Table of Contents UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 _________________________________ FORM 10-K _________________________________ ☒ ANNUAL REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the fiscal year ended December 31, 2025 Or ☐ TRANSITION REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the transition period from to Commission File Number 0-25346 _________________________________ ACI WORLDWIDE, INC. ...

ACI Worldwide (NasdaqGS:ACIW) Q4 2025 Earnings call February 26, 2026 08:30 AM ET Company ParticipantsJohn Kraft - SVP, Head of Strategy and FinanceRobert Leibrock - CFOThomas Warsop - President and CEOConference Call ParticipantsCharles Nabhan - Managing Director and Equity Research AnalystGeorge Sutton - Managing Director & Senior Research AnalystJeff Cantwell - Senior AnalystOperatorThank you for standing by. My name is Janice, and I will be your conference operator for today. At this time, I would like ...

ACI Worldwide (NasdaqGS:ACIW) Q4 2025 Earnings call February 26, 2026 08:30 AM ET Company ParticipantsJohn Kraft - SVP, Head of Strategy and FinanceRobert Leibrock - CFOThomas Warsop - President and CEOConference Call ParticipantsCharles Nabhan - Managing Director and Equity Research AnalystGeorge Sutton - Managing Director & Senior Research AnalystJeff Cantwell - Senior AnalystOperatorThank you for standing by. My name is Janice, and I will be your conference operator for today. At this time, I would like ...

ACI Worldwide (NasdaqGS:ACIW) Q4 2025 Earnings call February 26, 2026 08:30 AM ET Speaker2Thank you for standing by. My name is Janice, and I will be your conference operator for today. At this time, I would like to welcome everyone to the ACI Worldwide, Inc. fourth quarter and full year ended 2025 financial results. All lines have been placed on mute to prevent any background noise. After the speaker's remarks, there will be a question and answer session. If you would like to ask a question during this tim ...

分组1 - ACI Worldwide reported quarterly earnings of $0.9 per share, missing the Zacks Consensus Estimate of $1.05 per share, and down from $1.08 per share a year ago, representing an earnings surprise of -14.29% [1] - The company posted revenues of $481.6 million for the quarter ended December 2025, surpassing the Zacks Consensus Estimate by 2.82%, and up from $453.04 million year-over-year [2] - ACI Worldwide has surpassed consensus revenue estimates four times over the last four quarters [2] 分组2 - ACI Worldwide shares have declined approximately 13.2% since the beginning of the year, while the S&P 500 has gained 1.5% [3] - The company's earnings outlook is crucial for investors, as it includes current consensus earnings expectations for upcoming quarters and any recent changes to these expectations [4] - The estimate revisions trend for ACI Worldwide was unfavorable ahead of the earnings release, resulting in a Zacks Rank 4 (Sell) for the stock, indicating expected underperformance in the near future [6] 分组3 - The current consensus EPS estimate for the upcoming quarter is $0.34 on revenues of $402.2 million, and for the current fiscal year, it is $3.41 on revenues of $1.87 billion [7] - The Computer - Software industry, to which ACI Worldwide belongs, is currently in the top 32% of over 250 Zacks industries, suggesting a favorable outlook compared to the bottom 50% [8]

Earnings Presentation Q4 2025 February 26, 2026 Private Securities Litigation 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. Adiscussion of these forward-looking statements and risk factors that may affect them is set forth at the ...

ACI Worldwide, Inc. Reports Double-Digit Revenue Growth for Full Year Ended December 31, 2025 2025 HIGHLIGHTS Omaha, NE — February 26, 2026 — ACI Worldwide (NASDAQ: ACIW), a leading provider of global payments technology, today reported strong financial results for fourth quarter and full year ended December 31, 2025. The company also provided its full-year 2026 outlook for revenue and adjusted EBITDA which reflects continuing momentum. "ACI delivered another year of double‑digit organic revenue growth, ref ...

NASDAQ: ACIW Investor Presentation Private Securities Litigation 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 ...

Payments firm ACI Worldwide, Inc. (ACIW) reported Thursday that net income for the fourth quarter decreased to $64.34 million or $0.62 per share from $98.56 million or $0.93 per share in the prior-year quarter.Excluding items, adjusted net income for the quarter were $0.90 per share, compared to $1.08 per share in the year-ago quarter.Total revenues for the quarter increased to $481.60 million from $453.04 million in the same quarter last year.Looking ahead, the company now projects revenues between $405 m ...

Core Insights - The article discusses potential weaknesses in various sectors of the US economy, particularly focusing on distressed areas and the implications for future earnings and revenues [1][2]. Data Providers - Data providers have shown poor performance year-to-date, with significant declines in stock prices, indicating potential margin issues despite strong competitive moats [2][3]. Biotech Sector - The biotech sector has been underperforming for four years, but there is a belief that prices may mean revert as they become too cheap [2]. Software-as-a-Service (SaaS) - SaaS companies are perceived to have stronger moats than the market currently values, but there are concerns about long-term disruption from new technologies [6][8]. Cybersecurity - The cybersecurity sector has mixed performance, with some companies showing resilience while others face significant declines. The overall outlook remains uncertain [13][14]. Payments Companies - The payments sector has seen poor performance, with companies like PayPal and Adyen experiencing significant declines. However, major players like Visa and Mastercard continue to perform relatively well [16][17]. Business Development Companies (BDCs) - BDCs have faced challenges recently, with declines in performance noted at the start of the year. They are essential for providing private credit [18][19]. US Insurance - The insurance sector is struggling, with companies like Progressive and Brown and Brown facing challenges in raising prices and organic growth capabilities [21][22]. Home Builders and Ancillary Services - The homebuilding sector shows mixed results, with some companies performing well while ancillary service providers are thriving due to increased demand for home improvements [23][24][27]. Consumer Discretionary - The consumer discretionary sector reflects the health of the economy, with mixed performance among various companies. The S&P 500 equal weight consumer discretionary index shows a modest increase [31][34]. Restaurants - The restaurant sector is a key indicator of consumer spending, with many companies showing resilience despite economic challenges. However, some, like Red Robin, are struggling significantly [39][40].