• Live Feeds
    • Press Releases
    • Insider Trading
    • FDA Approvals
    • Analyst Ratings
    • Insider Trading
    • SEC filings
    • Market insights
  • Analyst Ratings
  • Alerts
  • Subscriptions
  • AI Executive AssistantNEW
  • Settings
  • RSS Feeds
Quantisnow Logo
  • Live Feeds
    • Press Releases
    • Insider Trading
    • FDA Approvals
    • Analyst Ratings
    • Insider Trading
    • SEC filings
    • Market insights
  • Analyst Ratings
  • Alerts
  • Subscriptions
  • AI Executive AssistantNEW
  • Settings
  • RSS Feeds
PublishGo to AppAI Helper
    Quantisnow Logo

    © 2025 quantisnow.com
    Democratizing insights since 2022

    Services
    Live news feedsRSS FeedsAlertsPublish with Us
    Company
    AboutQuantisnow PlusContactJobsAI employees for your businessNEW
    Legal
    Terms of usePrivacy policyCookie policy

    ACI Worldwide, Inc. Reports Financial Results for the Quarter and Full Year Ended December 31, 2024

    2/27/25 6:00:00 AM ET
    $ACIW
    Computer Software: Prepackaged Software
    Technology
    Get the next $ACIW alert in real time by email

    2024 HIGHLIGHTS

    • Total revenue of $1.594 billion grew 10%
    • Net income of $203 million grew 67%
    • Total adjusted EBITDA of $466 million grew 18%
    • Cash flow from operating activities of $359 million grew 113%
    • Expect 7-9% revenue growth in 2025

    ACI Worldwide (NASDAQ:ACIW), an original innovator in global payments technology, announced financial results today for the quarter and full year ended December 31, 2024.

    "We are proud to have finished 2024 with stronger results than we expected across our key financial metrics, and that strength has continued as we start 2025. In 2024, we grew revenue 10%, increased adjusted EBITDA margin by more than 300 basis points to 41%, and more than doubled our cash flow to over $350 million," said Thomas Warsop, president and CEO of ACI Worldwide. "ACI is executing on the strategy we launched in 2024 to become the global leader in Intelligent Payments Orchestration."

    "Building on our momentum and track record of success, we are entering 2025 from a position of strength, both financially and operationally," Warsop added. "We are confident in our ability to continue driving strong financial performance and focused on increasing shareholder value."

    FINANCIAL SUMMARY

    Full-year 2024 total revenue was $1.594 billion, up 10% from 2023. Net income was $203 million in 2024, up 67% from 2023. Total adjusted EBITDA in 2024 was $466 million, up 18% from 2023. Cash flow from operating activities in 2024 was $359 million, up 113% compared to 2023.

    • Bank segment revenue increased 14% and Bank segment adjusted EBITDA increased 20% versus 2023.
    • Merchant segment revenue increased 10% and Merchant segment adjusted EBITDA increased 57% versus 2023.
    • Biller segment revenue increased 6% and Biller segment adjusted EBITDA decreased 8% versus 2023 due to certain one-time margin benefits that did not recur in 2024.

    ACI ended 2024 with $216 million in cash on hand and a debt balance of $933 million, which represents a net debt leverage ratio of 1.5x adjusted EBITDA. In 2024, the company repurchased approximately 3.9 million shares for $128 million in capital. At year end 2024 the company had $373 million remaining available on the share repurchase authorization.

    Q1 AND FULL-YEAR 2025 GUIDANCE

    For the full year of 2025, we expect revenue growth to be in the 7% to 9% range on a constant currency basis, or in the range of $1.685 billion to $1.715 billion. We expect adjusted EBITDA to be in the range of $480 million to $495 million. For Q1 2025, we expect revenue to be between $360 million and $370 million and adjusted EBITDA of $70 million to $80 million.

    CONFERENCE CALL TO DISCUSS FINANCIAL RESULTS

    Today, management will host a conference call at 8:30 a.m. ET to discuss these results. Interested persons may access a real-time audio broadcast of the teleconference at http://investor.aciworldwide.com/ or use the following number for dial-in participation: toll-free 1 (888) 660-6377 and conference code 3153574.

    About ACI Worldwide

    ACI Worldwide, an original innovator in global payments technology, delivers transformative software solutions that power intelligent payments orchestration in real time so banks, billers, and merchants can drive growth, while continuously modernizing their payment infrastructures, simply and securely. With nearly 50 years of trusted payments expertise, we combine our global footprint with a local presence to offer enhanced payment experiences to stay ahead of constantly changing payment challenges and opportunities.

    © Copyright ACI Worldwide, Inc. 2025

    ACI, ACI Worldwide, ACI Payments, Inc., ACI Pay, Speedpay and all ACI product/solution names are trademarks or registered trademarks of ACI Worldwide, Inc., or one of its subsidiaries, in the United States, other countries or both. Other parties' trademarks referenced are the property of their respective owners.

    To supplement our financial results presented on a GAAP basis, we use the non-GAAP measures indicated in the tables, which exclude significant transaction-related expenses, as well as other significant non-cash expenses such as depreciation, amortization, and stock-based compensation, that we believe are helpful in understanding our past financial performance and our future results. The presentation of these non-GAAP financial measures should be considered in addition to our GAAP results and are not intended to be considered in isolation or as a substitute for the financial information prepared and presented in accordance with GAAP. Management generally compensates for limitations in the use of non-GAAP financial measures by relying on comparable GAAP financial measures and providing investors with a reconciliation of non-GAAP financial measures only in addition to and in conjunction with results presented in accordance with GAAP.

    We believe that these non-GAAP financial measures reflect an additional way to view aspects of our operations that, when viewed with our GAAP results, provide a more complete understanding of factors and trends affecting our business. Certain non-GAAP measures include:

    • Adjusted EBITDA: net income (loss) plus income tax expense (benefit), net interest income (expense), net other income (expense), depreciation, amortization and stock-based compensation, as well as significant transaction-related expenses. Adjusted EBITDA should be considered in addition to, rather than as a substitute for, net income (loss).
    • Net Adjusted EBITDA Margin: Adjusted EBITDA divided by revenue net of pass-through interchange revenue. Net Adjusted EBITDA Margin should be considered in addition to, rather than as a substitute for, net income (loss).
    • Diluted EPS adjusted for non-cash and significant transaction related items: diluted EPS plus tax effected significant transaction related items, amortization of acquired intangibles and software, and non-cash stock-based compensation. Diluted EPS adjusted for non-cash and significant transaction related items should be considered in addition to, rather than as a substitute for, diluted EPS.
    • Recurring Revenue: revenue from software as a service and platform as a service fees and maintenance fees. Recurring revenue should be considered in addition to, rather than as a substitute for, total revenue.
    • ARR: New annual recurring revenue expected to be generated from new accounts, new applications, and add-on sales bookings contracts signed in the period.

    FORWARD-LOOKING STATEMENTS

    This press release contains forward-looking statements based on current expectations that involve a number of risks and uncertainties. Generally, forward-looking statements do not relate strictly to historical or current facts and may include words or phrases such as "believes," "will," "expects," "anticipates," "intends," and words and phrases of similar impact. The forward-looking statements are made pursuant to safe harbor provisions of the Private Securities Litigation Reform Act of 1995.

    Forward-looking statements in this press release include, but are not limited to: (i) our strength continuing as we start 2025, (ii) our execution on the strategy we launched in 2024 to become the global leader in Intelligent Payments Orchestration, (iii) building on our momentum and track record of success, we are entering 2025 from a position of strength, both financially and operationally, (iv) we are confident in our ability to continue driving strong financial performance and focused on increasing shareholder value, and (v) Q1 2025 and full-year 2025 revenue and adjusted EBITDA financial guidance.

    All of the foregoing forward-looking statements are expressly qualified by the risk factors discussed in our filings with the Securities and Exchange Commission. Such factors include, but are not limited to, increased competition, business interruptions, cybersecurity incidents or failure of our information technology and communication systems, security breaches, our ability to attract and retain senior management personnel and skilled technical employees, future acquisitions, strategic partnerships and investments, divestitures and other restructuring activities, implementation and success of our strategy, impact if we convert some or all on-premise licenses from fixed-term to subscription model, anti-takeover provisions, exposure to credit or operating risks arising from certain payment funding methods, loss caused by theft or fraud, customer reluctance to switch to a new vendor, our ability to adequately defend our intellectual property, litigation, consent orders and other compliance agreements, our offshore software development activities, risks from operating internationally, including fluctuations in currency exchange rates, events in eastern Europe and the Middle East, adverse changes in the global economy, compliance of our products with applicable legislation, governmental regulations and industry standards, the complexity of our products and services and the risk that they may contain hidden defects, legal and business risks from artificial intelligence technology incorporated into our products, risks to our business from the use of artificial intelligence by our workforce, complex regulations applicable to our payments business, our compliance with privacy and cybersecurity regulations, compliance with requirements of the payment card networks and Nacha, exposure to unknown tax liabilities, changes in tax laws and regulations, consolidations and failures in the financial services industry, volatility in our stock price, demand for our products, failure to obtain renewals of customer contracts or to obtain such renewals on favorable terms, delay or cancellation of customer projects or inaccurate project completion estimates, changes in card association and debit network fees or products, impairment of our goodwill or intangible assets, the accuracy of management's backlog estimates, the cyclical nature of our revenue and earnings and the accuracy of forecasts due to the concentration of revenue-generating activity during the final weeks of each quarter, restrictions and other financial covenants in our debt agreements, our existing levels of debt, incurring additional debt, events outside of our control including natural disasters, wars, and outbreaks of disease, and revenues or revenue mix below expectations. For a detailed discussion of these risk factors, parties that are relying on the forward-looking statements should review our filings with the Securities and Exchange Commission, including our most recently filed Annual Report on Form 10-K and our Quarterly Reports on Form 10-Q.

    ACI WORLDWIDE, INC. AND SUBSIDIARIES

    CONSOLIDATED BALANCE SHEETS

    (unaudited and in thousands)

     

    December 31,

     

    2024

     

    2023

    ASSETS

     

     

     

    Current assets

     

     

     

    Cash and cash equivalents

    $

    216,394

     

     

    $

    164,239

     

    Receivables, net of allowances

     

    414,399

     

     

     

    452,337

     

    Settlement assets

     

    318,871

     

     

     

    723,039

     

    Prepaid expenses

     

    29,218

     

     

     

    31,479

     

    Other current assets

     

    11,940

     

     

     

    35,551

     

    Total current assets

     

    990,822

     

     

     

    1,406,645

     

    Noncurrent assets

     

     

     

    Accrued receivables, net

     

    360,079

     

     

     

    313,983

     

    Property and equipment, net

     

    35,069

     

     

     

    37,856

     

    Operating lease right-of-use assets

     

    28,864

     

     

     

    34,338

     

    Software, net

     

    92,893

     

     

     

    108,418

     

    Goodwill

     

    1,226,026

     

     

     

    1,226,026

     

    Intangible assets, net

     

    165,377

     

     

     

    195,646

     

    Deferred income taxes, net

     

    72,713

     

     

     

    58,499

     

    Other noncurrent assets

     

    53,450

     

     

     

    63,328

     

    TOTAL ASSETS

    $

    3,025,293

     

     

    $

    3,444,739

     

    LIABILITIES AND STOCKHOLDERS' EQUITY

     

     

     

    Current liabilities

     

     

     

    Accounts payable

    $

    45,422

     

     

    $

    45,964

     

    Settlement liabilities

     

    317,484

     

     

     

    721,164

     

    Employee compensation

     

    55,567

     

     

     

    53,892

     

    Current portion of long-term debt

     

    34,928

     

     

     

    74,405

     

    Deferred revenue

     

    75,419

     

     

     

    59,580

     

    Other current liabilities

     

    73,808

     

     

     

    82,244

     

    Total current liabilities

     

    602,628

     

     

     

    1,037,249

     

    Noncurrent liabilities

     

     

     

    Deferred revenue

     

    19,304

     

     

     

    24,780

     

    Long-term debt

     

    889,649

     

     

     

    963,599

     

    Deferred income taxes, net

     

    39,920

     

     

     

    40,735

     

    Operating lease liabilities

     

    22,592

     

     

     

    29,074

     

    Other noncurrent liabilities

     

    26,873

     

     

     

    25,005

     

    Total liabilities

     

    1,600,966

     

     

     

    2,120,442

     

    Stockholders' equity

     

     

     

    Preferred stock

     

    —

     

     

     

    —

     

    Common stock

     

    702

     

     

     

    702

     

    Additional paid-in capital

     

    731,927

     

     

     

    712,994

     

    Retained earnings

     

    1,598,085

     

     

     

    1,394,967

     

    Treasury stock

     

    (784,914

    )

     

     

    (674,896

    )

    Accumulated other comprehensive loss

     

    (121,473

    )

     

     

    (109,470

    )

    Total stockholders' equity

     

    1,424,327

     

     

     

    1,324,297

     

    TOTAL LIABILITIES AND STOCKHOLDERS' EQUITY

    $

    3,025,293

     

     

    $

    3,444,739

     

    ACI WORLDWIDE, INC. AND SUBSIDIARIES

    CONSOLIDATED STATEMENTS OF OPERATIONS

    (unaudited and in thousands, except per share amounts)

     

    Three Months Ended

    December 31,

     

    Years Ended December 31,

     

    2024

     

    2023

     

    2024

     

    2023

    Revenues

     

     

     

     

     

     

     

    Software as a service and platform as a service

    $

    223,481

     

     

    $

    223,172

     

     

    $

    897,979

     

     

    $

    849,147

     

    License

     

    159,322

     

     

     

    178,543

     

     

     

    412,306

     

     

     

    321,224

     

    Maintenance

     

    46,717

     

     

     

    51,632

     

     

     

    190,763

     

     

     

    205,068

     

    Services

     

    23,518

     

     

     

    23,216

     

     

     

    93,240

     

     

     

    77,140

     

    Total revenues

     

    453,038

     

     

     

    476,563

     

     

     

    1,594,288

     

     

     

    1,452,579

     

    Operating expenses

     

     

     

     

     

     

     

    Cost of revenue (1)

     

    200,087

     

     

     

    181,689

     

     

     

    791,783

     

     

     

    719,211

     

    Research and development

     

    38,614

     

     

     

    34,636

     

     

     

    146,677

     

     

     

    140,758

     

    Selling and marketing

     

    34,360

     

     

     

    34,473

     

     

     

    118,352

     

     

     

    132,639

     

    General and administrative

     

    33,437

     

     

     

    24,515

     

     

     

    118,379

     

     

     

    117,190

     

    Depreciation and amortization

     

    24,252

     

     

     

    28,934

     

     

     

    110,962

     

     

     

    122,373

     

    Total operating expenses

     

    330,750

     

     

     

    304,247

     

     

     

    1,286,153

     

     

     

    1,232,171

     

    Operating income

     

    122,288

     

     

     

    172,316

     

     

     

    308,135

     

     

     

    220,408

     

    Other income (expense)

     

     

     

     

     

     

     

    Interest expense

     

    (16,634

    )

     

     

    (19,845

    )

     

     

    (72,471

    )

     

     

    (78,486

    )

    Interest income

     

    4,093

     

     

     

    3,757

     

     

     

    15,926

     

     

     

    14,215

     

    Other, net

     

    511

     

     

     

    (2,107

    )

     

     

    (1,181

    )

     

     

    (8,510

    )

    Total other income (expense)

     

    (12,030

    )

     

     

    (18,195

    )

     

     

    (57,726

    )

     

     

    (72,781

    )

    Income before income taxes

     

    110,258

     

     

     

    154,121

     

     

     

    250,409

     

     

     

    147,627

     

    Income tax expense

     

    11,703

     

     

     

    31,505

     

     

     

    47,291

     

     

     

    26,118

     

    Net income

    $

    98,555

     

     

    $

    122,616

     

     

    $

    203,118

     

     

    $

    121,509

     

    Income per common share

     

     

     

     

     

     

     

    Basic

    $

    0.94

     

     

    $

    1.13

     

     

    $

    1.93

     

     

    $

    1.12

     

    Diluted

    $

    0.93

     

     

    $

    1.12

     

     

    $

    1.91

     

     

    $

    1.12

     

    Weighted average common shares outstanding

     

     

     

     

     

     

     

    Basic

     

    105,104

     

     

     

    108,703

     

     

     

    105,491

     

     

     

    108,497

     

    Diluted

     

    106,318

     

     

     

    109,147

     

     

     

    106,493

     

     

     

    108,857

     

    (1) The cost of revenue excludes charges for depreciation and amortization.

    ACI WORLDWIDE, INC. AND SUBSIDIARIES

    CONSOLIDATED STATEMENTS OF CASH FLOWS

    (unaudited and in thousands)

     

    Three Months Ended December 31,

     

    Years Ended

    December 31,

     

    2024

     

    2023

     

    2024

     

    2023

    Cash flows from operating activities:

     

     

     

     

     

     

     

    Net income

    $

    98,555

     

     

    $

    122,616

     

     

    $

    203,118

     

     

    $

    121,509

     

    Adjustments to reconcile net income to net cash flows from operating activities:

     

     

     

     

     

     

     

    Depreciation

     

    3,162

     

     

     

    5,017

     

     

     

    18,161

     

     

     

    23,739

     

    Amortization

     

    21,090

     

     

     

    23,918

     

     

     

    92,801

     

     

     

    98,634

     

    Amortization of operating lease right-of-use assets

     

    2,369

     

     

     

    2,430

     

     

     

    9,706

     

     

     

    11,620

     

    Amortization of deferred debt issuance costs

     

    655

     

     

     

    908

     

     

     

    2,912

     

     

     

    4,323

     

    Deferred income taxes

     

    (10,901

    )

     

     

    21,122

     

     

     

    (13,130

    )

     

     

    (4,085

    )

    Stock-based compensation expense

     

    11,116

     

     

     

    7,010

     

     

     

    41,281

     

     

     

    24,547

     

    Other

     

    1,740

     

     

     

    (247

    )

     

     

    1,920

     

     

     

    1,921

     

    Changes in operating assets and liabilities, net of impact of divestiture:

     

     

     

     

     

     

     

    Receivables

     

    (27,282

    )

     

     

    (105,010

    )

     

     

    (23,583

    )

     

     

    (62,998

    )

    Accounts payable

     

    (1,026

    )

     

     

    3,423

     

     

     

    (268

    )

     

     

    (3,775

    )

    Accrued employee compensation

     

    14,012

     

     

     

    11,025

     

     

     

    2,887

     

     

     

    8,146

     

    Deferred revenue

     

    10,002

     

     

     

    (1,699

    )

     

     

    11,886

     

     

     

    2,705

     

    Other current and noncurrent assets and liabilities

     

    2,990

     

     

     

    (4,770

    )

     

     

    11,057

     

     

     

    (57,769

    )

    Net cash flows from operating activities

     

    126,482

     

     

     

    85,743

     

     

     

    358,748

     

     

     

    168,517

     

    Cash flows from investing activities:

     

     

     

     

     

     

     

    Purchases of property and equipment

     

    (6,939

    )

     

     

    (968

    )

     

     

    (15,402

    )

     

     

    (8,924

    )

    Purchases of software and distribution rights

     

    (6,471

    )

     

     

    (6,282

    )

     

     

    (29,649

    )

     

     

    (28,853

    )

    Net cash flows from investing activities

     

    (13,410

    )

     

     

    (7,250

    )

     

     

    (45,051

    )

     

     

    (37,777

    )

    Cash flows from financing activities:

     

     

     

     

     

     

     

    Proceeds from issuance of common stock

     

    789

     

     

     

    697

     

     

     

    2,918

     

     

     

    2,819

     

    Proceeds from exercises of stock options

     

    4,375

     

     

     

    3,594

     

     

     

    6,329

     

     

     

    6,726

     

    Repurchase of stock-based compensation awards for tax withholdings

     

    (3,812

    )

     

     

    (946

    )

     

     

    (13,111

    )

     

     

    (5,149

    )

    Repurchases of common stock

     

    —

     

     

     

    (27,587

    )

     

     

    (127,670

    )

     

     

    (27,587

    )

    Proceeds from revolving credit facility

     

    —

     

     

     

    59,000

     

     

     

    184,000

     

     

     

    134,000

     

    Repayment of revolving credit facility

     

    (61,000

    )

     

     

    (64,000

    )

     

     

    (238,000

    )

     

     

    (115,000

    )

    Proceeds from term portion of credit agreement

     

    —

     

     

     

    —

     

     

     

    500,000

     

     

     

    —

     

    Repayment of term portion of credit agreement

     

    (9,375

    )

     

     

    (19,475

    )

     

     

    (557,198

    )

     

     

    (73,031

    )

    Payments on or proceeds from other debt, net

     

    (5,555

    )

     

     

    (4,293

    )

     

     

    (14,854

    )

     

     

    (16,766

    )

    Payments for debt issuance costs

     

    —

     

     

     

    —

     

     

     

    (5,141

    )

     

     

    (2,160

    )

    Net decrease in settlement assets and liabilities

     

    (43,174

    )

     

     

    (10,769

    )

     

     

    (25,470

    )

     

     

    (15,404

    )

    Net cash flows from financing activities

     

    (117,752

    )

     

     

    (63,779

    )

     

     

    (288,197

    )

     

     

    (111,552

    )

    Effect of exchange rate fluctuations on cash

     

    1,028

     

     

     

    573

     

     

     

    697

     

     

     

    4,961

     

    Net increase (decrease) in cash and cash equivalents

     

    (3,652

    )

     

     

    15,287

     

     

     

    26,197

     

     

     

    24,149

     

    Cash and cash equivalents, including settlement deposits, beginning of period

     

    268,670

     

     

     

    223,534

     

     

     

    238,821

     

     

     

    214,672

     

    Cash and cash equivalents, including settlement deposits, end of period

    $

    265,018

     

     

    $

    238,821

     

     

    $

    265,018

     

     

    $

    238,821

     

    Reconciliation of cash and cash equivalents to the Consolidated Balance Sheets

     

     

     

     

     

     

     

    Cash and cash equivalents

    $

    216,394

     

     

    $

    164,239

     

     

    $

    216,394

     

     

    $

    164,239

     

    Settlement deposits

     

    48,624

     

     

     

    74,582

     

     

     

    48,624

     

     

     

    74,582

     

    Total cash and cash equivalents

    $

    265,018

     

     

    $

    238,821

     

     

    $

    265,018

     

     

    $

    238,821

     

    Adjusted EBITDA (millions)

    Three Months Ended

    December 31,

     

    Years Ended

    December 31,

     

    2024

     

    2023

     

    2024

     

    2023

    Net income

    $

    98.6

     

     

    $

    122.6

     

     

    $

    203.1

     

     

    $

    121.5

     

    Plus:

     

     

     

     

     

     

     

    Income tax expense

     

    11.7

     

     

     

    31.5

     

     

     

    47.3

     

     

     

    26.1

     

    Net interest expense

     

    12.5

     

     

     

    16.1

     

     

     

    56.5

     

     

     

    64.3

     

    Net other (income) expense

     

    (0.5

    )

     

     

    2.1

     

     

     

    1.2

     

     

     

    8.5

     

    Depreciation expense

     

    3.2

     

     

     

    5.0

     

     

     

    18.2

     

     

     

    23.7

     

    Amortization expense

     

    21.1

     

     

     

    23.9

     

     

     

    92.8

     

     

     

    98.6

     

    Non-cash stock-based compensation expense

     

    11.1

     

     

     

    7.0

     

     

     

    41.3

     

     

     

    24.5

     

    Adjusted EBITDA before significant transaction-related expenses

    $

    157.7

     

     

    $

    208.2

     

     

    $

    460.4

     

     

    $

    367.2

     

    Significant transaction-related expenses:

     

     

     

     

     

     

     

    Cost reduction strategies

     

    —

     

     

     

    1.3

     

     

     

    4.3

     

     

     

    21.0

     

    European datacenter migration

     

    —

     

     

     

    0.2

     

     

     

    —

     

     

     

    2.8

     

    Other

     

    —

     

     

     

    —

     

     

     

    1.0

     

     

     

    4.4

     

    Adjusted EBITDA

    $

    157.7

     

     

    $

    209.7

     

     

    $

    465.7

     

     

    $

    395.4

     

    Revenue, net of interchange:

     

     

     

     

     

     

     

    Revenue

    $

    453.0

     

     

    $

    476.6

     

     

    $

    1,594.3

     

     

    $

    1,452.6

     

    Interchange

     

    115.7

     

     

     

    106.1

     

     

     

    469.4

     

     

     

    421.1

     

    Revenue, net of interchange

    $

    337.3

     

     

    $

    370.5

     

     

    $

    1,124.9

     

     

    $

    1,031.5

     

     

     

     

     

     

     

     

     

    Net adjusted EBITDA Margin

     

    47

    %

     

     

    57

    %

     

     

    41

    %

     

     

    38

    %

    Segment Information (millions)

    Three Months Ended

    December 31,

     

    Years Ended

    December 31,

     

    2024

     

    2023

     

    2024

     

    2023

    Revenue

     

     

     

     

     

     

     

    Banks

    $

    230.8

     

    $

    254.9

     

    $

    701.9

     

    $

    616.1

    Merchants

     

    42.0

     

     

    43.0

     

     

    165.9

     

     

    150.6

    Billers

     

    180.2

     

     

    178.7

     

     

    726.5

     

     

    685.9

    Total

    $

    453.0

     

    $

    476.6

     

    $

    1,594.3

     

    $

    1,452.6

    Recurring revenue

     

     

     

     

     

     

     

    Banks

    $

    54.7

     

    $

    58.2

     

    $

    221.8

     

    $

    229.4

    Merchants

     

    35.3

     

     

    37.9

     

     

    140.4

     

     

    138.9

    Billers

     

    180.2

     

     

    178.7

     

     

    726.5

     

     

    685.9

    Total

    $

    270.2

     

    $

    274.8

     

    $

    1,088.7

     

    $

    1,054.2

    Segment adjusted EBITDA

     

     

     

     

     

     

     

    Banks

    $

    150.7

     

    $

    188.2

     

    $

    425.5

     

    $

    355.5

    Merchants

     

    16.8

     

     

    17.5

     

     

    69.5

     

     

    44.3

    Billers

     

    32.1

     

     

    42.2

     

     

    131.2

     

     

    142.3

    Note: Amounts may not recalculate due to rounding.

    EPS Impact of Non-cash and Significant Transaction-related Items (millions)

    Three Months Ended December 31,

     

    2024

     

    2023

     

    EPS Impact

     

    $ in Millions

    (Net of Tax)

     

    EPS Impact

     

    $ in Millions

    (Net of Tax)

    GAAP net income

    $

    0.93

     

    $

    98.6

     

    $

    1.12

     

    $

    122.6

    Adjusted for:

     

     

     

     

     

     

     

    Significant transaction-related expenses

     

    —

     

     

    —

     

     

    0.01

     

     

    1.1

    Amortization of acquisition-related intangibles

     

    0.04

     

     

    4.5

     

     

    0.06

     

     

    6.4

    Amortization of acquisition-related software

     

    0.03

     

     

    3.3

     

     

    0.03

     

     

    3.5

    Non-cash stock-based compensation

     

    0.08

     

     

    8.8

     

     

    0.05

     

     

    5.3

    Total adjustments

    $

    0.15

     

    $

    16.6

     

    $

    0.15

     

    $

    16.3

    Diluted EPS adjusted for non-cash and significant transaction-related items

    $

    1.08

     

    $

    115.2

     

    $

    1.27

     

    $

    138.9

    EPS Impact of Non-cash and Significant Transaction-related Items (millions)

    Years Ended December 31,

     

    2024

     

    2023

     

    EPS Impact

     

    $ in Millions

    (Net of Tax)

     

    EPS Impact

     

    $ in Millions

    (Net of Tax)

    GAAP net income

    $

    1.91

     

    $

    203.1

     

    $

    1.12

     

    $

    121.5

    Adjusted for:

     

     

     

     

     

     

     

    Significant transaction-related expenses

     

    0.07

     

     

    7.4

     

     

    0.19

     

     

    21.1

    Amortization of acquisition-related intangibles

     

    0.22

     

     

    23.3

     

     

    0.24

     

     

    25.7

    Amortization of acquisition-related software

     

    0.13

     

     

    13.8

     

     

    0.14

     

     

    15.5

    Non-cash stock-based compensation

     

    0.31

     

     

    32.6

     

     

    0.17

     

     

    18.7

    Total adjustments

    $

    0.73

     

    $

    77.1

     

    $

    0.74

     

    $

    81.0

    Diluted EPS adjusted for non-cash and significant transaction-related items

    $

    2.64

     

    $

    280.2

     

    $

    1.86

     

    $

    202.5

    Recurring Revenue (millions)

    Three Months Ended

    December 31,

     

    Years Ended

    December 31,

     

    2024

     

    2023

     

    2024

     

    2023

    SaaS and PaaS fees

    $

    223.5

     

    $

    223.2

     

    $

    898.0

     

    $

    849.1

    Maintenance fees

     

    46.7

     

     

    51.6

     

     

    190.8

     

     

    205.1

    Recurring revenue

    $

    270.2

     

    $

    274.8

     

    $

    1,088.7

     

    $

    1,054.2

    New Bookings (millions)

    Three Months Ended

    December 31,

     

    Years Ended

    December 31,

     

    2024

     

    2023

     

    2024

     

    2023

    Annual recurring revenue (ARR) bookings

    $

    35.2

     

    $

    28.8

     

    $

    65.7

     

    $

    73.5

    License and services bookings

     

    115.1

     

     

    106.5

     

     

    290.0

     

     

    239.2

    Note: Amounts may not recalculate due to rounding.

    View source version on businesswire.com: https://www.businesswire.com/news/home/20250227238651/en/

    For more information contact:

    Investor Relations

    John Kraft

    SVP, Head of Strategy and Finance

    305-894-2223 / [email protected]

    Get the next $ACIW alert in real time by email

    Crush Q3 2025 with the Best AI Executive Assistant

    Stay ahead of the competition with Tailforce.ai - your AI-powered business intelligence partner.

    AI-Powered Inbox
    Context-aware email replies
    Strategic Decision Support
    Get Started with Tailforce.ai

    Recent Analyst Ratings for
    $ACIW

    DatePrice TargetRatingAnalyst
    5/12/2025$60.00Neutral → Buy
    DA Davidson
    11/8/2024$57.00 → $60.00Buy → Neutral
    DA Davidson
    10/18/2024Overweight → Equal-Weight
    Stephens
    3/8/2024$38.00Buy
    Jefferies
    11/21/2023$31.00Buy
    Seaport Research Partners
    11/2/2022Buy → Hold
    Needham
    7/15/2022$31.00Overweight
    Stephens
    More analyst ratings

    $ACIW
    SEC Filings

    See more
    • ACI Worldwide Inc. filed SEC Form 8-K: Entry into a Material Definitive Agreement, Creation of a Direct Financial Obligation

      8-K - ACI WORLDWIDE, INC. (0000935036) (Filer)

      6/20/25 9:15:14 AM ET
      $ACIW
      Computer Software: Prepackaged Software
      Technology
    • SEC Form 144 filed by ACI Worldwide Inc.

      144 - ACI WORLDWIDE, INC. (0000935036) (Subject)

      6/18/25 5:17:38 PM ET
      $ACIW
      Computer Software: Prepackaged Software
      Technology
    • SEC Form 8-K filed by ACI Worldwide Inc.

      8-K - ACI WORLDWIDE, INC. (0000935036) (Filer)

      6/9/25 4:05:23 PM ET
      $ACIW
      Computer Software: Prepackaged Software
      Technology

    $ACIW
    Press Releases

    Fastest customizable press release news feed in the world

    See more
    • ACI Worldwide and iNet Extend Partnership to Bolster Fintech Growth in Saudi Arabia

      ACI's RPS for Postilion to power iNet's omnichannel POS infrastructure ACI Worldwide (NASDAQ:ACIW), an original innovator in global payments technology, today announced that iNet, the first independent Saudi Central Bank-licensed Network Service Provider (NSP), has joined ACI's Retail Payment Solutions (RPS) for Postilion program to support the Kingdom's rapidly growing fintech sector. Under this partnership, iNet will deploy and manage a Point of Sale (POS) infrastructure using ACI Postilion, an acquiring platform that enables banks, fintechs and merchants to deliver fast and seamless omnichannel transaction processing while staying compliant with evolving regulatory standards. This pre

      7/1/25 2:00:00 AM ET
      $ACIW
      Computer Software: Prepackaged Software
      Technology
    • ACI Worldwide's Craig Ramsey to Serve on U.S. Faster Payments Council's Board of Directors

      ACI Worldwide (NASDAQ:ACIW), an original innovator in global payments technology, today announced that the U.S. Faster Payments Council's (FPC) membership has elected Craig Ramsey, Head of Real-Time and Account-to-Account Payments, to serve on the FPC's Board of Directors. The FPC is an industry-led organization committed to advancing safer, faster payments in the United States. As a representative of the Technology Providers segment, Ramsey will serve a three-year term beginning July 1. He previously served as a member of the FPC Board Advisory Group, which advises the FPC Board of Directors and FPC staff, and has presented at member meetings across the United States. Ramsey also chairs

      6/25/25 7:00:00 AM ET
      $ACIW
      Computer Software: Prepackaged Software
      Technology
    • ACI Worldwide Expands Technology Partnership Ecosystem to Power ACI Connetic

      ACI's unified cloud-based payments platform to boost operational resiliency and support increasing non-functional requirements of modern payment systems ACI Worldwide (NASDAQ:ACIW), an original innovator in global payments technology, has expanded its global technology partnership ecosystem to help financial institutions across the globe increase operational resiliency and address evolving regulatory requirements to safeguard the stability of the financial system. Building on strategic partnerships with Microsoft, Red Hat and IBM, ACI is collaborating with MongoDB, a document-oriented NoSQL database, and open source technology NATS from Synadia Communications for the reference architect

      6/24/25 1:00:00 AM ET
      $ACIW
      Computer Software: Prepackaged Software
      Technology

    $ACIW
    Analyst Ratings

    Analyst ratings in real time. Analyst ratings have a very high impact on the underlying stock. See them live in this feed.

    See more
    • ACI Worldwide upgraded by DA Davidson with a new price target

      DA Davidson upgraded ACI Worldwide from Neutral to Buy and set a new price target of $60.00

      5/12/25 8:15:47 AM ET
      $ACIW
      Computer Software: Prepackaged Software
      Technology
    • ACI Worldwide downgraded by DA Davidson with a new price target

      DA Davidson downgraded ACI Worldwide from Buy to Neutral and set a new price target of $60.00 from $57.00 previously

      11/8/24 7:31:45 AM ET
      $ACIW
      Computer Software: Prepackaged Software
      Technology
    • ACI Worldwide downgraded by Stephens

      Stephens downgraded ACI Worldwide from Overweight to Equal-Weight

      10/18/24 8:03:10 AM ET
      $ACIW
      Computer Software: Prepackaged Software
      Technology

    $ACIW
    Insider Purchases

    Insider purchases reveal critical bullish sentiment about the company from key stakeholders. See them live in this feed.

    See more
    • Director, President and CEO Warsop Thomas W Iii bought $242,847 worth of shares (5,000 units at $48.57), increasing direct ownership by 2% to 326,922 units (SEC Form 4)

      4 - ACI WORLDWIDE, INC. (0000935036) (Issuer)

      5/12/25 12:01:18 PM ET
      $ACIW
      Computer Software: Prepackaged Software
      Technology

    $ACIW
    Insider Trading

    Insider transactions reveal critical sentiment about the company from key stakeholders. See them live in this feed.

    See more
    • Director Estep Janet O sold $200,970 worth of shares (4,500 units at $44.66), decreasing direct ownership by 5% to 77,631 units (SEC Form 4)

      4 - ACI WORLDWIDE, INC. (0000935036) (Issuer)

      6/23/25 6:40:16 AM ET
      $ACIW
      Computer Software: Prepackaged Software
      Technology
    • Director Harman Mary P sold $341,535 worth of shares (7,194 units at $47.48), decreasing direct ownership by 17% to 34,388 units (SEC Form 4)

      4 - ACI WORLDWIDE, INC. (0000935036) (Issuer)

      6/12/25 4:49:52 PM ET
      $ACIW
      Computer Software: Prepackaged Software
      Technology
    • Chief Financial Officer Behrens Scott W returned $134,452 worth of shares to the company (2,884 units at $46.62), decreasing direct ownership by 0.54% to 534,438 units (SEC Form 4)

      4 - ACI WORLDWIDE, INC. (0000935036) (Issuer)

      6/6/25 6:42:11 PM ET
      $ACIW
      Computer Software: Prepackaged Software
      Technology

    $ACIW
    Leadership Updates

    Live Leadership Updates

    See more
    • ACI Worldwide Appoints Robert Leibrock as Chief Financial Officer

      Leibrock Brings Over 20 Years of Business and Finance Leadership Expertise Company Reaffirms 2025 Financial Guidance ACI Worldwide (NASDAQ:ACIW), an original innovator in global payments technology, today announced the appointment of Robert ("Bobby") Leibrock as Chief Financial Officer (CFO), effective July 1, 2025. Mr. Leibrock succeeds Scott Behrens, who is retiring following an exemplary career spanning nearly two decades at ACI. Mr. Leibrock joins ACI from Red Hat, Inc., where he currently serves as Senior Vice President, Chief Operating Officer and CFO. Red Hat is the open hybrid cloud technology leader, supporting transformative IT innovation and AI applications. At Red Hat, Mr.

      6/9/25 6:00:00 AM ET
      $ACIW
      Computer Software: Prepackaged Software
      Technology
    • Amerant Bancorp Announces the Appointment of Two New Board Members

      Amerant Bancorp Inc. (NYSE:AMTB) ("Amerant" or the "Company") and its subsidiary, Amerant Bank, announced the appointment of Lisa Lutoff-Perlo and Odilon Almeida Júnior to its Board of Directors. "I am pleased to welcome Lisa and Odilon to our Board of Directors. Both are well respected, locally based leaders with strong community ties and significant C-suite and public company board experience," said Jerry Plush, Chairman and CEO of Amerant Bancorp. "The expertise, connections and strategic vision of these two exceptional individuals will play a key role in guiding Amerant towards continued growth and success." Lisa Lutoff-Perlo is a South Florida trailblazer in the global hospitality

      1/22/25 9:00:00 AM ET
      $ACIW
      $AMTB
      $AN
      $NATL
      Computer Software: Prepackaged Software
      Technology
      Major Banks
      Finance
    • ACI Worldwide Announces Appointment of Philip Bruno as Chief Strategy and Growth Officer

      ACI Worldwide (NASDAQ:ACIW), an original innovator in global payments technology, today announced the appointment of Philip Bruno as chief strategy and growth officer. "ACI is executing on the strategy we launched in 2024 to become the global leader in Intelligent Payments Orchestration," said Thomas Warsop, president and CEO of ACI Worldwide. "The addition of Phil to our already strong executive leadership team is critical to further enhancing our corporate strategy and increasing our growth opportunities. He brings the strong vision and business expertise necessary to build the foundation for sustained growth and deliver on our commitments to customers and shareholders." Philip Bruno

      1/15/25 7:00:00 AM ET
      $ACIW
      Computer Software: Prepackaged Software
      Technology

    $ACIW
    Large Ownership Changes

    This live feed shows all institutional transactions in real time.

    See more
    • SEC Form SC 13G/A filed by ACI Worldwide Inc. (Amendment)

      SC 13G/A - ACI WORLDWIDE, INC. (0000935036) (Subject)

      2/14/24 2:53:46 PM ET
      $ACIW
      Computer Software: Prepackaged Software
      Technology
    • SEC Form SC 13G/A filed by ACI Worldwide Inc. (Amendment)

      SC 13G/A - ACI WORLDWIDE, INC. (0000935036) (Subject)

      2/13/24 4:55:55 PM ET
      $ACIW
      Computer Software: Prepackaged Software
      Technology
    • SEC Form SC 13G/A filed by ACI Worldwide Inc. (Amendment)

      SC 13G/A - ACI WORLDWIDE, INC. (0000935036) (Subject)

      1/30/24 12:02:40 PM ET
      $ACIW
      Computer Software: Prepackaged Software
      Technology

    $ACIW
    Financials

    Live finance-specific insights

    See more
    • ACI Worldwide, Inc. Reports Financial Results for the Quarter Ending March 31, 2025

      Q1 2025 HIGHLIGHTS Revenue up 25% versus Q1 2024 Net income of $59 million versus net loss of $8 million in Q1 2024 Adjusted EBITDA up 95% versus Q1 2024 Repurchased 1 million shares for $52 million YTD Raising guidance range for full-year 2025 ACI Worldwide (NASDAQ:ACIW), an original innovator in global payments technology, announced financial results today for the quarter ending March 31, 2025. "We are happy to report Q1 results that were again ahead of our expectations," said Thomas Warsop, president and CEO of ACI Worldwide. "Our newly formed Payment Software segment, which is the combination of our former Bank and Merchant segments, grew revenue 42%. We continue to see str

      5/8/25 6:00:00 AM ET
      $ACIW
      Computer Software: Prepackaged Software
      Technology
    • ACI Worldwide, Inc. to Release Financial Results for the Quarter Ending March 31, 2025

      Conference Call Scheduled for Thursday, May 8, 2025, at 8:30 a.m. ET ACI Worldwide (NASDAQ:ACIW), an original innovator in global payments technology, announced today that it will report its financial results for the first quarter 2025 on Thursday, May 8, 2025. Management will host a conference call at 8:30 a.m. Eastern time to discuss these results. Interested persons may access a real-time teleconference webcast at http://investor.aciworldwide.com/. To join the live audio call, please dial +1 (800) 715-9871 and provide your name, the conference name of ACI Worldwide, Inc., and conference ID 88945; alternatively, to reduce operator-assisted delays joining the call, we invite you to regis

      4/21/25 6:00:00 AM ET
      $ACIW
      Computer Software: Prepackaged Software
      Technology
    • ACI Worldwide, Inc. Reports Financial Results for the Quarter and Full Year Ended December 31, 2024

      2024 HIGHLIGHTS Total revenue of $1.594 billion grew 10% Net income of $203 million grew 67% Total adjusted EBITDA of $466 million grew 18% Cash flow from operating activities of $359 million grew 113% Expect 7-9% revenue growth in 2025 ACI Worldwide (NASDAQ:ACIW), an original innovator in global payments technology, announced financial results today for the quarter and full year ended December 31, 2024. "We are proud to have finished 2024 with stronger results than we expected across our key financial metrics, and that strength has continued as we start 2025. In 2024, we grew revenue 10%, increased adjusted EBITDA margin by more than 300 basis points to 41%, and more th

      2/27/25 6:00:00 AM ET
      $ACIW
      Computer Software: Prepackaged Software
      Technology