ACI Worldwide, Inc. (ACIW)

ACIW's stock price has been influenced by earnings reports and market trends. In Q1 2025, ACIW significantly exceeded EPS and revenue forecasts, but the stock declined 7.3% in pre-market trading. In Q2 2025, revenue increased by 7% year-over-year, with recurring revenue up 13%, leading to a 3.8% gain in ACIW shares and raised full-year guidance. As of October 23, 2025, ACIW's stock was down 4.47% over the past 30 days but up 1.73% for the past 12 months, with the next earnings report anticipated between October 31, 2025, and November 10, 2025.

ACI Worldwide is actively working towards a less seasonally weighted financial model. There has been some indication of demand seasonality related to holiday shopping. A 2022 report noted increases in "buy now, pay later" (BNPL) and "buy online, pick up in-store" (BOPIS) transactions during the 2021 holiday season, suggesting increased demand for payment solutions facilitating these transactions.

ACI Worldwide, Inc. is a global leader in digital payments software, providing mission-critical, real-time electronic payment and banking solutions within the Fintech and Information Technology sectors. The company develops, markets, installs, and supports software products and solutions focused on facilitating real-time digital payments for banks, financial institutions, merchants, and billers globally. Key offerings include ACI acquiring, ACI issuing, ACI enterprise payments platform, ACI low value real-time payments, and ACI high value real-time payments. The company also provides electronic bill presentment and payment (EBPP) services and Payments Intelligence solutions.

Headquartered in Elkhorn, Nebraska, ACI Worldwide serves customers in 94 countries. Its solutions power 25 domestic and pan-regional real-time schemes across six continents, including nine central infrastructures. Europe, the Middle East, and the UK are leading regional markets, followed by the Asia-Pacific region and the Americas region. ACI Worldwide maintains a global presence with offices in 34 countries.

ACI Worldwide has been involved in events that positively impact its brand reputation. The company appointed Todd Ford and Didier Lamouche as new independent directors to its Board. ACI Worldwide and Prosa announced a partnership to redefine payments in Latin America with an infrastructure upgrade. ACI Worldwide partnered with BitPay to power crypto and stablecoin payments for global merchants and hosted its Payments Unleashed summit.

The ownership structure of ACI Worldwide is a mix of institutional, retail, and individual investors. Institutional investors hold approximately 68.16% of the stock, with major holders including BlackRock Inc. and The Vanguard Group, Inc. Insiders own about 1.57% of the stock, while public companies and individual investors hold approximately 30.28%. Philip G. Heasley is the largest individual shareholder.