Jun 2026 (Q2 FY26) — Aug 6, 2026
ACI Worldwide Q2 FY26 — Strong Financial Performance and Raised Full-Year Guidance
Read the full callACI Worldwide (ACIW) earnings
- Jun 2026
- Jun 2026 (Q2 FY26)
- Dec 2025
ACI Worldwide earnings: last reported Thu, 6 Aug 2026, for the quarter ended Jun 2026.
Reported
The figures, each with its period
Each figure keeps its basis and period; nothing is filled in.
| Metric | Value | Change | Basis | Period | Note |
|---|---|---|---|---|---|
| Revenue | 430 | +7.3% YoY | Quarterly, as filed | Quarter to Jun 2026 | Revenue from operations as filed. |
| Operating margin | 10.4 | +1.7 pts YoY | Operating profit / revenue | Quarter to Jun 2026 | For the quarter; a change is in percentage points. |
| Net profit | 31.8 | +160.6% YoY | Quarterly, as filed | Quarter to Jun 2026 | Profit after tax as filed. |
Guidance
What management said, and what became of it
14 of 16 judged targets kept · 21 open · verdicts reflect calls analysed to Jun 2026.
| Target | Original wording | Said | Latest call | Verdict |
|---|---|---|---|---|
| Adjusted EBITDA | $530 million to $550 million | Dec 2025 | We expect adjusted EBITDA in the range of $545 million to $560 million, up from $540 million to $555 million. | Revised Up |
| Adjusted EBITDA | $90 million to $95 million | Jun 2026 | This implies third quarter revenue of $417 million to $427 million and adjusted EBITDA in Q3 '26 is expected to be $90 million to $95 million. | New |
2 of ACI WORLDWIDE, INC.'s 37 targets were missed. See which ones, and which are quietly gone. The 2 above are the free sample; 35 more targets are in the full ledger.
Claimed
- Revenue grew 7% on a reported basis and 6% in constant currency to $430 million.
- Adjusted EBITDA increased 12% on a reported basis and 9% in constant currency to $91 million.
- Adjusted diluted EPS grew 54% to $0.54.
- Net adjusted EBITDA margin expanded to 34% from 32% in the prior year.
- Signed the first U.S.-based Connetic customer in Q2, with another signed shortly after quarter-end.
Qualified
- Biller segment adjusted EBITDA declined year-over-year due to challenging prior year comparisons and a one-time charge related to a terminated partnership.
- Real-time payments revenue declined versus the prior year period.
- Net new ARR bookings of $18 million were compared against a particularly strong prior year period.
Price
$52.22 −1.10% · −$0.58
Performance +7.1% 1Y
1Y: $48.75 on 17 Oct 2025 → $52.22. High $60.18 (29 Jul 2026), low $38.47 (23 Feb 2026).
- Previous close
- $52.8
- 52-week range
- $38.47 – $60.18
- One year
- +6.55%
Overview
- Symbol
- ACIW
- Sector
- Information Technology
- Exchange
- US
- Currency
- USD
Guidance
What management said, and what became of it
14 of 16 judged targets kept · 21 open · verdicts reflect calls analysed to Jun 2026.
| Target | Original wording | Said | Latest call | Verdict |
|---|---|---|---|---|
| Adjusted EBITDA | $530 million to $550 million | Dec 2025 | We expect adjusted EBITDA in the range of $545 million to $560 million, up from $540 million to $555 million. | Revised Up |
| Adjusted EBITDA | $90 million to $95 million | Jun 2026 | This implies third quarter revenue of $417 million to $427 million and adjusted EBITDA in Q3 '26 is expected to be $90 million to $95 million. | New |
Claimed
- Revenue grew 7% on a reported basis and 6% in constant currency to $430 million.
- Adjusted EBITDA increased 12% on a reported basis and 9% in constant currency to $91 million.
- Adjusted diluted EPS grew 54% to $0.54.
- Net adjusted EBITDA margin expanded to 34% from 32% in the prior year.
- Signed the first U.S.-based Connetic customer in Q2, with another signed shortly after quarter-end.
Qualified
- Biller segment adjusted EBITDA declined year-over-year due to challenging prior year comparisons and a one-time charge related to a terminated partnership.
- Real-time payments revenue declined versus the prior year period.
- Net new ARR bookings of $18 million were compared against a particularly strong prior year period.
The full ledger
Open ACI WORLDWIDE, INC.’s full ledger
A free account opens 5 company ledgers a month. All 37 tracked commitments, with each call’s wording and source.
Call summaries
Dec 2025 (Q4 FY25) — Feb 26, 2026
ACI Worldwide Q4 FY25 — Double-Digit Revenue Growth and Strong Capital Returns
Read the full callEvery analysed call
ACI Worldwide earnings calls (ACIW)
Financials
What the filings say
Net profit, year on year: +161% (quarter to jun 2026 against jun 2025).
| Line item | Sep 2024 | Dec 2024 | Mar 2025 | Jun 2025 | Sep 2025 | Dec 2025 | Mar 2026 | Jun 2026 |
|---|---|---|---|---|---|---|---|---|
| Sales | 452 | 453 | 395 | 401 | 482 | 482 | 426 | 430 |
| Expenses | 329 | 331 | 336 | 366 | 355 | 373 | 368 | 386 |
| Operating profit | 123 | 122 | 59 | 35 | 128 | 109 | 57 | 45 |
| Operating margin | 27.1% | 27.0% | 14.8% | 8.7% | 26.5% | 22.6% | 13.5% | 10.4% |
| Other income | -15 | -12 | 13 | -17 | -10 | -10 | -7 | -6 |
| Interest | 18 | 17 | 15 | 15 | 15 | 14 | 12 | 12 |
| Profit before tax | 107 | 110 | 72 | 18 | 118 | 99 | 50 | 39 |
| Tax rate | 24.1% | 10.6% | 17.8% | 31.7% | 22.8% | 35.0% | 24.0% | 18.3% |
| Net profit | 81 | 99 | 59 | 12 | 91 | 64 | 38 | 32 |
| EPS ($ per share) | 0.78 | — | 0.56 | 0.12 | 0.88 | — | 0.38 | 0.31 |
| Line item | Dec 2018 | Dec 2019 | Dec 2020 | Dec 2021 | Dec 2022 | Dec 2023 | Dec 2024 | Dec 2025 |
|---|---|---|---|---|---|---|---|---|
| Equity capital | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 |
| Reserves | 864 | 931 | 1,003 | 1,131 | 1,273 | 1,395 | 1,598 | 1,825 |
| Total liabilities | 1,074 | 2,128 | 2,180 | 1,914 | 2,017 | 2,120 | 1,601 | 1,586 |
| Fixed assets | 73 | 70 | 65 | 63 | 52 | 38 | 35 | 37 |
| Total assets | 2,122 | 3,258 | 3,387 | 3,159 | 3,210 | 3,445 | 3,025 | 3,105 |
| Line item | Dec 2018 | Dec 2019 | Dec 2020 | Dec 2021 | Dec 2022 | Dec 2023 | Dec 2024 | Dec 2025 |
|---|---|---|---|---|---|---|---|---|
| Cash from operations | 184 | 133 | 315 | 220 | 143 | 169 | 359 | 323 |
| Cash from investing | -45 | -830 | -31 | -45 | 60 | -38 | -45 | 7 |
| Cash from financing | -58 | 668 | -160 | -257 | -171 | -112 | -288 | -337 |
| Net cash flow | 79 | -31 | 124 | -81 | 31 | 24 | 26 | -6 |
| Capital expenditure | -18 | -23 | -18 | -21 | -13 | -9 | -15 | -13 |
| Free cash flow | 166 | 110 | 297 | 200 | 130 | 160 | 343 | 310 |
ACIW revenue by segment
Billers grew from 40% to 54% of revenue over the last two years.
| Segment | Q3 FY2024 | Q4 FY2024 | Q1 FY2025 | Q2 FY2025 | Q3 FY2025 | Q4 FY2025 | Q1 FY2026 | Q2 FY2026 | YoY growth latest quarter |
|---|---|---|---|---|---|---|---|---|---|
| Billers | 40% | 40% | 49% | 55% | 41% | 42% | 50% | 54% | +5.5% |
| Payment Software | — | — | 51% | 45% | 59% | 58% | 50% | 46% | +9.5% |
Share of consolidated revenue by quarter. Q4 is the fiscal year less its first three quarters.
See how segments are shifting across companies → Segment Shift
Revenue by region
Q2 FY2026 · share of revenue
- US 64% ↑ 11 pt
- Non Us 36% ↓ 11 pt
As ACIW cuts its regions in its filings; they can nest, so they need not add to 100%.
Insider filings
58 filings between Nov 10, 2025 and Sep 24, 2026.
Open market
decisions to buy or sellPurchases
$223.5K
2 purchases by 2 insiders
Sales
$200.8K
1 sale by 1 insider
Compensation
not trading decisions- 15
- Award — granted as compensation
Also filed: 40 dispositions to the issuer.
Who traded
open market only| Insider | Bought | Sold | Last filing |
|---|---|---|---|
| Kuruvilla Abraham | — | $200.8K | Nov 10, 2025 |
| SANCHEZ ADALIO T | $122.9K | — | Mar 2, 2026 |
| Benitez Juan II | $100.6K | — | Mar 3, 2026 |
Latest filings (50)
| Date | Insider | What | Shares | Value |
|---|---|---|---|---|
| Sep 24, 2026 | Leibrock Robert William Chief Financial Officer | Disposition to issuer | 3,176 | $157.6K |
| Sep 6, 2026 | Shultz Ronald Craig GM, ACI Speedpay | Disposition to issuer | 724 | $38.3K |
| Sep 6, 2026 | Litch Erich J GM, Payment Software | Disposition to issuer | 963 | $51.0K |
| Sep 6, 2026 | Leibrock Robert William Chief Financial Officer | Disposition to issuer | 1,905 | $100.9K |
| Sep 4, 2026 | Shultz Ronald Craig GM, ACI Speedpay | Disposition to issuer | 765 | $40.5K |
| Sep 4, 2026 | Litch Erich J GM, Payment Software | Disposition to issuer | 667 | $35.3K |
| Sep 4, 2026 | Shultz Ronald Craig GM, ACI Speedpay | Disposition to issuer | 385 | $20.4K |
| Sep 4, 2026 | Litch Erich J GM, Payment Software | Disposition to issuer | 136 | $7.2K |
| Jun 24, 2026 | Leibrock Robert William Chief Financial Officer | Disposition to issuer | 2,454 | $113.8K |
| Jun 6, 2026 | Shultz Ronald Craig GM, ACI Speedpay | Disposition to issuer | 739 | $31.6K |
| Jun 6, 2026 | Litch Erich J GM, Payment Software | Disposition to issuer | 1,003 | $42.9K |
| Jun 6, 2026 | Leibrock Robert William Chief Financial Officer | Disposition to issuer | 1,289 | $55.2K |
| Jun 4, 2026 | Litch Erich J GM, Payment Software | Disposition to issuer | 133 | $5.6K |
| Jun 4, 2026 | Litch Erich J GM, Payment Software | Disposition to issuer | 654 | $27.7K |
| Jun 4, 2026 | Shultz Ronald Craig GM, ACI Speedpay | Disposition to issuer | 760 | $32.2K |
| Jun 4, 2026 | Shultz Ronald Craig GM, ACI Speedpay | Disposition to issuer | 383 | $16.2K |
| Jun 2, 2026 | Benitez Juan II Director | Award | 5,720 | $0 |
| Jun 2, 2026 | Harman Mary P Director | Award | 5,720 | $0 |
| Jun 2, 2026 | Lamouche Didier R Director | Award | 5,720 | $0 |
| Jun 2, 2026 | SANCHEZ ADALIO T Director | Award | 5,720 | $0 |
| Jun 2, 2026 | Zabaneh Samir Michael Director | Award | 5,720 | $0 |
| Jun 2, 2026 | Ford Todd R Director | Award | 5,720 | $0 |
| Jun 2, 2026 | MCCALLUM KATRINKA Director | Award | 5,720 | $0 |
| Jun 2, 2026 | deBeers Kimberly A. Director | Award | 5,720 | $0 |
| Jun 1, 2026 | Warsop Thomas W III President and CEO | Disposition to issuer | 8,075 | $363.6K |
| May 11, 2026 | Shultz Ronald Craig GM, ACI Speedpay | Disposition to issuer | 366 | $15.5K |
| May 11, 2026 | Shultz Ronald Craig GM, ACI Speedpay | Disposition to issuer | 732 | $31.0K |
| Apr 13, 2026 | Warsop Thomas W III President and CEO | Award | 176,755 | $0 |
| Apr 13, 2026 | Shultz Ronald Craig GM, ACI Speedpay | Disposition to issuer | 6,837 | $282.0K |
| Apr 13, 2026 | Shultz Ronald Craig GM, ACI Speedpay | Award | 13,894 | $0 |
| Apr 13, 2026 | Warsop Thomas W III President and CEO | Disposition to issuer | 69,552 | $2.87M |
| Mar 24, 2026 | Leibrock Robert William Chief Financial Officer | Disposition to issuer | 2,148 | $85.6K |
| Mar 19, 2026 | deBeers Kimberly A. Director | Award | 1,575 | $0 |
| Mar 6, 2026 | Shultz Ronald Craig GM, ACI Speedpay | Award | 17,626 | $0 |
| Mar 6, 2026 | Warsop Thomas W III Director, President and CEO | Award | 85,546 | $0 |
| Mar 6, 2026 | Leibrock Robert William Chief Financial Officer | Award | 49,354 | $0 |
| Mar 6, 2026 | Litch Erich J GM, Payment Software | Award | 23,502 | $0 |
| Mar 4, 2026 | Litch Erich J GM, Payment Software | Disposition to issuer | 724 | $30.7K |
| Mar 4, 2026 | Warsop Thomas W III Director, President and CEO | Disposition to issuer | 8,762 | $371.9K |
| Mar 4, 2026 | Warsop Thomas W III Director, President and CEO | Disposition to issuer | 12,268 | $520.7K |
| Mar 4, 2026 | Litch Erich J GM, Payment Software | Disposition to issuer | 147 | $6.2K |
| Mar 4, 2026 | Shultz Ronald Craig GM, ACI Speedpay | Disposition to issuer | 690 | $29.3K |
| Mar 4, 2026 | Shultz Ronald Craig GM, ACI Speedpay | Disposition to issuer | 370 | $15.7K |
| Mar 3, 2026 | Benitez Juan II Director | Purchase | 2,400 | $100.6K |
| Mar 2, 2026 | SANCHEZ ADALIO T Director | Purchase | 3,000 | $122.9K |
| Feb 11, 2026 | Shultz Ronald Craig GM, ACI Speedpay | Disposition to issuer | 743 | $30.0K |
| Feb 11, 2026 | Shultz Ronald Craig GM, ACI Speedpay | Disposition to issuer | 371 | $15.0K |
| Dec 24, 2025 | Leibrock Robert William Chief Financial Officer | Disposition to issuer | 2,155 | $105.3K |
| Dec 4, 2025 | Litch Erich J GM, Payment Software | Disposition to issuer | 89 | $4.1K |
| Dec 4, 2025 | Shultz Ronald Craig GM, ACI Speedpay | Disposition to issuer | 793 | $36.8K |
Source: SEC Form 4 filings. Form 4 reports transactions, not the cap table — absence of filings says nothing about how much an insider owns, and a quiet window is not a signal.
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