Fiserv stock tumbles after lowering guidance despite Q2 beat

Published 23/07/2025, 13:56
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Investing.com -- Fiserv (NYSE:FI) stock declined 15% pre-open Wednesday after the payment processor lowered its full-year organic revenue growth guidance despite beating second-quarter expectations.

The Milwaukee-based company reported second-quarter earnings per share of $2.47, exceeding analyst estimates of $2.43. Revenue came in at $5.52 billion, surpassing the consensus estimate of $5.2 billion and representing an 8% increase compared to the same quarter last year.

Despite the quarterly beat, Fiserv refined its full-year 2025 organic revenue growth outlook to "approximately 10%" from its previous guidance of 10% to 12%, while maintaining its adjusted EPS forecast of $10.15 to $10.30, representing growth of 15% to 17%.

The company’s Merchant Solutions segment posted 9% organic revenue growth, while Financial Solutions grew 7% organically. However, analysts noted weakness in the merchant business, with operating margins in the segment declining to 34.6% compared to 36.6% in the same period last year.

"The focus will be on weaker-than-expected organic growth in merchant solutions, the narrowed consolidated organic growth outlook and a y/y decline in merchant margins," noted Jefferies analyst Trevor Williams, who maintains a hold rating on the stock.

Mizuho (NYSE:MFG) analyst Dan Dolev, who has an outperform rating, commented that the new organic growth guidance "may weigh on stock and call into question the 2H ramp of strategic initiatives," adding that "Merchant weakness overshadows solid financial solutions" results.

The company reported free cash flow of $1.54 billion in the first six months of 2025 and repurchased 12.2 million shares for $2.2 billion during the second quarter.

CEO Mike Lyons emphasized the company’s progress on "client-centric innovation, deepening client relationships, and operational efficiency" despite the guidance adjustment.

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