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Sep 30, 2025
ACI Worldwide Q3 2025 Earnings Report
ACI Worldwide reported strong Q3 2025 results with growth across both Payment Software and Biller segments.
Key Takeaways
ACI Worldwide delivered solid Q3 2025 performance, with increases in revenue, net income, and adjusted EBITDA. The company saw continued strength in recurring revenue and segment growth, and raised its full-year guidance.
Revenue reached $482.4 million, a 7% increase from Q3 2024
Adjusted EPS came in at $1.09, while GAAP EPS was $0.88
Recurring revenue was $298.3 million, representing 62% of total revenue
Net income rose to $91.3 million from $81.4 million in Q3 2024
Revenue by Segment
Forward Guidance
ACI raised its full-year 2025 guidance for both revenue and adjusted EBITDA, reflecting continued strong performance and outlook.
Positive Outlook
- Raised full-year 2025 revenue guidance to $1.730B–$1.754B
- Increased full-year adjusted EBITDA guidance to $495M–$510M
- First customer signed for ACI Connetic platform
- Positive demand trends across both core segments
- Strong progress in recurring revenue growth
Challenges Ahead
- Slight dip in adjusted EBITDA margin from 50% to 49%
- Year-to-date cash flow from operations declined vs. 2024
- Ongoing competitive pressures in the payments space
- Margin pressure in Biller segment despite revenue growth
- Modest year-over-year increase in adjusted EBITDA
Historical Earnings Impact
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Avg. Return Before/After Earnings
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