ACI Worldwide Reports Record Growth and Raises Guidance

ACI Worldwide, Inc. ((ACIW)) has held its Q3 earnings call. Read on for the main highlights of the call.

In the latest earnings call, ACI Worldwide, Inc. showcased a robust financial performance, marked by record revenue growth, successful product launches, and enhanced shareholder returns. Despite facing moderate challenges such as currency impacts and slower growth in the Payment Software segment, the overall sentiment was optimistic, with the company raising its guidance for the full year.

Record Revenue Growth

ACI Worldwide reported a commendable 7% year-over-year total revenue growth in the third quarter of 2025. Year-to-date, the company has achieved a 12% increase in both total revenue and adjusted EBITDA, underscoring its strong financial health and operational efficiency.

Strong Performance in Biller Business

The Biller business segment demonstrated impressive results with a 10% revenue growth in Q3. This growth was primarily driven by outstanding performance in the utility and government verticals, highlighting the segment’s strategic importance to ACI Worldwide’s overall portfolio.

Successful Launch of ACI Connetic

ACI Worldwide celebrated the successful launch of its new platform, ACI Connetic, by signing its first customer, Solaris, a German fintech and bank, in Q3. The platform’s innovative architecture is gaining traction, expanding the company’s customer pipeline and setting the stage for future growth.

Increased Share Repurchase Authorization

Reflecting its commitment to shareholder value, ACI Worldwide repurchased 3.1 million shares for $150 million year-to-date. The company has also increased its share repurchase authorization to $500 million, signaling confidence in its financial position and future prospects.

Foreign Exchange Impact

While ACI Worldwide reported strong revenue growth, the impact of foreign exchange adjustments was evident, with growth slightly lower at 6%. This highlights the challenges posed by currency fluctuations on international operations.

Moderate Growth in Payment Software Segment

The Payment Software segment experienced a modest 4% growth in Q3, indicating a slower pace compared to other segments. This reflects the varied demand dynamics across different areas such as issuing, acquiring, and real-time payments.

Lower Cash Flow from Operations

Year-to-date cash flow from operations was reported at $201 million, down from $232 million the previous year. This decline is attributed to the timing of receivables and tax payments, suggesting a need for strategic cash flow management.

Positive Earnings Guidance

ACI Worldwide has raised its full-year guidance, now expecting total revenue between $1.73 billion and $1.754 billion, and adjusted EBITDA between $495 million and $510 million. This upward revision underscores the company’s confidence in its growth trajectory and operational strategies.

In summary, ACI Worldwide’s earnings call reflected a positive outlook with strong financial performance and strategic initiatives driving growth. Despite some challenges, the company remains optimistic, supported by raised guidance and a focus on shareholder returns.