Fiserv’s stock plummeted nearly 30% on Wednesday, October 29, 2025, after disappointing third-quarter earnings results and a significant leadership shake-up. Analysts were shocked by the company’s adjusted earnings per share of $2.04, which fell significantly short of expectations of $2.65. Revenue also missed forecasts at $4.92 billion compared to the expected $5.36 billion. 3Q revenue growth was a meager 1%, largely due to declines in the Merchant Solutions segment and a slowdown in overall organic revenue growth. This downturn prompted Fiserv to dramatically revise its full-year 2025 guidance, lowering EPS estimates from $10.15 to $10.30 and reducing the expected growth rate for organic revenue to 3.5% – 4%. The company attributed these underperformances to operational challenges and announced a major restructuring plan focusing on client-centricity, small business platform expansion, AI-enabled operations, and disciplined capital allocation. The shake-up included co-presidents Takis Georgakopoulos and Dhivya Suryadevara replacing Mike Lyons as CEO. Paul Todd joined as CFO, succeeding Robert Hau who will act as a senior advisor for the first quarter of 2026. This organizational shift signifies a significant need for change to address Fiserv’s recent challenges. A comprehensive restructuring was also announced including a new leadership team and board refresh. The stock’s dramatic decline triggered a 52-week low, with shares trading at $66.58 after plummeting by over 41%. Fiserv’s share price has lost nearly 64% year to date, a stark contrast to the market’s positive performance.