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ACI Worldwide ACIW Q2 2026 earnings

Reported August 6, 2026 · Before market open

Revenue$430.4MIn line
EPS$0.31Beat by $0.02
Revenue estimate$430.6M
EPS estimate$0.30
“Signing two U.S.-based customers for ACI Connetic is a significant milestone and validates both the strength of our cloud-native payments platform and the growing demand for payments modernization in the world's largest banking market. In the second quarter, we delivered 7% revenue growth, expanded EBITDA margins and continued to execute our balanced capital allocation strategy. We continued to invest in ACI Connetic to support long-term organic growth and, at the same time, returned capital to shareholders through share repurchases. As a result of our strong first-half performance, we are increasing our full-year revenue and adjusted EBITDA guidance. We enter the second half of 2026 with strong momentum, a healthy pipeline and confidence in our ability to create long-term shareholder value.”
Thomas Warsop

Next report

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

Financials

Q2 2026

Income statement

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Revenue$430.4M+7.3%
Gross profit$181.6M+9.1%
Operating income$44.6M+28.1%
Net income$31.8M+161%
EPS (diluted)$0.31+158%

Balance sheet

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Cash & equivalents$224.5M-24.9%
Total debt$849.5M-8.7%
Total equity$1.5B+7.4%
Total assets$3.1B-1.4%

Cash flow

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Operating cash flow$70.8M+42.2%
CapEx$6.9M+218%
Free cash flow$63.9M+34.2%

Valuation & ratios

Valuation

as of 09/16/26
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Market cap$5.18B+1.6%
Enterprise value$5.8B+1.3%
P/E22.9×+2.6×
P/S2.8×-0.2×

Profitability

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Gross margin49.1%-1.2pp
Operating margin18.6%-1.3pp
Net margin12.4%-2.4pp
FCF margin17.1%-0.2pp

Returns & leverage

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Return on equity15.6%-3.5pp
Debt / equity0.6×-0.1×
Current ratio1.6×+0.1×

Segments

By product

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Bill payments$234.1M+5.5%
Issuing and acquiring$116.3M+36.8%
License$68.8M+21.3%
Maintenance$51.6M+2.3%
Merchant payments$41.1M+3.7%

By segment

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Biller$234.1M+5.5%
Payment Software$196.4M+9.5%

FAQ

When did ACI Worldwide report Q2 2026 earnings?
ACI Worldwide (ACIW) reported Q2 2026 earnings on August 6, 2026 before market open.
What were ACI Worldwide's Q2 2026 revenue and EPS?
ACI Worldwide reported revenue of $430.4M and eps of $0.31 for Q2 2026.
Did ACI Worldwide beat estimates in Q2 2026?
Revenue missed the consensus estimate of $430.6M by $173.3K. EPS beat the consensus estimate of $0.29 by $0.02.
How did ACI Worldwide's Q2 2026 results compare year-over-year?
Compared to the same quarter a year prior, revenue grew 7.3% from $401.3M a year earlier and eps declined 11.4% from $0.35.
Where can I find ACI Worldwide's Q2 2026 SEC filings?
You can read the 8-K earnings release (0000935036-26-000026) and the 10-Q periodic report (0000935036-26-000028) directly on SEC EDGAR. The filing index links above go to sec.gov.