Earnings Releases·Nov 5, 2026, 7:54 AM ET

ACI Worldwide — Third Quarter 2026 Earnings Summary

Q3 2026 total revenue declined 12% year-over-year to $427 million, while recurring revenue rose 4% to $309 million; net income fell to $33 million from $91 million in the prior year period.
The company raised full-year 2026 adjusted EBITDA guidance to $550–$565 million and reiterated revenue guidance of $1.895–$1.925 billion, citing strong Q4 renewal visibility and margin expansion.
Segment performance diverged with Payment Software revenue down 24% due to renewal timing, while Biller revenue grew 6% to $210 million, driven by interchange optimization.
Capital allocation included $50 million in share repurchases during the quarter, with management targeting 50–60% of operating cash flow for buybacks in 2026.
Strategic progress includes the acquisition of Cranium Ventures for multi-rail card switching microservices and the successful go-live of the first ACI Connetic customer.