Fidelity National Information Services, Inc. (FIS) Risk Factors
FinancialsLatest 10-K filed Feb 24, 2026Source: SEC EDGAR
WealthWire extracted and classified 34 risk factors from Fidelity National Information Services, Inc.’s latest SEC filing, mapping each to a standardized risk taxonomy so they can be compared across every company and sector. The breakdown below shows how those disclosures distribute across risk categories.
Financial
9 factorsLegal & regulatory
7 factorsMarket & business
7 factorsTechnology
6 factorsOperations & people
3 factorsESG & reputation
2 factorsRecent key developments
Concrete developments — dated events, named agreements and instruments, legal proceedings — that Fidelity National Information Services, Inc. surfaced in its latest filing.
- Acquisition of Issuer Solutions, financed in part by $7.7 billion of debt incurred on January 9, 2026January 9, 2026
- 2026 Worldpay Minority Sale2026
- As of December 31, 2025, goodwill of $17.8 billion (53% of total assets) and intangible assets of $1.0 billion (3% of total assets)December 31, 2025
- As of December 31, 2025, total debt of approximately $13.1 billionDecember 31, 2025
- As of December 31, 2025, outstanding €3.4 billion aggregate principal amount of Euro-denominated senior notesDecember 31, 2025
- As of December 31, 2025, outstanding €0.1 billion aggregate principal amount of Euro-denominated commercial paperDecember 31, 2025
- FIS credit ratings: S&P senior unsecured debt BBB, Moody's senior unsecured debt Baa2, Fitch senior unsecured debt BBB; S&P commercial paper A-2, Moody's commercial paper P-2, Fitch commercial paper F2
- European operations in scope for DORA, with FIS designated as a Critical Third-Party Provider
- E.U. AI Act with phased effective dates in August 2025, August 2026, and August 2027August 2025
- E.U. Pillar Two Directive adopted December 15, 2022, imposing a minimum effective tax rate of 15%December 15, 2022
- Wealth and retirement business holds a charter in Georgia and is subject to the Georgia Department of Banking and Finance, including state-defined regulatory capital requirements
- Platform Securities and broker-dealer businesses in the U.K. regulated by the FCA and subject to further regulatory capital requirements
- One subsidiary is an SEC-registered broker-dealer in the U.S. subject to FINRA rules
- Other subsidiaries are authorized by the FCA to conduct regulated business in the U.K.
- Transfer agent business is regulated by the SEC and other regulators globally
- International operations represented approximately 23% of total 2025 revenue2025
- Operations conducted in British Pound Sterling, Euro, Swedish Krona, Australian Dollar, Brazilian Real, Swiss Franc, Canadian Dollar, and Indian Rupee
- CFPB oversees ChexSystems as a consumer reporting agency
Go deeper on FIS
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