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ACI Worldwide (ACIW) earnings and revenue breakdown
Latest: Q3 2026 · 10-Q filed Nov 5, 2026 · ACI Worldwide (ACIW) Q3 2026 earnings results →
Q3 2026 Revenue down 12% year over year to $427M · 8¢ of every $1 of revenue kept as net profit · operating margin 12.3%
ACI Worldwide made $427M in Q3 2026 (-12% Y/Y): Software as a service and platform as a service $258M, License $94.8M, Maintenance $51.0M. Operating margin 12.3%, net earnings $32.5M. See where every dollar goes — costs, profit and cash — as a Sankey from the 10-Q filed Nov 5, 2026.
Drawing the Sankey…
Open the interactive Sankey → click any line for what the company wrote about it, compare Y/Y and Q/Q, export as PNG or PDF
What changed this quarter
Revenue was $426.8M in Q3 2026, down 12% year over year and down 1% from the previous quarter. Software as a service and platform as a service was the largest line at 61% of revenue. License lost $67.2M year over year (down 41%), 121% of the total change.
Operating profit was $52.4M, a 12.3% margin (down 14.2 points year over year). Total costs grew 6% against a revenue fall of 12%. The fastest-growing cost line was General & admin (+22%). Net earnings were $32.5M, down 64% year over year. The effective tax rate was 22.9%.
Operating cash flow was $119.1M (up 63% year over year), 366% of net earnings. Non-cash charges added back $21.7M of depreciation and amortization and $18.4M of share-based compensation. Working capital and other items added $46.5M. Capital expenditures of $2.7M left free cash flow of $116.3M.
Quarterly history
| Quarter | Form | Filed | Revenue | Y/Y | Op. margin | Net earnings | Op. cash flow |
|---|---|---|---|---|---|---|---|
| Q3 2026 | 10-Q | Nov 5, 2026 | $427M | -12% | 12.3% | $32.5M | $119M |
| Q2 2026 | 10-Q | Aug 6, 2026 | $430M | +7% | 10.4% | $31.8M | $70.8M |
| Q1 2026 | 10-Q | May 7, 2026 | $426M | +8% | 13.5% | $38.3M | $64.2M |
| Q4 2025 | 10-K | Feb 26, 2026 | $482M | +6% | 22.6% | $64.3M | $122M |
| Q3 2025 | 10-Q | Nov 6, 2025 | $482M | +7% | 26.5% | $91.2M | $73.0M |
| Q2 2025 | 10-Q | Aug 7, 2025 | $401M | +7% | 8.7% | $12.2M | $49.8M |
| Q1 2025 | 10-Q | May 8, 2025 | $395M | +25% | 14.8% | $58.9M | $78.2M |
Charts
Interactive views
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💵Where each $1 goesinteractive
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🌏Named in Asian annual reportsinteractive
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🔄Rotation against the market and its industry (RRG)interactive
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🔍Earnings qualityinteractive
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⚖️Fair value by methodinteractive
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🔭Outlook & guidanceinteractive
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📈Investments: gains and what it boughtinteractive
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🏭Its industry’s money flow (input-output)interactive
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About ACI Worldwide
ACI develops, markets, installs, and supports a broad line of software solutions that deliver intelligent payments o rchestration to banks, merchants, and billers . ACI powers the world's payments ecosystem by supporting any channel, any network, and any payment type. Our solutions support the new payment experiences that help power customers' growth and drive innovation. Our intelligent payments orchestration solutions empower customers to modernize their payments infrastructure to support the transactions their businesses need to stay ahead - at scale and without downtime.
In its own words, from its 10-K, filed Feb 26, 2026.
ACI Worldwide against its Services-Prepackaged Software peers
The largest companies of the same SEC industry, each at its latest quarter. Revenue growth: -12% against the peers' median +14%. Operating margin: 12.3% against the peers' median 15.2%.
| Company | Quarter | Revenue | Y/Y | Op. margin |
|---|---|---|---|---|
| ACIW ACI Worldwide | Q3 2026 | $427M | -12% | 12.3% |
| MSFT Microsoft | Q1 FY27 | $92.3B | +19% | 49.8% |
| ORCL Oracle | Q1 FY27 | $19.3B | +30% | 34.8% |
| CRM Salesforce | Q2 FY27 | $11.3B | +11% | 20.5% |
| ADBE Adobe | Q3 FY26 | $6.8B | +13% | 34.8% |
| XYZ Block | Q3 2026 | $6.7B | +10% | 6.4% |
| INTU Intuit | Q4 FY26 | $4.4B | +14% | 10.9% |
| NOW ServiceNow | Q3 2026 | $4.1B | +20% | 9.4% |
| SHOP Shopify | Q3 2026 | $3.7B | +32% | 15.2% |
Source: ACI Worldwide 10-Q on SEC EDGAR · CIK 935036 · Services-Prepackaged Software
Guidance and outlook
13F: who owns ACIW and who is buying
More on ACIW
- How ACI Worldwide makes money: revenue by segment
- ACI Worldwide next earnings date and what analysts expect
- ACI Worldwide stock forecast, price target and fair value
- Who owns ACI Worldwide stock: holders, funds and Congress trades
- ACI Worldwide guidance and outlook
- Is ACI Worldwide a takeover target? LBO and rumors
History
Every quarter: Q3 2026 results · Q2 2026 results · Q1 2026 results · Q4 2025 results · Q3 2025 results · Q2 2025 results · Q1 2025 results
- ACI Worldwide guidance history: guided vs reported
- ACI Worldwide operating margin by quarter
- ACI Worldwide net income by quarter
- ACI Worldwide free cash flow by quarter
- ACI Worldwide capital expenditures by quarter
- ACI Worldwide Software as a service and platform as a service revenue by quarter
- ACI Worldwide License revenue by quarter
- ACI Worldwide Maintenance revenue by quarter