Form 8-K

8-K — ACI WORLDWIDE, INC.

Accession: 0000935036-26-000026

Filed: 2026-08-06

Period: 2026-08-06

CIK: 0000935036

SIC: 7372 (SERVICES-PREPACKAGED SOFTWARE)

Item: Results of Operations and Financial Condition

Item: Regulation FD Disclosure

Item: Financial Statements and Exhibits

Documents

8-K — aciw-20260806.htm (Primary)

EX-99.1 (aciw-20260806_exx991.htm)

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8-K

8-K (Primary)

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0000935036false00009350362026-08-062026-08-060000935036exch:XNGS2026-08-062026-08-06

UNITED STATES

SECURITIES AND EXCHANGE COMMISSION

Washington, D.C. 20549

___________________________

FORM 8-K

___________________________

CURRENT REPORT

Pursuant to Section 13 OR 15(d) of The Securities Exchange Act of 1934

Date of Report (Date of earliest event reported): August 6, 2026

Commission File Number 0-25346

ACI WORLDWIDE, INC.

(Exact name of registrant as specified in its charter)

Delaware 47-0772104

(State or other jurisdiction of incorporation or organization) (I.R.S. Employer Identification No.)

6060 Coventry Drive Elkhorn, Nebraska

68022

(Address of Principal Executive Offices) (Zip Code)

(402) 390-7600

(Registrant's telephone number, including area code)

Check the appropriate box below if the Form 8-K filing is intended to simultaneously satisfy the filing obligation of the registrant under any of the following provisions:

☐ Written communications pursuant to Rule 425 under the Securities Act (17 CFR 230.425)

☐ Soliciting material pursuant to Rule 14a-12 under the Exchange Act (17 CFR 240.14a-12)

☐ Pre-commencement communications pursuant to Rule 14d-2(b) under the Exchange Act (17 CFR 240.14d-2(b))

☐ Pre-commencement communications pursuant to Rule 13e-4(c) under the Exchange Act (17 CFR 240.13e-4(c))

Securities registered pursuant to Section 12(b) of the Act:

Title of each class Trading Symbol(s) Name of each exchange on which registered

Common Stock, $0.005 par value ACIW Nasdaq Global Select Market

Indicate by check mark whether the registrant is an emerging growth company as defined in Rule 405 of the Securities Act of 1933 (§230.405 of this chapter) or Rule 12b-2 of the Securities Exchange Act of 1934 (§240.12b-2 of this chapter).

Emerging growth company ☐

If an emerging growth company, indicate by check mark if the registrant has elected not to use the extended transition period for complying with any new or revised financial accounting standards provided pursuant to Section 13(a) of the Exchange Act. ☐

Item 2.02. Results of Operation and Financial Condition.

On August 6, 2026, the Company issued a press release announcing its financial results for the three months ended June 30, 2026. A copy of this press release is attached hereto as Exhibit 99.1.

The foregoing information (including the exhibits hereto) is being furnished under “Item 2.02 – Results of Operations and Financial Condition” and “Item 7.01 – Regulation FD Disclosure.” Such information (including the exhibits hereto) shall not be deemed “filed” for purposes of Section 18 of the Securities Exchange Act of 1934, as amended, nor shall it be deemed incorporated by reference in any filing under the Securities Act of 1933, as amended, except as shall be expressly set forth by specific reference in such filing.

The filing of this report and the furnishing of this information pursuant to Items 2.02 and 7.01 do not mean that such information is material or that disclosure of such information is required.

Item 7.01. Regulation FD Disclosure.

See “Item 2.02 – Results of Operation and Financial Condition” above.

Item 9.01. Financial Statements and Exhibits.

(d) Exhibits.

99.1

Press Release dated August 6, 2026

99.2

Investor presentation materials dated August 6, 2026

104 Cover Page Interactive Data File (embedded within the Inline XBRL document)

SIGNATURE

Pursuant to the requirements of the Securities Exchange Act of 1934, the registrant has duly caused this report to be signed on its behalf by the undersigned thereunto duly authorized.

ACI WORLDWIDE, INC.

(Registrant)

Date: August 6, 2026

By:

/s/ ROBERT W. LEIBROCK

Robert W. Leibrock

Executive Vice President, Chief Financial Officer and Chief Accounting Officer

(Principal Financial Officer)

EX-99.1

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Document

Exhibit 99.1

ACI Worldwide Reports Strong Second Quarter 2026

Results and Raises Full-Year Guidance

HIGHLIGHTS

•Q2 revenue of $430 million, increased 7% (6% in constant currency)

•Q2 GAAP net income of $32 million and adjusted EBITDA of $91 million, increased 12% (9% in constant currency)

•Q2 GAAP diluted EPS of $0.31 and adjusted diluted EPS of $0.54, increased 54%

•Successfully enabled ACI Connetic across eight major U.S. payment networks and signed two U.S. customers

•2.5 million shares repurchased YTD for $107 million

•Raising full year 2026 financial guidance for revenue & adjusted EBITDA

Omaha, NE — August 6, 2026 — ACI Worldwide (NASDAQ: ACIW), a leading provider of global payments technology, today announced financial results for the second quarter ended June 30, 2026 and increased financial guidance for full-year 2026.

"Signing two U.S.-based customers for ACI Connetic is a significant milestone and validates both the strength of our cloud-native payments platform and the growing demand for payments modernization in the world's largest banking market," said Thomas Warsop, President and CEO of ACI Worldwide.

"In the second quarter, we delivered 7% revenue growth, expanded EBITDA margins and continued to execute our balanced capital allocation strategy. We continued to invest in ACI Connetic to support long-term organic growth and, at the same time, returned capital to shareholders through share repurchases. As a result of our strong first-half performance, we are increasing our full-year revenue and adjusted EBITDA guidance. We enter the second half of 2026 with strong momentum, a healthy pipeline and confidence in our ability to create long-term shareholder value."

Q2 2026 FINANCIAL SUMMARY

In Q2 2026, total revenue was $430 million, up 7% from Q2 2025, or up 6% on a constant currency basis. Recurring revenue was $336 million, up 5% from Q2 2025, or up 4% on a constant currency basis.

Net income of $32 million in Q2 2026 compares to net income of $12 million in Q2 2025. Total adjusted EBITDA in Q2 2026 was $91 million, up 12% from Q2 2025, or up 9% on a constant currency basis. Net adjusted EBITDA margin in Q2 2026 was 34%, up from 32% in Q2 2025.

GAAP diluted EPS in Q2 2026 was $0.31 and adjusted diluted EPS was $0.54, up 54% from Q2 2025.

PAYMENT SOFTWARE SEGMENT RESULTS

Payment Software revenue in Q2 2026 was $196 million, up 9% from Q2 2025, or up 7% on a constant currency basis. The segment saw particular strength from Issuing and Acquiring revenue, which increased 33% on a constant currency basis versus Q2 2025, driven by large expansions with renewing customers. Payments Intelligence and Merchant Payments revenue each increased 3% on a constant currency basis in the quarter. Real-Time Payments revenue was $23 million, down from last year due to renewal timing. Recurring revenue in the segment, which represents SaaS and Maintenance revenues, increased 3%, versus Q2 2025, or 2% on a constant currency basis.

Payment Software adjusted EBITDA in Q2 2026 was $94 million, up 12%, or up 9% on a constant currency basis from Q2 2025 driven by operating leverage and disciplined expense management, partially offset by ongoing growth investments. As a result, net adjusted EBITDA margin in Q2 2026 was 48%, up from 46% in Q2 2025.

BILLER SEGMENT RESULTS

Biller revenue in Q2 2026 was $234 million, up 5% from Q2 2025 on a reported and constant currency basis. Biller revenue, net of interchange fees, was $68 million, down 3%, from Q2 2025, driven by a strong comparison with significant new onboarding and transactions in the same period last year, as previously discussed. Based on new business wins and current transactions trends, the company’s expectation for full-year 2026 Biller revenue growth in the high single digits remains unchanged.

Biller adjusted EBITDA in Q2 2026 was $35 million, down 13%, from Q2 2025. Net adjusted EBITDA margin, net of interchange fees, was 51%, down from 56% in Q2 2025. Results in the current period reflected lower net revenue compared to the strong prior-year, the impact of certain discrete operating expenses and continued investments in Speedpay ONE.

YEAR-TO-DATE 2026 FINANCIAL SUMMARY

Year-to-date 2026 total revenue was $856 million, up 8% from year-to-date 2025, or up 6% on a constant currency basis. Recurring revenue was $649 million, up 7% from year-to-date 2025, or up 6% on a constant currency basis. Year-to-date 2026 net income of $70 million compares to net income of $71 million for year-to-date 2025, which included a $22 million after-tax gain on the sale of our minority interest in Mindgate. GAAP diluted EPS for year-to-date 2026 was $0.69 and adjusted diluted EPS was $1.16, up 35% from year-to-date 2025.

Total adjusted EBITDA for year-to-date 2026 was $196 million, up 12% from year-to-date 2025, or up 8% on a constant currency basis. Net adjusted EBITDA margin for year-to-date 2026 was 36%, up from 34% in year-to-date 2025.

NEW BOOKINGS

Net new ARR bookings in Q2 2026 were $18 million, down 25%, from Q2 2025, as strength in Biller segment ARR growth was offset by the timing of expected Payment Software contracts. New license and services bookings were $59 million in Q2 2026, up 2% from Q2 2025. Net new ARR bookings for the trailing twelve months ended June 30, 2026 were $68 million, down 15% from 2025. New license and services bookings for the trailing twelve months ended June 30, 2026 were $255 million down 12% from 2025. The company expects full year 2026 growth for both new ARR and new license and services bookings.

BALANCE SHEET AND LIQUIDITY, CASH FLOW, AND REPURCHASES

ACI ended Q2 2026 with $167 million in cash on hand and a debt balance of $826 million, representing a net debt leverage ratio of 1.2x adjusted EBITDA. ACI had total cash and available liquidity under its credit facility of $540 million. Operating cash flows for year-to-date 2026 were $135 million, up from $128 million for year-to-date 2025.

During Q2 2026, the company repurchased approximately 948,000 shares for approximately $41 million at an average price of $43.75. Year-to-date 2026, repurchases totaled 2.5 million shares for approximately $107 million at an average price of $42.75. The company has approximately $349 million remaining available on the share repurchase authorization and continues to expect to allocate 50-60% of operating cash flow to share repurchases for the full year, subject to market conditions.

RAISING 2026 GUIDANCE

Based on first half 2026 performance and the strength of its pipeline, the company is increasing its full-year 2026 guidance. The company now expects revenue in the range of $1.895 billion to $1.925 billion, up from the prior range of $1.890 billion to $1.920 billion, and adjusted EBITDA in the range of $545 million to $560 million, up from $540 million to $555 million. For the second half of 2026, the company continues to expect an approximately 40% and 60% revenue weighting for Q3 and Q4, respectively, driven by the timing of high margin Payment Software license renewals. This equates to revenue of $417 million to $427 million in Q3 2026. Adjusted EBITDA in Q3 2026 is expected to be $90 million to $95 million.

CONFERENCE CALL TO DISCUSS FINANCIAL RESULTS

Today, management will host a conference call at 8:30 a.m. ET to discuss these results.

Webcast: http://investor.aciworldwide.com/

Pre-registration (recommended): https://events.q4inc.com/analyst/520999677?pwd=fAB3MTWf

Pre-registration provides a unique passcode to join without operator assistance.

Dial-in:

USA Toll-Free: 1 833 461 5787 or International Toll: 1 585 542 9983 Conference ID: 520999677

About ACI Worldwide

ACI Worldwide, an original innovator in global payments technology, delivers transformative software solutions that power intelligent payments orchestration in real time so banks, billers, and merchants can drive growth, while continuously modernizing their payment infrastructures, simply and securely. With more than 50 years of trusted payments expertise, we combine our global footprint with a local presence to offer enhanced payment experiences to stay ahead of constantly changing payment challenges and opportunities.

ACI, ACI Worldwide, ACI Payments, Inc., ACI Pay, Speedpay ONE and all ACI product/solution names are trademarks or registered trademarks of ACI Worldwide, Inc., or one of its subsidiaries, in the United States, other countries or both. Other parties' trademarks referenced are the property of their respective owners.

For more information contact:

Investor Relations

John Kraft

SVP, Head of Strategy and Finance

305-894-2223 / john.kraft@aciworldwide.com

To supplement our financial results presented on a GAAP basis, we use the non-GAAP measures indicated in the tables, which exclude significant transaction-related expenses, as well as other significant non-cash expenses such as depreciation, amortization, and stock-based compensation, that we believe are helpful in understanding our past financial performance and our future results. The presentation of these non-GAAP financial measures should be considered in addition to our GAAP results and are not intended to be considered in isolation or as a substitute for the financial information prepared and presented in accordance with GAAP. Management generally compensates for limitations in the use of non-GAAP financial measures by relying on comparable GAAP financial measures and providing investors with a reconciliation of non-GAAP financial measures only in addition to and in conjunction with results presented in accordance with GAAP.

We believe that these non-GAAP financial measures reflect an additional way to view aspects of our operations that, when viewed with our GAAP results, provide a more complete understanding of factors and trends affecting our business. Certain non-GAAP measures include:

•Adjusted EBITDA: net income (loss) plus income tax expense (benefit), net interest income (expense), net other income (expense), depreciation, amortization and stock-based compensation, as well as significant transaction-related expenses. Adjusted EBITDA should be considered in addition to, rather than as a substitute for, net income (loss).

•Net Adjusted EBITDA Margin: Adjusted EBITDA divided by revenue net of pass-through interchange revenue. Net Adjusted EBITDA Margin should be considered in addition to, rather than as a substitute for, net income (loss).

•Adjusted Diluted EPS: diluted EPS plus tax effected significant transaction related items, amortization of acquired intangibles and software, and non-cash stock-based compensation. Adjusted diluted EPS should be considered in addition to, rather than as a substitute for, diluted EPS.

•Recurring Revenue: revenue from software as a service and platform as a service fees and maintenance fees. Recurring revenue should be considered in addition to, rather than as a substitute for, total revenue.

•ARR: New annual recurring revenue expected to be generated from new accounts, new applications, and add-on sales bookings contracts signed in the period.

FORWARD-LOOKING STATEMENTS

This press release contains forward-looking statements based on current expectations that involve a number of risks and uncertainties. Generally, forward-looking statements do not relate strictly to historical or current facts and may include words or phrases such as “believes,” “will,” “expects,” “anticipates,” “intends,” and words and phrases of similar impact. The forward-looking statements are made pursuant to safe harbor provisions of the Private Securities Litigation Reform Act of 1995.

Forward-looking statements in this press release include, but are not limited to: (i) the growing demand for payments modernization in the world’s largest banking market, (ii) we enter the second half of 2026 with strong momentum, a healthy pipeline and confidence in our ability to create long-term shareholder value, (iii) based on new business wins and current transactions trends, the company’s expectation for full-year 2026 Biller revenue growth in the high single digits remains unchanged, (iv) the company expects full year 2026 growth for both new ARR and new license and services bookings, (v) our full‑year outlook including Q3 2026 and full-year 2026 revenue and adjusted EBITDA financial guidance, and (vi) expectations to allocate 50-60% of operating cash flow to share repurchases for the full year, subject to market conditions.

All of the foregoing forward-looking statements are expressly qualified by the risk factors discussed in our filings with the Securities and Exchange Commission. Such factors include, but are not limited to, increased competition, business interruptions, cybersecurity incidents or failure of our information technology and communication systems, security breaches, reliance on third-party cloud infrastructure and related services, reliance on third-parties, our ability to attract and retain senior management personnel and skilled technical employees, future acquisitions, strategic partnerships and investments, divestitures and other restructuring activities, implementation and success of our strategy, anti-takeover provisions, exposure to credit or operating risks arising from certain payment funding methods, loss caused by theft or fraud, customer reluctance to switch to a new vendor, our ability to adequately defend our intellectual property, litigation, consent orders and other compliance agreements, our offshore software development activities, risks from operating internationally, including fluctuations in currency exchange rates, adoption of ACI Connetic, adverse changes in the global economy, compliance of our products with applicable legislation, governmental regulations and industry standards, the complexity of our products and services and the risk that they may contain hidden defects, legal and business risks from artificial intelligence technology incorporated into our products, risks to our business from the use of artificial intelligence by our workforce, complex regulations applicable to our payments business, our compliance with privacy and cybersecurity regulations, compliance with requirements of the payment card networks and Nacha, exposure to unknown tax liabilities, changes in tax laws and regulations, consolidations and failures in the financial services industry, volatility in our stock price, demand for our products, failure to obtain renewals of customer contracts or to obtain such renewals on favorable terms, delay or cancellation of customer projects or inaccurate project completion estimates, changes in card association and debit network fees or products, impairment of our goodwill or intangible assets, the accuracy of management’s backlog estimates, the cyclical nature of our revenue and earnings and the accuracy of forecasts due to the concentration of revenue-generating activity during the final weeks of each quarter, restrictions and other financial covenants in our debt agreements, our existing levels of debt, incurring additional debt, events outside of our control including natural disasters, wars, and outbreaks of disease, and revenues or revenue mix below expectations. For a detailed discussion of these risk factors, parties that are relying on the forward-looking statements should review our filings with the Securities and Exchange Commission, including our most recently filed Annual Report on Form 10-K and our Quarterly Reports on Form 10-Q.

ACI WORLDWIDE, INC. AND SUBSIDIARIES

CONDENSED CONSOLIDATED BALANCE SHEETS

(unaudited and in thousands)

June 30, 2026 December 31, 2025

ASSETS

Current assets

Cash and cash equivalents $ 167,398 $ 196,462

Receivables, net of allowances 459,253 445,866

Settlement assets 447,171 397,346

Prepaid expenses 43,995 29,876

Other current assets 26,628 19,564

Total current assets 1,144,445 1,089,114

Noncurrent assets

Accrued receivables, net 357,813 391,719

Property and equipment, net 38,041 37,363

Operating lease right-of-use assets 24,687 28,733

Software, net 67,896 77,523

Goodwill 1,230,984 1,231,128

Intangible assets, net 136,156 147,062

Deferred income taxes, net 68,699 73,124

Other noncurrent assets 26,549 29,141

TOTAL ASSETS $ 3,095,270 $ 3,104,907

LIABILITIES AND STOCKHOLDERS’ EQUITY

Current liabilities

Accounts payable $ 66,457 $ 64,931

Settlement liabilities 444,734 396,034

Employee compensation 38,318 56,142

Current portion of long-term debt 40,973 40,941

Deferred revenue 75,654 73,637

Other current liabilities 57,296 73,958

Total current liabilities 723,432 705,643

Noncurrent liabilities

Deferred revenue 13,024 13,620

Long-term debt 781,204 776,667

Deferred income taxes, net 37,361 38,514

Operating lease liabilities 18,562 22,609

Other noncurrent liabilities 24,943 28,776

Total liabilities 1,598,526 1,585,829

Commitments and contingencies

Stockholders’ equity

Preferred stock — —

Common stock 702 702

Additional paid-in capital 761,821 761,523

Retained earnings 1,894,847 1,824,743

Treasury stock (1,052,735) (964,752)

Accumulated other comprehensive loss (107,891) (103,138)

Total stockholders’ equity 1,496,744 1,519,078

TOTAL LIABILITIES AND STOCKHOLDERS’ EQUITY $ 3,095,270 $ 3,104,907

ACI WORLDWIDE, INC. AND SUBSIDIARIES

CONDENSED CONSOLIDATED STATEMENTS OF OPERATIONS

(unaudited and in thousands, except per share amounts)

Three Months Ended

June 30, Six Months Ended

June 30,

2026 2025 2026 2025

Revenues

Software as a service and platform as a service $ 284,762 $ 271,258 $ 546,719 $ 508,341

License 68,795 56,711 156,836 141,204

Maintenance 51,558 50,421 102,476 99,063

Services 25,308 22,868 50,141 47,215

Total revenues 430,423 401,258 856,172 795,823

Operating expenses

Cost of revenue (1) 248,850 234,800 477,309 448,178

Research and development 47,900 41,107 91,992 80,015

Selling and marketing 30,603 28,741 60,839 60,927

General and administrative 34,484 37,651 74,700 65,243

Depreciation and amortization 23,937 24,101 49,193 48,086

Total operating expenses 385,774 366,400 754,033 702,449

Operating income 44,649 34,858 102,139 93,374

Other income (expense)

Interest expense (11,979) (14,527) (24,177) (29,210)

Interest income 5,592 3,934 9,198 7,998

Other, net 662 (6,393) 2,188 17,347

Total other income (expense) (5,725) (16,986) (12,791) (3,865)

Income before income taxes

38,924 17,872 89,348 89,509

Income tax expense

7,126 5,670 19,244 18,437

Net income

$ 31,798 $ 12,202 $ 70,104 $ 71,072

Income per common share

Basic $ 0.31 $ 0.12 $ 0.69 $ 0.68

Diluted $ 0.31 $ 0.12 $ 0.69 $ 0.67

Weighted average common shares outstanding

Basic 101,503 104,376 101,711 104,860

Diluted 101,676 105,103 102,256 105,960

(1) The cost of revenue excludes charges for depreciation but includes amortization of purchased and developed software for resale.

ACI WORLDWIDE, INC. AND SUBSIDIARIES

CONDENSED CONSOLIDATED STATEMENTS OF CASH FLOWS

(unaudited and in thousands)

Three Months Ended June 30, Six Months Ended June 30,

2026 2025 2026 2025

Cash flows from operating activities:

Net income

$ 31,798 $ 12,202 $ 70,104 $ 71,072

Adjustments to reconcile net income to net cash flows from operating activities:

Depreciation 3,595 3,189 6,995 6,345

Amortization 20,403 20,912 42,322 41,741

Amortization of operating lease right-of-use assets 2,324 2,407 4,661 4,842

Amortization of deferred debt issuance costs 407 620 819 1,270

Deferred income taxes (2,647) (1,745) 3,681 (4,208)

Stock-based compensation expense 18,662 16,411 35,619 28,038

Gain on sale of equity investment

— — — (25,927)

Other 413 1,591 (177) 873

Changes in operating assets and liabilities:

Receivables 11,174 7,051 21,334 48,691

Accounts payable 7,820 4,932 8,757 12,411

Accrued employee compensation 6,642 8,980 (17,647) (16,202)

Deferred revenue (3,569) (3,193) 1,334 (7,841)

Other current and noncurrent assets and liabilities (26,233) (23,560) (42,766) (33,087)

Net cash flows from operating activities 70,789 49,797 135,036 128,018

Cash flows from investing activities:

Purchases of property and equipment (6,852) (2,156) (9,855) (4,326)

Purchases of software (6,861) (5,383) (18,369) (12,142)

Proceeds from sale of equity investment

— — — 46,021

Net cash flows from investing activities (13,713) (7,539) (28,224) 29,553

Cash flows from financing activities:

Proceeds from issuance of common stock 861 819 1,766 1,632

Proceeds from exercises of stock options 1,288 214 1,352 796

Repurchase of stock-based compensation awards for tax withholdings (15,231) (13,156) (19,070) (20,226)

Repurchases of common stock (41,476) (119,362) (106,753) (133,770)

Redemption of 2026 Notes

— (400,000) — (400,000)

Proceeds from revolving credit facility 25,000 290,000 40,000 290,000

Repayment of revolving credit facility — (30,000) (15,000) (100,000)

Proceeds from term portion of credit agreement — 200,000 — 200,000

Repayment of term portion of credit agreement (10,625) (9,375) (21,250) (18,750)

Payments on or proceeds from other debt, net (7,127) (6,447) (10,666) (10,664)

Payments for debt issuance costs — (134) — (134)

Net (decrease) increase in settlement assets and liabilities (24,724) (26,751) (6,598) 61,573

Net cash flows from financing activities (72,034) (114,192) (136,219) (129,543)

Effect of exchange rate fluctuations on cash (2,711) 4,118 (5,130) 5,909

Net (decrease) increase in cash and cash equivalents (17,669) (67,816) (34,537) 33,937

Cash and cash equivalents, including settlement deposits, beginning of period 242,128 366,771 258,996 265,018

Cash and cash equivalents, including settlement deposits, end of period $ 224,459 $ 298,955 $ 224,459 $ 298,955

Reconciliation of cash and cash equivalents to the Consolidated Balance Sheets

Cash and cash equivalents $ 167,398 $ 189,697 $ 167,398 $ 189,697

Settlement deposits 57,061 109,258 57,061 109,258

Total cash and cash equivalents $ 224,459 $ 298,955 $ 224,459 $ 298,955

Three Months Ended June 30, Six Months Ended June 30,

Adjusted EBITDA (millions) 2026 2025 2026 2025

Net income

$ 31.8 $ 12.2 $ 70.1 $ 71.1

Plus:

Income tax expense

7.1 5.7 19.2 18.4

Net interest expense 6.4 10.6 15.0 21.2

Net other (income) expense (0.7) 6.4 (2.2) (17.3)

Depreciation expense 3.6 3.2 7.0 6.4

Amortization expense 20.4 20.9 42.3 41.7

Non-cash stock-based compensation expense 18.7 16.4 35.6 28.0

Adjusted EBITDA before significant transaction-related expenses $ 87.3 $ 75.4 $ 187.1 $ 169.5

Significant transaction-related expenses:

Cost reduction strategies 0.4 5.1 5.8 5.1

Other 3.1 0.4 3.1 0.4

Adjusted EBITDA $ 90.8 $ 80.9 $ 196.0 $ 175.0

Revenue, net of interchange:

Revenue $ 430.4 $ 401.3 $ 856.2 $ 795.8

Interchange 165.6 151.1 311.9 281.9

Revenue, net of interchange $ 264.8 $ 250.2 $ 544.3 $ 513.9

Net Adjusted EBITDA Margin 34 % 32 % 36 % 34 %

Three Months Ended June 30, Six Months Ended June 30,

Segment Information (millions) 2026 2025 2026 2025

Revenue

Payment Software

$ 196.4 $ 179.3 $ 409.8 $ 380.1

Biller

234.1 221.9 446.3 415.7

Total $ 430.4 $ 401.3 $ 856.2 $ 795.8

Recurring Revenue

Payment Software

$ 102.3 $ 99.8 $ 202.9 $ 191.6

Biller

234.1 221.9 446.3 415.8

Total $ 336.3 $ 321.7 $ 649.2 $ 607.4

Segment Adjusted EBITDA

Payment Software

$ 93.6 $ 83.3 $ 206.9 $ 189.8

Biller

34.7 39.8 68.7 70.7

Note: Amounts may not recalculate due to rounding.

Three Months Ended June 30,

2026 2025

EPS Impact of Non-cash and Significant Transaction-related Items (millions) EPS Impact $ in Millions

(Net of Tax) EPS Impact $ in Millions

(Net of Tax)

GAAP net income $ 0.31 $ 31.8 $ 0.12 $ 12.2

Adjusted for:

Significant transaction-related expenses 0.03 2.7 0.04 4.1

Amortization of acquisition-related intangibles 0.04 4.2 0.04 4.2

Amortization of acquisition-related software 0.02 1.6 0.03 3.2

Non-cash stock-based compensation 0.14 14.7 0.12 13.0

Total adjustments $ 0.23 $ 23.2 $ 0.23 $ 24.5

Adjusted Diluted EPS $ 0.54 $ 55.0 $ 0.35 $ 36.7

Six Months Ended June 30,

2026 2025

EPS Impact of Non-cash and Significant Transaction-related Items (millions) EPS Impact $ in Millions

(Net of Tax) EPS Impact $ in Millions

(Net of Tax)

GAAP net income

$ 0.69 $ 70.1 $ 0.67 $ 71.1

Adjusted for:

Gain on sale of equity investment

— — (0.20) (21.7)

Significant transaction-related expenses 0.07 6.8 0.04 4.1

Amortization of acquisition-related intangibles 0.08 8.4 0.08 8.3

Amortization of acquisition-related software 0.05 4.9 0.06 6.4

Non-cash stock-based compensation 0.27 28.1 0.21 22.2

Total adjustments $ 0.47 $ 48.2 $ 0.19 $ 19.3

Adjusted Diluted EPS $ 1.16 $ 118.3 $ 0.86 $ 90.4

Three Months Ended June 30, Six Months Ended June 30,

Recurring Revenue (millions) 2026 2025 2026 2025

SaaS and PaaS fees $ 284.8 $ 271.3 $ 546.7 $ 508.3

Maintenance fees 51.6 50.4 102.5 99.1

Recurring Revenue $ 336.3 $ 321.7 $ 649.2 $ 607.4

New Bookings (millions) Three Months Ended June 30, TTM Ended June 30,

2026 2025 2026 2025

Annual recurring revenue (ARR) bookings $ 18.3 $ 24.3 $ 67.7 $ 79.5

License and services bookings 59.2 58.1 255.2 290.2

Note: Amounts may not recalculate due to rounding.

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