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ACI Worldwide ACIW Q3 2025 earnings

Reported November 6, 2025 · Before market open

Revenue$482.4MBeat by $17.1M
EPS$1.09Beat by $0.10
Revenue estimate$465.2M
EPS estimate$0.99

Next report

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

Financials

Q3 2025

Income statement

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Revenue$482.4M+6.8%
Gross profit$259.2M+1.9%
Operating income$127.7M+4.2%
Net income$91.3M+12.1%
EPS (diluted)$0.88+14.3%

Balance sheet

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Cash & equivalents$253.4M-5.7%
Total debt$899.6M-12.4%
Total equity$1.5B+11.2%
Total assets$3.2B+2.2%

Cash flow

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Operating cash flow$73.0M+35.2%
CapEx$3.4M-3.0%
Free cash flow$69.6M+37.9%

Valuation & ratios

Valuation

as of 09/30/25
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Market cap$5.45B+2.2%
Enterprise value$6.09B+0.1%
P/E20.9×-2.6×
P/S3.1×-0.1×

Profitability

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Gross margin49.7%-2.5pp
Operating margin19.8%-2.3pp
Net margin15.1%+1.0pp
FCF margin18.1%-1.0pp

Returns & leverage

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Return on equity18.6%+0.7pp
Debt / equity0.6×-0.2×
Current ratio1.6×0.0×

Segments

By product

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Bill payments$198.3M+10.4%
Issuing and acquiring$183.3M+15.9%
License$162.0M+2.9%
Maintenance$51.4M+8.1%
Merchant payments$51.0M+1.7%

By segment

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Payment Software$284.0M—
Biller$198.3M+10.4%

FAQ

When did ACI Worldwide report Q3 2025 earnings?
ACI Worldwide (ACIW) reported Q3 2025 earnings on November 6, 2025 before market open.
What were ACI Worldwide's Q3 2025 revenue and EPS?
ACI Worldwide reported revenue of $482.4M and eps of $1.09 for Q3 2025.
Did ACI Worldwide beat estimates in Q3 2025?
Revenue beat the consensus estimate of $465.2M by $17.1M. EPS beat the consensus estimate of $0.99 by $0.10.
How did ACI Worldwide's Q3 2025 results compare year-over-year?
Compared to the same quarter a year prior, revenue grew 6.8% from $451.8M a year earlier and eps grew 41.6% from $0.77.
Where can I find ACI Worldwide's Q3 2025 SEC filings?
You can read the 8-K earnings release (0000935036-25-000029) and the 10-Q periodic report (0000935036-25-000031) directly on SEC EDGAR. The filing index links above go to sec.gov.