Fiserv · Earnings release · 8-K Exhibit 99

News Release

For more information contact:

Media Relations:

Stacy Davidson

Chief Communications and Marketing Officer

Fiserv, Inc.

stacy.davidson@fiserv.com

Investor Relations:

Walter Pritchard

Senior Vice President, Investor Relations

Fiserv, Inc.

walter.pritchard@fiserv.com

For Immediate Release

Fiserv Reports Second Quarter 2026 Results

T1GAAP revenue decreased 3% year to date and 4% in the quarter;

GAAP EPS decreased 33% year to date and 37% in the quarter;

Adjusted revenue decreased 3% year to date and 4% in the quarter;

T2Adjusted EPS decreased 21% year to date and 26% in the quarter;

Company updates 2026 organic revenue and adjusted EPS outlook

MILWAUKEE, August 6, 2026 – Fiserv, Inc. (NASDAQ: FISV), a leading global provider of payments and financial services technology solutions, today reported financial results for the second quarter of 2026.

Second Quarter 2026 GAAP Results

GAAP revenue for the company was $5.29 billion in the second quarter of 2026, a decrease of 4% compared to the second quarter of 2025. GAAP revenue decreased 1% in the Merchant Solutions segment and 8% in the Financial Solutions segment in the second quarter of 2026 compared to the prior year period. GAAP revenue for the company was $10.32 billion in the first six months of 2026, a decrease of 3% compared to the first six months of 2025. GAAP revenue decreased 1% in the Merchant Solutions segment and 6% in the Financial Solutions segment in the first six months of 2026 compared to the prior year period.

GAAP earnings per share was $1.17 in the second quarter and $2.24 in the first six months of 2026, a decrease of 37% and 33% compared to the prior year periods. T3The second quarter and first six months of 2026 included transformation related expenses associated with the company’s One Fiserv action plan.

GAAP operating margin was 19.2% and 18.7% in the second quarter and first six months of 2026 compared to 30.7% and 29.0% in the second quarter and first six months of 2025. GAAP operating margin in the Merchant Solutions segment was 30.0% and 28.3% in the second quarter and first six months of 2026 compared to 34.6% and 34.4% in the prior year periods. GAAP operating margin in the Financial Solutions segment was 38.7% and 38.4% in the second quarter and first six months of 2026 compared to 48.7% and 48.1% in the prior year periods. Net cash provided by operating activities was $2.08 billion in the first six months of 2026 compared to $2.31 billion in the first six months of 2025.

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“Our business continues to be supported by volume growth and strong positions in attractive markets,” said Takis Georgakopoulos, Chief Executive Officer of Fiserv. “Our recurring revenue base is durable, client demand for our strategic platforms remains strong, and we are improving execution, enhancing our technology and are committed to long-term shareholder value.”

Second Quarter 2026 Non-GAAP Results and Additional Information

•Adjusted revenue was $4.96 billion in the second quarter and $9.64 billion in the first six months of 2026, a decrease of 4% and 3% compared to the prior year periods.

•Organic revenue decreased 5% in the second quarter of 2026, with a 1% decline in the Merchant Solutions segment and an 8% decline in the Financial Solutions segment.

•Organic revenue decreased 4% in the first six months of 2026, with a 1% decline in the Merchant Solutions segment and a 7% decline in the Financial Solutions segment.

•Adjusted earnings per share was $1.84 in the second quarter and $3.63 in the first six months of 2026, a decrease of 26% and 21% compared to the prior year periods.

•Adjusted operating margin was 31.8% and 30.8% in the second quarter and first six months of 2026 compared to 39.6% and 38.7% in the second quarter and first six months of 2025.

•Adjusted operating margin was 30.0% and 34.6% in the Merchant Solutions segment and 38.7% and 48.7% in the Financial Solutions segment in the second quarter of 2026 and 2025.

•Adjusted operating margin was 28.3% and 34.4% in the Merchant Solutions segment and 38.4% and 48.1% in the Financial Solutions segment in the first six months of 2026 and 2025.

•Free cash flow was $1.36 billion in the first six months of 2026 compared to $1.54 billion in the prior year period.

•T4The company repurchased 1.7 million shares of common stock for $100 million in the second quarter and 5.0 million shares of common stock for $300 million in the first six months of 2026.

•The company completed a public offering of 1.0 billion Euros of 4-year and 8-year senior notes with a weighted average coupon rate of 4.0%.

•The company retired a portion of its outstanding senior notes due March 2027 and July 2049 through a cash tender offer and open market repurchase during June and July, with $1.41 billion aggregate principal amount accepted for purchase, for total consideration of $1.23 billion paid to holders.

•In August, the company completed the formation of its previously announced joint venture, MoneyPass Group, encompassing its MoneyPass Network, ATM Managed Services and Cash Intelligence businesses, of which it will maintain a minority ownership interest.

G1T5Fiserv now expects organic revenue outlook for 2026 of (1%) to 0% and G2adjusted earnings per share outlook of $7.20 to $7.40.

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“T6Growth in overall volumes, transactions and accounts, coupled with recurring revenue growth, highlight the underlying performance of our business in the second quarter,” said Paul Todd, Chief Financial Officer of Fiserv. “While we are adjusting our 2026 outlook, we are reiterating our expected medium-term growth rates.”

Earnings Conference Call

The company will discuss its second quarter 2026 results in a live webcast at 7 a.m. CT on Thursday, August 6, 2026. The webcast, along with supplemental financial information, can be accessed on the investor relations section of the Fiserv website at investors.fiserv.com. A replay will be available approximately one hour after the conclusion of the live webcast.

About Fiserv

Fiserv, Inc. (NASDAQ: FISV), a Fortune 500™ company, is a global leader uniting commerce and finance. At the intersection of banking and commerce, the company powers sustained growth and innovation at scale for financial institutions and businesses worldwide across payments, account processing, digital banking, merchant acquiring, network services, e-commerce, and Clover®, the all-in-one business management platform. Fiserv is a member of the S&P 500® Index and one of FORTUNE® America’s Most Innovative Companies. Visit fiserv.com and follow on social media for more information and the latest company news.

Use of Non-GAAP Financial Measures

In this news release, the company supplements its reporting of information determined in accordance with generally accepted accounting principles (“GAAP”), such as revenue, operating income, operating margin, net income attributable to Fiserv, diluted earnings per share and net cash provided by operating activities, with “adjusted revenue,” “change in adjusted revenue,” “adjusted revenue growth,” “organic revenue,” “change in organic revenue,” “organic revenue growth,” “adjusted operating income,” “adjusted operating margin,” “adjusted net income,” “adjusted earnings per share,” “change in adjusted earnings per share,” and “free cash flow.” Management believes that adjustments for certain non-cash or other items and the exclusion of certain pass-through revenue and expenses should enhance shareholders’ ability to evaluate the company’s performance, as such measures provide additional insights into the factors and trends affecting its business.

Therefore, the company excludes these items from its GAAP financial measures to calculate these unaudited non-GAAP measures. The corresponding reconciliations of these unaudited non-GAAP financial measures to the most comparable GAAP measures are included in this news release, except for forward-looking measures where a reconciliation to the corresponding GAAP measures is not available due to the variability, complexity, and limited visibility of the non-cash and other items described below that are excluded from the non-GAAP outlook measures. See page 16 for additional information regarding the company’s forward-looking non-GAAP financial measures.

Examples of non-cash or other items may include, but are not limited to, non-cash intangible asset amortization expense associated with acquisitions; non-cash impairment charges; merger and integration costs; severance costs; certain transformation related expenses associated with the

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company’s One Fiserv action plan; gains or losses from the sale of businesses, certain assets or investments; net gains associated with early debt extinguishments; and certain discrete tax items. The company excludes these items to more clearly focus on the factors management believes are pertinent to the company’s operations, and management uses this information to make operating decisions, including the allocation of resources to the company’s various businesses.

The company adjusts its non-GAAP results to exclude amortization of acquisition-related intangible assets as such amounts are inconsistent in amount and frequency and are significantly impacted by the timing and/or size of acquisitions. Management believes that the adjustment of acquisition-related intangible asset amortization supplements GAAP information with a measure that can be used to assess the comparability of operating performance. Although the company excludes amortization from acquisition-related intangible assets from its non-GAAP expenses, management believes that it is important for investors to understand that such intangible assets were recorded as part of purchase accounting and contribute to revenue generation.

Management believes organic revenue is a useful measure because it presents revenue on a more comparable basis by excluding the effects of foreign currency fluctuations, acquisitions, dispositions and the company’s postage reimbursements. Management believes free cash flow is useful to measure the funds generated in a given period that are available for debt service requirements and strategic capital decisions. Management believes this supplemental information enhances shareholders’ ability to evaluate and understand the company’s core business performance.

These unaudited non-GAAP financial measures may not be comparable to similarly titled measures reported by other companies and should be considered in addition to, and not as a substitute for, revenue, operating income, operating margin, net income attributable to Fiserv, diluted earnings per share and net cash provided by operating activities or any other amount determined in accordance with GAAP.

Forward-Looking Statements

This news release contains forward-looking statements within the meaning of the Private Securities Litigation Reform Act of 1995, including statements regarding anticipated organic revenue growth and adjusted earnings per share and other statements regarding our future financial performance. Statements can generally be identified as forward-looking because they include words such as “believes,” “anticipates,” “expects,” “could,” “should,” “confident,” “likely,” “plan,” or words of similar meaning. Statements that describe the company’s future plans, outlook, objectives or goals are also forward-looking statements.

Forward-looking statements are subject to assumptions, risks and uncertainties that may cause actual results to differ materially from those contemplated by such forward-looking statements. The factors that could cause the company’s actual results to differ materially include, among others, the following: the company’s ability to compete effectively against new and existing competitors and to continue to introduce competitive new products and services on a timely, cost-effective basis; changes in customer demand for the company’s products and services; the ability of the company’s technology to keep pace with a rapidly evolving marketplace; the company’s ability to successfully implement and achieve the expected benefits associated with its One Fiserv

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action plan; the success of the company’s merchant alliances, some of which are not controlled by the company; the impact of a security breach or operational failure on the company’s business, including disruptions caused by other participants in the global financial system; losses due to chargebacks, refunds or returns as a result of fraud or the failure of the company’s vendors and merchants to satisfy their obligations; changes in local, regional, national and international economic or political conditions, including those resulting from heightened inflation, rising interest rates, taxes, trade policies and tariffs, a recession, bank failures, or international hostilities, and the impact they may have on the company and its employees, clients, vendors, supply chain, operations and sales; the company’s ability to use artificial intelligence to improve its products and services and enhance its operations; the effect of proposed and enacted legislative and regulatory actions affecting the company or the financial services industry as a whole; the company’s ability to comply with government regulations and applicable card association and network rules; the protection and validity of intellectual property rights; the outcome of pending and future litigation and governmental proceedings; the company’s ability to successfully identify, complete and integrate acquisitions, and to realize the anticipated benefits associated with the same; the impact of the company’s growth strategies; the company’s ability to attract and retain key personnel; adverse impacts from currency exchange rates or currency controls; changes in corporate tax and interest rates; and other factors included in “Risk Factors” in the company’s Annual Report on Form 10-K for the year ended December 31, 2025, and in other documents that the company files with the Securities and Exchange Commission, which are available at http://www.sec.gov.

You should consider these factors carefully in evaluating forward-looking statements and are cautioned not to place undue reliance on such statements. The company assumes no obligation to update any forward-looking statements, which speak only as of the date of this news release.

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Fiserv, Inc.

Condensed Consolidated Statements of Income

(In millions, except per share amounts, unaudited)

Three Months Ended June 30,

Six Months Ended June 30,

Revenue

Processing and services

$

$

$

$

Product

Total revenue

Expenses

Cost of processing and services

Cost of product

Selling, general and administrative

Net (gain) loss on sale of assets

(6)

3

Total expenses

Operating income

Interest expense, net

Gain on early debt extinguishment

—

—

Other expense, net

(2)

Income before income taxes and income (loss) from investments in unconsolidated affiliates

Income tax provision

Income (loss) from investments in unconsolidated affiliates

Net income

Less: net income attributable to noncontrolling interests

3

4

5

1

Net income attributable to Fiserv

$

$

$

$

GAAP earnings per share attributable to Fiserv — diluted

$

$

$

$

Diluted shares used in computing earnings per share attributable to Fiserv

Earnings per share is calculated using actual, unrounded amounts.

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Fiserv, Inc.

Reconciliation of GAAP to

Adjusted Net Income and Adjusted Earnings Per Share

(In millions, except per share amounts, unaudited)

Three Months Ended June 30,

Six Months Ended June 30,

GAAP net income attributable to Fiserv

$

$

$

$

Adjustments:

Merger and integration costs 1

8

One Fiserv transformation program expenses 2

—

—

Severance costs

Amortization of acquisition-related intangible assets 3

Net gain on sale of assets 4

—

—

—

Non wholly-owned entity activities 5

6

9

Net gain on early debt extinguishment 6

—

—

Tax impact of adjustments 7

Incremental executive compensation 8

—

—

—

Argentine Peso devaluation 9

—

—

Adjusted net income

$

$

$

$

GAAP earnings per share attributable to Fiserv - diluted

$

$

$

$

Adjustments - net of income taxes:

Merger and integration costs 1

One Fiserv transformation program expenses 2

—

—

Severance costs

Amortization of acquisition-related intangible assets 3

Net gain on sale of assets 4

—

—

—

Non wholly-owned entity activities 5

Net gain on early debt extinguishment 6

—

—

Incremental executive compensation 8

—

—

—

Argentine Peso devaluation 9

—

—

Adjusted earnings per share

$

$

$

$

Change in GAAP earnings per share attributable to Fiserv

%

%

Change in adjusted earnings per share

%

%

See pages 3-4 for disclosures related to the use of non-GAAP financial measures.

Earnings per share is calculated using actual, unrounded amounts.

1Represents acquisition and related integration costs incurred in connection with acquisitions. Merger and integration costs include $9 million and $21 million of third-party professional service fees and $12 million and $26 million of retention awards in the second quarter and first six months of 2026. Merger and integration costs include $3 million and $5 million of third-party professional service fees in the second quarter and first six months of 2025, as well as $11 million related to a legal settlement in the first six months of 2025.

2T7Represents costs associated with a multi-year transformation initiative focused on operational excellence enabled by artificial intelligence, including process reengineering and technology infrastructure modernization. This adjustment is primarily comprised of third-party fees and also includes $48 million and $89 million of incremental compensation expense in the

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second quarter and first six months of 2026, primarily associated with retention cash awards and restricted stock units granted to certain employees.

3Represents amortization of intangible assets acquired through acquisition, including customer relationships, software/technology and trade names. This adjustment does not exclude the amortization of other intangible assets such as contract costs (sales commissions and deferred conversion costs), capitalized and purchased software, financing costs and debt discounts. See additional information on page 15 for an analysis of the company’s amortization expense.

4Represents a net gain on the sale-leaseback of certain facilities in the first six months of 2026.

5Represents the company’s share of amortization of acquisition-related intangible assets at its unconsolidated affiliates.

6Represents a gain on early debt extinguishment in connection with the company’s June 2026 cash tender offer and open market repurchase of a portion of its outstanding 5.150% senior notes due March 2027 and 4.400% senior notes due July 2049. This adjustment also includes the release of $22 million, recorded within net interest expense in the consolidated statements of income, of unamortized losses originally recorded in accumulated other comprehensive loss associated with treasury lock agreements that had been designated as a cash flow hedge of the extinguished debt.

7The tax impact of adjustments is calculated using a tax rate of 19.5% in both the first six months of 2026 and 2025, which approximates the company’s anticipated annual effective tax rates.

8Represents incremental compensation expense associated with the transition of the company’s Chief Executive Officer (“CEO”) in 2025, comprised of $40 million of former CEO non-cash share-based compensation and related employer payroll taxes, and a $12 million cash replacement award paid to the company’s successor CEO appointed in 2025.

9The Argentine government announced economic policy changes, including the removal of certain currency controls, resulting in a significant devaluation of the Argentine Peso on April 14, 2025. This adjustment represents the corresponding one-day foreign currency exchange loss from the remeasurement of the company’s Argentina subsidiary’s monetary assets and liabilities in Argentina’s highly inflationary economy.

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Fiserv, Inc.

Financial Results by Segment

(In millions, unaudited)

Three Months Ended June 30,

Six Months Ended

Total Company

Revenue

$

$

$

$

Adjustments:

Postage reimbursements

Adjusted revenue

$

$

$

$

Operating income

$

$

$

$

Adjustments:

Merger and integration costs

8

One Fiserv transformation program expenses

—

—

Severance costs

Amortization of acquisition-related intangible assets

Net gain on sale of assets

—

—

—

Incremental executive compensation

—

—

—

Adjusted operating income

$

$

$

$

Operating margin

%

%

%

%

Adjusted operating margin

%

%

%

%

Merchant Solutions (“Merchant”) 1

Revenue

$

$

$

$

Operating income

$

$

$

$

Operating margin

%

%

%

%

Financial Solutions (“Financial”) 1

Revenue

$

$

$

$

Operating income

$

$

$

$

Operating margin

%

%

%

%

9

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Fiserv, Inc.

Financial Results by Segment (cont.)

(In millions, unaudited)

Three Months Ended June 30,

Six Months Ended

Corporate and Other

Revenue

$

$

$

$

Adjustments:

Postage reimbursements

Adjusted revenue

$

—

$

—

$

—

$

—

Operating loss

$

$

$

$

Adjustments:

Merger and integration costs

8

One Fiserv transformation program expenses

—

—

Severance costs

Amortization of acquisition-related intangible assets

Net gain on sale of assets

—

—

—

Incremental executive compensation

—

—

—

Adjusted operating loss

$

$

$

$

See pages 3-4 for disclosures related to the use of non-GAAP financial measures.

Operating margin percentages are calculated using actual, unrounded amounts.

1For all periods presented in the Merchant and Financial segments, there were no adjustments to GAAP measures presented and thus the adjusted measures are equal to the reportable segment GAAP measures presented.

News Release

Fiserv, Inc.

Condensed Consolidated Statements of Cash Flows

(In millions, unaudited)

Six Months Ended

Cash flows from operating activities

Net income

$

$

Adjustments to reconcile net income to net cash provided by operating activities:

Depreciation and other amortization

Amortization of acquisition-related intangible assets

Amortization of financing costs and debt discounts

Share-based compensation

Deferred income taxes

Net gain on sale of assets

Net gain on early debt extinguishment

—

(Income) loss from investments in unconsolidated affiliates

Originations of merchant cash advances, held for sale

—

Proceeds from repayments and sales of merchant cash advances, originally classified as held for sale

—

Distributions from unconsolidated affiliates

Non-cash foreign currency exchange losses

9

Other operating activities

4

(6)

Changes in assets and liabilities, net of effects from acquisitions:

Trade accounts receivable

Prepaid expenses and other assets

Contract costs

Accounts payable and other liabilities

Contract liabilities

Net cash provided by operating activities

Cash flows from investing activities

Capital expenditures, including capitalized software and other intangibles

Proceeds from sale of assets

—

Merchant cash advances, net

Payments for acquisition of businesses, net of cash acquired

—

Distributions from unconsolidated affiliates

8

Purchases of investments

Proceeds from sale of investments

Other investing activities

3

Net cash used in investing activities

News Release

Fiserv, Inc.

Condensed Consolidated Statements of Cash Flows (cont.)

(In millions, unaudited)

Six Months Ended

Cash flows from financing activities

Debt proceeds

$

$

Debt repayments, including redemption and other costs

Net (repayments of) borrowings from commercial paper and short-term borrowings

Payments of debt financing costs

(2)

(5)

Proceeds from issuance of treasury stock

Purchases of treasury stock, including employee shares withheld for tax obligations

Settlement activity, net

Payment to acquire noncontrolling interest of consolidated subsidiary

—

Other financing activities

—

Net cash used in financing activities

Effect of exchange rate changes on cash and cash equivalents

Net change in cash and cash equivalents

Cash and cash equivalents, beginning balance

Cash and cash equivalents, ending balance

$

$

News Release

Fiserv, Inc.

Condensed Consolidated Balance Sheets

(In millions, unaudited)

Assets

Cash and cash equivalents

$

$

Trade accounts receivable – net

Prepaid expenses and other current assets

Settlement assets

Assets held for sale

—

Total current assets

Property and equipment – net

Customer relationships – net

Other intangible assets – net

Goodwill

Contract costs – net

Investments in unconsolidated affiliates

Other long-term assets

Total assets

$

$

Liabilities and Equity

Accounts payable and other current liabilities

$

$

Short-term and current maturities of long-term debt

Contract liabilities

Settlement obligations

Liabilities associated with assets held for sale

—

Total current liabilities

Long-term debt

Deferred income taxes

Long-term contract liabilities

Other long-term liabilities

Total liabilities

Fiserv shareholders’ equity

Noncontrolling interests

Total equity

Total liabilities and equity

$

$

News Release

Fiserv, Inc.

Selected Non-GAAP Financial Measures and Additional Information

(In millions, unaudited)

Organic Revenue 1

Three Months Ended June 30,

Six Months Ended June 30,

Change

Change

Total Company

Adjusted revenue

$

$

(4)%

$

$

(3)%

Currency impact 2

—

—

Acquisition adjustments

—

—

Organic revenue

$

$

(5)%

$

$

(4)%

Merchant

Adjusted revenue

$

$

$

$

Currency impact 2

—

—

Acquisition adjustments

(6)

—

—

Organic revenue

$

$

(1)%

$

$

(1)%

Financial

Adjusted revenue

$

$

$

$

Currency impact 2

—

—

(6)

—

Acquisition adjustments

—

—

Organic revenue

$

$

(8)%

$

$

(7)%

See pages 3-4 for disclosures related to the use of non-GAAP financial measures.

The change in organic revenue is calculated using actual, unrounded amounts.

1The change in organic revenue is measured as the change in adjusted revenue (see pages 9-10) for the current period excluding the impact of foreign currency fluctuations and revenue attributable to acquisitions and any dispositions, divided by adjusted revenue from the prior period excluding revenue attributable to any dispositions.

2Currency impact is measured as the increase or decrease in adjusted revenue for the current period by applying prior period foreign currency exchange rates to present a constant currency comparison to prior periods.

News Release

Fiserv, Inc.

Selected Non-GAAP Financial Measures and Additional Information (cont.)

(In millions, unaudited)

Free Cash Flow

Six Months Ended

Net cash provided by operating activities

$

$

Capital expenditures

Adjustments:

Distributions from unconsolidated affiliates included in cash flows from investing activities

8

Severance, merger and integration payments

One Fiserv transformation program payments

—

Tax payments on adjustments

Other

—

Free cash flow

$

$

Total Amortization 1

Three Months Ended

Six Months Ended

Acquisition-related intangible assets

$

$

$

$

Capitalized software and other intangibles

Purchased software

Financing costs and debt discounts

Sales commissions

Deferred conversion costs

Total amortization

$

$

$

$

See pages 3-4 for disclosures related to the use of non-GAAP financial measures.

1The company adjusts its non-GAAP results to exclude amortization of acquisition-related intangible assets as such amounts are inconsistent in amount and frequency and are significantly impacted by the timing and/or size of acquisitions. Management believes that the adjustment of acquisition-related intangible asset amortization supplements the GAAP information with a measure that can be used to assess the comparability of operating performance. Although the company excludes amortization from acquisition-related intangible assets from its non-GAAP expenses, management believes that it is important for investors to understand that such intangible assets were recorded as part of purchase accounting and contribute to revenue generation. Amortization of intangible assets that relate to past acquisitions will recur in future periods until such intangible assets have been fully amortized. Any future acquisitions may result in the amortization of additional intangible assets.

News Release

Fiserv, Inc.

Full Year Forward-Looking Non-GAAP Financial Measures

Reconciliations of unaudited non-GAAP financial measures to the most comparable GAAP measures are included in this news release, except for forward-looking measures where a reconciliation to the corresponding GAAP measures is not available due to the variability, complexity and limited visibility of these items that are excluded from the non-GAAP outlook measures. The company’s forward-looking non-GAAP financial measures for 2026, including organic revenue growth and adjusted earnings per share, are designed to enhance shareholders’ ability to evaluate the company’s performance by excluding certain items to focus on factors and trends affecting its business.

Organic Revenue Growth - The company’s organic revenue growth outlook for 2026 excludes the impact of foreign currency fluctuations, acquisitions, dispositions and the impact of the company’s postage reimbursements. The currency impact is measured as the increase or decrease in the expected adjusted revenue for the period by applying prior period foreign currency exchange rates to present a constant currency comparison to prior periods.

Growth

Postage reimbursements

0%

Currency impact

0%

Acquisition adjustments

Divestiture adjustments

1%

Adjusted Earnings Per Share - The company’s adjusted earnings per share outlook for 2026 excludes certain non-cash or other items such as non-cash intangible asset amortization expense associated with acquisitions; non-cash impairment charges; merger and integration costs; severance costs; certain transformation related expenses associated with the company’s One Fiserv action plan; gains or losses from the sale of businesses, certain assets and investments; net gains associated with early debt extinguishments; and certain discrete tax items.

The company estimates that amortization expense in 2026 with respect to acquired intangible assets will be relatively consistent with the amount incurred in 2025. Other adjustments to the company’s financial measures that were incurred for the three and six months ended June 30, 2026 and 2025 are presented in this news release; however, they are not necessarily indicative of adjustments that may be incurred throughout the remainder of 2026 or beyond. Estimates of these impacts and adjustments on a forward-looking basis are not available due to the variability, complexity and limited visibility of these items.

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