ACI Worldwide supplies payment software and services to banks, merchants and billers. Payment Software earns license, maintenance, cloud and service revenue; Biller processes U.S. bill payments, with substantial interchange and processing costs included in gross revenue.
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A snapshot of what ACI WORLDWIDE, INC. owns and owes at a point in time.
Read the company’s balance sheet in the original annual reports below.
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3 reports in this collection
| Report period | Filed with SEC | Form | Source |
|---|---|---|---|
| Dec 31, 20230000935036-24-000007 | Feb 29, 2024 | 10-K | Open 10-Ksec.gov |
| Dec 31, 20240000935036-25-000006 | Feb 27, 2025 | 10-K | Open 10-Ksec.gov |
| Dec 31, 20250000935036-26-000011 | Feb 26, 2026 | 10-K | Open 10-Ksec.gov |
Dates describe the filing metadata. Figures and reporting periods should be checked against the original statement. SEC links open in a new tab.
ACI’s latest supplied results show stronger operating earnings and cash generation, but uneven growth: Biller profitability and new recurring-revenue bookings weakened, while first-half net income remained below the prior year. The raised August 2026 outlook depends on late-year license renewals. Buybacks, investment, debt and continuing regulatory obligations remain important cash demands.
Sources: 10-K · 2025-12-31 · 10-Q · 2026-06-30 · EX-99.1 · 2026-08-06 · EX-99.2 · 2026-08-06 · OFFICIAL STATE ATTORNEYS GENERAL AVC · 2023-10-17
ACI combines transaction-based processing with software licenses, cloud services and support. Licenses generally run five years, and renewals or capacity expansions can move revenue between quarters; extended-payment contracts can also produce revenue well before cash collection. Company-defined recurring revenue includes SaaS/PaaS and maintenance—not just software subscriptions. Since early 2025, the former Banks and Merchants businesses have been combined as Payment Software, with annual comparisons recast accordingly.
In August 2026, ACI reported that its Connetic platform was enabled across eight major U.S. payment networks and had signed two U.S. customers. That is commercial progress, not evidence of completed deployments or quantified revenue. Contract values, implementation costs and returns are undisclosed; migration could also replace higher-priced legacy arrangements.
Sources: 10-K · 2025-12-31 · 10-Q · 2026-06-30 · EX-99.1 · 2026-08-06 · EX-99.2 · 2026-08-06
For the six months ended June 30, 2026, reported August 6, revenue increased to USD856.172 million from USD795.823 million and GAAP operating income to USD102.139 million from USD93.374 million. Net income nevertheless declined to USD70.104 million from USD71.072 million: the prior half included a USD25.927 million pretax Mindgate disposal gain. Diluted EPS rose to USD0.69 from USD0.67 because the share denominator fell, not because total profit grew. Q2 was stronger, with net income of USD31.798 million versus USD12.202 million, supported by operating improvement, lower financing costs and favorable currency effects.
Payment Software’s first-half segment earnings increased to USD206.942 million from USD189.839 million. Biller’s fell to USD68.714 million from USD70.680 million despite higher gross revenue; its Q2 revenue net of interchange declined to approximately USD68 million. Management cited a strong prior-year comparison, discrete expenses and Speedpay ONE investment. Real-time payments revenue also fell, with management citing renewal timing. Q2 new ARR bookings declined to USD18.3 million from USD24.3 million; these measure expected annual revenue from new signed bookings, not recognized revenue.
First-half non-GAAP adjusted EBITDA increased to USD196.0 million from USD175.0 million, but excludes stock compensation, depreciation, amortization and designated expenses, including USD5.8 million of cost-reduction costs and USD3.1 million of other transaction-related costs. Segment earnings also exclude central costs: USD88.581 million of corporate and unallocated expenses sits outside first-half segment results. Neither measure is cash flow or fully burdened segment profit. Reported net adjusted EBITDA margins use revenue after interchange, not gross revenue.
Sources: 10-Q · 2026-06-30 · EX-99.1 · 2026-08-06 · EX-99.2 · 2026-08-06
First-half operating cash flow increased to USD135.036 million from USD128.018 million. Lower interest payments and favorable deferred-revenue movements helped, while receivable cash contributions weakened and cash taxes increased. Property, equipment and software purchases consumed USD28.224 million versus USD16.468 million, separately from USD91.992 million of expensed R&D. Program buybacks consumed USD106.753 million, with another USD19.070 million used for employee award-tax withholding. Unbilled receivables remained substantial at USD612.883 million on June 30, including USD357.813 million long-term, illustrating the gap between revenue recognition and collection.
Sources: 10-Q · 2026-06-30 · EX-99.1 · 2026-08-06
At June 30, 2026, corporate cash was USD167.398 million, down from USD196.462 million at year-end. Separately, ACI reported USD373.1 million of undrawn revolving capacity, subject to agreement terms. Settlement deposits and client funds are not unrestricted corporate cash; a separate USD75 million settlement overdraft is uncommitted. These June balances do not establish October liquidity.
Facility principal was USD826.250 million, or USD822.177 million after issuance costs, with USD717.5 million scheduled for 2029. On June 18, 2025, ACI fully redeemed its old USD400 million notes and added a USD200 million incremental term loan; the redeemed notes are no longer an outstanding maturity. The secured facility carries floating interest, and software financing and leases remain separate obligations. ACI reported covenant compliance, but actual covenant headroom is undisclosed. Approximately USD349 million of buyback authorization remained; authorization is neither cash nor committed spending.
Sources: 10-Q · 2026-06-30 · 10-K · 2025-12-31
The latest supplied guidance, issued August 6, 2026, forecasts full-year revenue of USD1.895–1.925 billion and non-GAAP adjusted EBITDA of USD545–560 million. Expected second-half revenue is weighted 40% to Q3 and 60% to Q4 because of high-margin license renewals. Assumptions include approximately USD45 million capex, USD80–90 million cash taxes and 101 million diluted shares excluding future buybacks. Allocating 50%–60% of operating cash flow to repurchases remains conditional on market conditions. These forecasts supersede February and May guidance; subsequent achievement is not established.
Revenue visibility is less firm than total backlog suggests: committed 60-month backlog declined to USD2.128 billion from USD2.304 billion at year-end, while assumed renewals increased. Backlog is not guaranteed sales. Renewal concentration, Connetic execution, cloud and cybersecurity dependence, settlement-funding shortfalls, tax uncertainty and goodwill recoverability remain material risks.
Sources: EX-99.1 · 2026-08-06 · EX-99.2 · 2026-08-06 · 10-Q · 2026-06-30 · 10-K · 2025-12-31
The April 23, 2021 ACH incident involved approximately USD2.389 billion of erroneous payment instructions affecting 478,568 borrowers—not that amount of established losses. Regulators identified testing, data-security and vendor-control failures. Reversals mitigated the impact but did not eliminate consumer harm. The named respondents were ACI Worldwide Corp. and ACI Payments, Inc., not the listed parent under its own name; the settlements did not constitute admissions of the alleged violations.
The CFPB order, issued June 26 and docket-filed June 27, 2023, imposed USD25 million. The separate money-transmission order, published October 16, 2023, specified USD9,509,999.84 in penalties and USD490,000.16 in costs. The Connecticut attorney-general AVC, executed October 16 and effective October 17, 2023, requires USD242,604.35 within 20 calendar days of receiving written payment instructions; that amount is included in a USD10 million aggregate across separate AG agreements. These are instrument-specific historical obligations, not current unpaid balances, and no combined net total or offset is asserted.
Continuing duties cover payment authorization, separation of testing from production, security programs, ACH reconciliation, vendor oversight and training. The AVC also requires remediation of subsequently known and verified incident harm and harm from future errors or noncompliance, without a stated dollar cap. Its testing-data and Security Event notification terms run to October 17, 2028, but other duties have no general fixed sunset. CFPB baseline termination is June 27, 2028, subject to extension or written changes, with separate retention requirements of at least six years. The banking order remains subject to its licensed-activity and written-modification conditions. ACI asserts compliance, but payment, current performance, complete redress and satisfaction of the AVC’s payment-conditioned release are unverified. Private claims and enforcement rights remain preserved.
Sources: OFFICIAL CFPB CONSENT ORDER · 2023-06-26 · OFFICIAL MULTISTATE CONSENT ORDER · 2023-10-16 · OFFICIAL STATE ATTORNEYS GENERAL AVC · 2023-10-17 · 10-K · 2025-12-31
USD 1.759782 bn
FY2025 · GAAP · consolidated · Attribution: consolidated · Reported currency
| Fiscal year | Value | YoY |
|---|---|---|
| 2025 | USD 1.759782 bn | 10.4% |
| 2024 | USD 1.594288 bn | 9.8% |
| 2023 | USD 1.452579 bn | — |
Consolidated revenue, including gross Biller service fees; not payment transaction value.
Sources: 10-K · 2025-12-31
USD 226.658 m
FY2025 · GAAP · consolidated · Attribution: consolidated · Reported currency
| Fiscal year | Value | YoY |
|---|---|---|
| 2025 | USD 226.658 m | 11.6% |
| 2024 | USD 203.118 m | 67.2% |
| 2023 | USD 121.509 m | — |
Consolidated net income after income taxes.
Sources: 10-K · 2025-12-31
USD 322.831 m
FY2025 · GAAP · consolidated · Attribution: consolidated · Reported currency
| Fiscal year | Value | YoY |
|---|---|---|
| 2025 | USD 322.831 m | — |
GAAP operating cash flow; excludes investment-sale proceeds and financing-classified settlement movements.
Sources: 10-K · 2025-12-31
USD 358.748 m
FY2024 · GAAP · consolidated · Attribution: consolidated · Reported currency
| Fiscal year | Value | YoY |
|---|---|---|
| 2024 | USD 358.748 m | 112.9% |
| 2023 | USD 168.517 m | — |
GAAP operating cash flow; excludes financing-classified settlement movements.
Sources: 10-K · 2025-12-31
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