Company: ACIW
Filing Date: 2025-11-06
Form Type: 10-Q
Source: 0000935036-25-000031
Chunk: 108

Company: ACI WORLDWIDE, INC.
Filing Date: 2025-11-06
Form: 10-Q
Item: Part I, Item 8
Chunk 108
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359 $451,752 $1,278,182 $1,141,250 Segment Adjusted EBITDAPayment Software$181,666 $180,655 $371,505 $327,531 Biller32,086 30,920 102,766 99,092 Depreciation and amortization(24,140)(31,515)(72,226)(86,710)Stock-based compensation expense(17,381)(11,346)(45,419)(30,165)Corporate and unallocated expenses(44,525)(46,128)(135,546)(123,901)Interest, net(11,135)(14,485)(32,347)(44,004)Other, net1,551 (823)18,898 (1,692)Income before income taxes$118,122 $107,278 $207,631 $140,151 

Payment Software Segment Adjusted EBITDA increased $1.0 million for the three months ended September 30, 2025, compared to the same period in 2024, due to a $11.9 million increase in revenue primarily related to an increase in license revenues, partially offset by a $10.9 million increase in cash operating expense.

Biller Segment Adjusted EBITDA increased $1.2 million for the three months ended September 30, 2025, compared to the same period in 2024, due to a $18.7 million increase in revenue, partially offset by a $17.5 million increase in cash operating expense primarily for payment card interchange and other processing fees.

Payment Software Segment Adjusted EBITDA increased $44.0 million for the nine months ended September 30, 2025, compared to the same period in 2024, due to a $69.1 million increase in revenue primarily related to an increase in license and capacity revenue, partially offset by a $25.1 million increase in cash operating expense.

Biller Segment Adjusted EBITDA increased $3.7 million for the nine months ended September 30, 2025, compared to the same period in 2024, due to a $67.8 million increase in revenue, partially offset by a $64.1 million increase in cash operating expense primarily for payment card interchange and other processing fees.

Liquidity and Capital Resources

General

Our primary liquidity needs are: (i) to fund normal