10-QPeriod: Q2 FY2025

Fidelity National Information Services, Inc. Quarterly Report for Q2 Ended Jun 30, 2025

Filed August 5, 2025For Securities:FIS

Summary

Fidelity National Information Services, Inc. (FIS) reported solid revenue growth in the second quarter of 2025, driven by its Banking and Capital Markets segments, with a notable increase in recurring revenue. The company's strategic focus on modernization and integrated solutions continues to underpin this performance. Despite revenue growth, gross profit margin saw a slight decrease due to increased costs related to software amortization, personnel, and transaction volumes, alongside higher indirect costs. Significant ongoing strategic initiatives include the pending acquisition of Global Payments' Issuer Solutions business, which is expected to close in the first half of 2026 and will be funded by approximately $8.0 billion in new debt. Concurrently, FIS is divesting its remaining equity interest in Worldpay as part of this transaction. Financially, FIS maintained strong liquidity with $3.3 billion available as of June 30, 2025. The company continues its share repurchase program, having bought back $246 million in the second quarter, with $2.4 billion remaining authorization. Operating cash flow improved year-over-year, aided by better working capital management. However, interest expense has increased significantly, partly due to bridge facility fees for the upcoming acquisition, and a substantial equity method investment loss was recorded, primarily related to the impending sale of the Worldpay stake and associated tax liabilities.

Financial Statements
Beta

Key Highlights

  • 1Revenue increased by 5% year-over-year for the three months ended June 30, 2025, reaching $2,616 million, driven by recurring revenue growth in Banking and Capital Markets.
  • 2Gross profit margin decreased slightly to 36% from 38% in the prior year's quarter due to increased cost of revenue related to software amortization, personnel, and transaction volumes.
  • 3Selling, general, and administrative expenses decreased by 6% year-over-year for the quarter, primarily due to lower advisory fees related to the Worldpay Sale and transformation activities.
  • 4The company is progressing with its pending acquisition of Global Payments' Issuer Solutions business, expected to close in the first half of 2026, funded by $8.0 billion in new debt and the sale of FIS' remaining Worldpay equity.
  • 5Interest expense significantly increased by 156% year-over-year for the quarter, largely due to bridge facility fees for the Issuer Solutions Acquisition and lower interest income compared to the prior year.
  • 6Equity method investment loss (net of tax) was $(598) million for the quarter, impacted by the agreement to sell the remaining Worldpay interest and related deferred tax liability.
  • 7Liquidity remains strong, with $3.3 billion available as of June 30, 2025, comprising $0.6 billion in cash and cash equivalents and $2.8 billion in revolving credit facility capacity.

Frequently Asked Questions

FIS reported revenue growth of 5% to $2,616 million for the three months ended June 30, 2025, primarily driven by recurring revenue in its Banking and Capital Markets segments. However, gross profit margin decreased slightly due to increased costs. Selling, general, and administrative expenses decreased due to lower advisory fees. Interest expense saw a significant increase, and the company reported a substantial loss on equity method investments.

The most significant strategic initiatives are the pending acquisition of Global Payments' Issuer Solutions business for $13.5 billion, expected to close in the first half of 2026, and the concurrent sale of FIS' remaining equity interest in Worldpay. This transaction is being financed with approximately $8.0 billion in new debt. The company also continues to invest in innovation and modernization of its digital platforms.

FIS maintained a strong liquidity position with $3.3 billion available as of June 30, 2025. The company has $0.6 billion in cash and cash equivalents and $2.8 billion available under its Revolving Credit Facility. While debt increased due to funding the upcoming acquisition, FIS intends to maintain investment-grade debt ratings and has ample operating cash flow to cover its near-term obligations. They also continue with their share repurchase program.

FIS faces various risks, including general economic conditions, interest rate and currency fluctuations, successful integration of acquisitions, cybersecurity threats, evolving regulatory landscapes (including AI), competitive pressures, and the successful completion and realization of benefits from its pending strategic transactions. The company's disclosures highlight the importance of monitoring these factors.