ACIW at a glance
ACI WORLDWIDE, INC. (ACIW, SEC CIK 935036) filed its latest 10-K annual report on February 26, 2026, a 10-Q quarterly report on August 6, 2026, an 8-K current report on August 6, 2026 and Form 4 insider filings as recently as September 25, 2026. SignalX summarizes each filing with AI and tracks the company's insider trades and institutional holders.
- For the fiscal year ended December 31, 2025 (FY2025), ACI WORLDWIDE, INC. (ACIW) reported revenue of $1.8 billion (up 10.4% from FY2024) and net income of $226.7 million. Diluted EPS was $2.16.
- As of June 30, 2026, 37 institutional investment managers tracked by SignalX reported holding ACI WORLDWIDE, INC. (ACIW) shares worth $3.0 billion in 13F-HR filings.
Source: SEC EDGAR (XBRL financial data, 13F-HR and Form 4 filings).
- Revenue · FY2025
- $1.8B
- +10.4% vs prior year
- Insiders · 90 days
- 0 buys · 0 sells
- No open-market trades
- 13F holders
- 37 funds
- $3.0B · +2 vs prior quarter
- Latest 8-K
- Aug 6, 2026
- Item 2.02
AI 10-K Annual Report Analysis
Latest 10-K, fiscal year ended Dec 31, 2025
Business Overview
- Core business: Develops and supports electronic payment software primarily for banks, merchants, intermediaries, and billers globally
- Emphasis on SaaS and PaaS revenue growth to $1.008B in 2025, up 12% YoY, expanding from $898M in 2024
- Strategic focus on transition from license and maintenance models toward subscription-based software delivery
- Net income increased 12% to $227M with repurchase of 4.18M shares totaling $204M in 2025, raising treasury stock to $965M
- Noteworthy audit focus on complex revenue recognition judgments for software license arrangements, highlighting pricing variability and contract terms
Risk Factors
- Regulatory risk: Section 203 of Delaware General Corporation Law limiting business combinations without broad stockholder approval
- Macroeconomic threat: Exposure to emerging markets growth dependency, with risks if these markets do not expand as anticipated
- Operational vulnerability: Dependence on third-party cloud providers (Microsoft Azure, AWS), with limited migration options and exposure to outages or increased costs
- Market disruption risk: Competition from significantly larger firms and clients developing in-house products, plus new entrants with AI-enabled technology
- Financial risk: Acquisition-related leverage and potential overpayment risk increasing interest expense and diluting shareholders through stock issuance
Management Discussion & Analysis
- Intangible assets net of amortization $147.1M in 2025 vs $165.4M in 2024; goodwill stable at $1.2B
- Forward-looking risks: potential impairment charges on intangibles; tax exposure from uncertain income tax positions
AI summary of the ACIW 10-K filed . Generated from the filing text; verify against the original.View on SEC EDGARHow to read a 10-K
AI 10-Q Quarterly Report Analysis
Latest 10-Q, quarter ended Jun 30, 2026
Management Discussion & Analysis
- Revenue $430.4M, up 7% YoY from $401.3M
- Operating margin 10% vs 9% YoY; net margin 6% vs 3%
- License revenue strongest growth, $68.8M, up 21% YoY
- SaaS and PaaS largest category, $284.8M, up 5% YoY
- Backlog $7.3B as of June 30, 2026, versus $7.3B March 31, 2026
Risk Factors
- No risk-factors section provided; supplied text covers Items 2–6
- Stock-repurchase execution risk: $349.0 million remaining authorization as of June 30, 2026
- Liquidity allocation risk: repurchases intended to use existing cash and cash equivalents
- Equity dilution risk: 365,184 vested shares withheld for employee payroll taxes
- Trading-compliance risk: Rule 10b5-1 broker authority permits repurchases during blackout periods
AI summary of the ACIW 10-Q filed . Generated from the filing text; verify against the original.View on SEC EDGAR10-K vs 10-Q vs 8-K
AI 8-K Current Report Analysis
The most recent material events, by 8-K item
Item 2.02: Results of Operations and Financial Condition
- Items 2.02 and 7.01 furnished without substantive earnings data
- Investor impact cannot be assessed from this excerpt alone
Item 5.07: Submission of Matters to a Vote of Security Holders
- Nine director nominees elected to serve through the 2027 annual meeting
- Director support remained strong, with votes against ranging from 405,326.45 to 2,328,535.45
Item 2.02: Results of Operations and Financial Condition
- Items 2.02 and 7.01 disclosure contains no operating results or financial figures
- Investor-relevant information likely resides in an accompanying exhibit, if furnished
AI summaries of ACIW 8-K current reports filed with the SEC. What 8-K item codes mean
SignalX for ACIW
Don't miss the next ACIW filing
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- Fund moves. Which tracked funds opened, added or cut ACIW, by share count.
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Recent Insider Transactions (Form 4)
Latest reported trades by officers, directors and 10% owners
| Insider | Type | Date | Shares | Price |
|---|---|---|---|---|
| Leibrock Robert William | D | Sep 24, 2026 | 3,176 | $49.62 |
| Shultz Ronald Craig | D | Sep 6, 2026 | 724 | $52.95 |
| Litch Erich J | D | Sep 6, 2026 | 963 | $52.95 |
| Leibrock Robert William | D | Sep 6, 2026 | 1,905 | $52.95 |
| Shultz Ronald Craig | D | Sep 4, 2026 | 765 | $52.95 |
| Shultz Ronald Craig | D | Sep 4, 2026 | 385 | $52.95 |
| Litch Erich J | D | Sep 4, 2026 | 667 | $52.95 |
| Litch Erich J | D | Sep 4, 2026 | 136 | $52.95 |
Financial SummaryXBRL
| Metric | FY2023 | FY2024 | FY2025 |
|---|---|---|---|
| Profitability | |||
| Revenue | - | $1.6B | $1.8B |
| Operating Income | - | $308.1M | $329.9M |
| Net Income | $121.5M | $203.1M | $226.7M |
| Op. Margin | - | 19.3% | 18.7% |
| Net Margin | - | 12.7% | 12.9% |
| Balance Sheet | |||
| Total Assets | $3.4B | $3.0B | $3.1B |
| Equity | - | $1.4B | $1.5B |
| ROE | - | 14.3% | 14.9% |
| Per Share | |||
| EPS | $1.12 | $1.91 | $2.16 |
| Cash Flow | |||
| Operating CF | - | $358.7M | $322.8M |
| CapEx | $8.9M | $15.4M | $12.9M |
Source: XBRL data in ACI WORLDWIDE, INC. (ACIW)'s 10-K filings on SEC EDGAR, in USD. Compare across companies →
13F Fund Holdings: Quarterly Trend
Latest: Q2 2026Aggregate ACIW share value held by 13F filers tracked by SignalX, by quarter.
Quarterly totals table
| Quarter | Funds | Total value |
|---|---|---|
| Q2 2026 | 37 | $3.02B |
| Q1 2026 | 35 | $2.28B |
| Q4 2025 | 33 | $2.36B |
| Q3 2025 | 35 | $2.91B |
| Q2 2025 | 31 | $2.55B |
| Q1 2025 | 28 | $2.10B |
| Q4 2024 | 26 | $1.73B |
| Q3 2024 | 22 | $979.1M |
- FMR LLC (Fidelity)+4.38M (+202%)
- Citadel Advisors LLC+391.6K (+789%)
- Dimensional Fund Advisors+342.3K (+12%)
- Millennium Management+213.7K (+701%)
- Morgan Stanley+190.3K (+10%)
- BlackRock−636.7K (-4%)
- Two Sigma Investments−535.9K (-88%)
- D.E. Shaw & Co−179.0K (-61%)
- Renaissance Technologies LLC−172.4K (-49%)
- JPMorgan Chase & Co−92.3K (-38%)
- Bridgewater Associates LP+19.0K
- Allstate+5.6K
Source: 13F-HR filings on SEC EDGAR (aggregated from 247 fund-quarter rows). Reflects only 13F filers tracked by SignalX, not the full institutional ownership universe. How 13F filings work
ACIW filing archive
AI analysis pages for each 10-K, 10-Q and 8-K
10-K annual reports
10-Q quarterly reports
8-K current reports
Latest 2026 SEC Filings: 10-K, 10-Q, 8-K & Form 4
| Form | Filing date | Period | Analysis | SEC |
|---|---|---|---|---|
| 4 | Sep 25, 2026 | - | - | - |
| 4 | Sep 9, 2026 | - | - | - |
| 4 | Sep 9, 2026 | - | - | - |
| 4 | Sep 9, 2026 | - | - | - |
| 8-K | Aug 6, 2026 | - | Analysis | - |
| SC 13G | Aug 6, 2026 | - | - | |
| 10-Q | Aug 6, 2026 | Jun 30, 2026 | Analysis | |
| 4 | Jun 26, 2026 | - | - | - |
| 4 | Jun 8, 2026 | - | - | |
| 4 | Jun 8, 2026 | - | - | |
| 4 | Jun 8, 2026 | - | - | |
| 4 | Jun 3, 2026 | - | - | |
| 4 | Jun 3, 2026 | - | - | |
| 4 | Jun 3, 2026 | - | - | |
| 4 | Jun 3, 2026 | - | - | |
| 4 | Jun 3, 2026 | - | - | |
| 4 | Jun 3, 2026 | - | - | |
| 4 | Jun 3, 2026 | - | - | |
| 8-K | Jun 2, 2026 | - | Analysis | |
| 4 | Jun 2, 2026 | - | - | |
| 10-Q | May 7, 2026 | Mar 31, 2026 | Analysis | |
| 8-K | May 7, 2026 | - | Analysis | |
| SC 13G | Apr 29, 2026 | - | - | |
| SC 13G | Apr 29, 2026 | - | - | |
| SC 13G | Apr 28, 2026 | - | - |
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ACIW SEC filings: frequently asked questions
Which institutions hold ACIW stock?
As of June 30, 2026, the largest ACI WORLDWIDE, INC. (ACIW) holders among the 13F filers tracked by SignalX were BlackRock ($823.8 million), Vanguard Portfolio Management LLC ($408.0 million), Franklin Resources ($336.7 million), FMR LLC (Fidelity) ($329.2 million), Vanguard Capital Management LLC ($230.7 million). 13F-HR reports are filed up to 45 days after each quarter ends.
What was ACIW's revenue in fiscal year 2025?
For the fiscal year ended December 31, 2025 (FY2025), ACI WORLDWIDE, INC. (ACIW) reported revenue of $1.8 billion (up 10.4% from FY2024) and net income of $226.7 million. Diluted EPS was $2.16. The figures come from the XBRL data in the 10-K.
What are the main risks in ACIW's latest 10-K?
In the 10-K filed February 26, 2026, ACI WORLDWIDE, INC. (ACIW) flagged: Regulatory risk: Section 203 of Delaware General Corporation Law limiting business combinations without broad stockholder approval. Macroeconomic threat: Exposure to emerging markets growth dependency, with risks if these markets do not expand as anticipated. (AI summary of the Risk Factors section.)
What did ACIW report in its latest 8-K?
ACI WORLDWIDE, INC. (ACIW) filed an 8-K on August 6, 2026 reporting Item 2.02 (Results of Operations and Financial Condition). Items 2.02 and 7.01 furnished without substantive earnings data.
What are the latest ACIW SEC filings?
ACI WORLDWIDE, INC. (ACIW) filed its latest 10-K annual report on February 26, 2026, a 10-Q quarterly report on August 6, 2026, an 8-K current report on August 6, 2026 and a Form 4 insider filing on September 25, 2026.
What is ACIW's SEC CIK number?
ACI WORLDWIDE, INC. (ACIW)'s SEC Central Index Key (CIK) is 935036. EDGAR lists every ACIW filing under that number.
Ask anything about ACIW
The research agent reads ACIW's filings, financials, insider trades and 13F holders, then answers with sources.