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ACI Worldwide ACIW Real-time payments — Revenue

Other product segments

Bill payments
$234.06M+5.5%
Issuing and acquiring
$116.33M+36.8%
License
$68.8M+21.3%
Maintenance
$51.56M+2.3%
Merchant payments
$41.13M+3.7%
Payments intelligence
$16.05M—

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Other financials

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

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Market cap$5.61B+27.0%
Enterprise value$6.24B+23.5%
P/E24.9×+7.3×
P/S3.1×+0.5×

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×

Where this comes from

Reported directly by ACI Worldwide in its filing.

Tagged under the XBRL concept us-gaap:RevenueFromContractWithCustomerExcludingAssessedTax.

The source filing: ACI Worldwide’s 10-Q, filed August 6, 2026.

Filed
Aug 6, 2026, 10:16 AM EDT
Fiscal quarter
Q2 FY2026
Calendar quarter
Q2 2026
Accession
0000935036-26-000028
Line itemPayment SoftwareBillerTotal
Bill payments—$234,056$234,056
Merchant payments41,125—41,125
Payments intelligence16,052—16,052
Real-time payments22,860—22,860
Issuing and acquiring116,330—116,330
Total$196,367$234,056$430,423
Three Months Ended June 30, 2025
Payment SoftwareBillerTotal

Item 1F. Financial Statements (unaudited)

FAQ

What is ACI Worldwide's real-time payments — revenue?
ACI Worldwide (ACIW) reported real-time payments — revenue of $22.86M in Q2 2026.
How has ACI Worldwide's real-time payments — revenue changed year-over-year?
ACI Worldwide's real-time payments — revenue decreased by 42.1% year-over-year, from $39.47M to $22.86M.
What is the long-term trend for ACI Worldwide's real-time payments — revenue?
Over 4 years (2021 to 2025), ACI Worldwide's real-time payments — revenue has grown at a 15.4% compound annual growth rate (CAGR), from $77.92M to $138.28M.
What does real-time payments — revenue mean?
This metric represents the total revenue generated from software solutions and services that facilitate immediate, irrevocable electronic fund transfers between parties. It captures the financial performance of the segment dedicated to instant payment processing, which is critical for modernizing digital banking and bill payment infrastructure. Growth in this area reflects the company's success in capturing market share within the evolving landscape of real-time, 24/7 payment ecosystems.

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