Aci Worldwide, Inc. · NASDAQ:ACIW
Aci Worldwide — Q2 2026 Earnings Presentation
17 slides from Aci Worldwide's earnings presentation, Aug 6, 2026
Slide 1: Earnings Presentation Q2 2026
Earnings Presentation Q2 2026 August 6, 2026
Slide 2: Reform Act of 1995 Safe Harbor for Forward-Looking Statements
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 of the Private Securities Liti
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: ACI Financial Results Q2 2026 - CEO Perspective
ACI Financial Results Q2 2026 CEO Perspective "Signing two U.S.-based customers for ACI Connetic is a significant milestone and validates both the strength of our cloud-native payments platform and the growing demand for payments modernization in the world's largest banking market. "In the second qu
Slide 5: First Half 2026 and Q2 2026 Highlights
First Half 2026 and Q2 2026 Highlights Continued Growth Momentum Entering Second Half 2026 Q2 revenue of $430M, up 7% versus Q2 2025 (6% Strong financial position with $167M in cash and 1.2x in constant currency) net debt leverage ratio* Q2 GAAP net income of $32M and adjusted Balanced use of cash.
Slide 6: First Half and Q2 2026 Payment Software
First Half 2026 Payment Software Segment Revenue Segment EBITDA Segment Detail Payment Software revenue was $410M, up Payment Software adjusted EBITDA was Merchant Payments revenue up 12% 5% versus first half of 2025 $207M, up 5% versus first half of 2025 Payment Software recurring revenue was Payme
Slide 7: First Half and Q2 2026 Biller
First Half 2026 Biller Segment Revenue Segment EBITDA Segment Detail Biller revenue was $446M, up 7% versus Biller adjusted EBITDA was $69M, down Speedpay ONE gaining momentum first half of 2025 3% versus first half of 2025 Biller interchange was $312M, versus Biller net adjusted EBITDA margin of 51
Slide 8: First Half 2026 Cash Flow, Balance Sheet and Repurchases
First Half 2026 Cash Flow, Balance Sheet and Repurchases Cash Flow Balance Sheet and Liquidity* Uses of Cash* Cash flow from operations was $135M $167M cash on hand Repurchased approximately 2.5M shares YTD 2026 versus $128M in first half of 2025 for approximately $107M; average price of $42.75 $826
Slide 9: 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 $ in millions • Expect both Payment Softwar
Slide 10: Supplemental Financial Data
Supplemental Financial Data
Slide 11: Supplemental Financial Data: Recurring Revenue and Bookings
Supplemental Financial Data Three Months Ended June 30, Six Months Ended June 30, Recurring Revenue (millions) 2026 2025 2026 2025 SaaS and PaaS fees $ 284.8 $ 271.3 $ 546.7 $ 508.3 Maintenance fees 51.6 50.4 102.5 99.1 Recurring Revenue $ 336.3 $ 321.7 $ 649.2 $ 607.4 Three Months Ended June 30, TT
Slide 12: Supplemental Financial Data: Adjusted EBITDA
Supplemental Financial Data Three Months Ended June 30, Six Months Ended June 30, Adjusted EBITDA (millions) 2026 2025 2026 2025 Net income $ 31.8 $ 12.2 $ 70.1 $ 71.1 Plus: Income tax expense 7.1 5.7 19.2 18.4 Net interest expense 6.4 10.6 15.0 21.2 Net other (income) expense (0.7) 6.4 (2.2) (17.3)
Slide 13: Supplemental Financial Data: Segment Information
Supplemental Financial Data Three Months Ended June 30, Six Months Ended June 30, Segment Information (millions) 2026 2025 2026 2025 Revenue Payment Software $ 196.4 $ 179.3 $ 409.8 $ 380.1 Biller 234.1 221.9 446.3 415.7 Total Revenue $ 430.4 $ 401.3 $ 856.2 $ 795.8 Recurring Revenue Payment Softwar
Slide 14: Supplemental Financial Data: EPS Impact
Supplemental Financial Data EPS Impact of Non-cash and Significant Transaction-related Items (millions) Three Months Ended June 30, 2026 2025 $ in Millions $ in Millions EPS Impact (Net of Tax) EPS Impact (Net of Tax) GAAP net income $ 0.31 $ 31.8 $ 0.12 $ 12.2 Adjusted for: Significant transaction-
Slide 15: 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 16: 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 17: MCI Worldwide
- MCI Worldwide