Every 8-K 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 8-K covers material events a company has to report between its quarterly 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 reported strong Q2 2026 results, with total revenue of $430.4 million, up 7% year over year (6% in constant currency). GAAP net income was $31.8 million versus $12.2 million a year ago, and adjusted EBITDA was $90.8 million, up 12%, yielding a net adjusted EBITDA margin of 34%. GAAP diluted EPS was $0.31, while adjusted diluted EPS rose 54% to $0.54. Recurring revenue reached $336.3 million, up 5%.
Payment Software revenue was $196.4 million, up 9%, with Issuing and Acquiring revenue up 33% in constant currency; segment adjusted EBITDA was $93.6 million with a 48% margin. Biller revenue was $234.1 million, up 5%, but revenue net of interchange declined 3% and segment adjusted EBITDA fell to $34.7 million, with margin net of interchange down to 51% from 56%. Net new ARR bookings were $18.3 million, down 25% year over year, and trailing‑twelve‑month ARR bookings declined 15%.
Cash on hand was $167.4 million and total debt $826 million, for a net debt leverage ratio of 1.2x adjusted EBITDA and total cash plus available liquidity of $540 million. Year‑to‑date operating cash flow was $135.0 million. The company repurchased 2.5 million shares year to date for $107 million, with $349 million remaining under authorization. Full‑year 2026 guidance was raised to $1.895–$1.925 billion in revenue and $545–$560 million in adjusted EBITDA, with Q3 2026 revenue expected at $417–$427 million and adjusted EBITDA at $90–$95 million.
ACI Worldwide, Inc. reported the results of its 2026 Annual Meeting of Stockholders. Stockholders elected nine directors to serve until the 2027 Annual Meeting, with each nominee receiving over 90 million votes in favor and relatively few votes against or abstentions.
Stockholders also ratified the appointment of Deloitte & Touche LLP as the independent registered public accounting firm for the fiscal year ending December 31, 2026. In addition, they approved, on an advisory basis, the Company’s named executive compensation as described in the 2026 Proxy Statement.
ACI Worldwide reported strong first-quarter 2026 results and raised its full-year outlook. Revenue reached $425.7 million, up 8% from Q1 2025, driven by 10% growth in Biller and 6% growth in Payment Software. Recurring revenue grew 10% to $312.9 million.
GAAP net income was $38.3 million, while adjusted EBITDA rose 12% to $105.2 million and net adjusted EBITDA margin improved to 38%. Adjusted diluted EPS increased to $0.61, up from $0.51. The company repurchased 1.5 million shares for about $65 million and now expects 2026 revenue of $1.89–$1.92 billion and adjusted EBITDA of $540–$555 million.
ACI Worldwide, Inc. reported strong 2025 results with total revenue of $1.76 billion, up 10%, and recurring revenue of $1.21 billion, up 11% from 2024. Net income rose 12% to $226.7 million, and total adjusted EBITDA increased 9% to $506.4 million, reflecting solid profitability.
The company generated $323 million in cash flow from operating activities, ended 2025 with $196 million in cash and $823 million of debt, and reported a net debt leverage ratio of 1.2x adjusted EBITDA. ACI repurchased about 4.2 million shares for $203 million, leaving $456 million available under its authorization and indicating continued capital returns.
Management guided 2026 revenue to a range of $1.88 billion to $1.91 billion, implying 7%–9% growth, with adjusted EBITDA between $530 million and $550 million. For Q1 2026, expected revenue is $405 million to $415 million and adjusted EBITDA is $88 million to $93 million. The filing also notes board refreshment: long‑time directors Charles Peters and Janet Estep resigned, and Kimberly deBeers joined as an independent director and will serve on the Audit and Nominating and Corporate Governance Committees.
ACI Worldwide, Inc. reported a leadership change in its technology organization. The company and Abe Kuruvilla, its Chief Technology Officer, agreed that his employment will end on January 15, 2026. Under the company’s existing severance policy, he will be eligible for severance and continued medical benefits.
Effective January 13, 2026, JP Krishnamoorthy, who serves as Chief Innovation and Technology Officer, has assumed Mr. Kuruvilla’s responsibilities. This keeps senior leadership coverage in place over the company’s technology and innovation functions while the transition occurs.
ACI Worldwide (ACIW) furnished quarterly results materials. The company announced financial results for the three months ended September 30, 2025, and made the related materials available as exhibits.
The information was furnished under Item 2.02 (Results of Operations and Financial Condition) and Item 7.01 (Regulation FD Disclosure) and is not deemed filed for purposes of Section 18 of the Exchange Act. Included exhibits are a press release (Exhibit 99.1) and investor presentation materials (Exhibit 99.2).
ACI Worldwide, Inc. reported that Todd Ford and Didier Lamouche have been appointed as independent members of its Board of Directors, effective September 25, 2025. They will serve until the 2026 Annual Meeting of Stockholders and continue thereafter until successors are elected and qualified.
Both directors will receive the company’s standard compensation for non-employee directors. The Board determined, under its independence guidelines aligned with Nasdaq Global Select Market standards, that each is independent. The company also stated that neither Ford nor Lamouche is involved in any related-party transactions requiring disclosure under Item 404(a) of Regulation S-K.
ACI Worldwide has entered into a significant debt refinancing transaction on June 18, 2025. The company secured a $200 million incremental term loan through a Lender Addition and Acknowledgement Agreement with Bank of America, supplementing their existing Second Amended and Restated Credit Agreement from 2019.
Key transaction details:
- The new term loan, combined with cash on hand and revolving loan proceeds, was used to fully redeem $400 million of 5.750% Senior Notes due 2026
- Interest rate: Term SOFR plus variable margin of 1.5% to 2.5% based on consolidated leverage ratio
- Redemption completed on June 20, 2025
This refinancing represents a strategic move to restructure ACI Worldwide's debt obligations, potentially taking advantage of more favorable interest terms through the new term loan facility. The transaction may impact the company's debt service costs and overall financial flexibility.