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Edge16 Oct 2026
Winner, Winner: The Chicken McNugget Story
How a 1940s breeding contest, a Cornell food scientist, and a hedge by Ray Dalio helped McDonald's turn the Chicken McNugget into a fast-food icon.
ACI Worldwide
ACI Worldwide (ACIW) investor relations material
ACI Worldwide Q3 2026 earnings summary
Complete event summary combining all related documents: earnings call transcript, report, and slide presentation.Q3 2026 earnings summary5 Nov, 2026
Executive summary
Q3 revenue and adjusted EBITDA exceeded expectations; YoY declines reflected high-margin license renewals shifting into Q4.
Net new ARR bookings rose 86% YoY to $23.6M, with growth across Payment Software and Biller.
Strategic progress included ACI Connetic’s first customer go-live, additional wins, Cranium Ventures’ card-switching capabilities and continued Speedpay ONE adoption.
Financial highlights
Q3 revenue was $426.8M, down 12% YoY; recurring revenue rose 4% to $309.3M.
Q3 adjusted EBITDA was $97.5M, down 43%; net income was $32.5M versus $91.3M.
9M revenue was $1,283.0M versus $1,278.2M; recurring revenue rose 6% to $958.5M and adjusted EBITDA fell 15% to $293.5M.
9M net income was $102.6M versus $162.3M; 2025 included a $21.7M after-tax gain on the Mindgate minority-interest sale.
Q3 operating cash flow was $119M, up 63%; 9M operating cash flow rose 26% to $254.1M from $201.1M.
Outlook and guidance
FY26 revenue guidance remained $1.895B–$1.925B; adjusted EBITDA guidance rose to $550M–$565M from $545M–$560M.
Q4 guidance is revenue of $612M–$642M and adjusted EBITDA of $257M–$272M.
Both segments are expected to deliver upper-single-digit FY26 revenue growth; Q4 renewals are expected to drive the strongest Payment Software growth and significant YoY growth in revenue, EBITDA and margin.
More than 95% of FY26 revenue outlook is signed, contracted or tied to license contracts renewing before year-end; FY new ARR and license and services bookings are expected to grow.
2027 guidance was deferred to the February year-end call.
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Latest events from ACI Worldwide
- FY03 profitability and liquidity improved, while open-systems growth faced legal and execution risks.ACIW
Q4 2003 - FY04 growth and cash generation strengthened results, with a one-time tax benefit lifting earnings.ACIWQ4 2004
- Revenue grew 11.1%, but costs, a settlement and reporting risks weighed on the year.ACIWQ4 2006
- Revenue and operating income grew, but net income fell as tax expense rose.ACIWQ4 2005
- Backlog grew, but earnings reversed sharply amid execution and control risks. }ACIWQ4 2007
- Revenue and operating income rebounded, but recession risks and a material control weakness cloud the outlook.ACIWQ4 2008
- Operating income nearly doubled as costs fell, while backlog rose to $1.517B.ACIWQ4 2009
- Revenue and operating income grew as recurring sales and backlog expanded; financing and migration risks remained.ACIWQ4 2010
- Record 2011 growth and the $565m S1 deal set the stage for a $700m 2012 revenue outlook.ACIWQ4 2011
Next ACI Worldwide earnings date
Q4 202625 Feb, 2027
ACI Worldwide
Next ACI Worldwide earnings date
Q4 202625 Feb, 2027
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Frequently asked questions
ACI Worldwide Inc develops electronic payment software and solutions for banks, merchants, and billers. The company offers payment processing, fraud prevention, and real-time transaction services for digital and traditional payment channels. It operates globally across the financial services ecosystem. The company is headquartered in Coral Gables, Florida, and its shares are listed on the NASDAQ.