Short answer
ACI WORLDWIDE, INC. (ACIW) filed its Q3 2025 10-Q quarterly report on Nov 6, 2025 for the quarter ended Sep 30, 2025. Quarterly revenue was $482M (up 6.8% year over year) with net income of $91M.
Q3 2025 key financials · XBRL
- Revenue
- $482M
- +6.8% YoY · +20.2% QoQ
- Net income
- $91M
- +12.1% YoY · +647.8% QoQ
- Operating margin
- 26.5%
- EPS (diluted)
- $0.87
- +14.5% YoY · +625.0% QoQ
Source: XBRL data from the ACI WORLDWIDE, INC. (ACIW) Q3 2025 10-Q on SEC EDGAR. USD.
ACI WORLDWIDE, INC. Q3 2025 10-Q analysis
AI summary of MD&A and risk factor updates
Management Discussion & Analysis
- No profitability or margin figures or comparisons reported
- No changes in cash position, operating cash flow, or capital deployment mentioned
- No management commentary on near-term outlook, guidance, or headwinds provided
Risk Factors
- New risk: Increased fraud risk from AI-enabled attacks and regulator litigation between banks and consumers triggered by real-time payments adoption
- Updated risk: Enhanced complexity and uncertainty in revenue recognition timing driven by multi-year contracts and foreign currency fluctuations
- Regulatory risk: Growing regulatory mandates like PSD3 in Europe and evolving U.S. open banking and FedNow® initiatives impacting compliance costs and product offerings
- Operational risk: Pressure to transition customers from on-premise to cloud solutions amid intensifying competition and need for scalable, cost-efficient SaaS/PaaS deployments
- Financial risk: Foreign currency fluctuations causing $3.6 million revenue gain in Q3 2025 and $1.2 million increase in operating expenses versus prior year
Generated from the filing text; verify against the original. 10-K vs 10-Q vs 8-K
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