ACI Worldwide (ACIW) investor relations material

Executive summary

• Q2 2026 revenue reached $430 million, up 7% year-over-year, with net income rising to $32 million and adjusted EBITDA up 12%; adjusted diluted EPS increased 54% year-over-year.

• Raised full-year 2026 guidance for both revenue ($1.895–$1.925 billion) and adjusted EBITDA ($545–$560 million), reflecting strong business momentum and a robust sales pipeline.

• Signed two major U.S. customers for ACI Connetic, enabling the platform across eight major U.S. payment networks and advancing cloud-native and AI-driven solutions.

• Continued share repurchases, deploying $107 million year-to-date, with $349 million remaining authorized.

• Ongoing investments in cloud-native platforms and AI integration are driving productivity and supporting long-term growth.

Financial highlights

• Q2 2026 revenue was $430 million, up 7% reported and 6% constant currency; adjusted EBITDA was $91 million, up 12% year-over-year.

• Net income for Q2 was $32 million, up from $12 million a year ago; adjusted diluted EPS was $0.54, up 54% year-over-year.

• Year-to-date revenue was $856 million, up 8%; adjusted EBITDA was $196 million, up 12%; operating cash flow was $135 million.

• Cash on hand at quarter-end was $167 million, with total liquidity of $540 million.

• Adjusted EBITDA margin expanded to 34% in Q2 and 36% year-to-date.

Outlook and guidance

• Full-year 2026 revenue guidance raised to $1.895–$1.925 billion; adjusted EBITDA guidance increased to $545–$560 million.

• Q3 2026 revenue expected at $417–$427 million; adjusted EBITDA at $90–$95 million.

• Both Payment Software and Biller segments expected to grow in the upper single digits.

• 50–60% of operating cash flow targeted for share repurchases in 2026.

• Backlog as of June 30, 2026, was $7.28 billion, supporting future revenue visibility.