Business Description
ACI Worldwide, Inc. is a global software company that develops and licenses digital payment solutions for banks, merchants, and billers. Headquartered in Elkhorn, Nebraska, the company's software facilitates real-time electronic payments, card processing, and fraud prevention across various channels. ACI Worldwide serves thousands of financial institutions and intermediaries in over 90 countries, processing billions of transactions daily.
Financial Statements
In thousands, USD
| FY 2025 | FY 2024 | FY 2023 | FY 2022 | |
|---|---|---|---|---|
| Total Revenues | 1,759,782 | 1,594,288 | 1,452,579 | 1,421,901 |
| Cost of Sales | 897,651 | 791,783 | 719,211 | 696,071 |
| Gross Profit | 862,131 | 802,505 | 733,368 | 725,830 |
| Selling, General & Administrative Expenses | 267,780 | 236,731 | 249,829 | 249,006 |
| Depreciation & Amortization Expenses | 96,896 | 110,962 | 122,373 | 126,678 |
| Research & Development Expenses | 167,541 | 146,677 | 140,758 | 146,311 |
| Operating Profit | 329,914 | 308,135 | 220,408 | 203,835 |
| Interest and Investment Income | 14,874 | 15,926 | 14,215 | 12,547 |
| Interest Expense | (57,847) | (72,471) | (78,486) | (53,193) |
| Non-Operating Income | 19,729 | (1,181) | (8,510) | 43,446 |
| Total Non-Operating Income | (23,244) | (57,726) | (72,781) | 2,800 |
| Income Before Provision for Income Taxes | 306,670 | 250,409 | 147,627 | 206,635 |
| Provision for Income Taxes | 80,012 | 47,291 | 26,118 | 64,458 |
| Consolidated Net Income | 226,658 | 203,118 | 121,509 | 142,177 |
| Net Income Attributable to Common Shareholders | 226,658 | 203,118 | 121,509 | 142,177 |
| Basic EPS | 2.18 | 1.93 | 1.12 | 1.25 |
| Diluted EPS | 2.16 | 1.91 | 1.12 | 1.24 |
| Basic Weighted Average Shares Outstanding | 103,956 | 105,491 | 108,497 | 113,700 |
| Diluted Weighted Average Shares Outstanding | 104,805 | 106,493 | 108,857 | 114,238 |
| Shares Outstanding | 102,712 | 105,255 | 108,078 | 108,069 |
| FY 2025 | FY 2024 | FY 2023 | FY 2022 | |
|---|---|---|---|---|
| Cash and Cash Equivalents | 196,462 | 216,394 | 164,239 | 124,981 |
| Total Cash and Cash Equivalents | 196,462 | 216,394 | 164,239 | 124,981 |
| Accounts Receivable | 445,866 | 414,399 | 452,337 | 403,781 |
| Total Trade Receivables | 445,866 | 414,399 | 452,337 | 403,781 |
| Other Current Assets | 446,786 | 360,029 | 790,069 | 586,043 |
| Total Current Assets | 1,089,114 | 990,822 | 1,406,645 | 1,114,805 |
| Net Property, Plant & Equipment | 66,096 | 63,933 | 72,194 | 92,530 |
| Net Intangible Assets | 224,585 | 258,270 | 304,064 | 357,807 |
| Goodwill | 1,231,128 | 1,226,026 | 1,226,026 | 1,226,026 |
| Other Long-Term Assets | 493,984 | 486,242 | 435,810 | 418,727 |
| Total Assets | 3,104,907 | 3,025,293 | 3,444,739 | 3,209,895 |
| Accounts Payable | 64,931 | 45,422 | 45,964 | 47,997 |
| Accrued Expenses | 56,142 | 55,567 | 53,892 | 45,289 |
| Current Portion of Long-Term Debt | 40,941 | 34,928 | 74,405 | 65,521 |
| Unearned Revenue | 73,637 | 75,419 | 59,580 | 58,303 |
| Other Current Liabilities | 469,992 | 391,292 | 803,408 | 641,732 |
| Total Current Liabilities | 705,643 | 602,628 | 1,037,249 | 858,842 |
| Long-Term Debt | 776,667 | 889,649 | 963,599 | 1,024,351 |
| Leases | 22,609 | 22,592 | 29,074 | 33,910 |
| Other Long-Term Liabilities | 80,910 | 86,097 | 90,520 | 99,605 |
| Total Long-Term Liabilities | 880,186 | 998,338 | 1,083,193 | 1,157,866 |
| Total Liabilities | 1,585,829 | 1,600,966 | 2,120,442 | 2,016,708 |
| Common Stock | 702 | 702 | 702 | 702 |
| Treasury Stock | (964,752) | (784,914) | (674,896) | (665,771) |
| Additional Paid-in Capital | 761,523 | 731,927 | 1,394,967 | 702,458 |
| Accumulated Other Comprehensive Income | (103,138) | (121,473) | (109,470) | (117,660) |
| Retained Earnings | 1,824,743 | 1,598,085 | 712,994 | 1,273,458 |
| Total Common Shareholders' Equity | 1,519,078 | 1,424,327 | 1,324,297 | 1,193,187 |
| Total Shareholders' Equity | 1,519,078 | 1,424,327 | 1,324,297 | 1,193,187 |
| Total Liabilities and Shareholders' Equity | 3,104,907 | 3,025,293 | 3,444,739 | 3,209,895 |
| FY 2025 | FY 2024 | FY 2023 | FY 2022 | |
|---|---|---|---|---|
| Net Income | 226,658 | 203,118 | 121,509 | 142,177 |
| Depreciation & Amortization | 106,646 | 120,668 | 133,993 | 138,364 |
| Share-Based Compensation Expense | 70,633 | 41,281 | 24,547 | 29,753 |
| Other Adjustments | (20,760) | (8,298) | 2,159 | (29,260) |
| Changes in Trade Receivables | (46,160) | (23,583) | (62,998) | (132,194) |
| Changes in Accounts Payable | 11,318 | (268) | (3,775) | 7,730 |
| Changes in Accrued Expenses | (726) | 2,887 | 8,146 | (3,161) |
| Changes in Unearned Revenue | (10,345) | 11,886 | 2,705 | (2,977) |
| Changes in Other Operating Activities | (14,433) | 11,057 | (57,769) | (7,051) |
| Cash from Operating Activities | 322,831 | 358,748 | 168,517 | 143,381 |
| Capital Expenditure | (12,907) | (15,402) | (8,924) | (13,103) |
| Purchases of Intangible Assets | (20,445) | (29,649) | (28,853) | (26,790) |
| Proceeds from Sale of Investments | 46,021 | — | — | — |
| Proceeds from Business Divestments | — | — | — | 100,139 |
| Other Investing Activities | (5,447) | — | — | — |
| Cash from Investing Activities | 7,222 | (45,051) | (37,777) | 60,246 |
| Issuance of Short-Term Debt | 290,000 | 184,000 | 134,000 | 180,000 |
| Repayments of Short-Term Debt | (160,000) | (238,000) | (115,000) | (75,000) |
| Net Issuance / (Repayments) of Short-Term Debt | 130,000 | (54,000) | 19,000 | 105,000 |
| Issuance of Long-Term Debt | 200,000 | 500,000 | — | — |
| Repayments of Long-Term Debt | (440,000) | (557,198) | (73,031) | (85,431) |
| Net Issuance / (Repayments) of Long-Term Debt | (240,000) | (57,198) | (73,031) | (85,431) |
| Issuance of Common Shares | 11,315 | 9,247 | 9,545 | 8,165 |
| Repurchases of Common Shares | (230,887) | (140,781) | (32,736) | (213,520) |
| Net Issuance / (Repurchases) of Common Shares | (219,572) | (131,534) | (23,191) | (205,355) |
| Other Financing Activities | (7,075) | (45,465) | (34,330) | 14,726 |
| Cash from Financing Activities | (336,647) | (288,197) | (111,552) | (171,060) |
| Effect of Exchange Rate Changes on Cash and Cash Equivalents | 572 | 697 | 4,961 | (2,037) |
| Increase / (Decrease) in Cash, Cash Equivalents and Restricted Cash | (6,022) | 26,197 | 24,149 | 30,530 |
Key Metrics & Ratios
| Metric | Value |
|---|---|
| Market Cap | $4.91B |
| P/E | 22.13x |
| P/S | 2.79x |
| EV/EBITDA | 12.72x |
| Return on Equity | 15.4% |
| Return on Invested Capital | 10.9% |
| Current Ratio | 1.54x |
| Free Cash Flow Margin | 17.6% |
Margins
Gross margin
49.0%
Operating margin
18.7%
Net margin
12.9%
Quarterly Trend
| Quarter | Revenue | YoY growth | Operating margin | Operating income |
|---|---|---|---|---|
| Q2 2026 | $430M | +7.3% | 10.4% | $45M |
| Q1 2026 | $426M | +7.9% | 13.5% | $57M |
| Q4 2025 | $482M | +6.3% | 22.6% | $109M |
| Q3 2025 | $482M | +6.8% | 26.5% | $128M |
| Q2 2025 | $401M | — | 8.7% | $35M |
| Q1 2025 | $395M | — | 14.8% | $59M |
| Q4 2024 | $453M | — | 27.0% | $122M |
| Q3 2024 | $452M | — | 27.1% | $123M |
More on ACI Worldwide, Inc.
Figures compiled from public company filings.
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