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…
Earnings analysis · 10-Q
ACIW earnings analysis
Filed May 7, 2026 · Our reading of the company's report
The latest report
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…
Read full summary
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%.
Gross and operating margin
How much of each revenue dollar the business keeps.
One point per quarterly or annual filing. Both margins are shares of that report's revenue.
How we read each report
Our analysis across the last few reports.
Our model's reading of each filing, not the share price or the market's reaction. Annual and quarterly reports each occupy one position.
Reported figures
- Earnings per share
- $0.37
- Operating margin
- 14%
- Segment
- Payment Software
- Segment
- Biller
What stood out
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Revenue Beat Analyst Expectations
Total revenue for Q1 2026 was $426 million, exceeding the estimate of $410 million by $16 million.
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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.
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Strong Adjusted EBITDA Growth
Total adjusted EBITDA increased by 12% to $105 million for Q1 2026.
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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.
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Operating Cash Flow Resilience
Operating cash flow was $64.2 million despite lower year-over-year contrasts.
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Decrease in Interest Expense
Interest expense decreased by $2.5 million, or 17%, compared to the same period in 2025.
What to watch
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Decline in Net Income
Net income dropped 35% from $58.9 million in Q1 2025 to $38.3 million in Q1 2026.
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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.
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Potential Margin Compression
Operating margin decreased slightly from 15% in Q1 2025 to 14% in Q1 2026, reflecting rising costs.
Management's outlook
Management indicated stronger revenue performance driven by a growing pipeline and international expansion.
Earlier filings 4
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 itself. Analysis can contain errors; check the source document for full context.