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ACI Worldwide ACIW Q4 2025 Annual earnings

Reported February 26, 2026 · Before market open

Revenue$481.6MBeat by $17.0M
EPS$0.63Miss by $0.17
Revenue estimate$464.6M
EPS estimate$0.80

Next report

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

Financials

Q4 2025

Income statement

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Revenue$481.6M+6.3%
Gross profit$255.3M+0.9%
Operating income$108.8M-11.0%
Net income$64.3M-34.7%
EPS (diluted)$0.62-33.3%

Balance sheet

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Cash & equivalents$259.0M-2.3%
Total debt$849.1M-11.2%
Total equity$1.5B+6.7%
Total assets$3.1B+2.6%

Cash flow

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Operating cash flow$121.8M-3.7%
CapEx$5.2M-25.4%
Free cash flow$116.6M-2.5%

Valuation & ratios

Valuation

as of 12/31/25
See full
Market cap$4.93B-9.5%
Enterprise value$5.52B-10.1%
P/E21.7×-5.1×
P/S2.8×-0.6×

Profitability

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Gross margin49%-1.3pp
Operating margin18.7%-0.6pp
Net margin12.9%+0.1pp
FCF margin17.6%-3.9pp

Returns & leverage

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Return on equity15.4%+0.6pp
Debt / equity0.6×-0.1×
Current ratio1.5×-0.1×

Segments

By product

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Issuing and acquiring$183.7M-1.9%
License$158.3M-0.6%
Maintenance$50.8M+8.7%
Merchant payments$42.4M+0.9%
Real-time payments$38.4M+27.2%

By segment

See full
Payment Software$278.0M—
Biller$203.6M+13.0%

FAQ

When did ACI Worldwide report Q4 2025 earnings?
ACI Worldwide (ACIW) reported Q4 2025 earnings on February 26, 2026 before market open.
What were ACI Worldwide's Q4 2025 revenue and EPS?
ACI Worldwide reported revenue of $481.6M and eps of $0.63 for Q4 2025.
Did ACI Worldwide beat estimates in Q4 2025?
Revenue beat the consensus estimate of $464.6M by $17.0M. EPS missed the consensus estimate of $0.80 by $0.17.
How did ACI Worldwide's Q4 2025 results compare year-over-year?
Compared to the same quarter a year prior, revenue grew 6.3% from $453.0M a year earlier and eps declined 41.7% from $1.08.
Where can I find ACI Worldwide's Q4 2025 SEC filings?
You can read the 8-K earnings release (0000935036-26-000009) and the 10-K periodic report (0000935036-26-000011) directly on SEC EDGAR. The filing index links above go to sec.gov.