# EDGAR Filing Document

**Accession Number:** 0000935036
**File Stem:** 0000935036-26-000019
**Filing Date:** 2026-5
**Character Count:** 50676
**Document Hash:** 5a417317cb784564d1491a247f4d7f46
**Contains OCR:** False
**Source Format:** 

## Filing Content

## Filing Summary
**0000935036-26-000019.hdr.sgml**: 20260507

**ACCESSION NUMBER**: 0000935036-26-000019

**CONFORMED SUBMISSION TYPE**: 8-K

**PUBLIC DOCUMENT COUNT**: 32

**CONFORMED PERIOD OF REPORT**: 20260507

**ITEM INFORMATION**: Results of Operations and Financial Condition

**ITEM INFORMATION**: Regulation FD Disclosure

**ITEM INFORMATION**: Financial Statements and Exhibits

**FILED AS OF DATE**: 20260507

**DATE AS OF CHANGE**: 20260507

**FILER**: 

**COMPANY DATA:**
- **COMPANY CONFORMED NAME:** ACI WORLDWIDE, INC.
- **CENTRAL INDEX KEY:** 0000935036
- **STANDARD INDUSTRIAL CLASSIFICATION:** SERVICES-PREPACKAGED SOFTWARE [7372]
- **ORGANIZATION NAME:** 06 Technology
- **EIN:** 470772104
- **STATE OF INCORPORATION:** DE
- **FISCAL YEAR END:** 1231

**FILING VALUES:**
- **FORM TYPE:** 8-K
- **SEC ACT:** 1934 Act
- **SEC FILE NUMBER:** 000-25346
- **FILM NUMBER:** 26950973

**BUSINESS ADDRESS:**
- **STREET 1:** 6060 COVENTRY DRIVE
- **CITY:** ELKHORN
- **STATE:** NE
- **ZIP:** 68022
- **BUSINESS PHONE:** 239-403-4600

**MAIL ADDRESS:**
- **STREET 1:** 6060 COVENTRY DRIVE
- **CITY:** ELKHORN
- **STATE:** NE
- **ZIP:** 68022

**FORMER COMPANY:**
- **FORMER CONFORMED NAME:** TRANSACTION SYSTEMS ARCHITECTS INC
- **DATE OF NAME CHANGE:** 19950109

?xml version='1.0' encoding='ASCII'? aciw-20260507

**UNITED STATES**

**SECURITIES AND EXCHANGE COMMISSION**

**Washington, D.C. 20549**

**___________________________**

**FORM 8-K** 

**___________________________**

**CURRENT REPORT**

**Pursuant to Section 13 OR 15(d) of The Securities Exchange Act of 1934**

Date of Report (Date of earliest event reported): May 7, 2026

**Commission File Number 0-25346** 

**ACI WORLDWIDE, INC.** 

**(Exact name of registrant as specified in its charter)**

---

| | | | |
|:---|:---|:---|:---|
| **Delaware** | **Delaware** | **Delaware** | **47-0772104** |
| **(State or other jurisdiction of incorporation or organization)** | **(State or other jurisdiction of incorporation or organization)** | **(State or other jurisdiction of incorporation or organization)** | **(I.R.S. Employer Identification No.)** |
| **6060 Coventry Drive** | **Elkhorn,** | **Nebraska** | **68022** |
| **(Address of Principal Executive Offices)** | **(Address of Principal Executive Offices)** | **(Address of Principal Executive Offices)** | **(Zip Code)** |

---

**(402) 390-7600** 

**(Registrant's telephone number, including area code)**

Check the appropriate box below if the Form 8-K filing is intended to simultaneously satisfy the filing obligation of the registrant under any of the following provisions:

☐ Written communications pursuant to Rule 425 under the Securities Act (17 CFR 230.425)

☐ Soliciting material pursuant to Rule 14a-12 under the Exchange Act (17 CFR 240.14a-12)

☐ Pre-commencement communications pursuant to Rule 14d-2(b) under the Exchange Act (17 CFR 240.14d-2(b))

☐ Pre-commencement communications pursuant to Rule 13e-4(c) under the Exchange Act (17 CFR 240.13e-4(c))

Securities registered pursuant to Section 12(b) of the Act:

---

| | | |
|:---|:---|:---|
| **Title of each class** | **Trading Symbol(s)** | **Name of each exchange on which registered** |
| **Common Stock, $0.005 par value** | **ACIW** | **Nasdaq Global Select Market** |

---

Indicate by check mark whether the registrant is an emerging growth company as defined in Rule 405 of the Securities Act of 1933 (§230.405 of this chapter) or Rule 12b-2 of the Securities Exchange Act of 1934 (§240.12b-2 of this chapter).

Emerging growth company ☐

If an emerging growth company, indicate by check mark if the registrant has elected not to use the extended transition period for complying with any new or revised financial accounting standards provided pursuant to Section 13(a) of the Exchange Act. ☐

------

**Item 2.02. Results of Operation and Financial Condition**.

On May 7, 2026, the Company issued a press release announcing its financial results for the three months ended March 31, 2026. A copy of this press release is attached hereto as Exhibit 99.1.

The foregoing information (including the exhibits hereto) is being furnished under "Item 2.02 – Results of Operations and Financial Condition" and "Item 7.01 – Regulation FD Disclosure." Such information (including the exhibits hereto) shall not be deemed "filed" for purposes of Section 18 of the Securities Exchange Act of 1934, as amended, nor shall it be deemed incorporated by reference in any filing under the Securities Act of 1933, as amended, except as shall be expressly set forth by specific reference in such filing.

The filing of this report and the furnishing of this information pursuant to Items 2.02 and 7.01 do not mean that such information is material or that disclosure of such information is required.

**Item 7.01. Regulation FD Disclosure.**

See "Item 2.02 – Results of Operation and Financial Condition" above.

**Item 9.01. Financial Statements and Exhibits.**

(d) Exhibits.

---

| | |
|:---|:---|
| <u>[99.1](aciw-20260507_exx991.htm)</u> | Press Release dated May 7, 2026 |
| <u>[99.2](aciw-20260507_ex992.htm)</u> | Investor presentation materials dated May 7, 2026 |
| 104 | Cover Page Interactive Data File (embedded within the Inline XBRL document) |

---

------

**SIGNATURE**

Pursuant to the requirements of the Securities Exchange Act of 1934, the registrant has duly caused this report to be signed on its behalf by the undersigned thereunto duly authorized.

---

| | | |
|:---|:---|:---|
| | ACI WORLDWIDE, INC.<br>(Registrant) | ACI WORLDWIDE, INC.<br>(Registrant) |
| Date: May 7, 2026 | By: | /S/ ROBERT W. LEIBROCK |
|  |  | Robert W. Leibrock |
|  |  | *Executive Vice President, Chief Financial Officer and Chief Accounting Officer*<br>*(Principal Financial Officer)* |

---

## Exhibit 99.1

**Exhibit 99.1**

![aciw-logoa.jpg](aciw-logoa.jpg)

**ACI Worldwide Reports Strong First Quarter 2026** 

**Results and Raises Full-Year Guidance**

**<u>Q1 2026 HIGHLIGHTS</u>**

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• ***Revenue of $426 million increased 8% (6% in constant currency)***

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;***• GAAP net income of $38 million and adjusted EBITDA of $105 million increased 12% (8% in constant currency)***

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;***• GAAP EPS of $0.37 and adjusted EPS of $0.61 increased 20% (15% in constant currency)***

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;***• Repurchased 1.5 million shares for $65 million***

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;***• Raising full-year 2026 guidance range for both revenue & adjusted EBITDA***

**Omaha, NE —** May 7, 2026 **—** ACI Worldwide (NASDAQ: ACIW), a leading provider of global payments technology, today announced financial results for the quarter ended March 31, 2026.

"Payments modernization continues to accelerate, and ACI is at the center of it," said Thomas Warsop, President and CEO of ACI Worldwide. "In the quarter, Real Time Payments and Merchant each grew more than 20%, Biller delivered 10% growth on top of last year's double-digit performance, and new ARR bookings grew 39% across the company. At the same time, our ACI Connetic pipeline continues to expand, underscoring strong market demand for our cloud-native payments platform. The decision last year to operate our Payment Software and Biller businesses as two distinct segments has sharpened our focus, accelerated organic growth, and consistently enabled us to outperform expectations. We are committed to our capital allocation framework, investing in organic growth, pursuing strategic M&A, and returning capital to shareholders."

"We entered 2026 with momentum, executed ahead of expectations in the first quarter, and are raising our full-year outlook," Warsop concluded.

------

**Q1 2026 FINANCIAL SUMMARY**

In Q1 2026, total revenue was $426 million, up 8%, from Q1 2025, or up 6% on a constant currency basis. Recurring revenue was $313 million, up 10% from Q1 2025, or up 8% on a constant currency basis. Net income of $38 million in Q1 2026 compares to net income of $59 million in Q1 2025, which included a $22 million after-tax gain on the sale of our minority interest in Mindgate. GAAP diluted EPS in Q1 2026 was $0.37 and adjusted diluted EPS was $0.61, up 20% from Q1 2025, or up 15% on a constant currency basis.

Total adjusted EBITDA in Q1 2026 was $105 million, up 12% from Q1 2025, or up 8% on a constant currency basis. Net adjusted EBITDA margin in Q1 2026 was 38%, up from 36% in Q1 2025.

**PAYMENT SOFTWARE SEGMENT RESULTS**

Payment Software revenue in Q1 2026 was $214 million, up 6%, from Q1 2025, or up 2% on a constant currency basis. The segment saw particular strength from Real Time Payments and Merchant, which increased 22% and 21% on a constant currency basis, respectively, versus Q1 2025. Payments Intelligence revenue decreased 3% on a constant currency basis in the quarter. Issuing and Acquiring revenue decreased 6% on a constant currency basis, against a strong prior-year comparison that saw 87% growth in Q1 2025. Recurring revenue in the segment, which represents SaaS and Maintenance revenues, increased 9%, versus Q1 2025, or 6% on a constant currency basis. SaaS revenue in Payment Software was $50 million, up 15% versus Q1 2025, or up 11% on a constant currency basis.

Payment Software adjusted EBITDA in Q1 2026 was $113 million, up 6% on a reported basis, or up 2% on a constant currency basis from Q1 2025. Net adjusted EBITDA margin was 53%, consistent with Q1 2025.

**BILLER SEGMENT RESULTS**

Biller revenue in Q1 2026 was $212 million, up 10% from Q1 2025 on a reported and constant currency basis. The increase was driven by higher transaction volumes with existing customers and new customer wins. Biller revenue, net of interchange fees, was $66 million, up 5%, from Q1 2025.

Biller adjusted EBITDA in Q1 2026 was $34 million, up 10%, from Q1 2025. Net adjusted EBITDA margin, net of interchange fees, was 51%, up from 49% in Q1 2025, reflecting operating leverage from incremental volumes generated by existing customers.

**NEW BOOKINGS**

Net new ARR bookings in Q1 2026 were $12 million, up 39%, from Q1 2025. New license and services bookings were $50 million in Q1 2026, consistent with Q1 2025.

**BALANCE SHEET AND LIQUIDITY, CASH FLOW, AND REPURCHASES**

ACI ended Q1 2026 with $162 million in cash on hand and a debt balance of $812 million, representing a net debt leverage ratio of 1.3x adjusted EBITDA. ACI had total cash and available liquidity under its credit facility of $560 million. Operating cash flows were $64 million in Q1 2026, down from $78 million in Q1 2025, reflecting a higher concentration of contract signings late in the quarter.

During Q1 2026, the company repurchased 1.5 million shares for approximately $65 million. Since the start of 2025, the company has bought back 5.7 million shares, or over 5% of total shares outstanding. The company has approximately $391 million remaining available on the share repurchase authorization and continues to expect to allocate 50-60% of operating cash flow to share repurchases for the full year, subject to market conditions.

------

**RAISING 2026 GUIDANCE** 

Based on Q1 2026 performance and the strength of its pipeline, the company is raising its full-year 2026 guidance. The company now expects revenue in the range of $1.89 billion to $1.92 billion, up from the prior range of $1.88 billion to $1.91 billion, and adjusted EBITDA in the range of $540 million to $555 million, up from $530 million to $550 million. For Q2 2026, the company expects revenue of $420 million to $440 million, and adjusted EBITDA of $85 million to $95 million.

**CONFERENCE CALL TO DISCUSS FINANCIAL RESULTS**

Today, management will host a conference call at 8:30 a.m. ET to discuss these results.

Participants may access the call as follows:

**Webcast:** http://investor.aciworldwide.com/

**Pre-registration (recommended):** https://events.q4inc.com/analyst/134451343?pwd=FRT1UsXC

**Dial-in:** +1 833 461 5787

**Conference ID:** 134451343

Pre-registration provides a unique passcode to join without operator assistance.

**About ACI Worldwide**

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 payment infrastructures, simply and securely. With 50 years of trusted payments expertise, we combine our global footprint with a local presence to offer enhanced payment experiences to stay ahead of constantly changing payment challenges and opportunities.© Copyright ACI Worldwide, Inc. 2026.

ACI, ACI Worldwide, ACI Payments, Inc., ACI Pay, Speedpay and all ACI product/solution names are trademarks or registered trademarks of ACI Worldwide, Inc., or one of its subsidiaries, in the United States, other countries or both. Other parties' trademarks referenced are the property of their respective owners.

For more information contact:

**Investor Relations**

John Kraft

SVP, Head of Strategy and Finance

305-894-2223 / john.kraft@aciworldwide.com

------

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 stock-based compensation, that we believe are helpful in understanding our past financial performance and our future results. The presentation of these non-GAAP financial measures should be considered in addition to our GAAP results and are not intended to be considered in isolation or as a substitute for the financial information prepared and presented in accordance with GAAP. Management generally compensates for limitations in the use of non-GAAP financial measures by relying on comparable GAAP financial measures and providing investors with a reconciliation of non-GAAP financial measures only in addition to and in conjunction with results presented in accordance with GAAP.

We believe that these non-GAAP financial measures reflect an additional way to view aspects of our operations that, when viewed with our GAAP results, provide a more complete understanding of factors and trends affecting our business. Certain non-GAAP measures include:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• Adjusted EBITDA: net income (loss) plus income tax expense (benefit), net interest income (expense), net other income (expense), depreciation, amortization and stock-based compensation, as well as significant transaction-related expenses. Adjusted EBITDA should be considered in addition to, rather than as a substitute for, net income (loss).

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• Net Adjusted EBITDA Margin: Adjusted EBITDA divided by revenue net of pass-through interchange revenue. Net Adjusted EBITDA Margin should be considered in addition to, rather than as a substitute for, net income (loss).

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• Adjusted Diluted EPS: diluted EPS plus tax effected significant transaction related items, amortization of acquired intangibles and software, and non-cash stock-based compensation. Adjusted diluted EPS should be considered in addition to, rather than as a substitute for, diluted EPS.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• Recurring Revenue: revenue from software as a service and platform as a service fees and maintenance fees. Recurring revenue should be considered in addition to, rather than as a substitute for, total revenue.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• ARR: New annual recurring revenue expected to be generated from new accounts, new applications, and add-on sales bookings contracts signed in the period.

------

**FORWARD-LOOKING STATEMENTS**

This press release 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 "believes," "will," "expects," "anticipates," "intends," and words and phrases of similar impact. The forward-looking statements are made pursuant to safe harbor provisions of the Private Securities Litigation Reform Act of 1995.

Forward-looking statements in this press release include, but are not limited to: (i) payments modernization continues to accelerate, and ACI is at the center of it, (ii) our ACI Connetic pipeline continues to expand, underscoring strong market demand for our cloud-native payments platform, (iii) we are committed to our capital allocation framework, investing in organic growth, pursuing strategic M&A, and returning capital to shareholders, (iv) our full-year outlook including Q2 2026 and full-year 2026 revenue and adjusted EBITDA financial guidance, and (v) expectations to allocate 50-60% of operating cash flow to share repurchases for the full year, subject to market conditions.

All of the foregoing forward-looking statements are expressly qualified by the risk factors discussed in our filings with the Securities and Exchange Commission. Such factors include, but are not limited to, increased competition, business interruptions, cybersecurity incidents or failure of our information technology and communication systems, security breaches, reliance on third-party cloud infrastructure and related services, reliance on third-parties, our ability to attract and retain senior management personnel and skilled technical employees, future acquisitions, strategic partnerships and investments, divestitures and other restructuring activities, implementation and success of our strategy, anti-takeover provisions, exposure to credit or operating risks arising from certain payment funding methods, loss caused by theft or fraud, customer reluctance to switch to a new vendor, our ability to adequately defend our intellectual property, litigation, consent orders and other compliance agreements, our offshore software development activities, risks from operating internationally, including fluctuations in currency exchange rates, adoption of ACI Connetic, adverse changes in the global economy, compliance of our products with applicable legislation, governmental regulations and industry standards, the complexity of our products and services and the risk that they may contain hidden defects, legal and business risks from artificial intelligence technology incorporated into our products, risks to our business from the use of artificial intelligence by our workforce, complex regulations applicable to our payments business, our compliance with privacy and cybersecurity regulations, compliance with requirements of the payment card networks and Nacha, exposure to unknown tax liabilities, changes in tax laws and regulations, consolidations and failures in the financial services industry, volatility in our stock price, demand for our products, failure to obtain renewals of customer contracts or to obtain such renewals on favorable terms, delay or cancellation of customer projects or inaccurate project completion estimates, changes in card association and debit network fees or products, impairment of our goodwill or intangible assets, the accuracy of management's backlog estimates, the cyclical nature of our revenue and earnings and the accuracy of forecasts due to the concentration of revenue-generating activity during the final weeks of each quarter, restrictions and other financial covenants in our debt agreements, our existing levels of debt, incurring additional debt, events outside of our control including natural disasters, wars, and outbreaks of disease, and revenues or revenue mix below expectations. For a detailed discussion of these risk factors, parties that are relying on the forward-looking statements should review our filings with the Securities and Exchange Commission, including our most recently filed Annual Report on Form 10-K and our Quarterly Reports on Form 10-Q.

------

**ACI WORLDWIDE, INC. AND SUBSIDIARIES**

**CONDENSED CONSOLIDATED BALANCE SHEETS**

**(unaudited and in thousands)**

---

| | | |
|:---|:---|:---|
| | **March 31, 2026** | **December 31, 2025** |
| **ASSETS** | | |
| &nbsp;&nbsp;&nbsp;&nbsp;**Current assets** | | |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Cash and cash equivalents | $161757 | $196462 |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Receivables, net of allowances | 456831 | 445866 |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Settlement assets | 460893 | 397346 |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Prepaid expenses | 35705 | 29876 |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Other current assets | 17821 | 19564 |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;**Total current assets** | 1133007 | 1089114 |
| &nbsp;&nbsp;&nbsp;&nbsp;**Noncurrent assets** |  |  |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Accrued receivables, net | 369078 | 391719 |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Property and equipment, net | 37528 | 37363 |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Operating lease right-of-use assets | 26526 | 28733 |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Software, net | 72063 | 77523 |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Goodwill | 1231026 | 1231128 |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Intangible assets, net | 141439 | 147062 |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Deferred income taxes, net | 66233 | 73124 |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Other noncurrent assets | 27722 | 29141 |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;**TOTAL ASSETS** | $3104622 | $3104907 |
| **LIABILITIES AND STOCKHOLDERS' EQUITY** |  |  |
| &nbsp;&nbsp;&nbsp;&nbsp;**Current liabilities** |  |  |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Accounts payable | $61842 | $64931 |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Settlement liabilities | 459870 | 396034 |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Employee compensation | 31716 | 56142 |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Current portion of long-term debt | 40957 | 40941 |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Deferred revenue | 79344 | 73637 |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Other current liabilities | 65650 | 73958 |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;**Total current liabilities** | 739379 | 705643 |
| &nbsp;&nbsp;&nbsp;&nbsp;**Noncurrent liabilities** |  |  |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Deferred revenue | 12651 | 13620 |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Long-term debt | 766438 | 776667 |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Deferred income taxes, net | 38006 | 38514 |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Operating lease liabilities | 20500 | 22609 |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Other noncurrent liabilities | 27012 | 28776 |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;**Total liabilities** | 1603986 | 1585829 |
| &nbsp;&nbsp;&nbsp;&nbsp;Commitments and contingencies |  |  |
| &nbsp;&nbsp;&nbsp;&nbsp;**Stockholders' equity** |  |  |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Preferred stock |  |  |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Common stock | 702 | 702 |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Additional paid-in capital | 771834 | 761523 |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Retained earnings | 1863049 | 1824743 |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Treasury stock | (1026803) | (964752) |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Accumulated other comprehensive loss | (108146) | (103138) |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;**Total stockholders' equity** | 1500636 | 1519078 |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;**TOTAL LIABILITIES AND STOCKHOLDERS' EQUITY** | $3104622 | $3104907 |

---

------

**ACI WORLDWIDE, INC. AND SUBSIDIARIES**

**CONDENSED CONSOLIDATED STATEMENTS OF OPERATIONS**

**(unaudited and in thousands, except per share amounts)**

---

| | | |
|:---|:---|:---|
| | **Three Months Ended March 31,** | **Three Months Ended March 31,** |
| | **2026** | **2025** |
| **Revenues** |  |  |
| &nbsp;&nbsp;&nbsp;&nbsp;Software as a service and platform as a service | $261957 | $237083 |
| &nbsp;&nbsp;&nbsp;&nbsp;License | 88041 | 84493 |
| &nbsp;&nbsp;&nbsp;&nbsp;Maintenance | 50918 | 48642 |
| &nbsp;&nbsp;&nbsp;&nbsp;Services | 24833 | 24347 |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;**Total revenues** | 425749 | 394565 |
| **Operating expenses** |  |  |
| &nbsp;&nbsp;&nbsp;&nbsp;Cost of revenue (1) | 228459 | 213378 |
| &nbsp;&nbsp;&nbsp;&nbsp;Research and development | 44092 | 38908 |
| &nbsp;&nbsp;&nbsp;&nbsp;Selling and marketing | 30236 | 32186 |
| &nbsp;&nbsp;&nbsp;&nbsp;General and administrative | 40216 | 27592 |
| &nbsp;&nbsp;&nbsp;&nbsp;Depreciation and amortization | 25256 | 23985 |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;**Total operating expenses** | 368259 | 336049 |
| **Operating income** | 57490 | 58516 |
| **Other income (expense)** |  |  |
| &nbsp;&nbsp;&nbsp;&nbsp;Interest expense | (12198) | (14683) |
| &nbsp;&nbsp;&nbsp;&nbsp;Interest income | 3606 | 4064 |
| &nbsp;&nbsp;&nbsp;&nbsp;Other, net | 1526 | 23740 |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;**Total other income (expense)** | (7066) | 13121 |
| **Income before income taxes** | 50424 | 71637 |
| &nbsp;&nbsp;&nbsp;&nbsp;Income tax expense | 12118 | 12767 |
| **Net income** | $38306 | $58870 |
| **Income per common share** |  |  |
| &nbsp;&nbsp;&nbsp;&nbsp;Basic | $0.38 | $0.56 |
| &nbsp;&nbsp;&nbsp;&nbsp;Diluted | $0.37 | $0.55 |
| **Weighted average common shares outstanding** |  |  |
| &nbsp;&nbsp;&nbsp;&nbsp;Basic | 101922 | 105350 |
| &nbsp;&nbsp;&nbsp;&nbsp;Diluted | 102843 | 106827 |

---

(1) The cost of revenue excludes charges for depreciation but includes amortization of purchased and developed software for resale.

------

**ACI WORLDWIDE, INC. AND SUBSIDIARIES**

**CONDENSED CONSOLIDATED STATEMENTS OF CASH FLOWS**

**(unaudited and in thousands)**

---

| | | |
|:---|:---|:---|
| | **Three Months Ended March 31,** | **Three Months Ended March 31,** |
| | **2026** | **2025** |
| Cash flows from operating activities: |  |  |
| &nbsp;&nbsp;&nbsp;&nbsp;Net income | $38306 | $58870 |
| &nbsp;&nbsp;&nbsp;&nbsp;Adjustments to reconcile net income to net cash flows from operating activities: |  |  |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Depreciation | 3400 | 3156 |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Amortization | 21919 | 20829 |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Amortization of operating lease right-of-use assets | 2337 | 2435 |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Amortization of deferred debt issuance costs | 412 | 650 |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Deferred income taxes | 6328 | (2463) |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Stock-based compensation expense | 16957 | 11627 |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Gain on sale of equity investment |  | (25927) |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Other | (590) | (718) |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Changes in operating assets and liabilities: |  |  |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Receivables | 10160 | 41640 |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Accounts payable | 937 | 7479 |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Accrued employee compensation | (24289) | (25182) |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Deferred revenue | 4903 | (4648) |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Other current and noncurrent assets and liabilities | (16533) | (9527) |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Net cash flows from operating activities | 64247 | 78221 |
| Cash flows from investing activities: |  |  |
| &nbsp;&nbsp;&nbsp;&nbsp;Purchases of property and equipment | (3003) | (2170) |
| &nbsp;&nbsp;&nbsp;&nbsp;Purchases of software | (11508) | (6759) |
| &nbsp;&nbsp;&nbsp;&nbsp;Proceeds from sale of equity investment |  | 46021 |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Net cash flows from investing activities | (14511) | 37092 |
| Cash flows from financing activities: |  |  |
| &nbsp;&nbsp;&nbsp;&nbsp;Proceeds from issuance of common stock | 905 | 813 |
| &nbsp;&nbsp;&nbsp;&nbsp;Proceeds from exercises of stock options | 64 | 582 |
| &nbsp;&nbsp;&nbsp;&nbsp;Repurchase of stock-based compensation awards for tax withholdings | (3839) | (7070) |
| &nbsp;&nbsp;&nbsp;&nbsp;Repurchases of common stock | (65277) | (14408) |
| &nbsp;&nbsp;&nbsp;&nbsp;Proceeds from revolving credit facility | 15000 |  |
| &nbsp;&nbsp;&nbsp;&nbsp;Repayment of revolving credit facility | (15000) | (70000) |
| &nbsp;&nbsp;&nbsp;&nbsp;Repayment of term portion of credit agreement | (10625) | (9375) |
| &nbsp;&nbsp;&nbsp;&nbsp;Payments on or proceeds from other debt, net | (3539) | (4217) |
| &nbsp;&nbsp;&nbsp;&nbsp;Net increase in settlement assets and liabilities | 18126 | 88324 |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Net cash flows from financing activities | (64185) | (15351) |
| Effect of exchange rate fluctuations on cash | (2419) | 1791 |
| Net increase (decrease) in cash and cash equivalents | (16868) | 101753 |
| Cash and cash equivalents, including settlement deposits, beginning of period | 258996 | 265018 |
| Cash and cash equivalents, including settlement deposits, end of period | $242128 | $366771 |
| Reconciliation of cash and cash equivalents to the Consolidated Balance Sheets |  |  |
| &nbsp;&nbsp;&nbsp;&nbsp;Cash and cash equivalents | $161757 | $230057 |
| &nbsp;&nbsp;&nbsp;&nbsp;Settlement deposits | 80371 | 136714 |
| Total cash and cash equivalents | $242128 | $366771 |

---

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---

| | | |
|:---|:---|:---|
| | **Three Months Ended March 31,** | **Three Months Ended March 31,** |
| **Adjusted EBITDA (millions)** | **2026** | **2025** |
| **Net income** | $38.3 | $58.9 |
| Plus: |  |  |
| &nbsp;&nbsp;&nbsp;&nbsp;Income tax expense | 12.1 | 12.8 |
| &nbsp;&nbsp;&nbsp;&nbsp;Net interest expense | 8.6 | 10.6 |
| &nbsp;&nbsp;&nbsp;&nbsp;Net other income | (1.5) | (23.7) |
| &nbsp;&nbsp;&nbsp;&nbsp;Depreciation expense | 3.4 | 3.2 |
| &nbsp;&nbsp;&nbsp;&nbsp;Amortization expense | 21.9 | 20.8 |
| &nbsp;&nbsp;&nbsp;&nbsp;Non-cash stock-based compensation expense | 17.0 | 11.6 |
| **Adjusted EBITDA before significant transaction-related expenses** | $99.8 | $94.1 |
| Significant transaction-related expenses: |  |  |
| &nbsp;&nbsp;&nbsp;&nbsp;Cost reduction strategies | $5.4 | $— |
| **Adjusted EBITDA** | $105.2 | $94.1 |
| Revenue, net of interchange: |  |  |
| &nbsp;&nbsp;&nbsp;&nbsp;Revenue | $425.7 | $394.6 |
| &nbsp;&nbsp;&nbsp;&nbsp;Interchange | 146.2 | 130.8 |
| **Revenue, net of interchange** | $279.5 | $263.8 |
| **Net adjusted EBITDA margin** | 38% | 36% |

---

---

| | | |
|:---|:---|:---|
| | **Three Months Ended March 31,** | **Three Months Ended March 31,** |
| **Segment Information (millions)** | **2026** | **2025** |
| **Revenue** |  |  |
| &nbsp;&nbsp;&nbsp;Payment Software | $213.5 | $200.7 |
| &nbsp;&nbsp;&nbsp;Biller | 212.3 | 193.9 |
| &nbsp;&nbsp;&nbsp;&nbsp;Total | $425.7 | $394.6 |
| **Recurring revenue** |  |  |
| &nbsp;&nbsp;&nbsp;Payment Software | $100.6 | $91.9 |
| &nbsp;&nbsp;&nbsp;Biller | 212.3 | 193.8 |
| &nbsp;&nbsp;&nbsp;&nbsp;Total | $312.9 | $285.7 |
| **Segment adjusted EBITDA** |  |  |
| &nbsp;&nbsp;&nbsp;Payment Software | $113.3 | $106.6 |
| &nbsp;&nbsp;&nbsp;Biller | 34.0 | 30.9 |

---

Note: Amounts may not recalculate due to rounding.

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---

| | | | | |
|:---|:---|:---|:---|:---|
| | **Three Months Ended March 31,** | **Three Months Ended March 31,** | **Three Months Ended March 31,** | **Three Months Ended March 31,** |
| | **2026** | **2026** | **2025** | **2025** |
| **EPS Impact of Non-cash and Significant Transaction-related Items (millions)** | **EPS Impact** | **$ in Millions<br>(Net of Tax)** | **EPS Impact** | **$ in Millions<br>(Net of Tax)** |
| **GAAP net income** | $0.37 | $38.3 | $0.55 | $58.9 |
| Adjusted for: |  |  |  |  |
| &nbsp;&nbsp;&nbsp;&nbsp;Gain on sale of equity investment |  |  | (0.20) | (21.7) |
| &nbsp;&nbsp;&nbsp;&nbsp;Significant transaction-related expenses | 0.04 | 4.1 |  |  |
| &nbsp;&nbsp;&nbsp;&nbsp;Amortization of acquisition-related intangibles | 0.04 | 4.2 | 0.04 | 4.1 |
| &nbsp;&nbsp;&nbsp;&nbsp;Amortization of acquisition-related software | 0.03 | 3.3 | 0.03 | 3.2 |
| &nbsp;&nbsp;&nbsp;&nbsp;Non-cash stock-based compensation | 0.13 | 13.4 | 0.09 | 9.2 |
| **Total adjustments** | $0.24 | $25.0 | $(0.04) | $(5.2) |
| **Adjusted Diluted EPS** | $0.61 | $63.3 | $0.51 | $53.7 |

---

---

| | | |
|:---|:---|:---|
| | **Three Months Ended March 31,** | **Three Months Ended March 31,** |
| **Recurring Revenue (millions)** | **2026** | **2025** |
| &nbsp;&nbsp;&nbsp;SaaS and PaaS fees | $262.0 | $237.1 |
| &nbsp;&nbsp;&nbsp;Maintenance fees | 50.9 | 48.6 |
| **Recurring revenue** | $312.9 | $285.7 |

---

---

| | | | | |
|:---|:---|:---|:---|:---|
| **New Bookings (millions)** | **Three Months Ended March 31,** | **Three Months Ended March 31,** | **TTM Ended March 31,** | **TTM Ended March 31,** |
|  | **2026** | **2025** | **2026** | **2025** |
| Annual recurring revenue (ARR) bookings | $12.4 | $8.9 | $73.8 | $68.3 |
| License and services bookings | 49.5 | 50.0 | 254.1 | 312.8 |

---

Note: Amounts may not recalculate due to rounding.

## Exhibit 99.2

![](aciw-20260507_ex992001.jpg)

Q1 2026 May 7, 2026 Exhibit 99.2 Earnings Presentation

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![](aciw-20260507_ex992002.jpg)

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 Litigation Reform Act of 1995. A discussion of these forward-looking statements and risk factors that may affect them is set forth at the end of this presentation. The Company assumes no obligation to update any forward-looking statement in this presentation, except as required by law.

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![](aciw-20260507_ex992003.jpg)

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 payment infrastructures, simply and securely. With 50 years of trusted payments expertise, we combine our global footprint with a local presence to offer enhanced payment experiences to stay ahead of constantly changing payment challenges and opportunities.

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![](aciw-20260507_ex992004.jpg)

ACI Financial Results for the Three Months Ended March 31, 2026 "Payments modernization continues to accelerate, and ACI is at the center of it. In the quarter, Real Time Payments and Merchant each grew more than 20%, Biller delivered 10% growth on top of last year's double-digit performance, and new ARR bookings grew 39% across the company. At the same time, our ACI Connetic pipeline continues to expand, underscoring strong market demand for our cloud-native payments platform. The decision last year to operate our Payment Software and Biller businesses as two distinct segments has sharpened our focus, accelerated organic growth, and consistently enabled us to outperform expectations. We are committed to our capital allocation framework, investing in organic growth, pursuing strategic M&A, and returning capital to shareholders. We entered 2026 with momentum, executed ahead of expectations in the first quarter, and are raising our full-year outlook." Thomas W. Warsop, III ACI President and Chief Executive Officer CEO Perspective

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![](aciw-20260507_ex992005.jpg)

Q1 2026 Highlights Continued Growth Momentum Entering 2026 Revenue of $426M, up 8% versus Q1 2025, up 6% in constant currency GAAP net income of $38M and adjusted EBITDA\*\* of $105M, up 12% versus Q1 2025, up 8% in constant currency New ARR bookings increased 39% versus Q1 2025 Net adjusted EBITDA margin\*\* in Q1 was 38%, up from 36% in Q1 2025 Strong financial position with $162M in cash and 1.3x net debt leverage ratio\* Returned $65M of capital to shareholders, with 1.5 million shares repurchased in Q1 2026 Expect to allocate 50% to 60% of cash flow from operating activities in 2026 toward share repurchases Raising financial guidance for 2026 \* Statistics as of March 31, 2026 \*\* Non-GAAP financial measures: For definitions, reconciliation to the nearest GAAP measures and additional information regarding our use of these non-GAAP measures, please refer to the Supplemental Financial Data

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![](aciw-20260507_ex992006.jpg)

Q1 2026 Payment Software 6 Segment Revenue Segment EBITDA Segment Detail Payment Software revenue was $214M, up 2% versus a strong Q1 2025 Payment Software adjusted EBITDA was $113M, up 2% versus Q1 2025 Real Time Payments revenue up 22%, versus Q1 2025 Payment Software recurring revenue was $101M, up 6% Payment Software net adjusted EBITDA margin of 53%, in line with Q1 2025 Merchant revenue up 21% Payment Software SaaS revenue was $50M, up 11% Issuing & Acquiring revenue down 6% Payments Intelligence revenue down 3% All growth rates are on a constant currency basis

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![](aciw-20260507_ex992007.jpg)

Q1 2026 Biller 7 Segment Revenue Segment EBITDA Segment Detail Biller revenue was $212M, up 10% versus Q1 2025 Biller adjusted EBITDA was $34M, up 10% versus Q1 2025 Particular strength in utilities and consumer finance Biller interchange was $146M, versus $131M in Q1 2025 Biller net adjusted EBITDA margin of 51%, up from 49% in Q1 2025 SpeedPay One gaining momentum Biller net revenue was $66M, up 5% All growth rates are on a constant currency basis

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![](aciw-20260507_ex992008.jpg)

Q1 2026 Cash Flow, Balance Sheet and Repurchases Cash Flow Balance Sheet and Liquidity\* Share Repurchases\* Cash flow from operations was $64M versus $78M in Q1 2025 $162M cash on hand Repurchased approximately 1.5M shares in Q1 2026 for approximately $65M Cash flow impacted by the timing of contract signings within the quarter $812M debt balance Net debt ratio of 1.3x EBITDA\*\* $391M remains available on the share repurchase authorization ACI had total cash and available liquidity under its credit facility of $560M Expect to allocate 50-60% of operating cash flow to share repurchases for the full year, subject to market conditions \* Statistics as of March 31, 2026 \*\* Non-GAAP financial measures: For definitions, reconciliation to the nearest GAAP measures and additional information regarding our use of these non-GAAP measures, please refer to the Supplemental Financial Data

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![](aciw-20260507_ex992009.jpg)

2026 Financial Guidance Expect High Single-Digit Revenue and Adjusted EBITDA Growth, with Continued Capital Returns Next Quarter Guidance Full Year Guidance Q2 2026 FY 2026 Low High Low High Revenue $420 $440 $1,890 $1,920 Adjusted EBITDA $85 $95 $540 $555 $'s in millions • Expect both Payment Software and Biller segments to grow upper single digits • Expect 2H revenue phasing to be weighted 40%/Q3 and 60%/Q4 • Expect to allocate 50% to 60% of cash flow from operating activities towards share repurchases, subject to market conditions • Capital expenditures expected to approximate $45M • Cash taxes expected to approximate $80 - 90M • Interest expense, net expected to approximate $30M • Depreciation and amortization expected to approximate $90M • Non-cash compensation expense expected to approximate $65 - 75M • Effective tax rate expected to approximate 25% • Diluted share count expected to approximate 103 million shares (excluding future share buy-back activity)

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![](aciw-20260507_ex992010.jpg)

Supplemental Financial Data

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![](aciw-20260507_ex992011.jpg)

Supplemental Financial Data Three Months Ended March 31, Recurring Revenue (millions) 2026 2025 SaaS and PaaS fees $262.0 $237.1 Maintenance fees 50.9 48.6 Recurring Revenue $312.9 $285.7 Three Months Ended March 31, TTM Ended March 31, New Bookings (millions) 2026 2025 2026 2025 Annual recurring revenue (ARR) bookings $12.4 $8.9 $73.8 $68.3 License and services bookings 49.5 50.0 254.1 312.8 Note: Amounts may not recalculate due to rounding.

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![](aciw-20260507_ex992012.jpg)

Supplemental Financial Data Three Months Ended March 31, Adjusted EBITDA (millions) 2026 2025 Net income $38.3 $58.9 Plus: Income tax expense 12.1 12.8 Net interest expense 8.6 10.6 Net other income (1.5) (23.7) Depreciation expense 3.4 3.2 Amortization expense 21.9 20.8 Non-cash stock-based compensation expense 17.0 11.6 Adjusted EBITDA before significant transaction-related expenses $99.8 $94.1 Significant transaction-related expenses: Cost reduction strategies 5.4 — Adjusted EBITDA $105.2 $94.1 Revenue, net of interchange Revenue $425.7 $394.6 Interchange 146.2 130.8 Revenue, net of interchange $279.5 $263.8 Net Adjusted EBITDA Margin 38 % 36 % Note: Amounts may not recalculate due to rounding.

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![](aciw-20260507_ex992013.jpg)

Supplemental Financial Data Three Months Ended March 31, Segment Information (millions) 2026 2025 Revenue Payment Software $213.5 $200.7 Biller 212.3 193.9 Total Revenue $425.7 $394.6 Recurring Revenue Payment Software $100.6 $91.9 Biller 212.3 193.8 Total $312.9 $285.7 Segment Adjusted EBITDA Payment Software $113.3 $106.6 Biller 34.0 30.9 Note: Amounts may not recalculate due to rounding.

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![](aciw-20260507_ex992014.jpg)

Supplemental Financial Data EPS Impact of Non-cash and Significant Transaction-related Items (millions) Three Months Ended March 31, 2026 2025 EPS Impact $ in Millions (Net of Tax) EPS Impact $ in Millions (Net of Tax) GAAP net income $0.37 $38.3 $0.55 $58.9 Adjusted for: Gain on sale of equity investment — — (0.20) (21.7) Significant transaction-related expenses 0.04 4.1 — — Amortization of acquisition-related intangibles 0.04 4.2 0.04 4.1 Amortization of acquisition-related software 0.03 3.3 0.03 3.2 Non-cash stock-based compensation 0.13 13.4 0.09 9.2 Total adjustments 0.24 25.0 (0.04) (5.2) Adjusted Diluted EPS $0.61 $63.3 $0.51 $53.7 Note: Amounts may not recalculate due to rounding.

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![](aciw-20260507_ex992015.jpg)

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 compensation, that we believe are helpful in understanding our past financial performance and our future results. The presentation of these non-GAAP financial measures should be considered in addition to our GAAP results and are not intended to be considered in isolation or as a substitute for the financial information prepared and presented in accordance with GAAP. Management generally compensates for limitations in the use of non-GAAP financial measures by relying on comparable GAAP financial measures and providing investors with a reconciliation of non-GAAP financial measures only in addition to and in conjunction with results presented in accordance with GAAP. We believe that these non-GAAP financial measures reflect an additional way to view aspects of our operations that, when viewed with our GAAP results, provide a more complete understanding of factors and trends affecting our business. Certain non-GAAP measures include: ◦ Adjusted EBITDA: net income (loss) plus income tax expense (benefit), net interest income (expense), net other income (expense), depreciation, amortization, and non-cash compensation, as well as significant transaction related expenses. Adjusted EBITDA should be considered in addition to, rather than as a substitute for, net income (loss). ◦ Net Adjusted EBITDA Margin: Adjusted EBITDA divided by revenue net of pass-through interchange revenue. Net Adjusted EBITDA Margin should be considered in addition to, rather than as a substitute for, net income (loss). ◦ Adjusted Diluted EPS: diluted EPS plus tax effected significant transaction related items, amortization of acquired intangibles and software, and non-cash stock-based compensation. Adjusted diluted EPS should be considered in addition to, rather than as a substitute for, diluted EPS. ◦ Recurring Revenue: revenue from software as a service and platform service fees and maintenance fees. Recurring revenue should be considered in addition to, rather than as a substitute for, total revenue. ◦ ARR: New annual recurring revenue expected to be generated from new accounts, new applications, and add-on sales bookings contracts signed in the period.

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![](aciw-20260507_ex992016.jpg)

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 "believes," "will," "expects," "anticipates," "intends," and words and phrases of similar impact. The forward-looking statements are made pursuant to safe harbor provisions of the Private Securities Litigation Reform Act of 1995. Forward-looking statements in this presentation include, but are not limited to: (i) payments modernization continues to accelerate, and ACI is at the center of it, (ii) our ACI Connetic pipeline continues to expand, underscoring strong market demand for our cloud-native payments platform, (iii) we are committed to our capital allocation framework, investing in organic growth, pursuing strategic M&A, and returning capital to shareholders, (iv) our full-year outlook including Q2 2026 and full-year 2026 revenue and adjusted EBITDA financial guidance, and (v) expectations to allocate 50-60% of operating cash flow to share repurchases for the full year, subject to market conditions. All of the foregoing forward-looking statements are expressly qualified by the risk factors discussed in our filings with the Securities and Exchange Commission. Such factors include, but are not limited to, increased competition, business interruptions, cybersecurity incidents or failure of our information technology and communication systems, security breaches, reliance on third-party cloud infrastructure and related services, reliance on third-parties, our ability to attract and retain senior management personnel and skilled technical employees, future acquisitions, strategic partnerships and investments, divestitures and other restructuring activities, implementation and success of our strategy, anti-takeover provisions, exposure to credit or operating risks arising from certain payment funding methods, loss caused by theft or fraud, customer reluctance to switch to a new vendor, our ability to adequately defend our intellectual property, litigation, consent orders and other compliance agreements, our offshore software development activities, risks from operating internationally, including fluctuations in currency exchange rates, adoption of ACI Connetic, adverse changes in the global economy, compliance of our products with applicable legislation, governmental regulations and industry standards, the complexity of our products and services and the risk that they may contain hidden defects, legal and business risks from artificial intelligence incorporated into our products, risks to our business from the use of artificial intelligence by our workforce, complex regulations applicable to our payments business, our compliance with privacy and cybersecurity regulations, compliance with requirements of the payment card networks and Nacha, exposure to unknown tax liabilities, changes in tax laws and regulations, consolidations and failures in the financial services industry, volatility in our stock price, demand for our products, failure to obtain renewals of customer contracts or to obtain such renewals on favorable terms, delay or cancellation of customer projects or inaccurate project completion estimates, changes in card association and debit network fees or products, impairment of our goodwill or intangible assets, the accuracy of management's backlog estimates, the cyclical nature of our revenue and earnings and the accuracy of forecasts due to the concentration of revenue-generating activity during the final weeks of each quarter, restrictions and other financial covenants in our debt agreements, our existing levels of debt, incurring additional debt, events outside of our control including natural disasters, wars, and outbreaks of disease, and revenues or revenue mix below expectations. For a detailed discussion of these risk factors, parties that are relying on the forward-looking statements should review our filings with the Securities and Exchange Commission, including our most recently filed Annual Report on Form 10-K and our Quarterly Reports on Form 10-Q.

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![](aciw-20260507_ex992017.jpg)

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