ACI WORLDWIDE, INC.ACIWEarnings & Financial Report
ACI Worldwide is a digital payments software company headquartered in Elkhorn, Nebraska, that processes billions of transactions daily equating to trillions of U.S. dollars for customers in 94 countries. Banks, financial institutions, merchants, billers, acquirers, issuers, and other third-party payment service providers use its intelligent solutions to deploy secure payment rails across all channels.
Revenue
$451.8M
Gross Profit
$254.4M
Operating Profit
$122.6M
Net Profit
$81.4M
Gross Margin
56.3%
Operating Margin
27.1%
Net Margin
18.0%
YoY Growth
24.4%
EPS
$0.77
ACI WORLDWIDE, INC. Q3 FY2024 Financial Summary
ACI WORLDWIDE, INC. reported revenue of $451.8M (up 24.4% YoY) for Q3 FY2024, with a net profit of $81.4M (up 114.8% YoY) (18.0% margin). Cost of goods sold was $197.4M, operating expenses totaled $131.8M.
Key Financial Metrics
| Total Revenue | $451.8M |
|---|---|
| Net Profit | $81.4M |
| Gross Margin | 56.3% |
| Operating Margin | 27.1% |
| Report Period | Q3 FY2024 |
Revenue Breakdown
ACI WORLDWIDE, INC. Q3 FY2024 revenue of $451.8M breaks down across 6 segments, led by Issuing And Acquiring at $158.2M (35.0% of total).
| Segment | Revenue | % of Total |
|---|---|---|
| Issuing And Acquiring | $158.2M | 35.0% |
| License | $157.4M | 34.8% |
| Merchant Payments | $50.1M | 11.1% |
| Maintenance | $47.6M | 10.5% |
| Technology Service | $23.4M | 5.2% |
| Fraud Management | $18.5M | 4.1% |
ACI WORLDWIDE, INC. Revenue by Segment — Quarterly Trend
ACI WORLDWIDE, INC. revenue by segment across the last 4 reported quarters, showing how each business line (such as Issuing And Acquiring and License) has evolved quarter over quarter.
| Segment | Q1 FY2026 | Q4 FY2025 | Q3 FY2025 | Q2 FY2025 |
|---|---|---|---|---|
| Issuing And Acquiring | — | $183.7M | — | — |
| License | $88.0M | $158.3M | $162.0M | — |
| Merchant Payments | — | $42.4M | $51.0M | $39.7M |
| Maintenance | $50.9M | $50.8M | — | $50.4M |
| Technology Service | — | — | $22.1M | $22.9M |
ACI WORLDWIDE, INC. Annual Revenue by Year
ACI WORLDWIDE, INC. annual revenue history includes year-by-year totals (for example, 2025 revenue was $1.8B).
| Year | Annual Revenue |
|---|---|
| 2025 | $1.8B |
| 2024 | $1.6B |
| 2023 | $1.5B |
| 2022 | $1.4B |
ACI WORLDWIDE, INC. Quarterly Revenue & Net Profit History
ACI WORLDWIDE, INC. results over the last 8 reported quarters, including revenue, net profit and year-over-year growth.
| Quarter | Revenue | Revenue YoY | Net Profit | Net Margin |
|---|---|---|---|---|
| Q1 FY2026 | $425.7M | +7.9% | $38.3M | 9.0% |
| Q4 FY2025 | $481.6M | +6.3% | $64.3M | 13.4% |
| Q3 FY2025 | $482.4M | +6.8% | $91.3M | 18.9% |
| Q2 FY2025 | $401.3M | +7.4% | $12.2M | 3.0% |
| Q1 FY2025 | $394.6M | +24.9% | $58.9M | 14.9% |
| Q4 FY2024 | $453.0M | -4.9% | $98.6M | 21.8% |
| Q3 FY2024 | $451.8M | +24.4% | $81.4M | 18.0% |
| Q2 FY2024 | $373.5M | +15.5% | $30.9M | 8.3% |
Income Statement
| Q2 2024 | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | |
|---|---|---|---|---|---|---|---|---|
| Revenue | $373.5M | $451.8M | $453.0M | $394.6M | $401.3M | $482.4M | $481.6M | $425.7M |
| YoY Growth | 15.5% | 24.4% | -4.9% | 24.9% | 7.4% | 6.8% | 6.3% | 7.9% |
Balance Sheet
| Q2 2024 | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | |
|---|---|---|---|---|---|---|---|---|
| Assets | $3.36B | $3.09B | $3.03B | $3.20B | $3.14B | $3.16B | $3.10B | $3.10B |
| Liabilities | $2.13B | $1.76B | $1.60B | $1.72B | $1.74B | $1.68B | $1.59B | $1.60B |
| Equity | $1.24B | $1.33B | $1.42B | $1.48B | $1.39B | $1.48B | $1.52B | $1.50B |
Cash Flow
| Q2 2024 | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | |
|---|---|---|---|---|---|---|---|
| Operating CF | $55.0M | $54.0M | $126.5M | $78.2M | $49.8M | $73.0M | $121.8M |