Every 10-Q that ACI Worldwide, Inc. (ACIW) has filed with the SEC in the last 24 months is listed below, newest first, and each one links through to the document itself with the summary and the scores our analysis gives it.
A 10-Q covers the quarterly report filed between annual reports, so if you follow ACIW and want that one kind of document rather than the whole filing history, this is the page to keep. The company's other filings, of every form, are on the full ACIW filings page.
ACI Worldwide delivered solid Q2 2026 growth, with revenue up 7% to $430.4 million and net income rising to $31.8 million from $12.2 million. SaaS and PaaS revenue grew 5% to $284.8 million, while license revenue increased 21%, helped by renewal timing and new customer go-lives.
Segment Adjusted EBITDA reached $128.4 million, up from $123.1 million, with both Payment Software and Biller segments contributing. For the first half of 2026, revenue rose 8% to $856.2 million, and net income was $70.1 million, slightly lower than a year earlier as 2025 benefited from a one-time investment gain.
Operating cash flow was strong at $135.0 million in the first half, funding $28.2 million of capitalized software and property and $107.4 million of share repurchases. Total debt was $822.2 million at a 5.49% interest rate, and a 60‑month backlog of $7,281 million supports multi‑year revenue visibility.
ACI Worldwide reported Q1 2026 revenue of $425.7 million, up 8% from a year earlier, driven mainly by 10% growth in software-as-a-service and platform-as-a-service revenue to $262.0 million. License, maintenance, and services revenue also rose modestly.
Operating income was essentially flat at $57.5 million, but net income declined to $38.3 million from $58.9 million, largely because the prior-year quarter included a $25.9 million gain on an equity investment and operating expenses increased, including cost reduction charges and higher legal and personnel costs.
Cash from operating activities was $64.2 million. The company ended the quarter with $161.8 million in cash and cash equivalents and $811.9 million of total debt outstanding, plus $398.1 million available under its revolving credit facility. ACI repurchased 1.55 million shares for $65.8 million, and its 60‑month backlog was $7.29 billion.
ACI Worldwide (ACIW) reported stronger Q3 2025 results. Total revenues were $482.4 million, up from $451.8 million a year ago. Net income rose to $91.3 million, and diluted EPS was $0.88. Operating income increased to $127.7 million as SaaS/PaaS revenue expanded to $246.9 million, with additional contributions from license ($162.0 million), maintenance ($51.4 million), and services ($22.1 million).
For the nine months, revenue reached $1.278 billion versus $1.141 billion, and net income grew to $162.3 million. Cash from operations was $201.1 million. The company redeemed in full its $400.0 million 5.750% Senior Notes due 2026 on June 18, 2025, funded in part by a $200.0 million incremental term loan, lowering interest expense. Total debt stood at $867.8 million at September 30, 2025, with $240.0 million on the revolver and $633.1 million in term loans.
ACI repurchased 3.07 million shares for $151.0 million year‑to‑date; on October 31, 2025, the Board approved a new $500.0 million authorization. Remaining performance obligations were $753.7 million, with approximately 55% expected over the next 12 months. Segment revenue was $284.0 million for Payment Software and $198.3 million for Biller.