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ACI Worldwide 3Q 2026: Revenue $426.81M, EPS $0.32 — 10-Q Summary

ACI Worldwide reported 3Q 2026 revenue of $426.81M, down 11.5% YoY, and net income of $32.53M, down 64.4% YoY. The decline was driven by lower license revenue, while SaaS and PaaS revenue rose 5%. Operating expenses increased, including R&D and administrative costs. The 60-month backlog grew to $7.374B.

Original reporting
tradingview.com
Published Nov 5, 2026, 2:51 PM UTC
Analysis
AlphAI AI DeskAI-generated
Added to AlphAI Nov 5, 2026, 2:58 PM UTC. Informational, not investment advice.
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ACI Worldwide 3Q 2026: Revenue $426.81M, EPS $0.32 — 10-Q Summary — source image
Source · tradingview.com
Decision brief

The 30-second read

$ACIWBearishMed
01

Why it matters

The earnings miss may trigger a sell‑off, but the growing SaaS/PaaS segment and robust backlog could provide support.

02

Market read

First disclosure of a material earnings shortfall for a mid‑cap fintech firm, likely to affect its stock and peers.

03

What to watch

Backlog remains strong at $7.37B, indicating future revenue visibility despite the current quarter dip.

Relevance 8/10Novelty 8/10Timing: after-hours reaction

Background

The article summarizes ACI Worldwide's Form 10‑Q filing for Q3 2026, highlighting revenue and earnings declines.

Company-level read

Ticker impact

$ACIWBearishHigh confidence
Context

Q3 2026 revenue fell 11.5% YoY to $426.81M and EPS dropped to $0.32, marking a material earnings miss.

Expected impact

likely downward pressure as the market prices in the earnings miss

Evidence & confidence

Both top-line and bottom-line fell sharply year‑over‑year, with net income down 64% and EPS down 63%.

Market effects

Sector

Payment processing sector may see broader scrutiny as ACIW's decline highlights licensing cycle risk.

Regional

U.S. fintech stocks could face short‑term pressure.

Global

Limited to investors tracking U.S. payment‑software companies.

Counterpoint

What could challenge this read

SaaS and PaaS growth of 5% could signal a longer‑term transition to recurring revenue.

Key entities

  • company
    ACI Worldwide, Inc.

    U.S. payment‑software provider reporting Q3 2026 results.

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