ACI Worldwide
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ACI Worldwide (ACIW) investor relations material

ACI Worldwide Q4 2025 earnings summary

Complete event summary combining all related documents: earnings call transcript, report, and slide presentation.
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Q4 2025 earnings summary26 Feb, 2026

Executive summary

  • Achieved double-digit revenue growth in 2025, with total revenue of $1.76 billion, up 10% year-over-year, and recurring revenue of $1.21 billion, up 11% year-over-year.

  • Adjusted EBITDA rose 9% to $507 million, with margin expanding to 42%.

  • Returned $203 million to shareholders via share repurchases, reducing net leverage to 1.2x adjusted EBITDA.

  • Continued investment in AI-first initiatives, modernization of core platforms, and expansion of cloud-native payments hub, including Connetic and SpeedPay One.

  • Board refreshment with new appointments to strengthen governance and risk culture.

Financial highlights

  • Q4 2025 revenue was $482 million, up 6% year-over-year; recurring revenue grew 13% to $304 million.

  • Full-year recurring revenue reached $1.21 billion, up 11% year-over-year.

  • Net new ARR bookings increased 7% to $70.3 million; new license and services bookings were $255 million, down 12% due to timing.

  • Cash flow from operations was $323 million, compared to $359 million in 2024.

  • Diluted EPS adjusted for non-cash and significant transaction-related items was $2.83 for 2025.

Outlook and guidance

  • 2026 revenue guidance: $1.88–1.91 billion (7–9% growth, constant currency).

  • Adjusted EBITDA for 2026 projected at $530–550 million; Q1 at $88–93 million.

  • Q1 2026 revenue expected at $405–415 million.

  • Revenue expected to be H2-weighted (44% in H1, 56% in H2), reflecting seasonality and implementation schedules.

  • 50–60% of 2026 operating cash flow to be allocated to share repurchases.

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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.

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