NASDAQ : ACIW
ACI Worldwide, Inc. — Financial statements
Technology · Software - Infrastructure · United States
Last price 56.34 USD (Oct 30, 2026, 4:00 PM EDT) · Market cap 5.69B
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Financial statements
ACI Worldwide, Inc. (ACIW) reported revenue of 1.82B USD (TTM). Five years of income statement, balance sheet, cash flow and ratios below.
Income statement
Fiscal year January - December; amounts in USD.
| TTM | FY2025 | FY2024 | FY2023 | FY2022 | FY2021 | |
|---|---|---|---|---|---|---|
| Revenue | 1.82B | 1.76B | 1.59B | 1.45B | 1.42B | 1.37B |
| Cost of Revenue | 926.78M | 897.65M | 791.78M | 719.21M | 696.07M | 638.87M |
| Gross Profit | 893.35M | 862.13M | 802.50M | 733.37M | 725.83M | 731.73M |
| Selling, General & Admin | 267.55M | 258.88M | 231.43M | 249.83M | 249.01M | 250.34M |
| Research & Development | 179.52M | 167.54M | 146.68M | 140.76M | 146.31M | 144.31M |
| Operating Expenses | 545.07M | 523.32M | 484.67M | 512.96M | 522.00M | 521.83M |
| Operating Income | 348.28M | 338.81M | 317.83M | 220.41M | 203.84M | 209.90M |
| Interest Expense | -52.81M | -57.85M | -72.47M | -78.49M | -53.19M | -45.06M |
| Interest & Investment Income | 16.07M | 14.87M | 15.93M | 14.21M | 12.55M | 11.52M |
| Earnings From Equity Investments | 955.00K | 318.00K | ||||
| Currency Exchange Gain (Loss) | 4.57M | -5.11M | -2.14M | -8.32M | 4.99M | -1.29M |
| Other Non Operating Income (Expenses) | 8.00K | -506.00K | ||||
| EBT Excluding Unusual Items | 316.11M | 290.74M | 260.11M | 147.63M | 168.18M | 175.06M |
| Merger & Restructuring Charges | -8.40M | -7.70M | -8.70M | |||
| Gain (Loss) on Sale of Investments | 25.93M | |||||
| Gain (Loss) on Sale of Assets | 38.45M | |||||
| Other Unusual Items | -1.20M | -2.29M | -1.00M | |||
| Pretax Income | 306.51M | 306.67M | 250.41M | 147.63M | 206.63M | 175.06M |
| Income Tax Expense | 80.82M | 80.01M | 47.29M | 26.12M | 64.46M | 47.27M |
| Net Income | 225.69M | 226.66M | 203.12M | 121.51M | 142.18M | 127.79M |
| Net Income to Common | 225.69M | 226.66M | 203.12M | 121.51M | 142.18M | 127.79M |
| Shares Outstanding (Basic) | 102.38M | 103.96M | 105.49M | 108.50M | 113.70M | 117.41M |
| Shares Outstanding (Diluted) | 102.95M | 104.81M | 106.49M | 108.86M | 114.24M | 118.65M |
| EPS (Basic) | 2.20 | 2.18 | 1.93 | 1.12 | 1.25 | 1.09 |
| EPS (Diluted) | 2.19 | 2.16 | 1.91 | 1.12 | 1.24 | 1.08 |
| Free Cash Flow | 311.41M | 309.92M | 343.35M | 159.59M | 130.28M | 199.89M |
| Free Cash Flow Per Share | 3.02 | 2.96 | 3.22 | 1.47 | 1.14 | 1.69 |
| Gross Margin | 49.08% | 48.99% | 50.34% | 50.49% | 51.05% | 53.39% |
| Operating Margin | 19.13% | 19.25% | 19.94% | 15.17% | 14.34% | 15.31% |
| Profit Margin | 12.40% | 12.88% | 12.74% | 8.37% | 10.00% | 9.32% |
| Free Cash Flow Margin | 17.11% | 17.61% | 21.54% | 10.99% | 9.16% | 14.58% |
| EBITDA | 383.16M | 372.76M | 361.10M | 277.98M | 262.46M | 267.79M |
| EBITDA Margin | 21.05% | 21.18% | 22.65% | 19.14% | 18.46% | 19.54% |
| D&A For EBITDA | 34.88M | 33.95M | 43.26M | 57.57M | 58.63M | 57.89M |
| EBIT | 348.28M | 338.81M | 317.83M | 220.41M | 203.84M | 209.90M |
| EBIT Margin | 19.13% | 19.25% | 19.94% | 15.17% | 14.34% | 15.31% |
| Effective Tax Rate | 26.37% | 26.09% | 18.89% | 17.69% | 31.19% | 27.00% |
| Revenue as Reported | 1.82B | 1.76B | 1.59B | 1.45B | 1.42B | 1.37B |
Balance sheet
Fiscal year January - December; amounts in USD.
| TTM | FY2025 | FY2024 | FY2023 | FY2022 | FY2021 | |
|---|---|---|---|---|---|---|
| Cash & Equivalents | 167.40M | 196.46M | 216.39M | 164.24M | 124.98M | 122.06M |
| Cash & Short-Term Investments | 167.40M | 196.46M | 216.39M | 164.24M | 124.98M | 122.06M |
| Accounts Receivable | 459.25M | 445.87M | 414.40M | 452.34M | 403.78M | 320.40M |
| Receivables | 459.25M | 445.87M | 414.40M | 452.34M | 403.78M | 320.40M |
| Prepaid Expenses | 43.99M | 29.88M | 29.22M | 31.48M | 28.01M | 24.70M |
| Other Current Assets | 473.80M | 416.91M | 330.81M | 758.59M | 558.03M | 470.27M |
| Total Current Assets | 1.14B | 1.09B | 990.82M | 1.41B | 1.11B | 937.43M |
| Property, Plant & Equipment | 62.73M | 66.10M | 63.93M | 72.19M | 92.53M | 110.88M |
| Long-Term Investments | 18.60M | 18.50M | 17.90M | 19.30M | ||
| Goodwill | 1.23B | 1.23B | 1.23B | 1.23B | 1.23B | 1.28B |
| Other Intangible Assets | 204.05M | 224.59M | 258.27M | 304.06M | 357.81M | 440.79M |
| Long-Term Accounts Receivable | 357.81M | 391.72M | 360.08M | 313.98M | 297.82M | 276.16M |
| Long-Term Deferred Tax Assets | 68.70M | 73.12M | 72.71M | 58.50M | 53.74M | 50.78M |
| Long-Term Deferred Charges | 16.80M | 19.30M | 23.60M | 24.20M | 21.10M | |
| Other Long-Term Assets | 26.55M | 12.34M | 15.55M | 21.23M | 25.07M | 22.08M |
| Total Assets | 3.10B | 3.10B | 3.03B | 3.44B | 3.21B | 3.16B |
| Accounts Payable | 66.46M | 64.93M | 45.42M | 45.96M | 48.00M | 41.31M |
| Accrued Expenses | 45.92M | 67.39M | 71.56M | 63.06M | 58.08M | 64.26M |
| Short-Term Debt | 14.13M | 11.87M | 14.46M | 12.70M | 13.53M | 12.52M |
| Current Portion of Long-Term Debt | 40.97M | 40.94M | 34.93M | 78.00M | 71.32M | 48.77M |
| Current Portion of Leases | 8.72M | 8.86M | 9.27M | 9.35M | 11.22M | 11.52M |
| Current Income Taxes Payable | 5.26M | 3.28M | ||||
| Current Unearned Revenue | 75.65M | 73.64M | 75.42M | 59.58M | 58.30M | 84.42M |
| Other Current Liabilities | 471.57M | 432.77M | 348.29M | 768.59M | 598.40M | 491.35M |
| Total Current Liabilities | 723.43M | 705.64M | 602.63M | 1.04B | 858.84M | 754.15M |
| Long-Term Debt | 781.20M | 781.37M | 889.65M | 963.60M | 1.03B | 1.02B |
| Long-Term Leases | 18.56M | 22.61M | 22.59M | 29.07M | 33.91M | 43.35M |
| Long-Term Unearned Revenue | 13.02M | 13.62M | 19.30M | 24.78M | 23.23M | 25.93M |
| Long-Term Deferred Tax Liabilities | 37.36M | 38.51M | 39.92M | 40.73M | 40.37M | 36.12M |
| Other Long-Term Liabilities | 24.94M | 24.08M | 26.87M | 25.00M | 32.50M | 34.54M |
| Total Liabilities | 1.60B | 1.59B | 1.60B | 2.12B | 2.02B | 1.91B |
| Common Stock | 702.00K | 702.00K | 702.00K | 702.00K | 702.00K | 702.00K |
| Additional Paid-In Capital | 761.82M | 761.52M | 731.93M | 712.99M | 702.46M | 688.31M |
| Retained Earnings | 1.89B | 1.82B | 1.60B | 1.39B | 1.27B | 1.13B |
| Treasury Stock | -1.05B | -964.75M | -784.91M | -674.90M | -665.77M | -475.97M |
| Comprehensive Income & Other | -107.89M | -103.14M | -121.47M | -109.47M | -117.66M | -99.55M |
| Shareholders' Equity | 1.50B | 1.52B | 1.42B | 1.32B | 1.19B | 1.24B |
| Total Liabilities & Equity | 3.10B | 3.10B | 3.03B | 3.44B | 3.21B | 3.16B |
| Total Debt | 863.59M | 865.64M | 970.90M | 1.09B | 1.16B | 1.14B |
| Net Cash (Debt) | -696.20M | -669.18M | -754.50M | -928.49M | -1.03B | -1.01B |
| Net Cash Per Share | -6.76 | -6.38 | -7.08 | -8.53 | -9.04 | -8.55 |
| Filing Date Shares Outstanding | 100.96M | 101.72M | 105.34M | 106.41M | 108.11M | 115.06M |
| Total Common Shares Outstanding | 101.22M | 102.71M | 105.25M | 108.08M | 108.07M | 115.73M |
| Working Capital | 421.01M | 383.47M | 388.19M | 369.40M | 255.96M | 183.28M |
| Book Value Per Share | 14.79 | 14.79 | 13.53 | 12.25 | 11.04 | 10.76 |
| Tangible Book Value | 61.71M | 63.37M | -59.97M | -205.79M | -390.65M | -476.24M |
| Tangible Book Value Per Share | 0.61 | 0.62 | -0.57 | -1.90 | -3.61 | -4.12 |
| Land | 1.19M | 1.19M | 1.19M | 1.78M | 1.78M | |
| Buildings | 16.01M | 15.98M | 14.49M | 15.06M | 14.85M | |
| Machinery | 122.01M | 125.22M | 127.61M | 142.33M | 137.09M | |
| Leasehold Improvements | 21.66M | 26.32M | 32.66M | 34.16M | 34.46M | |
| Order Backlog | 7.26B | 6.71B |
Cash flow statement
Fiscal year January - December; amounts in USD.
| TTM | FY2025 | FY2024 | FY2023 | FY2022 | FY2021 | |
|---|---|---|---|---|---|---|
| Net Income | 225.69M | 226.66M | 203.12M | 121.51M | 142.18M | 127.79M |
| Depreciation & Amortization | 44.40M | 43.65M | 52.97M | 69.19M | 69.66M | 68.41M |
| Other Amortization | 64.96M | 65.11M | 66.21M | 69.12M | 73.26M | 80.19M |
| Loss (Gain) From Sale of Assets | -38.45M | |||||
| Asset Writedown & Restructuring Costs | 4.40M | |||||
| Loss (Gain) From Sale of Investments | -25.93M | |||||
| Stock-Based Compensation | 78.21M | 70.63M | 41.28M | 24.55M | 29.75M | 27.24M |
| Other Operating Activities | 9.90M | 3.06M | -11.21M | -2.16M | 4.63M | 4.59M |
| Change in Accounts Receivable | -73.52M | -46.16M | -23.58M | -63.00M | -132.19M | -43.83M |
| Change in Accounts Payable | 7.66M | 11.32M | -268.00K | -3.77M | 7.73M | 1.41M |
| Change in Unearned Revenue | -1.17M | -10.35M | 11.89M | 2.71M | -2.98M | -17.33M |
| Change in Other Net Operating Assets | -26.28M | -15.16M | 13.94M | -49.62M | -10.21M | -27.99M |
| Operating Cash Flow | 329.85M | 322.83M | 358.75M | 168.52M | 143.38M | 220.47M |
| Capital Expenditures | -18.44M | -12.91M | -15.40M | -8.92M | -13.10M | -20.58M |
| Divestitures | 100.14M | |||||
| Sale (Purchase) of Intangibles | -26.67M | -20.45M | -29.65M | -28.85M | -26.79M | -24.79M |
| Investment in Securities | 46.02M | |||||
| Other Investing Activities | -5.45M | -5.45M | ||||
| Investing Cash Flow | -50.55M | 7.22M | -45.05M | -37.78M | 60.25M | -45.37M |
| Long-Term Debt Issued | 490.00M | 684.00M | 134.00M | 180.00M | 35.00M | |
| Long-Term Debt Repaid | -620.93M | -810.05M | -204.80M | -172.55M | -144.13M | |
| Net Debt Issued (Repaid) | -98.43M | -130.93M | -126.05M | -70.80M | 7.45M | -109.14M |
| Issuance of Common Stock | 12.01M | 11.31M | 9.25M | 9.54M | 8.16M | 12.30M |
| Repurchase of Common Stock | -202.71M | -230.89M | -140.78M | -32.74M | -213.52M | -122.21M |
| Other Financing Activities | -54.19M | 13.85M | -30.61M | -17.56M | 26.85M | -37.83M |
| Financing Cash Flow | -343.32M | -336.65M | -288.20M | -111.55M | -171.06M | -256.88M |
| Foreign Exchange Rate Adjustments | -10.47M | 572.00K | 697.00K | 4.96M | -2.04M | 533.00K |
| Net Cash Flow | -74.50M | -6.02M | 26.20M | 24.15M | 30.53M | -81.24M |
| Free Cash Flow | 311.41M | 309.92M | 343.35M | 159.59M | 130.28M | 199.89M |
| Free Cash Flow Margin | 17.11% | 17.61% | 21.54% | 10.99% | 9.16% | 14.58% |
| Free Cash Flow Per Share | 3.02 | 2.96 | 3.22 | 1.47 | 1.14 | 1.69 |
| Levered Free Cash Flow | 260.54M | 303.42M | 343.52M | 135.62M | 133.92M | 249.60M |
| Unlevered Free Cash Flow | 291.89M | 337.47M | 385.90M | 180.35M | 162.60M | 273.08M |
| Cash Interest Paid | 51.75M | 64.02M | 70.20M | 73.54M | 48.53M | 40.07M |
| Cash Income Tax Paid | 95.98M | 90.05M | 47.91M | 65.44M | 43.55M | 46.17M |
| Change in Working Capital | -93.31M | -60.35M | 1.98M | -113.69M | -137.65M | -87.74M |
Ratios
Fiscal year January - December; amounts in USD.
| TTM | FY2025 | FY2024 | FY2023 | FY2022 | FY2021 | |
|---|---|---|---|---|---|---|
| Market Capitalization | 5.69B | 4.93B | 5.44B | 3.33B | 2.58B | 4.08B |
| Enterprise Value | 6.38B | 5.65B | 6.30B | 4.30B | 3.52B | 5.08B |
| Last Close Price | 56.34 | 47.81 | 51.91 | 30.60 | 23.00 | 34.70 |
| PE Ratio | 25.67 | 21.75 | 26.81 | 27.38 | 18.18 | 31.92 |
| Forward PE | 15.64 | 15.12 | 24.16 | 16.54 | 11.85 | 16.98 |
| PS Ratio | 3.12 | 2.80 | 3.42 | 2.29 | 1.82 | 2.98 |
| PB Ratio | 3.81 | 3.24 | 3.82 | 2.51 | 2.17 | 3.28 |
| P/TBV Ratio | 92.17 | 77.78 | ||||
| P/FCF Ratio | 18.26 | 15.90 | 15.86 | 20.85 | 19.84 | 20.41 |
| P/OCF Ratio | 17.24 | 15.27 | 15.18 | 19.74 | 18.03 | 18.50 |
| PEG Ratio | 1.28 | 1.61 | 1.10 | 0.79 | 1.13 | |
| EV/Sales Ratio | 3.51 | 3.21 | 3.95 | 2.96 | 2.48 | 3.71 |
| EV/EBITDA Ratio | 16.66 | 15.17 | 17.45 | 15.47 | 13.42 | 18.98 |
| EV/EBIT Ratio | 18.33 | 16.69 | 19.83 | 19.51 | 17.29 | 24.22 |
| EV/FCF Ratio | 20.50 | 18.24 | 18.35 | 26.94 | 27.04 | 25.43 |
| Debt / Equity Ratio | 0.58 | 0.57 | 0.68 | 0.82 | 0.97 | 0.91 |
| Debt / EBITDA Ratio | 2.20 | 2.26 | 2.60 | 3.72 | 4.17 | 4.01 |
| Debt / FCF Ratio | 2.77 | 2.79 | 2.83 | 6.85 | 8.89 | 5.68 |
| Net Debt / Equity Ratio | 0.47 | 0.44 | 0.53 | 0.70 | 0.87 | 0.81 |
| Net Debt / EBITDA Ratio | 1.82 | 1.79 | 2.09 | 3.34 | 3.94 | 3.79 |
| Net Debt / FCF Ratio | 2.24 | 2.16 | 2.20 | 5.82 | 7.93 | 5.07 |
| Asset Turnover | 0.58 | 0.57 | 0.49 | 0.44 | 0.45 | 0.42 |
| Quick Ratio | 0.87 | 0.91 | 1.05 | 0.59 | 0.62 | 0.59 |
| Current Ratio | 1.58 | 1.54 | 1.64 | 1.36 | 1.30 | 1.24 |
| Return on Equity (ROE) | 15.62% | 15.40% | 14.78% | 9.65% | 11.66% | 10.43% |
| Return on Assets (ROA) | 6.98% | 6.91% | 6.14% | 4.14% | 4.00% | 4.01% |
| Return on Invested Capital (ROIC) | 11.69% | 11.47% | 11.63% | 8.10% | 6.25% | 6.77% |
| Return on Capital Employed (ROCE) | 14.70% | 14.10% | 13.10% | 9.20% | 8.70% | 8.70% |
| Earnings Yield | 3.90% | 4.60% | 3.73% | 3.65% | 5.50% | 3.13% |
| FCF Yield | 5.48% | 6.29% | 6.31% | 4.80% | 5.04% | 4.90% |
| Buyback Yield / Dilution | 2.94% | 1.58% | 2.17% | 4.71% | 3.72% | -0.48% |