10-QPeriod: Q2 FY2017

FISERV INC Quarterly Report for Q2 Ended Jun 30, 2017

Filed August 2, 2017For Securities:FISV

Summary

Fiserv Inc. reported steady financial performance for the six months ended June 30, 2017, with total revenue increasing by 3% to $2.78 billion compared to the same period in 2016. This growth was primarily driven by the Processing and services segment, which saw a 4% increase in revenue. Operating income also grew by 5% to $737 million, demonstrating improved profitability. The company successfully managed its expenses, with total expenses increasing by 3% but decreasing as a percentage of revenue, partially benefiting from a gain on the sale of its Australian item processing business. The company's balance sheet shows total assets of $9.68 billion and total liabilities of $7.29 billion as of June 30, 2017. Fiserv maintained a strong liquidity position, with $299 million in cash and cash equivalents and $1.2 billion available under its revolving credit facility. The company continued its strategy of disciplined capital allocation, repurchasing approximately $684 million of its common stock during the period, while also actively managing its debt. Overall, the results indicate a company with consistent revenue growth, controlled expenses, and a sound financial structure.

Financial Statements
Beta
Revenue$1.39B
Cost of Revenue$175.00M
Gross Profit$1.21B
SG&A Expenses$276.00M
Operating Expenses$1.01B
Operating Income$372.00M
Interest Expense$44.00M
Net Income$221.00M
EPS (Basic)$0.52
EPS (Diluted)$0.51
Shares Outstanding (Basic)423.60M
Shares Outstanding (Diluted)432.50M

Key Highlights

  • 1Total revenue for the six months ended June 30, 2017, increased by 3% year-over-year to $2.78 billion, driven by growth in the Processing and services segment.
  • 2Operating income for the six-month period rose by 5% to $737 million, indicating improved operational efficiency.
  • 3Net income for the six months ended June 30, 2017, was $468 million, a decrease of 7% from $501 million in the prior year, impacted by a significant gain on investment in unconsolidated affiliate in the prior year.
  • 4Diluted earnings per share for the six months ended June 30, 2017, were $2.15, a slight decrease from $2.21 in the prior year.
  • 5The company maintained a strong liquidity position with $299 million in cash and cash equivalents and a $1.2 billion revolving credit facility available.
  • 6Fiserv actively repurchased $684 million of its common stock in the first six months of 2017 as part of its capital allocation strategy.
  • 7The company completed the acquisition of Online Banking Solutions, Inc. for $78 million and made an offer to acquire Monitise plc, demonstrating continued pursuit of strategic growth opportunities.

Frequently Asked Questions

Revenue growth was primarily driven by the Processing and services segment, which saw a 4% increase due to higher transaction volumes in card services and increased license revenue in investment services. The Financial segment also contributed with a 3% increase, mainly from lending solutions and account processing businesses. Acquisitions also added to revenue growth.

Operating income increased by 5% to $737 million, reflecting improved operational performance. However, net income decreased by 7% to $468 million. This decrease was largely due to a significant gain from an investment in an unconsolidated affiliate ($146 million pre-tax) recognized in the first half of 2016, which was not present in the same magnitude in 2017 (gain of $26 million pre-tax).

Fiserv maintains a strong liquidity position with $299 million in cash and cash equivalents as of June 30, 2017. They also have significant borrowing capacity available under their $2.0 billion revolving credit facility. Total debt increased slightly to $4.74 billion, primarily consisting of senior notes, revolving credit facility borrowings, and term loan borrowings. The company was in compliance with all debt covenants.

Fiserv is focused on strategic initiatives including active portfolio management, enhancing client relationships (especially with digital and payments solutions), improving operational effectiveness, disciplined capital allocation, and innovation. They completed the acquisition of Online Banking Solutions, Inc. and made an offer for Monitise plc, indicating a continued interest in strategic acquisitions.