating income collapsed to $918M in Q1 2026 — the weakest in the dataset — while total debt remains elevated near $30.5B, pressuring the equity base.

• Revenue grew modestly from $5,107M in Q2 2024 to a peak of $5,516M in Q2 2025, but has since slipped to $5,027M in Q1 2026.

• Operating income deteriorated sharply, falling from $1,696M in Q2 2025 to $918M in Q1 2026, the lowest level across all eight quarters.

• Total debt surged from $24,840M in Q4 2024 to $31,522M by Q3 2025, and remains at $30,505M in Q1 2026, while equity has eroded from $28,154M to $26,201M.

• Operating cash flow in Q1 2026 dropped to $599M, matching the lowest single-quarter reading in the table, consistent with Q1 2025's $648M seasonal trough.

⚠ Operating margin compression in Q1 2026 is severe — $918M op income on $5,027M revenue is the weakest margin in the dataset; durability is key to monitor.

⚠ Debt rose $5.7B from Q4 2024 to Q3 2025 while equity contracted $2B — leverage trajectory warrants close attention if FCF generation remains subdued.

⚠ Net income of $571M in Q1 2026 is the lowest in eight quarters; confirm whether one-time charges or structural cost pressures are the driver.

AI Insight: FISV Ratio Trends

Q1 2026 marks a sharp multi-metric deterioration — operating margin collapsed to 18.3% and ROIC fell to 6.5%, both the weakest readings in the dataset.

• Operating margin dropped from 24.4% in Q4 2025 to 18.3% in Q1 2026, the lowest level across all periods shown.

• ROIC contracted to 6.5% in Q1 2026 from a cycle peak of 12.8% in Q4 2024, a 6.3pp decline over five quarters.

• Net profit margin fell to 11.4% in Q1 2026, down from 18.6% in Q2 2025, erasing prior profitability gains.

• D/E ratio has risen from 0.92 in Q4 2024 to 1.16 in Q1 2026, reflecting increasing leverage over the period.

⚠ Q1 seasonality may partially explain weakness — Q1 2025 also saw OpMargin dip to 27.2% — but Q1 2026 at 18.3% is far steeper.

⚠ D/E peaked at 1.25 in Q3 2025 and remains elevated at 1.16; further leverage expansion would pressure financial flexibility.

⚠ ROA dropped to 2.8% in Q1 2026, matching Q3 2024's trough — watch whether Q2 2026 recovers toward the 4–5% range.

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Available Research

13F Pro tracks comprehensive data for FISERV INC including:

SEC EDGAR filings (10-K, 10-Q, 8-K)

XBRL financial facts (revenue, EPS, margins)

Insider transactions (Form 4)

Institutional 13F holdings

Quality rankings (32 signals)

AI analyst debates & daily meetings

Historical financial trends

Peer comparison & sector analysis

Top Institutional Holders of FISV

DODGE & COX
$2.8B50,260,950 sh
BlackRock, Inc.
$2.2B39,861,316 sh
VANGUARD CAPITAL MANAGEMENT LLC
$1.8B33,123,138 sh
STATE STREET CORP
$1.3B23,676,383 sh
VANGUARD PORTFOLIO MANAGEMENT LLC
$1.2B21,183,892 sh
HARRIS ASSOCIATES L P
$1.1B19,737,630 sh
Capital World Investors
$775.8M13,903,314 sh
GEODE CAPITAL MANAGEMENT, LLC
$730.9M13,152,278 sh
FEDERATED HERMES, INC.
$483.2M8,659,018 sh
MORGAN STANLEY
$442.9M7,937,615 sh

Fund	Value	Shares
DODGE & COX	$2.8B	50,260,950
BlackRock, Inc.	$2.2B	39,861,316
VANGUARD CAPITAL MANAGEMENT LLC	$1.8B	33,123,138
STATE STREET CORP	$1.3B	23,676,383
VANGUARD PORTFOLIO MANAGEMENT LLC	$1.2B	21,183,892
HARRIS ASSOCIATES L P	$1.1B	19,737,630
Capital World Investors	$775.8M	13,903,314
GEODE CAPITAL MANAGEMENT, LLC	$730.9M	13,152,278
FEDERATED HERMES, INC.	$483.2M	8,659,018
MORGAN STANLEY	$442.9M	7,937,615

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Is FISV a good stock to buy?

13F Pro's AI-powered analysis of FISERV INC (FISV) draws on SEC EDGAR-sourced fundamentals, institutional 13F holdings, and insider Form 4 transactions in the Industrials sector (listed on Nasdaq). The 32-signal AI Quality Score, current rank, and full bull/bear verdict for FISV are available on the FISV stock profile dashboard — with the same data, AI insights, ratios, and institutional activity refreshed after every 10-K, 10-Q, 13F, and Form 4 filing.

Which hedge funds own FISV?

Institutional investors are required to disclose their holdings quarterly via SEC Form 13F. 13F Pro aggregates these filings to show which hedge funds, mutual funds, and asset managers are buying or selling FISV. Combined with insider transaction data from Form 4 filings and AI-powered analysis from 10 specialized research agents, 13F Pro provides a comprehensive view of FISERV INC's investment landscape.