Revenue: As of FY2026 Q2, the actual value is USD 430.42 M, missing the estimate of USD 430.6 M.

EPS: As of FY2026 Q2, the actual value is USD 0.31, beating the estimate of USD 0.295.

EBIT: As of FY2026 Q2, the actual value is USD 45.31 M.

Q2 2026 Financial Summary

Operational Metrics

• Net income for ACI Worldwide, Inc. was $32 million in Q2 2026, an increase from $12 million in Q2 2025.
• Total adjusted EBITDA was $91 million, marking a 12% increase from Q2 2025, or 9% on a constant currency basis.
• The net adjusted EBITDA margin reached 34% in Q2 2026, up from 32% in Q2 2025.
• Operating income was $44,649 thousand in Q2 2026, compared to $34,858 thousand in Q2 2025.
• Total operating expenses were $385,774 thousand in Q2 2026, an increase from $366,400 thousand in Q2 2025.

Segment Revenue

• Payment Software revenue was $196 million, an increase of 9% from Q2 2025, or 7% on a constant currency basis.
  • Issuing and Acquiring revenue increased 33% on a constant currency basis.
  • Payments Intelligence and Merchant Payments revenue each increased 3% on a constant currency basis.
  • Real-Time Payments revenue was $23 million.
• Biller revenue was $234 million, up 5% from Q2 2025 on both reported and constant currency bases.
  • Biller revenue, net of interchange fees, was $68 million, a decrease of 3% from Q2 2025.

Segment Operating Metrics

• Payment Software adjusted EBITDA was $94 million, up 12% from Q2 2025, or 9% on a constant currency basis.
  • The net adjusted EBITDA margin for Payment Software was 48%, up from 46% in Q2 2025.
• Biller adjusted EBITDA was $35 million, down 13% from Q2 2025.
  • The net adjusted EBITDA margin for Biller, net of interchange fees, was 51%, down from 56% in Q2 2025.

Unique Metrics

• Total recurring revenue was $336 million, up 5% from Q2 2025, or 4% on a constant currency basis.
  • Payment Software recurring revenue increased 3%, or 2% on a constant currency basis.
  • Biller recurring revenue was $234.1 million.
• Net new ARR bookings were $18 million, a decrease of 25% from Q2 2025.
• New license and services bookings were $59 million, up 2% from Q2 2025.

Year-to-Date 2026 Financial Summary

Operational Metrics

• Net income was $70 million for year-to-date 2026, compared to $71 million for year-to-date 2025.
• Total adjusted EBITDA was $196 million, up 12% from year-to-date 2025, or 8% on a constant currency basis.
• The net adjusted EBITDA margin was 36%, up from 34% in year-to-date 2025.
• Operating income was $102,139 thousand in YTD 2026, compared to $93,374 thousand in YTD 2025.
• Total operating expenses were $754,033 thousand in YTD 2026, compared to $702,449 thousand in YTD 2025.

Cash Flow and Liquidity

• Operating cash flows were $135 million for year-to-date 2026, an increase from $128 million for year-to-date 2025.
• ACI Worldwide, Inc. ended Q2 2026 with $167 million in cash on hand.
• The debt balance was $826 million, resulting in a net debt leverage ratio of 1.2x adjusted EBITDA.
• Total cash and available liquidity under its credit facility stood at $540 million.

Share Repurchases

• During Q2 2026, the company repurchased approximately 948,000 shares for approximately $41 million at an average price of $43.75.
• Year-to-date repurchases totaled 2.5 million shares for approximately $107 million at an average price of $42.75.
• ACI Worldwide, Inc. has approximately $349 million remaining available on its share repurchase authorization.

Balance Sheet (as of June 30, 2026)

• Total assets were $3,095,270 thousand.
• Total liabilities were $1,598,526 thousand, with current liabilities amounting to $723,432 thousand.
  • Current liabilities included accounts payable of $66,457 thousand, settlement liabilities of $444,734 thousand, employee compensation of $38,318 thousand, current portion of long-term debt of $40,973 thousand, deferred revenue of $75,654 thousand, and other current liabilities of $57,296 thousand.
  • Noncurrent liabilities included long-term debt of $781,204 thousand.

Outlook / Guidance

ACI Worldwide, Inc. has raised its full-year 2026 financial guidance for revenue and adjusted EBITDA due to strong first-half performance and a healthy pipeline.The company now anticipates full-year 2026 revenue to be in the range of $1.895 billion to $1.925 billion and adjusted EBITDA between $545 million and $560 million.For Q3 2026, revenue is projected to be $417 million to $427 million, with adjusted EBITDA expected between $90 million and $95 million.