Aci Worldwide, Inc. · NASDAQ:ACIW
Aci Worldwide — Q3 2025 Earnings Presentation
17 slides from Aci Worldwide's earnings presentation, Nov 6, 2025
Slide 1: Earnings Presentation Q3 2025
Earnings Presentation Q3 2025 November 6, 2025
Slide 2: Private Securities Litigation Reform Act of 1995 Safe Harbor for Forward-Looking Statements
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 pay
Slide 4: ACI Financial Results Q3 2025: CEO and CFO Perspective
ACI Financial Results Q3 2025 CEO and CFO Perspective “With 12% year-to-date growth in both revenue and adjusted EBITDA, we are delivering strong results and are once again raising our 2025 guidance. Our commitment to innovation, demonstrated by the progress of ACI Connetic and Thomas W. Warsop, III
Slide 5: Strong Growth and Financial Position
Strong Growth and Financial Position YEAR-TO-DATE 2025 AS OF SEPTEMBER 30, 2025 12% 40% $199M 1.3x NET ADJUSTED EBITDA REVENUE GROWTH CASH BALANCE NET DEBT LEVERAGE RATIO MARGIN* $346M $201M 3.1M $500M APPROVED REPURCHASE CASH FLOW FROM SHARES REPURCHASED ADJUSTED EBITDA* AUTHORIZATION ON OPERATING
Slide 6: Recent Announcements
Sponsors Recent Announcements 2-day premier payments summit bringing together leaders, innovators, and visionaries from across the payments ecosystem focusing on innovation and strategic discussions driving the future of the payments Solaris Selects ACI Connetic to Future-Proof Payments 300+ executi
Slide 7: Year-to-Date 2025 Highlights
Year-to-Date 2025 Highlights Consolidated Results Segment Results Share Repurchases Total revenue of $1,278M up 12% and total Payment Software revenue up 12%, with Repurchased approximately 3.1 million recurring revenue up 11% versus year-to- segment recurring revenue up 7% and shares YTD through Se
Slide 8: Raising 2025 Financial Guidance
Raising 2025 Financial Guidance Full Year Guidance Updated FY 2025 Prior FY 2025 Low High Low High Revenue $1,730 $1,754 $1,710 $1,740 Adjusted EBITDA $495 $510 $490 $505 $'s in millions 8
Slide 9: Q3 2025 Key Takeaways
Q3 2025 Key Takeaways Strong YTD; raising FY 2025 guidance for both revenue and adjusted EBITDA Q3 results were ahead of expectations for both Returned capital to shareholders, with 3.1 million revenue & adjusted EBITDA shares repurchased YTD through September 30, 2025 for $150 million in capital Si
Slide 10: Supplemental Financial Data
Supplemental Financial Data Confidential 10
Slide 11: Supplemental Financial Data
Supplemental Financial Data Three Months Ended September 30, Nine Months Ended September 30, Recurring Revenue (millions) 2025 2024 2025 2024 SaaS and PaaS fees $ 246.9 $ 223.4 $ 755.3 $ 674.5 Maintenance fees 51.4 47.5 150.5 144.0 Recurring Revenue $ 298.3 $ 270.9 $ 905.7 $ 818.5 Three Months Ended
Slide 12: Supplemental Financial Data
Supplemental Financial Data Three Months Ended September 30, Nine Months Ended September 30, Adjusted EBITDA (millions) 2025 2024 2025 2024 Net income $ 91.3 $ 81.4 $ 162.3 $ 104.6 Plus: Income tax expense 26.9 25.9 45.3 35.6 Net interest expense 11.1 14.5 32.3 44.0 Net other (income) expense (1.6)
Slide 13: Supplemental Financial Data
Supplemental Financial Data Three Months Ended September 30, Nine Months Ended September 30, Segment Information (millions) 2025 2024 2025 2024 Revenue Payment Software $ 284.0 $ 272.2 $ 664.1 $ 595.0 Biller 198.3 179.6 614.1 546.3 Total Revenue $ 482.4 $ 451.8 $ 1,278.2 $ 1,141.3 Recurring Revenue
Slide 14: Supplemental Financial Data
Supplemental Financial Data EPS Impact of Non-cash and Significant Transaction-related Items (millions) Three Months Ended September 30, 2025 2024 $ in Millions $ in Millions EPS Impact (Net of Tax) EPS Impact (Net of Tax) GAAP net income $ 0.88 $ 91.3 $ 0.77 $ 81.4 Adjusted for: Significant transac
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: Confident1ia6l
Confident1ia6l