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/company/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/company/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 2026-08-07, the biggest revenue drivers are: Merchant segment ($2,608M, -1% YoY); Financial segment ($2,355M, -8% YoY); Corporate and Other ($329M, +3% YoY). Figures are extracted from the filing text and machine-verified against the document. Full breakdown at https://13fpro.ai/company/FISV.

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

60.7/100

Rank #836 of 2,961 stocksTOP 50%

View Industrials peers →

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

Revenue Growth

34.9/100

Profitability

57.9/100

Balance Sheet

61.5/100

Earnings Quality

73.3/100

Free Cash Flow

71.3/100

Institutional Flow

68.8/100

Revenue Scale

92.7/100

Dilution Risk

43.3/100

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Why FISV Scores 61/100

exact factor attribution · 2026-09-11

FISV's composite is driven by scale and free cash flow, held back by revenue growth and earnings growth. Bars show each factor's exact push vs. a median company, using the same weights the ranking engine applies.

Scale

+6.4 pts

93th pct

Free cash flow

+3.2 pts

71th pct

Earnings quality

+2.3 pts

73th pct

Profitability

+1.2 pts

58th pct

Capital efficiency

+1.1 pts

62th pct

Institutional flow

+0.9 pts

69th pct

Shareholder dilution

-0.3 pts

43th pct

Earnings growth

-1.2 pts

26th pct

Revenue growth

-3.0 pts

35th pct

Latest change (2026-08-07): 67 → 63 · ↓ Revenue growth 50→36; ↓ Profit margin 77→69

Factor percentiles are cross-sectional ranks across the ~2,800-stock scored universe, computed from SEC EDGAR filings. Not investment advice.

FISV Stock Analysis & AI Quality Score

Data updated 2026-09-11

AI stock analysis and institutional research for FISERV INC (FISV), a Industrials sector company. 13F Pro's AI-powered ranking engine scores FISV at 60.7/100 on a 32-signal composite quality model, placing it at rank #836 of 2,961 stocks — the top half of the AI-ranked universe. FISV scores in the top quartile across revenue scale (92.7). Areas of concern include revenue growth (34.9), which score below median versus the broader universe. Shareholder dilution risk is elevated at 43.3/100, reflecting ongoing share issuance or stock-based compensation. Based on the latest XBRL financial filings (Q2 2026), FISERV INC reports quarterly revenue of $5.3B, net income of $627.0M, an operating margin of 19.2%. 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 59 and 76 since 2021, currently 60.7 — a declining long-term trajectory across 68 quarterly and live scoring snapshots.

✦

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 2026-08-07 — Q2 FY2026 (quarter ended June 30, 2026). Every figure is machine-verified against the filing text on SEC EDGAR.

Revenue fell 4% YoY to $5.29B as operating margin nearly halved to 19.2% from 30.7%, driven by weaker high-margin data/analytics and license revenue plus higher One Fiserv transformation and personnel costs.

Biggest Revenue Drivers

Merchant segment$2,608M-1% YoY

Decline driven by lower Argentina anticipation revenue and lower data and analytics sales, partly offset by Small Business volume growth including Clover.

Financial segment$2,355M-8% YoY

Negatively impacted by lower data and analytics sales and license revenue, primarily within Digital Payments and Issuing.

Biggest Revenue Drivers

Total revenue: $5.29B-4% YoY

Merchant segment$2,608M-1% YoY

Decline driven by lower Argentina anticipation revenue and lower data and analytics sales, partly offset by Small Business volume growth including Clover.

Within Merchant segment

Small Business$1,760M-1% YoY

Financial segment$2,355M-8% YoY

Negatively impacted by lower data and analytics sales and license revenue, primarily within Digital Payments and Issuing.

Within Financial segment

Digital Payments$993M-6% YoY

Corporate and Other$329M+3% YoY

Increase due to higher postage revenue.

Largest Expense Items

Cost of processing and services$1,706M+21% YoY

Higher personnel costs, One Fiserv transformation program costs, and increased technology infrastructure/data processing costs.

Selling, general and administrative$1,888M+10% YoY

Higher personnel costs, One Fiserv transformation costs, and higher payments to distribution partners.

Cost of product$689M-1% YoY

As a % of product revenue rose to 68.9% from 57.3% on higher personnel costs and lower high-margin data/analytics sales.

Margins: Operating margin fell to 19.2% from 30.7% YoY, hurt by a decrease in high-margin license and data/analytics revenue combined with higher personnel costs, One Fiserv transformation program spend (~350bps), and increased technology infrastructure/data processing costs.

Watch Items from the Filing

Amended securities fraud complaint (filed June 12, 2026) alleges misleading statements about Clover growth and Argentina's impact on organic growth; Company is also responding to SEC/DOJ inquiries tied to 2025 earnings guidance.
Total expenses rose to 80.8% of revenue from 69.3% YoY, with personnel costs (~580bps) and One Fiserv transformation costs (~350bps) as the largest drags.
$154 million pre-tax gain on early debt extinguishment from a June 2026 tender offer/repurchase of 2027 and 2049 notes boosted quarterly operating income by a non-recurring amount.
Merchant segment anticipation revenue in Argentina, a highly inflationary economy, declined $45 million in the quarter due to lower inflation and interest rates.

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

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

Revenue

Q2 2026

$5.3B

Net Income

Q2 2026

$627.0M

Free Cash Flow

Q2 2026

$985.0M

Operating Margin

Q2 2026

19.2%

ROIC

Q2 2026

7.2%

D/E Ratio

Q2 2026

1.08

Period

Revenue & Net Income

Earnings Per Share

Key Financials Over Time

Export Financial Table · Pro

Revenue

+3.6% YoY

$21.19BFY 2025

FY22 $17.74BFY23 $19.09BFY24 $20.46BFY25 $21.19B

Net Income

+11.1% YoY

$3.48BFY 2025

FY22 $2.53BFY23 $3.07BFY24 $3.13BFY25 $3.48B

Operating Income

-1.0% YoY

$5.82BFY 2025

FY22 $3.74BFY23 $5.01BFY24 $5.88BFY25 $5.82B

EPS (Diluted)

+17.8% YoY

$6.34FY 2025

FY22 $3.91FY23 $4.98FY24 $5.38FY25 $6.34

Total Assets

+3.8% YoY

$80.13BFY 2025

FY22 $83.87BFY23 $90.89BFY24 $77.18BFY25 $80.13B

Total Debt

+21.7% YoY

$30.24BFY 2025

FY22 $21.42BFY23 $23.12BFY24 $24.84BFY25 $30.24B

Op. Cash Flow

-8.6% YoY

$6.06BFY 2025

FY22 $4.62BFY23 $5.16BFY24 $6.63BFY25 $6.06B

Free Cash Flow

-15.1% YoY

$4.30BFY 2025

FY22 $3.14BFY23 $3.77BFY24 $5.06BFY25 $4.30B

Metric	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021	FY 2020
Revenue	$21.19B +3.6%	$20.46B +7.1%	$19.09B +7.6%	$17.74B +9.3%	$16.23B +9.3%	$14.85B
Net Income	$3.48B +11.1%	$3.13B +2.1%	$3.07B +21.3%	$2.53B +89.7%	$1.33B +39.2%	$958.0M
Operating Income	$5.82B -1.0%	$5.88B +17.3%	$5.01B +34.1%	$3.74B +63.5%	$2.29B +23.5%	$1.85B
EPS (Diluted)	$6.34 +17.8%	$5.38 +8.0%	$4.98 +27.4%	$3.91 +96.5%	$1.99 +42.1%	$1.40
Total Assets	$80.13B +3.8%	$77.18B -15.1%	$90.89B +8.4%	$83.87B +10.0%	$76.25B +2.2%	$74.62B
Total Debt	$30.24B +21.7%	$24.84B +7.4%	$23.12B +7.9%	$21.42B +0.9%	$21.24B +2.7%	$20.68B
Operating Cash Flow	$6.06B -8.6%	$6.63B +28.5%	$5.16B +11.8%	$4.62B +14.5%	$4.03B -2.7%	$4.15B
Free Cash Flow	$4.30B -15.1%	$5.06B +34.1%	$3.77B +20.2%	$3.14B +9.2%	$2.87B -11.5%	$3.25B

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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
$2.5B50,194,946 sh
BlackRock, Inc.
$2.1B42,399,822 sh
VANGUARD CAPITAL MANAGEMENT LLC
$1.6B33,107,969 sh
STATE STREET CORP
$1.2B23,830,685 sh
HARRIS ASSOCIATES L P
$1.1B22,210,980 sh
VANGUARD PORTFOLIO MANAGEMENT LLC
$1.0B20,826,784 sh
Capital World Investors
$825.1M16,822,013 sh
GEODE CAPITAL MANAGEMENT, LLC
$760.4M15,250,513 sh
First Eagle Investment Management, LLC
$532.6M10,857,773 sh
HOTCHKIS & WILEY CAPITAL MANAGEMENT LLC
$513.5M10,469,503 sh

Fund	Value	Shares
DODGE & COX	$2.5B	50,194,946
BlackRock, Inc.	$2.1B	42,399,822
VANGUARD CAPITAL MANAGEMENT LLC	$1.6B	33,107,969
STATE STREET CORP	$1.2B	23,830,685
HARRIS ASSOCIATES L P	$1.1B	22,210,980
VANGUARD PORTFOLIO MANAGEMENT LLC	$1.0B	20,826,784
Capital World Investors	$825.1M	16,822,013
GEODE CAPITAL MANAGEMENT, LLC	$760.4M	15,250,513
First Eagle Investment Management, LLC	$532.6M	10,857,773
HOTCHKIS & WILEY CAPITAL MANAGEMENT LLC	$513.5M	10,469,503

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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. FISV is classified as a large company.

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.