ACI Worldwide(DE:TSA)
€54.00+0.50 (+0.93%)
DE:TSA
ACI Worldwide earnings date
€54.00
At close:+0.50 (+0.93%)
ACI Worldwide (TSA) Q3 2026 Earnings Report
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DE:TSA Q3 2026 EPS Results
- Actual EPS
- EUR 0.29
- Consensus EPS
- EUR 0.33
- Beat/Miss
- Missed by -EUR 0.04
- One Year Ago EPS
- EUR 0.79
DE:TSA Q3 2026 Revenue Results
- Actual Revenue
- EUR 380.74M
- Expected Revenue
- EUR 376.36M
- Beat/Miss
- Beat by +EUR 4.37M
- YoY Revenue Growth
- -11.52%
Earnings Announcement Details
- Quarter
- Q3 2026
- Date
- 11/05/2026
- Time
- Before Open
- Conference Call
- Thursday, November 5, 2026
DE:TSA Upcoming Earnings
ACI Worldwide's next earnings date is estimated for March 4, 2027, based on past reporting schedules.
Q3 2026 Earnings Call Audio
DE:TSA Q3 2026 Earnings Call
0:00 / 0:00
Q3 2026 Earnings Slide Deck
Q3 2026 Earnings Call Summary
Earnings Call Sentiment|Positive
The call was strongly positive overall. Management reported better-than-expected third-quarter results, raised adjusted EBITDA guidance, highlighted strong cash generation and share repurchases, and described substantial progress in ACI Kinetic, Speedpay 1, customer wins, and the broader payments-intelligence strategy. The principal negatives were year-over-year declines in revenue, EBITDA, margins, net income, payment software performance, and license and services bookings, which management attributed primarily to renewal timing. The number and significance of the stated strategic and operational positives outweighed the reported declines.
Company Guidance
For full-year 2026, ACI Worldwide reiterated revenue guidance of $1.895 billion to $1.925 billion and raised adjusted EBITDA guidance to $550 million to $565 million, from the previous range of $545 million to $560 million, with a strong fourth quarter weighting from payment software license renewals; more than 95% of the full-year 2026 revenue outlook is already signed and contracted or is associated with license contracts renewing before the end of the year. The company expects the second half to grow upper single to double digits on both revenue and EBITDA, is positioned to deliver towards the high end of its high single digit revenue model, and continues to expect growth for both full-year 2026 new ARR and new license and services bookings. It also expects to allocate 50% to 60% of full year operating cash flow to share repurchases subject to market conditions, while maintaining flexibility to invest in strategic priorities.
- Third-Quarter Revenue and EBITDA Beat ExpectationsACI delivered third-quarter revenue of $427 million, at the high end of its guidance range, and adjusted EBITDA of $98 million, above its guidance range. Management described the quarter as another better-than-expected result.
- Full-Year Revenue Outlook Reiterated and EBITDA Guidance RaisedThe company reiterated full-year 2026 revenue guidance of $1.895 billion to $1.925 billion and raised adjusted EBITDA guidance from $545 million to $560 million to $550 million to $565 million, reflecting performance through the third quarter, productivity, and expense discipline while preserving strategic investments.
- Strong Revenue Visibility for the Full YearMore than 95% of the full-year 2026 revenue outlook is already signed and contracted or associated with license contracts renewing before year-end. Management said it feels confident about delivering a strong fourth quarter.
- Recurring Revenue GrowthThird-quarter recurring revenue increased 4% year over year to $309 million. Through the first nine months, recurring revenue increased 6% year over year to $959 million.
- Strong Operating Cash Flow GenerationThird-quarter operating cash flow was $119 million, up 63% year over year. Operating cash flow through the first nine months was $254 million, up 26% from $201 million a year ago.
- Meaningful Share Repurchases and Strong LiquidityACI repurchased approximately $50 million of shares, or more than 900,000 shares, during the third quarter. Year-to-date repurchases totaled approximately $157 million, or about 3.4 million shares, with approximately $299 million remaining under the authorization at quarter-end. The company ended September with $219 million of cash, $821 million of debt, a 1.3-times net debt leverage ratio, and $587 million of total cash and available liquidity.
- New ARR Bookings AcceleratedThird-quarter new ARR bookings increased 86% year over year to approximately $24 million, with growth across both payment software and biller. Trailing twelve-month new ARR bookings were $79 million, and management continued to expect growth in full-year 2026 new ARR and new license and services bookings.
- ACI Kinetic Customer and Pipeline MomentumACI announced two new ACI Kinetic customer signings during the quarter, successfully placed Solaris into production as its first live Kinetic customer, and signed one of the largest banks in Africa, with implementation expected to go live in 2027. Management said transactions are beginning to flow, the pipeline continues to build, and the customer list is growing.
- Kinetic Revenue Has Begun and Is Expected to RampManagement said ACI has started to recognize small amounts of revenue from its first Kinetic customer, which is a consumption-based SaaS deal. Most of the other signed deals are expected to go live next year, with more meaningful revenue expected throughout 2027.
- Expansion of Card Payments Capabilities Through Cranium VenturesThe acquisition of Cranium Ventures accelerated ACI's card payments roadmap. Cranium's software was incorporated into the ACI Kinetic ecosystem to strengthen multi-rail card payment switching capabilities and bring transaction volumes from industry players onto the platform. The acquisition also added payment-switching talent and expertise.
- Broader Kinetic Product and Payments IntegrationsACI announced general availability of ACI Kinetic for cards, embedded JPMorgan's Connexus account and payee verification into its fraud solution, integrated with Swift's blockchain-based ledger, and announced a collaboration with Circle to facilitate USDC stablecoin settlement alongside traditional payment rails.
- Speedpay Sales Performance Exceeded TargetSpeedpay's sales team achieved more than its full-year target before the end of the third quarter and continued to perform strongly. Management attributed the progress to a more independent focus for the biller business, vertical-specialist go-to-market coverage, dedicated sales and account-management leadership, and new tools and processes, including generative AI workflow support.
- Speedpay 1 Customer Adoption and Product ExpansionACI continued to rapidly onboard customers to Speedpay 1, and management said customer feedback remained overwhelmingly positive. The company delivered its largest release of new Speedpay 1 capabilities in recent memory, including in-person payments, its first disbursements client going live, and a new developer portal. More than 100 customers were said to be on Speedpay 1.
- Biller Segment Revenue and Economics ImprovedThird-quarter biller revenue increased 6% year over year to $210 million. Revenue net of interchange fees increased 5% to $66 million, while adjusted EBITDA was $34 million and net adjusted EBITDA margin was 51%, in line with the prior year. Management said the gap between gross and net revenue growth narrowed in the quarter, reflecting progress in improving the economics of the business.
- Payment Software and Biller Customer WinsACI highlighted new and expanded relationships including Interpog in Brazil, expanded bill-payment partnerships with Exeter and National Grid, a new customer in Malaysia, two U.S. financial institutions for ACI Connect, and the large African bank adopting ACI Kinetic. Management said these wins demonstrate opportunities across acquiring, payment intelligence, fraud prevention, orchestration, utilities, real-time payments, and financial institutions.
- Record Meeting Activity at SibosAt the Sibos banking conference, ACI's team held a record number of meetings with customers, prospects, partners, and industry leaders—more than double the number held at the conference the prior year. Management said the conversations increasingly focused on how ACI Kinetic is progressing.
- Kinetic Supports Sales and Pricing LeverageManagement said the Kinetic roadmap has helped win new customers, deepen existing relationships, qualify and advance opportunities, and improve pricing leverage in renewal discussions. An existing African bank customer purchased Kinetic for a new line of business, creating a net-new opportunity within an existing relationship.
- Biller Growth Supported by Product Execution and Market OpportunityManagement attributed strong biller sales to improvements in Speedpay 1 technology and customer experience, positive customer advocacy, improved sales and account-management processes, and leadership execution. The company also described the market as attractive, with two scale players and substantial white space, as well as opportunities to expand share of wallet through established relationships.
- Strategic Progress Toward Payments IntelligenceManagement said ACI is progressing from payments infrastructure to payments orchestration and, over time, payments intelligence. The company is using its payments expertise, software and infrastructure, data, and neutrality across payment rails and types to develop this strategy.
DE:TSA Earnings History
| Report Date | Fiscal Quarter | Forecast / EPS | Last Year's EPS | EPS YoY Change | Press Release |
|---|---|---|---|---|---|
| Mar 04, 2027 | 2026 (Q4) | 1.36- | 0.55 | ― | ― |
| Nov 05, 2026 | 2026 (Q3) | 0.330.29 | 0.79 | -63.64% (-0.50) | |
| Aug 06, 2026 | 2026 (Q2) | 0.260.28 | 0.11 | 158.33% (+0.17) | |
| May 07, 2026 | 2026 (Q1) | 0.260.33 | 0.49 | -32.73% (-0.16) | |
| Feb 26, 2026 | 2025 (Q4) | 0.710.55 | 0.83 | -33.33% (-0.28) | |
| Nov 06, 2025 | 2025 (Q3) | 0.720.79 | 0.69 | 14.29% (+0.10) | |
| Aug 07, 2025 | 2025 (Q2) | 0.090.11 | 0.26 | -58.62% (-0.15) | |
| May 08, 2025 | 2025 (Q1) | 0.160.49 | -0.06 | 885.71% (+0.55) | |
| Feb 27, 2025 | 2024 (Q4) | 0.520.83 | 1 | -16.96% (-0.17) | |
| Nov 07, 2024 | 2024 (Q3) | 0.380.69 | 0.31 | 120.00% (+0.37) |
The table shows recent earnings report dates and whether the forecast was beat or missed. See the change in forecast and EPS from the previous year.
Beat Missed
