The raised full-year guidance and strong margin expansion (net adjusted EBITDA margin up to 34% from 32%) signal accelerating operational leverage. Monitor Q3 revenue guidance of $417M-$427M and the timing of high-margin Payment Software license renewals in Q4 for further upside. The ACI Connetic cloud platform traction with U.S. banks is a key catalyst to watch.
Price Chart
Executive Summary
ACI Worldwide reported Q2 2026 revenue of $430M (+7% YoY) and adjusted diluted EPS of $0.54 (+54% YoY), slightly beating consensus estimates. The company raised its full-year 2026 revenue and adjusted EBITDA guidance for the second consecutive quarter, citing strong first-half performance and a healthy pipeline. The combination of a modest EPS beat, raised guidance, and successful ACI Connetic customer signings supports a bullish outlook.
Key Financial Metrics
Key Facts
- Q2 2026 revenue of $430M, up 7% YoY (6% constant currency)
- Adjusted diluted EPS of $0.54, up 54% YoY vs $0.35 in Q2 2025
- Full-year 2026 revenue guidance raised to $1.895B-$1.925B from $1.890B-$1.920B
- Full-year 2026 adjusted EBITDA guidance raised to $545M-$560M from $540M-$555M
- Net new ARR bookings of $18M in Q2, down 25% YoY
- 2.5M shares repurchased YTD for $107M at avg price $42.75
- Net debt leverage ratio improved to 1.2x adjusted EBITDA from 1.3x in Q1 2026
- Successfully enabled ACI Connetic across eight major U.S. payment networks and signed two U.S. customers
Financial Impact
Q2 revenue $430M (+7% YoY), adjusted EBITDA $91M (+12% YoY), GAAP net income $32M (+161% YoY)
Risk Factors
- Net new ARR bookings declined 25% YoY in Q2 and 15% on a TTM basis, signaling potential slowdown in new recurring revenue growth
- Biller segment adjusted EBITDA declined 13% YoY due to tough comps and investments in Speedpay ONE
- Q3 revenue guidance midpoint of $422M implies ~2% sequential decline from Q2
Market Snapshot
Investment Themes
Documents Analyzed
This report is based on 6 SEC documents filed with EDGAR.
| Document | Accession Number |
|---|---|
| 8-K Filing (Primary) | 0000935036-26-000026 |
| Document: aciw-20260806.htm | 0000935036-26-000026 |
| Document: 0000935036-26-000026-index-headers.html | 0000935036-26-000026 |
| Document: 0000935036-26-000026-index.html | 0000935036-26-000026 |
| Document: 0000935036-26-000026.txt | 0000935036-26-000026 |
| 8-K Data (Synthetic) | 0000935036-26-000026 |
Filters
| Type | Now | ||||
|---|---|---|---|---|---|
Aug 12, 2026 7w ago | Institutional Cluster | $52.75 $51.97 | ▼ −1.48% | ▲ +0.42% | $50.24 (−4.76%) |
Aug 6, 2026 8w ago | 8-K | $55.22 $52.91 | ▼ −4.18% | ▼ −4.78% | $50.24 (−9.02%) |
May 7, 2026 21w ago | 8-K | $46.65 $41.56 | ▼ −10.91% | ▼ −14.05% | $50.24 (+7.70%) |
Mar 2, 2026 30w ago | Insider Cluster | $40.35 $40.31 | ▼ −0.10% | ▲ +7.84% | $50.24 (+24.51%) |
Mar 2, 2026 30w ago | Insider Cluster | $40.35 $40.31 | ▼ −0.10% | ▲ +7.84% | $50.24 (+24.51%) |
Feb 26, 2026 31w ago | 8-K | $39.80 $40.86 | ▲ +2.66% | ▲ +9.07% | $50.24 (+26.23%) |
US Market Status
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