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

    5/8/25 6:00:00 AM ET
    $ACIW
    Computer Software: Prepackaged Software
    Technology
    Get the next $ACIW alert in real time by email

    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 strength in our Issuing and Acquiring solutions driven by large financial institutions' modernization efforts. Our Biller business was also strong with revenue up 11%."

    Warsop continued, "We had a strong start to the year and our financial position continues to improve. This strong start makes us even more confident in our full-year financial expectations. We remain focused on the execution of our strategy, delivering transformative software solutions that power intelligent payment orchestration in real time."

    Q1 2025 FINANCIAL SUMMARY

    In Q1 2025, revenue was $395 million, up 25% from Q1 2024. Recurring revenue of $286 million grew 8% and represented 72% of total revenue in the quarter. Net income of $59 million compares to a net loss of $8 million in Q1 2024 and includes a $22 million after-tax gain on the sale of our minority interest in India-based Mindgate. Adjusted EBITDA in Q1 2025 was $94 million, up 95% from Q1 2024. Cash flow from operating activities in Q1 2025 was $78 million, versus $123 million in Q1 2024.

    • Payment Software segment revenue grew 42% and segment-adjusted EBITDA increased 104% versus Q1 2024.
    • Biller segment revenue grew 11% and segment-adjusted EBITDA increased 1% versus Q1 2024.

    ACI ended Q1 2025 with $230 million in cash on hand and a debt balance of $853 million, which represents a net debt leverage ratio of 1.2x adjusted EBITDA. Year to date, the company has repurchased 1 million shares for approximately $52 million in capital. The company has approximately $320 million remaining available on the share repurchase authorization.

    RAISING 2025 GUIDANCE

    Given our strong start to the year and to account for the impact of changes in foreign currency rates, we are raising our revenue guidance for the full year of 2025. We now expect revenue to be in the range of $1.690 billion to $1.720 billion. We continue to expect adjusted EBITDA to be in the range of $480 million to $495 million. For Q2 2025, we expect revenue to be between $375 million and $385 million and adjusted EBITDA of $55 million to $65 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 teleconference webcast at http://investor.aciworldwide.com/. To join the live audio call, please dial +1 (800) 715-9871, 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 register in advance by visiting https://registrations.events/direct/Q4I88945397. This process will provide you with a unique passcode allowing you to join the call without operator assistance.

    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) we continue to see strength in our Issuing and Acquiring solutions driven by large financial institutions' modernization efforts, (ii) our financial position continues to improve, (iii) this strong start makes us even more confident in our full-year financial expectations, (iv) we remain focused on the execution of our strategy, delivering transformative software solutions that power intelligent payment orchestration in real time, and (v) Q2 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

    CONDENSED CONSOLIDATED BALANCE SHEETS

    (unaudited and in thousands)

     

    March 31,

    2025

     

    December 31,

    2024

    ASSETS

     

     

     

    Current assets

     

     

     

    Cash and cash equivalents

    $

    230,057

     

     

    $

    216,394

     

    Receivables, net of allowances

     

    386,083

     

     

     

    414,399

     

    Settlement assets

     

    543,245

     

     

     

    318,871

     

    Prepaid expenses

     

    35,885

     

     

     

    29,218

     

    Other current assets

     

    13,430

     

     

     

    11,940

     

    Total current assets

     

    1,208,700

     

     

     

    990,822

     

    Noncurrent assets

     

     

     

    Accrued receivables, net

     

    353,767

     

     

     

    360,079

     

    Property and equipment, net

     

    33,712

     

     

     

    35,069

     

    Operating lease right-of-use assets

     

    26,460

     

     

     

    28,864

     

    Software, net

     

    83,738

     

     

     

    92,893

     

    Goodwill

     

    1,226,026

     

     

     

    1,226,026

     

    Intangible assets, net

     

    160,716

     

     

     

    165,377

     

    Deferred income taxes, net

     

    76,681

     

     

     

    72,713

     

    Other noncurrent assets

     

    33,462

     

     

     

    53,450

     

    TOTAL ASSETS

    $

    3,203,262

     

     

    $

    3,025,293

     

    LIABILITIES AND STOCKHOLDERS' EQUITY

     

     

     

    Current liabilities

     

     

     

    Accounts payable

    $

    52,521

     

     

    $

    45,422

     

    Settlement liabilities

     

    542,092

     

     

     

    317,484

     

    Employee compensation

     

    30,780

     

     

     

    55,567

     

    Current portion of long-term debt

     

    34,945

     

     

     

    34,928

     

    Deferred revenue

     

    72,449

     

     

     

    75,419

     

    Other current liabilities

     

    71,727

     

     

     

    73,808

     

    Total current liabilities

     

    804,514

     

     

     

    602,628

     

    Noncurrent liabilities

     

     

     

    Deferred revenue

     

    18,437

     

     

     

    19,304

     

    Long-term debt

     

    810,906

     

     

     

    889,649

     

    Deferred income taxes, net

     

    40,942

     

     

     

    39,920

     

    Operating lease liabilities

     

    20,934

     

     

     

    22,592

     

    Other noncurrent liabilities

     

    24,929

     

     

     

    26,873

     

    Total liabilities

     

    1,720,662

     

     

     

    1,600,966

     

    Commitments and contingencies

     

     

     

    Stockholders' equity

     

     

     

    Preferred stock

     

    —

     

     

     

    —

     

    Common stock

     

    702

     

     

     

    702

     

    Additional paid-in capital

     

    735,751

     

     

     

    731,927

     

    Retained earnings

     

    1,656,955

     

     

     

    1,598,085

     

    Treasury stock

     

    (797,214

    )

     

     

    (784,914

    )

    Accumulated other comprehensive loss

     

    (113,594

    )

     

     

    (121,473

    )

    Total stockholders' equity

     

    1,482,600

     

     

     

    1,424,327

     

    TOTAL LIABILITIES AND STOCKHOLDERS' EQUITY

    $

    3,203,262

     

     

    $

    3,025,293

     

    ACI WORLDWIDE, INC. AND SUBSIDIARIES

    CONDENSED CONSOLIDATED STATEMENTS OF OPERATIONS

    (unaudited and in thousands, except per share amounts)

     

    Three Months Ended March 31,

     

     

    2025

     

     

     

    2024

     

    Revenues

     

     

     

    Software as a service and platform as a service

    $

    237,083

     

     

    $

    215,732

     

    License

     

    84,493

     

     

     

    29,973

     

    Maintenance

     

    48,642

     

     

     

    47,754

     

    Services

     

    24,347

     

     

     

    22,560

     

    Total revenues

     

    394,565

     

     

     

    316,019

     

    Operating expenses

     

     

     

    Cost of revenue (1)

     

    213,378

     

     

     

    191,107

     

    Research and development

     

    38,908

     

     

     

    34,993

     

    Selling and marketing

     

    32,186

     

     

     

    26,750

     

    General and administrative

     

    27,592

     

     

     

    26,000

     

    Depreciation and amortization

     

    23,985

     

     

     

    27,609

     

    Total operating expenses

     

    336,049

     

     

     

    306,459

     

    Operating income

     

    58,516

     

     

     

    9,560

     

    Other income (expense)

     

     

     

    Interest expense

     

    (14,683

    )

     

     

    (19,010

    )

    Interest income

     

    4,064

     

     

     

    4,009

     

    Other, net

     

    23,740

     

     

     

    (2,025

    )

    Total other income (expense)

     

    13,121

     

     

     

    (17,026

    )

    Income (loss) before income taxes

     

    71,637

     

     

     

    (7,466

    )

    Income tax expense (benefit)

     

    12,767

     

     

     

    285

     

    Net income (loss)

    $

    58,870

     

     

    $

    (7,751

    )

    Income (loss) per common share

     

     

     

    Basic

    $

    0.56

     

     

    $

    (0.07

    )

    Diluted

    $

    0.55

     

     

    $

    (0.07

    )

    Weighted average common shares outstanding

     

     

     

    Basic

     

    105,350

     

     

     

    106,799

     

    Diluted

     

    106,827

     

     

     

    106,799

     

     

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

     

    ACI WORLDWIDE, INC. AND SUBSIDIARIES

    CONDENSED CONSOLIDATED STATEMENTS OF CASH FLOWS

    (unaudited and in thousands)

     

    Three Months Ended March 31,

     

     

    2025

     

     

     

    2024

     

    Cash flows from operating activities:

     

     

     

    Net income (loss)

    $

    58,870

     

     

    $

    (7,751

    )

    Adjustments to reconcile net income (loss) to net cash flows from operating activities:

     

     

     

    Depreciation

     

    3,156

     

     

     

    3,631

     

    Amortization

     

    20,829

     

     

     

    23,978

     

    Amortization of operating lease right-of-use assets

     

    2,435

     

     

     

    2,568

     

    Amortization of deferred debt issuance costs

     

    650

     

     

     

    936

     

    Deferred income taxes

     

    (2,463

    )

     

     

    1,006

     

    Stock-based compensation expense

     

    11,627

     

     

     

    8,099

     

    Gain on sale of equity investment

     

    (25,927

    )

     

     

    —

     

    Other

     

    (718

    )

     

     

    (1,311

    )

    Changes in operating assets and liabilities:

     

     

     

    Receivables

     

    41,640

     

     

     

    127,269

     

    Accounts payable

     

    7,479

     

     

     

    (448

    )

    Accrued employee compensation

     

    (25,182

    )

     

     

    (26,453

    )

    Deferred revenue

     

    (4,648

    )

     

     

    13,907

     

    Other current and noncurrent assets and liabilities

     

    (9,527

    )

     

     

    (22,190

    )

    Net cash flows from operating activities

     

    78,221

     

     

     

    123,241

     

    Cash flows from investing activities:

     

     

     

    Purchases of property and equipment

     

    (2,170

    )

     

     

    (3,208

    )

    Purchases of software and distribution rights

     

    (6,759

    )

     

     

    (14,582

    )

    Proceeds from sale of equity investment

     

    46,021

     

     

     

    —

     

    Net cash flows from investing activities

     

    37,092

     

     

     

    (17,790

    )

    Cash flows from financing activities:

     

     

     

    Proceeds from issuance of common stock

     

    813

     

     

     

    693

     

    Proceeds from exercises of stock options

     

    582

     

     

     

    475

     

    Repurchase of stock-based compensation awards for tax withholdings

     

    (7,070

    )

     

     

    (3,302

    )

    Repurchases of common stock

     

    (14,408

    )

     

     

    (62,515

    )

    Proceeds from revolving credit facility

     

    —

     

     

     

    164,000

     

    Repayment of revolving credit facility

     

    (70,000

    )

     

     

    (152,000

    )

    Proceeds from term portion of credit agreement

     

    —

     

     

     

    500,000

     

    Repayment of term portion of credit agreement

     

    (9,375

    )

     

     

    (529,073

    )

    Payments for debt issuance costs

     

    —

     

     

     

    (5,141

    )

    Payments on or proceeds from other debt, net

     

    (4,217

    )

     

     

    (2,694

    )

    Net increase (decrease) in settlement assets and liabilities

     

    88,324

     

     

     

    (18,933

    )

    Net cash flows from financing activities

     

    (15,351

    )

     

     

    (108,490

    )

    Effect of exchange rate fluctuations on cash

     

    1,791

     

     

     

    2,314

     

    Net increase (decrease) in cash and cash equivalents

     

    101,753

     

     

     

    (725

    )

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

     

    265,018

     

     

     

    238,821

     

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

    $

    366,771

     

     

    $

    238,096

     

    Reconciliation of cash and cash equivalents to the Consolidated Balance Sheets

     

     

     

    Cash and cash equivalents

    $

    230,057

     

     

    $

    183,393

     

    Settlement deposits

     

    136,714

     

     

     

    54,703

     

    Total cash and cash equivalents

    $

    366,771

    $

    238,096

     

    Three Months Ended March 31,

    Adjusted EBITDA (millions)

     

    2025

     

     

     

    2024

     

    Net income (loss)

    $

    58.9

     

     

    $

    (7.8

    )

    Plus:

     

     

     

    Income tax expense

     

    12.8

     

     

     

    0.3

     

    Net interest expense

     

    10.6

     

     

     

    15.0

     

    Net other (income) expense

     

    (23.7

    )

     

     

    2.0

     

    Depreciation expense

     

    3.2

     

     

     

    3.6

     

    Amortization expense

     

    20.8

     

     

     

    24.0

     

    Non-cash stock-based compensation expense

     

    11.6

     

     

     

    8.1

     

    Adjusted EBITDA before significant transaction-related expenses

    $

    94.1

     

     

    $

    45.2

     

    Significant transaction-related expenses:

     

     

     

    Cost reduction strategies

    $

    —

     

     

    $

    2.6

     

    Other

     

    —

     

     

     

    0.3

     

    Adjusted EBITDA

    $

    94.1

     

     

    $

    48.1

     

    Revenue, net of interchange:

     

     

     

    Revenue

    $

    394.6

     

     

    $

    316.0

     

    Interchange

     

    130.8

     

     

     

    112.4

     

    Revenue, net of interchange

    $

    263.8

     

     

    $

    203.6

     

     

     

     

     

    Net Adjusted EBITDA Margin

     

    36

    %

     

     

    24

    %

     

    Three Months Ended March 31,

    Segment Information (millions)

     

    2025

     

     

    2024

    Revenue

     

     

     

    Payment Software

    $

    200.7

     

    $

    141.1

    Biller

     

    193.9

     

     

    174.9

    Total

    $

    394.6

     

    $

    316.0

    Recurring Revenue

     

     

     

    Payment Software

    $

    91.9

     

    $

    88.6

    Biller

     

    193.8

     

     

    174.9

    Total

    $

    285.7

     

    $

    263.5

    Segment Adjusted EBITDA

     

     

     

    Payment Software

    $

    106.6

     

    $

    52.3

    Biller

     

    30.9

     

     

    30.7

     

    Note: Amounts may not recalculate due to rounding.

     

     

    Three Months Ended March 31,

     

    2025

     

     

    2024

     

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

    EPS Impact

     

    $ in Millions

    (Net of Tax)

     

    EPS Impact

     

    $ in Millions

    (Net of Tax)

    GAAP net income (loss)

    $

    0.55

     

     

    $

    58.9

     

     

    $

    (0.07

    )

     

    $

    (7.8

    )

    Adjusted for:

     

     

     

     

     

     

     

    Gain on sale of equity investment

     

    (0.20

    )

     

     

    (21.7

    )

     

     

    —

     

     

     

    —

     

    Significant transaction-related expenses

     

    —

     

     

     

    —

     

     

     

    0.02

     

     

     

    2.2

     

    Amortization of acquisition-related intangibles

     

    0.04

     

     

     

    4.1

     

     

     

    0.06

     

     

     

    6.4

     

    Amortization of acquisition-related software

     

    0.03

     

     

     

    3.2

     

     

     

    0.03

     

     

     

    3.4

     

    Non-cash stock-based compensation

     

    0.09

     

     

     

    9.2

     

     

     

    0.06

     

     

     

    6.2

     

    Total adjustments

    $

    (0.04

    )

     

    $

    (5.2

    )

     

    $

    0.17

     

     

    $

    18.2

     

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

    $

    0.51

     

     

    $

    53.7

     

     

    $

    0.10

     

     

    $

    10.4

     

     

    Three Months Ended March 31,

    Recurring Revenue (millions)

     

    2025

     

     

    2024

    SaaS and PaaS fees

    $

    237.1

     

    $

    215.7

    Maintenance fees

     

    48.6

     

     

    47.8

    Recurring Revenue

    $

    285.7

     

    $

    263.5

    New Bookings (millions)

    Three Months Ended March 31,

     

    TTM Ended March 31,

     

     

    2025

     

     

    2024

     

     

    2025

     

     

    2024

    Annual recurring revenue (ARR) bookings

    $

    8.9

     

    $

    6.4

     

    $

    68.3

     

    $

    68.4

    License and services bookings

     

    50.0

     

     

    27.2

     

     

    312.8

     

     

    243.4

     

    Note: Amounts may not recalculate due to rounding.

     

     

    View source version on businesswire.com: https://www.businesswire.com/news/home/20250508052824/en/

    For more information contact:



    Investor Relations

    John Kraft

    SVP, Head of Strategy and Finance

    305-894-2223 / [email protected]

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