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What were the key takeaways from ACI Worldwide's earnings call?

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- **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

Sales and Services Revenue

Financing Services Revenue

Other Revenue

Cost of Revenue

Cost of Goods and Services

Cost of Financing Services

Other Cost

Gross Profit

Other Operating Income

Operating Expenses

Selling, General and Administrative Expenses

Selling and Marketing Expenses

General and Administrative Expenses

Research and Development Expenses

Loss on Bad Debts

Loss on Impairment of Other Assets

Loss on Disposal of Assets

Other Operating Expenses

Operating Income

Non-Operating Income (Loss)

Income (Loss) from Affiliates

Income (Loss) from Associates

Income (Loss) from Joint ventures

Gain (Loss) on Other Investment

Gain (Loss) on Change in Fair Value

Gain (Loss) on Foreign Currency Exchange

Other Non-Operating Income (Loss)

Net Interest Expense

Interest Expense

Interest Income

Pretax Income From Continuing Operations

Income Tax Expense

Current Income Tax

Deferred Income Tax

Income Tax Adjustments

Net Income from Continuing Operations

Income from Discontinued Operations

Other Items Before Net Income

Net Income

Net Income Attributable to Minority Interests

Net Income Attributable to Owners of the Company

Preferred Stock Dividends

Other Adjustments

Net Income Attributable to Common Stockholders

Other Comprehensive Income

Total Comprehensive Income

Total Comprehensive Income Attributable to Minority Interests

Total Comprehensive Income Attributable to Owners of the Company

Basic EPS

Basic EPS from Continuing Operations

Basic EPS from Discontinued Operations

Diluted EPS

Diluted EPS from Continuing Operations

Diluted EPS from Discontinued Operations

ACIW

ACIW fundamentals

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