Summary of ACI's Earnings Call Company Overview - ACI is a $1.7 billion software and SaaS company that has been a key player in the global payments ecosystem for over 50 years, serving 19 of the top 20 global banks and providing mission-critical payment software for banks, merchants, and billers worldwide [1][4][5] Key Financial Metrics - ACI generates approximately $500 million in EBITDA, with about two-thirds realized in cash [4] - The company has posted a 12% growth in its bill pay segment through nine months, with a strong backlog indicating continued double-digit growth [15][18] - ACI has a revenue growth target of 7%-9%, with actual growth exceeding this target [14][15] Strategic Focus and Innovation - ACI is focusing on high single-digit growth and investing in innovation to meet customer demands [8][56] - The company is developing a new platform called Kinetic, which is a cloud-native payments hub aimed at providing intelligent payment orchestration, enhancing the capabilities of banks [11][42] - ACI is also enhancing its SpeedPay platform, consolidating legacy systems into a new cloud-native solution to improve customer experience and operational efficiency [51][52] Market Trends and Opportunities - The shift towards real-time payments and cross-border modernization is seen as a significant growth opportunity for ACI, with real-time payments being the fastest-growing new payment type [27][30] - ACI is positioned to capitalize on the increasing complexity in payment systems, which is driving demand for its solutions [14][24] - The company is exploring the potential of stablecoin, viewing it as an opportunity to add complexity to existing banking systems rather than a threat to its revenue [36][39] Customer Relationships and Retention - ACI has a high customer retention rate in the upper 90s, indicating strong customer loyalty and satisfaction [24][70] - The company emphasizes the importance of its mission-critical software, which is essential for customers to avoid negative impacts on their credit scores due to missed payments [15][16] Capital Allocation and Financial Strategy - ACI has been active in share buybacks, repurchasing 3 million shares for about $150 million in the first nine months of the year, with an increased authorization for $500 million [60][61] - The company has reduced its leverage from a target of 2.5x to 1.3x, prioritizing debt repayment before returning capital to shareholders [60][61] Conclusion - ACI is positioned for sustained growth through innovation, strategic partnerships, and a focus on customer needs, with a clear roadmap for the future that includes the rollout of new platforms and enhancements to existing services [56][58][59]

Core Insights - Uniti Group Inc. announced that its CFO Paul Bullington and SVP Bill DiTullio will present at the BofA Securities 2025 Leveraged Finance Conference on December 2, 2025 [1] - The presentation will be accessible via a live webcast on Uniti's Investor Relations website, with a replay available for a limited time [2] Company Overview - Uniti is a leading fiber provider in the United States, focused on delivering mission-critical connectivity [3] - The company serves over a million consumers and businesses, offering a wide range of fast and reliable communication services through various brands, including Uniti Wholesale, Kinetic, Uniti Fiber, and Uniti Solutions [3]

Core Viewpoint - Uniti Group Inc. is scheduled to present at the Wells Fargo 9th Annual TMT Summit, highlighting its commitment to mission-critical connectivity in the digital economy [1]. Company Overview - Uniti Group Inc. (NASDAQ: UNIT) is a leading fiber provider in the United States, focusing on delivering fast and reliable communications services to over a million consumers and businesses [3]. - The company operates through various brands, including Uniti Wholesale, Kinetic, Uniti Fiber, and Uniti Solutions, showcasing a broad portfolio of services [3]. Event Details - The presentation will take place on November 18, 2025, at 9:30 AM PST / 12:30 PM EST in Rancho Palos Verdes, CA [1]. - A live webcast of the event will be available on Uniti's Investor Relations website, with a replay option for a limited time after the presentation [2].

Core Insights - Uniti has been recognized by the Military Friendly® program for its commitment to recruiting, employing, and retaining military veterans [1][2] - The company ranked second on the Military Friendly® Employer list and first on the Military Spouse Friendly list for companies with annual revenue between $1 billion and $5 billion [2] - Over 2,900 organizations compete annually for the Military Friendly® designation, which evaluates institutions based on public data and proprietary survey responses [3] Methodology and Evaluation - The Military Friendly® Employers designation is determined by VIQTORY with input from the Military Friendly® Advisory Council, focusing on recruitment, retention, turnover, and advancement of veterans [4] - Final ratings combine an organization's survey score with its ability to meet specific thresholds in various categories [4] Company Overview - Uniti is a premier insurgent fiber provider in the U.S., offering fast and reliable communications services to over a million consumers and businesses [6] - The company operates under several brands, including Uniti Wholesale, Kinetic, Uniti Fiber, and Uniti Solutions [6] - Uniti will be featured in the 2026 Military Friendly® Employers Guide in the Winter issue of G.I. Jobs® magazine and on MilitaryFriendly.com [5]

Core Insights - Uniti Group Inc. announced participation in the Deutsche Bank 33rd Annual Leveraged Finance Conference on October 14, 2025, with CFO Paul Bullington and Kinetic President John Harrobin attending [1] Company Overview - Uniti is a premier insurgent fiber provider focused on enabling mission-critical connectivity across the United States, serving over a million consumers and businesses [2] - The company operates under various brands, including Uniti Wholesale, Kinetic, Uniti Fiber, and Uniti Solutions [2]

Core Points - Uniti Group Inc. will report its third quarter 2025 financial results on November 4, 2025, before the market opens [1] - A conference call to discuss the earnings will take place on the same day at 8:30 AM Eastern Time [1] - The conference call will be available via live webcast on Uniti's Investor Relations website [2] Company Overview - Uniti is a leading fiber provider in the United States, focused on delivering mission-critical connectivity [3] - The company serves over a million consumers and businesses, offering a range of fast and reliable communication services [3] - Uniti operates under several brands, including Uniti Wholesale, Kinetic, Uniti Fiber, and Uniti Solutions [3]

Core Viewpoint - Uniti Group Inc. announced the pricing of a $1.4 billion offering of 7.50% Senior Secured Notes due 2033, which was upsized by $500 million from the initial offering size of $900 million [2] Group 1: Offering Details - The Notes will be issued at an issue price of 100.00% and will be guaranteed on a senior unsecured basis by Uniti Group Inc. and Uniti Group LLC, as well as on a senior secured basis by the Issuer's subsidiaries [2] - The offering is expected to close on October 6, 2025 [2] Group 2: Use of Proceeds - The net proceeds from the Offering and the borrowings under the 2025 Term Loan will be used to fund the redemption of outstanding 10.50% senior secured notes due 2028, along with related premiums, fees, and expenses [4] - Any remaining proceeds will be allocated for general corporate purposes [4] Group 3: Redemption Conditions - The redemption of the 2028 secured notes is conditioned upon the Issuer receiving at least $2.4 billion in gross proceeds from the offering of the Notes and the 2025 Term Loan [5] - The redemption is scheduled for October 6, 2025, at a price determined by the indenture governing the 2028 secured notes plus any accrued and unpaid interest [5]

Core Viewpoint - Uniti Group Inc. announced the pricing of a $1.4 billion offering of 7.50% Senior Secured Notes due 2033, which was upsized by $500 million from the initial offering size of $900 million [2] Group 1: Offering Details - The Notes will be issued at an issue price of 100.00% and will be guaranteed on a senior unsecured basis by Uniti Group Inc. and Uniti Group LLC [2] - The offering is expected to close on October 6, 2025 [2] - The Issuer is also pursuing $1.0 billion in incremental term loan borrowings under the legacy Windstream credit agreement [3] Group 2: Use of Proceeds - The net proceeds from the Offering and the borrowings under the 2025 Term Loan will be used to fund the redemption of outstanding 10.50% senior secured notes due 2028 [4] - Any remaining proceeds will be allocated for general corporate purposes [4] Group 3: Redemption Conditions - The redemption of the 2028 secured notes is conditioned upon the Issuer receiving at least $2.4 billion in gross proceeds from the offering of the Notes and the 2025 Term Loan [5] - The redemption will occur on October 6, 2025, at a price determined by the indenture governing the 2028 secured notes plus any accrued interest [5]

Group 1 - Uniti Group Inc. announced that its President and CEO, Kenny Gunderman, will present at the RBC Capital Markets 2025 Global Communications Infrastructure Conference on September 16, 2025 [1] - The presentation is scheduled for 2:10 PM CDT / 3:10 PM EDT in Chicago, IL [1] - A live webcast of the event will be available on Uniti's Investor Relations website and can be replayed for a limited time after the presentation [2] Group 2 - Uniti is a premier insurgent fiber provider focused on enabling mission-critical connectivity across the United States [3] - The company builds, operates, and delivers fast and reliable communications services, serving over a million consumers and businesses [3] - Uniti's services are offered through various brands, including Uniti Wholesale, Kinetic, Uniti Fiber, and Uniti Solutions [3]

Group 1 - Uniti Group Inc. announced participation in the Goldman Sachs 2025 Communacopia + Technology Conference on September 10, 2025 [1] - The company's Executive Vice President of Strategic Finance and Senior Vice President of Investor Relations will represent Uniti at the conference [1] - Investor materials will be available on Uniti's Investor Relations website under the Events & Presentations tab [2] Group 2 - Uniti is a premier insurgent fiber provider focused on enabling mission-critical connectivity across the United States [3] - The company serves over a million consumers and businesses, offering a broad portfolio of services through various brands [3] - Uniti's brands include Uniti Wholesale, Kinetic, Uniti Fiber, and Uniti Solutions [3]