Q2 HIGHLIGHTS
- Revenue of $300 million, up 1% from Q2 last year
- Recurring revenue was 78% of total revenue, up from 75% in Q2
last year
- Net income of $14 million, up 146% from Q2 last year
- Adjusted EBITDA of $78 million, up 42% from Q2 last year
- Cash flow from operations of $68 million, up 371% from Q2 last
year
ACI Worldwide (NASDAQ: ACIW), a leading global provider of
real-time digital payment software and solutions, today announced
financial results for the quarter ended June 30, 2020.
“Despite the continued challenges presented by the COVID-19
pandemic, our focus on maximizing profitability, coupled with our
resilient business model, produced significant EBITDA growth of 42%
and margin expansion of 1,000 basis points versus the second
quarter of last year,” said Odilon Almeida, President and CEO of
ACI Worldwide. “ACI’s substantial recurring revenue, reliable cash
flows, and high customer retention continue to provide stability as
we navigate the macroeconomic landscape. We are also making
significant progress in developing and implementing our
three-pillar strategy, namely, Fit for Growth, Focused on Growth,
and Step Change Value Creation. Guided by these three fundamental
pillars and with a sense of urgency, we will build an agile and
nimble organization with a best in class global sales process; we
will focus our investment on growing geographies, segments and
products; and we will pursue M&A opportunities that will drive
step-change value creation. We are confident that we have the right
team, assets, and three-pillar strategy to build a financially
stronger and operationally superior company that is well positioned
for continuous profitable growth and significant value
creation.”
Q2 2020 FINANCIAL RESULTS
New bookings in the quarter were $136 million, up 6% compared to
Q2 last year.
Revenue in the quarter was $300 million, up 1% compared to Q2
2019, or up 2% after adjusting for foreign currency fluctuations.
Total recurring revenue was up 4% compared to Q2 last year and
comprised 78% of total revenue in Q2 2020 compared to 75% of total
revenue in Q2 last year.
Net income in the quarter was $14 million, up 146% compared to
Q2 last year. Adjusted EBITDA in the quarter was $78 million, up
42% compared to Q2 last year. Net adjusted EBITDA margin was 35%
versus 25% in Q2 last year.
Revenue from ACI’s On Demand segment was $181 million, up 5%
from Q2 last year. On Demand segment net adjusted EBITDA margin
improved to 31% compared to 18% last year. On Demand segment net
adjusted EBITDA margin is adjusted for pass through interchange
revenue of $75 million and $78 million, for Q2 2020 and Q2 2019,
respectively.
Revenue from ACI’s On Premise segment was $119 million, down 5%
from Q2 last year primarily as a result of lower non-recurring
license and services revenue. On Premise segment adjusted EBITDA
margin was 50% in Q2 2020 versus 46% in Q2 2019.
ACI ended Q2 2020 with a 12-month backlog of $1.1 billion and a
60-month backlog of $5.8 billion.
Cash flows from operating activities in the quarter were $68
million, up 371% from Q2 2019. ACI ended the quarter with $129
million in cash on hand and $300 million available on the Company’s
credit facility. The Company paid down $40 million in debt during
the quarter.
FIRST HALF 2020 FINANCIAL RESULTS
New bookings in the six-months ended June 30, 2020 were $256
million, up 29% compared to the same period last year.
Revenue in the six-months ended June 30, 2020 was $591 million,
up 17% compared to the same period last year driven primarily by
the acquisition of Speedpay. Recurring revenue was 81% of total
revenue in the six-months ended June 30, 2020 compared to 77% of
total revenue in the same period last year.
Net loss in the six-months ended June 30, 2020 of $10 million,
compared to a net loss of $20 million in the same period last year.
Adjusted EBITDA in the six-months ended June 30, 2020 was $116
million, up 84% compared to the same period last year. Net adjusted
EBITDA margin was 27% versus 17% in the first half last year.
Revenue from ACI’s On Demand segment was $374 million in the
six-months ended June 30, 2020, up 32% from the same period last
year. On Demand segment net adjusted EBITDA margin improved to 27%
compared to 11% last year. On Demand segment net adjusted EBITDA
margin is adjusted for pass through interchange revenue of $164
million and $123 million, for the six-months ended June 30, 2020
and 2019, respectively.
Revenue from ACI’s On Premise segment was $218 million in the
six-months ended June 30, 2020, down 1% from the same period last
year. On Premise segment adjusted EBITDA margin was 41% in the
six-months ended June 30, 2020 versus 39% in the same period last
year.
GUIDANCE
While a significant portion of ACI’s revenues are recurring and
the Company is optimistic about its pipeline of deals, the duration
and severity of the COVID-19 pandemic has caused uncertainty
regarding the timing of signing and realizing of revenue from new
business. As previously announced, ACI has suspended guidance
regarding its financial outlook for the full year 2020.
CONFERENCE CALL TO DISCUSS FINANCIAL RESULTS Management
will host a conference call at 8:30 am ET today to discuss these
results. Interested persons may access a real-time audio broadcast
of the teleconference at http://investor.aciworldwide.com/ or use
the following numbers for dial-in participation: US/Canada: (866)
914-7436, international: +1 (817) 385-9117. Please provide your
name, the conference name ACI Worldwide, Inc. and conference code
6539894. There will be a replay of the call available for two weeks
on (855) 859-2056 for US/Canada callers and +1 (404) 537-3406 for
international participants.
About ACI Worldwide ACI Worldwide powers digital payments
for more than 6,000 organizations around the world. More than 1,000
of the largest financial institutions and intermediaries, as well
as thousands of global merchants, rely on ACI to execute $14
trillion each day in payments and securities. In addition, myriad
organizations utilize our bill presentment and payment services.
Through our comprehensive suite of software solutions delivered on
customers’ premises, through the public cloud or through ACI’s
private cloud, we provide real-time payment capabilities and enable
the industry’s most complete omni-channel payments experience.
© Copyright ACI Worldwide, Inc. 2020.
ACI, ACI Worldwide, ACI Payment Systems, the ACI logo and all
ACI product 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.
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).
ACI is also presenting adjusted operating free cash flow, which
is defined as net cash provided by operating activities and net
after-tax payments associated with significant transaction-related
expenses, less capital expenditures. Adjusted operating free cash
flow is considered a non-GAAP financial measure as defined by SEC
Regulation G. We utilize this non-GAAP financial measure, and
believe it is useful to investors, as an indicator of cash flow
available for debt repayment and other investing activities, such
as capital investments and acquisitions. We utilize adjusted
operating free cash flow as a further indicator of operating
performance and for planning investment activities. Adjusted
operating free cash flow should be considered in addition to,
rather than as a substitute for, net cash provided by operating
activities. A limitation of adjusted operating free cash flow is
that it does not represent the total increase or decrease in the
cash balance for the period. This measure also does not exclude
mandatory debt service obligations and, therefore, does not
represent the residual cash flow available for discretionary
expenditures. We believe that adjusted operating free cash flow is
useful to investors to provide disclosures of our operating results
on the same basis as that used by our management.
ACI backlog includes estimates for SaaS and PaaS, license,
maintenance, and services revenue specified in executed contracts
but excluded from contracted revenue that will be recognized in
future periods, as well as revenue from assumed contract renewals
to the extent that we believe recognition of the related revenue
will occur within the corresponding backlog period. We have
historically included assumed renewals in backlog estimates based
upon automatic renewal provisions in the executed contract and our
historic experience with customer renewal rates.
Backlog is considered a non-GAAP financial measure as defined by
SEC Regulation G. Our 60-month backlog estimates are derived using
the following key assumptions:
- License arrangements are assumed to renew at the end of their
committed term or under the renewal option stated in the contract
at a rate consistent with historical experience. If the license
arrangement includes extended payment terms, the renewal estimate
is adjusted for the effects of a significant financing
component.
- Maintenance fees are assumed to exist for the duration of the
license term for those contracts in which the committed maintenance
term is less than the committed license term.
- SaaS and PaaS arrangements are assumed to renew at the end of
their committed term at a rate consistent with our historical
experiences.
- Foreign currency exchange rates are assumed to remain constant
over the 60-month backlog period for those contracts stated in
currencies other than the U.S. dollar.
- Our pricing policies and practices are assumed to remain
constant over the 60-month backlog period.
Estimates of future financial results require substantial
judgment and are based on several assumptions, as described above.
These assumptions may turn out to be inaccurate or wrong for
reasons outside of management’s control. For example, our customers
may attempt to renegotiate or terminate their contracts for many
reasons, including mergers, changes in their financial condition,
or general changes in economic conditions (e.g. economic declines
resulting from COVID-19) in the customer’s industry or geographic
location. We may also experience delays in the development or
delivery of products or services specified in customer contracts,
which may cause the actual renewal rates and amounts to differ from
historical experiences. Changes in foreign currency exchange rates
may also impact the amount of revenue recognized in future periods.
Accordingly, there can be no assurance that amounts included in
backlog estimates will generate the specified revenues or that the
actual revenues will be generated within the corresponding 60-month
period. Additionally, because certain components of Committed
Backlog and all of Renewal Backlog estimates are operating metrics,
the estimates are not required to be subject to the same level of
internal review or controls as contracted but not recognized
Committed Backlog.
Backlog estimates should be considered in addition to, rather
than as a substitute for, reported revenue and contracted but not
recognized revenue (including deferred revenue).
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, expectations regarding: (i) ACI’s substantial
recurring revenue, reliable cash flows, and high customer retention
continue to provide stability as we navigate the macroeconomic
landscape, (ii) progress in developing and implementing our
three-pillar strategy, (iii) our building an agile and nimble
organization with a best in class global sales process, (iv) our
confidence that we have the right team, assets, and three-pillar
strategy to build a financially stronger and operationally superior
company that is well positioned for continuous profitable growth
and significant value creation, (v) our optimism about our pipeline
of deals, and (vi) uncertainty from COVID-19 and expectations for
the rest of 2020.
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, the success of our Universal
Payments strategy, demand for our products, consolidations and
failures in the financial services industry, customer reluctance to
switch to a new vendor, 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, the complexity of our products and services and the risk
that they may contain hidden defects or be subjected to security
breaches or viruses, compliance of our products with applicable
legislation, governmental regulations and industry standards, our
compliance with privacy regulations, our ability to protect
customer information from security breaches or attacks, our ability
to adequately defend our intellectual property, exposure to credit
or operating risks arising from certain payment funding methods,
business interruptions or failure of our information technology and
communication systems, our offshore software development
activities, risks from operating internationally, including
fluctuations in currency exchange rates, exposure to unknown tax
liabilities, adverse changes in the global economy, worldwide
events outside of our control, failure to attract and retain key
personnel, litigation, future acquisitions, strategic partnerships
and investments, integration of and achieving benefits from the
Speedpay acquisition, impairment of our goodwill or intangible
assets, restrictions and other financial covenants in our debt
agreements, our existing levels of debt, replacement of LIBOR
benchmark interest rate, the accuracy of management’s backlog
estimates, exposure to unknown tax liabilities, 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, volatility in our stock price, and the
COVID-19 pandemic. 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, except share and per share amounts)
June 30, 2020
December 31, 2019
ASSETS
Current assets
Cash and cash equivalents
$
129,223
$
121,398
Receivables, net of allowances
324,659
359,197
Settlement assets
338,372
391,039
Prepaid expenses
29,620
24,542
Other current assets
30,533
24,200
Total current assets
852,407
920,376
Noncurrent assets
Accrued receivables, net
199,964
213,041
Property and equipment, net
69,011
70,380
Operating lease right-of-use assets
54,816
57,382
Software, net
216,287
234,517
Goodwill
1,280,226
1,280,525
Intangible assets, net
335,697
356,969
Deferred income taxes, net
59,301
51,611
Other noncurrent assets
69,868
72,733
TOTAL ASSETS
$
3,137,577
$
3,257,534
LIABILITIES AND STOCKHOLDERS’
EQUITY
Current liabilities
Accounts payable
$
42,795
$
37,010
Settlement liabilities
314,017
368,719
Employee compensation
36,717
29,318
Current portion of long-term debt
34,206
34,148
Deferred revenue
73,729
65,784
Other current liabilities
78,995
76,971
Total current liabilities
580,459
611,950
Noncurrent liabilities
Deferred revenue
63,692
53,155
Long-term debt
1,282,889
1,339,007
Deferred income taxes, net
31,140
32,053
Operating lease liabilities
45,999
46,766
Other noncurrent liabilities
42,661
44,635
Total liabilities
2,046,840
2,127,566
Commitments and contingencies
Stockholders’ equity
Preferred stock
—
—
Common stock
702
702
Additional paid-in capital
667,554
667,658
Retained earnings
920,478
930,830
Treasury stock
(399,663)
(377,639)
Accumulated other comprehensive loss
(98,334)
(91,583)
Total stockholders’ equity
1,090,737
1,129,968
TOTAL LIABILITIES AND STOCKHOLDERS’
EQUITY
$
3,137,577
$
3,257,534
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,
2020
2019
2020
2019
Revenues
Software as a service and platform as a
service
$
180,573
$
172,499
$
373,523
$
281,056
License
50,136
52,541
78,265
73,619
Maintenance
52,749
51,922
106,029
107,033
Services
16,452
20,656
33,578
41,765
Total revenues
299,910
297,618
591,395
503,473
Operating expenses
Cost of revenue (1)
147,346
155,240
313,183
270,181
Research and development
35,578
39,235
74,602
75,429
Selling and marketing
24,455
32,962
54,538
62,392
General and administrative
29,758
49,319
65,684
80,836
Depreciation and amortization
33,635
26,744
65,533
48,610
Total operating expenses
270,772
303,500
573,540
537,448
Operating income (loss)
29,138
(5,882)
17,855
(33,975)
Other income (expense)
Interest expense
(14,142)
(15,323)
(31,313)
(26,937)
Interest income
2,954
2,997
5,854
6,030
Other, net
2,041
1,402
(7,717)
(510)
Total other income (expense)
(9,147)
(10,924)
(33,176)
(21,417)
Income (loss) before income
taxes
19,991
(16,806)
(15,321)
(55,392)
Income tax expense (benefit)
5,916
(22,531)
(4,969)
(35,154)
Net income (loss)
$
14,075
$
5,725
$
(10,352)
$
(20,238)
Income (loss) per common share
Basic
$
0.12
$
0.05
$
(0.09)
$
(0.17)
Diluted
$
0.12
$
0.05
$
(0.09)
$
(0.17)
Weighted average common shares
outstanding
Basic
116,033
116,586
116,019
116,287
Diluted
117,264
118,786
116,019
116,287
(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,
2020
2019
2020
2019
Cash flows from operating activities:
Net income (loss)
$
14,075
$
5,725
$
(10,352)
$
(20,238)
Adjustments to reconcile net income (loss)
to net cash flows from operating activities:
Depreciation
5,927
5,930
11,752
11,831
Amortization
29,765
23,848
57,762
42,799
Amortization of operating lease
right-of-use assets
5,245
3,646
8,801
7,029
Amortization of deferred debt issuance
costs
1,204
930
2,416
1,683
Deferred income taxes
5,671
(23,917)
(4,742)
(41,331)
Stock-based compensation expense
7,932
14,372
14,882
20,957
Other
1,122
959
1,772
1,533
Changes in operating assets and
liabilities, net of impact of acquisitions:
Receivables
(19,646)
(5,953)
29,053
88,596
Accounts payable
12,374
11,591
6,287
1,294
Accrued employee compensation
1,192
7,435
8,177
(1,163)
Current income taxes
(4,006)
(4,593)
(9,367)
(5,634)
Deferred revenue
(259)
(13,854)
22,236
(17,981)
Other current and noncurrent assets and
liabilities
7,433
(11,681)
(13,148)
(32,510)
Net cash flows from operating
activities
68,029
14,438
125,529
56,865
Cash flows from investing activities:
Purchases of property and equipment
(7,018)
(4,665)
(10,615)
(9,915)
Purchases of software and distribution
rights
(8,516)
(6,722)
(15,057)
(11,300)
Acquisition of businesses, net of cash
acquired
—
(758,546)
—
(758,546)
Net cash flows from investing
activities
(15,534)
(769,933)
(25,672)
(779,761)
Cash flows from financing activities:
Proceeds from issuance of common stock
947
922
1,894
1,753
Proceeds from exercises of stock
options
722
959
1,122
5,816
Repurchase of stock-based compensation
awards for tax withholdings
(151)
(185)
(11,124)
(2,809)
Repurchases of common stock
—
—
(28,881)
(631)
Proceeds from revolving credit
facility
—
250,000
30,000
250,000
Repayment of revolving credit facility
(30,000)
(15,000)
(69,000)
(15,000)
Proceeds from term portion of credit
agreement
—
500,000
—
500,000
Repayment of term portion of credit
agreement
(9,738)
(3,487)
(19,475)
(9,424)
Payments for debt issuance costs
—
(12,830)
—
(12,830)
Payments on or proceeds from other debt,
net
(1,093)
(363)
(4,686)
(2,220)
Net cash flows from financing
activities
(39,313)
720,016
(100,150)
714,655
Effect of exchange rate fluctuations on
cash
(3,083)
(1,298)
8,118
(865)
Net increase (decrease) in cash and cash
equivalents
10,099
(36,777)
7,825
(9,106)
Cash and cash equivalents, beginning of
period
119,124
176,173
121,398
148,502
Cash and cash equivalents, end of
period
$
129,223
$
139,396
$
129,223
$
139,396
Adjusted EBITDA (millions)
Three Months Ended June
30,
Six Months Ended June
30,
2020
2019
2020
2019
Net income (loss)
$
14.1
$
5.7
$
(10.4)
$
(20.2)
Plus:
Income tax expense (benefit)
5.9
(22.5)
(5.0)
(35.2)
Net interest expense
11.2
12.3
25.5
20.9
Net other income (expense)
(2.0)
(1.4)
7.7
0.5
Depreciation expense
5.9
5.9
11.8
11.8
Amortization expense
29.8
23.9
57.8
42.8
Non-cash stock-based compensation
expense
7.9
14.4
14.9
21.0
Adjusted EBITDA before significant
transaction-related expenses
$
72.8
$
38.3
$
102.3
$
41.6
Significant transaction-related
expenses
5.0
16.6
13.5
21.3
Adjusted EBITDA
$
77.8
$
54.9
$
115.8
$
62.9
Segment Information (millions)
Three Months Ended June
30,
Six Months Ended June
30,
2020
2019
2020
2019
Revenue
ACI On Demand
$
180.6
$
172.5
$
373.5
$
282.4
ACI On Premise
119.3
125.1
217.9
221.1
Total
$
299.9
$
297.6
$
591.4
$
503.5
Interchange
ACI On Demand
$
74.8
$
78.4
$
163.6
$
123.3
Net Revenue
ACI On Demand
$
105.8
$
94.1
$
209.9
$
159.1
ACI On Premise
119.3
125.1
217.9
221.1
Total
$
225.1
$
219.2
$
427.8
$
380.2
Segment Adjusted EBITDA
ACI On Demand
$
33.1
$
17.3
$
56.2
$
17.1
ACI On Premise
$
59.1
$
57.1
$
90.0
$
85.3
Segment Net Adjusted EBITDA
Margin
ACI On Demand
31.3
%
18.4
%
26.8
%
10.7
%
ACI On Premise
49.5
%
45.6
%
41.3
%
38.6
%
Reconciliation of Adjusted Operating
Free Cash Flow (millions)
Three Months Ended June
30,
Six Months Ended June
30,
2020
2019
2020
2019
Net cash flows from operating
activities
$
68.0
$
14.4
$
125.5
$
56.9
Net after-tax payments associated with
significant transaction-related expenses
5.0
12.5
9.0
15.2
Less: capital expenditures
(15.5)
(11.4)
(25.7)
(21.2)
Adjusted Operating Free Cash
Flow
$
57.5
$
15.5
$
108.8
$
50.9
EPS impact of non-cash and significant
transaction-related items (millions)
Three Months Ended June
30,
2020
2019
EPS Impact
$ in Millions (Net of
Tax)
EPS Impact
$ in Millions (Net of
Tax)
GAAP net income (loss)
$
0.12
$
14.1
$
0.05
$
5.7
Adjusted for:
Tax benefit from release of valuation
allowance
—
—
(0.16)
(18.5)
Significant transaction-related
expenses
0.03
3.5
0.11
12.6
Amortization of acquisition-related
intangibles
0.06
7.0
0.05
5.7
Amortization of acquisition-related
software
0.07
8.1
0.06
7.0
Non-cash stock-based compensation
0.05
6.0
0.09
10.9
Total adjustments
$
0.21
$
24.6
$
0.15
$
17.7
Diluted EPS adjusted for non-cash and
significant transaction-related items
$
0.33
$
38.7
$
0.20
$
23.4
EPS impact of non-cash and significant
transaction-related items (millions)
Six Months Ended June
30,
2020
2019
EPS Impact
$ in Millions (Net of
Tax)
EPS Impact
$ in Millions (Net of
Tax)
GAAP net income (loss)
$
(0.09)
$
(10.4)
$
(0.17)
$
(20.2)
Adjusted for:
Tax benefit from release of valuation
allowance
—
—
(0.16)
(18.5)
Significant transaction-related
expenses
0.09
10.3
0.14
16.2
Amortization of acquisition-related
intangibles
0.12
14.1
0.09
9.9
Amortization of acquisition-related
software
0.14
16.1
0.11
12.5
Non-cash stock-based compensation
0.10
11.3
0.14
15.9
Total adjustments
$
0.45
$
51.8
$
0.32
$
36.0
Diluted EPS adjusted for non-cash and
significant transaction-related items
$
0.36
$
41.4
$
0.15
$
15.8
View source
version on businesswire.com: https://www.businesswire.com/news/home/20200806005155/en/
John Kraft, Vice President, Investor Relations & Strategic
Analysis ACI Worldwide 239-403-4627 john.kraft@aciworldwide.com
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