FIS · 10-Q · 2026Q3 · Full report
Liquidity and Debt Position
Fidelity National Information Services, Inc. · 2026-11-04 · Importance 89 · Surprise 82 · Matches filing data
At September 30, 2026, total long-term debt, including its current portion, was $16.865 billion, compared with $10.353 billion at December 31, 2025. Short-term borrowings increased to $3.904 billion from $2.729 billion, including $3.791 billion of U.S. commercial paper outstanding. FIS issued $6.3 billion of senior U.S. dollar notes on March 10, 2026, and used the proceeds to repay short-term acquisition financing and commercial paper borrowings; it had drawn $7.7 billion under the Term Facility to fund the Issuer Solutions Acquisition. Revolving credit capacity was approximately $3.0 billion at September 30, 2026, net of commercial-paper backstop capacity and outstanding revolver borrowings.
Key facts
- FIS issued $6.3 billion of senior USD notes on March 10, 2026, with interest rates of 4.45%, 4.55%, and 4.80% and maturities in 2028, 2029, and 2031. source
- FIS increased commitments under its Revolving Credit Facility from $4.5 billion to $6.0 billion on November 6, 2025, and entered into an additional $1.0 billion Incremental Revolving Credit Facility maturing June 15, 2027. source
- FIS reported $86.990 billion of borrowings and $79.313 billion of repayments of borrowings and other financing arrangements for the nine months ended September 30, 2026. source
- FIS funded the cash portion of the Issuer Solutions transaction with $7.7 billion of senior unsecured term-loan borrowings, repaid the facility with senior notes issued March 10, 2026, and terminated the facility. source
- FIS's Euro and U.S. commercial paper programs have a combined maximum aggregate outstanding amount of $7.0 billion. source
- As of September 30, 2026, borrowing capacity under FIS's revolving credit facilities was approximately $3.0 billion, net of $3.9 billion of capacity backing commercial paper notes. source
- As of September 30, 2026, FIS had $3.8 billion of available liquidity, including $740 million of cash and cash equivalents and $3.0 billion of revolving-credit-facility capacity. source
- As of September 30, 2026, FIS had $20.8 billion of debt outstanding and an effective weighted average interest rate of 3.9%. source
Impact estimates
| metric | direction | stage | expected | basis |
|---|---|---|---|---|
| liability | negative | realized | -198.9% | FIS reported $86.990 billion of borrowings and $79.313 billion of repayments of borrowings and other financing arrangements for the nine… |
| cash | positive | realized | +198.9% | FIS reported $86.990 billion of borrowings and $79.313 billion of repayments of borrowings and other financing arrangements for the nine… |
| liability | positive | realized | +181.3% | FIS reported $86.990 billion of borrowings and $79.313 billion of repayments of borrowings and other financing arrangements for the nine… |
| cash | negative | realized | -181.3% | FIS reported $86.990 billion of borrowings and $79.313 billion of repayments of borrowings and other financing arrangements for the nine… |