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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.

Revenue$427M
Year over year-12%
Operating margin12.3%
Net earnings$32.5M
Operating cash flow$119M

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

ACI Worldwide revenue by quarterACI Worldwide revenue by quarter$395MQ1 2025$401MQ2 2025$482MQ3 2025$482MQ4 2025$426MQ1 2026$430MQ2 2026$427MQ3 2026
ACI Worldwide net earnings by quarterACI Worldwide net earnings by quarter$58.9MQ1 2025$12.2MQ2 2025$91.2MQ3 2025$64.3MQ4 2025$38.3MQ1 2026$31.8MQ2 2026$32.5MQ3 2026
QuarterFormFiledRevenueY/YOp. marginNet earningsOp. cash flow
Q3 202610-QNov 5, 2026$427M-12%12.3%$32.5M$119M
Q2 202610-QAug 6, 2026$430M+7%10.4%$31.8M$70.8M
Q1 202610-QMay 7, 2026$426M+8%13.5%$38.3M$64.2M
Q4 202510-KFeb 26, 2026$482M+6%22.6%$64.3M$122M
Q3 202510-QNov 6, 2025$482M+7%26.5%$91.2M$73.0M
Q2 202510-QAug 7, 2025$401M+7%8.7%$12.2M$49.8M
Q1 202510-QMay 8, 2025$395M+25%14.8%$58.9M$78.2M

Charts

ACI Worldwide: revenue growth, year over year and quarter over quarterACI Worldwide: revenue growth, year over year and quarter over quarterY/YQ/Q+25%Q1 2025+7%+2%Q2 2025+7%+20%Q3 2025+6%0%Q4 2025+8%-12%Q1 2026+7%+1%Q2 2026-12%-1%Q3 2026
Latest (Q3 2026): Y/Y -12%, Q/Q -1%.
ACI Worldwide: where the cash came from (+) and went (−), TTM to Q3 2026ACI Worldwide: where the cash came from (+) and went (−), TTM to Q3 2026Operating cash flow$376MBuybacks−$209MOther financing−$61.3MOther investing−$31.8MTaxes on employees’ shares−$27.7MCash drawn (+) / kept (−)−$20.9MCapital spending−$17.8MShares issued$11.6MNet borrowing (+) / repaid (−)−$10.0MExchange rates−$8.6M
From the cash-flow statement as filed (SEC XBRL). Cash is fungible: the bars do not say which dollar paid for what.
ACI Worldwide: profit against cash, quarter by quarterACI Worldwide: profit against cash, quarter by quarterNet incomeOperating cash flow$98.6M$126MQ4 2024$58.9M$78.2MQ1 2025$12.2M$49.8MQ2 2025$91.2M$73.0MQ3 2025$64.3M$122MQ4 2025$38.3M$64.2MQ1 2026$31.8M$70.8MQ2 2026$32.5M$119MQ3 2026
Latest (Q3 2026): Net income $32.5M, Operating cash flow $119M.
ACI Worldwide: diluted shares by fiscal yearACI Worldwide: diluted shares by fiscal year118MFY2020119MFY2021114MFY2022109MFY2023106MFY2024105MFY2025
-11.2% since FY2020: buybacks shrank the count.
ACI Worldwide: long-term debt falling due (FY2025)ACI Worldwide: long-term debt falling due (FY2025)$42.5M2026$42.5M2027$45.0M2028$692M2029
Cash $196M, short-term investments —, long-term debt $818M at 2025-12-31.
ACI Worldwide in its industry: growth against margin (192 companies, SIC 7372)ACI Worldwide in its industry: growth against margin (192 companies, SIC 7372)revenue growth, year over year →↑ operating marginmedian +12%median 0%MSFTORCLCRMADBEXYZINTUNOWSHOPCRWVSNPSPLTRADSKElectronic Arts Inc.TEAMSSNCCDNSRBLXTWLOSNOWTTWOCRWDGENDDOGHUBSVEEVDOCUOKTANETMDBNTNXPTCTYLDBXUDTPAYCMBLYESTCPCTYZETARBRKBSYGWREPATHPCORTDCOCTVFIGKVYOCOURBILLBOXCVLTDUOLSAILGTMMANHLIMEAPPFCCCYOUTTANBLKBSGTLBALRMTENBWKPRGSFRSHAPPNBANDNAVNBRZEQTWONTSKASANCXMVERXRPDSPSCBLFSLYVRNSQLYSFROGMQBBINTANCNOEVCMNABLVIAALKTAVPTSPTPDGDYNXPERAMPLDDDSKILCERTCCSICMRCMKTWHUCKCRNCPDFSWEAVSOUNINSEXZODHIIIVLiveperson IncAIMRDNMYPSUPLDKLTRBLZELAWDRTTFBBAIMAPSCCLDEXFYRDVTSSTIEGANNTWKRCATSNALFDCTSVCOMCHXAEYEZDGEADBTWFCFAISPDUOTIDNPDYNQUBTZSPCROCFATNAWRESMSIINLXBLINMSGMGEGSEGGMYSZCXAIGXAIPARAAITXBKYICYABAPCXSPAIDSNYEXYNIDAIATDSIVDAVPRBSKKYUMEWAIFFAUIDGlobal Arena Holding, Inc.ATHRVIDAQXLLIVGUPYYFNGRSVMBTransparentBusiness, Inc.SWMRAMSTTransit Pro Tech Inc.PXLWDNKCDPLSGYGYACIW (-12%, 12%)
Services-Prepackaged Software; dot size is quarterly revenue; dashed lines are the industry's medians.

Interactive views

The same charts as the app — open one to draw it.

💵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%.

CompanyQuarterRevenueY/YOp. margin
ACIW ACI WorldwideQ3 2026$427M-12%12.3%
MSFT MicrosoftQ1 FY27$92.3B+19%49.8%
ORCL OracleQ1 FY27$19.3B+30%34.8%
CRM SalesforceQ2 FY27$11.3B+11%20.5%
ADBE AdobeQ3 FY26$6.8B+13%34.8%
XYZ BlockQ3 2026$6.7B+10%6.4%
INTU IntuitQ4 FY26$4.4B+14%10.9%
NOW ServiceNowQ3 2026$4.1B+20%9.4%
SHOP ShopifyQ3 2026$3.7B+32%15.2%

Source: ACI Worldwide 10-Q on SEC EDGAR · CIK 935036 · Services-Prepackaged Software

Guidance and outlook

ACI Worldwide Revenue: guidance against what was reportedACI Worldwide Revenue: guidance against what was reportedguided rangereported (above / within / below)Q1 2024Q3 2024FY2024$1.6BQ1 2025$395MFY2025$1.8BFY2026Q1 2026$426M
Met or beat 4 of 4 guided periods. Grey: the last range guided before the figures came out; dot: the reported figure.
ACI Worldwide: what its forward-looking statements are about (10-Q filed 2026-11-05)ACI Worldwide: what its forward-looking statements are about (10-Q filed 2026-11-05)Demand3Other2Backlog1Financing1Tax1
8 statements; tone +0.12 (−1 all cautious, +1 all confident); 1 hedged.
ACI Worldwide: outlook statements against the filing beforeACI Worldwide: outlook statements against the filing beforeConfident1

13F: who owns ACIW and who is buying

Largest holders of ACIW (13F)Largest holders of ACIW (13F)BlackRock$824MVanguard Group$641MVanguard Portfolio Management LLC$408MFranklin Resources$337MFMR LLC$329MVanguard Capital Management LLC$231MState Street$216MGeode Capital Management, LLC$171MDimensional Fund Advisors LP$159MFuller & Thaler Asset Management$137M
Funds' net buying of ACIW by quarter (13F)Funds' net buying of ACIW by quarter (13F)−$16.0M2024-09$1.3M2024-12$112M2025-03−$108M2025-06$188M2025-09−$115M2025-12−$161M2026-03$127M2026-06
Value of shares 13F filers added minus the value they sold, each quarter (quarters with most filings in).

More on ACIW

History

Every quarter: Q3 2026 results · Q2 2026 results · Q1 2026 results · Q4 2025 results · Q3 2025 results · Q2 2025 results · Q1 2025 results

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