10-QPeriod: Q2 FY2009

FISERV INC Quarterly Report for Q2 Ended Jun 30, 2009

Filed August 6, 2009For Securities:FISV

Summary

Fiserv Inc. reported second-quarter 2009 results showing a revenue decline of 20% year-over-year, largely attributed to the divestiture of its Insurance segment. Despite the revenue drop, operating income saw a slight increase of 2% due to improved operating margins in its core Financial and Payments segments and cost-saving initiatives. Diluted earnings per share (EPS) from continuing operations grew to $0.73 from $0.62 in the prior year's quarter, indicating enhanced profitability on a per-share basis. The company's balance sheet remains solid, with cash and cash equivalents increasing and total debt decreasing. Fiserv Inc. continues to manage its liquidity through operating cash flows and an available revolving credit facility. The company is also progressing with the sale of its remaining Fiserv ISS business, expecting to close by year-end 2009. While the company faces ongoing economic uncertainties and risks related to its business operations and pending litigation, the results suggest a focus on operational efficiency and profitability within its core segments. Investors should monitor the progress of the Fiserv ISS sale and any potential impacts from the ongoing legal proceedings.

Financial Statements
Beta

Key Highlights

  • 1Total revenues decreased by 20% to $1,032 million for the three months ended June 30, 2009, primarily due to the sale of the Insurance segment.
  • 2Income from continuing operations increased to $114 million for the three months ended June 30, 2009, from $102 million in the prior year, with diluted EPS from continuing operations rising to $0.73 from $0.62.
  • 3Operating income increased by 2% to $232 million, driven by improved operating margins in the Financial and Payments segments.
  • 4Total expenses decreased by 25% to $800 million, reflecting the impact of the Insurance segment divestiture and cost-saving initiatives.
  • 5Cash and cash equivalents increased to $309 million at June 30, 2009, from $232 million at December 31, 2008.
  • 6Long-term debt decreased to $3,751 million at June 30, 2009, from $3,850 million at December 31, 2008.
  • 7The company received a $25 million after-tax gain on discontinued operations in the second quarter of 2009, related to a prior sale, and expects to close the sale of the remaining Fiserv ISS business by the end of 2009.

Frequently Asked Questions

The primary driver for the 20% decrease in total revenues was the sale of a 51% interest in Fiserv's Insurance segment in July 2008. This divestiture significantly reduced consolidated revenues starting in the third quarter of 2008.

The increase in operating income was achieved through improved operating margins in the core Financial and Payments segments, along with successful implementation of cost-saving initiatives and efficiencies gained from the integration of CheckFree. The divestiture of the lower-margin Insurance segment also contributed to an overall margin improvement.

Fiserv is in the process of selling the remainder of its Fiserv ISS business, with an expected closing by the end of 2009. In the second quarter of 2009, the company recognized a $25 million after-tax gain related to a final contingent purchase price payment from a prior sale within Fiserv ISS.

Fiserv Inc. maintains a solid liquidity position, with cash and cash equivalents of $309 million as of June 30, 2009, and an undrawn $900 million revolving credit facility. The company has been actively repaying long-term debt, reducing its total outstanding debt to $3.75 billion from $3.85 billion at year-end 2008, focusing on using operating cash flow for debt reduction and capital expenditures.