Financial Statement Schedules
Financial statement schedules have been omitted because they are not applicable or the required information is shown in the consolidated financial statements or accompanying notes.
Exhibits
The exhibits listed in the accompanying exhibit index are filed as part of this Annual Report on Form 10-K.
EXHIBIT INDEX
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| Exhibit Number | | | | | | Exhibit Description | | |
| | | 3.1 | | | Restated Articles of Incorporation (1) | | |
| | | 3.2 | | | Amended and Restated By-laws (2) | | |
| | | 4.1 | | | Description of Securities of the Registrant | | |
| | | 4.2 | | | Indenture, dated as of November 20, 2007, by and among Fiserv, Inc., the guarantors named therein and U.S. Bank National Association (5) | | |
| | | 4.3 | | | Fifteenth Supplemental Indenture, dated as of September 25, 2018, between Fiserv, Inc. and U.S. Bank National Association (6) | | |
| | | 4.4 | | | Seventeenth Supplemental Indenture, dated as of June 24, 2019, between Fiserv, Inc. and U.S. Bank National Association (7) | | |
| | | 4.5 | | | Eighteenth Supplemental Indenture, dated as of June 24, 2019, between Fiserv, Inc. and U.S. Bank National Association (7) | | |
| | | 4.6 | | | Nineteenth Supplemental Indenture, dated as of June 24, 2019, between Fiserv, Inc. and U.S. Bank National Association (7) | | |
| | | 4.7 | | | Twenty-First Supplemental Indenture, dated as of July 1, 2019, between Fiserv, Inc. and U.S. Bank National Association (8) | | |
| | | 4.8 | | | Twenty-Second Supplemental Indenture, dated as of July 1, 2019, between Fiserv, Inc. and U.S. Bank National Association (8) | | |
| | | 4.9 | | | Twenty-Fourth Supplemental Indenture, dated as of July 1, 2019, between Fiserv, Inc. and U.S. Bank National Association (8) | | |
| | | 4.10 | | | Twenty-Fifth Supplemental Indenture, dated as of May 13, 2020, between Fiserv, Inc. and U.S. Bank National Association (9) | | |
| | | 4.11 | | | Twenty-Sixth Supplemental Indenture, dated as of May 13, 2020, between Fiserv, Inc. and U.S. Bank National Association (9) | | |
| | | 4.12 | | | Twenty-Seventh Supplemental Indenture, dated as of March 2, 2023, between Fiserv, Inc. and U.S. Bank Trust Company, National Association (10) | | |
| | | 4.13 | | | Twenty-Eighth Supplemental Indenture, dated as of March 2, 2023, between Fiserv, Inc. and U.S. Bank Trust Company, National Association (10) | | |
| | | 4.14 | | | Twenty-Ninth Supplemental Indenture, dated as of May 24, 2023, between Fiserv, Inc. and U.S. Bank Trust Company, National Association (11) | | |
| | | 4.15 | | | Thirtieth Supplemental Indenture, dated as of August 21, 2023, between Fiserv, Inc. and U.S. Bank Trust Company, National Association (12) | | |
| | | 4.16 | | | Thirty-First Supplemental Indenture, dated as of August 21, 2023, between Fiserv, Inc. and U.S. Bank Trust Company, National Association (12) | | |
| | | 4.17 | | | Thirty-Second Supplemental Indenture, dated as of March 4, 2024, between Fiserv, Inc. and U.S. Bank Trust Company, National Association (13) | | |
| | | 4.18 | | | Thirty-Third Supplemental Indenture, dated as of March 4, 2024, between Fiserv, Inc. and U.S. Bank Trust Company, National Association (13) | | |
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| | | 4.19 | | | Thirty-Fourth Supplemental Indenture, dated as of March 4, 2024, between Fiserv, Inc. and U.S. Bank Trust Company, National Association (13) | | |
| | | 4.20 | | | Thirty-Fifth Supplemental Indenture, dated as of August 12, 2024, between Fiserv, Inc. and U.S. Bank Trust Company, National Association (14) | | |
| | | 4.21 | | | Thirty-Sixth Supplemental Indenture, dated as of August 12, 2024, between Fiserv, Inc. and U.S. Bank Trust Company, National Association (14) | | |
| | | 4.22 | | | Thirty-Seventh Supplemental Indenture, dated as of August 11, 2025, between Fiserv, Inc. and U.S. Bank Trust Company, National Association (15) | | |
| | | 4.23 | | | Thirty-Eighth Supplemental Indenture, dated as of August 11, 2025, between Fiserv, Inc. and U.S. Bank Trust Company, National Association (15) | | |
| | | 4.24 | | | Indenture, dated as of April 24, 2025, among Fiserv Funding Unlimited Company, Fiserv, Inc., the guarantors party thereto and U.S. Bank Trust Company, National Association (16) | | |
| | | 4.25 | | | First Supplemental Indenture, dated as of May 7, 2025, among Fiserv Funding Unlimited Company, Fiserv, Inc. and U.S. Bank Trust Company, National Association (17) | | |
| | | 4.26 | | | Second Supplemental Indenture, dated as of May 7, 2025, among Fiserv Funding Unlimited Company, Fiserv, Inc. and U.S. Bank Trust Company, National Association (17) | | |
| | | 4.27 | | | Third Supplemental Indenture, dated as of May 7, 2025, among Fiserv Funding Unlimited Company, Fiserv, Inc. and U.S. Bank Trust Company, National Association (17) | | |
| | | 4.28 | | | Agency Agreement, dated as of July 1, 2019, by and among Fiserv, Inc., Elavon Financial Services DAC, UK Branch, and U.S. Bank National Association (8) | | |
| | | 4.29 | | | Agency Agreement, dated as of May 24, 2023, by and among Fiserv, Inc., Elavon Financial Services DAC, UK Branch, and U.S. Bank Trust Company, National Association (11) | | |
| | | 4.30 | | | Agency Agreement, dated as of May 7, 2025, by and among Fiserv Funding Unlimited Company, U.S. Bank Europe DAC, and U.S. Bank Trust Company, National Association (17) | | |
| | | | | | Pursuant to Item 601(b)(4)(iii) of Regulation S-K, the Company agrees to furnish to the Securities and Exchange Commission, upon request, any instrument defining the rights of holders of long-term debt that is not filed as an exhibit to this Form 10-K. | | |
| | | 10.1 | | | Amended and Restated Fiserv, Inc. 2007 Omnibus Incentive Plan (18)* | | |
| | | | | | Amended and Restated Fiserv, Inc. 2007 Omnibus Incentive Plan Forms of Award Agreements | | |
| | | 10.2 | | | - Form of Restricted Stock Unit Agreement (Non-Employee Director)* | | |
| | | 10.3 | | | - Form of Restricted Stock Unit Agreement (Employee-SO) (for grants prior to February 18, 2026) (20)* | | |
| | | 10.4 | | | - Form of Restricted Stock Unit Agreement (Employee-SO) (for grants on or after February 18, 2026)* | | |
| | | 10.5 | | | - Form of Restricted Stock Unit Agreement (Employee-ST) (for grants prior to February 18, 2026) (20)* | | |
| | | 10.6 | | | - Form of Restricted Stock Unit Agreement (Employee-ST) (for grants on or after February 18, 2026)* | | |
| | | 10.7 | | | - Form of Restricted Stock Unit Agreement (Employee-N)* | | |
| | | 10.8 | | | - Form of Restricted Stock Unit Agreement (Employee-SO/N)* | | |
| | | 10.9 | | | - Form of Non-Qualified Stock Option Agreement (Non-Employee Director-LE) (19)* | | |
| | | 10.10 | | | - Form of First Amendment to Non-Qualified Stock Option Agreement (Non-Employee Director - LE) (22)* | | |
| | | 10.11 | | | - Form of Non-Qualified Stock Option Agreement (Non-Employee Director - EE) (22)* | | |
| | | 10.12 | | | - Form of Second Amendment to Non-Qualified Stock Option Agreement (Non-Employee Director - LE/EE) (23)* | | |
| | | 10.13 | | | - Form of Stock Option Agreement (Employee-F) (24)* | | |
| | | 10.14 | | | - Form of Stock Option Agreement (Employee-E) (24)* | | |
| | | 10.15 | | | - Form of Stock Option Agreement (Employee-SO) (21)* | | |
| | | 10.16 | | | - Form of Stock Option Agreement (Employee-ST) (21)* | | |
| | | 10.17 | | | - Form of Performance Share Unit Agreement (Employee-SO) (for grants prior to February 18, 2026) (20)* | | |
| | | 10.18 | | | - Form of Performance Share Unit Agreement (Employee-SO) (for grants on or after February 18, 2026)* | | |
| | | 10.19 | | | First Data Corporation 2015 Omnibus Incentive Plan (25)* | | |
| | | | | | First Data Corporation 2015 Omnibus Incentive Plan Forms of Award Agreements | | |
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| | | 10.20 | | | - Form of Option Agreement for Management Committee and Directors (26)* | | |
| | | 10.21 | | | Fiserv, Inc. Executive Severance and Change of Control Policy, effective August 10, 2021 (27)* | | |
| | | 10.22 | | | Fiserv, Inc. Executive Officer Cash Severance Policy (2)* | | |
| | | 10.23 | | | Employment Agreement, dated December 21, 2022, between Fiserv, Inc. and Frank J. Bisignano (28)* | | |
| | | 10.24 | | | Offer Letter, dated January 22, 2025, between Fiserv, Inc. and Michael P. Lyons (29)* | | |
| | | 10.25 | | | Offer Letter dated August 28, 2025 between Fiserv, Inc. and Dhivya Suryadevara (30)* | | |
| | | 10.26 | | | Offer Letter dated October 28, 2025 between Fiserv, Inc. and Paul M. Todd (30)* | | |
| | | 10.27 | | | Fiserv, Inc. Amended and Restated Non-Qualified Deferred Compensation Plan (4)* | | |
| | | 10.28 | | | Form of Non-Employee Director Indemnity Agreement (31) | | |
| | | 10.29 | | | Fiserv, Inc. Non-Employee Director Deferred Compensation Plan (23)* | | |
| | | 10.30 | | | Non-Employee Director Compensation Schedule* | | |
| | | 10.31 | | | Credit Agreement, dated as of August 12, 2025, among Fiserv, Inc., Fiserv Funding Unlimited Company, the other subsidiary borrowers party thereto, the financial institutions party thereto and JPMorgan Chase Bank, N.A. as administrative agent (32) | | |
| | | 19.1 | | | Fiserv, Inc. Securities Trading Policy (20) | | |
| | | 21.1 | | | Significant Subsidiaries of Fiserv, Inc. | | |
| | | 22.1 | | | Subsidiary Issuers of Guaranteed Securities (33) | | |
| | | 23.1 | | | Consent of Independent Registered Public Accounting Firm | | |
| | | 31.1 | | | Certification of the Chief Executive Officer pursuant to Section 302 of the Sarbanes-Oxley Act of 2002 | | |
| | | 31.2 | | | Certification of the Chief Financial Officer pursuant to Section 302 of the Sarbanes‑Oxley Act of 2002 | | |
| | | 32.1 | | | Certification of the Chief Executive Officer and the Chief Financial Officer pursuant to Section 906 of the Sarbanes-Oxley Act of 2002 | | |
| | | 97.1 | | | Fiserv, Inc. Compensation Recoupment Policy (3) | | |
| | | 101.INS** | | | Inline XBRL Instance Document - The XBRL Instance Document does not appear in the interactive data file because its XBRL tags are embedded within the Inline XBRL document. | | |
| | | 101.SCH** | | | Inline XBRL Taxonomy Extension Schema Document | | |
| | | 101.CAL** | | | Inline XBRL Taxonomy Extension Calculation Linkbase Document | | |
| | | 101.DEF** | | | Inline XBRL Taxonomy Extension Definition Linkbase Document | | |
| | | 101.LAB** | | | Inline XBRL Taxonomy Extension Label Linkbase Document | | |
| | | 101.PRE** | | | Inline XBRL Taxonomy Extension Presentation Linkbase Document | | |
| | | 104 | | | Cover Page Interactive Data File (formatted as Inline XBRL and contained in Exhibit 101) | | |
_____
- This exhibit is a management contract or compensatory plan or arrangement.
** Filed with this Annual Report on Form 10-K are the following documents formatted in iXBRL (Inline Extensible Business Reporting Language): (i) the Consolidated Statements of Income for the years ended December 31, 2025, 2024 and 2023, (ii) the Consolidated Statements of Comprehensive Income for the years ended December 31, 2025, 2024 and 2023, (iii) the Consolidated Balance Sheets at December 31, 2025 and 2024, (iv) the Consolidated Statements of Equity for the years ended December 31, 2025, 2024 and 2023, (v) the Consolidated Statements of Cash Flows for the years ended December 31, 2025, 2024 and 2023, (vi) Notes to Consolidated Financial Statements, and (vii) the information included in Part I, Item 1C and Part II, Item 9B(b).
(1)Previously filed as an exhibit to the Company’s Current Report on Form 8-K filed on February 27, 2018, and incorporated herein by reference.
(2)Previously filed as an exhibit to the Company’s Current Report on Form 8-K filed on November 21, 2022, and incorporated herein by reference.
(3)Previously filed as an exhibit to the Company’s Annual Report on Form 10-K filed on February 22, 2024, and incorporated herein by reference.
(4)Previously filed as an exhibit to the Company’s Annual Report on Form 10-K filed on February 27, 2020, and incorporated herein by reference.
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(5)Previously filed as an exhibit to the Company’s Registration Statement on Form S-3 filed on November 13, 2007, and incorporated herein by reference.
(6)Previously filed as an exhibit to the Company’s Current Report on Form 8-K filed on September 25, 2018, and incorporated herein by reference.
(7)Previously filed as an exhibit to the Company’s Current Report on Form 8-K filed on June 24, 2019, and incorporated herein by reference.
(8)Previously filed as an exhibit to the Company’s Current Report on Form 8-K filed on July 1, 2019, and incorporated herein by reference.
(9)Previously filed as an exhibit to the Company’s Current Report on Form 8-K filed on May 13, 2020, and incorporated herein by reference.
(10)Previously filed as an exhibit to the Company’s Current Report on Form 8-K filed on March 2, 2023, and incorporated herein by reference.
(11)Previously filed as an exhibit to the Company’s Current Report on Form 8-K filed on May 24, 2023, and incorporated herein by reference.
(12)Previously filed as an exhibit to the Company’s Current Report on Form 8-K filed on August 21, 2023, and incorporated herein by reference.
(13)Previously filed as an exhibit to the Company’s Current Report on Form 8-K filed on March 4, 2024, and incorporated herein by reference.
(14)Previously filed as an exhibit to the Company’s Current Report on Form 8-K filed on August 12, 2024, and incorporated herein by reference.
(15)Previously filed as an exhibit to the Company’s Current Report on Form 8-K filed on August 11, 2025, and incorporated herein by reference.
(16)Previously filed as an exhibit to Company’s Post-Effective Amendment No. 1 to the Form S-3 Registration Statement filed on April 24, 2025, and incorporated herein by reference.
(17)Previously filed as an exhibit to the Company’s Current Report on Form 8-K filed on May 7, 2025, and incorporated herein by reference.
(18)Previously filed as an exhibit to the Company’s Quarterly Report on Form 10-Q filed on May 2, 2018, and incorporated herein by reference.
(19)Previously filed as an exhibit to the Company’s Annual Report on Form 10-K filed on February 24, 2012, and incorporated herein by reference.
(20)Previously filed as an exhibit to the Company’s Annual Report on Form 10-K filed on February 20, 2025, and incorporated herein by reference.
(21)Previously filed as an exhibit to the Company’s Annual Report on Form 10-K filed on February 23, 2023, and incorporated herein by reference.
(22)Previously filed as an exhibit to the Company’s Quarterly Report on Form 10-Q filed on August 2, 2017, and incorporated herein by reference.
(23)Previously filed as an exhibit to the Company’s Current Report on Form 8-K filed on December 1, 2017, and incorporated herein by reference.
(24)Previously filed as an exhibit to the Company’s Annual Report on Form 10-K filed on February 23, 2017, and incorporated herein by reference.
(25)Previously filed as an exhibit to the Company’s Post-Effective Amendment No. 1 on Form S-8 to the Form S-4 Registration Statement of Fiserv, Inc. filed July 29, 2019, and incorporated herein by reference.
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(26)Previously filed as an exhibit to the Company’s Quarterly Report on Form 10-Q filed on November 7, 2019, and incorporated herein by reference.
(27)Previously filed as an exhibit to the Company’s Current Report on Form 8-K filed on August 12, 2021, and incorporated herein by reference.
(28)Previously filed as an exhibit to the Company’s Current Report on Form 8-K filed on December 22, 2022, and incorporated herein by reference.
(29)Previously filed as an exhibit to the Company’s Current Report on Form 8-K filed on January 23, 2025, and incorporated herein by reference.
(30)Previously filed as an exhibit to the Company’s Current Report on form 8-K filed on October 29, 2025, and incorporated herein by reference.
(31)Previously filed as an exhibit to the Company’s Annual Report on Form 10-K filed on February 28, 2008, and incorporated herein by reference.
(32)Previously filed as an exhibit to the Company’s Current Report on Form 8-K filed on August 12, 2025, and incorporated herein by reference.
(33)Previously filed as an exhibit to the Company’s Quarterly Report on Form 10-Q filed on July 24, 2025, and incorporated herein by reference.
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