Every material Form 8-K ACI Worldwide has filed with the SEC since July 18, 2024, read and summarized by AI: what happened, the key figures, whether it reads positive or negative for shareholders, and how big a deal it is (impact 1-5). Newest first; each brief links to its own page and to the filing on SEC.gov.
ACI Worldwide reported third-quarter 2026 revenue of $427 million, down 12% from a year earlier, and net income of $33 million, compared with $91 million in Q3 2025. The company raised its full-year 2026 adjusted EBITDA guidance to $550 million to $565 million from $545 million to $560 million, while reiterating its revenue guidance of $1.895 billion to $1.925 billion. For shareholders, the guidance raise is offset by weaker third-quarter revenue and profit, with the company citing the timing of license renewals.
Q3 2026 revenue was $427 million, down 12% from Q3 2025; GAAP diluted EPS was $0.32 versus $0.88 a year earlier.
Full-year 2026 adjusted EBITDA guidance raised to $550 million to $565 million; revenue guidance of $1.895 billion to $1.925 billion reiterated.
Company repurchased 3.4 million shares year-to-date for $157 million; $299 million remains under the repurchase authorization.
Q3 2026 net adjusted EBITDA margin was 35%, down from 49% in Q3 2025, and the company agreed to acquire Cranium Ventures.
ACI Worldwide reported second-quarter 2026 revenue of $430 million, up 7% from a year earlier, and GAAP net income of $32 million, compared with $12 million in the second quarter of 2025. The company raised its full-year 2026 revenue and adjusted EBITDA guidance, though Biller segment profit and new ARR bookings declined.
Q2 2026 revenue was $430 million, up 7%; GAAP diluted EPS was $0.31 versus $0.12, and adjusted diluted EPS was $0.54, up 54%.
Full-year 2026 revenue guidance rose to $1.895 billion to $1.925 billion from $1.890 billion to $1.920 billion; adjusted EBITDA guidance rose to $545 million to $560 million from $540 million to $555 million.
Biller adjusted EBITDA fell 13% to $35 million, and net new ARR bookings fell 25% to $18 million in Q2 2026.
The company repurchased 2.5 million shares for $107 million year to date and has $349 million remaining on its buyback authorization.
ACI Worldwide reported first-quarter 2026 revenue of $426 million, up 8% from a year earlier, and raised its full-year 2026 revenue and adjusted EBITDA guidance. GAAP net income fell to $38 million from $59 million, but the prior-year figure included a $22 million after-tax gain on the sale of its Mindgate stake, so shareholders face a mix of higher operating results and lower reported profit.
Q1 2026 revenue was $426 million, up 8%; GAAP net income was $38 million versus $59 million in Q1 2025, which included a $22 million after-tax gain
Adjusted diluted EPS was $0.61, up 20%; GAAP diluted EPS was $0.37 versus $0.55 a year earlier
Full-year 2026 revenue guidance raised to $1.89 billion to $1.92 billion from $1.88 billion to $1.91 billion; adjusted EBITDA guidance raised to $540 million to $555 million from $530 million to $550 million
The company repurchased 1.5 million shares for $65 million in Q1 2026 and has $391 million remaining on its buyback authorization
ACI Worldwide reported full-year 2025 revenue of $1.76 billion, up 10%, and net income of $227 million, up 12%. It guided 2026 revenue to $1.88 billion to $1.91 billion, or 7% to 9% growth, and adjusted EBITDA to $530 million to $550 million. Fourth-quarter net income fell to $64.3 million from $98.6 million, and two directors resigned while Kimberly deBeers joined the board.
Full-year 2025 revenue was $1.76 billion, up 10%; net income was $227 million, up 12%; diluted EPS was $2.16 versus $1.91.
Fourth-quarter 2025 net income was $64.3 million versus $98.6 million a year earlier; diluted EPS was $0.62 versus $0.93.
2026 guidance: revenue of $1.88 billion to $1.91 billion and adjusted EBITDA of $530 million to $550 million, compared with $506 million in 2025.
Charles Peters and Janet Estep resigned from the board effective February 23, 2026; Kimberly deBeers was appointed as an independent director the same day.
ACI Worldwide said its Chief Technology Officer, Abe Kuruvilla, will leave the company, with employment ending January 15, 2026, under an agreement reached January 13, 2026. Kuruvilla will receive severance and medical continuation benefits under the company's existing policy, and JP Krishnamoorthy has taken over his responsibilities.
Chief Technology Officer Abe Kuruvilla's employment ends January 15, 2026
Kuruvilla is eligible for severance and medical continuation benefits under the existing severance policy
JP Krishnamoorthy, Chief Innovation and Technology Officer, assumed Kuruvilla's responsibilities on January 13, 2026
ACI Worldwide reported third-quarter 2025 revenue of $482 million, up 7% from a year earlier, and net income of $91 million versus $81 million in Q3 2024. The company raised its full-year 2025 revenue and adjusted EBITDA guidance and approved a $500 million share repurchase authorization.
Q3 2025 revenue was $482 million, up 7%; net income was $91 million, compared with $81 million in Q3 2024.
Q3 2025 adjusted EBITDA was $171 million, up 2% from Q3 2024.
Full-year 2025 revenue guidance was raised to $1.730 billion to $1.754 billion, from $1.710 billion to $1.740 billion.
The Board approved a $500 million share repurchase authorization on October 31, 2025; 3.1 million shares were repurchased year-to-date for $150 million.
ACI Worldwide appointed Todd Ford and Didier Lamouche to its Board of Directors as independent directors, effective September 25, 2025. The Board said the appointments support board refreshment ahead of the expected retirement and transition of two current directors.
Todd Ford and Didier Lamouche were appointed to the Board on September 25, 2025.
Both will serve until the 2026 Annual Meeting of Stockholders and participate in standard non-employee director compensation.
The Board determined both directors are independent under NASDAQ Global Select Market standards and that neither has a related-party transaction requiring disclosure.
Ford is a former CFO of Coupa; Lamouche is a former President and CEO of IDEMIA and previously served on the ACI Board.
ACI Worldwide said it will eliminate its Chief Revenue Officer position effective September 30, 2025, and Alessandro Silva will leave the company on that date. The sales functions will be handled by the general managers of the payment software and biller segments and by regional sales leaders.
Chief Revenue Officer position eliminated effective September 30, 2025
Alessandro Silva will leave the company on September 30, 2025
Company will provide customary benefits under its severance policy
Filing does not disclose financial figures for the change
ACI Worldwide reported second-quarter 2025 revenue of $401 million, up 7% from a year earlier, but net income fell to $12 million from $31 million and adjusted EBITDA fell 13% to $81 million. The company raised its full-year 2025 revenue and adjusted EBITDA guidance and repurchased 2.4 million shares for $119 million in the quarter, so shareholders see stronger full-year expectations alongside weaker quarterly profit.
Q2 2025 revenue was $401 million, up 7%; recurring revenue was $322 million, up 13%.
Q2 2025 diluted EPS was $0.12, versus $0.29 in Q2 2024; first-half net income of $71 million included a $22 million after-tax gain on the sale of the Mindgate stake.
Full-year 2025 revenue guidance was raised to $1.710 billion to $1.740 billion from $1.690 billion to $1.720 billion; adjusted EBITDA guidance was raised to $490 million to $505 million from $480 million to $495 million.
Q3 2025 guidance calls for revenue of $460 million to $470 million and adjusted EBITDA of $155 million to $165 million.
ACI Worldwide entered a Lender Addition and Acknowledgement Agreement dated June 18, 2025, adding $200 million of incremental term loans under its existing credit agreement with Bank of America. Together with cash on hand and a revolving loan borrowing, the proceeds were used to redeem in full the $400 million of 5.750% senior notes due 2026 on June 20, 2025, which shifts that debt to a bank loan with floating interest tied to Term SOFR.
Incremental term loan principal: $200 million, administered by Bank of America, N.A.
Redeemed in full on June 20, 2025: $400 million of 5.750% senior notes due 2026
New borrowings priced at Term SOFR plus a margin of 1.5% to 2.5%, based on the consolidated total leverage ratio
ACI Worldwide appointed Robert Leibrock, previously Senior Vice President, Chief Operating Officer and CFO at Red Hat, as its Chief Financial Officer and Chief Accounting Officer effective July 1, 2025. Scott Behrens, the current CFO and Chief Accounting Officer, ceases to hold those roles on the same date and remains an employee through December 31, 2025.
Leibrock's annual base salary is $530,000, with a Short-Term Incentive Program target of 80% of base salary, pro-rated for 2025.
Leibrock receives initial equity awards with an aggregate grant date value of $3.1 million, plus $5.5 million in awards as compensation for forfeited incentives at his former employer.
Half of each award is in RSUs vesting quarterly over three years; the other half vests fully on the third anniversary of the grant date.
Behrens continues as an employee under his current compensation through December 31, 2025, and is entitled to retirement benefits in effect at that time.
ACI Worldwide reported first-quarter 2025 revenue of $395 million, up 25% from a year earlier, and net income of $59 million compared with a net loss of $8 million in the prior-year quarter. The company raised its full-year 2025 revenue guidance, while keeping its adjusted EBITDA outlook unchanged, and CFO Scott Behrens announced his retirement, with no effective date set yet and a successor still being sought.
Q1 2025 revenue was $395 million, up 25%, and net income was $59 million, including a $22 million after-tax gain on the sale of a minority interest in Mindgate
Full-year 2025 revenue guidance raised to $1.690 billion to $1.720 billion from $1.685 billion to $1.715 billion; adjusted EBITDA guidance unchanged at $480 million to $495 million
Q2 2025 guidance: revenue of $375 million to $385 million and adjusted EBITDA of $55 million to $65 million
Scott Behrens will retire as EVP, CFO and Chief Accounting Officer, effective on a date to be determined; the company is identifying a successor
ACI Worldwide reported full-year 2024 revenue of $1.594 billion, up 10%, and net income of $203 million, up 67%. Fourth-quarter revenue fell to $453 million from $477 million, and fourth-quarter net income declined to $98.6 million from $122.6 million. The company guided 2025 revenue to $1.685 billion to $1.715 billion, or 7% to 9% growth on a constant currency basis, and adjusted EBITDA to $480 million to $495 million.
Full-year 2024 total revenue of $1.594 billion, up 10%; net income of $203 million, up 67%; adjusted EBITDA of $466 million, up 18%.
Q4 2024 revenue of $453 million versus $477 million a year earlier; Q4 net income of $98.6 million versus $122.6 million; diluted EPS of $0.93 versus $1.12.
2025 guidance: revenue of $1.685 billion to $1.715 billion and adjusted EBITDA of $480 million to $495 million; Q1 2025 revenue expected at $360 million to $370 million.
In 2024 the company repurchased about 3.9 million shares for $128 million; $373 million remained on the share repurchase authorization at year end.
ACI Worldwide reported third-quarter 2024 revenue of $452 million, up 24% from a year earlier, and net income of $81 million, up 115%. The company raised its full-year 2024 revenue and adjusted EBITDA guidance, which is the main factor for shareholders.
Q3 2024 net income was $81 million, up from $38 million in Q3 2023; adjusted EBITDA was $167 million, up 61%.
Full-year 2024 revenue guidance is now $1.567 billion to $1.601 billion, up from $1.557 billion to $1.591 billion.
Full-year 2024 adjusted EBITDA guidance is now $433 million to $448 million, up from $423 million to $438 million.
Year-to-date 2024 share repurchases totaled $128 million, with $372 million remaining on the authorization at quarter end.
ACI Worldwide reported second-quarter 2024 revenue of $373 million, up 16% from a year earlier, and net income of $31 million, compared with a net loss of $7 million in Q2 2023. The company raised its full-year 2024 revenue and adjusted EBITDA guidance and authorized a $400 million share repurchase program, which matters to shareholders because it reflects higher profitability and a larger capital return plan.
Q2 2024 revenue was $373 million, up 16%; net income was $31 million versus a net loss of $7 million in Q2 2023.
Adjusted EBITDA was $93 million, up 62%; operating cash flow was $55 million, up 215%.
Full-year 2024 revenue guidance raised to $1.557 billion to $1.591 billion, from $1.547 billion to $1.581 billion; adjusted EBITDA guidance raised to $423 million to $438 million, from $418 million to $433 million.
The board authorized a $400 million share repurchase; the company bought 1.7 million shares for about $57 million in Q2 and had about $380 million remaining at quarter end.
ACI Worldwide disclosed that Chief Product Officer Debbie Guerra resigned, effective August 12, 2024, after notifying the company on July 17, 2024. Scotty Perkins, head of Product Management Innovation and Modernization, will serve as interim Chief Product Officer while the company searches for a permanent replacement. The filing does not describe the reasons for the departure.
Debbie Guerra resigned as Chief Product Officer, effective August 12, 2024
Notice of resignation was given to the company on July 17, 2024
Scotty Perkins will serve as interim Chief Product Officer
The company is identifying a permanent replacement for Ms. Guerra
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