ACI Worldwide reported its third‑quarter 2025 results on November 6, 2025, with total revenue of $482.4 million, a 7% year‑over‑year increase, and adjusted EBITDA of $171 million, up 2% from the same quarter in 2024. Net income rose to $91 million, a 5% gain, while year‑to‑date revenue reached $1.28 billion, up 12% from the first nine months of 2024. The company’s GAAP earnings per share were $0.88, beating the consensus estimate of $0.80 by $0.08, and its adjusted EPS of $1.09 surpassed the $0.99 estimate by $0.10, underscoring strong profitability despite modest revenue growth.
The earnings were driven by solid performance in both of ACI’s core business lines. Revenue from the Payment Software and Biller segments grew 12% year‑to‑date, with the Biller segment up 10% and the Payment Software segment up 4% year‑over‑year. The company also announced the signing of its first customer for the cloud‑native Connetic platform, a milestone that signals early traction for its next‑generation payments hub. In addition, ACI increased its share‑repurchase authorization to $500 million, reflecting confidence in its cash‑flow generation.
ACI Worldwide raised its full‑year 2025 guidance, projecting total revenue of $1.730 billion to $1.754 billion, up from the prior $1.710 billion to $1.740 billion range, and adjusted EBITDA of $495 million to $510 million, above the previous $490 million to $505 million range. Management cited continued demand for its software solutions, the momentum behind Connetic, and disciplined cost management as the basis for the upward revision, indicating a strong outlook for the remainder of the year.
Operating cash flow for the quarter increased to $73 million from $54 million in Q3 2024, reflecting higher operating leverage and effective working‑capital management. Adjusted EBITDA margin remained stable, driven by a higher mix of high‑margin software contracts and controlled operating expenses, offsetting the capital outlays associated with Connetic development and other strategic initiatives.
Market reaction to the earnings was muted, with investors focusing on valuation concerns and the broader market environment. Despite the earnings beat and guidance lift, the company’s results were largely priced in, leading to a cautious response from the market. Management emphasized the company’s confidence in its growth trajectory, noting that “Q3 continued our positive momentum, with strong revenue, adjusted EBITDA, and bookings growth.”
ACI Worldwide’s Q3 performance demonstrates resilience in a competitive payments‑technology landscape. The combination of recurring revenue growth, a successful launch of Connetic, and a higher share‑repurchase authorization positions the company to capitalize on digital‑payments demand while maintaining a disciplined approach to capital allocation.
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