Company: ACIW
Filing Date: 2025-11-06
Form Type: 10-Q
Source: 0000935036-25-000031
Chunk: 97

Company: ACI WORLDWIDE, INC.
Filing Date: 2025-11-06
Form: 10-Q
Item: Part I, Item 8
Chunk 97
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 %5,120 4 %122,586 27 %Other income (expense):Interest expense(14,811)(3)%3,545 (19)%(18,356)(4)%Interest income3,676 1 %(195)(5)%3,871 1 %Other, net1,551 — %2,374 288 %(823)— %Total other income (expense)(9,584)(2)%5,724 37 %(15,308)(3)%Income before income taxes118,122 25 %10,844 10 %107,278 24 %Income tax expense26,872 6 %1,021 4 %25,851 6 %Net income$91,250 19 %$9,823 12 %$81,427 18 %

Revenues

Total revenue for the three months ended September 30, 2025, increased $30.6 million, or 7%, as compared to the same period in 2024.  

•The impact of certain foreign currencies strengthening against the U.S. dollar resulted in a $3.6 million increase in total revenue during the three months ended September 30, 2025, as compared to the same period in 2024. 

•Adjusted for the impact of foreign currency, total revenue for the three months ended September 30, 2025, increased $27.0 million, or 6%, as compared to the same period in 2024.

31

Software as a Service (“SaaS”) and Platform as a Service (“PaaS”) Revenue

The Company’s SaaS arrangements allow customers to use certain software solutions (without taking possession of the software) in a single-tenant cloud environment on a subscription basis. The Company’s PaaS arrangements allow customers to use certain software solutions (without taking possession of the software) in a multi-tenant cloud environment on a subscription or consumption basis. Included in SaaS and PaaS revenue are fees paid by our customers for use of our Biller solutions. Biller-related fees may be paid by our clients or directly by their customers and may be a percentage of the underlying transaction amount, a fixed fee per executed transaction, or a monthly fee for each customer enrolled. SaaS and PaaS costs include payment card interchange fees, the amounts payable to banks and payment card processing fees, which are included in cost of revenue in the condensed consolidated statements of