We like CRCL but they have gotten away but Fiserve (FI) is right in the mix:

• • Value/Attractive Entry: While the stock has popped, the long-term implications of its move into stablecoins and digital currency platforms could still be undervalued relative to its potential. It’s a large, established financial tech company entering a rapidly growing, high-interest sector.
  • Positive Momentum: “Fiserv’s stock surges as it teams with Circle to join the stablecoin party,” “Fiserv stock pops on launch of new stablecoin.” The stock rallied significantly after announcing its new stablecoin (FIUSD) and partnership with Circle.
  • New Catalyst:Stablecoin Legislation: The recent passing of the “Genius Act” (stablecoin bill) in the U.S. Senate provides a more structured regulatory environment, which is a major positive for companies entering this space. This legitimizes stablecoins and could lead to broader adoption by financial institutions.
  • New Stablecoin Launch: The launch of FIUSD and its new digital currency platform signifies a direct entry into a high-growth area with significant potential for banking and payment flows.
  • Strategic Partnerships: Collaborating with industry leaders like PayPal and Circle strengthens its position and indicates broader industry acceptance.

I asked Boaty to run us a full report on them:  

🚢 Fiserv (FI) Investor Report: Growth Trajectory and 2027 Valuation Outlook

Company Overview

Fiserv (FI) is a global fintech leader providing payment processing, core banking, and financial technology solutions to over 10,000 financial institutions and 6 million merchants worldwide. With $90.4B market capitalization (as of June 2025), it processes 90+ billion transactions annually and maintains dominant positions in:

• • • Merchant acquiring (Clover POS platform)
    • Card issuer processing
    • Digital banking infrastructure
    • Billing and payment solutions

Financial Performance Highlights

• • • Q1 2025 Results:
      • 7% organic revenue growth ($4.79B adjusted revenue)
      • 14% YoY adjusted EPS growth ($2.14)
      • 37.8% adjusted operating margin (+200 bps YoY)
    • 2025 Guidance:
      • 10-12% organic revenue growth
      • $10.10-$10.30 adjusted EPS (15-17% growth)
    • Capital Allocation:
      • $2.2B share repurchases in Q1 2025
      • Strategic acquisitions (Payfare, CCV Group, Pinch Payments)

Growth Catalysts: Stablecoin Ecosystem

Fiserv’s FIUSD stablecoin initiative (launching late 2025) represents a transformative opportunity:

1. 1. 1. Strategic Partnerships:

• • • • Circle: Leveraging infrastructure for FIUSD issuance
      • PayPal: Building interoperability between FIUSD and PYUSD
      • Paxos: Regulatory compliance framework

1. 1. 1. Market Positioning:

• • • • Immediate access to 10,000 financial institutions and 6M merchants
      • No incremental cost for clients to adopt FIUSD

1. 1. 1. Regulatory Tailwinds:

• • • • U.S.

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