Slide 1: Investor Presentation Summer 2026
NASDAQ: ACIW Investor Presentation Summer 2026
Slide 2: Private Securities Litigation Reform Act of 1995 safe harbor
Private Securities Litigation Reform Act of 1995 safe harbor for forward-looking statements This presentation contains forward-looking statements based on current expectations that involve a number of risks and uncertainties. The forward-looking statements are made pursuant to safe harbor provisions
Slide 3: Powering the world’s payments ecosystem
Powering the world’s payments ecosystem ACI Worldwide, an original innovator in global payments technology, delivers transformative software solutions that power intelligent payments orchestration in real time so banks, billers, and merchants can drive growth, while continuously modernizing their pa
Slide 4: High-quality software model
High-quality software model • Accelerating organic revenue • Leading market position • High retention rates • Pricing power and large barriers to entry • Significant recurring revenue • Scalable model with improving margin • Low cash investment required • Strong cash flow and balance sheet 4
Slide 5: ACI positioned at the center of payment flows
ACI positioned at the center of payment flows Mary makes The point-of-sale terminal (or online The issuing software at Mary’s bank** receives the 1 a card 2 gateway) sends Mary’s card information to 5 financial message, ensures the card is valid, purchase the merchant’s acquiring software* identifie
Slide 6: Long-term, blue-chip, geographically diverse customer base
Long-term, blue-chip, geographically diverse customer base Expansion across international markets is driving new customer wins Americas EMEA Asia-Pacific http://blog.ebay.com/wp-content/uploads/2011/02/telefonica-o2.jpg 3,000+ Customers ~450 Customers ~250 Customers 6
Slide 7: Unrivaled leadership across our segments
Unrivaled leadership across our segments Banks and Intermediaries Merchants Billers 10 of the top 10 banks worldwide >80,000 >3,000 merchants powered by ACI directly billers in the US 60 and through PSPs >500 of the top 100 banks >250 globally 94 million bill pay transactions annually countries with
Slide 8: Accelerating organic growth
Accelerating organic growth Revenue (millions) Adjusted EBITDA (millions) CAGR 8% CAGR 10% 2,000 600 1,910 1,900 552 1,760 550 1,800 506 1,700 500 466 1,584 1,600 450 1,500 1,453 1,390 395 1,400 400 1,315 356 359 1,300 1,225 350 316 1,200 300 1,100 1,000 250 2020 2021 2022 2023 2024 2025 2026 2020 2
Slide 9: High-quality segment models
High-quality segment models “Gold standard” reputation for reliability, scalability, and functionality Payment Software Biller • Formerly Bank and Merchant segments • Biller direct in consumer finance, utilities & telco, insurance, higher education, and • Blue-chip customer base of the world’s large
Slide 10: Large, growing addressable market
Large, growing addressable market ACI software and platforms account for unrivaled volume of transactions Global payment transactions (volume) 1.9 9%+ 3.0 TRILLION CAGR transactions TRILLION transactions 2021 2026E1 1 GlobalData 10
Slide 11: Existing customers provide revenue base
Existing customers provide revenue base Low risk/very little downside risk for investors Existing customer base and high retention produces mid single-digit growth Price increases and CPI uplift Transaction growth Existing customer base (includes slight decline to account for attrition Year 1 Year 2
Slide 12: Cross sales to existing customers
Cross sales to existing customers Historic growth has mainly come through cross sales to existing Layering on cross sales increases growth Cross sales to existing customers Year 1 Year 2 Year 3 Year 4 Year 5 Note: Slides represent illustrative example 12
Slide 13: Add new logos, new applications
Add new logos, new applications Incremental growth = high reward for shareholders New opportunities, including bank modernization / hub accelerates growth New hub sales New logos and new applications Year 1 Year 2 Year 3 Year 4 Year 5 Note: Slides represent illustrative example 13
Slide 14: Balanced use of cash
Balanced use of cash Cash allocation from total cash flow generated in 2025 M&A 2% Share Debt repurchase repayments 63% 34% 14
Slide 15: Significant financial flexibility
Significant financial flexibility We intend to balance growth investments with returning cash to shareholders Allocation Priorities Organic growth Inorganic growth Returning cash to investments investments shareholders 15
Slide 16: 2026 financial guidance
2026 financial guidance Expect high single-digit revenue and adjusted EBITDA growth, with continued capital returns Next Quarter Guidance Full Year Guidance Q3 2026 FY 2026 Low High Low High Revenue $417 $427 $1,895 $1,925 Adjusted EBITDA $90 $95 $545 $560 #039;s in millions • Expect both Payment Softw
Slide 17: Longer-term outlook
Longer-term outlook Organic revenue High single-digit growth Additional upside with penetration into mid-tier banks Adjusted EBITDA Track revenue growth Cash flow Increasing EBITDA to cash flow conversion Target leverage 2.0x net debt/EBITDA 17
Slide 18: Appendix
Appendix Confidential 18
Slide 19: Non-GAAP financial measures
Non-GAAP financial measures Adjusted EBITDA (millions) For the Years Ended December 31, 2020 2021 2022 2023 2024 2025 Net income $ 73 $ 128 $ 142 $ 122 $ 203 $ 227 Plus: Income tax expense 26 47 64 26 47 80 Net interest expense 45 34 41 64 57 43 Net other (income) expense 1 1 (43) 8 1 (20) Depreciat
Slide 20: Non-GAAP financial measures
Non-GAAP financial measures To supplement our financial results presented on a GAAP basis, we use the non-GAAP measures indicated in the tables, which exclude significant transaction related expenses, as well as other significant non-cash expenses such as depreciation, amortization, and non-cash com
Slide 21: Forward-looking statements
Forward-looking statements This presentation contains forward-looking statements based on current expectations that involve a number of risks and uncertainties. Generally, forward-looking statements do not relate strictly to historical or current facts and may include words or phrases such as “belie
Slide 22: MCI Worldwide’
MCI Worldwide’