ACI WORLDWIDE (ACIW) Company Report

ACI Worldwide, a $1.7 billion software and SaaS company, reported 7% overall revenue growth and 10% recurring revenue growth, with 12% year-to-date growth in its payments software business, which accounts for more than half of its revenue and three-quarters of its EBITDA. The company has 85% visibility into next year's revenue and has raised its full-year guidance, aiming for high single-digit growth.
Key growth drivers include the Connetic cloud-native payments hub, co-developed with top banking customers to expand market reach and orchestrate various payment types, and the Speedpay One platform, a new cloud-native bill pay solution designed to consolidate legacy systems and enhance customer experience.
ACI is a significant player in the fastest-growing real-time payments (RTP) market, with 75% of its payments software business outside the U.S., and is actively involved in monetizing stablecoin adoption.
From a capital allocation perspective, the company has reduced its leverage to 1.3x and has been active in returning capital to shareholders, buying back 3 million shares for approximately $150 million through the first nine months and increasing its share repurchase authorization to $500 million. ACI also acquired Payment Components to accelerate its Connetic roadmap.

Nov 20, 2025, 2:00 PM

Transcript

ACI Worldwide CFO Outlines Growth Strategy and Capital Allocation Priorities

ACIW

CFO Change

Revenue Acceleration/Inflection

Share Buyback

Bobby Leibrock, CFO of ACI Worldwide, who joined about six months ago, highlighted the company's $1.7 billion software and SaaS business with approximately $500 million in EBITDA, two-thirds of which is realized in cash. He is focused on achieving high single-digit growth and investing in innovation for 2026.
ACI Worldwide is driving innovation through its Connetic platform, a cloud-native payments hub for intelligent orchestration in banking, and Speedpay One, a cloud-native bill pay platform, both designed to address complexity and expand market reach.
The company reported strong revenue performance with 12% year-to-date growth across its segments, including 25% growth in Q1. Real-time payments are identified as the fastest-growing new payment type, contributing significantly to growth through transaction-based contracts.
ACI Worldwide maintains a flexible capital allocation strategy, having reduced its leverage to 1.3x (from a target of 2.5x) and recently upped its share repurchase authorization to $500 million. The company also acquired Payment Components to accelerate its Connetic roadmap.

Nov 20, 2025, 2:00 PM

Transcript

ACI Worldwide Discusses Growth Strategy, Innovation, and Capital Allocation

ACIW

Revenue Acceleration/Inflection

New Projects/Investments

Share Buyback

ACI Worldwide (ACIW) is a $1.7 billion software and SaaS company that generates approximately $500 million in EBITDA, with about two-thirds realized in operating cash flow. The company is reorienting towards high single-digit growth and has achieved 12% year-to-date revenue growth.
Key growth drivers include the Kinetic platform, a cloud-native payments hub co-developed with top banking customers, which is expected to be a catalyst for growth and additive to the long-term model. Real-time payments (RTP) are also a significant growth area, especially outside the U.S., where 75% of banking revenue is generated.
ACI views stablecoin adoption as a net benefit over the long term, positioning itself as a software provider for banks to transact stablecoins, particularly for cross-border payments.
The company's capital allocation priorities include reducing debt, with leverage currently at 1.3x. ACI has also been active in returning capital to shareholders, buying back 3 million shares (approximately $150 million) in the first nine months and increasing its buyback authorization to $500 million.

Nov 20, 2025, 2:00 PM

Transcript

ACI Worldwide Reports Strong Q3 2025 Results and Raises Full-Year Guidance

ACIW

Earnings

Guidance Update

Share Buyback

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.

Nov 6, 2025, 1:30 PM

Presentation

ACI Worldwide Reports Strong Q3 2025 Results and Raises Full-Year Guidance

ACIW

Earnings

Guidance Update

Share Buyback

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.

Nov 6, 2025, 1:30 PM

Transcript

ACI Worldwide Reports Strong Q3 2025 Results, Raises Full-Year Guidance, and Announces Share Repurchase

ACIW

Earnings

Guidance Update

Share Buyback

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.

Nov 6, 2025, 1:03 PM

8-K

ACI Worldwide Reports Strong Q3 2025 Results, Raises Full-Year Guidance, and Authorizes Share Repurchase

ACIW

Earnings

Guidance Update

Share Buyback

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.

Nov 6, 2025, 11:02 AM

Press Release

ACI Worldwide and Prosa Complete Major Payments Infrastructure Upgrade in Latin America

ACIW

New Projects/Investments

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.

Oct 21, 2025, 11:00 AM

Press Release

ACI Worldwide Partners with BitPay for Crypto and Stablecoin Payments

ACIW

New Projects/Investments

Product Launch

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.

Oct 16, 2025, 5:00 AM

Press Release

ACI Worldwide's ACI Connetic Selected by Solaris SE

ACIW

New Projects/Investments

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.

Sep 29, 2025, 5:00 AM

Press Release

Earnings Transcripts

Quarterly earnings call transcripts for ACI WORLDWIDE.

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