ACI Worldwide, Inc. · NASDAQ:ACIW
ACI Worldwide — Q3 2026 Earnings Presentation
17 slides from ACI Worldwide's earnings presentation, Nov 5, 2026
Slide 1: Q3 2026 Earnings Presentation
Q3 2026 Exhibit 99.2 Earnings Presentation November 5, 2026
Slide 2: 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 Q3 2026
ACI Financial Results Q3 2026 “ACI executed well in the third quarter, delivering results ahead of expectations, demonstrating the significant progress we have achieved against our key strategic priorities. ARR bookings were particularly strong, reflecting healthy demand across the business. We cont
Slide 5: Year-to-date 2026 and Q3 2026 Highlights
Year-to-date 2026 and Q3 2026 Highlights Expect Strong Growth in Q4 2026 Q3 revenue of $427 million, net income of $33 million, adjusted EBITDA of $98 million YTD operating cash flow of $254 million, up 26% Q3 new ARR bookings up 86%, with growth across both Payment Software and Biller segments Succ
Slide 6: Q3 2026 Payment Software Segment Commentary
Q3 2026 Payment Software 6 Segment CommentarySegment EBITDASegment Revenue Successful go-live of first Connetic customerPayment Software adjusted EBITDA was $107M, down 41% versus Q3 2025 Payment Software revenue was $216M, down 23% versus Q3 2025 Acquired Cranium Ventures to add multi-rail card swi
Slide 7: Q3 2026 Biller Segment Commentary
Q3 2026 Biller 7 Segment CommentarySegment EBITDASegment Revenue Continued progress on interchange optimizationBiller adjusted EBITDA was $34M, up 4% versus Q3 2025 Biller revenue was $210M, up 6% versus Q3 2025 Strong new ARR bookingsBiller net adjusted EBITDA margin of 51%, in line with Q3 2025 Bi
Slide 8: Year-to-date 2026 Cash Flow, Balance Sheet and Repurchases
Year-to-date 2026 Cash Flow, Balance Sheet and Repurchases Uses of Cash*Balance Sheet and Liquidity*Cash Flow Repurchased approximately 3.4M shares YTD 2026 for approximately $157M; average price of $45.69 $219M cash on handCash flow from operations was $254M versus $201M in year-to-date 2025, up 26
Slide 9: 2026 Financial Guidance
2026 Financial Guidance Reiterating full year revenue guidance and raising full year adjusted EBITDA guidance Full Year GuidanceNext Quarter Guidance FY 2026Q4 2026 HighLowHighLow $1,925$1,895$642$612Revenue $565$550$272$257Adjusted EBITDA $ in millions • Expect both Payment Software and Biller segm
Slide 10: Supplemental Financial Data
Supplemental Financial Data
Slide 11: Recurring Revenue and New Bookings
Supplemental Financial Data Nine Months Ended September 30,Three Months Ended September 30, 2025202620252026Recurring Revenue (millions) $ 755.3$ 805.1$ 246.9$ 258.3SaaS and PaaS fees 150.5153.551.451.0Maintenance fees $ 905.7$ 958.5$ 298.3$ 309.3Recurring Revenue TTM Ended September 30,Three Months
Slide 12: Adjusted EBITDA Reconciliation
Supplemental Financial Data Nine Months Ended September 30,Three Months Ended September 30, 2025202620252026Adjusted EBITDA (millions) $ 162.3$ 102.6$ 91.3$ 32.5Net income Plus: 45.328.926.99.7Income tax expense 32.324.111.19.1Net interest expense (18.9)(1.1)(1.6)1.1Net other (income) expense 9.610.
Slide 13: Segment Information
Supplemental Financial Data Nine Months Ended September 30,Three Months Ended September 30, 2025202620252026Segment Information (millions) Revenue $ 664.1$ 626.2$ 284.0$ 216.4Payment Software 614.1656.8198.3210.4Biller $ 1,278.2$ 1,283.0$ 482.4$ 426.8Total Revenue Recurring Revenue $ 291.6$ 301.7$ 1
Slide 14: EPS Impact of Non-cash and Significant Transaction-related Items
Supplemental Financial Data Three Months Ended September 30, EPS Impact of Non-cash and Significant Transaction-related Items (millions) 20252026 $ in Millions (Net of Tax)EPS Impact $ in Millions (Net of Tax)EPS Impact $ 91.3$ 0.88$ 32.5$ 0.32GAAP net income Adjusted for: 0.90.013.90.04Significant
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’