ACI Worldwide (ACIW) Earnings: Q3 2026 Results

The quarter ended September 30, 2026 and ACI Worldwide published the results on November 5, 2026. Revenue and diluted EPS are shown against Q3 2025, the same quarter a year earlier, which takes seasonal swings out of the comparison. ACI Worldwide reports EPS two ways: GAAP, under the accounting rules every US filer follows, and adjusted diluted, which leaves out items the company considers outside its operating results. The release reconciles the two, and when they diverge, the reconciliation says why.

• ACI Worldwide's quarterly revenue moves with the timing of license renewals. ACI said its 2026 Payment Software renewals are concentrated in the fourth quarter.
• Segment revenue is from the release's segment table in millions and may not add exactly because of rounding.

Source: ACI Worldwide Q3 2026 results, November 5, 2026. Also in the Form 10-Q for the quarter ended September 30, 2026. Figures as reported; checked against the release on November 10, 2026.

How ACI Worldwide splits revenue in its own release, under its own labels, for Q3 2026 against Q3 2025. Indented lines are parts of the line above them.

• ACI Worldwide's Payment Software revenue was $216 million in Q3 2026, down 24% from $284 million in Q3 2025, 51% of total revenue.
• ACI Worldwide's Biller revenue was $210 million in Q3 2026, up 6% from $198 million in Q3 2025, 49% of total revenue.

Segment lines are the figures writers cite most often, because they show where the growth in a quarter came from. Companies redraw their segments from time to time and restate the prior year to match, so a year-ago figure here can differ from the one printed a year ago. When that has happened, the note above says so.

From the earnings release

In its Q3 2026 release, ACI Worldwide said:

“The company expects revenue in the range of $1.895 billion to $1.925 billion and adjusted EBITDA in the range of $550 million to $565 million, which is up from the range of $545 million to $560 million.”

“The company expects Q4 2026 revenue of $612 million to $642 million and adjusted EBITDA of $257 million to $272 million.”

“The company continues to expect upper-single-digit Payment Software revenue growth for the full-year 2026, with the strongest quarterly growth in the fourth quarter.”

“Based on new business wins and current transaction trends, the company continues to expect upper-single-digit Biller revenue growth for the full-year 2026.”

Source: ACI Worldwide Q3 2026 release, Nov 5, 2026.

This is the company's own guidance as of Nov 5, 2026, quoted as given. Walnut does not make forecasts of its own. Analyst estimates for the coming quarters are on the ACIW forecast page.

Revenue and diluted EPS for the last 5 quarters. Each date links to that quarter's release.

GAAP total revenues and diluted EPS, each as first reported in that quarter's release.

We do not hold a confirmed date for ACI Worldwide's next report. Companies post the date on their investor relations site a few weeks ahead, usually with the time of the conference call.

Each quarter keeps its own page with the figures as reported, so a link to one stays pointed at the same numbers after the next report.

• Q3 2026 (this page), reported Nov 5, 2026

ACI Worldwide sells payments software to banks, intermediaries and merchants and runs bill payment services for billers. In Q3 2026 total revenues were $426.8 million, down 12% from $482.4 million, which ACI attributed primarily to the timing of this year's license renewals. By type, software as a service and platform as a service brought in $258.3 million, license $94.8 million, maintenance $51.0 million and services $22.7 million. (ACI Worldwide Q3 2026 release, Nov 5, 2026)

ACI Worldwide's Payment Software segment had revenue of $216.4 million, down 24% from $284.0 million, because 2026 renewals are concentrated in the fourth quarter. License revenue fell $67.2 million, or 41%, and the 10-Q put that down to license renewal timing and the relative size of new license and capacity events. Recurring revenue in the segment, SaaS and maintenance, was $98.9 million against $100.0 million. (ACI Worldwide Q3 2026 release, Nov 5, 2026; ACI Worldwide Form 10-Q, Q3 2026, Nov 5, 2026)

The Biller segment, which provides electronic bill presentment and payment for companies in areas such as consumer finance, insurance, healthcare, utilities and government, had revenue of $210.4 million, up 6% from $198.3 million. All of it is recurring. Net of interchange fees, Biller revenue was $66 million, up 5%. (ACI Worldwide Q3 2026 release, Nov 5, 2026; ACI Worldwide Form 10-Q, Q3 2026, Nov 5, 2026)

Recurring revenue across ACI Worldwide was $309.3 million in the quarter, up 4%. The United States accounted for $263.7 million of total revenue and other countries $163.1 million, and no single customer accounted for more than 10% of revenue. (ACI Worldwide Q3 2026 release, Nov 5, 2026; ACI Worldwide Form 10-Q, Q3 2026, Nov 5, 2026)

ACI Worldwide's 60-month backlog estimate was $7,374 million at September 30, 2026, against $7,259 million at December 31, 2025: $3,439 million in Payment Software and $3,935 million in Biller. Of the total, $2,123 million was committed and $5,251 million assumed renewals. (ACI Worldwide Form 10-Q, Q3 2026, Nov 5, 2026)

ACI Worldwide's GAAP diluted EPS was $0.32 in Q3 2026, against $0.88 a year earlier, and adjusted diluted EPS was $0.54, against $1.09. Net income fell to $32.5 million from $91.3 million as the lower license revenue cut operating income to $52.4 million from $127.7 million. (ACI Worldwide Q3 2026 release, Nov 5, 2026)

Adjusted EPS adds back $0.22 a share: non-cash stock-based compensation ($0.14), amortization of acquisition-related intangibles ($0.04) and significant transaction-related expenses ($0.04). The effective tax rate was 23%, the same as a year earlier. (ACI Worldwide Q3 2026 release, Nov 5, 2026; ACI Worldwide Form 10-Q, Q3 2026, Nov 5, 2026)

ACI Worldwide's diluted share count fell to 101.3 million from 103.9 million. It repurchased about 935,000 shares for about $50 million in Q3 2026 and 3.4 million shares for about $157 million in the first nine months, at an average price of $45.69, with $299 million of authorization left. (ACI Worldwide Q3 2026 release, Nov 5, 2026)

Diluted EPS divides net income by the weighted average number of shares outstanding in the quarter, plus the shares that options and other equity awards could add. Buybacks shrink that count and lift EPS for the same profit; share issuance and stock awards enlarge it.

ACI Worldwide gives quarterly and full-year revenue and adjusted EBITDA guidance in its release. With Q3 2026 results it kept full-year revenue guidance at $1.895 billion to $1.925 billion and raised adjusted EBITDA guidance to $550 million to $565 million, from $545 million to $560 million. (ACI Worldwide Q3 2026 release, Nov 5, 2026)

For Q4 2026 ACI Worldwide expects revenue of $612 million to $642 million and adjusted EBITDA of $257 million to $272 million. It expects upper-single-digit full-year revenue growth in both Payment Software and Biller, with Payment Software's strongest growth in the fourth quarter. It does not guide EPS. (ACI Worldwide Q3 2026 release, Nov 5, 2026)

A consensus figure is the average of the models published by the analysts who cover ACI Worldwide, collected by a data provider and revised up to the day of the report. A quarter that lands above it says how expectations were set as much as how the business did, and the share price on the day also reflects the guidance and the lines no consensus covers.

The consensus figures on this page are Yahoo Finance's, as pulled on the date shown. Each comes with the number of analysts behind it; the smaller that number, the more one revised estimate can move the average.

The figures below are the ones ACI Worldwide's own release and filings put weight on for Q3 2026, with the latest reported value for each.

What the quarter means for a holding is a separate question from what it reported. The case for and against owning ACIW is on is ACIW a buy or a sell?, what analysts expect next is on the ACIW forecast, and what the company does is on the ACI Worldwide (ACIW) stock page.

Every number on this page can be traced to a document ACI Worldwide published. Checking one takes a couple of minutes, and it is worth doing before you quote a figure anywhere.

• The results release is the document linked in the source line above. Companies publish it on their investor relations site at the moment results go out, and it carries the headline tables: revenue, operating income, net income and EPS for the quarter and the year-ago quarter.
• The same release is filed with the SEC as Exhibit 99.1 to a Form 8-K under Item 2.02, usually on the day of the report. The SEC copy does not change after the fact, which makes it the safer thing to link when you cite a number.
• The quarterly report (Form 10-Q) follows within a few weeks and carries the full financial statements, the segment note and management's discussion of what changed. The fourth quarter is covered by the annual report (Form 10-K) instead.
• Restated comparisons are flagged in the notes on this page. When a company redraws its segments or changes how it adjusts EPS, it restates the year-ago column, so the year-ago figure in a new release can differ from the one printed a year ago. This page always uses the comparison in the newer release, because that is the like-for-like one.

A walk-through of every line in a release, with what each one tells you, is in how to read an earnings report.