Like many fintechs, the company is leaning heavily on artificial intelligence to stay competitive with banks and merchants while keeping costs in check. During its latest earnings call, the CEO highlighted a strategic review launched in October aimed at simplifying the business and deploying new AI tools across the organization and for clients.
The focus is on agentic commerce, a form of AI that’s gaining traction among retailers. The CEO emphasized that these capabilities can be brought to small and mid‑size banks, credit unions, and businesses that often struggle to scale new technology.
Financially, the fourth quarter showed signs of stabilization after a miss in the third. Adjusted earnings per share hit $1.99, a 21% decline from the previous year’s fourth quarter, while full‑year earnings per share were $8.64, down 2%. Revenue for the quarter was $4.90 billion, flat YoY, and full‑year revenue reached $19.80 billion, up 4%. For 2026, management projects organic revenue growth of 1% to 3% and EPS of $8.00 to $8.30.
Analysts had expected about $1.90 in EPS and $4.87 billion in revenue, so the fourth‑quarter results largely met expectations. The earlier third‑quarter miss, however, prompted a comprehensive restructuring plan called “One Fiserv.”
As part of that plan, the company appointed a new chief financial officer and brought in a chief operating officer who now co‑presides with the former CEO of a major health‑insurer’s financial services arm. Additional senior talent was added, client‑facing resources expanded, and the partnership with technology consultants was overhauled.
The CEO himself took the helm in February, succeeding a long‑time leader who moved on to public‑sector roles. The leadership change signals a fresh push to realign the company’s strategy and culture.
Technology moves include an expanded partnership with an enterprise AI firm, ServiceNow, which is expected to improve internal IT operations and customer service for clients. The company is also collaborating with industry giants like Google, Mastercard, and Visa to mainstream agentic commerce, a move that could streamline processes and catch performance issues earlier.
Experts note that while AI investments in the banking sector are largely internal and still maturing, the alliance with ServiceNow should yield performance gains over time. The focus on AI, coupled with a new strategic direction, aims to lift the company’s fortunes and position it for long‑term growth.
In short, the company’s strategy to harness AI and expand buy‑now‑pay‑later options, alongside organizational restructuring, is designed to spur a recovery and drive sustainable value for its customers and shareholders.
