10-QPeriod: Q1 FY2011

FISERV INC Quarterly Report for Q1 Ended Mar 31, 2011

Filed May 4, 2011For Securities:FISV

Summary

Fiserv, Inc. reported revenue of $1,048 million for the first quarter of 2011, a 4% increase from the prior year period. This growth was primarily driven by the Payments segment (up 7%) and the Financial segment (up 2%). While revenue saw a modest increase, total expenses rose by 7%, largely due to an 18% increase in selling, general, and administrative expenses, which included a significant $18 million severance charge. This expense increase outpaced revenue growth, leading to a 7% decrease in operating income to $221 million and a decline in operating margin to 21.1% from 23.7% in the prior year quarter. Despite the decrease in operating income, net income remained relatively stable at $112 million ($0.76 per diluted share) compared to $121 million ($0.79 per diluted share) in the prior year quarter. The company completed three acquisitions in the quarter for $49 million, with M-Com being a notable addition to enhance mobile capabilities. Fiserv also continued its share repurchase program, buying back $252 million of its stock, while maintaining a strong liquidity position with $517 million in cash and cash equivalents and $972 million available under its revolving credit facility.

Financial Statements
Beta

Key Highlights

  • 1Total revenue increased by 4% to $1,048 million in Q1 2011, driven by growth in both the Payments and Financial segments.
  • 2Operating income decreased by 7% to $221 million, impacted by a 7% increase in total expenses, including a substantial $18 million severance charge.
  • 3Net income was $112 million, a slight decrease from $121 million in the prior year, resulting in diluted EPS of $0.76.
  • 4The company completed three acquisitions in the quarter for a total of $49 million, aiming to enhance its product and service offerings, particularly in mobile capabilities.
  • 5Fiserv actively engaged in share repurchases, spending $252 million on buying back its common stock.
  • 6The company maintained a healthy liquidity position with $517 million in cash and cash equivalents and significant availability under its revolving credit facility.
  • 7Interest expense remained flat year-over-year at $45 million, benefiting from interest rate hedging strategies.

Frequently Asked Questions

Revenue growth of 4% to $1,048 million was primarily driven by increased processing and services revenue in the Payments segment (up 7%) due to new clients and higher transaction volumes, and growth in the Financial segment (up 2%) from account processing businesses. Acquired companies contributed $2 million to revenue.

Total expenses increased by 7% to $827 million, outpacing revenue growth. This was largely due to an 18% increase in selling, general, and administrative expenses, which included a $18 million severance charge and $5 million in merger and integration expenses. Additionally, cost of product as a percentage of product revenue increased.

Fiserv completed three acquisitions in the first quarter of 2011 for a total of $49 million, including M-Com. These acquisitions are expected to enhance mobile channel and payments capabilities. Their financial impact was not considered material enough to require pro forma disclosures, but they contributed $2 million to revenue in the quarter.

Fiserv maintains a strong liquidity position with $517 million in cash and cash equivalents and $972 million in available borrowings under its revolving credit facility. Long-term debt remained stable at approximately $3.35 billion. The company uses interest rate hedges to manage exposure to interest rate fluctuations and prioritizes using operating cash flow for debt repayment, capital expenditures, acquisitions, and share repurchases rather than dividends.