Loading
Sentiment · FY2026 Q1
What companies say about each other on earnings calls — extracted verbatim from public transcripts. Mentions from the newest quarter are a Pro feature.
“In December, we successfully embedded Fiserv's Cash Flow Central, an integrated accounts payables and receivables management solution, into RUN”
ADP embedded Fiserv's Cash Flow Central (AP/AR management) into its RUN small-business platform, extending Fiserv's product reach into ADP's small-business client base.
“They're reporting results right now as well and the stock is down quite a bit because they're going through quite a bit of change, cultural shift.”
An analyst notes Fiserv's stock is down sharply amid restructuring and a cultural shift, raising whether the turmoil could alter ADP's partnership targets.
“I think it's almost exactly 1 month to the day that I was on stage with the CEO of Fiserv. We are very committed to this partnership.”
ADP reaffirms strong commitment to its embedded-payroll partnership with Fiserv, serving RUN inside Fiserv platforms, though the bulk of the opportunity is still ahead.
“We are very pleased with things and how they are progressing with specifically the Fiserv partnership or Clover as you mentioned.”
ADP and Fiserv have expanded their embedded payroll partnership, deploying ADP's RUN offer inside Fiserv's Clover platform, with further rollout planned for fiscal 2026.
“that is being developed with Fifth Third and Fiserv.”
Fifth Third is building the new Direct Express technology platform with Fiserv as its technology vendor.
“we also continued to advance our embedded payroll partnership with Fiserv, we are actively referring our clients and prospects to Fiserv's Clover point-of-sale solution, while Fiserv is referring its merchant clients to ADP's run payroll.”
ADP and Fiserv are cross-referring clients as part of an embedded payroll partnership pairing ADP's RUN payroll product with Fiserv's Clover point-of-sale platform, with deeper technical integration expected later in the year.
“you're going to look to do these developments in consortium with other banks are leveraging some of your key vendors like Fiserv.”
Citizens flags Fiserv as one of the key technology vendors it may lean on, in consortium with other banks, as it explores stablecoin and payments infrastructure.
“We are collaborating across the ecosystem to expand PYUSD's prominence as a commerce-first stablecoin with a network of exchanges, custodians and other payments partners, including Coinbase, Fiserv and Mastercard.”
Fiserv is named as one of PayPal's ecosystem partners expanding PYUSD stablecoin adoption.
“Through the platform, Fiserv's Clover is partnering with us to offer SMEs discounted point-of-sale capabilities and Square is providing tailored educational programs to help small business thrive.”
Fiserv's Clover platform is partnering with Mastercard's small business navigator to offer discounted point-of-sale capabilities to SMEs.
“We see agentic fundamentally changing the payments landscape and are working with Google, Mastercard and Visa to bring agentic to mainstream commerce.”
Fiserv is working with Visa to bring agentic commerce to mainstream payments.
“We see agentic fundamentally changing the payments landscape and are working with Google, Mastercard and Visa to bring agentic to mainstream commerce.”
Fiserv is working with Mastercard to bring agentic commerce to mainstream payments.
“We see agentic fundamentally changing the payments landscape and are working with Google, Mastercard and Visa to bring agentic to mainstream commerce.”
Fiserv is working with Google to bring agentic commerce to mainstream payments.
| Analyst | Firm | Questions (Challenge)Percentage of questions scored as challenging — where the analyst pushed back, pressed for specifics, or questioned management's assumptions. |
|---|---|---|
| Tien-Tsin Huang | JPMorgan | 6 (33%) |
| Dave Koning | Robert W. Baird | 5 (40%) |
| Darrin Peller | Wolfe Research |
“With the closing of the StoneCastle acquisition, we introduced stablecoin custody capabilities, allowing us to recycle reserves back to financial institutions, a unique capability in the space.”
Fiserv closed the StoneCastle acquisition, adding stablecoin custody and next-gen cash management capabilities.
“We advanced our efforts in stablecoin through the exploration of pilots with Huntington and several other banks, including use cases in cross-border payments, digital escrow and interbank money movement.”
Fiserv is running stablecoin pilots with Huntington and other banks across cross-border, escrow and interbank use cases.
“On Optis, we signed a multiyear extension with PNC and a new mandate with Fidem Financial, a fast-growing credit card asset manager that has acquired over $15 billion in assets.”
Fidem Financial, a fast-growing card asset manager, is a new Optis mandate; Fiserv will power its co-branded card programs.
“On Optis, we signed a multiyear extension with PNC and a new mandate with Fidem Financial, a fast-growing credit card asset manager that has acquired over $15 billion in assets.”
PNC signed a multiyear Optis card-processing extension with Fiserv.
“refreshing our merchant relationship with Truist, which will now support businesses of all sizes across the bank's large footprint including 1,900 branches”
Fiserv refreshed its Clover merchant distribution relationship with Truist across the bank's 1,900 branches.
“we introduced our flagship partnership with SMCC to offer Clover to SMBs in Japan starting later this year.”
Fiserv's flagship SMCC partnership will bring Clover to SMBs in Japan.
“Canada grew strongly in 2025 and should further accelerate as we ramp up our new strategic relationship with TD.”
Fiserv's new strategic relationship with TD is expected to accelerate its Canadian Clover growth.
“our launch in Brazil continues to be highly successful with results tracking ahead of plan and reflecting the importance of partnering with market-leading financial institutions like Caixa”
Fiserv's Brazil Clover launch, partnered with Caixa, is tracking ahead of plan.
“Horizontally, we are seeing strong early success in our workforce management partnership with Homebase, and we continued our build-out with ADP, a partnership that is already producing strong sales collaboration and that has significant potential over time.”
Fiserv is building out its ADP partnership (CashFlow Central embedded in ADP's RUN platform), producing strong sales collaboration.
| Tim Chiodo | UBS | 5 (0%) |
| Jason Kupferberg | Wells Fargo | 4 (0%) |
| Will Nance | Goldman Sachs | 4 (25%) |
| Harshita Rawat | Bernstein | 4 (25%) |
| Jim Faucette | Morgan Stanley | 4 (0%) |
| Dan Dolev | Mizuho Securities | 4 (0%) |
| Andy Jeffrey | William Blair | 3 (0%) |
| Firm | Analysts | Questions (Challenge)Percentage of questions scored as challenging — where the analyst pushed back, pressed for specifics, or questioned management's assumptions. |
|---|---|---|
| JPMorgan | 1 | 6 (33%) |
| UBS | 1 | 5 (0%) |
| Wells Fargo | 2 | 5 (0%) |
| Wolfe Research | 1 | 5 (20%) |
| Robert W. Baird | 1 | 5 (40%) |
| Morgan Stanley | 1 | 4 (0%) |
| Goldman Sachs | 1 | 4 (25%) |
| Mizuho Securities | 1 | 4 (0%) |
Fiserv closed FY2025 with Q4 adjusted revenue essentially flat and EPS of $1.99 down 8% as the company entered the investment phase of the One Fiserv reset. Clover revenue growth decelerated to 12% as fee eliminations and pricing resets took effect, while Financial Solutions continued to decline. New FY2026 guidance of $8.00-$8.30 EPS and 1-3% organic revenue growth was introduced, framing 2026 as a transition year before reacceleration.
Revenue Growth | Competitive Dynamics | Demand | Guidance Reliability | Product Launch | Margin | Geographic Expansion | Macroeconomic | |
|---|---|---|---|---|---|---|---|---|
| 2024Q4 | 4 | 1 | 5 | 2 | 1 | |||
| 2025Q1 | 5 | 3 | 4 | 2 | 3 | 2 | ||
| 2025Q2 | 5 | 1 | 3 | 1 | 1 | 1 | ||
| 2025Q3 | 3 | 1 | 3 | 1 | ||||
| 2025Q4 | 8 | 3 | 3 | 1 | 1 | 1 | 1 | |
| 2026Q1 | 6 | 5 | 2 | 2 | 1 |
| '24Q4 | '25Q1 | '25Q2 | '25Q3 | '25Q4 | '26Q1 | |
|---|---|---|---|---|---|---|
| Revenue Growth | 4 | 5 | 5 | 3 | 8 | 6 |
| Competitive Dynamics | 1 | 3 | 1 | 1 | 3 | 5 |
| Demand | 5 | 4 | 3 | 2 | ||
| Guidance Reliability | 3 | 3 | 1 | |||
| Product Launch | 2 | 1 | 1 | 2 | ||
| Margin | 2 | 1 | 1 | 1 | ||
| Geographic Expansion | 3 | 1 | 1 | |||
| Macroeconomic | 1 | 2 | 1 |
| Company | Score | Trend | Rev YoY |
|---|---|---|---|
FISV Fiserv, Inc. | 3 | -2.0% | |
| ACN Accenture | 6 | +5.6% | |
| BR Broadridge Financial Solutions | 8 | +7.8% | |
| CDW CDW | 8 | +9.3% | |
| CTSH Cognizant | 8 | +5.8% | |
| EPAM EPAM Systems | 8 | +7.6% | |
| FIS Fidelity National Information Services | 7 | +30.1% | |
| IBM International Business Machines Corporation | 8 | +9.5% | |
| IT Gartner | 8 | +2.0% | |
| JKHY Jack Henry & Associates | 8 | +8.7% | |
| LDOS Leidos | 7 | +3.6% |