Fiserv, Inc. (FISV) Balance Sheet
FISV balance sheet, 2025
December 31, 2025 · U.S. dollars$80.13B assets = $54.32B liabilities + $25.81B equity
Both columns are drawn to the same scale: what FISV owns equals what it owes plus shareholders’ equity. Hover a block for its value.
FISV financial health
Descriptive bands, not a rating. Fiscal 2025.
FISV balance sheet trends, 2016–2025
| Metric | Trend | Then | Latest | Change |
|---|---|---|---|---|
| Total assets | $9.74B2016 | $80.13B2025 | +26.4%/yr | |
| Total liabilities | $7.20B2016 | $54.32B2025 | +25.2%/yr | |
| Shareholders’ equity | $2.54B2016 | $25.79B2025 | +29.4%/yr | |
| Cash & short-term investments | $300.0M2016 | $798.0M2025 | +11.5%/yr | |
| Total debt | $4.56B2016 | $29.12B2025 | +22.9%/yr | |
| Net cash (debt) | −$4.26B2016 | −$28.32B2025 | −$24.1B | |
| Working capital | −$92.0M2016 | $764.0M2025 | +$856.0M | |
| Book value per share | $5.672016 | $46.982025 | +26.5%/yr | |
| Current ratio | 0.952016 | 1.032025 | +0.08 | |
| Debt / equity | 1.802016 | 1.132025 | −0.67 | |
| Shares outstanding | 447.8M2016 | 549.0M2025 | +2.3%/yr |
Change is the average annual growth (CAGR) or the difference between the first and latest year.
FISV assets
FISV liabilities and equity
FISV debt vs cash
Debt includes short- and long-term borrowings and, where reported, lease obligations.
FISV balance sheet
| 2025 | 2024 | 2023 | 2022 | 2021 | 2020 | 2019 | 2018 | 2017 | 2016 | |
|---|---|---|---|---|---|---|---|---|---|---|
| Assets | ||||||||||
| Cash & short-term investments | $798.0M | $1.24B | $1.20B | $902.0M | $835.0M | $906.0M | $893.0M | $415.0M | $325.0M | $300.0M |
| Cash & equivalents | $798.0M | $1.24B | $1.20B | $902.0M | $835.0M | $906.0M | $893.0M | $415.0M | $325.0M | $300.0M |
| Receivables | $4.13B | $4.23B | $3.58B | $3.58B | $2.86B | $2.48B | $2.78B | $1.05B | $997.0M | $902.0M |
| Inventory | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $69.4M | $76.4M | $0 |
| Other current assets | $19.73B | $18.02B | $30.02B | $23.06B | $15.18B | $12.83B | $13.37B | $690.6M | $576.6M | $526.0M |
| Total current assets | $24.65B | $23.48B | $34.81B | $27.54B | $18.87B | $16.22B | $17.05B | $2.22B | $1.98B | $1.73B |
| Property, plant & equipment (net) | $3.08B | $2.37B | $2.16B | $1.96B | $1.74B | $1.63B | $1.61B | $398.0M | $390.0M | $405.0M |
| Goodwill & intangible assets | $47.86B | $46.52B | $48.41B | $49.23B | $50.44B | $51.68B | $53.68B | $7.84B | $7.47B | $7.21B |
| Long-term investments | $1.05B | $1.51B | $2.26B | $2.40B | $2.56B | $0 | $0 | $0 | $0 | $0 |
| Other non-current assets | $3.48B | $3.29B | $3.24B | $2.74B | $2.63B | $5.09B | $5.21B | $795.0M | $452.0M | $404.0M |
| Total assets | $80.13B | $77.18B | $90.89B | $83.87B | $76.25B | $74.62B | $77.54B | $11.26B | $10.29B | $9.74B |
| Liabilities | ||||||||||
| Accounts payable | $797.0M | $511.0M | $449.0M | $652.0M | $593.0M | $437.0M | $392.0M | $127.0M | $80.0M | $110.0M |
| Short-term debt | $1.36B | $1.23B | $873.0M | $592.0M | $508.0M | $384.0M | $287.0M | $8.0M | $3.0M | $95.0M |
| Deferred revenue | $1.85B | $1.80B | $1.69B | $1.50B | $1.37B | $1.25B | $1.14B | $944.0M | $1.06B | $892.0M |
| Total current liabilities | $23.89B | $22.16B | $33.55B | $26.46B | $18.30B | $15.64B | $15.73B | $2.01B | $1.94B | $1.82B |
| Long-term debt | $26.12B | $23.07B | $21.71B | $20.41B | $20.20B | $0 | $0 | $0 | $0 | $0 |
| Lease obligations | $2.24B | $1.10B | $1.08B | $933.0M | $796.0M | — | — | — | — | — |
| Other long-term liabilities | $4.31B | $4.26B | $4.96B | $5.31B | $5.80B | $25.65B | $26.95B | $6.96B | $5.62B | $5.38B |
| Total liabilities | $54.32B | $49.49B | $60.22B | $52.18B | $44.30B | $41.29B | $42.68B | $8.97B | $7.56B | $7.20B |
| Shareholders' equity | ||||||||||
| Common stock & paid-in capital | $8.0M | $8.0M | $8.0M | $8.0M | $8.0M | $8.0M | $8.0M | $8.0M | $8.0M | $4.0M |
| Retained earnings (deficit) | $27.05B | $23.57B | $20.44B | $17.38B | $14.85B | $13.44B | $12.53B | $11.63B | $10.24B | $8.99B |
| Accumulated other comprehensive income | −$984.0M | −$1.41B | −$783.0M | −$1.19B | −$745.0M | −$387.0M | −$180.0M | −$67.0M | −$54.0M | −$76.0M |
| Minority interest | $17.0M | $618.0M | $812.0M | $860.0M | — | — | — | — | — | — |
| Total shareholders' equity | $25.79B | $27.07B | $29.86B | $30.83B | $30.95B | $32.33B | $32.98B | $2.29B | $2.73B | $2.54B |
| Key figures | ||||||||||
| Total debt | $29.12B | $24.96B | $23.24B | $21.54B | $21.24B | $20.68B | $21.90B | $5.96B | $4.90B | $4.56B |
| Net cash (debt) | −$28.32B | −$23.72B | −$22.03B | −$20.64B | −$20.40B | −$19.78B | −$21.01B | −$5.55B | −$4.58B | −$4.26B |
| Working capital | $764.0M | $1.32B | $1.26B | $1.09B | $575.0M | $582.0M | $1.32B | $214.0M | $37.0M | −$92.0M |
| Tangible book value | −$22.07B | −$19.46B | −$18.56B | −$18.40B | −$19.49B | −$19.35B | −$20.70B | −$5.55B | −$4.74B | −$4.67B |
| Book value per share | $46.98 | $46.50 | $48.48 | $47.58 | $46.09 | $47.31 | $63.11 | $5.54 | $6.33 | $5.67 |
| Shares outstanding | 549.0M | 582.1M | 615.9M | 647.9M | 671.6M | 683.4M | 522.6M | 413.7M | 431.2M | 447.8M |
| Current ratio | 1.03 | 1.06 | 1.04 | 1.04 | 1.03 | 1.04 | 1.08 | 1.11 | 1.02 | 0.95 |
| Quick ratio | 0.21 | 0.25 | 0.14 | 0.17 | 0.20 | 0.22 | 0.23 | 0.73 | 0.68 | 0.66 |
| Debt / equity | 1.13 | 0.92 | 0.78 | 0.70 | 0.69 | 0.64 | 0.66 | 2.60 | 1.79 | 1.80 |
| Equity / assets | 32.2% | 35.1% | 32.8% | 36.8% | 40.6% | 43.3% | 42.5% | 20.4% | 26.5% | 26.1% |
| Jun '26 | Mar '26 | Dec '25 | Sep '25 | Jun '25 | Mar '25 | Dec '24 | Sep '24 | Jun '24 | Mar '24 | Dec '23 | Sep '23 | |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Assets | ||||||||||||
| Cash & short-term investments | $627.0M | $829.0M | $798.0M | $884.0M | $532.0M | $641.0M | $1.24B | $617.0M | $609.0M | $596.0M | $1.20B | $720.0M |
| Cash & equivalents | $627.0M | $829.0M | $798.0M | $884.0M | $532.0M | $641.0M | $1.24B | $617.0M | $609.0M | $596.0M | $1.20B | $720.0M |
| Receivables | $3.91B | $4.00B | $4.13B | $4.24B | $4.36B | $4.33B | $4.23B | $3.83B | $3.74B | $3.57B | $3.58B | $3.46B |
| Inventory | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 |
| Other current assets | $20.83B | $19.95B | $19.73B | $19.04B | $21.59B | $20.62B | $18.02B | $20.68B | $33.97B | $32.92B | $30.02B | $24.40B |
| Total current assets | $25.36B | $24.78B | $24.65B | $24.16B | $26.47B | $25.59B | $23.48B | $25.12B | $38.33B | $37.09B | $34.81B | $28.58B |
| Property, plant & equipment (net) | $3.33B | $3.23B | $3.08B | $2.97B | $2.58B | $2.43B | $2.37B | $2.38B | $2.29B | $2.23B | $2.16B | $2.12B |
| Goodwill & intangible assets | $42.65B | $47.58B | $47.86B | $47.61B | $47.88B | $47.48B | $46.52B | $47.45B | $47.42B | $47.96B | $48.41B | $48.27B |
| Long-term investments | $1.03B | $1.03B | $1.05B | $1.08B | $1.07B | $1.54B | $1.51B | $1.58B | $0 | $0 | $0 | $0 |
| Other non-current assets | $8.52B | $3.93B | $3.48B | $3.55B | $3.52B | $3.36B | $3.29B | $3.25B | $5.39B | $5.41B | $5.50B | $5.18B |
| Total assets | $80.89B | $80.55B | $80.13B | $79.37B | $81.53B | $80.40B | $77.18B | $79.79B | $93.42B | $92.70B | $90.89B | $84.15B |
| Liabilities | ||||||||||||
| Accounts payable | $907.0M | $930.0M | $797.0M | $717.0M | $768.0M | $663.0M | $511.0M | $483.0M | $522.0M | $540.0M | $449.0M | $441.0M |
| Short-term debt | $1.33B | $1.45B | $1.36B | $1.44B | $1.65B | $1.40B | $1.23B | $1.31B | $1.22B | $785.0M | $873.0M | $764.0M |
| Deferred revenue | $819.0M | $844.0M | $1.85B | $1.85B | $1.87B | $1.83B | $1.80B | $1.75B | $1.75B | $1.73B | $1.69B | $1.50B |
| Total current liabilities | $24.31B | $23.42B | $23.89B | $22.38B | $24.32B | $23.29B | $22.16B | $23.57B | $36.20B | $35.12B | $33.55B | $26.63B |
| Long-term debt | $24.94B | $26.11B | $26.12B | $27.28B | $26.75B | $25.80B | $23.07B | $23.43B | $0 | $0 | $0 | $0 |
| Lease obligations | $2.47B | $2.42B | $2.24B | $2.17B | $1.86B | $1.76B | $1.10B | $1.10B | — | — | — | — |
| Other long-term liabilities | $4.71B | $4.79B | $4.31B | $4.58B | $4.70B | $4.79B | $4.26B | $4.40B | $28.44B | $28.00B | $26.67B | $27.14B |
| Total liabilities | $53.96B | $54.33B | $54.32B | $54.23B | $55.77B | $53.88B | $49.49B | $51.39B | $64.64B | $63.12B | $60.22B | $53.77B |
| Shareholders' equity | ||||||||||||
| Common stock & paid-in capital | $8.0M | $8.0M | $8.0M | $8.0M | $8.0M | $8.0M | $8.0M | $8.0M | $8.0M | $8.0M | $8.0M | $8.0M |
| Retained earnings (deficit) | $28.25B | $27.63B | $27.05B | $26.24B | $25.45B | $24.43B | $23.57B | $22.64B | $22.07B | $21.18B | $20.44B | $19.57B |
| Accumulated other comprehensive income | −$983.0M | −$1.03B | −$984.0M | −$985.0M | −$901.0M | −$1.19B | −$1.41B | −$956.0M | −$1.20B | −$994.0M | −$783.0M | −$1.17B |
| Minority interest | $22.0M | $20.0M | $17.0M | $23.0M | $548.0M | — | — | — | — | — | — | — |
| Total shareholders' equity | $26.90B | $26.20B | $25.79B | $25.12B | $25.21B | $25.88B | $27.07B | $27.75B | $28.15B | $28.80B | $29.86B | $29.57B |
| Key figures | ||||||||||||
| Total debt | $27.89B | $29.31B | $29.12B | $30.32B | $29.71B | $28.41B | $24.96B | $25.39B | $25.62B | $24.54B | $23.24B | $23.42B |
| Net cash (debt) | −$27.26B | −$28.48B | −$28.32B | −$29.43B | −$29.17B | −$27.77B | −$23.72B | −$24.78B | −$25.01B | −$23.94B | −$22.03B | −$22.70B |
| Working capital | $1.06B | $1.36B | $764.0M | $1.78B | $2.16B | $2.30B | $1.32B | $1.56B | $2.13B | $1.98B | $1.26B | $1.95B |
| Tangible book value | −$15.74B | −$21.38B | −$22.07B | −$22.49B | −$22.67B | −$21.60B | −$19.46B | −$19.70B | −$19.27B | −$19.16B | −$18.56B | −$18.70B |
| Book value per share | $50.20 | $48.94 | $48.03 | $46.37 | $45.62 | $45.84 | $46.50 | $48.10 | $48.09 | $48.42 | $49.54 | $48.46 |
| Shares outstanding | 535.9M | 535.4M | 537.0M | 541.8M | 552.7M | 564.7M | 582.1M | 576.9M | 585.4M | 594.8M | 602.7M | 610.3M |
| Current ratio | 1.04 | 1.06 | 1.03 | 1.08 | 1.09 | 1.10 | 1.06 | 1.07 | 1.06 | 1.06 | 1.04 | 1.07 |
| Quick ratio | 0.19 | 0.21 | 0.21 | 0.23 | 0.20 | 0.21 | 0.25 | 0.19 | 0.12 | 0.12 | 0.14 | 0.16 |
| Debt / equity | 1.04 | 1.12 | 1.13 | 1.21 | 1.18 | 1.10 | 0.92 | 0.92 | 0.91 | 0.85 | 0.78 | 0.79 |
| Equity / assets | 33.3% | 32.5% | 32.2% | 31.7% | 30.9% | 32.2% | 35.1% | 34.8% | 30.1% | 31.1% | 32.8% | 35.1% |
Quarterly columns are labeled by the month the quarter ended. Figures in U.S. dollars as reported (latest annual report filed February 19, 2026); data from EODHD.
FISV financial position
At the end of fiscal 2025 (December 31, 2025), Fiserv had total assets of $80.1 billion (up 3.8% from a year earlier), total liabilities of $54.3 billion and shareholders' equity of $25.8 billion. It held $798.0 million in cash and short-term investments against $29.1 billion of debt, net debt of $28.3 billion. Its current ratio was 1.03. In the latest quarter (ended June 30, 2026) total assets were $80.9 billion and equity $26.9 billion.
Related: FISV income statement, FISV cash flow statement, FISV key metrics. See the FISV stock overview for the latest quote and news.
FISV balance sheet FAQ
What are Fiserv's total assets?
Fiserv reported total assets of $80.1 billion at the end of fiscal 2025 (December 31, 2025), compared with $77.2 billion a year earlier.
How much debt does Fiserv have?
Fiserv had $29.1 billion of total debt at the end of fiscal 2025, including short-term borrowings and lease obligations. Its debt-to-equity ratio was 1.13.
How much cash does Fiserv have?
Fiserv held $798.0 million in cash and short-term investments at the end of fiscal 2025; with $29.1 billion of debt that is net debt of $28.3 billion.
What is Fiserv's book value?
Fiserv's shareholders' equity (book value) was $25.8 billion at the end of fiscal 2025, or $46.98 per share.
What is Fiserv's current ratio?
Fiserv had current assets of $24.7 billion and current liabilities of $23.9 billion, a current ratio of 1.03 (it can cover its short-term obligations).
How much goodwill does Fiserv have?
Fiserv carried $47.9 billion of goodwill and intangible assets, 59.7% of total assets, at the end of fiscal 2025.