| Metric | Value ($ M) | Q2 FY26 | Q3 FY25 |
|---|---|---|---|
| Revenue | 426.81 | 0.8% | 11.5% |
| Total Income | 426.81 | 0.8% | 11.5% |
| Expenditure | 374.45 | 2.9% | 5.6% |
| PBT | 42.19 | 8.4% | 64.3% |
| Net Profit | 32.53 | 2.3% | 64.3% |
| OPM | 12.27% | 1.90pp | 14.21pp |
| NPM | 7.62% | 0.23pp | 11.30pp |
| EPS | 0.32 | 3.2% | 63.6% |
ACI Worldwide Reports Q3 2026 Results; Raises FY 2026 Adjusted EBITDA Guidance
05 Nov 2026 · 2h ago
Summary
ACI Worldwide announced its third quarter 2026 financial results, reporting revenue of $427 million, down 12% year-over-year, attributed to the timing of license renewals. Net income decreased to $33 million from $91 million in the prior year, and adjusted EBITDA fell 43% to $98 million. Despite the quarterly decline, year-to-date operating cash flow increased by 26% to $254 million, and new Annual Recurring Revenue (ARR) bookings surged by 86%. The company is reiterating its full-year revenue guidance and raising its adjusted EBITDA forecast, expressing confidence in an upper-single-digit revenue growth outlook with margin expansion.
Key Highlights
- 1
ACI Worldwide reported Q3 2026 revenue of $427 million, a decrease of 12% compared to Q3 2025, primarily due to the timing of license renewals.
- 2
Net income for Q3 2026 was $33 million, down from $91 million in Q3 2025.
- 3
Adjusted EBITDA for Q3 2026 was $98 million, a decrease of 43% from Q3 2025, with net adjusted EBITDA margin at 35%.
- 4
Year-to-date operating cash flow was $254 million, an increase of 26% compared to the same period last year.
- 5
Q3 2026 saw a significant increase in new ARR bookings, up 86% year-over-year, with growth across both Payment Software and Biller segments.
- 6
The company successfully completed the go-live of its first ACI Connetic customer and announced two additional wins for the platform.
- 7
ACI Worldwide is reiterating its full-year 2026 revenue guidance and raising its adjusted EBITDA guidance.
Management Comments
Thomas Warsop
ACI executed well in the third quarter, delivering results ahead of expectations, demonstrating the significant progress we have achieved against our key strategic priorities. ARR bookings were particularly strong, reflecting healthy demand across the business. We continue to see strong momentum in our innovation agenda, reaching important milestones with ACI Connetic, including our first customer go-live and two additional wins, while continuing to advance Speedpay ONE for our bill pay customers. We are investing to accelerate growth momentum, including the acquisition of Cranium Ventures to add multi-rail card switching microservices, while maintaining our balanced, disciplined approach to capital allocation by returning approximately $157 million year-to-date to shareholders through share repurchases. With high visibility into scheduled renewals, we are confident in our full-year outlook of upper-single-digit revenue growth with margin expansion.
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