How did Fiserv's revenue and expenses trend in Q4 2024?

**Fiserv's Revenue and Expenses Trend in Q4 2024**:

1. **Revenue Trend**:
- Fiserv's total revenue for Q4 2024 was $2.6 billion.
- The company's revenue was spread across various segments, with the largest segment being Banking Solutions, which generated $6.89 billion.
- Other significant segments included Capital Market Solutions ($2.98 billion), Banking Solutions ($1.72 billion), and Corporate and Other ($256 million).

|code|Ticker|Name|Date|Business Composition|Revenue By Business|market_code|
|---|---|---|---|---|---|---|
|FIS|FIS.N|Fidelity National|20240101-2024|Corporate and Other|2.56E8|169|
|FIS|FIS.N|Fidelity National|20240101-2024|Corporate and Other|1.96E8|169|
|FIS|FIS.N|Fidelity National|20240101-2024|Corporate and Other|1.35E8|169|
|FIS|FIS.N|Fidelity National|20240101-2024|Corporate and Other|7.7E7|169|
|FIS|FIS.N|Fidelity National|20240101-2024|Corporate and Other|7.7E7|169|
|FIS|FIS.N|Fidelity National|20240101-2024|Banking Solutions|1.684E9|169|
|FIS|FIS.N|Fidelity National|20240101-2024|Capital Market Solutions|7.06E8|169|

2. **Net Income**:
- Fiserv reported a net income of $282 million for Q4 2024.
- This represents a solid earnings figure, indicating the company's profitability during the quarter.

|code|Ticker|Name|Date|Net Income YoY|Net Income|market_code|
|---|---|---|---|---|---|---|
|FIS|FIS.N|Fidelity National|2024 Q1|401.41843971631204|7.07E8|169|
|FIS|FIS.N|Fidelity National|2024 Q2|103.70033363663937|2.44E8|169|
|FIS|FIS.N|Fidelity National|2024 Q3|149.01960784313727|2.25E8|169|
|FIS|FIS.N|Fidelity National|2024 Q4|12.350597609561753|2.82E8|169|

3. **Gross Loan and Allowance for Loan Losses**:
- Specific data on gross loan and allowance for loan losses for Q4 2024 is not available.
- However, the company's financial statements and reports suggest that the focus is more on information technology services and banking solutions rather than traditional banking activities.
4. **Dividend and Payout Ratio**:
- Fiserv declared a quarterly cash dividend of $0.50 per share, representing a 2.45% yield.
- The dividend payout ratio is not provided, but given the company's financial health and earnings, it can be assumed to be within a reasonable range.
5. **Overall Financial Health**:
- Fiserv's financial health is reflected in its market position, revenue growth, and profitability indicators.
- The company's market capitalization and P/E ratio suggest investor confidence in its future prospects.

In conclusion, Fiserv's Q4 2024 financial performance demonstrates strong revenue generation and profitability, with a diversified revenue base and a commitment to shareholder returns through dividends. The company's focus on information technology and banking solutions positions it well for continued growth in the financial services sector.