8-K Announcements
6Material company update
Feb 26, 2026·SEC
Material company update
Jan 14, 2026·SEC
Material company update
Nov 6, 2025·SEC
ACI Worldwide, Inc.(ACIW)Earnings, Financials & Key Ratios
ACIW•NASDAQ
$43.27
$4.46B mkt cap·20.0× P/E·Price updated May 6, 2026
AboutACI Worldwide, Inc., a software company, develops, markets, installs, and supports a range of software products and solutions for facilitating digital payments to banks, merchants, and billers worldwide. The company offers ACI Acquiring, a merchant management system to deliver digital innovation, improve fraud prevention, and reduce interchange fees; ACI Issuing, a digital payments issuing solution; and ACI Enterprise Payments Platform that provides payment processing and orchestration capabilities for digital payments. It also provides ACI Low Value Real-Time Payments, a platform for processing real-time payments; and ACI High Value Real-Time Payments, a payments engine that offers multi-bank, multi-currency, 24x7 payment processing, and SWIFT messaging. In addition, the company offers ACI Omni Commerce, a scalable, omni-channel payment processing platform; ACI Secure eCommerce solution; ACI Fraud Management, a real-time approach to fraud management; ACI Digital Business Banking, a cloud-based digital banking platform; and ACI Speedpay, an integrated suite of digital billing, payment, disbursement, and communication services. The company offers electronic bill presentment and payment services to consumer finance, insurance, healthcare, higher education, utility, government, and mortgage sectors; implementation services, including product installations and configurations, and custom software modifications; and business and technical consultancy, on-site support, product education, and testing services, as well as distributes or acts as a sales agent for software developed by third parties. It markets its products under the ACI Worldwide brand. The company was formerly known as Transaction Systems Architects, Inc. and changed its name to ACI Worldwide, Inc. in July 2007. The company was founded in 1975 and is based in Coral Gables, Florida.Show more
- Revenue$1.76B+10.4%
- EBITDA$427M-0.5%
- Net Income$227M+11.6%
- EPS (Diluted)2.16+13.1%
- Gross Margin48.99%-2.7%
- EBITDA Margin24.25%-9.8%
- Operating Margin18.75%-3.0%
- Net Margin12.88%+1.1%
- ROE15.4%+4.2%
- ROIC11.44%+8.9%
- Debt/Equity0.55-17.6%
ACIW Key Insights
ACI Worldwide, Inc. (ACIW) fundamental analysis — strengths, weaknesses & financial health based on data analysis
✓Strengths
- ✓Strong 5Y profit CAGR of 25.5%
- ✓Strong Piotroski F-Score: 7/9
- ✓FCF machine: 17.6% free cash flow margin
- ✓High quality earnings: Operating CF exceeds net income
- ✓Healthy 5Y average net margin of 10.7%
✗Weaknesses
No significant weaknesses identified
* These insights are generated automatically based on available financial data. Please conduct your own research before making investment decisions.
ACIW Price & Volume
ACI Worldwide, Inc. (ACIW) stock price & volume — 10-year historical chart
Loading chart...
ACIW Growth Metrics
ACI Worldwide, Inc. (ACIW) revenue, earnings & EPS growth — 3, 5 & 10-year CAGR
Revenue CAGR
10 Years5.34%
5 Years6.34%
3 Years7.37%
TTM10.38%
Profit CAGR
10 Years10.25%
5 Years25.55%
3 Years16.82%
TTM11.59%
EPS CAGR
10 Years11.61%
5 Years28.35%
3 Years20.32%
TTM13.17%
Return on Capital
10 Years9.12%
5 Years10.57%
3 Years11.9%
Last Year13.68%
ACIW Recent Earnings
ACI Worldwide, Inc. (ACIW) EPS & revenue vs analyst estimates — last 4 quarters
●Beat EPS 11/12 qtrs (92%)●Beat Revenue 9/12 qtrs (75%)
Q1 2026Latest
Feb 26, 2026EPS
$0.63
Est $0.80
-21.3%
Revenue
$482M
Est $465M
+3.6%
Q4 2025
Nov 6, 2025EPS
$1.09
Est $0.99
+10.1%
Revenue
$482M
Est $465M
+3.7%
Q3 2025
Aug 7, 2025EPS
$0.35
Est $0.27
+29.6%
Revenue
$401M
Est $461M
-13.0%
Q2 2025
May 8, 2025EPS
$0.51
Est $0.33
+54.5%
Revenue
$395M
Est $388M
+1.6%
| Quarter | Date | EPS (Act vs Est) | Revenue (Act vs Est) |
|---|---|---|---|
| Q1 2026Latest | Feb 26, 2026 | $0.63vs $0.80-21.3% | $482Mvs $465M+3.6% |
| Q4 2025 | Nov 6, 2025 | $1.09vs $0.99+10.1% | $482Mvs $465M+3.7% |
| Q3 2025 | Aug 7, 2025 | $0.35vs $0.27+29.6% | $401Mvs $461M-13.0% |
| Q2 2025 | May 8, 2025 | $0.51vs $0.33+54.5% | $395Mvs $388M+1.6% |
Based on last 12 quarters of dataView full earnings history →
ACIW Peer Comparison
ACI Worldwide, Inc. (ACIW) competitors in Payments and fintech infrastructure — business model, growth, and fundamentals comparison
| Company | Market Cap | Stock Price | P/E Ratio (TTM) | Revenue Growth 1Y | Net Margin | Return on Equity (ROE) | FCF Yield | Debt / Equity |
|---|---|---|---|---|---|---|---|---|
 JKHY | 10.34B | 142.88 | 22.90 | 7.21% | 20.59% | 23.75% | ||
 FISV | 30.01B | 56.11 | 8.85 | 3.6% | 15.17% | 12.43% | 1.13 | |
 FIS | 23.81B | 45.97 | 61.29 | 5.43% | 3.51% | 2.75% | 0.29 | |
 EVTC | 1.74B | 28.16 | 12.80 | 10.21% | 9.6% | 11.07% | 1.58 | |
 GPN | 16.48B | 69.62 | 11.94 | -23.75% | -7.99% | -2.97% | 0.92 | |
 RPAY | 303.9M | 3.45 | -1.15 | -1.21% | -82.73% | -46.64% | 0.91 | |
 IIIV | 486.07M | 22.00 | 39.29 | -7.29% | 7.33% | 3.22% | 0.01 | |
 V | 611.6B | 318.80 | 31.25 | 11.34% | 58.9% | 0.66 |
Compare ACIW vs Peers
ACI Worldwide, Inc. (ACIW) vs competitors — business, growth, and fundamentals comparison against the closest industry rivals.
ACIW Income Statement
ACI Worldwide, Inc. (ACIW) annual income statement — 10-year revenue, gross profit & net income history
10Y historyFree accessUpdated daily
| Line item | Dec'17 | Dec'18 | Dec'19 | Dec'20 | Dec'21 | Dec'22 | Dec'23 | Dec'24 | Dec'25 |
|---|---|---|---|---|---|---|---|---|---|
| Sales/Revenue | 1.02B | 1.01B | 1.26B | 1.29B | 1.37B | 1.42B | 1.45B | 1.59B | 1.76B |
| Revenue Growth % | 1.84% | -1.41% | 24.61% | 2.86% | 5.89% | 3.74% | 2.16% | 9.76% | 10.38% |
| Cost of Goods Sold | 452.29M | 430.35M | 617.45M | 622.46M | 638.87M | 696.07M | 719.21M | 791.78M | 897.65M |
| COGS % of Revenue | 44.16% | 42.62% | 49.07% | 48.09% | 46.61% | 48.95% | 49.51% | 49.66% | 51.01% |
| Gross Profit | 571.9M▲ 0% | 579.43M▲ 1.3% | 640.84M▲ 10.6% | 671.86M▲ 4.8% | 731.73M▲ 8.9% | 725.83M▼ 0.8% | 733.37M▲ 1.0% | 802.5M▲ 9.4% | 862.13M▲ 7.4% |
| Gross Margin % | 55.84% | 57.38% | 50.93% | 51.91% | 53.39% | 51.05% | 50.49% | 50.34% | 48.99% |
| Gross Profit Growth % | 1.98% | 1.32% | 10.6% | 4.84% | 8.91% | -0.81% | 1.04% | 9.43% | 7.43% |
| Operating Expenses | 487.26M | 453.52M | 517.09M | 527.12M | 521.83M | 522M | 512.96M | 494.37M | 532.22M |
| OpEx % of Revenue | 47.58% | 44.91% | 41.09% | 40.73% | 38.07% | 36.71% | 35.31% | 31.01% | 30.24% |
| Selling, General & Admin | 260.92M | 225.3M | 258.98M | 256.04M | 250.34M | 249.01M | 249.83M | 236.73M | 267.78M |
| SG&A % of Revenue | 25.48% | 22.31% | 20.58% | 19.78% | 18.27% | 17.51% | 17.2% | 14.85% | 15.22% |
| Research & Development | 136.92M | 143.63M | 146.57M | 139.29M | 144.31M | 146.31M | 140.76M | 146.68M | 167.54M |
| R&D % of Revenue | 13.37% | 14.22% | 11.65% | 10.76% | 10.53% | 10.29% | 9.69% | 9.2% | 9.52% |
| Other Operating Expenses | 89.43M | 84.58M | 111.53M | 131.79M | 127.18M | 126.68M | 122.37M | 110.96M | 96.9M |
| Operating Income | 84.64M▲ 0% | 125.91M▲ 48.8% | 123.76M▼ 1.7% | 144.74M▲ 17.0% | 209.9M▲ 45.0% | 203.84M▼ 2.9% | 220.41M▲ 8.1% | 308.13M▲ 39.8% | 329.91M▲ 7.1% |
| Operating Margin % | 8.26% | 12.47% | 9.84% | 11.18% | 15.31% | 14.34% | 15.17% | 19.33% | 18.75% |
| Operating Income Growth % | -61.72% | 48.76% | -1.71% | 16.96% | 45.01% | -2.89% | 8.13% | 39.8% | 7.07% |
| EBITDA | 186.86M | 223.26M | 262.26M | 308.51M | 353.81M | 342.2M | 354.4M | 428.8M | 426.81M |
| EBITDA Margin % | 18.25% | 22.11% | 20.84% | 23.84% | 25.81% | 24.07% | 24.4% | 26.9% | 24.25% |
| EBITDA Growth % | -42.43% | 19.48% | 17.47% | 17.63% | 14.68% | -3.28% | 3.57% | 20.99% | -0.46% |
| D&A (Non-Cash Add-back) | 102.22M | 97.35M | 138.5M | 163.76M | 143.91M | 138.36M | 133.99M | 120.67M | 96.9M |
| EBIT | 82.58M | 133.33M | 136.24M | 155.26M | 220.13M | 259.83M | 226.11M | 322.88M | 0 |
| Net Interest Income | -38.45M | -30.39M | -52.07M | -45M | -33.54M | -40.65M | -64.27M | -56.55M | 0 |
| Interest Income | 564K | 11.14M | 11.97M | 11.63M | 11.52M | 12.55M | 14.21M | 15.93M | 14.87M |
| Interest Expense | 39.01M | 41.53M | 64.03M | 56.63M | 45.06M | 53.19M | 78.49M | 72.47M | -57.85M |
| Other Income/Expense | -41.07M | -34.11M | -51.55M | -46.12M | -34.83M | 2.8M | -72.78M | -57.73M | -23.24M |
| Pretax Income | 43.57M▲ 0% | 91.8M▲ 110.7% | 72.21M▼ 21.3% | 98.63M▲ 36.6% | 175.06M▲ 77.5% | 206.63M▲ 18.0% | 147.63M▼ 28.6% | 250.41M▲ 69.6% | 306.67M▲ 22.5% |
| Pretax Margin % | 4.25% | 9.09% | 5.74% | 7.62% | 12.77% | 14.53% | 10.16% | 15.71% | 17.43% |
| Income Tax | 38.44M | 22.88M | 5.15M | 25.97M | 47.27M | 64.46M | 26.12M | 47.29M | 80.01M |
| Effective Tax Rate % | 88.21% | 24.92% | 7.13% | 26.33% | 27% | 31.19% | 17.69% | 18.89% | 26.09% |
| Net Income | 5.13M▲ 0% | 68.92M▲ 1242.2% | 67.06M▼ 2.7% | 72.66M▲ 8.3% | 127.79M▲ 75.9% | 142.18M▲ 11.3% | 121.51M▼ 14.5% | 203.12M▲ 67.2% | 226.66M▲ 11.6% |
| Net Margin % | 0.5% | 6.83% | 5.33% | 5.61% | 9.32% | 10% | 8.37% | 12.74% | 12.88% |
| Net Income Growth % | -96.04% | 1242.18% | -2.7% | 8.35% | 75.88% | 11.26% | -14.54% | 67.16% | 11.59% |
| Net Income (Continuing) | 5.13M | 68.92M | 67.06M | 72.66M | 127.79M | 142.18M | 121.51M | 203.12M | 226.66M |
| Discontinued Operations | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Minority Interest | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| EPS (Diluted) | 0.04▲ 0% | 0.59▲ 1375.0% | 0.57▼ 3.4% | 0.62▲ 8.8% | 1.08▲ 74.2% | 1.24▲ 14.8% | 1.12▼ 9.7% | 1.91▲ 70.5% | 2.16▲ 13.1% |
| EPS Growth % | -96.33% | 1375% | -3.39% | 8.77% | 74.19% | 14.81% | -9.68% | 70.54% | 13.09% |
| EPS (Basic) | 0.04 | 0.59 | 0.58 | 0.62 | 1.09 | 1.25 | 1.12 | 1.93 | 2.18 |
| Diluted Shares Outstanding | 119.44M | 117.63M | 118.57M | 118.08M | 118.65M | 114.24M | 108.86M | 106.49M | 104.81M |
| Basic Shares Outstanding | 118.06M | 116.06M | 116.17M | 116.4M | 117.41M | 113.7M | 108.5M | 105.49M | 103.96M |
| Dividend Payout Ratio | - | - | - | - | - | - | - | - | - |
ACIW Balance Sheet
ACI Worldwide, Inc. (ACIW) balance sheet — assets, liabilities & shareholders' equity
| Line item | Dec'17 | Dec'18 | Dec'19 | Dec'20 | Dec'21 | Dec'22 | Dec'23 | Dec'24 | Dec'25 |
|---|---|---|---|---|---|---|---|---|---|
| Total Current Assets | 421.82M | 566.48M | 920.38M | 1.15B | 937.43M | 1.11B | 1.41B | 990.82M | 1.09B |
| Cash & Short-Term Investments | 69.71M | 148.5M | 121.4M | 165.37M | 122.06M | 124.98M | 164.24M | 216.39M | 196.46M |
| Cash Only | 69.71M | 148.5M | 121.4M | 165.37M | 122.06M | 124.98M | 164.24M | 216.39M | 196.46M |
| Short-Term Investments | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Accounts Receivable | 300.83M | 348.18M | 359.2M | 342.88M | 320.4M | 403.78M | 452.34M | 414.4M | 445.87M |
| Days Sales Outstanding | 107.21 | 125.86 | 104.19 | 96.69 | 85.33 | 103.65 | 113.66 | 94.87 | 92.48 |
| Inventory | 23.22M | 23.28M | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Days Inventory Outstanding | 18.74 | 19.74 | - | - | - | - | - | - | - |
| Other Current Assets | 28.06M | 46.52M | 415.24M | 622.37M | 470.27M | 558.03M | 758.59M | 330.81M | 446.79M |
| Total Non-Current Assets | 1.44B | 1.56B | 2.34B | 2.23B | 2.22B | 2.1B | 2.04B | 2.03B | 2.02B |
| Property, Plant & Equipment | 80.23M | 72.73M | 127.76M | 105.98M | 110.88M | 92.53M | 72.19M | 63.93M | 66.1M |
| Fixed Asset Turnover | 12.77x | 13.88x | 9.85x | 12.21x | 12.36x | 15.37x | 20.12x | 24.94x | 26.62x |
| Goodwill | 909.69M | 909.69M | 1.28B | 1.28B | 1.28B | 1.23B | 1.23B | 1.23B | 1.23B |
| Intangible Assets | 346.67M | 305.36M | 591.49M | 518.44M | 440.79M | 357.81M | 304.06M | 258.27M | 147.06M |
| Long-Term Investments | 0 | 189.01M | 0 | 0 | 0 | 0 | 332.48M | 0 | 0 |
| Other Non-Current Assets | 36.48M | 52.15M | 285.77M | 269.87M | 338.64M | 364.99M | 44.83M | 413.53M | 498.38M |
| Total Assets | 1.86B▲ 0% | 2.12B▲ 14.0% | 3.26B▲ 53.5% | 3.39B▲ 4.0% | 3.16B▼ 6.7% | 3.21B▲ 1.6% | 3.44B▲ 7.3% | 3.03B▼ 12.2% | 3.1B▲ 2.6% |
| Asset Turnover | 0.55x | 0.48x | 0.39x | 0.38x | 0.43x | 0.44x | 0.42x | 0.53x | 0.57x |
| Asset Growth % | -2.14% | 14.01% | 53.48% | 3.97% | -6.74% | 1.62% | 7.32% | -12.18% | 2.63% |
| Total Current Liabilities | 321.78M | 296.62M | 611.95M | 905.61M | 754.15M | 858.84M | 1.04B | 602.63M | 705.64M |
| Accounts Payable | 34.72M | 39.6M | 37.01M | 41.22M | 41.31M | 48M | 45.96M | 45.42M | 64.93M |
| Days Payables Outstanding | 28.02 | 33.59 | 21.88 | 24.17 | 23.6 | 25.17 | 23.33 | 20.94 | 26.4 |
| Short-Term Debt | 17.79M | 20.77M | 34.15M | 34.27M | 45.87M | 65.52M | 74.41M | 34.93M | 40.94M |
| Deferred Revenue (Current) | 107.54M | 104.84M | 65.78M | 95.85M | 84.42M | 58.3M | 59.58M | 75.42M | 73.64M |
| Other Current Liabilities | 86.33M | 111.68M | 444.64M | 708.13M | 558.15M | 663.01M | 833.58M | 428.78M | 591.07M |
| Current Ratio | 1.31x | 1.91x | 1.50x | 1.28x | 1.24x | 1.30x | 1.36x | 1.64x | 1.54x |
| Quick Ratio | 1.24x | 1.83x | 1.50x | 1.28x | 1.24x | 1.30x | 1.36x | 1.64x | 1.54x |
| Cash Conversion Cycle | 97.93 | 112.01 | - | - | - | - | - | - | - |
| Total Non-Current Liabilities | 775.26M | 777.6M | 1.52B | 1.27B | 1.16B | 1.16B | 1.08B | 998.34M | 880.19M |
| Long-Term Debt | 667.94M | 650.99M | 1.34B | 1.12B | 1.02B | 1.02B | 963.6M | 889.65M | 799.28M |
| Capital Lease Obligations | 0 | 0 | 46.77M | 39.96M | 43.35M | 33.91M | 29.07M | 22.59M | 0 |
| Deferred Tax Liabilities | 16.91M | 31.71M | 32.05M | 40.5M | 36.12M | 40.37M | 40.73M | 39.92M | 38.51M |
| Other Non-Current Liabilities | 38.44M | 43.61M | 44.63M | 39.93M | 34.54M | 36M | 25M | 26.87M | 42.4M |
| Total Liabilities | 1.1B | 1.07B | 2.13B | 2.18B | 1.91B | 2.02B | 2.12B | 1.6B | 1.59B |
| Total Debt | 685.73M | 671.76M | 1.43B | 1.21B | 1.12B | 1.14B | 1.08B | 956.43M | 840.22M |
| Net Debt | 616.02M | 523.25M | 1.31B | 1.04B | 998.55M | 1.01B | 912.19M | 740.04M | 643.75M |
| Debt / Equity | 0.90x | 0.64x | 1.27x | 1.00x | 0.90x | 0.95x | 0.81x | 0.67x | 0.55x |
| Debt / EBITDA | 3.67x | 3.01x | 5.47x | 3.92x | 3.17x | 3.32x | 3.04x | 2.23x | 1.97x |
| Net Debt / EBITDA | 3.30x | 2.34x | 5.01x | 3.38x | 2.82x | 2.95x | 2.57x | 1.73x | 1.51x |
| Interest Coverage | 2.17x | 3.03x | 1.93x | 2.56x | 4.66x | 3.83x | 2.81x | 4.25x | - |
| Total Equity | 764.6M▲ 0% | 1.05B▲ 37.1% | 1.13B▲ 7.8% | 1.21B▲ 6.8% | 1.24B▲ 3.2% | 1.19B▼ 4.1% | 1.32B▲ 11.0% | 1.42B▲ 7.6% | 1.52B▲ 6.7% |
| Equity Growth % | 1.28% | 37.1% | 7.8% | 6.78% | 3.16% | -4.14% | 10.99% | 7.55% | 6.65% |
| Book Value per Share | 6.40 | 8.91 | 9.53 | 10.22 | 10.49 | 10.44 | 12.17 | 13.37 | 14.49 |
| Total Shareholders' Equity | 764.6M | 1.05B | 1.13B | 1.21B | 1.24B | 1.19B | 1.32B | 1.42B | 1.52B |
| Common Stock | 702K | 702K | 702K | 702K | 702K | 702K | 702K | 702K | 702K |
| Retained Earnings | 550.87M | 863.77M | 930.83M | 1B | 1.13B | 1.27B | 1.39B | 1.6B | 1.82B |
| Treasury Stock | -319.96M | -355.86M | -377.64M | -387.58M | -475.97M | -665.77M | -674.9M | -784.91M | 0 |
| Accumulated OCI | -77.36M | -92.62M | -91.58M | -92.44M | -99.55M | -117.66M | -109.47M | -121.47M | -103.14M |
| Minority Interest | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
ACIW Cash Flow Statement
ACI Worldwide, Inc. (ACIW) cash flow — operating, investing & free cash flow history
| Line item | Dec'17 | Dec'18 | Dec'19 | Dec'20 | Dec'21 | Dec'22 | Dec'23 | Dec'24 | Dec'25 |
|---|---|---|---|---|---|---|---|---|---|
| Cash from Operations | 146.2M | 183.93M | 132.6M | 336.3M | 220.47M | 143.38M | 168.52M | 358.75M | 322.83M |
| Operating CF Margin % | 14.27% | 18.22% | 10.54% | 25.98% | 16.09% | 10.08% | 11.6% | 22.5% | 18.34% |
| Operating CF Growth % | 46.45% | 25.81% | -27.91% | 153.61% | -34.44% | -34.97% | 17.53% | 112.89% | -10.01% |
| Net Income | 5.13M | 68.92M | 67.06M | 72.66M | 127.79M | 142.18M | 121.51M | 203.12M | 226.66M |
| Depreciation & Amortization | 102.22M | 97.35M | 138.5M | 163.76M | 143.91M | 138.36M | 133.99M | 120.67M | 22.53M |
| Stock-Based Compensation | 13.68M | 20.36M | 36.76M | 29.6M | 27.24M | 29.75M | 24.55M | 41.28M | 70.63M |
| Deferred Taxes | 21.66M | -5.73M | -22.14M | 3.35M | 3.73M | 1.6M | -4.08M | -13.13M | 943K |
| Other Non-Cash Items | 4.72M | 6.64M | 9.3M | 10.82M | 5.54M | -30.86M | 6.24M | 4.83M | 2.06M |
| Working Capital Changes | -1.23M | -3.61M | -96.89M | 56.11M | -87.74M | -137.65M | -113.69M | 1.98M | 0 |
| Change in Receivables | -8.24M | -14.76M | -19.05M | 8.79M | -43.83M | -132.19M | -63M | -23.58M | -46.16M |
| Change in Inventory | 0 | 0 | 0 | -8.79M | 0 | 0 | 0 | 0 | 0 |
| Change in Payables | -1.7M | 5.77M | -7.7M | 2.48M | 1.41M | 7.73M | -3.77M | -268K | 11.32M |
| Cash from Investing | -54.41M | -45.36M | -830.48M | -30.7M | -45.37M | 60.25M | -37.78M | -45.05M | 7.22M |
| Capital Expenditures | -54.41M | -43.89M | -23.1M | -46.63M | -20.58M | -13.1M | -8.92M | -15.4M | -12.91M |
| CapEx % of Revenue | 5.31% | 4.35% | 1.84% | 3.6% | 1.5% | 0.92% | 0.61% | 0.97% | 0.73% |
| Acquisitions | 0 | 0 | -757.27M | 0 | 0 | 100.14M | 0 | 0 | -5.45M |
| Investments | - | - | - | - | - | - | - | - | - |
| Other Investing | -28.7M | -1.47M | -50.11M | 15.93M | -24.79M | -26.79M | -28.85M | -29.65M | 5.48M |
| Cash from Financing | -98.15M | -57.7M | 668.35M | -261.57M | -256.88M | -171.06M | -111.55M | -288.2M | -336.65M |
| Debt Issued (Net) | -72.28M | -23.36M | 703.08M | -236.8M | -109.14M | 7.45M | -72.96M | -126.05M | 0 |
| Equity Issued (Net) | -1000K | -1000K | -1000K | -1000K | -1000K | -1000K | -1000K | -1000K | 0 |
| Dividends Paid | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Share Repurchases | -37.39M | -54.53M | -35.62M | -28.88M | -107.38M | -206.54M | -27.59M | -127.67M | -202.64M |
| Other Financing | 8.56M | 17.09M | -2.7M | 356K | -43.8M | 24.45M | -13.83M | -37.39M | -336.65M |
| Net Change in Cash | -6.04M▲ 0% | 78.79M▲ 1403.9% | -31.02M▼ 139.4% | 43.98M▲ 241.8% | -81.24M▼ 284.7% | 30.53M▲ 137.6% | 24.15M▼ 20.9% | 26.2M▲ 8.5% | -6.02M▼ 123.0% |
| Free Cash Flow | 91.78M▲ 0% | 140.04M▲ 52.6% | 84.59M▼ 39.6% | 289.67M▲ 242.4% | 175.1M▼ 39.5% | 103.49M▼ 40.9% | 130.74M▲ 26.3% | 343.35M▲ 162.6% | 309.92M▼ 9.7% |
| FCF Margin % | 8.96% | 13.87% | 6.72% | 22.38% | 12.78% | 7.28% | 9% | 21.54% | 17.61% |
| FCF Growth % | 149.75% | 52.58% | -39.59% | 242.43% | -39.55% | -40.9% | 26.33% | 162.62% | -9.73% |
| FCF per Share | 0.77 | 1.19 | 0.71 | 2.45 | 1.48 | 0.91 | 1.20 | 3.22 | 2.96 |
| FCF Conversion (FCF/Net Income) | 28.47x | 2.67x | 1.98x | 4.63x | 1.73x | 1.01x | 1.39x | 1.77x | 1.42x |
| Interest Paid | 34.98M | 35.3M | 58.98M | 51.99M | 40.07M | 48.53M | 73.54M | 70.2M | 0 |
| Taxes Paid | 37.82M | 32.2M | 27.73M | 27.76M | 46.17M | 43.55M | 65.44M | 47.91M | 0 |
ACIW Key Ratios
ACI Worldwide, Inc. (ACIW) financial ratios — P/E, ROE, debt and 30+ core market and balance-sheet ratios
| Metric | 2016 | 2017 | 2018 | 2019 | 2020 | 2021 | 2022 | 2023 | 2024 | 2025 |
|---|---|---|---|---|---|---|---|---|---|---|
| Return on Equity (ROE) | 18.38% | 0.68% | 7.6% | 6.16% | 6.22% | 10.43% | 11.66% | 9.65% | 14.78% | 15.4% |
| Return on Invested Capital (ROIC) | 11.38% | 4.53% | 6.4% | 4.62% | 4.63% | 7.01% | 6.88% | 7.45% | 10.5% | 11.44% |
| Gross Margin | 55.76% | 55.84% | 57.38% | 50.93% | 51.91% | 53.39% | 51.05% | 50.49% | 50.34% | 48.99% |
| Net Margin | 12.88% | 0.5% | 6.83% | 5.33% | 5.61% | 9.32% | 10% | 8.37% | 12.74% | 12.88% |
| Debt / Equity | 0.99x | 0.90x | 0.64x | 1.27x | 1.00x | 0.90x | 0.95x | 0.81x | 0.67x | 0.55x |
| Interest Coverage | 5.50x | 2.17x | 3.03x | 1.93x | 2.56x | 4.66x | 3.83x | 2.81x | 4.25x | - |
| FCF Conversion | 0.77x | 28.47x | 2.67x | 1.98x | 4.63x | 1.73x | 1.01x | 1.39x | 1.77x | 1.42x |
| Revenue Growth | -3.85% | 1.84% | -1.41% | 24.61% | 2.86% | 5.89% | 3.74% | 2.16% | 9.76% | 10.38% |
ACIW SEC Filings & Documents
ACI Worldwide, Inc. (ACIW) SEC filings — annual & quarterly reports (10-K, 10-Q)
ACIW Frequently Asked Questions
ACI Worldwide, Inc. (ACIW) stock FAQ — growth, dividends, profitability & financials explained
Growth & Financials
ACI Worldwide, Inc. (ACIW) reported $1.76B in revenue for fiscal year 2025. This represents a 1001% increase from $159.8M in 1996.
ACI Worldwide, Inc. (ACIW) grew revenue by 10.4% over the past year. This is steady growth.
Yes, ACI Worldwide, Inc. (ACIW) is profitable, generating $226.7M in net income for fiscal year 2025 (12.9% net margin).
Dividend & Returns
ACI Worldwide, Inc. (ACIW) has a return on equity (ROE) of 15.4%. This is reasonable for most industries.
ACI Worldwide, Inc. (ACIW) generated $297.8M in free cash flow for fiscal year 2025. Positive FCF indicates the company can fund dividends, buybacks, or reinvestment.
Explore More ACIW
ACI Worldwide, Inc. (ACIW) financial analysis — history, returns, DCA and operating performance tools
Total Return Calculator
Historical returns with dividends reinvested
DCA Calculator
Dollar cost averaging vs lump sum
Dividend History
Yield, growth, payout safety & DRIP
Earnings History
EPS trends, net income & profitability
Price History
Long-term charts & historical price data
Revenue History
Sales growth patterns & revenue breakdown
Financial Ratios
30 years of market, efficiency and balance-sheet ratios
Valuation
DCF intrinsic value, peer multiples & estimates