10-QPeriod: Q3 FY2011

FISERV INC Quarterly Report for Q3 Ended Sep 30, 2011

Filed November 2, 2011For Securities:FISV

Summary

Fiserv Inc. reported solid revenue growth of 4% for both the third quarter and the first nine months of 2011, reaching $1.06 billion and $3.18 billion respectively. This growth was primarily driven by the Payments segment, which saw a 7% increase in revenue, bolstered by new clients and increased transaction volumes. The company also successfully integrated two acquisitions in early 2011 and a significant acquisition of CashEdge in September 2011, which is expected to advance its digital payments strategy. Despite a slight decrease in operating income due to increased corporate expenses and debt extinguishment charges, the company's financial position remains strong, supported by substantial operating cash flow and an available credit facility. Financially, Fiserv Inc. demonstrated resilience with its recurring revenue model despite a challenging economic environment. The company managed its debt effectively, issuing new senior notes and repaying existing ones, resulting in a loss on early debt extinguishment but improving its long-term debt structure. While operating income saw a modest decline, this was largely attributable to one-time expenses and strategic investments, with core segments showing stable or growing profitability. The company's liquidity is robust, with significant cash on hand and substantial availability under its credit facility, positioning it well for future operations and strategic initiatives.

Financial Statements
Beta
Revenue$1.06B
Cost of Revenue$141.00M
Gross Profit$922.00M
SG&A Expenses$189.00M
Operating Expenses$820.00M
Operating Income$243.00M
Interest Expense$45.00M
Net Income$127.00M
EPS (Basic)$0.23
EPS (Diluted)$0.22
Shares Outstanding (Basic)564.40M
Shares Outstanding (Diluted)570.40M

Key Highlights

  • 1Total revenue grew by 4% to $1.06 billion in Q3 2011 and by 4% to $3.18 billion in the first nine months of 2011.
  • 2The Payments segment was the primary driver of revenue growth, increasing by 7% in both the third quarter and the first nine months of 2011.
  • 3Fiserv completed the acquisition of CashEdge Inc. in September 2011 for approximately $460 million, aimed at advancing its digital payments strategy.
  • 4Operating income for Q3 2011 decreased by 3% to $243 million, and for the first nine months of 2011 by 3% to $715 million, largely due to increased corporate expenses and debt extinguishment charges.
  • 5The company reported a loss on early debt extinguishment of $24 million in Q3 2011 and $85 million in the first nine months of 2011, related to the repurchase and redemption of senior notes.
  • 6Net cash provided by operating activities from continuing operations increased by 4% to $681 million in the first nine months of 2011.
  • 7The company maintained a strong liquidity position with $281 million in cash and cash equivalents and $852 million in available borrowings under its revolving credit facility as of September 30, 2011.

Frequently Asked Questions

Fiserv's revenue growth was primarily driven by its Payments segment, which saw a 7% increase in revenue. This growth was attributed to new client acquisitions and increased transaction volumes from existing clients, particularly in electronic payments and card services. The acquisition of CashEdge also contributed to revenue growth.

Fiserv completed the acquisition of CashEdge for approximately $460 million in September 2011, which is expected to enhance its digital payments capabilities. Earlier in the year, it acquired M-Com and two other companies for about $50 million. These acquisitions contributed to revenue growth, but also increased operating expenses, particularly within the 'Corporate and Other' segment due to integration costs and amortization of acquisition-related intangibles.

Fiserv recorded a pre-tax loss on early debt extinguishment of $24 million in the third quarter and $85 million in the first nine months of 2011. This was due to the repurchase and redemption of its 6.125% senior notes due in November 2012. While this resulted in a significant non-recurring charge, it allowed the company to refinance its debt at potentially lower rates and manage its debt maturity profile.

Fiserv reported strong operating cash flow of $681 million for the first nine months of 2011. As of September 30, 2011, the company had $281 million in cash and cash equivalents and $852 million available under its $1 billion revolving credit facility. The company issued $1 billion in new senior notes and used proceeds to repay existing debt, while also managing its debt covenants effectively.