ACI Worldwide, Inc. (ACIW) is a global leader in electronic payment solutions, enabling secure and real-time digital transactions for over 6,000 organizations, including some of the largest banks, merchants, and intermediaries. The company offers a comprehensive suite of software products and services that facilitate payments and securities transactions, processing approximately $14 trillion daily. ACI Worldwide's solutions are delivered through on-premises installations, public cloud, or its private cloud, catering to a wide range of customers across various industries.
- Billers - Provides electronic bill presentment and payment services, enabling businesses to streamline billing processes and offer customers flexible payment options.
- Banks - Offers real-time payment capabilities and omni-channel payment solutions to financial institutions, supporting transactions across ATMs, POS terminals, mobile devices, and internet commerce sites.
- Merchants - Delivers payment processing solutions tailored for global merchants, ensuring secure and efficient transactions across various sales channels.
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| Name | Position | External Roles | Short Bio | |
|---|---|---|---|---|
Thomas W. Warsop III ExecutiveBoard | President, Chief Executive Officer, and Director | Director at Altus Group | Extensive leadership experience in payments and financial services industries. Former CEO of One Call Care Management and Executive Chairman of York Risk Services Group. | View Report → |
Abe Kuruvilla Executive | Chief Technology and Operations Officer | None | Joined ACIW in October 2023. Leads AI-first engineering and modernization strategies. Former CIO at CoreLogic and Dell Financial Services. | |
Alessandro Silva Executive | Chief Revenue Officer | None | Joined ACIW in 2021. Former Head of International Markets. Extensive experience in sales and general management roles across geographies. | |
Dennis P. Byrnes Executive | Executive Vice President and General Counsel | None | Currently serving as General Counsel. No additional details on start date or prior roles within ACIW are available. | |
Scott W. Behrens Executive | Executive Vice President, Chief Financial Officer, and Chief Accounting Officer | None | Joined ACIW in 2007. Promoted to CFO in 2009. Extensive experience in financial management and reporting. Previously held roles at SITEL Corporation and Deloitte & Touche. | |
Scotty Perkins Executive | Interim Chief Product Officer | None | Previously Head of Product Management Innovation and Modernization. Assumed interim CPO role after Debbie Guerra's resignation. | |
Adalio T. Sanchez Board | Chairman of the Board | President of S Group Advisory, Director at Avnet, Snap One Holdings, and ASM International, Trustee at MITRE Corporation, Director at FIU Foundation | Extensive leadership experience in technology and innovation. Former EVP at IBM. | |
Charles E. Peters Jr. Board | Director | None | Former EVP and CFO of Red Hat. Extensive financial management and executive leadership experience. | |
Janet O. Estep Board | Director | Director at Alerus Financial | Former President and CEO of Nacha. Extensive experience in payments and financial services industries. | |
Juan A. Benitez Board | Director | Board Observer at NomuPay | Former President of GoFundMe and GM/CTO of Braintree Payments. Expertise in technology and payments. | |
Katrinka B. McCallum Board | Director | Director at Rimini Street and Intrusion, Inc. | Former VP at Red Hat. Expertise in enterprise software, SaaS, and financial management. | |
Mary P. Harman Board | Director | Non-Executive Director at Capital Markets Gateway and Blue Ocean Digital Holdings | Former Managing Director at Bank of America. Expertise in payments and financial services. | |
Samir Zabaneh Board | Director | CEO and Chairman of Touch Bistro, Lead Director at Nuvei | Extensive experience in payments and technology. Former President of Moneris Solutions. |
- With your strong overperformance in 2024, particularly due to pulling forward license renewals, how do you plan to sustain revenue growth in 2025, and what gives you confidence that growth rates can continue despite tougher comparisons?
- You indicated that Payment Hub pilot implementations are expected in the second quarter of next year; can you provide more detail on when the Payment Hub will be generally available and how it's factored into your 2025 growth expectations?
- Given that the strength in the Banks segment is driven by large banks with on-premise licenses, what strategies are you employing to accelerate growth among mid-tier banks through SaaS offerings, and how significant is this opportunity in your medium-term growth plan?
- As competition in Real-Time Payments intensifies, how do you plan to maintain your competitive edge, and are you seeing any pricing pressure or changes in the competitive environment that could impact your growth in this space?
- With your significant investments in the Payments Hub and AI initiatives, how are you balancing the associated costs with the need to maintain or improve EBITDA margins, and when do you expect to see a return on these investments?
Research analysts who have asked questions during ACI WORLDWIDE earnings calls.
Trevor Williams
Jefferies LLC
4 questions for ACIW
George Sutton
Craig-Hallum
3 questions for ACIW
Jeffrey Cantwell
Seaport Research Partners
3 questions for ACIW
Peter Heckmann
D.A. Davidson
3 questions for ACIW
Alex Newman
Stephens Inc.
1 question for ACIW
Charles Nabhan
Stephens Inc.
1 question for ACIW
Jeff Cantwell
Seaport Research Partners
1 question for ACIW
Logan H.
Craig-Hallum Capital Group LLC
1 question for ACIW
Pete Heckmann
D.A. Davidson & Co.
1 question for ACIW
Recent press releases and 8-K filings for ACIW.
- ACI Worldwide reported Q3 2025 total revenue of $482 million, an increase of 7% year-over-year, with recurring revenue up 10% to $298 million.
- For the first nine months of 2025, total revenue was $1.3 billion and adjusted EBITDA was $346 million, both up 12% compared to the prior year.
- The company raised its full-year 2025 guidance, now expecting total revenue between $1.73 billion and $1.754 billion and adjusted EBITDA between $495 million and $510 million.
- ACI signed Solaris as its first ACI Kinetic customer in Q3, made a small strategic acquisition of a European fintech payment component, and increased its share repurchase authorization to $500 million.
- ACI Worldwide reported Q3 2025 revenue of $482 million, a 7% increase from Q3 2024, and year-to-date revenue of $1.28 billion, up 12% from year-to-date 2024.
- Net income for Q3 2025 was $91 million, with year-to-date net income increasing 55% to $162 million compared to the prior year.
- The company raised its full-year 2025 guidance for total revenue to a range of $1.730 billion to $1.754 billion and adjusted EBITDA to $495 million to $510 million.
- A new $500 million share repurchase authorization was announced, and ACI signed its first customer for ACI Connetic, a new cloud-native payments hub.
- ACI Worldwide reported Q3 2025 revenue of $482 million, an increase of 7% from Q3 2024, with recurring revenue up 10% to $298 million.
- For the year-to-date 2025, revenue reached $1.28 billion, up 12% from the prior year, and adjusted EBITDA increased 12% to $346 million.
- The company raised its full-year 2025 guidance for total revenue to a range of $1.730 billion to $1.754 billion and for adjusted EBITDA to $495 million to $510 million.
- ACI Worldwide announced a new $500 million share repurchase authorization.
- ACI Worldwide reported Q3 2025 total revenue of $482 million, an increase of 7% compared to Q3 2024, and adjusted EBITDA of $171 million, up 2%. Year-to-date 2025, revenue grew 12% to $1,278 million and adjusted EBITDA grew 12% to $346 million, achieving a 40% net adjusted EBITDA margin.
- The company is raising its full-year 2025 guidance, with updated revenue expectations between $1,730 million and $1,754 million, and adjusted EBITDA between $495 million and $510 million.
- ACI repurchased 3.1 million shares year-to-date 2025 for $150 million and approved a $500 million share repurchase authorization on October 31, 2025.
- The company signed its first ACI Connetic customer, indicating early interest and demand for its cloud-native payments platform.
- ACI Worldwide and Prosa have successfully completed a major infrastructure upgrade, migrating Prosa's clearing house operations to a new data center in Monterrey powered by ACI's technology.
- This new data center operates the first triple-active system in Latin America, setting a new standard for resilience, reliability, and business continuity in payment processing.
- The upgraded infrastructure supports over 5,000 transactions per second and positions Mexico as a regional leader in secure and efficient payment solutions.
- Prosa, one of Latin America's largest payment processors, handles over 12 billion transactions annually.
- ACI Worldwide (ACIW) announced a strategic partnership with BitPay, a cryptocurrency payments processor, to expand its digital assets solutions for global merchants and payment service providers (PSPs).
- The partnership integrates BitPay's platform into ACI's Payments Orchestration Platform, enabling seamless acceptance and management of digital currencies, including stablecoins, for various use cases like cross-border B2B settlements and treasury operations.
- This initiative responds to growing demand, as 55% of global retailers are evaluating cryptocurrency acceptance, and ACI anticipates merchants could see 1-3% growth in sales where implemented.
- ACI Worldwide announced that Solaris SE, Europe's leading embedded finance platform, has selected ACI Connetic to consolidate all SEPA instant payments onto its cloud-native payments platform.
- ACI Connetic is a unified solution that integrates account-to-account (A2A) payments, card processing, and AI-powered fraud prevention within a single, modular cloud-native architecture.
- This partnership aims to future-proof Solaris's payments infrastructure, accelerate service innovation, and enable rapid onboarding of new Banking-as-a-Service (BaaS) clients to unlock new revenue streams.
- Actinogen Medical (ACW) has reached a common understanding with the US FDA regarding the pathway to marketing approval for its Alzheimer's disease drug, Xanamem.
- The agreement clarifies the regulatory requirements, including the design of one additional pivotal Phase 3 clinical trial using a single 10 mg Xanamem dose versus placebo.
- This outcome is a major milestone for Actinogen, providing clarity for future New Drug Application (NDA) submissions in the US and discussions with potential development and marketing partners.
- On June 18, 2025, ACI Worldwide entered into a Lender Addition and Acknowledgment Agreement with Bank of America, N.A. as administrative agent and BofA Securities as lead arranger to supplement its Second Amended and Restated Credit Agreement, providing for an incremental term loan of $200 million.
- The proceeds, together with cash on hand and a revolving credit borrowing, were used to fully redeem the $400 million aggregate principal of 5.75% Senior Notes due 2026 on June 20, 2025, and to cover associated fees and expenses.
- The incremental term loan bears interest at Term SOFR plus a 1.5%–2.5% margin based on consolidated leverage, with quarterly principal repayments of $1.25 million beginning September 30, 2025, and matures in 2028.
- Robert Leibrock has been appointed as CFO and Chief Accounting Officer effective July 1, 2025, replacing Scott Behrens, who will remain with the company until December 31, 2025.
- Leibrock's compensation includes an annual base salary of $530,000, eligibility for a Short-Term Incentive Program (targeting 80% of base salary), and initial equity awards totaling $3.1 million along with additional equity awards of $5.5 million for forfeited incentives.