ACI Worldwide
Provides software for bank processing, merchant acceptance, fraud control, and bill payments.
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Profile
Provides issuing, acquiring, real-time payment, merchant orchestration, fraud, and bill-payment software to banks, intermediaries, merchants, and billers. Revenue comes from licenses, cloud subscriptions, transaction-linked fees, maintenance, and implementation; bank and merchant products are global, while bill-payment products are sold only in the United States.
Develops payment software for banks, intermediaries, merchants, and billers through its Payment Software and Biller reportable segments. Payment Software spans ACI Issuing, ACI Acquiring, account-to-account real-time payments, ACI Connetic, the ACI Payments Orchestration Platform for merchants, and fraud management. Biller centers on Speedpay ONE for electronic bill presentment and payment across utilities, lending, insurance, healthcare, higher education, government, and telecommunications.
Earns revenue from term licenses and capacity fees, cloud subscriptions and transaction-linked platform fees, maintenance, and implementation services. Bank and merchant products are sold globally, while bill-payment products are limited to the United States. Its systems perform authentication, authorization, switching, settlement, fraud checking, and reconciliation for payments that run continuously. Operations depend on uninterrupted data-center and cloud infrastructure, payment-network rules, banking oversight, and money-transmitter licensing.
Company facts
Categories
Key statistics
Year to date +17.9% · Average volume (30d) 974.0K
Analysts
Ratings
Target range
Latest analyst notes
| Date | Firm | Action | Prior rating | Rating | Prior target | Target |
|---|---|---|---|---|---|---|
| Aug 7, 2026 | DA Davidson | Reiterate | Buy | $64 | $66 | |
| Jul 15, 2026 | DA Davidson | Reiterate | Buy | $60 | $64 | |
| Jan 14, 2026 | Seaport Global | Reiterate | Buy | $77 | $70 | |
| Jul 17, 2025 | Stephens & Co. | Upgrade | Equal Weight | Overweight | ||
| May 12, 2025 | DA Davidson | Upgrade | Neutral | Buy |
Earnings
EPS
Revenue
History
| Report date | EPS est | EPS | Surprise | Revenue est | Revenue | Surprise | Next session |
|---|---|---|---|---|---|---|---|
| Aug 6, 2026Q2 FY26 | $0.30 | $0.31 | +5.1% | $430.6M | $430.4M | 0.0% | −4.45% |
| May 7, 2026Q1 FY26 | $0.29 | $0.48 | +65.5% | $410.1M | $425.7M | +3.8% | −2.44% |
| Feb 26, 2026Q4 FY25 | $0.80 | $0.63 | −21.3% | $464.6M | $481.6M | +3.6% | −0.30% |
| Nov 6, 2025Q3 FY25 | $0.99 | $1.09 | +10.1% | $465.2M | $482.4M | +3.7% | −3.30% |
Financial highlights
| 12 quarters | Q1 FY25 | Q2 FY25 | Q3 FY25 | Q4 FY25 | Q1 FY26 | Q2 FY26 | |
|---|---|---|---|---|---|---|---|
| Revenue | $394.6M | $401.3M | $482.4M | $481.6M | $425.7M | $430.4M | |
| Gross profit | $181.2M | $166.5M | $259.2M | $255.3M | $197.3M | $181.6M | |
| Operating income | $58.5M | $34.9M | $127.7M | $108.8M | $57.5M | $44.6M | |
| Net income | $58.9M | $12.2M | $91.3M | $64.3M | $38.3M | $31.8M | |
| Diluted EPS | $0.55 | $0.12 | $0.88 | $0.62 | $0.37 | $0.31 | |
| Gross margin | 45.9% | 41.5% | 53.7% | 53.0% | 46.3% | 42.2% | |
| Operating margin | 14.8% | 8.7% | 26.5% | 22.6% | 13.5% | 10.4% |
Fiscal years (4-quarter sums)FY21 $1.37B · FY22 $1.42B · FY23 $1.45B · FY24 $1.59B · FY25 $1.76B
Revenue by product · Q2 FY26
Revenue by geography · Q2 FY26
Balance sheet, Jun 30, 2026Cash & short-term investments $167.4M · Total debt $849.5M · Total assets $3.10B · Shareholders' equity $1.50B
Dividends
No dividends on record.
Ownership
A 13F quarter can total more than the shares outstanding — sub-advisers file the same block twice, and a filer's own share count can be a quarter stale. No split is drawn from it.
Shares outstanding 101.66M · Float 100.33M · 98.7% free float
Top shareholders13F · 13D/G · Form 4
| Holder | Shares | % outstanding | Form | Filed |
|---|---|---|---|---|
| BlackRock, Inc. | 16.38M | 16.11% | 13F | Aug 7, 2026 |
| Vanguard Portfolio Management LLC | 8.11M | 7.98% | 13F | Aug 13, 2026 |
| Franklin Resources Inc | 6.70M | 6.59% | 13F | Aug 13, 2026 |
| FMR LLC | 6.55M | 6.44% | 13F | Aug 13, 2026 |
| Vanguard Capital Management LLC | 4.59M | 4.51% | 13F | Aug 13, 2026 |
Insider tradesForm 4
| Date | Insider | Role | Shares | Avg price |
|---|---|---|---|---|
| Mar 2, 2026 | Adalio T. Sanchez | director | +3,000 | $40.98 |
| Mar 3, 2026 | Juan II Benitez | director | +2,400 | $41.90 |
| Nov 10, 2025 | Abraham Kuruvilla | officer: Chief Technology Officer | −4,210 | $47.69 |
Peers
- Fiserv
Head-to-head in card issuing, biller-direct payments, real-time rails, and fraud
- FIS
Direct rival in bank card switching, biller-direct EBPP, and fraud management
- Paymentus
Cloud-native EBPP SaaS for billers in utilities, telecom, and financial services
- Global Payments
Enterprise merchant acquirer with Worldpay eCommerce gateway since Jan 2026
- NCR Atleos
ATM switching platform and ATMaaS managed services in bank self-service
- Repay
Vertically-integrated bill payment processor expanding via KUBRA acquisition
CompareAfter-hours close
| Company | Price | Change | |||||
|---|---|---|---|---|---|---|---|
| ACI Worldwide | $53.67 | −0.33% | $5.47B | 24.7 | 20.6 | 3.0 | +7.3% |
| Fiserv | $53.30 | +0.24% | $28.36B | 10.2 | 7.2 | 1.4 | −10.0% |
| FIS | $41.31 | −0.33% | $21.42B | 6.3 | 6.5 | 1.7 | +29.1% |
| Paymentus | $36.10 | +0.38% | $4.52B | 54.5 | 36.8 | 3.3 | +28.8% |
| Global Payments | $91.82 | +0.02% | $22.79B | — | 6.2 | 2.2 | +61.5% |
| NCR Atleos | $46.26 | −0.02% | $3.41B | 18.1 | 9.7 | 0.8 | −0.1% |
| Repay | $3.74 | +0.13% | $329.4M | — | 4.0 | 1.0 | +33.2% |
| Median | 14.1 | 6.8 | 1.5 | +28.9% |