ACI Worldwide, Inc. (ACIW) 10-Year Financial Performance & Capital Metrics

ACIW • • Industrial / General

TechnologyInfrastructure SoftwarePayment Processing & Digital CommerceEnterprise Payment Processors

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 $1.59B +9.8%
EBITDA $429M +21.0%
Net Income $203M +67.2%
EPS (Diluted) 1.91 +70.5%
Gross Margin 50.34% -0.3%
EBITDA Margin 26.9% +10.2%
Operating Margin 19.33% +27.4%
Net Margin 12.74% +52.3%
ROE 14.78% +53.1%
ROIC 10.5% +41.0%
Debt/Equity 0.67 -17.4%
Interest Coverage 4.25 +51.4%

Technical Analysis

Key Insights

Based on financial data analysis

✓Strengths

✓Strong 5Y profit CAGR of 24.8%
✓Strong Piotroski F-Score: 7/9
✓FCF machine: 21.5% free cash flow margin
✓High quality earnings: Operating CF exceeds net income
✓Share count reduced 2.2% through buybacks

✗Weaknesses

No significant weaknesses identified

Price & Volume

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Growth Metrics

Revenue CAGR

10Y4.61%

5Y4.85%

3Y5.17%

TTM7.01%

Profit (Net Income) CAGR

10Y11.64%

5Y24.81%

3Y16.7%

TTM14.83%

EPS CAGR

10Y12.66%

5Y27.36%

3Y20.93%

TTM17.6%

ROCE

10Y Avg8.59%

5Y Avg8.97%

3Y Avg10.2%

Latest12.76%

Peer Comparison

Enterprise Payment Processors

Name	Market Cap	Current Price	P/E Ratio	Revenue Growth 1Y	Net Margin	ROE	FCF Yield	Debt/Equity
TOSTToast, Inc.	17.39B	33.76	1048.45	28.33%	4.66%	13.56%	1.76%	0.02
DLODLocal Limited	2.42B	14.59	37.41	14.7%	17.8%	33.87%		0.11
IIIVi3 Verticals, Inc.	615.36M	25.67	36.67	-7.29%	55.87%	25.96%	0.93%	0.01
ACIWACI Worldwide, Inc.	4.48B	43.49	22.77	9.76%	15.07%	17.64%	7.66%	0.67
FOURShift4 Payments, Inc.	4.45B	65.91	21.75	29.86%	5.02%	8.73%	6.97%	2.83
WEXWEX Inc.	5.51B	160.57	21.41	3.15%	10.81%	25.38%	6.07%	2.99
EVTCEVERTEC, Inc.	1.93B	30.12	17.41	21.7%	16.17%	20.63%	8.91%	1.86
XYZBlock, Inc.	35.55B	64.92	14.27	10.06%	13.08%	13.95%	4.37%	0.37

Profit & Loss

	Dec 2015	Dec 2016	Dec 2017	Dec 2018	Dec 2019	Dec 2020	Dec 2021	Dec 2022	Dec 2023	Dec 2024
Sales/Revenue+	1.05B	1.01B	1.02B	1.01B	1.26B	1.29B	1.37B	1.42B	1.45B	1.59B
Revenue Growth %	0.03%	-0.04%	0.02%	-0.01%	0.25%	0.03%	0.06%	0.04%	0.02%	0.1%
Cost of Goods Sold+	472.3M	444.91M	452.29M	430.35M	617.45M	622.46M	638.87M	696.07M	719.21M	791.78M
COGS % of Revenue	0.45%	0.44%	0.44%	0.43%	0.49%	0.48%	0.47%	0.49%	0.5%	0.5%
Gross Profit+	573.68M	560.79M	571.9M	579.43M	640.84M	671.86M	731.73M	725.83M	733.37M	802.5M
Gross Margin %	0.55%	0.56%	0.56%	0.57%	0.51%	0.52%	0.53%	0.51%	0.5%	0.5%
Gross Profit Growth %	0.02%	-0.02%	0.02%	0.01%	0.11%	0.05%	0.09%	-0.01%	0.01%	0.09%
Operating Expenses+	445.73M	339.66M	487.26M	453.52M	517.09M	527.12M	521.83M	522M	512.96M	494.37M
OpEx % of Revenue	0.43%	0.34%	0.48%	0.45%	0.41%	0.41%	0.38%	0.37%	0.35%	0.31%
Selling, General & Admin	216.83M	231.7M	260.92M	225.3M	258.98M	256.04M	250.34M	249.01M	249.83M	236.73M
SG&A % of Revenue	0.21%	0.23%	0.25%	0.22%	0.21%	0.2%	0.18%	0.18%	0.17%	0.15%
Research & Development	145.92M	169.9M	136.92M	143.63M	146.57M	139.29M	144.31M	146.31M	140.76M	146.68M
R&D % of Revenue	0.14%	0.17%	0.13%	0.14%	0.12%	0.11%	0.11%	0.1%	0.1%	0.09%
Other Operating Expenses	82.98M	-61.94M	89.43M	84.58M	111.53M	131.79M	127.18M	126.68M	122.37M	110.96M
Operating Income+	127.95M	221.13M	84.64M	125.91M	123.76M	144.74M	209.9M	203.84M	220.41M	308.13M
Operating Margin %	0.12%	0.22%	0.08%	0.12%	0.1%	0.11%	0.15%	0.14%	0.15%	0.19%
Operating Income Growth %	-0.07%	0.73%	-0.62%	0.49%	-0.02%	0.17%	0.45%	-0.03%	0.08%	0.4%
EBITDA+	225.38M	324.58M	186.86M	223.26M	262.26M	308.51M	353.81M	342.2M	354.4M	428.8M
EBITDA Margin %	0.22%	0.32%	0.18%	0.22%	0.21%	0.24%	0.26%	0.24%	0.24%	0.27%
EBITDA Growth %	0%	0.44%	-0.42%	0.19%	0.17%	0.18%	0.15%	-0.03%	0.04%	0.21%
D&A (Non-Cash Add-back)	97.43M	103.45M	102.22M	97.35M	138.5M	163.76M	143.91M	138.36M	133.99M	120.67M
EBIT	154.75M	225.76M	82.58M	133.33M	136.24M	155.26M	220.13M	259.83M	226.11M	322.88M
Net Interest Income+	-40.99M	-39.65M	-38.45M	-30.39M	-52.07M	-45M	-33.54M	-40.65M	-64.27M	-56.55M
Interest Income	386K	530K	564K	11.14M	11.97M	11.63M	11.52M	12.55M	14.21M	15.93M
Interest Expense	41.37M	40.18M	39.01M	41.53M	64.03M	56.63M	45.06M	53.19M	78.49M	72.47M
Other Income/Expense	-14.57M	-35.55M	-41.07M	-34.11M	-51.55M	-46.12M	-34.83M	2.8M	-72.78M	-57.73M
Pretax Income+	113.37M	185.58M	43.57M	91.8M	72.21M	98.63M	175.06M	206.63M	147.63M	250.41M
Pretax Margin %	0.11%	0.18%	0.04%	0.09%	0.06%	0.08%	0.13%	0.15%	0.1%	0.16%
Income Tax+	27.94M	56.05M	38.44M	22.88M	5.15M	25.97M	47.27M	64.46M	26.12M	47.29M
Effective Tax Rate %	0.75%	0.7%	0.12%	0.75%	0.93%	0.74%	0.73%	0.69%	0.82%	0.81%
Net Income+	85.44M	129.53M	5.13M	68.92M	67.06M	72.66M	127.79M	142.18M	121.51M	203.12M
Net Margin %	0.08%	0.13%	0.01%	0.07%	0.05%	0.06%	0.09%	0.1%	0.08%	0.13%
Net Income Growth %	0.26%	0.52%	-0.96%	12.42%	-0.03%	0.08%	0.76%	0.11%	-0.15%	0.67%
Net Income (Continuing)	85.44M	129.53M	5.13M	68.92M	67.06M	72.66M	127.79M	142.18M	121.51M	203.12M
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)+	0.72	1.09	0.04	0.59	0.57	0.62	1.08	1.24	1.12	1.91
EPS Growth %	0.24%	0.51%	-0.96%	13.75%	-0.03%	0.09%	0.74%	0.15%	-0.1%	0.71%
EPS (Basic)	0.73	1.10	0.04	0.59	0.58	0.62	1.09	1.25	1.12	1.93
Diluted Shares Outstanding	118.92M	118.85M	119.44M	117.63M	118.57M	118.08M	118.65M	114.24M	108.86M	106.49M
Basic Shares Outstanding	117.47M	117.53M	118.06M	116.06M	116.17M	116.4M	117.41M	113.7M	108.5M	105.49M
Dividend Payout Ratio	-	-	-	-	-	-	-	-	-	-

Balance Sheet

	Dec 2015	Dec 2016	Dec 2017	Dec 2018	Dec 2019	Dec 2020	Dec 2021	Dec 2022	Dec 2023	Dec 2024
Total Current Assets+	388.08M	407.99M	421.82M	566.48M	920.38M	1.15B	937.43M	1.11B	1.41B	990.82M
Cash & Short-Term Investments	102.24M	75.75M	69.71M	148.5M	121.4M	165.37M	122.06M	124.98M	164.24M	216.39M
Cash Only	102.24M	75.75M	69.71M	148.5M	121.4M	165.37M	122.06M	124.98M	164.24M	216.39M
Short-Term Investments	0	0	0	0	0	0	0	0	0	0
Accounts Receivable	239.13M	287.1M	300.83M	348.18M	359.2M	342.88M	320.4M	403.78M	452.34M	414.4M
Days Sales Outstanding	83.44	104.2	107.21	125.86	104.19	96.69	85.33	103.65	113.66	94.87
Inventory	27.46M	25.88M	23.22M	23.28M	0	0	0	0	0	0
Days Inventory Outstanding	21.22	21.23	18.74	19.74	-	-	-	-	-	-
Other Current Assets	13.68M	19.25M	28.06M	46.52M	415.24M	622.37M	470.27M	558.03M	758.59M	330.81M
Total Non-Current Assets+	1.6B	1.49B	1.44B	1.56B	2.34B	2.23B	2.22B	2.1B	2.04B	2.03B
Property, Plant & Equipment	60.63M	78.95M	80.23M	72.73M	127.76M	105.98M	110.88M	92.53M	72.19M	63.93M
Fixed Asset Turnover	17.25x	12.74x	12.77x	13.88x	9.85x	12.21x	12.36x	15.37x	20.12x	24.94x
Goodwill	913.26M	909.69M	909.69M	909.69M	1.28B	1.28B	1.28B	1.23B	1.23B	1.23B
Intangible Assets	494.87M	389.13M	346.67M	305.36M	591.49M	518.44M	440.79M	357.81M	304.06M	258.27M
Long-Term Investments	0	0	0	189.01M	0	0	0	0	332.48M	0
Other Non-Current Assets	42.5M	39.05M	36.48M	52.15M	285.77M	269.87M	338.64M	364.99M	44.83M	413.53M
Total Assets+	1.99B	1.9B	1.86B	2.12B	3.26B	3.39B	3.16B	3.21B	3.44B	3.03B
Asset Turnover	0.53x	0.53x	0.55x	0.48x	0.39x	0.38x	0.43x	0.44x	0.42x	0.53x
Asset Growth %	0.08%	-0.04%	-0.02%	0.14%	0.53%	0.04%	-0.07%	0.02%	0.07%	-0.12%
Total Current Liabilities+	390.44M	376.37M	321.78M	296.62M	611.95M	905.61M	754.15M	858.84M	1.04B	602.63M
Accounts Payable	55.42M	42.87M	34.72M	39.6M	37.01M	41.22M	41.31M	48M	45.96M	45.42M
Days Payables Outstanding	42.83	35.17	28.02	33.59	21.88	24.17	23.6	25.17	23.33	20.94
Short-Term Debt	105.43M	90.32M	17.79M	20.77M	34.15M	34.27M	45.87M	65.52M	74.41M	34.93M
Deferred Revenue (Current)	1000K	1000K	1000K	1000K	1000K	1000K	1000K	1000K	1000K	1000K
Other Current Liabilities	49.36M	88.08M	86.33M	111.68M	444.64M	708.13M	558.15M	663.01M	833.58M	428.78M
Current Ratio	0.99x	1.08x	1.31x	1.91x	1.50x	1.28x	1.24x	1.30x	1.36x	1.64x
Quick Ratio	0.92x	1.02x	1.24x	1.83x	1.50x	1.28x	1.24x	1.30x	1.36x	1.64x
Cash Conversion Cycle	61.84	90.26	97.93	112.01	-	-	-	-	-	-
Total Non-Current Liabilities+	945.37M	771.01M	775.26M	777.6M	1.52B	1.27B	1.16B	1.16B	1.08B	998.34M
Long-Term Debt	843.29M	653.6M	667.94M	650.99M	1.34B	1.12B	1.02B	1.02B	963.6M	889.65M
Capital Lease Obligations	0	0	0	0	46.77M	39.96M	43.35M	33.91M	29.07M	22.59M
Deferred Tax Liabilities	28.07M	26.35M	16.91M	31.71M	32.05M	40.5M	36.12M	40.37M	40.73M	39.92M
Other Non-Current Liabilities	31.93M	41.2M	38.44M	43.61M	44.63M	39.93M	34.54M	36M	25M	26.87M
Total Liabilities	1.34B	1.15B	1.1B	1.07B	2.13B	2.18B	1.91B	2.02B	2.12B	1.6B
Total Debt+	938.58M	743.92M	685.73M	671.76M	1.43B	1.21B	1.12B	1.14B	1.08B	956.43M
Net Debt	836.34M	668.16M	616.02M	523.25M	1.31B	1.04B	998.55M	1.01B	912.19M	740.04M
Debt / Equity	1.43x	0.99x	0.90x	0.64x	1.27x	1.00x	0.90x	0.95x	0.81x	0.67x
Debt / EBITDA	4.16x	2.29x	3.67x	3.01x	5.47x	3.92x	3.17x	3.32x	3.04x	2.23x
Net Debt / EBITDA	3.71x	2.06x	3.30x	2.34x	5.01x	3.38x	2.82x	2.95x	2.57x	1.73x
Interest Coverage	3.09x	5.50x	2.17x	3.03x	1.93x	2.56x	4.66x	3.83x	2.81x	4.25x
Total Equity+	654.4M	754.92M	764.6M	1.05B	1.13B	1.21B	1.24B	1.19B	1.32B	1.42B
Equity Growth %	0.13%	0.15%	0.01%	0.37%	0.08%	0.07%	0.03%	-0.04%	0.11%	0.08%
Book Value per Share	5.50	6.35	6.40	8.91	9.53	10.22	10.49	10.44	12.17	13.37
Total Shareholders' Equity	654.4M	754.92M	764.6M	1.05B	1.13B	1.21B	1.24B	1.19B	1.32B	1.42B
Common Stock	702K	702K	702K	702K	702K	702K	702K	702K	702K	702K
Retained Earnings	416.85M	545.73M	550.87M	863.77M	930.83M	1B	1.13B	1.27B	1.39B	1.6B
Treasury Stock	-252.96M	-297.76M	-319.96M	-355.86M	-377.64M	-387.58M	-475.97M	-665.77M	-674.9M	-784.91M
Accumulated OCI	-71.58M	-94.1M	-77.36M	-92.62M	-91.58M	-92.44M	-99.55M	-117.66M	-109.47M	-121.47M
Minority Interest	0	0	0	0	0	0	0	0	0	0

Cash Flow

	Dec 2015	Dec 2016	Dec 2017	Dec 2018	Dec 2019	Dec 2020	Dec 2021	Dec 2022	Dec 2023	Dec 2024
Cash from Operations+	183.07M	99.83M	146.2M	183.93M	132.6M	336.3M	220.47M	143.38M	168.52M	358.75M
Operating CF Margin %	0.18%	0.1%	0.14%	0.18%	0.11%	0.26%	0.16%	0.1%	0.12%	0.23%
Operating CF Growth %	0.23%	-0.45%	0.46%	0.26%	-0.28%	1.54%	-0.34%	-0.35%	0.18%	1.13%
Net Income	85.44M	129.53M	5.13M	68.92M	67.06M	72.66M	127.79M	142.18M	121.51M	203.12M
Depreciation & Amortization	97.43M	103.45M	102.22M	97.35M	138.5M	163.76M	143.91M	138.36M	133.99M	120.67M
Stock-Based Compensation	18.38M	43.61M	13.68M	20.36M	36.76M	29.6M	27.24M	29.75M	24.55M	41.28M
Deferred Taxes	19.33M	17.7M	21.66M	-5.73M	-22.14M	3.35M	3.73M	1.6M	-4.08M	-13.13M
Other Non-Cash Items	-20.42M	-145.09M	4.72M	6.64M	9.3M	10.82M	5.54M	-30.86M	6.24M	4.83M
Working Capital Changes	-17.09M	-49.38M	-1.23M	-3.61M	-96.89M	56.11M	-87.74M	-137.65M	-113.69M	1.98M
Change in Receivables	-11.36M	-76.46M	-8.24M	-14.76M	-19.05M	8.79M	-43.83M	-132.19M	-63M	-23.58M
Change in Inventory	0	0	0	0	0	-8.79M	0	0	0	0
Change in Payables	8.56M	-13.92M	-1.7M	5.77M	-7.7M	2.48M	1.41M	7.73M	-3.77M	-268K
Cash from Investing+	-199.96M	129.63M	-54.41M	-45.36M	-830.48M	-30.7M	-45.37M	60.25M	-37.78M	-45.05M
Capital Expenditures	-48.91M	-63.08M	-54.41M	-43.89M	-23.1M	-46.63M	-20.58M	-13.1M	-8.92M	-15.4M
CapEx % of Revenue	0.05%	0.06%	0.05%	0.04%	0.02%	0.04%	0.02%	0.01%	0.01%	0.01%
Acquisitions	-	-	-	-	-	-	-	-	-	-
Investments	-	-	-	-	-	-	-	-	-	-
Other Investing	14.62M	192.48M	-28.7M	-1.47M	-50.11M	15.93M	-24.79M	-26.79M	-28.85M	-29.65M
Cash from Financing+	49.56M	-251.08M	-98.15M	-57.7M	668.35M	-261.57M	-256.88M	-171.06M	-111.55M	-288.2M
Debt Issued (Net)	-	-	-	-	-	-	-	-	-	-
Equity Issued (Net)	-	-	-	-	-	-	-	-	-	-
Dividends Paid	0	0	0	0	0	0	0	0	0	0
Share Repurchases	-	-	-	-	-	-	-	-	-	-
Other Financing	7.53M	6.35M	8.56M	17.09M	-2.7M	356K	-43.8M	24.45M	-13.83M	-37.39M
Net Change in Cash	-	-	-	-	-	-	-	-	-	-
Free Cash Flow+	134.17M	36.75M	91.78M	140.04M	84.59M	289.67M	175.1M	103.49M	130.74M	343.35M
FCF Margin %	0.13%	0.04%	0.09%	0.14%	0.07%	0.22%	0.13%	0.07%	0.09%	0.22%
FCF Growth %	0.18%	-0.73%	1.5%	0.53%	-0.4%	2.42%	-0.4%	-0.41%	0.26%	1.63%
FCF per Share	1.13	0.31	0.77	1.19	0.71	2.45	1.48	0.91	1.20	3.22
FCF Conversion (FCF/Net Income)	2.14x	0.77x	28.47x	2.67x	1.98x	4.63x	1.73x	1.01x	1.39x	1.77x
Interest Paid	35.18M	35.05M	34.98M	35.3M	58.98M	51.99M	40.07M	48.53M	73.54M	70.2M
Taxes Paid	24.04M	19.08M	37.82M	32.2M	27.73M	27.76M	46.17M	43.55M	65.44M	47.91M

Key Ratios

Metric	2015	2016	2017	2018	2019	2020	2021	2022	2023	2024
Return on Equity (ROE)	13.83%	18.38%	0.68%	7.6%	6.16%	6.22%	10.43%	11.66%	9.65%	14.78%
Return on Invested Capital (ROIC)	6.65%	11.38%	4.53%	6.4%	4.62%	4.63%	7.01%	6.88%	7.45%	10.5%
Gross Margin	54.85%	55.76%	55.84%	57.38%	50.93%	51.91%	53.39%	51.05%	50.49%	50.34%
Net Margin	8.17%	12.88%	0.5%	6.83%	5.33%	5.61%	9.32%	10%	8.37%	12.74%
Debt / Equity	1.43x	0.99x	0.90x	0.64x	1.27x	1.00x	0.90x	0.95x	0.81x	0.67x
Interest Coverage	3.09x	5.50x	2.17x	3.03x	1.93x	2.56x	4.66x	3.83x	2.81x	4.25x
FCF Conversion	2.14x	0.77x	28.47x	2.67x	1.98x	4.63x	1.73x	1.01x	1.39x	1.77x
Revenue Growth	2.94%	-3.85%	1.84%	-1.41%	24.61%	2.86%	5.89%	3.74%	2.16%	9.76%

Revenue by Segment

	2015	2016	2017	2018	2019	2020	2021	2022	2023	2024
Bill Payments	-	-	271.42M	-	-	-	592.49M	629.41M	685.91M	726.52M
Bill Payments Growth	-	-	-	-	-	-	-	6.23%	8.98%	5.92%
Issuing And Acquiring	-	-	-	-	-	380.72M	443.1M	450.88M	420.8M	522.71M
Issuing And Acquiring Growth	-	-	-	-	-	-	16.39%	1.76%	-6.67%	24.22%
License	-	-	-	-	-	-	-	348.13M	321.22M	412.31M
License Growth	-	-	-	-	-	-	-	-	-7.73%	28.35%
Maintenance	-	-	-	-	-	-	-	200.04M	205.07M	190.76M
Maintenance Growth	-	-	-	-	-	-	-	-	2.51%	-6.98%
Merchant Payments	-	-	76.95M	-	102.9M	108.73M	152.99M	153.91M	150.62M	165.91M
Merchant Payments Growth	-	-	-	-	-	5.67%	40.71%	0.60%	-2.14%	10.15%
Real-Time Payments	-	-	-	-	-	-	77.92M	104.78M	128.96M	126.74M
Real-Time Payments Growth	-	-	-	-	-	-	-	34.46%	23.08%	-1.72%
Fraud Management	-	-	-	-	-	-	43.7M	47.42M	63.5M	52.41M
Fraud Management Growth	-	-	-	-	-	-	-	8.50%	33.91%	-17.47%
Digital Business Banking	-	-	-	-	-	-	60.4M	35.5M	2.79M	-
Digital Business Banking Growth	-	-	-	-	-	-	-	-41.22%	-92.14%	-
Biller Payments	-	-	-	-	510.3M	586.05M	-	-	-	-
Biller Payments Growth	-	-	-	-	-	14.84%	-	-	-	-
Real Time Payments	-	-	72.87M	-	100.61M	81.06M	-	-	-	-
Real Time Payments Growth	-	-	-	-	-	-19.43%	-	-	-	-
Digital Channels	-	-	94.04M	-	77.71M	75.71M	-	-	-	-
Digital Channels Growth	-	-	-	-	-	-2.58%	-	-	-	-
Payment Intelligence	-	-	-	-	69.81M	62.06M	-	-	-	-
Payment Intelligence Growth	-	-	-	-	-	-11.09%	-	-	-	-
Retail Payments	-	-	428.58M	-	396.97M	-	-	-	-	-
Retail Payments Growth	-	-	-	-	-	-	-	-	-	-
Technology Service	-	-	-	77.05M	-	-	-	-	-	-
Technology Service Growth	-	-	-	-	-	-	-	-	-	-
Payments Risk Management	-	-	80.33M	-	-	-	-	-	-	-
Payments Risk Management Growth	-	-	-	-	-	-	-	-	-	-
Retail Payments Processing	402.45M	415.73M	-	-	-	-	-	-	-	-
Retail Payments Processing Growth	-	3.30%	-	-	-	-	-	-	-	-
Billers	241.95M	255.54M	-	-	-	-	-	-	-	-
Billers Growth	-	5.62%	-	-	-	-	-	-	-	-
Online Banking And Community Financial Services	219.7M	125.58M	-	-	-	-	-	-	-	-
Online Banking And Community Financial Services Growth	-	-42.84%	-	-	-	-	-	-	-	-
Card And Merchant Management	70.17M	77.76M	-	-	-	-	-	-	-	-
Card And Merchant Management Growth	-	10.81%	-	-	-	-	-	-	-	-
Tools and Infrastructure	42.78M	63.92M	-	-	-	-	-	-	-	-
Tools and Infrastructure Growth	-	49.41%	-	-	-	-	-	-	-	-
Wholesale Banking Payments	41.55M	37.04M	-	-	-	-	-	-	-	-
Wholesale Banking Payments Growth	-	-10.84%	-	-	-	-	-	-	-	-
Payment Fraud Management	27.37M	30.13M	-	-	-	-	-	-	-	-
Payment Fraud Management Growth	-	10.07%	-	-	-	-	-	-	-	-

Revenue by Geography

	2015	2016	2017	2018	2019	2020	2021	2022	2023	2024
UNITED STATES	628.01M	527.43M	541.24M	-	781.82M	830.51M	869.08M	851.71M	887.17M	931.05M
UNITED STATES Growth	-	-16.02%	2.62%	-	-	6.23%	4.64%	-2.00%	4.16%	4.95%
Non-US	-	116.72M	482.96M	-	-	-	501.52M	570.19M	565.41M	663.24M
Non-US Growth	-	-	313.78%	-	-	-	-	13.69%	-0.84%	17.30%
EMEA	250.57M	-	-	-	301.66M	293.23M	-	-	-	-
EMEA Growth	-	-	-	-	-	-2.80%	-	-	-	-
Asia Pacific	84.85M	-	-	-	97.44M	97.49M	-	-	-	-
Asia Pacific Growth	-	-	-	-	-	0.05%	-	-	-	-
Americas, Other	-	-	-	-	77.37M	73.09M	-	-	-	-
Americas, Other Growth	-	-	-	-	-	-5.53%	-	-	-	-
Other Americas	82.55M	-	-	-	-	-	-	-	-	-
Other Americas Growth	-	-	-	-	-	-	-	-	-	-

Frequently Asked Questions

Valuation & Price

ACI Worldwide, Inc. (ACIW) has a price-to-earnings (P/E) ratio of 22.8x. This is roughly in line with market averages.

Growth & Financials

ACI Worldwide, Inc. (ACIW) reported $1.73B in revenue for fiscal year 2024. This represents a 272% increase from $465.1M in 2011.

ACI Worldwide, Inc. (ACIW) grew revenue by 9.8% over the past year. This is steady growth.

Yes, ACI Worldwide, Inc. (ACIW) is profitable, generating $260.9M in net income for fiscal year 2024 (12.7% net margin).

Dividend & Returns

ACI Worldwide, Inc. (ACIW) has a return on equity (ROE) of 14.8%. This is reasonable for most industries.

ACI Worldwide, Inc. (ACIW) generated $300.7M in free cash flow for fiscal year 2024. Positive FCF indicates the company can fund dividends, buybacks, or reinvestment.

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