MarketCapExport financials
Fiserv (FISV)
The export includes the complete available history of financial statements and ratios. Numbers are provided in full, without million or billion abbreviations, in their original reporting units.
CSV downloads as a ZIP archive with one file for each report and frequency.
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Fiserv Balance Sheet 2025-2006 | FISV
Brief overview of Fiserv's balance sheet strength
The balance sheet is assessed across five available annual reports spanning 2021 to 2025.
Assets increased +5.1%, from $76.2 billion to $80.1 billion. The business expanded, but without sharp acceleration.
Liabilities expanded faster than the asset base, +22.6% versus +5.1%. Debt-service capacity deserves attention.
Shareholders' equity accounts for 32.2% of assets, previously 41.5%. Dependence on liabilities is moderate.
Net debt reached $27.1 billion, equal to 1.05x of equity. The debt profile is moderately stretched.
The cash reserve occupies 1% of the balance sheet, previously 1.1%. It is one marker of short-term resilience.
Retained earnings stand at $27.1 billion; the five-period change was +82.2%. This reflects accumulated business performance.
Overall picture
Fiserv's financial structure is not clear-cut. Asset scale alone does not resolve questions about how those assets are funded.
Annual Balance Sheet Fiserv
| 2025 | 2024 | 2023 | 2022 | 2021 | 2020 | 2019 | 2018 | 2017 | 2016 | 2015 | 2014 | 2013 | 2012 | 2011 | 2010 | 2009 | 2008 | 2007 | 2006 | |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
Net Debt |
27.1 B | 22.6 B | 21.3 B | 20.2 B | 20 B | 19 B | 20.6 B | 5.54 B | 4.58 B | 4.26 B | 4.02 B | 3.51 B | 3.45 B | 2.87 B | 3.06 B | 2.79 B | 3.28 B | 3.88 B | - | - |
Long Term Debt |
27.8 B | 23.7 B | 22.4 B | 21 B | 20.7 B | 19.8 B | 21.4 B | 5.96 B | 4.9 B | 4.47 B | 4.29 B | 3.71 B | 3.76 B | 3.23 B | 3.22 B | 3.35 B | 3.38 B | 3.85 B | - | - |
Long Term Debt Current |
126 M | 116 M | 118 M | 124 M | 122 M | 125 M | 140 M | - | - | - | - | - | - | 2 M | 179 M | 3 M | 259 M | 255 M | - | - |
Total Non Current Liabilities |
- | - | - | - | - | - | 27.2 B | 6.96 B | 5.62 B | 5.38 B | 5.18 B | 4.56 B | 4.6 B | 3.98 B | 3.91 B | - | - | - | - | - |
Total Current Liabilities |
23.9 B | 22.2 B | 33.6 B | 26.5 B | 18.3 B | 15.6 B | 15.7 B | 2.01 B | 1.94 B | 1.82 B | 1.5 B | 1.49 B | 1.33 B | 1.1 B | 1.38 B | 891 M | 1.16 B | 2.04 B | - | - |
Total Liabilities |
54.3 B | 49.5 B | 60.2 B | 52.2 B | 44.3 B | 41.5 B | 42.9 B | 8.97 B | 7.56 B | 7.2 B | 6.68 B | 6.04 B | 5.93 B | 5.08 B | 5.29 B | 5.05 B | 5.35 B | 6.74 B | - | - |
Deferred Revenue |
865 M | 819 M | 761 M | 625 M | 585 M | 1.25 B | 1.14 B | 944 M | 1.03 B | 892 M | 803 M | 750 M | 674 M | 526 M | 369 M | 351 M | 337 M | 338 M | - | - |
Retained Earnings |
27.1 B | 23.6 B | 20.4 B | 17.4 B | 14.8 B | 13.4 B | 12.5 B | 11.6 B | 10.2 B | 8.99 B | 8.06 B | 7.35 B | 6.6 B | 5.95 B | 5.34 B | 4.87 B | 4.37 B | 3.9 B | - | - |
Total Assets |
80.1 B | 77.2 B | 90.9 B | 83.9 B | 76.2 B | 74.6 B | 77.5 B | 11.3 B | 10.3 B | 9.74 B | 9.34 B | 9.34 B | 9.51 B | 8.5 B | 8.55 B | 8.28 B | 8.38 B | 9.33 B | - | - |
Cash and Cash Equivalents |
798 M | 1.24 B | 1.2 B | 902 M | 835 M | 906 M | - | - | - | - | - | - | 400 M | 358 M | 337 M | 563 M | 363 M | 230 M | 295 M | 115 M |
Book Value |
25.8 B | 27.7 B | 30.7 B | 31.7 B | 32 B | 33.1 B | 34.6 B | 2.29 B | 2.73 B | 2.54 B | 2.66 B | 3.3 B | 3.58 B | 3.42 B | 3.26 B | 3.23 B | 3.03 B | 2.59 B | - | - |
Total Shareholders Equity |
25.8 B | 27.1 B | 29.9 B | 30.8 B | 31.7 B | 33.1 B | 33 B | 2.29 B | 2.73 B | 2.54 B | 2.66 B | 3.3 B | 3.58 B | 3.42 B | 3.26 B | 3.23 B | 3.03 B | 2.59 B | - | - |
Annual performance
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All numbers in USD currency
Quarterly Balance Sheet Fiserv
| 2026-Q2 | 2026-Q1 | 2025-Q3 | 2025-Q2 | 2025-Q1 | 2024-Q3 | 2024-Q2 | 2024-Q1 | 2023-Q3 | 2023-Q2 | 2023-Q1 | 2022-Q4 | 2022-Q3 | 2022-Q2 | 2022-Q1 | 2021-Q4 | 2021-Q3 | 2021-Q2 | 2021-Q1 | 2020-Q4 | 2020-Q3 | 2020-Q2 | 2020-Q1 | 2019-Q4 | 2019-Q3 | 2019-Q2 | 2019-Q1 | 2018-Q4 | 2018-Q3 | 2018-Q2 | 2018-Q1 | 2017-Q4 | 2017-Q3 | 2017-Q2 | 2017-Q1 | 2016-Q4 | 2016-Q3 | 2016-Q2 | 2016-Q1 | 2015-Q4 | 2015-Q3 | 2015-Q2 | 2015-Q1 | 2014-Q4 | 2014-Q3 | 2014-Q2 | 2014-Q1 | 2013-Q4 | 2013-Q3 | 2013-Q2 | 2013-Q1 | 2012-Q4 | 2012-Q3 | 2012-Q2 | 2012-Q1 | 2011-Q4 | 2011-Q3 | 2011-Q2 | 2011-Q1 | 2010-Q3 | 2010-Q2 | 2010-Q1 | 2009-Q3 | 2009-Q2 | |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
Long Term Debt |
26.7 B | 27.9 B | 28.9 B | 28.1 B | 27 B | 24.1 B | 24.4 B | 23.8 B | 22.7 B | 22.6 B | 21.9 B | 21 B | 20.8 B | - | 20.5 B | 20.7 B | 20.5 B | 20.4 B | 20.8 B | 20.3 B | 20.3 B | 20.3 B | 20.3 B | 21.6 B | 21.6 B | 21.6 B | 21.6 B | 5.96 B | 5.96 B | 5.96 B | 5.96 B | 4.9 B | 4.9 B | 4.9 B | 4.9 B | 4.47 B | 4.47 B | 4.47 B | 4.47 B | 4.29 B | 4.29 B | 4.29 B | 4.29 B | 3.7 B | 3.71 B | 3.71 B | 3.71 B | 3.76 B | 3.76 B | 3.76 B | 4.05 B | 3.23 B | 3.45 B | 3.24 B | 3.22 B | 3.22 B | 3.22 B | 3.22 B | 3.22 B | 3.45 B | 3.38 B | 3.38 B | 3.77 B | 3.75 B |
Total Liabilities |
54 B | 54.3 B | 54.2 B | 55.8 B | 53.9 B | 51.4 B | 64.6 B | 63.1 B | 53.8 B | 46.7 B | 45.6 B | 52.2 B | 44.5 B | - | 43.3 B | 44.3 B | 43.2 B | 43 B | 42 B | 41.3 B | 41.3 B | 41.3 B | 41.3 B | 42.7 B | 42.7 B | 42.7 B | 42.7 B | 8.97 B | 8.97 B | 8.97 B | 8.97 B | 7.56 B | 7.56 B | 7.56 B | 7.56 B | 7.2 B | 7.2 B | 7.2 B | 7.2 B | 6.68 B | 6.68 B | 6.68 B | 6.68 B | 6.01 B | 6.04 B | 6.04 B | 6.04 B | 5.93 B | 5.93 B | 5.93 B | 5.93 B | 5.08 B | 5.08 B | 5.08 B | 5.08 B | 5.29 B | 5.29 B | 5.29 B | 5.29 B | 5.39 B | 5.06 B | 5.19 B | 6.18 B | 6.35 B |
Deferred Revenue |
819 M | 844 M | 873 M | 885 M | 840 M | 770 M | 781 M | 779 M | 605 M | 674 M | 692 M | 625 M | 545 M | - | 611 M | 585 M | 529 M | 524 M | 555 M | 546 M | 546 M | 546 M | 546 M | 492 M | 492 M | 492 M | 492 M | 380 M | 380 M | 380 M | 380 M | 576 M | 451 M | 464 M | 494 M | 483 M | 483 M | 483 M | 483 M | 473 M | 473 M | 473 M | 473 M | 489 M | 489 M | 489 M | 489 M | 484 M | 484 M | 484 M | 484 M | 379 M | 379 M | 379 M | 379 M | 369 M | 369 M | 369 M | 369 M | 327 M | 318 M | 347 M | 301 M | 311 M |
Retained Earnings |
28.3 B | 27.6 B | 26.2 B | 25.5 B | 24.4 B | 22.6 B | 22.1 B | 21.2 B | 19.6 B | 18.6 B | 17.9 B | 17.4 B | 16.6 B | - | 15.5 B | 14.8 B | 14.4 B | 14 B | 13.7 B | 13.4 B | 13.4 B | 13.4 B | 13.4 B | 12.5 B | 12.5 B | 12.5 B | 12.5 B | 11.6 B | 11.6 B | 11.6 B | 11.6 B | 10.2 B | 10.2 B | 10.2 B | 10.2 B | 8.99 B | 8.99 B | 8.99 B | 8.99 B | 8.06 B | 8.06 B | 8.06 B | 8.06 B | 7.35 B | 7.35 B | 7.35 B | 7.35 B | 6.6 B | 6.6 B | 6.6 B | 6.6 B | 5.95 B | 5.95 B | 5.95 B | 5.95 B | 5.34 B | 5.34 B | 5.34 B | 5.34 B | 4.75 B | 4.62 B | 4.49 B | 4.25 B | 4.14 B |
Total Assets |
80.9 B | 80.5 B | 79.4 B | 81.5 B | 80.4 B | 79.8 B | 93.4 B | 92.7 B | 84.2 B | 77.6 B | 76.5 B | 83.9 B | 75.6 B | - | 75.5 B | 76.2 B | 75.8 B | 75.8 B | 74.8 B | 74.6 B | 74.6 B | 74.6 B | 74.6 B | 77.5 B | 77.5 B | 77.5 B | 77.5 B | 11.3 B | 11.3 B | 11.3 B | 11.3 B | 10.3 B | 10.3 B | 10.3 B | 10.3 B | 9.74 B | 9.74 B | 9.74 B | 9.74 B | 9.34 B | 9.34 B | 9.34 B | 9.34 B | 9.31 B | 9.34 B | 9.34 B | 9.34 B | 9.47 B | 9.51 B | 9.51 B | 9.51 B | 8.5 B | 8.5 B | 8.5 B | 8.5 B | 8.55 B | 8.55 B | 8.55 B | 8.55 B | 8.61 B | 8.18 B | 8.31 B | 9.1 B | 9.19 B |
Cash and Cash Equivalents |
627 M | 829 M | 1.07 B | 999 M | 1.18 B | 1.23 B | 1.2 B | 1.21 B | 1.35 B | 1.08 B | 1.05 B | 3.19 B | 3.38 B | 3.06 B | 2.83 B | 3.2 B | 2.98 B | 855 M | 2.41 B | 906 M | 919 M | 919 M | 919 M | 893 M | 933 M | 933 M | 933 M | 415 M | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | 409 M | 329 M | 307 M | 400 M | 321 M | 400 M | 400 M | 358 M | 358 M | 358 M | 358 M | 337 M | 337 M | 337 M | 337 M | 743 M | 338 M | 416 M | 278 M | 309 M |
Book Value |
26.9 B | 26.2 B | 25.1 B | 25.8 B | 26.5 B | 28.4 B | 28.8 B | 29.6 B | 30.4 B | 30.9 B | 31 B | 31.7 B | 31.1 B | - | 32.1 B | 32 B | 32.6 B | 32.8 B | 32.8 B | 33.3 B | 33.3 B | 33.3 B | 33.3 B | 34.9 B | 34.9 B | 34.9 B | 34.9 B | 2.29 B | 2.29 B | 2.29 B | 2.29 B | 2.73 B | 2.73 B | 2.73 B | 2.73 B | 2.54 B | 2.54 B | 2.54 B | 2.54 B | 2.66 B | 2.66 B | 2.66 B | 2.66 B | 3.3 B | 3.3 B | 3.3 B | 3.3 B | 3.54 B | 3.58 B | 3.58 B | 3.58 B | 3.42 B | 3.42 B | 3.42 B | 3.42 B | 3.26 B | 3.26 B | 3.26 B | 3.26 B | 3.23 B | 3.12 B | 3.12 B | 2.91 B | 2.84 B |
Total Shareholders Equity |
26.9 B | 26.2 B | 25.1 B | 25.2 B | 25.9 B | 27.8 B | 28.8 B | 29.4 B | 30.2 B | 30.7 B | 30.8 B | 30.8 B | 31 B | 31.8 B | 32 B | 31 B | 32.3 B | 31.8 B | 31.9 B | 32.3 B | 32.3 B | 32.3 B | 32.3 B | 33 B | 33 B | 33 B | 33 B | 2.29 B | 2.29 B | 2.29 B | 2.29 B | 2.73 B | 2.73 B | 2.73 B | 2.73 B | 2.54 B | 2.54 B | 2.54 B | 2.54 B | 2.66 B | 2.66 B | 2.66 B | 2.66 B | 3.3 B | 3.3 B | 3.3 B | 3.3 B | 3.58 B | 3.58 B | 3.58 B | 3.58 B | 3.42 B | 3.42 B | 3.42 B | 3.42 B | 3.26 B | 3.26 B | 3.26 B | 3.26 B | 3.23 B | 3.12 B | 3.12 B | 2.91 B | 2.84 B |
Quarterly performance
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All numbers in USD currency
Balance Sheet is a fundamental financial report of Fiserv, providing a complete picture of the company’s financial position at a specific point in time. Unlike the income statement, which records the results of operations over a certain period, the balance sheet shows what assets the company owns, what liabilities it has to creditors, and what equity is available to the owners.
For an investor, the balance sheet is important because it allows assessing the company’s financial stability, understanding how much debt it carries, and how dependent it is on borrowed financing. It helps calculate key liquidity and leverage ratios. When analyzing, attention should be paid to the debt-to-equity ratio (Debt/Equity), the amount of cash on the balance sheet, and the ratio of current liabilities to liquid assets.
Features of balance sheet analysis- Vertical and horizontal analysis
Vertical analysis shows the structure of the balance sheet as a percentage of total assets or liabilities, while horizontal analysis shows the dynamics of changes over multiple periods. - Asset quality
It is important to evaluate not only the amount of assets but also their liquidity and realizability. - Accounting for off-balance sheet liabilities
Some liabilities may not be directly reflected in the balance sheet, which requires additional attention.
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