ACI Worldwide, Inc. filed its Form 10-Q for the quarterly period ended September 30, 2026, with the SEC on November 5, 2026, reporting third-quarter results across its payment software and services segments.

Key Highlights

  • Total Q3 2026 revenues: $426,811 thousand, compared to $482,359 thousand in Q3 2025, according to the filing.
  • License revenue: $94,801 thousand in Q3 2026, down from $161,957 thousand in Q3 2025, as reported in the condensed consolidated statements of operations.
  • SaaS and PaaS revenue: $258,340 thousand in Q3 2026, up from $246,916 thousand in Q3 2025, per the filing.
  • Q3 2026 net income: $32,529 thousand, versus $91,250 thousand in Q3 2025, as stated in the filing.
  • Nine-month net income: $102,633 thousand for the nine months ended September 30, 2026, compared to $162,322 thousand for the same period in 2025.
  • Share repurchases in Q3 2026: 934,810 shares of common stock repurchased for $50,448 thousand, per the stockholders' equity statement.
  • Shares outstanding: 100,194,536 shares of common stock as of November 2, 2026, as disclosed on the cover page.

ACI Worldwide Reports Lower Q3 2026 Operating Income Amid License Revenue Shift

According to the filing, ACI Worldwide - a Delaware-incorporated provider of payment software solutions listed on the Nasdaq Global Select Market under the ticker NASDAQ:ACIW - reported total revenues of $426,811 thousand for the three months ended September 30, 2026, compared to $482,359 thousand for the three months ended September 30, 2025. The company's revenue is derived from four categories: software as a service and platform as a service (SaaS/PaaS), license, maintenance, and services.

The filing shows that license revenue fell to $94,801 thousand in Q3 2026 from $161,957 thousand in Q3 2025, while SaaS and PaaS revenue increased to $258,340 thousand from $246,916 thousand over the same periods. Maintenance revenue was $50,981 thousand in Q3 2026 versus $51,420 thousand in Q3 2025, and services revenue was $22,689 thousand compared to $22,066 thousand in Q3 2025. Total operating expenses for Q3 2026 were $374,446 thousand, up from $354,653 thousand in Q3 2025, resulting in operating income of $52,365 thousand versus $127,706 thousand in the prior-year quarter.

The filing also discloses that for the nine months ended September 30, 2026, total revenues were $1,282,983 thousand, compared to $1,278,182 thousand for the same period in 2025. Total assets stood at $3,124,891 thousand as of September 30, 2026, versus $3,104,907 thousand as of December 31, 2025. Treasury stock increased to $1,100,467 thousand from $964,752 thousand at December 31, 2025, reflecting ongoing share repurchase activity. Accumulated other comprehensive loss was $(108,593) thousand at September 30, 2026, compared to $(103,138) thousand at December 31, 2025, with the filing attributing the change primarily to foreign currency translation adjustments.

What Was Disclosed

ACI Worldwide filed its quarterly report for the period ended September 30, 2026, disclosing revenue, net income, operating expenses, balance sheet data, and share repurchase activity. The filing covers four revenue segments and includes unaudited condensed consolidated financial statements.