What is the revenue and EPS growth rate for ACI Worldwide year over year?

What is the market's earnings forecast for ACI Worldwide next quarter?

What is ACI Worldwide's latest dividend and current dividend yield?

Did ACI Worldwide beat or miss consensus estimates last quarter?

What is ACI Worldwide's gross profit margin?

What factors drove the changes in ACI Worldwide's revenue and profit?

What does ACI Worldwide do and what are its main business segments?

What guidance did ACI Worldwide's management provide for the next earnings period?

- **Revenue Growth**: 7% total, driven by Biller and Software segments.
- **Strategic Wins**: Solaris as first Connetic customer.
- **Risk Mitigation**: Diversified customer base and cost controls.
- **Share Buybacks**: $500M authorization to return capital.


**【Management Opening Remarks】**
- John Kraft provided an overview of the agenda and highlighted the importance of the ACI Connetic platform and customer wins, such as Solaris.
- Emphasis on cost management and strategic partnerships like BitPay for crypto and stablecoin solutions.

**【CEO Summary】**
- Q3 revenue growth driven by Biller (10% YoY) and Payment Software (4% YoY) segments.
- ACI Connetic's first customer, Solaris, showcasing expansion into European markets.
- 7% total revenue growth with 10% recurring revenue increase.
- Focus on reducing macroeconomic risks through diversified customer base.

**【CFO Financial Details】**
- Total revenue $442M (7% YoY), EBITDA $171M (2% YoY).
- Raised 2025 guidance to $1.73-1.75B.
- Repurchased 3.1M shares, with $500M buyback authorization.

**【Q&A Highlights】**
- Pricing strategy: 50% of ARR in fixed-term contracts.
- Risks include macroeconomic factors and competition in Biller segment.
- Solaris deal underscores European market expansion.
- BitPay partnership enhances crypto capabilities without direct revenue impact.
- Payment Components acquisition for Connetic integration.


ACI Worldwide, Inc. (ACIW) Q3 2025 Earnings Call Transcript

- **Revenue Growth Acceleration**: Q2 2025 revenue up 7% YoY, with H1 growth of 15%. Full-year guidance raised to $1.71–$1.74 billion.
- **Connetic Platform Success**: Next-gen payments hub launched with strong interest in real-time payments, driving 86% Q2 ARR bookings growth.
- **Stablecoin Readiness**: ACI solutions support stablecoin transactions, positioning for cross-border real-time payment growth.
- **Share Repurchase Momentum**: $134 million repurchased H1, with $223 million remaining under authorization.
- **Updated Financial Guidance**: Adjusted EBITDA guidance increased to $490–$505 million, reflecting strong H1 performance and pipeline confidence.

**【CEO Summary Section】**
- **Revenue Growth**: Q2 2025 revenue increased 7% YoY to $401 million, with first-half growth of 15%. Full-year guidance raised to $1.71–$1.74 billion.
- **Segment Performance**: Biller segment grew 16% Q2 and 13% H1, driven by government, consumer finance, and utility solutions. Payment Software segment was flat Q2 but up 18% H1.
- **ARR Bookings**: Q2 ARR bookings surged 86%, bringing H1 growth to 71%. Notable new contracts and renewals signed.
- **Connetic Launch**: Next-gen payments hub platform launched in May, with interest in real-time payments and wire transfers. Feedback from potential customers is overwhelmingly positive.
- **Share Repurchases**: 2.4 million shares repurchased in Q2, totaling $134 million for the half-year. $223 million remaining under the buyback authorization.
- **Stablecoin Positioning**: ACI solutions support stablecoin transactions, with potential for cross-border real-time payments. The company is actively engaging with stablecoin ecosystem players.

**【CFO Financial Commentary】**
- **Financial Highlights**: Q2 adjusted EBITDA of $181 million, down 13% YoY due to license timing. H1 adjusted EBITDA grew 24% to $366 million. Cash balance of $190 million and net leverage ratio of 1.4x.
- **Segment EBITDA**: Biller segment EBITDA up 6% Q2 and 13% H1. Payment Software EBITDA down 12% Q2 but up 29% H1, driven by recurring revenue growth.
- **Guidance Update**: Full-year revenue guidance raised to $1.71–$1.74 billion (prev. $1.69–$1.72 billion). Adjusted EBITDA guidance increased to $490–$505 million (prev. $480–$495 million). Q3 guidance: $460–$470 million revenue, $155–$165 million EBITDA.
- **Debt Management**: Retired $400 million senior notes and expanded credit facility maturing in 2029.

**【Q&A Key Highlights】**
- **Stablecoin Discussions**: CEO emphasized ACI's readiness for stablecoin transactions, particularly in cross-border real-time payments. CFO noted potential for higher unit economics compared to traditional debit transactions.
- **Biller Segment Momentum**: CFO attributed Q2 Biller growth to IRS contracts and new logos, with pipeline strength expected to sustain H2 performance.
- **ARR Booking Diversity**: CEO highlighted ARR growth was diversified across geographies and customer types, with no single deal dominating results.
- **Capital Allocation**: CEO reaffirmed focus on buybacks (Q2 repurchases at 2.4% of shares outstanding) and strategic M&A for Connetic expansion or geographic growth.
- **Competitive Positioning**: CEO contrasted ACI's differentiated payments solutions with larger competitors, emphasizing customer trust and mission-critical role in global payments.

ACI Worldwide (ACIW)-7 Aug 25-2025 Q2 Earnings call transcript

- **Q1 Growth Records**: 25% revenue surge, 95% EBITDA expansion, driven by new business and modernization demand.
- **Connetic Momentum**: Early customers prioritize cloud migration; official launch tied to 50th anniversary in Q4 2025.
- **Biller Resilience**: 11% growth with IRS modernization tailwinds; disbursement partnerships target mid-sized financial institutions.
- **Financial Flexibility**: 1.2x net debt leverage, $230M cash, and $320M buyback authorization for shareholder returns.
- **Retirement Transition**: CFO Scott Behrens to retire soon, with succession planning underway.


**【CEO Summary Section】**
- Q1 2025 revenue grew 25% YoY to $395 million, with EBITDA up 95% to $94 million. Key drivers included new business signings and higher transaction volumes.
- **Payment Software Segment**: 42% revenue growth, 117% EBITDA increase. Signed largest competitive takeaway in Asia Pacific and a new logo in Latin America.
- **Connetic Platform**: Early adopters are prioritizing modernization, with a Middle Eastern bank expressing eagerness to implement. Official launch planned for Q4 2025.
- **Biller Segment**: 11% revenue growth, with new logos and 40% ARR bookings YoY. IRS tax processing modernization contributed to momentum.
- Full year guidance raised to $1.69B-$1.72B revenue, driven by early contract signings and FX tailwinds.

**【CFO Financial Commentary】**
- Q1 cash flow from operations: $78 million. Ending cash: $230 million; net debt leverage: 1.2x (target 2.0x).
- Share buybacks: 1M shares ($52M) YTD, with $320M remaining under authorization.
- FY25E revenue growth: 7%-9% (constant currency). Q2 2025 guidance: $375M-$385M revenue, $55M-$65M EBITDA.
- Scott Behrens announced retirement, with transition planned for near future.

**【Q&A Highlights】**
- **Macro Environment**: Customers (e.g., Middle Eastern banks) see modernization as opportunity, not risk. No material impact from trade tensions.
- **Stablecoins & Cross-Border**: ACI's real-time payment tech supports cross-border use cases (e.g., Singapore-India UPI integration). Crypto payments volumes remain negligible.
- **Connetic Adoption**: First live customers expected Q1 2026, with late 2025 sales pipeline development.
- **Biller Segment**: IRS modernization and nondiscretionary bill payment resilience support growth. Disbursement partnerships (e.g., Ingo Payments) expand into new verticals.
- **FX Impact**: 2025E revenue +$5M from weaker USD, primarily benefiting non-US Payment Software bookings.


ACI Worldwide (ACIW)-8 May 25-2025 Q1 Earnings call transcript

- **Record 2024 Performance**: 10% revenue growth, 18% EBITDA expansion, $359M cash flow (double 2023). 
- **Strategic Restructuring**: Bank + Merchant merger streamlines R&D, reduces duplication. New GM structure boosts execution.
- **2025 Strong Start**: Q1 guidance reflects $50M+ new logo win, 17-21% revenue growth.
- **Kinetic Breakthrough**: Cloud-native payments hub in pilot, targeting Tier-1 banks and large merchants.
- **Liquidity Strength**: $216M cash, 1.5x net debt leverage (vs. 2x target). 4% share buyback completed.


**【CEO Summary Section】**
- **2024 Financial Highlights**: Total revenue grew 10% YoY to $1.6 billion, adjusted EBITDA increased 18% to $466 million, and cash flow from operations doubled to $359 million.
- **Organizational Restructuring**: Merged Bank and Merchant segments into Payment Software to leverage shared R&D and reduce operational complexity. New GM, Erich Litch, leads this unified business.
- **2025 Outlook**: Q1 revenue guidance of $360-370 million (17-21% YoY growth) reflects early contract signings, including a record $50M+ new logo in Asia-Pacific.
- **Strategic Initiatives**: Launched Kinetic (next-gen payments hub) with cloud-native architecture, targeting both banks and merchants. Signed largest competitive takeaway in APAC, a Tier-1 bank adopting flagship solutions.

**【CFO Financial Commentary】**
- **Segment Performance**: 
  - Bank Segment: 14% revenue growth, 20% EBITDA growth
  - Merchant Segment: 10% revenue growth, 57% EBITDA growth
  - Biller Segment: 6% revenue growth, 51% EBITDA margin
- **2025 Guidance**: 
  - Revenue: $1.685-1.715 billion (7-9% YoY)
  - Adjusted EBITDA: $480-495 million
  - Q1 EBITDA: $70-80 million (43-63% YoY growth)
- **Liquidity**: Ended 2024 with $216M cash, reduced debt by $100M, and repurchased 4% of shares.

**【Q&A Key Takeaways】**
- **Biller Segment Challenges**: 2024 EBITDA decline due to one-time margin benefits not recurring in 2024. 2025 bookings momentum strong, with Q4 ARR up 20% YoY.
- **Kinetic Progress**: MVP delivered under budget, with Phase 1 (account-to-account payments) in pilot. Phase 2 (cards, ACH) development underway.
- **Competitive Position**: Won record APAC deal by combining proven technology with modernization roadmap. Sales pipeline remains robust, with focus on Tier-2 banks and large merchants.
- **Renewal Strategy**: Signed 2025 renewals early to focus on new business. 2024 signings reduced seasonality, with 45% of 2025 revenue expected in first half vs. 43% in 2024.


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