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ACI Worldwide ACIW Q2 2025 earnings

Reported August 7, 2025 · Before market open

Revenue$401.3MMiss by $59.9M
EPS$0.35Beat by $0.08
Revenue estimate$461.2M
EPS estimate$0.27

Next report

Nov 5, 2026 (in 2 months)
Revenue estimate$421.8M
EPS estimate$0.36

Financials

Q2 2025

Income statement

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Revenue$401.3M+7.4%
Gross profit$166.5M-2.2%
Operating income$34.9M-35.1%
Net income$12.2M-60.5%
EPS (diluted)$0.12-58.6%

Balance sheet

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Cash & equivalents$299.0M+33.4%
Total debt$930.1M-10.8%
Total equity$1.4B+12.7%
Total assets$3.1B-6.7%

Cash flow

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Operating cash flow$49.8M-9.5%
CapEx$2.2M+23.5%
Free cash flow$47.6M-10.6%

Valuation & ratios

Valuation

as of 06/30/25
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Market cap$4.83B+15.7%
Enterprise value$5.46B+9.4%
P/E19.2×-3.5×
P/S2.8×+0.1×

Profitability

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Gross margin50.3%-0.4pp
Operating margin19.9%+0.4pp
Net margin14.8%+2.8pp
FCF margin17.3%-1.0pp

Returns & leverage

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Return on equity19.1%+3.8pp
Debt / equity0.7×-0.2×
Current ratio1.5×+0.2×

Segments

By product

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Bill payments$221.9M+15.7%
Issuing and acquiring$85.1M-21.3%
License$56.7M-13.5%
Maintenance$50.4M+3.5%
Merchant payments$39.7M+4.3%

By segment

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Biller$221.9M+15.7%
Payment Software$179.3M—

FAQ

When did ACI Worldwide report Q2 2025 earnings?
ACI Worldwide (ACIW) reported Q2 2025 earnings on August 7, 2025 before market open.
What were ACI Worldwide's Q2 2025 revenue and EPS?
ACI Worldwide reported revenue of $401.3M and eps of $0.35 for Q2 2025.
Did ACI Worldwide beat estimates in Q2 2025?
Revenue missed the consensus estimate of $461.2M by $59.9M. EPS beat the consensus estimate of $0.27 by $0.08.
How did ACI Worldwide's Q2 2025 results compare year-over-year?
Compared to the same quarter a year prior, revenue grew 7.4% from $373.5M a year earlier and eps declined 25.5% from $0.47.
Where can I find ACI Worldwide's Q2 2025 SEC filings?
You can read the 8-K earnings release (0000935036-25-000017) and the 10-Q periodic report (0000935036-25-000019) directly on SEC EDGAR. The filing index links above go to sec.gov.