Fiserv, Inc. (FISV) Q3 2025 Earnings Call

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WEBVTT 00:00:00.031 -- 00:00:04.275 Welcome to the FISERV Third Quarter 2025 Earnings Conference Call. 00:00:04.275 -- 00:00:08.179 All participants will be in a listen-only mode until the question and answer session 00:00:08.179 -- 00:00:13.024 begins following the presentation. As a reminder, today's call is being recorded. 00:00:13.024 -- 00:00:17.109 At this time, I will turn the call over to Julie Cheriel, Senior Vice President of Investor 00:00:17.109 -- 00:00:19.171 Relations at FISERV. 00:00:19.171 -- 00:00:23.896 Thank you, and good morning. With me on the call today are Mike Lyons, our Chief Executive 00:00:23.896 -- 00:00:29.647 Officer, and Paul Todd, Senior Advisor and incoming Chief Financial Officer. 00:00:29.647 -- 00:00:33.512 Our earnings release and supplemental materials for the quarter are available on the 00:00:33.512 -- 00:00:37.417 investor relations section of Fiserv.com. 00:00:37.417 -- 00:00:42.203 Please refer to these materials for an explanation of the non-GAAP financial measures 00:00:42.203 -- 00:00:47.210 discussed on this call, along with a reconciliation of those measures to the nearest 00:00:47.210 -- 00:00:52.437 applicable GAAP measures. Unless otherwise stated, performance references are 00:00:52.437 -- 00:00:55.381 year-over-year comparisons. 00:00:55.381 -- 00:01:00.759 Our remarks today will include forward-looking statements about among other matters, 00:01:00.759 -- 00:01:05.605 expected operating and financial results and strategic initiatives. 00:01:05.605 -- 00:01:10.230 Forward-looking statements may differ materially from actual results and are subject 00:01:10.230 -- 00:01:13.434 to a number of risks and uncertainties. 00:01:13.434 -- 00:01:18.440 You should refer to our earnings release for a discussion of these risk...