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Fidelity National Information Services (FIS) investor relations material
Fidelity National Information Services UBS’s 2025 Global Technology and AI Conference summary
Complete event summary combining all related documents: earnings call transcript, report, and slide presentation.Segment performance and growth outlook
Banking segment revenue is outperforming expectations, driven by focus on commercial excellence, digital, payments, and lending, with recurring revenue growth expected to strengthen through 2025 and 2026.
Capital markets segment faced a temporary setback in loan syndication due to tariffs in Q2, but volumes recovered in Q3 and Q4, with no further impact expected.
Core banking business benefits from serving larger banks, with growth driven more by cross-selling ancillary products than by new client wins.
Three strategic core platforms—Horizon, IBS, and MVP—are tailored to different bank sizes and needs, with no migrations required as modernization occurs in place.
Payments growth is a key focus, with strong sales in debit and money movement; TSYS acquisition will add credit card processing for large institutions, filling a significant product gap.
Strategic initiatives and partnerships
Partnership with Affirm aims to bring BNPL capabilities to smaller financial institutions, with joint development ongoing and launch targeted for mid to late 2026.
Loyalty and prepaid offerings, such as Smart Basket, are being integrated with credit and debit products to expand the product suite.
Financial guidance and margin expansion
Confident in exceeding 60 basis points margin expansion in 2025, driven by improved revenue mix and cost programs, with recurring revenue contracts already sold providing visibility.
Margin headwinds from M&A in 2024 will not recur in 2025, and both banking and capital markets segments are expected to grow margins.
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Raising capital for global EV and AI expansion, with regulatory and dilution risks highlighted.
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