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
$401.3M
Gross Profit
$166.5M
Operating Profit
$34.9M
Net Profit
$12.2M
Gross Margin
41.5%
Operating Margin
8.7%
Net Margin
3.0%
YoY Growth
7.4%
EPS
$0.12
ACI WORLDWIDE, INC. Q2 FY2025 Financial Summary
ACI WORLDWIDE, INC. reported revenue of $401.3M (up 7.4% YoY) for Q2 FY2025, with a net profit of $12.2M (down 60.5% YoY) (3.0% margin). Cost of goods sold was $234.8M, operating expenses totaled $131.6M.
Key Financial Metrics
| Total Revenue | $401.3M |
|---|---|
| Net Profit | $12.2M |
| Gross Margin | 41.5% |
| Operating Margin | 8.7% |
| Report Period | Q2 FY2025 |
Revenue Breakdown
ACI WORLDWIDE, INC. Q2 FY2025 revenue of $401.3M breaks down across 6 segments, led by Biller Payments at $221.9M (55.3% of total).
| Segment | Revenue | % of Total |
|---|---|---|
| Biller Payments | $221.9M | 55.3% |
| Maintenance | $50.4M | 12.6% |
| Software And Platform Service | $49.3M | 12.3% |
| Merchant Payments | $39.7M | 9.9% |
| Technology Service | $22.9M | 5.7% |
| Fraud Management | $15.2M | 3.8% |
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 Biller Payments and Maintenance) has evolved quarter over quarter.
| Segment | Q1 FY2026 | Q4 FY2025 | Q3 FY2025 | Q2 FY2025 |
|---|---|---|---|---|
| Biller Payments | — | — | $198.3M | $221.9M |
| Maintenance | $50.9M | $50.8M | — | $50.4M |
| Software And Platform Service | — | $49.6M | — | $49.3M |
| Merchant Payments | — | $42.4M | $51.0M | $39.7M |
| 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 |