Fiserv, Inc.: The Expansion of Clover, Value-Added Services 

Fiserv has successfully concluded its fourth quarter of 2024, surpassing the high expectations set at its 2023 investor conference. The company reported adjusted earnings per share of $8.80 for the full year, representing an impressive 17% increase. This growth was supported by a 7% rise in adjusted revenue and an improvement in adjusted operating margins, which expanded by 170 basis points to 39.4%. Moreover, the company achieved a 16% organic revenue growth, and generated a significant free cash flow of $5.2 billion, primarily driven by its diverse portfolio in merchant and financial solutions.