ACI WORLDWIDE, INC. (ACIW) Q3 2025 10-Q Quarterly Report
Filed: Nov 6, 2025Period ending Sep 30, 2025
Information Technology
Services-Prepackaged SoftwareSEC EDGAR ACI WORLDWIDE, INC. (ACIW) 10-Q quarterly report for Q3 2025, filed with SEC EDGAR on Nov 6, 2025 for the fiscal period ending Sep 30, 2025. This page provides AI-powered analysis including management discussion & analysis (MD&A), risk factor updates, and key quarterly financial data such as revenue and net income extracted from XBRL.
ACI WORLDWIDE, INC. Q3 2025 10-Q Analysis
Management Discussion & Analysis
- • No quarterly revenue or YoY changes disclosed in provided MDA text
- • No profitability or margin figures or comparisons reported
- • No segment or product line performance data included
- • 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
ACI WORLDWIDE, INC. Q3 2025 Quarterly FinancialsXBRL
Revenue
$482M
▲ +6.8% YoY▲ +20.2% QoQ
Net Income
$91M
▲ +12.1% YoY▲ +647.8% QoQ
Operating Margin
26.5%
▼ -66bp YoY▲ +1779bp QoQ
Net Margin
18.9%
▲ +89bp YoY▲ +1588bp QoQ
ROE
6.2%
Total Assets
$3.2B
EPS (Diluted)
$0.87
▲ +14.5% YoY▲ +625.0% QoQ
Operating Cash Flow
$73M
▲ +35.2% YoY▲ +46.7% QoQ
Source: XBRL data from ACI WORLDWIDE, INC. Q3 2025 10-Q filing on SEC EDGAR. All figures in USD.
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