ACI Worldwide (ACIW) Q3 FY2026 earnings: revenue $427 million, down 11.5% on the year

ACI Worldwide, Inc. (ACIW) reported revenue of $427 million for Q3 FY2026, the quarter ended 30 September 2026, down 11.5% on the same quarter a year earlier. Net income was $33 million, down 64.4% on the year, and diluted earnings per share $0.32. The figures are the company's own, from the 10-Q it filed with the SEC on 5 November 2026.

Revenue

$427 million

-11.5% on the year · -0.8% on the quarter

Q4 FY2024Q3 FY2026

Operating margin

12.3%

26.5% a year earlier

Q4 FY2024Q3 FY2026

Net income

$33 million

-64.4% on the year · +2.3% on the quarter

Q4 FY2024Q3 FY2026

Diluted EPS

$0.32

-63.6% on the year · +3.2% on the quarter

Q4 FY2024Q3 FY2026

this quarterthe same quarter a year earlierHover a bar for its figure.

What management said

Guidance figures: 2 raised, 2 new, 2 kept.

Revenue fell on renewal timing: Total revenue was $427 million, down 12% (11% in constant currency), attributed primarily to the timing of this year's license renewals. Year-to-date revenue was $1.3 billion, in line with last year.
Adjusted EBITDA fell 43%: Adjusted EBITDA was $98 million, down 43% (42% in constant currency). Net adjusted EBITDA margin was 35%, against 49%. Year-to-date adjusted EBITDA was $294 million, down 15%.
Payment Software revenue fell 24%: Payment Software revenue was $216 million, down 24%, reflecting expected concentration of 2026 renewals in the fourth quarter. Segment recurring revenue decreased 1%.

Read the earnings call summary

Income statement (profit and loss)

$ million	Q3 FY2026	Q2 FY2026	Q3 FY2025	On the quarter	On the year
Revenue	427	430	482	-0.8%	-11.5%
Cost of revenue	231	249	223	-7.0%	+3.7%
Gross profit	195	182	259	+7.6%	-24.6%
Gross margin	45.8%	42.2%	53.7%
Operating income	52.4	44.6	128	+17.3%	-59.0%
Operating margin	12.3%	10.4%	26.5%
Interest expense	12.6	12.0	14.8	+4.8%	-15.2%
Pre-tax income	42.2	38.9	118	+8.4%	-64.3%
Income tax	9.7	7.1	26.9	+35.6%	-64.0%
Effective tax rate	22.9%	18.3%	22.7%
Net income	32.5	31.8	91.2	+2.3%	-64.4%
Net margin	7.6%	7.4%	18.9%
Diluted EPS	$0.32	$0.31	$0.88	+3.2%	-63.6%

$ million except per share.

Free cash flow is operating cash flow less capital expenditure; the effective tax rate is income tax over pre-tax income; margins are the line over revenue. Gross profit is revenue less cost of revenue, and operating income is revenue less the company's own total costs, where the statement does not print those lines. Those four are arithmetic on the filed numbers; everything else is as filed. Money is in $ million as the company files it, or in $ billion by the switch above the tables; per share figures and share counts are as they are.

Cash flow

$ million	Q3 FY2026	Q2 FY2026	Q3 FY2025	On the quarter	On the year
Operating cash flow	119	70.8	73.0	+68.2%	+63.0%
Capital expenditure	2.7	6.9	3.4	-60.0%	-19.6%
Free cash flow	116	63.9	69.6	+82.0%	+67.1%
Free cash flow margin	27.3%	14.9%	14.4%
Cash from investing	-8.9	-13.7	-9.9
Cash from financing	-59.2	-72.0	-106
Depreciation and amortisation	21.7	23.9	24.1	-9.5%	-10.3%
Share-based compensation	18.4	18.7	17.4	-1.6%	+5.9%
Buybacks	50.0	41.5	16.3	+20.7%	+207.9%
Diluted shares, weighted	101m	102m	104m	-0.4%	-2.5%
Shares outstanding at period end	100m	101m	103m	-0.8%	-2.7%

Cash flow lines for the quarter; where the company files them year to date, the quarter is the difference between two filings.

Balance sheet

$ million	Q3 FY2026	Q2 FY2026	Q3 FY2025	On the quarter	On the year
Shareholders' equity	1,493	1,497	1,479	-0.2%	+0.9%
Debt	817	822	868	-0.6%	-5.9%
Operating lease liabilities	18.1	18.6	23.2	-2.7%	-22.2%
Other liabilities	797	758	791	+5.1%	+0.8%
Total liabilities and equity	3,125	3,095	3,161	+1.0%	-1.1%
Fixed assets	36.7	38.0	33.3	-3.4%	+10.2%
Goodwill	1,231	1,231	1,226	-0.0%	+0.4%
Intangible assets	n/a	n/a	151
Cash and equivalents	219	167	199	+30.7%	+9.8%
Receivables	428	459	461	-6.7%	-7.0%
Other assets	1,210	1,200	1,091	+0.9%	+11.0%
Total assets	3,125	3,095	3,161	+1.0%	-1.1%

Questions

What was ACI Worldwide's revenue in Q3 FY2026?

ACI Worldwide (ACIW) reported revenue of $427 million for Q3 FY2026, the quarter ended 30 September 2026, down 11.5% on the same quarter a year earlier.

How much did ACI Worldwide earn in Q3 FY2026?

Net income for Q3 FY2026 was $33 million, down 64.4% on the year, and diluted earnings per share $0.32.

When did ACI Worldwide report Q3 FY2026 results?

ACI Worldwide filed its 10-Q for the quarter ended 30 September 2026 with the SEC on 5 November 2026.

Quarterly results, the last 20 quarters

	Q4 FY2021 *	Q1 FY2022	Q2 FY2022	Q3 FY2022	Q4 FY2022 *	Q1 FY2023	Q2 FY2023	Q3 FY2023	Q4 FY2023 *	Q1 FY2024	Q2 FY2024	Q3 FY2024	Q4 FY2024 *	Q1 FY2025	Q2 FY2025	Q3 FY2025	Q4 FY2025 *	Q1 FY2026	Q2 FY2026	Q3 FY2026
Revenue	467	323	340	307	452	290	323	363	477	316	373	452	453	395	401	482	482	426	430	427
Cost of revenue	162	166	179	172	179	179	181	178	182	191	203	197	200	213	235	223	226	228	249	231
Gross profit	305	157	161	135	273	111	142	185	295	125	170	254	253	181	166	259	255	197	182	195
Gross margin	65%	49%	47%	44%	60%	38%	44%	51%	62%	40%	46%	56%	56%	46%	41%	54%	53%	46%	42%	46%
Operating income	163	27.7	24.5	3.5	148	-24.4	10.5	61.9	172	9.6	53.7	123	122	58.5	34.9	128	109	57.5	44.6	52.4
Operating margin	35%	9%	7%	1%	33%	-8%	3%	17%	36%	3%	14%	27%	27%	15%	9%	26%	23%	14%	10%	12%
Interest expense	11.1	10.9	11.8	14.3	16.2	18.9	19.9	19.8	19.8	19.0	18.5	18.4	16.6	14.7	14.5	14.8	13.8	12.2	12.0	12.6
Pre-tax income	154	22.2	17.7	33.7	133	-43.1	-10.0	46.7	154	-7.5	40.3	107	110	71.6	17.9	118	99.0	50.4	38.9	42.2
Tax rate	29%	30%	25%	31%	32%	n/a	n/a	19%	20%	n/a	23%	24%	11%	18%	32%	23%	35%	24%	18%	23%
Net income	109	15.5	13.3	23.1	90.2	-32.3	-6.7	37.9	123	-7.8	30.9	81.4	98.6	58.9	12.2	91.2	64.3	38.3	31.8	32.5
Net margin	23%	5%	4%	8%	20%	-11%	-2%	10%	26%	-2%	8%	18%	22%	15%	3%	19%	13%	9%	7%	8%
Diluted EPS	$0.93	$0.13	$0.12	$0.20	$0.81	-$0.30	-$0.06	$0.35	$1.12	-$0.07	$0.29	$0.77	$0.93	$0.55	$0.12	$0.88	$0.62	$0.37	$0.31	$0.32
Operating cash flow	72.6	28.9	38.9	34.2	41.4	40.1	17.4	25.3	85.7	123	55.0	54.0	126	78.2	49.8	73.0	122	64.2	70.8	119
Capital expenditure	7.6	2.3	1.4	4.5	5.0	2.3	2.3	3.4	1.0	3.2	1.7	3.5	6.9	2.2	2.2	3.4	5.2	3.0	6.9	2.7
Free cash flow	65.0	26.6	37.5	29.7	36.4	37.8	15.1	21.9	84.8	120	53.3	50.5	120	76.1	47.6	69.6	117	61.2	63.9	116
Buybacks	68.0	37.9	24.8	28.2	116	0.0	0.0	0.0	27.6	62.5	57.2	8.0	0.0	14.4	119	16.3	52.6	65.3	41.5	50.0
Shares outstanding	116m	115m	114m	113m	108m	108m	109m	109m	108m	106m	105m	105m	105m	105m	103m	103m	103m	101m	101m	100m
Filing	10-K	10-Q	10-Q	10-Q	10-K	10-Q	10-Q	10-Q	10-K	10-Q	10-Q	10-Q	10-K	10-Q	10-Q	10-Q	10-K	10-Q	10-Q	10-Q

Each quarter as filed, linked to its filing.

* The fourth quarter is the full year less the first three quarters, because the company files the year and not the quarter on its own. A fourth quarter's EPS, and its diluted share count where shown, are from the company's results press release for that quarter, checked against the company's filed figures or a second data source. Money is in $ million as the company files it, or in $ billion by the switch above the tables; per share figures and the share count are as they are. Free cash flow is operating cash flow less capital expenditure; the effective tax rate is income tax over pre-tax income; margins are the line over revenue. Gross profit is revenue less cost of revenue, and operating income is revenue less the company's own total costs, where the statement does not print those lines. Cash flow lines filed year to date are the difference between two filings. Shares outstanding are at the period end where the balance sheet tags them, otherwise the count on the filing's cover page. A derived fourth-quarter EPS is left blank when a split in the year makes the arithmetic meaningless.

10-Q for the period ended 30 September 2026, filed 5 November 2026: the filing.