Fidelity National 2025 Q3 Earnings Beats Expectations with 24.4% EPS Growth

Fidelity National (FIS) reported fiscal 2025 Q3 earnings on Nov 5, 2025, surpassing Wall Street estimates for both revenue and earnings. The company raised its full-year 2025 guidance for revenue, Adjusted EBITDA, and free cash flow conversion, signaling confidence in its strategic initiatives and market position.

Revenue

Fidelity National’s total revenue rose 5.7% year-over-year to $2.72 billion, driven by strong performance across core segments. Banking Solutions revenue reached $1.89 billion, a 6.5% increase, outperforming the estimated $1.84 billion. Capital Market Solutions grew by 7.3% to $783 million, slightly exceeding the projected $775.37 million. Meanwhile, the Corporate and Other segment saw a 34.4% decline to $40 million, though recurring revenue (including Banking and Capital Market Solutions) totaled $2.19 billion, up 6% year-over-year.

Earnings/Net Income

Adjusted EPS surged 24.4% to $0.51 in Q3 2025 from $0.41 in Q3 2024, while net income expanded 17.8% to $265 million, reflecting disciplined cost management and operational efficiency. The EPS growth underscores the company’s ability to leverage market tailwinds and strategic investments.

Post-Earnings Price Action Review

FIS shares rose 1.62% in the latest trading day, climbing 5.28% over the past week but declining 3.57% month-to-date. The stock’s post-earnings performance aligns with its recent volatility, as investors balance optimism over earnings beats with broader market uncertainties. Pre-market trading saw a 0.63% increase following the Q3 results, though the stock remains below its 52-week high of $89.57.

CEO Commentary

CEO Stephanie Ferris emphasized disciplined execution, favorable market conditions, and strategic investments like the Amount acquisition. She highlighted progress in operational excellence and product innovation, expressing confidence in sustaining momentum through recurring revenue growth and cost discipline.

Guidance

FIS raised 2025 full-year revenue guidance to $10.595–$10.625 billion (5.4%–5.7% growth), with Adjusted EBITDA of $4.330–$4.345 billion and Adjusted EPS of $5.74–$5.78. The company also increased free cash flow conversion targets to >85% and outlined $1.3 billion in share repurchases for 2025.

Additional News

Fidelity National announced plans to close the Issuer Solutions acquisition in 1Q 2026, a strategic move to bolster its fintech offerings. The company also reaffirmed its commitment to capital allocation, including $1.3 billion in share repurchases and dividend growth aligned with Adjusted EPS. Management projected pro forma deleveraging to 2.8x EBITDA within 18 months post-acquisition, reinforcing long-term financial stability.

FIS’s updated guidance and strategic acquisitions reflect its focus on long-term growth and shareholder value, positioning it to capitalize on evolving market demands in financial technology and digital banking solutions.