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ACI Worldwide (ACIW) investor relations material
ACI Worldwide Q2 2025 earnings summary
Complete event summary combining all related documents: earnings call transcript, report, and slide presentation.Q2 2025 earnings summary7 Aug, 2025
Executive summary
Q2 2025 revenue increased 7% year-over-year to $401M, with recurring revenue up 13% and representing 80% of total revenue.
First half 2025 revenue rose 15% year-over-year to $796M; net income surged 207% to $71M, aided by a $22M after-tax gain on an equity sale.
Adjusted EBITDA for the first half grew 24% year-over-year to $175M.
Launched/continued rollout of Kinetic/Connetic, a next-generation cloud-native payments hub, driving interest in real-time and cross-border payments.
Recognized as one of CNBC's World's Top Fintech Companies and Time's America's Best Midsize Companies for 2025.
Financial highlights
Q2 net income was $12M, down from $31M in Q2 2024; adjusted EBITDA was $81M, down 13% year-over-year.
First half recurring revenue reached $607M, up 11% year-over-year and 76% of total revenue.
Adjusted diluted EPS for Q2 was $0.35, and $0.86 for the first half, both up year-over-year.
Cash flow from operations for the first half was $128M, down from $178M last year, mainly due to timing of receivables.
Gross margin for Q2 2025 was 41%, down from 46% year-over-year due to higher interchange and personnel costs.
Outlook and guidance
Full-year 2025 revenue guidance raised to $1.71B–$1.74B; adjusted EBITDA guidance increased to $490M–$505M.
Q3 2025 revenue expected at $460M–$470M; adjusted EBITDA at $155M–$165M.
Company targets upper single-digit revenue growth for 2025 and sustainable high single-digit growth long-term.
Management expects continued growth in SaaS/PaaS and international markets, with a focus on real-time payments and cloud adoption.
Backlog as of June 30, 2025, was $7.05B, up from $6.71B at year-end 2024, supporting future revenue visibility.
How do stablecoin unit economics compare to debit?
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Next ACI Worldwide earnings date
Q3 20256 Nov, 2025
Next ACI Worldwide earnings date
Q3 20256 Nov, 2025
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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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