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How Fiserv (FISV) makes money: Q2 2026 revenue breakdown
US GAAP · $M · vs Q2 2025 · quarter ended 06/30/2026 · reported 08/06/2026
Fiserv, Inc. is an American multinational financial technology company headquartered in Milwaukee, Wisconsin. · Text: Wikipedia, CC BY-SA 4.0, abridged
More about the company
The company processes debit and credit card transactions, loyalty programs, loans, electronic bill pay, wires and ACH transfers, check deposits, and ATM transactions on behalf of banking institutions. The company also produces debit and credit cards and point of sale terminals.
How does Fiserv make money?
Fiserv brought in $5.29 billion of revenue in Q2 2026, down 4.1% year over year. The largest source was Processing and services: $4.29 billion, or 81% of the total, followed by Product ($1.00B, 19%). Net income for the quarter was $627 million, down 38.9% year over year.
Revenue by source, Q2 2026
- Processing and services$4.29B · 81% · −0.3%
- Product$1.00B · 19% · −17.5%
Shares of $5.29B total revenue; changes are year over year, as reported. ≈ marks lines derived from disclosed totals. The same flows are drawn in the Sankey chart below.
When is FISV’s next earnings date?
Wednesday, October 28, 2026estimated
Expected around Oct 28 — based on last year’s report on Oct 29, 2025. We have not yet seen the company's announcement of the date.
How we estimate
The estimate is the date of the same-quarter report a year ago, per the company’s SEC filing, moved forward 52 weeks (same weekday). Companies usually keep the same week; the date will be replaced once FISV announces it.
Same quarter a year ago (ended September 30, 2025): revenue $5.26B, EPS (GAAP) $1.46
How we calculate
Year-ago figures are GAAP, from the company's SEC filings (XBRL); EPS is diluted.
What time does FISV report? Usually before market open: the last 4 results releases reached the SEC at 7:15 am, 7:14 am, 7:15 am, 7:15 am ET.
Last report: Aug 6, 2026 (Q2 2026) — broken down in the Sankey chart below. Dates: company announcements; past dates and times — SEC 8-K filings. Who else reports this week →
All figures in $M.
Revenue
$5,292
−4.1%
Operating income
$1,015
−40.2%
19.2% margin
Net income
$627
−38.9%
$1.17/sh · 11.8% margin
Verdict: revenue fell 4.1% y/y to $5.29B, operating margin 19.2% vs 30.7%, net income $627M (−38.9% y/y).
Source and notation
Source: Fiserv press release, 8-K EX-99.1 of 08/06/2026 (SEC EDGAR). Every figure was matched against the income statement in the release and checked against SEC XBRL.
Open the chart as a PNG image ↗ · for sharing and presentations · free to reuse, CC BY 4.0
Heads-up
- net income fell 39% y/y in Q2 2026
- revenue fell 4% y/y in Q2 2026
Most likely because operating income was $1.02B, a 19.2% margin vs 30.7% a year earlier; the effective tax rate was 20.1% vs 19.0% a year earlier; costs grew faster than revenue (cost of processing and services +21% y/y, selling, general and administrative +10% y/y). Based on the Q2 2026 report.
The company's report ↗Most likely because the drop came from Product −18% y/y. Based on the Q2 2026 report.
The company's report ↗FISV earnings history: past report dates
| Aug 6, 2026 Thu | 7:15 ambefore market open | Jun 30, 2026 | $5.3B−4% y/y | $1.17−37% y/y |
| May 5, 2026 Tue | 7:14 ambefore market open | Mar 31, 2026 | $5.0B−2% y/y | $1.07−29% y/y |
| Feb 10, 2026 Tue | 7:15 ambefore market open | Dec 31, 2025 | ≈$5.3B | ≈$1.51−7% y/y |
| Oct 29, 2025 Wed | 7:15 ambefore market open | Sep 30, 2025 | $5.3B | $1.46+49% y/y |
| Jul 23, 2025 Wed | 7:15 ambefore market open | Jun 30, 2025 | $5.5B | $1.86+22% y/y |
| Apr 24, 2025 Thu | 7:09 ambefore market open | Mar 31, 2025 | $5.1B | $1.51+22% y/y |
| Feb 5, 2025 Wed | 7:13 ambefore market open | Dec 31, 2024 | — | ≈$1.63+14% y/y |
| Oct 22, 2024 Tue | 7:15 ambefore market open | Sep 30, 2024 | — | $0.98−37% y/y |
| Jul 24, 2024 Wed | 7:13 ambefore market open | Jun 30, 2024 | — | $1.53+39% y/y |
| Apr 23, 2024 Tue | 7:14 ambefore market open | Mar 31, 2024 | — | $1.24+39% y/y |
| Feb 6, 2024 Tue | 7:18 ambefore market open | Dec 31, 2023 | — | ≈$1.43+16% y/y |
| Oct 24, 2023 Tue | 7:14 ambefore market open | Sep 30, 2023 | — | $1.56+108% y/y |
| Jul 26, 2023 Wed | 7:09 ambefore market open | Jun 30, 2023 | $4.8B+7% y/y | $1.10+20% y/y |
| Apr 25, 2023 Tue | 7:29 ambefore market open | Mar 31, 2023 | $4.5B+10% y/y | $0.89−13% y/y |
Show all 14 reports since 2023Show fewer
How we count
Report date and time — when the company filed its results press release with the SEC (Form 8-K, Item 2.02); the regular session runs 9:30 am – 4:00 pm ET. Companies that file the 8-K late in the evening publish the release the next morning: the date is that morning, before market open, and the evening filing time is not shown. Revenue and diluted EPS — the company’s XBRL filings, EPS adjusted for stock splits; ≈ — fourth quarter derived as full year minus three quarters. Source: SEC EDGAR.
Fiserv: 15-year financials
| 2025 | 21,193 | 5,818 | 3,480 | 4,299 |
| 2024 | 20,456 | 5,879 | 3,131 | 5,062 |
| 2023 | 19,093 | 5,014 | 3,068 | 3,774 |
| 2022 | 17,737 | 3,740 | 2,530 | 3,139 |
| 2021 | 16,226 | 2,288 | 1,334 | 2,874 |
| 2020 | 14,852 | 1,852 | 958 | 3,247 |
| 2019 | 10,187 | 1,609 | 893 | 2,074 |
| 2018 | 5,823 | 1,753 | 1,187 | 1,192 |
| 2017 | 5,696 | 1,532 | 1,246 | 1,196 |
| 2016 | 5,505 | 1,445 | 930 | 1,141 |
| 2015 | 5,254 | 1,311 | 712 | 987 |
| 2014 | 5,066 | 1,210 | 754 | 1,015 |
| 2013 | 4,814 | 1,061 | 648 | 803 |
| 2012 | 4,436 | 1,048 | 611 | 633 |
| 2011 | 4,289 | 990 | 472 | 755 |
Show all 15 yearsShow fewer
$ millions, annual 10-K reports on SEC EDGAR (US GAAP)*.
How we calculate
Figures are annual report lines; if a year was later restated (discontinued operations, mergers), we use the latest filing that shows it. Free cash flow is operating cash flow minus capital expenditures; dividends are cash paid to common shareholders during the year. “—” means the line isn’t in the filing. The table starts in 2011; where the listed issuer changed (holding reorganization, redomicile), earlier years come from the predecessor’s filings.
Shareholders’ equity at Jun 30, 2026: $26.9B (33% of total assets). Compare with other S&P 500 companies →
Included in screener lists: S&P 500 companies with revenue growth 10 years in a row
Fiserv (FISV) earnings: FAQ
How does Fiserv make money?
Fiserv brought in $5.29 billion of revenue in Q2 2026, down 4.1% year over year. The largest source was Processing and services: $4.29 billion, or 81% of the total, followed by Product ($1.00B, 19%). Net income for the quarter was $627 million, down 38.9% year over year.
When is FISV's next earnings date?
We have not yet seen an announcement of the date from Fiserv (FISV). Based on last year's report on Oct 29, 2025, the next report is expected around Oct 28, 2026.
What time does FISV report earnings?
Fiserv usually reports before market open: its latest results release was filed with the SEC at 7:15 am ET on Aug 6, 2026.
When did FISV last report earnings?
Fiserv reported Q2 2026 results on Aug 6, 2026.
Where can I find Fiserv's financial statements?
On SEC EDGAR: quarterly reports (10-Q), the annual report (10-K) and earnings releases (8-K). The “Verified” badge next to the chart links to FISV's filings; this page breaks the latest report down in a Sankey chart.
What was FISV's net income in Q2 2026?
Fiserv reported net income of $627M for Q2 2026 (−38.9% year over year), under US GAAP.
How has Fiserv's revenue changed since 2011?
Per its 10-K filings, revenue grew 4.9x: $4,289M in 2011 and $21,193M in 2025. The latest year is the highest in the table. Year-by-year figures are in the table above.
New to earnings reports? Start with how to read an earnings report.
How this page was made: the figures come from the company's own report on SEC EDGAR; the summary and nuances were drafted by our model from that report — two independent automated readings of the release had to match, and every number in the text was checked against it. Figures checked against the filing on 10/16/2026. How we make the breakdowns · Report an error
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