Core Insights - ACI Worldwide delivered a second consecutive year of double-digit revenue growth, reaching $1.76 billion, driven by demand across Payment Software and Biller segments [5] - The company unified its Bank and Merchant businesses into a single Payment Software segment to enhance operational efficiency and innovation [5] - ACI's Connetic cloud-native platform strategy was validated through key signings with large European banks, bridging legacy systems and modern architecture [5] - The company adopted an 'AI-first' approach via the Velocity program, focusing on engineering productivity and intelligent exception handling [5] - ACI projects 2026 revenue growth of 7% to 9% on a constant currency basis, with a second-half weighted revenue profile [5] Strategic Performance Drivers - The company expanded market share in the Biller segment as organizations consolidate onto modern digital platforms like Speedpay One [5] - ACI plans to launch the card-based portion of the Connetic platform, significantly expanding use cases for mid-tier financial institutions [5] - The company maintains a disciplined capital allocation framework, targeting to return 50% to 60% of operating cash flow to shareholders via repurchases [5] Operational and Governance Updates - ACI has a strong balance sheet with a net debt leverage ratio of 1.2x, providing flexibility for strategic M&A or further capital returns [5] - Kim deBeers was appointed to the Board of Directors as part of a planned refreshment process, following recent board additions [5] M&A Strategy - Potential M&A targets have been identified that could accelerate Connetic's technical roadmap or provide strategic geographic expansion into underserved markets [6]