ACI Worldwide, Inc.(ACIW)Earnings, Financials & Key Ratios

ACIW•NASDAQ

$46.65

$4.73B mkt cap·21.6× P/E·Price updated May 7, 2026

SectorTechnology IndustryInfrastructure Software Sub-IndustryPayments and fintech infrastructure

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%
ROIC11.35%+8.1%
Debt/Equity0.57-14.5%
Interest Coverage6.30+41.4%

Technical→

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

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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%

TTM7.06%

Profit CAGR

10 Years10.25%

5 Years25.55%

3 Years16.82%

TTM-23.59%

EPS CAGR

10 Years11.61%

5 Years28.35%

3 Years20.32%

TTM-21.65%

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

Full history →

●Beat EPS 10/12 qtrs (83%)●Beat Revenue 9/12 qtrs (75%)

Q2 2026Latest

May 7, 2026

EPS

$0.37

Est $0.45

-17.8%

Revenue

$426M

Est $410M

+3.8%

Q1 2026

Feb 26, 2026

EPS

$0.63

Est $0.80

-21.3%

Revenue

$482M

Est $465M

+3.6%

Q4 2025

Nov 6, 2025

EPS

$1.09

Est $0.99

+10.1%

Revenue

$482M

Est $465M

+3.7%

Q3 2025

Aug 7, 2025

EPS

$0.35

Est $0.27

+29.6%

Revenue

$401M

Est $461M

-13.0%

Quarter	Date	EPS (Act vs Est)	Revenue (Act vs Est)
Q2 2026Latest	May 7, 2026	$0.37vs $0.45-17.8%	$426Mvs $410M+3.8%
Q1 2026	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%

Based on last 12 quarters of dataView full earnings history →

Company	Market Cap	Stock Price	P/E Ratio (TTM)	Revenue Growth 1Y	Net Margin	Return on Equity (ROE)	Debt / Equity
JKHYJack Henry & Associates, Inc.Direct Competitor	10.57B	146.03	23.40	7.21%	20.64%	24.03%
FISVFiserv, Inc.Direct Competitor	30.38B	56.81	8.96	3.6%	15.17%	12.43%	1.13
FISFidelity National Information Services, Inc.Direct Competitor	24.47B	47.25	63	5.43%	3.51%	2.75%	0.29
EVTCEVERTEC, Inc.Direct Competitor	1.44B	23.36	10.62	10.21%	13.95%	18.65%	1.58
GPNGlobal Payments Inc.Product Competitor	16.6B	70.13	12.03	-23.75%	-7.99%	-2.96%	0.92
RPAYRepay Holdings CorporationProduct Competitor	307.42M	3.49	-1.16	-1.21%	-82.73%	-46.64%	0.91
IIIVi3 Verticals, Inc.Product Competitor	506.18M	22.91	40.91	-7.29%	7.33%	3.22%	0.01
VVisa Inc.Supply Chain	616.45B	321.33	31.50	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.

Closest Rival

vs JKHY

Most directly comparable listed peer for ACIW.

Scale Benchmark

vs JPM

Larger-name benchmark to compare ACIW against a more recognizable public peer.

Peer Set

Compare Top 5

vs JKHY, FISV, FIS, EVTC

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	TTM
Sales/Revenue	1.02B	1.01B	1.26B	1.29B	1.37B	1.42B	1.45B	1.59B	1.76B	1.79B
Revenue Growth %	1.84%	-1.41%	24.61%	2.86%	5.89%	3.74%	2.16%	9.76%	10.38%	7.06%
Cost of Goods Sold	452.29M	430.35M	617.45M	622.46M	638.87M	696.07M	719.21M	791.78M	897.65M	912.73M
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%	878.23M▲ 0%
Gross Margin %	55.84%	57.38%	50.93%	51.91%	53.39%	51.05%	50.49%	50.34%	48.99%	49.04%
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	549.35M
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	278.45M
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	172.72M
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	4M
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%	328.89M▲ 0%
Operating Margin %	8.26%	12.47%	9.84%	11.18%	15.31%	14.34%	15.17%	19.33%	18.75%	18.36%
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	424.62M
EBITDA Margin %	18.25%	22.11%	20.84%	23.84%	25.81%	24.07%	24.4%	26.9%	24.25%	23.71%
EBITDA Growth %	-42.43%	19.48%	17.47%	17.63%	14.68%	-3.28%	3.57%	20.99%	-0.46%	-10.42%
D&A (Non-Cash Add-back)	102.22M	97.35M	138.5M	163.76M	143.91M	138.36M	133.99M	120.67M	96.9M	95.73M
EBIT	82.58M	133.33M	136.24M	155.26M	220.13M	259.83M	226.11M	322.88M	364.52M	278.2M
Net Interest Income	-38.45M	-30.39M	-52.07M	-45M	-33.54M	-40.65M	-64.27M	-56.55M	-42.97M	-32.35M
Interest Income	564K	11.14M	11.97M	11.63M	11.52M	12.55M	14.21M	15.93M	14.87M	14.42M
Interest Expense	39.01M	41.53M	64.03M	56.63M	45.06M	53.19M	78.49M	72.47M	57.85M	30.97M
Other Income/Expense	-41.07M	-34.11M	-51.55M	-46.12M	-34.83M	2.8M	-72.78M	-57.73M	-23.24M	-43.43M
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%	285.46M▲ 0%
Pretax Margin %	4.25%	9.09%	5.74%	7.62%	12.77%	14.53%	10.16%	15.71%	17.43%	15.94%
Income Tax	38.44M	22.88M	5.15M	25.97M	47.27M	64.46M	26.12M	47.29M	80.01M	79.36M
Effective Tax Rate %	88.21%	24.92%	7.13%	26.33%	27%	31.19%	17.69%	18.89%	26.09%	27.8%
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%	206.09M▲ 0%
Net Margin %	0.5%	6.83%	5.33%	5.61%	9.32%	10%	8.37%	12.74%	12.88%	11.51%
Net Income Growth %	-96.04%	1242.18%	-2.7%	8.35%	75.88%	11.26%	-14.54%	67.16%	11.59%	-23.59%
Net Income (Continuing)	5.13M	68.92M	67.06M	72.66M	127.79M	142.18M	121.51M	203.12M	226.66M	206.09M
Discontinued Operations	0	0	0	0	0	0	0	0	0	0
Minority Interest	0	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%	2.00▲ 0%
EPS Growth %	-96.33%	1375%	-3.39%	8.77%	74.19%	14.81%	-9.68%	70.54%	13.09%	-21.65%
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	102.84M
Basic Shares Outstanding	118.06M	116.06M	116.17M	116.4M	117.41M	113.7M	108.5M	105.49M	103.96M	101.92M
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	TTM
Total Current Assets	421.82M	566.48M	920.38M	1.15B	937.43M	1.11B	1.41B	990.82M	1.09B	1.13B
Cash & Short-Term Investments	69.71M	148.5M	121.4M	165.37M	122.06M	124.98M	164.24M	216.39M	196.46M	161.76M
Cash Only	69.71M	148.5M	121.4M	165.37M	122.06M	124.98M	164.24M	216.39M	196.46M	161.76M
Short-Term Investments	0	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	843.21M	456.83M
Days Sales Outstanding	107.21	125.86	104.19	96.69	85.33	103.65	113.66	94.87	174.89	132.74
Inventory	23.22M	23.28M	0	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	19.56M	514.42M
Total Non-Current Assets	1.44B	1.56B	2.34B	2.23B	2.22B	2.1B	2.04B	2.03B	2.02B	1.97B
Property, Plant & Equipment	80.23M	72.73M	127.76M	105.98M	110.88M	92.53M	72.19M	63.93M	66.1M	64.05M
Fixed Asset Turnover	12.77x	13.88x	9.85x	12.21x	12.36x	15.37x	20.12x	24.94x	26.62x	28.12x
Goodwill	909.69M	909.69M	1.28B	1.28B	1.28B	1.23B	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	224.59M	141.44M
Long-Term Investments	0	189.01M	0	0	0	0	332.48M	0	417.65M	780.71M
Other Non-Current Assets	36.48M	52.15M	285.77M	269.87M	338.64M	364.99M	44.83M	413.53M	3.21M	882.05M
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%	3.1B▲ 0%
Asset Turnover	0.55x	0.48x	0.39x	0.38x	0.43x	0.44x	0.42x	0.53x	0.57x	0.57x
Asset Growth %	-2.14%	14.01%	53.48%	3.97%	-6.74%	1.62%	7.32%	-12.18%	2.63%	-4.98%
Total Current Liabilities	321.78M	296.62M	611.95M	905.61M	754.15M	858.84M	1.04B	602.63M	705.64M	739.38M
Accounts Payable	34.72M	39.6M	37.01M	41.22M	41.31M	48M	45.96M	45.42M	64.93M	61.84M
Days Payables Outstanding	28.02	33.59	21.88	24.17	23.6	25.17	23.33	20.94	26.4	24.01
Short-Term Debt	17.79M	20.77M	34.15M	34.27M	45.87M	65.52M	74.41M	34.93M	49.8M	40.96M
Deferred Revenue (Current)	107.54M	104.84M	65.78M	95.85M	84.42M	58.3M	59.58M	75.42M	73.64M	289.76M
Other Current Liabilities	86.33M	111.68M	444.64M	708.13M	558.15M	663.01M	833.58M	428.78M	455.88M	557.24M
Current Ratio	1.31x	1.91x	1.50x	1.28x	1.24x	1.30x	1.36x	1.64x	1.54x	1.54x
Quick Ratio	1.24x	1.83x	1.50x	1.28x	1.24x	1.30x	1.36x	1.64x	1.54x	1.54x
Cash Conversion Cycle	97.93	112.01	-	-	-	-	-	-	-	108.73
Total Non-Current Liabilities	775.26M	777.6M	1.52B	1.27B	1.16B	1.16B	1.08B	998.34M	880.19M	864.61M
Long-Term Debt	667.94M	650.99M	1.34B	1.12B	1.02B	1.02B	963.6M	889.65M	799.28M	786.94M
Capital Lease Obligations	0	0	46.77M	39.96M	43.35M	33.91M	29.07M	22.59M	22.61M	69.37M
Deferred Tax Liabilities	16.91M	31.71M	32.05M	40.5M	36.12M	40.37M	40.73M	39.92M	38.51M	168.68M
Other Non-Current Liabilities	38.44M	43.61M	44.63M	39.93M	34.54M	36M	25M	26.87M	6.17M	105.18M
Total Liabilities	1.1B	1.07B	2.13B	2.18B	1.91B	2.02B	2.12B	1.6B	1.59B	1.6B
Total Debt	685.73M	671.76M	1.43B	1.21B	1.12B	1.14B	1.08B	956.43M	871.68M	827.89M
Net Debt	616.02M	523.25M	1.31B	1.04B	998.55M	1.01B	912.19M	740.04M	675.22M	666.14M
Debt / Equity	0.90x	0.64x	1.27x	1.00x	0.90x	0.95x	0.81x	0.67x	0.57x	0.57x
Debt / EBITDA	3.67x	3.01x	5.47x	3.92x	3.17x	3.32x	3.04x	2.23x	2.04x	1.95x
Net Debt / EBITDA	3.30x	2.34x	5.01x	3.38x	2.82x	2.95x	2.57x	1.73x	1.58x	1.58x
Interest Coverage	2.12x	3.21x	2.13x	2.74x	4.89x	4.88x	2.88x	4.46x	6.30x	8.98x
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%	1.5B▲ 0%
Equity Growth %	1.28%	37.1%	7.8%	6.78%	3.16%	-4.14%	10.99%	7.55%	6.65%	31.79%
Book Value per Share	6.40	8.91	9.53	10.22	10.49	10.44	12.17	13.37	14.49	14.59
Total Shareholders' Equity	764.6M	1.05B	1.13B	1.21B	1.24B	1.19B	1.32B	1.42B	1.52B	1.5B
Common Stock	702K	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	1.86B
Treasury Stock	-319.96M	-355.86M	-377.64M	-387.58M	-475.97M	-665.77M	-674.9M	-784.91M	-964.75M	0
Accumulated OCI	-77.36M	-92.62M	-91.58M	-92.44M	-99.55M	-117.66M	-109.47M	-121.47M	-206.28M	-108.15M
Minority Interest	0	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	TTM
Cash from Operations	146.2M	183.93M	132.6M	336.3M	220.47M	143.38M	168.52M	358.75M	322.83M	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%	-7.59%
Net Income	5.13M	68.92M	67.06M	72.66M	127.79M	142.18M	121.51M	203.12M	226.66M	206.09M
Depreciation & Amortization	102.22M	97.35M	138.5M	163.76M	143.91M	138.36M	133.99M	120.67M	22.53M	64.55M
Stock-Based Compensation	13.68M	20.36M	36.76M	29.6M	27.24M	29.75M	24.55M	41.28M	70.63M	75.96M
Deferred Taxes	21.66M	-5.73M	-22.14M	3.35M	3.73M	1.6M	-4.08M	-13.13M	943K	9.73M
Other Non-Cash Items	4.72M	6.64M	9.3M	10.82M	5.54M	-30.86M	6.24M	4.83M	62.41M	22.63M
Working Capital Changes	-1.23M	-3.61M	-96.89M	56.11M	-87.74M	-137.65M	-113.69M	1.98M	-60.35M	-70.11M
Change in Receivables	-8.24M	-14.76M	-19.05M	8.79M	-43.83M	-132.19M	-63M	-23.58M	-46.16M	-77.64M
Change in Inventory	0	0	0	-8.79M	0	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	4.78M
Cash from Investing	-54.41M	-45.36M	-830.48M	-30.7M	-45.37M	60.25M	-37.78M	-45.05M	7.22M	-44.38M
Capital Expenditures	-54.41M	-43.89M	-23.1M	-46.63M	-20.58M	-13.1M	-8.92M	-15.4M	-12.91M	-20.24M
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	-5.45M
Investments	-	-	-	-	-	-	-	-	-	-
Other Investing	-28.7M	-1.47M	-50.11M	15.93M	-24.79M	-26.79M	-28.85M	-29.65M	5.48M	-18.69M
Cash from Financing	-98.15M	-57.7M	668.35M	-261.57M	-256.88M	-171.06M	-111.55M	-288.2M	-336.65M	-385.48M
Debt Issued (Net)	-72.28M	-23.36M	703.08M	-236.8M	-109.14M	7.45M	-72.96M	-126.05M	-131.06M	-47.6M
Equity Issued (Net)	-34.43M	-51.43M	-32.03M	-25.12M	-103.94M	-202.96M	-24.77M	-124.75M	-191.32M	-178.52M
Dividends Paid	0	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	-253.51M
Other Financing	8.56M	17.09M	-2.7M	356K	-43.8M	24.45M	-13.83M	-37.39M	-14.26M	-159.35M
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%	-69.53M▲ 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%	289.73M▲ 0%
FCF Margin %	8.96%	13.87%	6.72%	22.38%	12.78%	7.28%	9%	21.54%	17.61%	16.18%
FCF Growth %	149.75%	52.58%	-39.59%	242.43%	-39.55%	-40.9%	26.33%	162.62%	-9.73%	-7.23%
FCF per Share	0.77	1.19	0.71	2.45	1.48	0.91	1.20	3.22	2.96	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	1.41x
Interest Paid	34.98M	35.3M	58.98M	51.99M	40.07M	48.53M	73.54M	70.2M	0	15.93M
Taxes Paid	37.82M	32.2M	27.73M	27.76M	46.17M	43.55M	65.44M	47.91M	0	20.47M

ACIW Key Ratios

ACI Worldwide, Inc. (ACIW) financial ratios — P/E, ROE, debt and 30+ core market and balance-sheet ratios

Metric	2017	2018	2019	2020	2021	2022	2023	2024	2025	TTM
Return on Equity (ROE)	0.68%	7.6%	6.16%	6.22%	10.43%	11.66%	9.65%	14.78%	15.4%	13.99%
Return on Invested Capital (ROIC)	4.53%	6.4%	4.62%	4.63%	7.01%	6.88%	7.45%	10.5%	11.35%	11.35%
Gross Margin	55.84%	57.38%	50.93%	51.91%	53.39%	51.05%	50.49%	50.34%	48.99%	49.04%
Net Margin	0.5%	6.83%	5.33%	5.61%	9.32%	10%	8.37%	12.74%	12.88%	11.51%
Debt / Equity	0.90x	0.64x	1.27x	1.00x	0.90x	0.95x	0.81x	0.67x	0.57x	0.57x
Interest Coverage	2.12x	3.21x	2.13x	2.74x	4.89x	4.88x	2.88x	4.46x	6.30x	8.98x
FCF Conversion	28.47x	2.67x	1.98x	4.63x	1.73x	1.01x	1.39x	1.77x	1.42x	1.41x
Revenue Growth	1.84%	-1.41%	24.61%	2.86%	5.89%	3.74%	2.16%	9.76%	10.38%	7.06%

ACIW SEC Filings & Documents

ACI Worldwide, Inc. (ACIW) SEC filings — annual & quarterly reports (10-K, 10-Q)

8-K Announcements

Material company update

May 7, 2026·SEC

Material company update

Feb 26, 2026·SEC

Material company update

Jan 14, 2026·SEC

10-K Annual Reports

FY 2026

Feb 26, 2026·SEC

FY 2025

Feb 27, 2025·SEC

FY 2024

Feb 29, 2024·SEC

10-Q Quarterly Reports

FY 2026

May 7, 2026·SEC

FY 2025

Nov 6, 2025·SEC

FY 2025

Aug 7, 2025·SEC

ACIW Frequently Asked Questions

ACI Worldwide, Inc. (ACIW) stock FAQ — growth, dividends, profitability & financials explained

Growth & Financials

ACI Worldwide, Inc. (ACIW) reported $1.79B in revenue for fiscal year 2025. This represents a 1021% 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 $206.1M 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 $289.7M in free cash flow for fiscal year 2025. Positive FCF indicates the company can fund dividends, buybacks, or reinvestment.

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ACI Worldwide, Inc.(ACIW)Earnings, Financials & Key Ratios

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