ACI Worldwide (NASDAQ: ACIW) GM disposes 811 shares to issuer at $44.39

Rhea-AI Filing Summary

ACI Worldwide, Inc. executive Ronald Craig Shultz, GM of ACI Speedpay, reported two issuer dispositions of common stock on August 11, 2025, returning 270 and 541 shares at $44.39 per share. After these transactions he directly holds 43,857 ACI Worldwide common shares. Form-level footnotes describe shares surrendered to pay tax liabilities upon vesting of restricted stock units granted on May 11, 2023.

Insights

Financial Analyst

TL;DR: Officer surrendered shares to satisfy tax withholding on RSU vestings; transactions are routine and not disclosed as open-market sales.

The filing documents two share surrenders by Ronald Craig Shultz on 08/11/2025, totaling 811 surrendered shares executed at $44.39 per share to meet tax obligations tied to RSU vesting. The form lists beneficial ownership after the events as 44,398 and 43,857 shares. Because the activity is described as surrender to cover taxes rather than market dispositions, it is typically treated as administrative and is unlikely, on its own, to materially affect the company’s capital structure or valuation.

Corporate Governance Expert

TL;DR: Transactions are tax-withholding related vesting events; governance roles unchanged and no new derivative holdings reported.

The report identifies Mr. Shultz as an officer (GM, ACI Speedpay) and records that the surrendered shares correspond to one-twelfth vesting increments of RSUs granted on May 11, 2023. The explanations clearly state the purpose as tax withholding for RSU vesting (749 shares and 1,498 shares vesting, with 270 and 541 shares surrendered). There is no indication of additional sales, option exercises, or changes in officer status in this filing, suggesting no governance-level changes disclosed here.

Insider Trade Summary

Net Seller: 811 shares

Net Sell 2 txns

Insider Shultz Ronald Craig

Role GM, ACI Speedpay

Type	Security	Shares	Price	Value
Disposition	Common Stock	270	$44.39	$12K
Disposition	Common Stock	541	$44.39	$24K

Holdings After Transaction: Common Stock — 43,857 shares (Direct)

Footnotes (2)

1. F1. Represents shares surrendered by the reporting person to pay the tax liability due upon the vesting of 749 shares, representing one twelfth of the restricted stock units granted on May 11, 2023.
2. F2. Represents shares surrendered by the reporting person to pay the tax liability due upon the vesting of 1,498 shares, representing one twelfth of the restricted stock units granted on May 11, 2023.

Key Figures

First disposition shares: 270 shares Second disposition shares: 541 shares Total shares disposed: 811 shares +4 more

7 metrics

First disposition shares 270 shares Common stock disposed to issuer on August 11, 2025

Second disposition shares 541 shares Additional common stock disposed to issuer on August 11, 2025

Total shares disposed 811 shares Sum of the two issuer dispositions reported in this Form 4

Disposition price $44.39 per share Price per share for both non-derivative issuer dispositions

Post-transaction holdings 43,857 shares Direct common stock held by Ronald Craig Shultz after the transactions

RSU vesting block 1 749 shares Shares vesting from RSUs granted on May 11, 2023, per footnote

RSU vesting block 2 1,498 shares Additional shares vesting from the same RSU grant, per footnote

Key Terms

restricted stock units, vesting, Disposition to issuer, tax liability

4 terms

restricted stock units financial

"representing one twelfth of the restricted stock units granted on May 11, 2023"

Restricted stock units are a type of company reward where employees are promised shares of stock, but they only fully own these shares after meeting certain conditions, like staying with the company for a set time. They matter because they can become valuable assets and are often used to motivate employees to help the company succeed.

vesting financial

"pay the tax liability due upon the vesting of 749 shares"

Vesting is the process by which you earn full ownership of something, like company stock or a retirement benefit, over time. It’s like earning the right to keep a gift piece by piece the longer you stay with a company, making sure employees stay committed before they receive all the benefits.

Disposition to issuer financial

"transaction_code_description":"Disposition to issuer""

tax liability financial

"shares surrendered by the reporting person to pay the tax liability due"

AI-generated analysis. How Rhea-AI works. Not financial advice.

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Form 4 Insider Transactions: What Each Field Means →

Accepted by SEC EDGAR 08/13/2025 - 05:27 PM Learn about SEC filing dates

FAQ

What insider transactions were reported for ACI Worldwide (ACIW) in this Form 4?

Ronald Craig Shultz270 and 541 shares at $44.39 per share. These are coded as dispositions to the issuer, not open-market sales.

How many ACI Worldwide (ACIW) shares does Ronald Craig Shultz hold after the reported transactions?

Following the August 11, 2025 dispositions, Ronald Craig Shultz directly holds 43,857 shares of ACI Worldwide common stock. This post-transaction holding figure is explicitly reported as his canonical direct position in the filing data and reflects the transactions disclosed.

What was the price per share for Ronald Craig Shultz’s ACIW share dispositions?

Both dispositions of ACI Worldwide common stock were reported at $44.39 per share. On August 11, 2025, Shultz returned 270 and 541 shares to the issuer at that price, as reflected in the Form 4’s non-derivative transaction rows.

Does the ACIW Form 4 indicate that shares were surrendered for tax on RSU vesting?

Form-level footnotes state that certain shares were surrendered to pay tax liabilities upon the vesting of 749 and 1,498 shares, each representing one-twelfth of restricted stock units granted on May 11, 2023. These notes provide tax-withholding context for the reported dispositions.

What is Ronald Craig Shultz’s role at ACI Worldwide (ACIW) in this Form 4?

Ronald Craig Shultz is identified as an officer of ACI Worldwide with the title GM, ACI Speedpay. The Form 4 clarifies he is not a director and not a ten percent owner, but an executive reporting issuer-related share dispositions.

How many total ACIW shares were disposed to the issuer in this Form 4?

Across the two reported transactions, Ronald Craig Shultz disposed a combined 811 shares of ACI Worldwide common stock to the issuer. This total reflects 270 shares in one disposition and 541 shares in the other, both on August 11, 2025.

SEC Form 4

FORM 4

UNITED STATES SECURITIES AND EXCHANGE COMMISSION
Washington, D.C. 20549

STATEMENT OF CHANGES IN BENEFICIAL OWNERSHIP

Filed pursuant to Section 16(a) of the Securities Exchange Act of 1934
or Section 30(h) of the Investment Company Act of 1940

OMB APPROVAL

OMB Number:			3235-0287
Estimated average burden
hours per response:			0.5

Check this box if no longer subject to Section 16. Form 4 or Form 5 obligations may continue. See Instruction 1(b).

Check this box to indicate that a transaction was made pursuant to a contract, instruction or written plan for the purchase or sale of equity securities of the issuer that is intended to satisfy the affirmative defense conditions of Rule 10b5-1(c). See Instruction 10.

1. Name and Address of Reporting Person^*

Shultz Ronald Craig

(Last) (First) (Middle)

6060 COVENTRY DRIVE

(Street)

ELKHORN NE 68022

(City) (State) (Zip)

2. Issuer Name and Ticker or Trading Symbol
ACI WORLDWIDE, INC. [ ACIW ]

5. Relationship of Reporting Person(s) to Issuer
(Check all applicable)

	Director		10% Owner
X	Officer (give title below)		Other (specify below)
	GM, ACI Speedpay

3. Date of Earliest Transaction (Month/Day/Year)
08/11/2025

4. If Amendment, Date of Original Filed (Month/Day/Year)

6. Individual or Joint/Group Filing (Check Applicable Line)

X	Form filed by One Reporting Person
	Form filed by More than One Reporting Person

Table I - Non-Derivative Securities Acquired, Disposed of, or Beneficially Owned
1. Title of Security (Instr. 3)	2. Transaction Date (Month/Day/Year)	2A. Deemed Execution Date, if any (Month/Day/Year)	3. Transaction Code (Instr. 8)		4. Securities Acquired (A) or Disposed Of (D) (Instr. 3, 4 and 5)			5. Amount of Securities Beneficially Owned Following Reported Transaction(s) (Instr. 3 and 4)	6. Ownership Form: Direct (D) or Indirect (I) (Instr. 4)	7. Nature of Indirect Beneficial Ownership (Instr. 4)
			Code	V	Amount	(A) or (D)	Price
Common Stock	08/11/2025		D		270(1)	D	$44.39	44,398	D
Common Stock	08/11/2025		D		541(2)	D	$44.39	43,857	D

Table II - Derivative Securities Acquired, Disposed of, or Beneficially Owned (e.g., puts, calls, warrants, options, convertible securities)
1. Title of Derivative Security (Instr. 3)	2. Conversion or Exercise Price of Derivative Security	3. Transaction Date (Month/Day/Year)	3A. Deemed Execution Date, if any (Month/Day/Year)	4. Transaction Code (Instr. 8)		5. Number of Derivative Securities Acquired (A) or Disposed of (D) (Instr. 3, 4 and 5)		6. Date Exercisable and Expiration Date (Month/Day/Year)		7. Title and Amount of Securities Underlying Derivative Security (Instr. 3 and 4)		8. Price of Derivative Security (Instr. 5)	9. Number of derivative Securities Beneficially Owned Following Reported Transaction(s) (Instr. 4)	10. Ownership Form: Direct (D) or Indirect (I) (Instr. 4)	11. Nature of Indirect Beneficial Ownership (Instr. 4)
				Code	V	(A)	(D)	Date Exercisable	Expiration Date	Title	Amount or Number of Shares

Explanation of Responses:

1. Represents shares surrendered by the reporting person to pay the tax liability due upon the vesting of 749 shares, representing one twelfth of the restricted stock units granted on May 11, 2023.

2. Represents shares surrendered by the reporting person to pay the tax liability due upon the vesting of 1,498 shares, representing one twelfth of the restricted stock units granted on May 11, 2023.

	Ronald Craig Shultz	08/13/2025
	** Signature of Reporting Person	Date
Reminder: Report on a separate line for each class of securities beneficially owned directly or indirectly.
* If the form is filed by more than one reporting person, see Instruction 4 (b)(v).
** Intentional misstatements or omissions of facts constitute Federal Criminal Violations See 18 U.S.C. 1001 and 15 U.S.C. 78ff(a).
Note: File three copies of this Form, one of which must be manually signed. If space is insufficient, see Instruction 6 for procedure.
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