ACI Worldwide (ACIW) Investor presentation summary

Business overview and market position

• Delivers real-time payments software for banks, billers, and merchants, supporting modernization and growth globally.

• Nearly 50 years of experience with a global footprint and local presence.

• Serves over 3,000 customers, including top global banks, merchants, and billers.

• Powers more than 80,000 merchants and 500 million bill pay transactions annually.

• Holds leading positions in real-time domestic schemes and central bank infrastructures.

Financial performance and growth

• Revenue grew from $1,225M in 2020 to $1,760M projected for 2025, with an 8% CAGR.

• Adjusted EBITDA increased from $356M in 2020 to a projected $544M in 2025, with a 9% CAGR.

• High recurring revenue, strong cash flow, and scalable model with improving margins.

• 2026 guidance: revenue of $1,880M–$1,910M and adjusted EBITDA of $530M–$550M.

• Target leverage of 2.0x net debt/EBITDA and increasing EBITDA to cash flow conversion.

Customer base and growth drivers

• Blue-chip, geographically diverse customers across Americas, EMEA, and Asia-Pacific.

• High retention rates and low downside risk due to existing customer base.

• Growth driven by cross-sales, new logos, and expansion into new applications.

• Payments software segment expects ~$942M revenue and ~$544M EBITDA in 2025.

• Biller segment expects ~$818M revenue and ~$141M EBITDA in 2025.