Filing Flows › ACI Worldwide (ACIW) › Q3 2026
ACI Worldwide (ACIW) Q3 2026 earnings results (third quarter 2026)
10-Q filed Nov 5, 2026
ACI Worldwide (ACIW) reported revenue of $427M for the third quarter 2026 (Q3 2026), -12% from a year earlier and -0.8% from the quarter before. Operating margin was 12.3%, net earnings $32.5M (7.6% of revenue).
ACI Worldwide, Q3 2026: revenue $427M (-12% year over year), operating margin 12.3%, net earnings $32.5M, operating cash flow $119M. The chart follows the revenue to costs, profit and cash.
| Q3 2026 | Amount | Q/Q | Y/Y |
|---|---|---|---|
| Revenue | $427M | -0.8% | -12% |
| Operating profit | $52.4M | +17% | -59% |
| Net earnings | $32.5M | +2% | -64% |
| Operating cash flow | $119M | +68% | +63% |
| Free cash flow | $116M | +82% | +67% |
What changed
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.
Questions
What was ACI Worldwide's revenue in the third quarter 2026?
ACI Worldwide (ACIW) reported revenue of $427M for the third quarter 2026 (Q3 2026), -12% from a year earlier and -0.8% from the quarter before.
Was ACI Worldwide profitable in the third quarter 2026?
Operating profit was $52.4M (12.3% of revenue) and net earnings $32.5M.
Source: ACI Worldwide 10-Q on SEC EDGAR.