Business Description

ACI Worldwide, Inc. is a global software company that develops and licenses digital payment solutions for banks, merchants, and billers. Headquartered in Elkhorn, Nebraska, the company's software facilitates real-time electronic payments, card processing, and fraud prevention across various channels. ACI Worldwide serves thousands of financial institutions and intermediaries in over 90 countries, processing billions of transactions daily.

Everything on ACI Worldwide, Inc.

Revenue (FY2025) $1.76B
YoY growth +10.4%
Operating margin 18.7%
Direction Expanding
Gross margin 49.0%
Net margin 12.9%

Earnings Transcripts

View all transcripts ↗

Leadership & board

View leadership ↗
Adalio T. Sanchez — Chairman of the Board (Independent Director) View full profile ↗ Juan A. Benitez — Independent Director View full profile ↗ Kimberly deBeers — Independent Director View full profile ↗ Todd R. Ford — Independent Director View full profile ↗ Mary P. Harman — Independent Director View full profile ↗ Didier R. Lamouche — Independent Director View full profile ↗ Katrinka B. McCallum — Independent Director View full profile ↗ Thomas W. Warsop III — President, Chief Executive Officer & Director View full profile ↗ Samir M. Zabaneh — Independent Director View full profile ↗ Robert W. Leibrock — Executive Vice President, Chief Financial Officer & Chief Accounting Officer View full profile ↗ Ronald C. Shultz — General Manager, ACI Speedpay View full profile ↗ Erich J. Litch — General Manager, Payment Software View full profile ↗ JP Krishnamoorthy — Chief Innovation and Technology Officer View full profile ↗ Abraham Kuruvilla — Former Chief Technology Officer View full profile ↗ Scott W. Behrens — Former Executive Vice President, Chief Financial Officer & Chief Accounting Officer View full profile ↗ Alessandro Silva — Former Chief Revenue Officer View full profile ↗
ACI Worldwide, acquires Speedpay (E Commerce Group Products / Western Union) — Bill payment / EBPP · 2019 View full deal ↗ ACI Worldwide, acquires S1 Corporation — Enterprise payments / banking · 2012 View full deal ↗ ACI Worldwide, acquires Online Resources Corporation — Bill payment / EBPP · 2013 View full deal ↗ ACI Worldwide, acquires Retail Decisions (ReD) — Fraud / eCommerce risk management · 2014 View full deal ↗ ACI Worldwide, acquires PAY.ON AG — eCommerce payments gateway · 2015 View full deal ↗ ACI Worldwide, acquires P&H Solutions, Inc. — Wholesale / business banking · 2006 View full deal ↗ ACI Worldwide, acquires Official Payments Holdings, Inc. — Bill payment / EBPP · 2013 View full deal ↗ ACI Worldwide, acquires eps Electronic Payment Systems AG — Retail payments · 2006 View full deal ↗ ACI Worldwide, acquires Profesionales en Transacciones Electronicas S.A. (PTESA) — Retail payments (Latin America) · 2013 View full deal ↗ ACI Worldwide, acquires Visual Web Solutions, Inc. — Trade finance / cash management · 2007 View full deal ↗ ACI Worldwide, acquires RevChip, LLC and TranSend Integrated Technologies Inc. — Payments technology · 2019 View full deal ↗ ACI Worldwide, acquires Stratasoft Sdn Bhd — Retail payments · 2007 View full deal ↗

Share Repurchase Program

Total authorized
Up to $500.0 million under the current authorization approved by the Board in October 2025 (replacing prior remaining authorizations).
Remaining (FY2025 (Q4 shown in Item 5 table for the three months ended December 31, 2025). Program originally approved in 2005; no expiration date.)
Approximately $456.4 million remained authorized as of December 31, 2025.
Latest FY repurchased
Approximately $202.6 million in common stock repurchases in FY2025 (per the FY2025 statement of cash flows), up from $127.7 million in 2024 and $27.6 million in 2023.

Named Competitors

FiservGlobal Payments (TSYS)MastercardVisa (Cybersource)WorldlineFinastraNCRAdyenWorldpayIngenico GroupSquareFICO (Fair Isaac)FeaturespaceFeedzaiForterSAS InstituteNICEPaymentusNuveiOpenWay GroupVolanteBPC Banking Technologies +10 more

Customer Concentration

Diversified customer base with no meaningful concentration: no single customer accounted for more than 10% of consolidated revenues for the years ended December 31, 2025, 2024, and 2023, and no customer accounted for more than 10% of consolidated receivables as of December 31, 2025 and 2024. ACI serves large banks, 80,000+ merchants, and billers, with customers in approximately 90 countries across six continents.

Recent SEC Filings

2026-06-02 Shareholder vote results View filing ↗
2026-05-07 Reported quarterly results (+1 more) View filing ↗
2026-02-26 Reported quarterly results (+2 more) View filing ↗
2026-01-14 Leadership change (directors/officers) View filing ↗
2025-11-06 Reported quarterly results (+1 more) View filing ↗
2025-10-01 Leadership change (directors/officers) View filing ↗
2025-09-12 Leadership change (directors/officers) View filing ↗
2025-08-07 Reported quarterly results (+1 more) View filing ↗
2025-06-20 Entered a material agreement (+1 more) View filing ↗
2025-06-09 Leadership change (directors/officers) View filing ↗
2025-06-03 Shareholder vote results View filing ↗
2025-05-08 Reported quarterly results (+2 more) View filing ↗

More Companies

See how Top Bucket AI works for your firm

Request Demo
Top Bucket AI Research

Stay ahead of private markets

Research and market intelligence for private-markets professionals.

✓

You're subscribed.

Thanks for signing up.