Filing Flows › ACI Worldwide (ACIW) › Q3 2025
ACI Worldwide (ACIW) Q3 2025 earnings results (third quarter 2025)
10-Q filed Nov 6, 2025
ACI Worldwide (ACIW) reported revenue of $482M for the third quarter 2025 (Q3 2025), +7% from a year earlier and +20% from the quarter before. Operating margin was 26.5%, net earnings $91.2M (18.9% of revenue).
ACI Worldwide, Q3 2025: revenue $482M (+7% year over year), operating margin 26.5%, net earnings $91.2M, operating cash flow $73.0M. The chart follows the revenue to costs, profit and cash.
| Q3 2025 | Amount | Q/Q | Y/Y |
|---|---|---|---|
| Revenue | $482M | +20% | +7% |
| Operating profit | $128M | +266% | +4% |
| Net earnings | $91.2M | +648% | +12% |
| Operating cash flow | $73.0M | +47% | +35% |
| Free cash flow | $69.6M | +46% | +38% |
What changed
Revenue was $482.4M in Q3 2025, up 7% year over year and up 20% from the previous quarter. Software as a service and platform as a service was the largest line at 51% of revenue. Software as a service and platform as a service added $23.5M year over year (up 11%), 77% of the total change. Services declined 6%.
Operating profit was $127.7M, a 26.5% margin (down 0.7 points year over year). Of the extra revenue versus a year earlier, 17% reached operating profit, below the 27% margin then. Total costs grew 8% against revenue growth of 7%. The fastest-growing cost line was Cost of revenue (+13%). Net earnings were $91.2M, up 12% year over year. The effective tax rate was 22.7%.
Operating cash flow was $73.0M (up 35% year over year), 80% of net earnings. Non-cash charges added back $24.1M of depreciation and amortization and $17.4M of share-based compensation. Working capital and other items used $59.7M. Capital expenditures of $3.4M left free cash flow of $69.6M.
Questions
What was ACI Worldwide's revenue in the third quarter 2025?
ACI Worldwide (ACIW) reported revenue of $482M for the third quarter 2025 (Q3 2025), +7% from a year earlier and +20% from the quarter before.
Was ACI Worldwide profitable in the third quarter 2025?
Operating profit was $128M (26.5% of revenue) and net earnings $91.2M.
Source: ACI Worldwide 10-Q on SEC EDGAR.