Key Highlights

  • Block (NYSE:XYZ) guided USD 1.02 of adjusted EPS for the September quarter against a screener consensus of USD 1.03, so expectations sit almost exactly on guidance, with results due after the close on November 3, 2026.
  • Fiserv (NASDAQ:FISV) faces a USD 1.71 EPS estimate before the open after second quarter adjusted EPS fell 26 percent to USD 1.84 and the adjusted Operating Margin dropped to 31.8 percent from 39.6 percent.
  • Broadridge Financial Solutions (NYSE:BR) is listed at USD 1.37 for its seasonally light first quarter, near the top of the USD 1.14 to USD 1.40 range implied by management's 11 to 13 percent comment.
  • Toast (NYSE:TOST) guided non-GAAP recurring Gross Profit to USD 615 million to USD 625 million, up 22 to 24 percent, against a USD 0.37 EPS estimate whose basis was not confirmed.

Block (NYSE:XYZ): Expectations Sit on Top of the Guide

Block (NYSE:XYZ) reports after the close on November 3, 2026, with a screener Market Value of about USD 45.45 billion. In the June quarter it guided gross profit of USD 3.04 billion and adjusted EPS of USD 0.86, then delivered USD 3.17 billion and USD 1.02, roughly 4 percent and 19 percent above guidance, simple arithmetic on published numbers. Block guides to gross profit rather than Revenue because reported revenue includes pass-through items that carry little profit. September quarter guidance is gross profit of USD 3.13 billion, 18 percent growth but below June, and adjusted Operating Income of USD 875 million. Full-year adjusted EPS guidance was raised to about USD 4.02 from USD 3.85. GAAP results look very different, with June quarter GAAP EPS of USD 0.15 against USD 1.02 adjusted. In a bull case, gross profit lands above USD 3.13 billion and the full-year guide rises again. In a bear case, Cash App growth slows from 31 percent. PayPal (NASDAQ:PYPL) reported on October 27, 2026 with adjusted EPS of USD 1.45 against USD 1.31 expected, and an early reaction of about 1.2 percent higher, though later moves were not verified.

Fiserv (NASDAQ:FISV): A Test of Stabilisation

Fiserv (NASDAQ:FISV) is listed to report before the open on November 3, 2026, with a market value of about USD 25.75 billion. The USD 1.71 consensus sits below the USD 1.84 delivered in the second quarter. Organic revenue declined 5 percent in that quarter, with Merchant Solutions down 1 percent and Financial Solutions down 8 percent. The 2026 outlook calls for organic revenue of negative 1 percent to flat and adjusted EPS of USD 7.20 to USD 7.40, after USD 3.63 in the first half. Simple arithmetic on those figures means a USD 1.71 third quarter would require USD 1.86 to USD 2.06 in the fourth. Management booked USD 187 million of transformation expense and USD 40 million of severance under its One Fiserv plan, both excluded from adjusted results. A bull case is EPS above USD 1.71 with the outlook reiterated. A bear case is another outlook cut or a margin below the second quarter. No options-implied move was available; each 5 percent move on the market value is about USD 1.3 billion, illustrative only. Block also reports the same day, which may colour payments sentiment.

Broadridge Financial Solutions (NYSE:BR): A Demanding Quarterly Bar

Broadridge Financial Solutions (NYSE:BR) is listed to report fiscal first quarter 2027 results before the open on November 3, 2026, with a market value of about USD 20.23 billion. The first quarter is seasonally the lightest because proxy and event-driven revenue arrive later in the fiscal year. The USD 1.37 estimate is about 9.3 percent below the USD 1.51 earned a year earlier, while one published preview puts revenue near USD 1.64 billion. Fiscal 2027 guidance is adjusted EPS of USD 10.37 to USD 10.75, Recurring Revenue growth of 6 to 8 percent and an operating margin near 21 percent. The full-year consensus of USD 10.47 sits in the lower half of that range, yet the quarterly estimate sits near the upper end of the implied range. Wealth revenue growth slowed to 1 percent in the fourth quarter after running at 8 to 11 percent earlier in the year. Closed sales were USD 305 million for fiscal 2026 and the Backlog was USD 470 million. The shares have gained nearly 9 percent since the last report, so optimism is already reflected in the price. Each 5 percent move is about USD 1.0 billion, illustrative only.

Toast (NYSE:TOST): Growth Guided, Cash Flow Questioned

Toast (NYSE:TOST) is listed to report after the close on November 3, 2026, with a market value of about USD 17.96 billion. Second quarter non-GAAP recurring gross profit was USD 595 million, so the third quarter guide implies sequential growth of about 3.4 to 5.0 percent, simple arithmetic. Adjusted EBITDA is guided to USD 210 million to USD 220 million, against USD 221 million in the second quarter, which included a one-time Tariff refund of about USD 10 million. The company added a record 9,500 net locations to reach about 180,000, up 22 percent, with annualized recurring revenue of USD 2.4 billion. Operating income doubled to USD 152 million, but free cash flow fell to USD 130 million from USD 208 million. The USD 0.37 estimate compares with second quarter diluted GAAP EPS of USD 0.26, and its basis was not confirmed. Buybacks of USD 486 million year to date retired 19 million shares. A bull case is recurring gross profit above USD 625 million. A bear case is slower location growth or lower free cash flow.

Where Things Stand

The thinnest margin belongs to Block (NYSE:XYZ), because a USD 1.03 screener bar sits almost on its USD 1.02 guide after it beat its June quarter guide. Fiserv (NASDAQ:FISV) has a different test: it must show that a 26 percent profit fall has levelled out. Broadridge Financial Solutions (NYSE:BR) needs a solid beat in a light quarter after a recent share gain. Toast (NYSE:TOST) is guided to steady growth, but free cash flow is the item to watch. All four are upcoming events on November 3, 2026, and board EPS figures are unverified against company filings.