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

ACIW •

TechnologyInfrastructure SoftwarePayments 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 Margin 48.99% -2.7%
EBITDA Margin 24.25% -9.8%
Operating Margin 18.75% -3.0%
Net Margin 12.88% +1.1%
ROE 15.4% +4.2%
ROIC 11.44% +8.9%
Debt/Equity 0.55 -17.6%
Interest Coverage -

Technical Analysis

Key Insights

Based on financial 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

✗Trading more than 30% below 52-week high

Price & Volume

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Growth Metrics

Revenue CAGR

10Y5.34%

5Y6.34%

3Y7.37%

TTM10.38%

Profit (Net Income) CAGR

10Y10.25%

5Y25.55%

3Y16.82%

TTM11.59%

EPS CAGR

10Y11.61%

5Y28.35%

3Y20.32%

TTM13.17%

ROCE

10Y Avg9.12%

5Y Avg10.57%

3Y Avg11.9%

Latest13.68%

Peer Comparison

Payments and fintech infrastructure

Name	Market Cap	Current Price	P/E Ratio	Revenue Growth 1Y	Net Margin	ROE	FCF Yield	Debt/Equity
KLARKlarna Group plc	5.12B	13.56	2023.88	21.17%	-9.29%	-10.65%	10.6%	0.35
AFRMAffirm Holdings, Inc.	15.27B	46.98	313.20	38.8%	9.66%	7.96%	3.94%	2.56
RELYRemitly Global, Inc.	3.5B	16.70	53.87	29.37%	1.36%	2.63%	8.46%	0.22
TOSTToast, Inc.	14.28B	27.31	48.77	24.05%	5.56%	16.1%	4.26%	0.02
DLODLocal Limited	2.03B	12.24	31.38	14.7%	17.8%	33.87%		0.11
XYZBlock, Inc.	38.35B	63.70	30.33	0.3%	5.39%	5.88%	6.32%	0.33
CSGSCSG Systems International, Inc.	2.31B	79.90	26.37	2.39%	7.17%	30.93%	4.91%	2.03
CPAYCorpay, Inc.	22.81B	325.10	23.27	5.77%	24.37%	25.52%	7.74%	2.54

Profit & Loss

	Dec 2016	Dec 2017	Dec 2018	Dec 2019	Dec 2020	Dec 2021	Dec 2022	Dec 2023	Dec 2024	Dec 2025
Sales/Revenue+	1.01B	1.02B	1.01B	1.26B	1.29B	1.37B	1.42B	1.45B	1.59B	1.76B
Revenue Growth %	-3.85%	1.84%	-1.41%	24.61%	2.86%	5.89%	3.74%	2.16%	9.76%	10.38%
Cost of Goods Sold+	444.91M	452.29M	430.35M	617.45M	622.46M	638.87M	696.07M	719.21M	791.78M	897.65M
COGS % of Revenue	44.24%	44.16%	42.62%	49.07%	48.09%	46.61%	48.95%	49.51%	49.66%	51.01%
Gross Profit+	560.79M	571.9M	579.43M	640.84M	671.86M	731.73M	725.83M	733.37M	802.5M	862.13M
Gross Margin %	55.76%	55.84%	57.38%	50.93%	51.91%	53.39%	51.05%	50.49%	50.34%	48.99%
Gross Profit Growth %	-2.25%	1.98%	1.32%	10.6%	4.84%	8.91%	-0.81%	1.04%	9.43%	7.43%
Operating Expenses+	339.66M	487.26M	453.52M	517.09M	527.12M	521.83M	522M	512.96M	494.37M	532.22M
OpEx % of Revenue	33.77%	47.58%	44.91%	41.09%	40.73%	38.07%	36.71%	35.31%	31.01%	30.24%
Selling, General & Admin	231.7M	260.92M	225.3M	258.98M	256.04M	250.34M	249.01M	249.83M	236.73M	267.78M
SG&A % of Revenue	23.04%	25.48%	22.31%	20.58%	19.78%	18.27%	17.51%	17.2%	14.85%	15.22%
Research & Development	169.9M	136.92M	143.63M	146.57M	139.29M	144.31M	146.31M	140.76M	146.68M	167.54M
R&D % of Revenue	16.89%	13.37%	14.22%	11.65%	10.76%	10.53%	10.29%	9.69%	9.2%	9.52%
Other Operating Expenses	-61.94M	89.43M	84.58M	111.53M	131.79M	127.18M	126.68M	122.37M	110.96M	96.9M
Operating Income+	221.13M	84.64M	125.91M	123.76M	144.74M	209.9M	203.84M	220.41M	308.13M	329.91M
Operating Margin %	21.99%	8.26%	12.47%	9.84%	11.18%	15.31%	14.34%	15.17%	19.33%	18.75%
Operating Income Growth %	72.83%	-61.72%	48.76%	-1.71%	16.96%	45.01%	-2.89%	8.13%	39.8%	7.07%
EBITDA+	324.58M	186.86M	223.26M	262.26M	308.51M	353.81M	342.2M	354.4M	428.8M	426.81M
EBITDA Margin %	32.27%	18.25%	22.11%	20.84%	23.84%	25.81%	24.07%	24.4%	26.9%	24.25%
EBITDA Growth %	44.02%	-42.43%	19.48%	17.47%	17.63%	14.68%	-3.28%	3.57%	20.99%	-0.46%
D&A (Non-Cash Add-back)	103.45M	102.22M	97.35M	138.5M	163.76M	143.91M	138.36M	133.99M	120.67M	96.9M
EBIT	225.76M	82.58M	133.33M	136.24M	155.26M	220.13M	259.83M	226.11M	322.88M	0
Net Interest Income+	-39.65M	-38.45M	-30.39M	-52.07M	-45M	-33.54M	-40.65M	-64.27M	-56.55M	0
Interest Income	530K	564K	11.14M	11.97M	11.63M	11.52M	12.55M	14.21M	15.93M	14.87M
Interest Expense	40.18M	39.01M	41.53M	64.03M	56.63M	45.06M	53.19M	78.49M	72.47M	-57.85M
Other Income/Expense	-35.55M	-41.07M	-34.11M	-51.55M	-46.12M	-34.83M	2.8M	-72.78M	-57.73M	-23.24M
Pretax Income+	185.58M	43.57M	91.8M	72.21M	98.63M	175.06M	206.63M	147.63M	250.41M	306.67M
Pretax Margin %	18.45%	4.25%	9.09%	5.74%	7.62%	12.77%	14.53%	10.16%	15.71%	17.43%
Income Tax+	56.05M	38.44M	22.88M	5.15M	25.97M	47.27M	64.46M	26.12M	47.29M	80.01M
Effective Tax Rate %	69.8%	11.79%	75.08%	92.87%	73.67%	73%	68.81%	82.31%	81.11%	73.91%
Net Income+	129.53M	5.13M	68.92M	67.06M	72.66M	127.79M	142.18M	121.51M	203.12M	226.66M
Net Margin %	12.88%	0.5%	6.83%	5.33%	5.61%	9.32%	10%	8.37%	12.74%	12.88%
Net Income Growth %	51.62%	-96.04%	1242.18%	-2.7%	8.35%	75.88%	11.26%	-14.54%	67.16%	11.59%
Net Income (Continuing)	129.53M	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	0
Minority Interest	0	0	0	0	0	0	0	0	0	0
EPS (Diluted)+	1.09	0.04	0.59	0.57	0.62	1.08	1.24	1.12	1.91	2.16
EPS Growth %	51.39%	-96.33%	1375%	-3.39%	8.77%	74.19%	14.81%	-9.68%	70.54%	13.09%
EPS (Basic)	1.10	0.04	0.59	0.58	0.62	1.09	1.25	1.12	1.93	2.18
Diluted Shares Outstanding	118.85M	119.44M	117.63M	118.57M	118.08M	118.65M	114.24M	108.86M	106.49M	104.81M
Basic Shares Outstanding	117.53M	118.06M	116.06M	116.17M	116.4M	117.41M	113.7M	108.5M	105.49M	103.96M
Dividend Payout Ratio	-	-	-	-	-	-	-	-	-	-

Balance Sheet

	Dec 2016	Dec 2017	Dec 2018	Dec 2019	Dec 2020	Dec 2021	Dec 2022	Dec 2023	Dec 2024	Dec 2025
Total Current Assets+	407.99M	421.82M	566.48M	920.38M	1.15B	937.43M	1.11B	1.41B	990.82M	1.09B
Cash & Short-Term Investments	75.75M	69.71M	148.5M	121.4M	165.37M	122.06M	124.98M	164.24M	216.39M	196.46M
Cash Only	75.75M	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	0
Accounts Receivable	287.1M	300.83M	348.18M	359.2M	342.88M	320.4M	403.78M	452.34M	414.4M	445.87M
Days Sales Outstanding	104.2	107.21	125.86	104.19	96.69	85.33	103.65	113.66	94.87	92.48
Inventory	25.88M	23.22M	23.28M	0	0	0	0	0	0	0
Days Inventory Outstanding	21.23	18.74	19.74	-	-	-	-	-	-	-
Other Current Assets	19.25M	28.06M	46.52M	415.24M	622.37M	470.27M	558.03M	758.59M	330.81M	446.79M
Total Non-Current Assets+	1.49B	1.44B	1.56B	2.34B	2.23B	2.22B	2.1B	2.04B	2.03B	2.02B
Property, Plant & Equipment	78.95M	80.23M	72.73M	127.76M	105.98M	110.88M	92.53M	72.19M	63.93M	66.1M
Fixed Asset Turnover	12.74x	12.77x	13.88x	9.85x	12.21x	12.36x	15.37x	20.12x	24.94x	26.62x
Goodwill	909.69M	909.69M	909.69M	1.28B	1.28B	1.28B	1.23B	1.23B	1.23B	1.23B
Intangible Assets	389.13M	346.67M	305.36M	591.49M	518.44M	440.79M	357.81M	304.06M	258.27M	147.06M
Long-Term Investments	0	0	189.01M	0	0	0	0	332.48M	0	0
Other Non-Current Assets	39.05M	36.48M	52.15M	285.77M	269.87M	338.64M	364.99M	44.83M	413.53M	498.38M
Total Assets+	1.9B	1.86B	2.12B	3.26B	3.39B	3.16B	3.21B	3.44B	3.03B	3.1B
Asset Turnover	0.53x	0.55x	0.48x	0.39x	0.38x	0.43x	0.44x	0.42x	0.53x	0.57x
Asset Growth %	-4.42%	-2.14%	14.01%	53.48%	3.97%	-6.74%	1.62%	7.32%	-12.18%	2.63%
Total Current Liabilities+	376.37M	321.78M	296.62M	611.95M	905.61M	754.15M	858.84M	1.04B	602.63M	705.64M
Accounts Payable	42.87M	34.72M	39.6M	37.01M	41.22M	41.31M	48M	45.96M	45.42M	64.93M
Days Payables Outstanding	35.17	28.02	33.59	21.88	24.17	23.6	25.17	23.33	20.94	26.4
Short-Term Debt	90.32M	17.79M	20.77M	34.15M	34.27M	45.87M	65.52M	74.41M	34.93M	40.94M
Deferred Revenue (Current)	105.19M	107.54M	104.84M	65.78M	95.85M	84.42M	58.3M	59.58M	75.42M	73.64M
Other Current Liabilities	88.08M	86.33M	111.68M	444.64M	708.13M	558.15M	663.01M	833.58M	428.78M	591.07M
Current Ratio	1.08x	1.31x	1.91x	1.50x	1.28x	1.24x	1.30x	1.36x	1.64x	1.54x
Quick Ratio	1.02x	1.24x	1.83x	1.50x	1.28x	1.24x	1.30x	1.36x	1.64x	1.54x
Cash Conversion Cycle	90.26	97.93	112.01	-	-	-	-	-	-	-
Total Non-Current Liabilities+	771.01M	775.26M	777.6M	1.52B	1.27B	1.16B	1.16B	1.08B	998.34M	880.19M
Long-Term Debt	653.6M	667.94M	650.99M	1.34B	1.12B	1.02B	1.02B	963.6M	889.65M	799.28M
Capital Lease Obligations	0	0	0	46.77M	39.96M	43.35M	33.91M	29.07M	22.59M	0
Deferred Tax Liabilities	26.35M	16.91M	31.71M	32.05M	40.5M	36.12M	40.37M	40.73M	39.92M	38.51M
Other Non-Current Liabilities	41.2M	38.44M	43.61M	44.63M	39.93M	34.54M	36M	25M	26.87M	42.4M
Total Liabilities	1.15B	1.1B	1.07B	2.13B	2.18B	1.91B	2.02B	2.12B	1.6B	1.59B
Total Debt+	743.92M	685.73M	671.76M	1.43B	1.21B	1.12B	1.14B	1.08B	956.43M	840.22M
Net Debt	668.16M	616.02M	523.25M	1.31B	1.04B	998.55M	1.01B	912.19M	740.04M	643.75M
Debt / Equity	0.99x	0.90x	0.64x	1.27x	1.00x	0.90x	0.95x	0.81x	0.67x	0.55x
Debt / EBITDA	2.29x	3.67x	3.01x	5.47x	3.92x	3.17x	3.32x	3.04x	2.23x	1.97x
Net Debt / EBITDA	2.06x	3.30x	2.34x	5.01x	3.38x	2.82x	2.95x	2.57x	1.73x	1.51x
Interest Coverage	5.50x	2.17x	3.03x	1.93x	2.56x	4.66x	3.83x	2.81x	4.25x	-
Total Equity+	754.92M	764.6M	1.05B	1.13B	1.21B	1.24B	1.19B	1.32B	1.42B	1.52B
Equity Growth %	15.36%	1.28%	37.1%	7.8%	6.78%	3.16%	-4.14%	10.99%	7.55%	6.65%
Book Value per Share	6.35	6.40	8.91	9.53	10.22	10.49	10.44	12.17	13.37	14.49
Total Shareholders' Equity	754.92M	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	702K
Retained Earnings	545.73M	550.87M	863.77M	930.83M	1B	1.13B	1.27B	1.39B	1.6B	1.82B
Treasury Stock	-297.76M	-319.96M	-355.86M	-377.64M	-387.58M	-475.97M	-665.77M	-674.9M	-784.91M	0
Accumulated OCI	-94.1M	-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	0

Cash Flow

	Dec 2016	Dec 2017	Dec 2018	Dec 2019	Dec 2020	Dec 2021	Dec 2022	Dec 2023	Dec 2024	Dec 2025
Cash from Operations+	99.83M	146.2M	183.93M	132.6M	336.3M	220.47M	143.38M	168.52M	358.75M	322.83M
Operating CF Margin %	9.93%	14.27%	18.22%	10.54%	25.98%	16.09%	10.08%	11.6%	22.5%	18.34%
Operating CF Growth %	-45.47%	46.45%	25.81%	-27.91%	153.61%	-34.44%	-34.97%	17.53%	112.89%	-10.01%
Net Income	129.53M	5.13M	68.92M	67.06M	72.66M	127.79M	142.18M	121.51M	203.12M	226.66M
Depreciation & Amortization	103.45M	102.22M	97.35M	138.5M	163.76M	143.91M	138.36M	133.99M	120.67M	22.53M
Stock-Based Compensation	43.61M	13.68M	20.36M	36.76M	29.6M	27.24M	29.75M	24.55M	41.28M	70.63M
Deferred Taxes	17.7M	21.66M	-5.73M	-22.14M	3.35M	3.73M	1.6M	-4.08M	-13.13M	943K
Other Non-Cash Items	-145.09M	4.72M	6.64M	9.3M	10.82M	5.54M	-30.86M	6.24M	4.83M	2.06M
Working Capital Changes	-49.38M	-1.23M	-3.61M	-96.89M	56.11M	-87.74M	-137.65M	-113.69M	1.98M	0
Change in Receivables	-76.46M	-8.24M	-14.76M	-19.05M	8.79M	-43.83M	-132.19M	-63M	-23.58M	-46.16M
Change in Inventory	0	0	0	0	-8.79M	0	0	0	0	0
Change in Payables	-13.92M	-1.7M	5.77M	-7.7M	2.48M	1.41M	7.73M	-3.77M	-268K	11.32M
Cash from Investing+	129.63M	-54.41M	-45.36M	-830.48M	-30.7M	-45.37M	60.25M	-37.78M	-45.05M	7.22M
Capital Expenditures	-63.08M	-54.41M	-43.89M	-23.1M	-46.63M	-20.58M	-13.1M	-8.92M	-15.4M	-12.91M
CapEx % of Revenue	6.27%	5.31%	4.35%	1.84%	3.6%	1.5%	0.92%	0.61%	0.97%	0.73%
Acquisitions	232K	0	0	-757.27M	0	0	100.14M	0	0	-5.45M
Investments	-	-	-	-	-	-	-	-	-	-
Other Investing	192.48M	-28.7M	-1.47M	-50.11M	15.93M	-24.79M	-26.79M	-28.85M	-29.65M	5.48M
Cash from Financing+	-251.08M	-98.15M	-57.7M	668.35M	-261.57M	-256.88M	-171.06M	-111.55M	-288.2M	-336.65M
Debt Issued (Net)	-200.32M	-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	-1000K	0
Dividends Paid	0	0	0	0	0	0	0	0	0	0
Share Repurchases	-60.09M	-37.39M	-54.53M	-35.62M	-28.88M	-107.38M	-206.54M	-27.59M	-127.67M	-202.64M
Other Financing	6.35M	8.56M	17.09M	-2.7M	356K	-43.8M	24.45M	-13.83M	-37.39M	-336.65M
Net Change in Cash	-26.49M	-6.04M	78.79M	-31.02M	43.98M	-81.24M	30.53M	24.15M	26.2M	-6.02M
Free Cash Flow+	36.75M	91.78M	140.04M	84.59M	289.67M	175.1M	103.49M	130.74M	343.35M	309.92M
FCF Margin %	3.65%	8.96%	13.87%	6.72%	22.38%	12.78%	7.28%	9%	21.54%	17.61%
FCF Growth %	-72.61%	149.75%	52.58%	-39.59%	242.43%	-39.55%	-40.9%	26.33%	162.62%	-9.73%
FCF per Share	0.31	0.77	1.19	0.71	2.45	1.48	0.91	1.20	3.22	2.96
FCF Conversion (FCF/Net Income)	0.77x	28.47x	2.67x	1.98x	4.63x	1.73x	1.01x	1.39x	1.77x	1.42x
Interest Paid	35.05M	34.98M	35.3M	58.98M	51.99M	40.07M	48.53M	73.54M	70.2M	0
Taxes Paid	19.08M	37.82M	32.2M	27.73M	27.76M	46.17M	43.55M	65.44M	47.91M	0

Key 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%

US Stock Screener

...

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

ACIW •

TechnologyInfrastructure SoftwarePayments and fintech infrastructure

Revenue $1.76B +10.4%
EBITDA $427M -0.5%
Net Income $227M +11.6%
EPS (Diluted) 2.16 +13.1%
Gross Margin 48.99% -2.7%
EBITDA Margin 24.25% -9.8%
Operating Margin 18.75% -3.0%
Net Margin 12.88% +1.1%
ROE 15.4% +4.2%
ROIC 11.44% +8.9%
Debt/Equity 0.55 -17.6%
Interest Coverage -

Technical Analysis

Key Insights

Based on financial 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

✗Trading more than 30% below 52-week high

Price & Volume

Loading chart...

Growth Metrics

Revenue CAGR

10Y5.34%

5Y6.34%

3Y7.37%

TTM10.38%

Profit (Net Income) CAGR

10Y10.25%

5Y25.55%

3Y16.82%

TTM11.59%

EPS CAGR

10Y11.61%

5Y28.35%

3Y20.32%

TTM13.17%

ROCE

10Y Avg9.12%

5Y Avg10.57%

3Y Avg11.9%

Latest13.68%

Peer Comparison

Payments and fintech infrastructure

Name	Market Cap	Current Price	P/E Ratio	Revenue Growth 1Y	Net Margin	ROE	FCF Yield	Debt/Equity
KLARKlarna Group plc	5.12B	13.56	2023.88	21.17%	-9.29%	-10.65%	10.6%	0.35
AFRMAffirm Holdings, Inc.	15.27B	46.98	313.20	38.8%	9.66%	7.96%	3.94%	2.56
RELYRemitly Global, Inc.	3.5B	16.70	53.87	29.37%	1.36%	2.63%	8.46%	0.22
TOSTToast, Inc.	14.28B	27.31	48.77	24.05%	5.56%	16.1%	4.26%	0.02
DLODLocal Limited	2.03B	12.24	31.38	14.7%	17.8%	33.87%		0.11
XYZBlock, Inc.	38.35B	63.70	30.33	0.3%	5.39%	5.88%	6.32%	0.33
CSGSCSG Systems International, Inc.	2.31B	79.90	26.37	2.39%	7.17%	30.93%	4.91%	2.03
CPAYCorpay, Inc.	22.81B	325.10	23.27	5.77%	24.37%	25.52%	7.74%	2.54

Profit & Loss

	Dec 2016	Dec 2017	Dec 2018	Dec 2019	Dec 2020	Dec 2021	Dec 2022	Dec 2023	Dec 2024	Dec 2025
Sales/Revenue+	1.01B	1.02B	1.01B	1.26B	1.29B	1.37B	1.42B	1.45B	1.59B	1.76B
Revenue Growth %	-3.85%	1.84%	-1.41%	24.61%	2.86%	5.89%	3.74%	2.16%	9.76%	10.38%
Cost of Goods Sold+	444.91M	452.29M	430.35M	617.45M	622.46M	638.87M	696.07M	719.21M	791.78M	897.65M
COGS % of Revenue	44.24%	44.16%	42.62%	49.07%	48.09%	46.61%	48.95%	49.51%	49.66%	51.01%
Gross Profit+	560.79M	571.9M	579.43M	640.84M	671.86M	731.73M	725.83M	733.37M	802.5M	862.13M
Gross Margin %	55.76%	55.84%	57.38%	50.93%	51.91%	53.39%	51.05%	50.49%	50.34%	48.99%
Gross Profit Growth %	-2.25%	1.98%	1.32%	10.6%	4.84%	8.91%	-0.81%	1.04%	9.43%	7.43%
Operating Expenses+	339.66M	487.26M	453.52M	517.09M	527.12M	521.83M	522M	512.96M	494.37M	532.22M
OpEx % of Revenue	33.77%	47.58%	44.91%	41.09%	40.73%	38.07%	36.71%	35.31%	31.01%	30.24%
Selling, General & Admin	231.7M	260.92M	225.3M	258.98M	256.04M	250.34M	249.01M	249.83M	236.73M	267.78M
SG&A % of Revenue	23.04%	25.48%	22.31%	20.58%	19.78%	18.27%	17.51%	17.2%	14.85%	15.22%
Research & Development	169.9M	136.92M	143.63M	146.57M	139.29M	144.31M	146.31M	140.76M	146.68M	167.54M
R&D % of Revenue	16.89%	13.37%	14.22%	11.65%	10.76%	10.53%	10.29%	9.69%	9.2%	9.52%
Other Operating Expenses	-61.94M	89.43M	84.58M	111.53M	131.79M	127.18M	126.68M	122.37M	110.96M	96.9M
Operating Income+	221.13M	84.64M	125.91M	123.76M	144.74M	209.9M	203.84M	220.41M	308.13M	329.91M
Operating Margin %	21.99%	8.26%	12.47%	9.84%	11.18%	15.31%	14.34%	15.17%	19.33%	18.75%
Operating Income Growth %	72.83%	-61.72%	48.76%	-1.71%	16.96%	45.01%	-2.89%	8.13%	39.8%	7.07%
EBITDA+	324.58M	186.86M	223.26M	262.26M	308.51M	353.81M	342.2M	354.4M	428.8M	426.81M
EBITDA Margin %	32.27%	18.25%	22.11%	20.84%	23.84%	25.81%	24.07%	24.4%	26.9%	24.25%
EBITDA Growth %	44.02%	-42.43%	19.48%	17.47%	17.63%	14.68%	-3.28%	3.57%	20.99%	-0.46%
D&A (Non-Cash Add-back)	103.45M	102.22M	97.35M	138.5M	163.76M	143.91M	138.36M	133.99M	120.67M	96.9M
EBIT	225.76M	82.58M	133.33M	136.24M	155.26M	220.13M	259.83M	226.11M	322.88M	0
Net Interest Income+	-39.65M	-38.45M	-30.39M	-52.07M	-45M	-33.54M	-40.65M	-64.27M	-56.55M	0
Interest Income	530K	564K	11.14M	11.97M	11.63M	11.52M	12.55M	14.21M	15.93M	14.87M
Interest Expense	40.18M	39.01M	41.53M	64.03M	56.63M	45.06M	53.19M	78.49M	72.47M	-57.85M
Other Income/Expense	-35.55M	-41.07M	-34.11M	-51.55M	-46.12M	-34.83M	2.8M	-72.78M	-57.73M	-23.24M
Pretax Income+	185.58M	43.57M	91.8M	72.21M	98.63M	175.06M	206.63M	147.63M	250.41M	306.67M
Pretax Margin %	18.45%	4.25%	9.09%	5.74%	7.62%	12.77%	14.53%	10.16%	15.71%	17.43%
Income Tax+	56.05M	38.44M	22.88M	5.15M	25.97M	47.27M	64.46M	26.12M	47.29M	80.01M
Effective Tax Rate %	69.8%	11.79%	75.08%	92.87%	73.67%	73%	68.81%	82.31%	81.11%	73.91%
Net Income+	129.53M	5.13M	68.92M	67.06M	72.66M	127.79M	142.18M	121.51M	203.12M	226.66M
Net Margin %	12.88%	0.5%	6.83%	5.33%	5.61%	9.32%	10%	8.37%	12.74%	12.88%
Net Income Growth %	51.62%	-96.04%	1242.18%	-2.7%	8.35%	75.88%	11.26%	-14.54%	67.16%	11.59%
Net Income (Continuing)	129.53M	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	0
Minority Interest	0	0	0	0	0	0	0	0	0	0
EPS (Diluted)+	1.09	0.04	0.59	0.57	0.62	1.08	1.24	1.12	1.91	2.16
EPS Growth %	51.39%	-96.33%	1375%	-3.39%	8.77%	74.19%	14.81%	-9.68%	70.54%	13.09%
EPS (Basic)	1.10	0.04	0.59	0.58	0.62	1.09	1.25	1.12	1.93	2.18
Diluted Shares Outstanding	118.85M	119.44M	117.63M	118.57M	118.08M	118.65M	114.24M	108.86M	106.49M	104.81M
Basic Shares Outstanding	117.53M	118.06M	116.06M	116.17M	116.4M	117.41M	113.7M	108.5M	105.49M	103.96M
Dividend Payout Ratio	-	-	-	-	-	-	-	-	-	-

Balance Sheet

	Dec 2016	Dec 2017	Dec 2018	Dec 2019	Dec 2020	Dec 2021	Dec 2022	Dec 2023	Dec 2024	Dec 2025
Total Current Assets+	407.99M	421.82M	566.48M	920.38M	1.15B	937.43M	1.11B	1.41B	990.82M	1.09B
Cash & Short-Term Investments	75.75M	69.71M	148.5M	121.4M	165.37M	122.06M	124.98M	164.24M	216.39M	196.46M
Cash Only	75.75M	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	0
Accounts Receivable	287.1M	300.83M	348.18M	359.2M	342.88M	320.4M	403.78M	452.34M	414.4M	445.87M
Days Sales Outstanding	104.2	107.21	125.86	104.19	96.69	85.33	103.65	113.66	94.87	92.48
Inventory	25.88M	23.22M	23.28M	0	0	0	0	0	0	0
Days Inventory Outstanding	21.23	18.74	19.74	-	-	-	-	-	-	-
Other Current Assets	19.25M	28.06M	46.52M	415.24M	622.37M	470.27M	558.03M	758.59M	330.81M	446.79M
Total Non-Current Assets+	1.49B	1.44B	1.56B	2.34B	2.23B	2.22B	2.1B	2.04B	2.03B	2.02B
Property, Plant & Equipment	78.95M	80.23M	72.73M	127.76M	105.98M	110.88M	92.53M	72.19M	63.93M	66.1M
Fixed Asset Turnover	12.74x	12.77x	13.88x	9.85x	12.21x	12.36x	15.37x	20.12x	24.94x	26.62x
Goodwill	909.69M	909.69M	909.69M	1.28B	1.28B	1.28B	1.23B	1.23B	1.23B	1.23B
Intangible Assets	389.13M	346.67M	305.36M	591.49M	518.44M	440.79M	357.81M	304.06M	258.27M	147.06M
Long-Term Investments	0	0	189.01M	0	0	0	0	332.48M	0	0
Other Non-Current Assets	39.05M	36.48M	52.15M	285.77M	269.87M	338.64M	364.99M	44.83M	413.53M	498.38M
Total Assets+	1.9B	1.86B	2.12B	3.26B	3.39B	3.16B	3.21B	3.44B	3.03B	3.1B
Asset Turnover	0.53x	0.55x	0.48x	0.39x	0.38x	0.43x	0.44x	0.42x	0.53x	0.57x
Asset Growth %	-4.42%	-2.14%	14.01%	53.48%	3.97%	-6.74%	1.62%	7.32%	-12.18%	2.63%
Total Current Liabilities+	376.37M	321.78M	296.62M	611.95M	905.61M	754.15M	858.84M	1.04B	602.63M	705.64M
Accounts Payable	42.87M	34.72M	39.6M	37.01M	41.22M	41.31M	48M	45.96M	45.42M	64.93M
Days Payables Outstanding	35.17	28.02	33.59	21.88	24.17	23.6	25.17	23.33	20.94	26.4
Short-Term Debt	90.32M	17.79M	20.77M	34.15M	34.27M	45.87M	65.52M	74.41M	34.93M	40.94M
Deferred Revenue (Current)	105.19M	107.54M	104.84M	65.78M	95.85M	84.42M	58.3M	59.58M	75.42M	73.64M
Other Current Liabilities	88.08M	86.33M	111.68M	444.64M	708.13M	558.15M	663.01M	833.58M	428.78M	591.07M
Current Ratio	1.08x	1.31x	1.91x	1.50x	1.28x	1.24x	1.30x	1.36x	1.64x	1.54x
Quick Ratio	1.02x	1.24x	1.83x	1.50x	1.28x	1.24x	1.30x	1.36x	1.64x	1.54x
Cash Conversion Cycle	90.26	97.93	112.01	-	-	-	-	-	-	-
Total Non-Current Liabilities+	771.01M	775.26M	777.6M	1.52B	1.27B	1.16B	1.16B	1.08B	998.34M	880.19M
Long-Term Debt	653.6M	667.94M	650.99M	1.34B	1.12B	1.02B	1.02B	963.6M	889.65M	799.28M
Capital Lease Obligations	0	0	0	46.77M	39.96M	43.35M	33.91M	29.07M	22.59M	0
Deferred Tax Liabilities	26.35M	16.91M	31.71M	32.05M	40.5M	36.12M	40.37M	40.73M	39.92M	38.51M
Other Non-Current Liabilities	41.2M	38.44M	43.61M	44.63M	39.93M	34.54M	36M	25M	26.87M	42.4M
Total Liabilities	1.15B	1.1B	1.07B	2.13B	2.18B	1.91B	2.02B	2.12B	1.6B	1.59B
Total Debt+	743.92M	685.73M	671.76M	1.43B	1.21B	1.12B	1.14B	1.08B	956.43M	840.22M
Net Debt	668.16M	616.02M	523.25M	1.31B	1.04B	998.55M	1.01B	912.19M	740.04M	643.75M
Debt / Equity	0.99x	0.90x	0.64x	1.27x	1.00x	0.90x	0.95x	0.81x	0.67x	0.55x
Debt / EBITDA	2.29x	3.67x	3.01x	5.47x	3.92x	3.17x	3.32x	3.04x	2.23x	1.97x
Net Debt / EBITDA	2.06x	3.30x	2.34x	5.01x	3.38x	2.82x	2.95x	2.57x	1.73x	1.51x
Interest Coverage	5.50x	2.17x	3.03x	1.93x	2.56x	4.66x	3.83x	2.81x	4.25x	-
Total Equity+	754.92M	764.6M	1.05B	1.13B	1.21B	1.24B	1.19B	1.32B	1.42B	1.52B
Equity Growth %	15.36%	1.28%	37.1%	7.8%	6.78%	3.16%	-4.14%	10.99%	7.55%	6.65%
Book Value per Share	6.35	6.40	8.91	9.53	10.22	10.49	10.44	12.17	13.37	14.49
Total Shareholders' Equity	754.92M	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	702K
Retained Earnings	545.73M	550.87M	863.77M	930.83M	1B	1.13B	1.27B	1.39B	1.6B	1.82B
Treasury Stock	-297.76M	-319.96M	-355.86M	-377.64M	-387.58M	-475.97M	-665.77M	-674.9M	-784.91M	0
Accumulated OCI	-94.1M	-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	0

Cash Flow

	Dec 2016	Dec 2017	Dec 2018	Dec 2019	Dec 2020	Dec 2021	Dec 2022	Dec 2023	Dec 2024	Dec 2025
Cash from Operations+	99.83M	146.2M	183.93M	132.6M	336.3M	220.47M	143.38M	168.52M	358.75M	322.83M
Operating CF Margin %	9.93%	14.27%	18.22%	10.54%	25.98%	16.09%	10.08%	11.6%	22.5%	18.34%
Operating CF Growth %	-45.47%	46.45%	25.81%	-27.91%	153.61%	-34.44%	-34.97%	17.53%	112.89%	-10.01%
Net Income	129.53M	5.13M	68.92M	67.06M	72.66M	127.79M	142.18M	121.51M	203.12M	226.66M
Depreciation & Amortization	103.45M	102.22M	97.35M	138.5M	163.76M	143.91M	138.36M	133.99M	120.67M	22.53M
Stock-Based Compensation	43.61M	13.68M	20.36M	36.76M	29.6M	27.24M	29.75M	24.55M	41.28M	70.63M
Deferred Taxes	17.7M	21.66M	-5.73M	-22.14M	3.35M	3.73M	1.6M	-4.08M	-13.13M	943K
Other Non-Cash Items	-145.09M	4.72M	6.64M	9.3M	10.82M	5.54M	-30.86M	6.24M	4.83M	2.06M
Working Capital Changes	-49.38M	-1.23M	-3.61M	-96.89M	56.11M	-87.74M	-137.65M	-113.69M	1.98M	0
Change in Receivables	-76.46M	-8.24M	-14.76M	-19.05M	8.79M	-43.83M	-132.19M	-63M	-23.58M	-46.16M
Change in Inventory	0	0	0	0	-8.79M	0	0	0	0	0
Change in Payables	-13.92M	-1.7M	5.77M	-7.7M	2.48M	1.41M	7.73M	-3.77M	-268K	11.32M
Cash from Investing+	129.63M	-54.41M	-45.36M	-830.48M	-30.7M	-45.37M	60.25M	-37.78M	-45.05M	7.22M
Capital Expenditures	-63.08M	-54.41M	-43.89M	-23.1M	-46.63M	-20.58M	-13.1M	-8.92M	-15.4M	-12.91M
CapEx % of Revenue	6.27%	5.31%	4.35%	1.84%	3.6%	1.5%	0.92%	0.61%	0.97%	0.73%
Acquisitions	232K	0	0	-757.27M	0	0	100.14M	0	0	-5.45M
Investments	-	-	-	-	-	-	-	-	-	-
Other Investing	192.48M	-28.7M	-1.47M	-50.11M	15.93M	-24.79M	-26.79M	-28.85M	-29.65M	5.48M
Cash from Financing+	-251.08M	-98.15M	-57.7M	668.35M	-261.57M	-256.88M	-171.06M	-111.55M	-288.2M	-336.65M
Debt Issued (Net)	-200.32M	-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	-1000K	0
Dividends Paid	0	0	0	0	0	0	0	0	0	0
Share Repurchases	-60.09M	-37.39M	-54.53M	-35.62M	-28.88M	-107.38M	-206.54M	-27.59M	-127.67M	-202.64M
Other Financing	6.35M	8.56M	17.09M	-2.7M	356K	-43.8M	24.45M	-13.83M	-37.39M	-336.65M
Net Change in Cash	-26.49M	-6.04M	78.79M	-31.02M	43.98M	-81.24M	30.53M	24.15M	26.2M	-6.02M
Free Cash Flow+	36.75M	91.78M	140.04M	84.59M	289.67M	175.1M	103.49M	130.74M	343.35M	309.92M
FCF Margin %	3.65%	8.96%	13.87%	6.72%	22.38%	12.78%	7.28%	9%	21.54%	17.61%
FCF Growth %	-72.61%	149.75%	52.58%	-39.59%	242.43%	-39.55%	-40.9%	26.33%	162.62%	-9.73%
FCF per Share	0.31	0.77	1.19	0.71	2.45	1.48	0.91	1.20	3.22	2.96
FCF Conversion (FCF/Net Income)	0.77x	28.47x	2.67x	1.98x	4.63x	1.73x	1.01x	1.39x	1.77x	1.42x
Interest Paid	35.05M	34.98M	35.3M	58.98M	51.99M	40.07M	48.53M	73.54M	70.2M	0
Taxes Paid	19.08M	37.82M	32.2M	27.73M	27.76M	46.17M	43.55M	65.44M	47.91M	0

Key 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%

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

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

Key Insights

✓Strengths

✗Weaknesses

Price & Volume

Growth Metrics

Revenue CAGR

Profit (Net Income) CAGR

EPS CAGR

ROCE

Peer Comparison

Compare ACIW vs Peers

vs XYZ

vs CPAY

Compare Top 5

Profit & Loss

Balance Sheet

Cash Flow

Key Ratios

Deep Dive Analysis

Valuation Overview

Total Return Calculator

Dividend History

Earnings History

Price History

Revenue History

Financial Ratios