Filing Flows › ACI Worldwide (ACIW) › Q3 2026 › vs Q3 2025
ACI Worldwide (ACIW) Q3 2026 vs Q3 2025 (year over year)
ACI Worldwide's revenue fell $55.5M (-12%) from $482M in Q3 2025 to $427M in Q3 2026. The biggest changes: License −$67.2M (-41%); Software as a service and platform as a service +$11.4M (+5%); Services +$623K (+3%). Operating margin 12.3% against 26.5% (-14.2 pts).
ACI Worldwide, Q3 2026: revenue $427M (-12% year over year), operating margin 12.3%, net earnings $32.5M, operating cash flow $119M. The chart draws each line against Q3 2025, the increases inside each band.
Margins
| Q3 2026 | Q3 2025 | Change | |
|---|---|---|---|
| Operating margin | 12.3% | 26.5% | -14.2 pts |
| Net margin | 7.6% | 18.9% | -11.3 pts |
| Free cash flow margin | 27.3% | 14.4% | +12.8 pts |
Every line
| Line | Q3 2026 | Q3 2025 | Change | % |
|---|---|---|---|---|
| Software as a service and platform as a service | $258M | $247M | $11.4M | +5% |
| License | $94.8M | $162M | −$67.2M | -41% |
| Maintenance | $51.0M | $51.4M | −$439K | -0.9% |
| Services | $22.7M | $22.1M | $623K | +3% |
| Revenue | $427M | $482M | −$55.5M | -12% |
| Operating profit | $52.4M | $128M | −$75.3M | -59% |
| Costs & expenses | $374M | $355M | $19.8M | +6% |
| Pre-tax earnings | $42.2M | $118M | −$75.9M | -64% |
| Other expense, net | $10.2M | $9.6M | $587K | +6% |
| Cost of revenue | $231M | $223M | $8.3M | +4% |
| Sales & marketing | $29.6M | $30.7M | −$1.1M | -4% |
| General & admin | $41.7M | $34.1M | $7.6M | +22% |
| Other operating costs | $71.8M | $66.7M | $5.1M | +8% |
| Net earnings | $32.5M | $91.2M | −$58.7M | -64% |
| Income tax | $9.7M | $26.9M | −$17.2M | -64% |
| Depreciation & amortization | $21.7M | $24.1M | −$2.5M | -10% |
| Share-based compensation | $18.4M | $17.4M | $1.0M | +6% |
| Working capital & other | $46.5M | −$59.8M | $106M | — |
| Operating cash flow | $119M | $73.0M | $46.0M | +63% |
| Free cash flow (OCF − capex) | $116M | $69.6M | $46.7M | +67% |
| Capital expenditures | $2.7M | $3.4M | −$666K | -20% |
Questions
How much did ACI Worldwide's revenue grow year over year in Q3 2026?
ACI Worldwide's revenue fell $55.5M (-12%) from $482M in Q3 2025 to $427M in Q3 2026.
What drove ACI Worldwide's revenue change in Q3 2026?
License −$67.2M (-41%); Software as a service and platform as a service +$11.4M (+5%); Services +$623K (+3%).