ACIW earnings analysis
What we found in ACIW's 10-Q: the parts that mattered, the offsets in the same document, and what the company said about what comes next.
Our reading of the filing · Free to read, no account needed
ACI Worldwide reported Q1 2026 total revenue of $426 million, which exceeded analyst estimates of $410 million, despite a diluted EPS of $0.37 falling short of the expected $0.46. The company also announced an increase in its full-year revenue guidance to between $1.89 billion and $1.92 billion, up from a previous range of $1.88 billion to $1.91 billion, and showed a strong adjusted EBITDA growth of 12%.
The parts that mattered.
Pulled out of the filing itself, with the figures the company reported.
- Revenue Beat Analyst Expectations
- Total revenue for Q1 2026 was $426 million, exceeding the estimate of $410 million by $16 million.
- Increased Full-Year Revenue Guidance
- The company raised its full-year revenue guidance to $1.89B-$1.92B from the prior range of $1.88B-$1.91B.
- Strong Adjusted EBITDA Growth
- Total adjusted EBITDA increased by 12% to $105 million for Q1 2026.
- Segment Revenue Growth
- Payment Software revenues grew from $200.7 million in 2025 Q1 to $213.5 million in 2026 Q1, an increase of $12.7 million.
- Operating Cash Flow Resilience
- Operating cash flow was $64.2 million despite lower year-over-year contrasts.
- Decrease in Interest Expense
- Interest expense decreased by $2.5 million, or 17%, compared to the same period in 2025.
And the other side of it.
The offsets in the same document — the things a summary that only listed the good news would have left out.
- Decline in Net Income
- Net income dropped 35% from $58.9 million in Q1 2025 to $38.3 million in Q1 2026.
- Operating Cash Flow Declined
- Operating cash flow decreased by $14 million from $78.2 million in Q1 2025 to $64.2 million in Q1 2026.
- Potential Margin Compression
- Operating margin decreased slightly from 15% in Q1 2025 to 14% in Q1 2026, reflecting rising costs.
What they reported.
What the company itself reported, taken out of the document.
- Earnings per share
- $0.37
- Operating margin
- 14%
- Segment
- Payment Software
- Segment
- Biller
What they said about what is next.
Management indicated stronger revenue performance driven by a growing pipeline and international expansion.
The filing reads better than the one before it.
What came before.
- 10-K · February 26, 2026
- ACI Worldwide's 2025 results show top-line growth with revenue of $1.760B in 2025 versus $1.594B in 2024 (a ~10.4% increase) and diluted EPS of $2.17 in 2025 versus $1.92 in 2024. Gross margin declined modestly to…
- 10-Q · August 7, 2025
- ACI Worldwide reported Q2 revenue of $401,258,000, up $27.8 million or 7% year-over-year, driven by a $35.9 million (15%) increase in SaaS/PaaS to $271,258,000. However, operating income fell to $34,858,000 (8.7% of…
- 10-K · February 27, 2025
- ACI Worldwide positions itself as a global payments orchestration software provider focused on banks, merchants, and billers, with a broad product portfolio spanning issuing, acquiring, account-to-account, merchant…
- 10-Q · November 7, 2024
- ACI Worldwide reported a strong quarter: total revenue rose 24% year-over-year to $451.8M, driven by a 98% increase in license revenue to $157.4M and 6% growth in SaaS/PaaS to $223.4M. Operating income nearly doubled to…
This is our reading of a public filing, not the filing. Read the original on SEC.gov · Educational only. Nothing here is investment advice.
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