ACI Worldwide, Inc. (ACIW) SEC Filings & Earnings Calls
EquiReason read 10 ACI Worldwide, Inc. SEC filings in the last 12 months. Latest: 8-K on 2026-08-06 — ACI Worldwide filed an 8-K with earnings results for Q2 2026, including a press release and investor presentation..
Source: SEC EDGAR filings · figures as of 2026-06-30 · read by EquiReason
- Market cap
- 5.6B
- P/E TTM
- 25.6
- Dividend yield
- —
- 52-week
- —
- Next earnings
- 5 Nov, in 12 days
Every filing, read
last 12 months · SECWhat happened, the numbers inside, guidance and risks. The original is one click away.
6 Aug 202610-QACI Worldwide reported Q2 2026 revenue of $430.4M (+7.3% YoY) and net income of $31.8M (+160.6% YoY), with operating margin expansion.earningsopen
Figures in the filing · each found in the filing text
| Total revenues · Q2-2026 | $430M | +7% y/y |
| Net income · Q2-2026 | $32M | +161% y/y |
| Operating cash flow · H1-2026 | $135M | +5% y/y |
| Free cash flow · H1-2026 | $107M | |
| Payment Software revenue · Payment Software · Q2-2026 | $196M | +9% y/y |
| Biller revenue · Biller · Q2-2026 | $234M | +5% y/y |
| Segment Adjusted EBITDA - Payment Software · Payment Software · Q2-2026 | $94M | +12% y/y |
| Segment Adjusted EBITDA - Biller · Biller · Q2-2026 | $35M | -13% y/y |
| Remaining performance obligations · 2026-06-30 | $654M | |
| Diluted EPS · Q2-2026 | $0.31 | +158% y/y |
Risks flagged
Biller segment margin pressure
“Segment Adjusted EBITDA for Biller decreased to $34.7 million for the three months ended June 30, 2026, compared to $39.8 million for the same period in 2025.”
High leverage
“Total debt of $822.2 million as of June 30, 2026, with a consolidated total net leverage ratio covenant of less than or equal to 4.25 to 1.00.”
Share repurchase dilution risk
“The Company repurchased 2,497,220 shares for $107.4 million during the six months ended June 30, 2026.” · word for word
7 May 20268-K · 2.02, 7.01Revenue $426M (+8% y/y); Adjusted EBITDA $105M (+12% y/y); New ARR Bookings 39; Guidance: FY2026 revenue guidance raised to $1,890-$1,920M (midpoint $1,905M), adjusted EBITDA to $540-$555M (midpoint $547.5M)earningsopen
Figures in the filing · each found in the filing text
| Revenue · Q1-2026 | $426M | +8% y/y |
| Adjusted EBITDA · Q1-2026 | $105M | +12% y/y |
| New ARR Bookings · Q1-2026 | 39.0% | |
| Net Adjusted EBITDA Margin · Q1-2026 | 38.0% | |
| Payment Software Revenue · Payment Software · Q1-2026 | $214M | +2% y/y |
| Biller Revenue · Biller · Q1-2026 | $212M | +10% y/y |
| Real Time Payments Revenue Growth · Payment Software · Q1-2026 | 22.0% | |
| Merchant Revenue Growth · Payment Software · Q1-2026 | 21.0% | |
| Cash Flow from Operations · Q1-2026 | $64M | |
| Share Repurchases · Q1-2026 | $65M |
Guidance
FY2026 revenue guidance raised to $1,890-$1,920M (midpoint $1,905M), adjusted EBITDA to $540-$555M (midpoint $547.5M)
ACI raised full-year 2026 guidance after strong Q1 beat, with revenue growth accelerating, margin expansion, and robust demand across segments.
Risks flagged
Timing of contract signings impacted cash flow; Q1 operating cash flow $64M vs $78M prior year.
“Cash flow impacted by the timing of contract signings within the quarter” · word for word
7 May 202610-QRevenue $426M (+8% y/y); Net income $38M (-35% y/y); Operating income $57M (-2% y/y)open
Figures in the filing · each found in the filing text
| Revenue · Q1-2026 | $426M | +8% y/y |
| Net income · Q1-2026 | $38M | -35% y/y |
| Operating income · Q1-2026 | $57M | -2% y/y |
| Operating cash flow · Q1-2026 | $64M | -18% y/y |
| Free cash flow · Q1-2026 | $50M | -28% y/y |
| Remaining performance obligations · 2026-03-31 | $642M | |
| Payment Software revenue · Payment Software · Q1-2026 | $213M | +6% y/y |
| Biller revenue · Biller · Q1-2026 | $212M | +10% y/y |
| Segment Adjusted EBITDA · Q1-2026 | $147M | +7% y/y |
| US revenue · United States · Q1-2026 | $274M | +16% y/y |
Risks flagged
International revenue decline
“Other revenue $152,039 vs $157,811 for three months ended March 31, 2026 and 2025.”
Operating expense growth outpacing revenue growth
“Total operating expenses $368,259 vs $336,049 for three months ended March 31, 2026 and 2025.”
Net income decline
“Net income $38,306 vs $58,870 for three months ended March 31, 2026 and 2025.”
20 Apr 2026DEF 14ARevenue $1.76B (+10% y/y); Net income $227M (+12% y/y); Adjusted EBITDA $506M (+9% y/y)open
Figures in the filing · each found in the filing text
| Revenue · FY2025 | $1.76B | +10% y/y |
| Net income · FY2025 | $227M | +12% y/y |
| Adjusted EBITDA · FY2025 | $506M | +9% y/y |
| Revenue Net of Interchange · FY2025 | $1.21B | +7% y/y |
| Gross Revenue · FY2025 | $1.76B | +10% y/y |
| Net Adjusted EBITDA Margin · FY2025 | 42.0% | |
| Total Shareholder Return (TSR) · FY2025 | $124.00 | -8% y/y |
| Peer Group TSR (S&P 600) · FY2025 | $142.00 | +6% y/y |
| CEO STIP payout · FY2025 | $1M | -12% y/y |
| CEO base salary · FY2025 | $750000.00 | 0% y/y |
Risks flagged
Key executive departures
“CFO retired, CRO role eliminated, CTO departed during 2025.”
Stock-based compensation expense increase
“Non-cash stock-based compensation expense $70.6M in 2025 vs $41.3M in 2024.”
26 Feb 202610-KTotal Revenue $1.76B (+10% y/y); SaaS and PaaS Revenue $1.01B (+12% y/y); License Revenue $462M (+12% y/y)open
Figures in the filing · each found in the filing text
| Total Revenue · FY2025 | $1.76B | +10% y/y |
| SaaS and PaaS Revenue · FY2025 | $1.01B | +12% y/y |
| License Revenue · FY2025 | $462M | +12% y/y |
| Maintenance Revenue · FY2025 | $201M | +6% y/y |
| Services Revenue · FY2025 | $89M | -5% y/y |
| Operating Income · FY2025 | $330M | +7% y/y |
| Net Income · FY2025 | $227M | +12% y/y |
| 60-Month Backlog · FY2025 | $7.26B | +8% y/y |
| Payment Software Backlog · Payment Software · FY2025 | $3.37B | +9% y/y |
| Biller Backlog · Biller · FY2025 | $3.89B | +8% y/y |
Risks flagged
Customer Concentration Risk
“Our business is concentrated in the financial services industry, making us susceptible to consolidation in, or contraction of, the number of participating institutions within that industry.” · word for word
Revenue Cyclicality
“Our revenue and earnings are highly cyclical causing significant quarterly fluctuations in our financial results.” · word for word
Backlog Estimation Risk
“Estimates of future financial results are inherently unreliable. Our backlog estimates require substantial judgment and are based on a number of assumptions...” · word for word
Regulatory Compliance Cost
“Compliance with these and new laws could involve substantial expenses and divert resources from other initiatives and projects.” · word for word
Debt Covenant Risk
“Our credit facility contains customary affirmative and negative covenants for debt of these types that limit our ability to engage in specified types of transactions.” · word for word
26 Feb 20268-K · 2.02, 5.02, 7.01Total revenue $1.76B (+10% y/y); Recurring revenue $1.21B (+11% y/y); Cash flow from operating activities $323M; Guidance: Expect revenue growth of 7% to 9% in 2026.earningsopen
Figures in the filing · each found in the filing text
| Total revenue · FY2025 | $1.76B | +10% y/y |
| Recurring revenue · FY2025 | $1.21B | +11% y/y |
| Cash flow from operating activities · FY2025 | $323M |
Guidance
Expect revenue growth of 7% to 9% in 2026.
2026 guidance reflects continued momentum; revenue growth 7-9%.
Risks flagged
Board resignations could indicate governance instability, though no disagreement cited.
“Charles Peters and Janet Estep resigned from the Board; not due to any disagreement.” · word for word
6 Nov 20258-K · 2.02, 7.01Revenue $1.28B (+12% y/y); Adjusted EBITDA $346M (+12% y/y); Cash balance $199M; Guidance: Revenue guidance raised by $20M at midpoint; adjusted EBITDA raised by $5M at midpointearningsopen
Figures in the filing · each found in the filing text
| Revenue · consolidated · 9M-2025 | $1.28B | +12% y/y |
| Adjusted EBITDA · consolidated · 9M-2025 | $346M | +12% y/y |
| Cash balance · Q3-2025 | $199M | |
| Net debt leverage ratio · Q3-2025 | $1.30 | |
| Shares repurchased YTD · 9M-2025 | 3,100,000 | |
| Share repurchase authorization · Q4-2025 | $500M | |
| Revenue guidance (low) · consolidated · FY2025 | $1.73B | |
| Revenue guidance (high) · consolidated · FY2025 | $1.75B | |
| Adjusted EBITDA guidance (low) · consolidated · FY2025 | $495M | |
| Adjusted EBITDA guidance (high) · consolidated · FY2025 | $510M |
Guidance
Revenue guidance raised by $20M at midpoint; adjusted EBITDA raised by $5M at midpoint
Raised FY2025 guidance for both revenue and adjusted EBITDA, reflecting strong YTD performance and confidence in continued growth
Risks flagged
Execution risk on ACI Connetic adoption and pipeline conversion
“signed our first ACI Connetic customer and are encouraged by the early interest and demand” · word for word
6 Nov 202510-QTotal revenue $482M (+7% y/y); SaaS and PaaS revenue $247M (+10% y/y); License revenue $162M (+3% y/y)open
Figures in the filing · each found in the filing text
| Total revenue · Q3-2025 | $482M | +7% y/y |
| SaaS and PaaS revenue · Q3-2025 | $247M | +11% y/y |
| License revenue · Q3-2025 | $162M | +3% y/y |
| Operating income · Q3-2025 | $128M | +4% y/y |
| Net income · Q3-2025 | $91M | +12% y/y |
| Adjusted EBITDA · Q3-2025 | $214M | +1% y/y |
| Remaining performance obligations · Q3-2025 | $754M | |
| Operating cash flow · 9M-2025 | $201M | -13% y/y |
Risks flagged
Debt refinancing risk
“The Company redeemed $400M 2026 Notes and increased term loans, resulting in higher debt levels and interest expense risk.”
Stock repurchase dilution risk
“Aggressive share repurchase program may reduce liquidity for other investments.”
ACI Worldwide, Inc. — questions
- What did ACI Worldwide, Inc. file recently?
- 10 SEC filings in the last 12 months. Latest: 8-K on 2026-08-06 — ACI Worldwide filed an 8-K with earnings results for Q2 2026, including a press release and investor presentation.
Every figure on this page comes from ACI Worldwide, Inc.'s own SEC filings — see them on SEC EDGAR. Price data is licensed and shown only inside the product.
How these figures are read: methodology · EquiReason.