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  4. [Form 4] ACI Worldwide, Inc. Insider Trading Activity

ACI Worldwide (ACIW) GM surrenders stock to issuer for RSU tax withholding

Filing Impact
(Neutral)
Filing Sentiment
(Neutral)
Form Type
4

Rhea-AI Filing Summary

ACI Worldwide, Inc. executive Erich J. Litch, GM, Payment Software, reported two dispositions to the issuer on September 4, 2025, surrendering 89 and 440 shares of common stock at $49.64 per share to satisfy tax liabilities arising from RSU vesting. Footnotes note vesting of 277 and 1,358 shares from grants on March 4, 2024 and 2025. After these transactions he directly holds 18,444 common shares.

Positive

  • None.

Negative

  • None.

Insights

TL;DR: Routine RSU tax-withholding share surrender by an officer; no indication of material governance concerns.

The Form 4 documents standard insider activity where vested restricted stock units triggered tax-withholding, satisfied by surrendering 1,635 shares at $49.64 each. The filing identifies the reporting person as an officer and director and is executed by an attorney-in-fact, which is a common administrative practice. There are no indications in the filing of unusual timing, large open-market dispositions, or changes in control. Impact to governance is neutral.

TL;DR: Compensation-related share surrender consistent with RSU vesting schedule; it reduces outstanding personal holdings modestly.

The explanation clarifies these were share surrenders to satisfy tax liabilities for scheduled vesting: 277 shares from a 2024 RSU grant and 1,358 shares from a 2025 RSU grant. The per-share price reported is $49.64. This is a routine mechanism under many equity compensation plans and does not reflect a discretionary sale for liquidity or diversification. The change in beneficial ownership is limited to the withheld shares and appears administrative rather than strategic.

Insider Litch Erich J
Role GM, Payment Software
Type Security Shares Price Value
Disposition Common Stock 89 $49.64 $4K
Disposition Common Stock 440 $49.64 $22K
Holdings After Transaction: Common Stock — 18,444 shares (Direct)
Footnotes (2)
  1. F1. Represents shares surrendered by the reporting person to pay the tax liability due upon the vesting of 277 shares, representing one twelfth of the restricted stock units granted on March 4, 2024
  2. F2. Represents shares surrendered by the reporting person to pay the tax liability due upon the vesting of 1,358 shares, representing one twelfth of the restricted stock units granted on March 4, 2025
Shares disposed (transaction 1) 89 shares Common Stock disposition to issuer on 2025-09-04
Shares disposed (transaction 2) 440 shares Second Common Stock disposition to issuer on 2025-09-04
Price per share $49.64 per share Per-share value used for both dispositions on 2025-09-04
Post-transaction holdings 18,444 shares Direct common stock holdings after reported transactions
RSU vesting from 2024 grant 277 shares Shares vesting (one twelfth) from RSUs granted March 4, 2024
RSU vesting from 2025 grant 1,358 shares Shares vesting (one twelfth) from RSUs granted March 4, 2025
Disposition to issuer financial
"transaction_code_description: "Disposition to issuer""
restricted stock units financial
"one twelfth of the restricted stock units granted on March 4, 2024"
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 277 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.
tax liability financial
"shares surrendered by the reporting person to pay the tax liability"
GM, Payment Software financial
"officer_title: "GM, Payment Software""

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

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FAQ

What insider transaction did ACIW executive Erich J. Litch report?
Erich J. Litch reported two dispositions to the issuer on September 4, 2025, surrendering 89 and 440 common shares at $49.64 per share. These shares were used to cover tax liabilities tied to restricted stock unit vesting rather than sold on the open market.

How many ACIW shares did Erich J. Litch surrender, and at what price?
Litch surrendered 89 shares and 440 shares of ACI Worldwide common stock, each at $49.64 per share. The transactions are coded as dispositions to the issuer, reflecting shares returned to the company for tax withholding purposes.

What is Erich J. Litch’s remaining ACIW common stock holding after these transactions?
After these dispositions, Erich J. Litch directly holds 18,444 shares of ACI Worldwide common stock. This post-transaction balance reflects his continuing equity stake as GM, Payment Software, following shares surrendered for RSU-related tax obligations.

How are restricted stock units involved in Erich J. Litch’s ACIW Form 4 filing?
Footnotes state that the surrendered shares relate to tax liabilities from RSU vesting, including vesting of 277 shares from March 4, 2024 grants and 1,358 shares from March 4, 2025 grants, each representing one-twelfth of those RSU awards.

Were Erich J. Litch’s ACIW transactions open-market sales of stock?
No. The Form 4 codes the actions as dispositions to the issuer, and footnotes explain the shares were surrendered to cover tax liabilities upon restricted stock unit vesting, not sold through brokerage transactions on the open market.
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*
Litch Erich J
(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, Payment Software
3. Date of Earliest Transaction (Month/Day/Year)
09/04/2025
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 09/04/2025 D 89(1) D $49.64 18,884 D
Common Stock 09/04/2025 D 440(2) D $49.64 18,444 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 277 shares, representing one twelfth of the restricted stock units granted on March 4, 2024
2. Represents shares surrendered by the reporting person to pay the tax liability due upon the vesting of 1,358 shares, representing one twelfth of the restricted stock units granted on March 4, 2025
By: Dennis Byrnes, Attorney in Fact For: Erich J Litch 09/08/2025
** 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.
Persons who respond to the collection of information contained in this form are not required to respond unless the form displays a currently valid OMB Number.

Source: View Original Filing on SEC EDGAR