ACI Worldwide (ACIW) Financials

$43.25 +0.66 (+1.55%)

Closing price 05/20/2026 04:00 PM Eastern

Extended Trading

$43.26 +0.02 (+0.03%)

As of 05/20/2026 04:10 PM Eastern

Annual Income Statements for ACI Worldwide

This table shows ACI Worldwide's income and expenses over time, based on annual financial data. All values are USD millions unless otherwise specified.

Metric	2015	2016	2017	2018	2019	2020	2021	2022	2023	2024	2025
Period end date	12/31/2015	12/31/2016	12/31/2017	12/31/2018	12/31/2019	12/31/2020	12/31/2021	12/31/2022	12/31/2023	12/31/2024	12/31/2025
Net Income / (Loss) Attributable to Common Shareholders	85	130	5.14	69	67	73	128	142	122	203	227
Consolidated Net Income / (Loss)	85	130	5.14	69	67	73	128	142	122	203	227
Net Income / (Loss) Continuing Operations	85	130	5.14	69	67	73	128	142	122	203	227
Total Pre-Tax Income	113	186	44	92	72	99	175	207	148	250	307
Total Operating Income	128	221	85	126	124	145	210	204	220	308	330
Total Gross Profit	574	561	572	579	641	672	732	726	733	803	862
Total Revenue	1,046	1,006	1,024	1,010	1,258	1,294	1,371	1,422	1,453	1,594	1,760
Operating Revenue	1,046	1,006	1,024	1,010	1,258	1,294	1,371	1,422	1,453	1,594	1,760
Total Cost of Revenue	472	445	452	430	617	622	639	696	719	792	898
Operating Cost of Revenue	472	445	452	430	617	622	639	696	719	792	898
Total Operating Expenses	446	340	487	454	517	527	522	522	513	494	532
Selling, General & Admin Expense	87	114	153	107	135	152	124	114	117	118	143
Marketing Expense	129	118	108	118	124	104	127	135	133	118	125
Research & Development Expense	146	170	137	144	147	139	144	146	141	147	168
Depreciation Expense	83	90	89	85	112	132	127	127	122	111	97
Total Other Income / (Expense), net	-15	-36	-41	-34	-52	-46	-35	2.80	-73	-58	-23
Interest Expense	41	40	39	42	64	57	45	53	78	72	58
Interest & Investment Income	0.39	0.53	0.56	11	12	12	12	13	14	16	15
Other Income / (Expense), net	26	4.11	-2.62	-3.72	0.52	-1.12	-1.29	43	-8.51	-1.18	20
Income Tax Expense	28	56	38	23	5.15	26	47	64	26	47	80
Basic Earnings per Share	$0.73	$1.10	$0.04	$0.59	$0.58	$0.62	$1.09	$1.25	$1.12	$1.93	$2.18
Weighted Average Basic Shares Outstanding	117.47M	117.53M	118.06M	116.06M	116.18M	116.40M	117.41M	113.70M	108.50M	105.49M	103.96M
Diluted Earnings per Share	$0.72	$1.09	$0.04	$0.59	$0.57	$0.62	$1.08	$1.24	$1.12	$1.91	$2.16
Weighted Average Diluted Shares Outstanding	118.92M	118.85M	119.44M	117.63M	118.57M	118.08M	118.65M	114.24M	108.86M	106.49M	104.81M
Weighted Average Basic & Diluted Shares Outstanding	117M	117.80M	128.40M	116.80M	116.13M	117.14M	115.06M	108.11M	106.41M	105.34M	101.72M

This table shows ACI Worldwide's income and expenses over time, based on quarterly financial data. All values are USD millions unless otherwise specified.

Metric	Q3 2023	Q4 2023	Q1 2024	Q2 2024	Q3 2024	Q4 2024	Q1 2025	Q2 2025	Q3 2025	Q4 2025	Q1 2026
Period end date	9/30/2023	12/31/2023	3/31/2024	6/30/2024	9/30/2024	12/31/2024	3/31/2025	6/30/2025	9/30/2025	12/31/2025	3/31/2026
Net Income / (Loss) Attributable to Common Shareholders	38	123	-7.75	31	81	99	59	12	91	64	38
Consolidated Net Income / (Loss)	38	123	-7.75	31	81	99	59	12	91	64	38
Net Income / (Loss) Continuing Operations	38	123	-7.75	31	81	99	59	12	91	64	38
Total Pre-Tax Income	47	154	-7.47	40	107	110	72	18	118	99	50
Total Operating Income	62	172	9.56	54	123	122	59	35	128	109	57
Total Gross Profit	185	295	125	170	254	253	181	166	259	255	197
Total Revenue	363	477	316	373	452	453	395	401	482	482	426
Operating Revenue	363	477	316	373	452	453	395	401	482	482	426
Total Cost of Revenue	178	182	191	203	197	200	213	235	223	226	228
Operating Cost of Revenue	178	182	191	203	197	200	213	235	223	226	228
Total Operating Expenses	123	123	115	117	132	131	123	132	132	146	140
Selling, General & Admin Expense	30	25	26	25	34	33	28	38	34	43	40
Marketing Expense	29	34	27	29	29	34	32	29	31	33	30
Research & Development Expense	34	35	35	35	38	39	39	41	43	45	44
Depreciation Expense	30	29	28	28	32	24	24	24	24	25	25
Total Other Income / (Expense), net	-15	-18	-17	-13	-15	-12	13	-17	-9.58	-9.80	-7.07
Interest Expense	20	20	19	18	18	17	15	15	15	14	12
Interest & Investment Income	3.50	3.76	4.01	3.95	3.87	4.09	4.06	3.93	3.68	3.20	3.61
Other Income / (Expense), net	1.08	-2.11	-2.03	1.16	-0.82	0.51	24	-6.39	1.55	0.83	1.53
Income Tax Expense	8.75	32	0.29	9.45	26	12	13	5.67	27	35	12
Basic Earnings per Share	$0.35	$1.13	($0.07)	$0.29	$0.78	$0.93	$0.56	$0.12	$0.88	$0.62	$0.38
Weighted Average Basic Shares Outstanding	108.67M	108.50M	106.80M	105.40M	104.77M	105.49M	105.35M	104.38M	103.25M	103.96M	101.92M
Diluted Earnings per Share	$0.35	$1.13	($0.07)	$0.29	$0.77	$0.92	$0.55	$0.12	$0.88	$0.61	$0.37
Weighted Average Diluted Shares Outstanding	108.93M	108.86M	106.80M	106.17M	106.02M	106.49M	106.83M	105.10M	103.90M	104.81M	102.84M
Weighted Average Basic & Diluted Shares Outstanding	108.72M	106.41M	105.44M	104.66M	104.89M	105.34M	104.90M	103.19M	103.09M	101.72M	101.66M

This table details how cash moves in and out of ACI Worldwide's business through operations, investing, and financing, using annual figures. All values are USD millions unless otherwise specified.

Metric	2015	2016	2017	2018	2019	2020	2021	2022	2023	2024	2025
Period end date	12/31/2015	12/31/2016	12/31/2017	12/31/2018	12/31/2019	12/31/2020	12/31/2021	12/31/2022	12/31/2023	12/31/2024	12/31/2025
Net Change in Cash & Equivalents	25	-26	-6.04	79	-31	124	-81	31	24	26	-6.02
Net Cash From Operating Activities	188	100	146	184	133	315	220	143	169	359	323
Net Cash From Continuing Operating Activities	188	100	146	184	133	315	220	143	169	359	323
Net Income / (Loss) Continuing Operations	85	130	5.14	69	67	73	128	142	122	203	227
Consolidated Net Income / (Loss)	85	130	5.14	69	67	73	128	142	122	203	227
Depreciation Expense	22	23	25	24	24	25	21	23	24	18	13
Amortization Expense	82	86	82	78	119	144	128	120	115	105	96
Non-Cash Adjustments To Reconcile Net Income	-3.36	-107	14	22	42	36	28	-5.67	26	43	47
Changes in Operating Assets and Liabilities, net	2.24	-32	20	-9.34	-119	38	-84	-136	-118	-11	-59
Net Cash From Investing Activities	-200	130	-54	-45	-830	-31	-45	60	-38	-45	7.22
Net Cash From Continuing Investing Activities	-200	130	-54	-45	-830	-31	-45	60	-38	-45	7.22
Purchase of Property, Plant & Equipment	-27	-41	-26	-18	-23	-18	-21	-13	-8.92	-15	-13
Acquisitions	-201	-22	-29	-26	-782	-29	-25	-27	-29	-30	-20
Divestitures	0.00	199	-	-	-	0.00	0.00	100	0.00	0.00	46
Other Investing Activities, net	-	-	-	-1.47	-25	16	-	-	0.00	0.00	-5.45
Net Cash From Financing Activities	45	-251	-98	-58	668	-160	-257	-171	-112	-288	-337
Net Cash From Continuing Financing Activities	45	-251	-98	-58	667	-160	-257	-171	-112	-288	-337
Repayment of Debt	-264	-276	-487	-23	-90	-267	-144	-173	-207	-815	-331
Repurchase of Common Equity	-4.65	-63	-37	-55	-36	-29	-107	-207	-28	-128	-203
Issuance of Debt	298	76	415	0.00	780	30	35	180	134	684	200
Issuance of Common Equity	3.10	2.99	2.96	3.10	3.59	3.76	3.44	3.58	2.82	2.92	3.42
Other Financing Activities, net	12	9.33	8.56	17	9.00	102	-44	24	-14	-32	-6.37
Effect of Exchange Rate Changes	-7.74	-4.87	0.32	-2.08	-1.50	-0.06	0.53	-2.04	4.96	0.70	0.57
Cash Interest Paid	35	35	35	35	59	52	40	49	74	70	64
Cash Income Taxes Paid	24	19	38	32	28	28	46	44	65	48	90

This table details how cash moves in and out of ACI Worldwide's business through operations, investing, and financing, using quarterly figures. All values are USD millions unless otherwise specified.

Metric	Q3 2023	Q4 2023	Q1 2024	Q2 2024	Q3 2024	Q4 2024	Q1 2025	Q2 2025	Q3 2025	Q4 2025	Q1 2026
Period end date	9/30/2023	12/31/2023	3/31/2024	6/30/2024	9/30/2024	12/31/2024	3/31/2025	6/30/2025	9/30/2025	12/31/2025	3/31/2026
Net Change in Cash & Equivalents	27	15	-0.73	-14	45	-3.65	102	-68	-46	5.59	-17
Net Cash From Operating Activities	25	86	123	55	54	126	78	50	73	122	64
Net Cash From Continuing Operating Activities	25	86	123	55	54	126	78	50	73	122	64
Net Income / (Loss) Continuing Operations	38	123	-7.75	31	81	99	59	12	91	64	38
Consolidated Net Income / (Loss)	38	123	-7.75	31	81	99	59	12	91	64	38
Depreciation Expense	5.63	5.02	3.63	3.56	7.80	3.16	3.16	3.19	3.18	3.31	3.40
Amortization Expense	28	27	27	27	27	24	24	24	24	24	25
Non-Cash Adjustments To Reconcile Net Income	8.68	6.76	6.79	9.96	14	13	-15	18	19	25	16
Changes in Operating Assets and Liabilities, net	-55	-76	93	-17	-76	-12	7.30	-7.54	-64	4.51	-18
Net Cash From Investing Activities	-11	-7.25	-18	-6.19	-7.66	-13	37	-7.54	-9.91	-12	-15
Net Cash From Continuing Investing Activities	-11	-7.25	-18	-6.19	-7.66	-13	37	-7.54	-9.91	-12	-15
Purchase of Property, Plant & Equipment	-3.38	-0.97	-3.21	-1.75	-3.51	-6.94	-2.17	-2.16	-3.40	-5.18	-3.00
Acquisitions	-7.55	-6.28	-15	-4.44	-4.15	-6.47	-6.76	-5.38	-6.50	-1.80	-12
Divestitures	-	-	0.00	-	-	-	46	-	-	-	0.00
Net Cash From Financing Activities	13	-64	-108	-62	-0.17	-118	-15	-114	-106	-101	-64
Net Cash From Continuing Financing Activities	13	-64	-108	-62	-0.17	-118	-15	-114	-106	-101	-64
Repayment of Debt	-26	-88	-689	-15	-35	108	-84	-446	-32	230	-29
Repurchase of Common Equity	-	-28	-63	-57	-8.00	-	-14	-119	-16	-53	-65
Issuance of Debt	20	59	664	-	20	-184	0.00	490	-	-290	15
Issuance of Common Equity	0.70	0.70	0.69	0.70	0.73	0.79	0.81	0.82	0.87	0.91	0.91
Other Financing Activities, net	19	-8.12	-22	10	22	-43	82	-40	-58	9.89	14
Effect of Exchange Rate Changes	-1.04	0.57	2.31	-1.02	-1.62	1.03	1.79	4.12	-2.97	-2.36	-2.42
Cash Interest Paid	24	13	24	12	24	10	20	16	15	13	12
Cash Income Taxes Paid	10	22	2.52	12	8.46	25	13	20	12	45	5.36

This table presents ACI Worldwide's assets and liabilities at the end of each period, using annual balance sheet data. All values are USD millions unless otherwise specified.

Metric	2015	2016	2017	2018	2019	2020	2021	2022	2023	2024	2025
Period end date	12/31/2015	12/31/2016	12/31/2017	12/31/2018	12/31/2019	12/31/2020	12/31/2021	12/31/2022	12/31/2023	12/31/2024	12/31/2025
Total Assets	1,976	1,902	1,862	2,122	3,258	3,387	3,159	3,210	3,445	3,025	3,105
Total Current Assets	383	408	422	566	920	1,155	937	1,115	1,407	991	1,089
Cash & Equivalents	102	76	70	149	121	165	122	125	164	216	196
Accounts Receivable	219	268	263	348	359	343	320	404	452	414	446
Prepaid Expenses	27	26	23	23	25	24	25	28	31	29	30
Other Current Assets	22	34	58	47	415	622	470	558	759	331	417
Plant, Property, & Equipment, net	61	79	80	73	70	65	63	52	38	35	37
Total Noncurrent Assets	1,533	1,415	1,360	1,483	2,267	2,167	2,158	2,043	2,000	1,999	1,978
Noncurrent Note & Lease Receivables	-	-	0.00	189	213	216	276	298	314	360	392
Goodwill	913	910	910	910	1,281	1,280	1,280	1,226	1,226	1,226	1,231
Intangible Assets	495	389	347	305	591	518	441	358	304	258	225
Noncurrent Deferred & Refundable Income Taxes	91	77	67	27	52	57	51	54	58	73	73
Other Noncurrent Operating Assets	34	39	36	52	130	95	110	107	98	82	58
Total Liabilities & Shareholders' Equity	1,976	1,902	1,862	2,122	3,258	3,387	3,159	3,210	3,445	3,025	3,105
Total Liabilities	1,321	1,147	1,097	1,074	2,128	2,180	1,914	2,017	2,120	1,601	1,586
Total Current Liabilities	385	376	322	297	612	906	754	859	1,037	603	706
Short-Term Debt	90	90	18	21	34	34	46	66	74	35	41
Accounts Payable	55	43	35	40	37	41	41	48	46	45	65
Current Deferred Revenue	129	105	108	105	66	96	84	58	60	75	74
Current Employee Benefit Liabilities	31	48	49	38	29	49	51	45	54	56	56
Other Current Liabilities	75	79	103	93	446	686	531	642	803	391	470
Total Noncurrent Liabilities	937	771	775	778	1,516	1,275	1,160	1,158	1,083	998	880
Long-Term Debt	834	654	668	651	1,339	1,121	1,020	1,024	964	890	777
Noncurrent Deferred Revenue	42	50	52	51	53	34	26	23	25	19	14
Noncurrent Deferred & Payable Income Tax Liabilities	28	26	17	32	32	41	36	40	41	40	39
Other Noncurrent Operating Liabilities	32	41	38	44	91	80	78	70	54	49	51
Commitments & Contingencies	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00
Total Equity & Noncontrolling Interests	654	755	765	1,048	1,130	1,207	1,245	1,193	1,324	1,424	1,519
Total Preferred & Common Equity	654	755	765	1,048	1,130	1,207	1,245	1,193	1,324	1,424	1,519
Preferred Stock	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00
Total Common Equity	654	755	765	1,048	1,130	1,207	1,245	1,193	1,324	1,424	1,519
Common Stock	562	601	611	633	668	683	689	703	714	733	762
Retained Earnings	417	546	551	864	931	1,003	1,131	1,273	1,395	1,598	1,825
Treasury Stock	-253	-298	-320	-356	-378	-388	-476	-666	-675	-785	-965
Accumulated Other Comprehensive Income / (Loss)	-72	-94	-77	-93	-92	-92	-100	-118	-109	-121	-103

This table presents ACI Worldwide's assets and liabilities at the end of each period, using quarterly balance sheet data. All values are USD millions unless otherwise specified.

Metric	Q3 2022	Q1 2023	Q2 2023	Q3 2023	Q1 2024	Q2 2024	Q3 2024	Q1 2025	Q2 2025	Q3 2025	Q1 2026
Period end date	9/30/2022	3/31/2023	6/30/2023	9/30/2023	3/31/2024	6/30/2024	9/30/2024	3/31/2025	6/30/2025	9/30/2025	3/31/2026
Total Assets	3,263	3,007	3,069	3,255	3,300	3,365	3,093	3,203	3,138	3,161	3,105
Total Current Assets	1,211	954	1,029	1,227	1,299	1,381	1,086	1,209	1,145	1,164	1,133
Cash & Equivalents	135	142	132	140	183	157	178	230	190	199	162
Accounts Receivable	302	343	350	371	345	369	425	386	398	461	457
Prepaid Expenses	30	34	36	32	34	30	32	36	37	33	36
Other Current Assets	744	435	510	684	736	825	451	557	520	470	479
Plant, Property, & Equipment, net	54	48	45	41	37	35	31	34	33	33	38
Total Noncurrent Assets	1,998	2,004	1,995	1,987	1,965	1,949	1,976	1,961	1,960	1,964	1,934
Noncurrent Note & Lease Receivables	248	270	269	279	290	290	339	354	346	363	369
Goodwill	1,226	1,226	1,226	1,226	1,226	1,226	1,226	1,226	1,226	1,226	1,231
Intangible Assets	370	340	327	308	299	279	263	244	245	231	214
Noncurrent Deferred & Refundable Income Taxes	55	63	74	75	56	61	65	77	81	84	66
Other Noncurrent Operating Assets	98	104	99	98	93	92	84	60	63	60	54
Total Liabilities & Shareholders' Equity	3,263	3,007	3,069	3,255	3,300	3,365	3,093	3,203	3,138	3,161	3,105
Total Liabilities	2,065	1,839	1,896	2,044	2,043	2,128	1,763	1,721	1,745	1,682	1,604
Total Current Liabilities	998	701	782	946	949	1,044	697	805	775	737	739
Short-Term Debt	61	70	74	74	35	35	35	35	41	41	41
Accounts Payable	38	47	48	41	44	49	48	53	58	55	62
Current Deferred Revenue	53	70	69	61	77	73	69	72	72	65	79
Current Employee Benefit Liabilities	44	30	41	42	27	33	43	31	41	47	32
Other Current Liabilities	802	483	549	727	766	854	503	614	563	528	526
Total Noncurrent Liabilities	1,067	1,138	1,114	1,098	1,094	1,084	1,066	916	970	945	865
Long-Term Debt	948	1,011	992	987	982	973	959	811	857	827	766
Noncurrent Deferred Revenue	22	22	25	23	20	19	19	18	18	15	13
Noncurrent Deferred & Payable Income Tax Liabilities	30	39	37	34	39	41	38	41	42	50	38
Other Noncurrent Operating Liabilities	66	67	61	54	53	50	49	46	53	53	48
Commitments & Contingencies	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00
Total Equity & Noncontrolling Interests	1,198	1,168	1,173	1,211	1,257	1,237	1,330	1,483	1,393	1,479	1,501
Total Preferred & Common Equity	1,198	1,168	1,173	1,211	1,257	1,237	1,330	1,483	1,393	1,479	1,501
Preferred Stock	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00
Total Common Equity	1,198	1,168	1,173	1,211	1,257	1,237	1,330	1,483	1,393	1,479	1,501
Common Stock	698	702	705	709	716	719	726	736	734	746	773
Retained Earnings	1,183	1,241	1,234	1,272	1,387	1,418	1,500	1,657	1,669	1,760	1,863
Treasury Stock	-556	-661	-656	-653	-734	-787	-791	-797	-911	-924	-1,027
Accumulated Other Comprehensive Income / (Loss)	-128	-114	-111	-117	-112	-114	-105	-114	-99	-103	-108

This table displays calculated financial ratios and metrics derived from ACI Worldwide's official financial filings.

Metric	2015	2016	2017	2018	2019	2020	2021	2022	2023	2024	2025
Period end date	12/31/2015	12/31/2016	12/31/2017	12/31/2018	12/31/2019	12/31/2020	12/31/2021	12/31/2022	12/31/2023	12/31/2024	12/31/2025
Growth Metrics	-	-	-	-	-	-	-	-	-	-	-
Revenue Growth	2.94%	-3.85%	1.84%	-1.41%	24.61%	2.86%	5.89%	3.74%	2.16%	9.76%	10.38%
EBITDA Growth	11.95%	29.54%	-43.60%	18.91%	19.06%	16.97%	14.41%	9.24%	-10.25%	22.93%	6.47%
EBIT Growth	11.91%	45.92%	-63.58%	48.97%	1.71%	15.57%	45.24%	18.54%	-14.31%	44.86%	13.91%
NOPAT Growth	2.02%	60.08%	-93.54%	847.70%	21.58%	-7.22%	43.68%	-8.46%	29.35%	37.77%	-2.44%
Net Income Growth	26.46%	51.62%	-96.04%	1,242.18%	-2.70%	8.35%	75.88%	11.26%	-14.54%	67.16%	11.59%
EPS Growth	24.14%	51.39%	-96.33%	1,375.00%	-3.39%	8.77%	74.19%	14.81%	-9.68%	70.54%	13.09%
Operating Cash Flow Growth	16.89%	-46.90%	46.45%	25.81%	-27.91%	137.47%	-29.99%	-34.97%	17.53%	112.89%	-10.01%
Free Cash Flow Firm Growth	116.55%	1,186.28%	-74.74%	-283.71%	-621.74%	142.01%	-44.89%	5.99%	-17.11%	123.07%	-25.16%
Invested Capital Growth	5.75%	-3.61%	-2.98%	13.82%	51.56%	-7.79%	-0.35%	-1.39%	1.85%	-2.98%	0.36%
Revenue Q/Q Growth	1.79%	3.51%	-1.57%	-0.63%	6.79%	-0.99%	6.18%	-1.05%	1.73%	-1.45%	1.65%
EBITDA Q/Q Growth	-1.79%	16.84%	-7.44%	3.29%	1.98%	0.21%	17.32%	-4.48%	6.47%	-10.85%	-2.72%
EBIT Q/Q Growth	-4.74%	26.57%	-13.11%	7.13%	-7.39%	-3.27%	41.90%	-6.32%	12.98%	-13.38%	-3.62%
NOPAT Q/Q Growth	-0.99%	14.61%	-85.49%	358.03%	-24.10%	12.97%	40.70%	-9.30%	31.21%	-9.61%	-13.47%
Net Income Q/Q Growth	-2.95%	21.50%	-86.72%	378.78%	-32.44%	19.11%	49.52%	-11.92%	36.34%	-10.59%	-13.12%
EPS Q/Q Growth	-4.00%	18.48%	-88.24%	490.00%	-33.72%	21.57%	47.95%	-10.14%	43.59%	-9.91%	-12.55%
Operating Cash Flow Q/Q Growth	-11.61%	-22.62%	21.78%	13.83%	-23.09%	33.59%	-17.52%	-19.43%	35.69%	12.81%	-1.44%
Free Cash Flow Firm Q/Q Growth	-92.01%	310.07%	-12.19%	33.71%	-10.00%	60.63%	-32.38%	-19.23%	83.79%	19.72%	-15.71%
Invested Capital Q/Q Growth	13.35%	2.64%	-1.07%	0.64%	1.56%	-2.72%	2.82%	4.17%	3.05%	-0.63%	-0.35%
Profitability Metrics	-	-	-	-	-	-	-	-	-	-	-
Gross Margin	54.85%	55.76%	55.84%	57.38%	50.93%	51.91%	53.39%	51.05%	50.49%	50.34%	48.99%
EBITDA Margin	24.67%	33.24%	18.41%	22.20%	21.21%	24.12%	26.06%	27.44%	24.11%	27.00%	26.05%
Operating Margin	12.23%	21.99%	8.26%	12.47%	9.84%	11.18%	15.31%	14.34%	15.17%	19.33%	18.75%
EBIT Margin	14.76%	22.40%	8.01%	12.10%	9.88%	11.10%	15.22%	17.39%	14.59%	19.25%	19.87%
Profit (Net Income) Margin	8.17%	12.88%	0.50%	6.83%	5.33%	5.61%	9.32%	10.00%	8.37%	12.74%	12.88%
Tax Burden Percent	75.36%	69.80%	11.79%	75.08%	92.87%	73.67%	73.00%	68.81%	82.31%	81.11%	73.91%
Interest Burden Percent	73.45%	82.39%	53.12%	75.13%	58.10%	68.67%	83.92%	83.56%	69.67%	81.58%	87.71%
Effective Tax Rate	24.64%	30.20%	88.21%	24.92%	7.13%	26.33%	27.00%	31.19%	17.69%	18.89%	26.09%
Return on Invested Capital (ROIC)	6.71%	10.65%	0.71%	6.40%	5.81%	4.66%	6.99%	6.45%	8.33%	11.54%	11.41%
ROIC Less NNEP Spread (ROIC-NNEP)	5.37%	7.32%	-0.04%	1.91%	0.42%	1.63%	4.36%	6.66%	1.81%	5.62%	8.83%
Return on Net Nonoperating Assets (RNNOA)	7.11%	7.74%	-0.04%	1.20%	0.34%	1.56%	3.44%	5.21%	1.32%	3.24%	3.99%
Return on Equity (ROE)	13.83%	18.38%	0.68%	7.60%	6.16%	6.22%	10.43%	11.66%	9.65%	14.78%	15.40%
Cash Return on Invested Capital (CROIC)	1.12%	14.32%	3.74%	-6.53%	-35.18%	12.76%	7.34%	7.85%	6.49%	14.57%	11.05%
Operating Return on Assets (OROA)	8.07%	11.62%	4.36%	6.13%	4.62%	4.32%	6.37%	7.77%	6.37%	9.49%	11.41%
Return on Assets (ROA)	4.47%	6.68%	0.27%	3.46%	2.49%	2.19%	3.90%	4.46%	3.65%	6.28%	7.39%
Return on Common Equity (ROCE)	13.83%	18.38%	0.68%	7.60%	6.16%	6.22%	10.43%	11.66%	9.65%	14.78%	15.40%
Return on Equity Simple (ROE_SIMPLE)	13.06%	17.16%	0.67%	6.58%	5.93%	6.02%	10.27%	11.92%	9.18%	14.26%	0.00%
Net Operating Profit after Tax (NOPAT)	96	154	9.97	95	115	107	153	140	181	250	244
NOPAT Margin	9.22%	15.35%	0.97%	9.36%	9.13%	8.24%	11.18%	9.86%	12.49%	15.68%	13.86%
Net Nonoperating Expense Percent (NNEP)	1.34%	3.33%	0.75%	4.50%	5.39%	3.03%	2.63%	-0.20%	6.52%	5.92%	2.58%
Return On Investment Capital (ROIC_SIMPLE)	-	-	-	-	-	-	-	6.14%	7.68%	10.64%	10.44%
Cost of Revenue to Revenue	45.15%	44.24%	44.16%	42.62%	49.07%	48.09%	46.61%	48.95%	49.51%	49.66%	51.01%
SG&A Expenses to Revenue	8.36%	11.30%	14.94%	10.64%	10.75%	11.78%	9.03%	8.03%	8.07%	7.43%	8.11%
R&D to Revenue	13.95%	16.89%	13.37%	14.22%	11.65%	10.76%	10.53%	10.29%	9.69%	9.20%	9.52%
Operating Expenses to Revenue	42.61%	33.77%	47.58%	44.91%	41.09%	40.73%	38.07%	36.71%	35.31%	31.01%	30.24%
Earnings before Interest and Taxes (EBIT)	154	225	82	122	124	144	209	247	212	307	350
Earnings before Interest, Taxes, Depreciation and Amortization (EBITDA)	258	334	189	224	267	312	357	390	350	431	458
Valuation Ratios	-	-	-	-	-	-	-	-	-	-	-
Price to Book Value (P/BV)	3.87	2.82	3.52	3.06	3.88	3.72	3.28	2.17	2.51	3.82	3.24
Price to Tangible Book Value (P/TBV)	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	77.78
Price to Revenue (P/Rev)	2.42	2.12	2.62	3.18	3.48	3.47	2.98	1.82	2.29	3.42	2.80
Price to Earnings (P/E)	29.62	16.43	523.50	46.56	65.30	61.76	31.92	18.18	27.38	26.81	21.74
Dividend Yield	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%
Earnings Yield	3.38%	6.08%	0.19%	2.15%	1.53%	1.62%	3.13%	5.50%	3.65%	3.73%	4.60%
Enterprise Value to Invested Capital (EV/IC)	2.27	1.97	2.39	2.38	2.36	2.49	2.30	1.64	1.91	2.89	2.59
Enterprise Value to Revenue (EV/Rev)	3.21	2.78	3.23	3.70	4.48	4.23	3.67	2.50	2.89	3.86	3.15
Enterprise Value to EBITDA (EV/EBITDA)	12.99	8.37	17.53	16.65	21.10	17.54	14.06	9.10	11.99	14.29	12.11
Enterprise Value to EBIT (EV/EBIT)	21.72	12.42	40.28	30.55	45.31	38.13	24.08	14.35	19.82	20.05	15.87
Enterprise Value to NOPAT (EV/NOPAT)	34.77	18.12	331.25	39.48	49.00	51.36	32.79	25.31	23.16	24.62	22.76
Enterprise Value to Operating Cash Flow (EV/OCF)	17.83	28.02	22.60	20.29	42.47	17.39	22.78	24.76	24.93	17.15	17.19
Enterprise Value to Free Cash Flow (EV/FCFF)	207.74	13.47	63.01	0.00	0.00	18.75	31.20	20.80	29.70	19.50	23.50
Leverage & Solvency	-	-	-	-	-	-	-	-	-	-	-
Debt to Equity	1.41	0.99	0.90	0.64	1.22	0.96	0.86	0.91	0.78	0.65	0.54
Long-Term Debt to Equity	1.28	0.87	0.87	0.62	1.19	0.93	0.82	0.86	0.73	0.62	0.51
Financial Leverage	1.32	1.06	0.85	0.63	0.81	0.96	0.79	0.78	0.73	0.58	0.45
Leverage Ratio	3.10	2.75	2.48	2.20	2.47	2.84	2.67	2.61	2.64	2.35	2.08
Compound Leverage Factor	2.27	2.27	1.32	1.65	1.44	1.95	2.24	2.18	1.84	1.92	1.83
Debt to Total Capital	58.54%	49.63%	47.28%	39.06%	54.86%	48.91%	46.13%	47.74%	43.94%	39.36%	34.99%
Short-Term Debt to Total Capital	5.68%	6.03%	1.23%	1.21%	1.36%	1.45%	1.99%	2.87%	3.15%	1.49%	1.75%
Long-Term Debt to Total Capital	52.86%	43.61%	46.05%	37.85%	53.49%	47.46%	44.14%	44.87%	40.79%	37.88%	33.24%
Preferred Equity to Total Capital	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%
Noncontrolling Interests to Total Capital	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%
Common Equity to Total Capital	41.46%	50.37%	52.72%	60.94%	45.14%	51.09%	53.87%	52.26%	56.06%	60.64%	65.01%
Debt to EBITDA	3.58	2.23	3.64	3.00	5.14	3.70	2.98	2.79	2.96	2.15	1.78
Net Debt to EBITDA	3.19	2.00	3.27	2.33	4.69	3.17	2.64	2.47	2.49	1.64	1.36
Long-Term Debt to EBITDA	3.23	1.96	3.54	2.90	5.02	3.59	2.86	2.63	2.75	2.07	1.69
Debt to NOPAT	9.58	4.82	68.75	7.11	11.95	10.83	6.96	7.77	5.72	3.70	3.35
Net Debt to NOPAT	8.52	4.33	61.76	5.54	10.89	9.28	6.16	6.88	4.82	2.83	2.55
Long-Term Debt to NOPAT	8.65	4.23	66.96	6.89	11.65	10.51	6.66	7.30	5.31	3.56	3.19
Altman Z-Score	2.23	2.45	2.64	3.18	2.26	2.26	2.50	2.12	2.26	3.80	3.77
Noncontrolling Interest Sharing Ratio	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%
Liquidity Ratios	-	-	-	-	-	-	-	-	-	-	-
Current Ratio	0.99	1.08	1.31	1.91	1.50	1.28	1.24	1.30	1.36	1.64	1.54
Quick Ratio	0.84	0.91	1.03	1.67	0.79	0.56	0.59	0.62	0.59	1.05	0.91
Cash Flow Metrics	-	-	-	-	-	-	-	-	-	-	-
Free Cash Flow to Firm (FCFF)	16	208	52	-96	-695	292	161	171	141	315	236
Operating Cash Flow to CapEx	689.05%	244.61%	568.48%	1,007.02%	574.07%	1,768.68%	1,071.19%	1,094.26%	1,888.36%	2,329.23%	2,501.21%
Free Cash Flow to Firm to Interest Expense	0.39	5.17	1.34	-2.32	-10.86	5.16	3.57	3.21	1.80	4.35	4.08
Operating Cash Flow to Interest Expense	4.54	2.48	3.75	4.43	2.07	5.56	4.89	2.70	2.15	4.95	5.58
Operating Cash Flow Less CapEx to Interest Expense	3.88	1.47	3.09	3.99	1.71	5.25	4.44	2.45	2.03	4.74	5.36
Efficiency Ratios	-	-	-	-	-	-	-	-	-	-	-
Asset Turnover	0.55	0.52	0.54	0.51	0.47	0.39	0.42	0.45	0.44	0.49	0.57
Accounts Receivable Turnover	4.69	4.13	3.86	3.31	3.56	3.69	4.13	3.93	3.39	3.68	4.09
Inventory Turnover	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00
Fixed Asset Turnover	17.29	14.41	12.87	13.20	17.59	19.16	21.45	24.61	32.15	43.72	48.59
Accounts Payable Turnover	8.93	9.05	11.66	11.58	16.12	15.91	15.48	15.59	15.31	17.33	16.27
Days Sales Outstanding (DSO)	77.86	88.42	94.62	110.43	102.60	98.99	88.32	92.95	107.56	99.22	89.21
Days Inventory Outstanding (DIO)	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00
Days Payable Outstanding (DPO)	40.87	40.32	31.31	31.52	22.64	22.94	23.58	23.42	23.84	21.06	22.44
Cash Conversion Cycle (CCC)	36.99	48.11	63.31	78.92	79.95	76.06	64.74	69.53	83.72	78.15	66.78
Capital & Investment Metrics	-	-	-	-	-	-	-	-	-	-	-
Invested Capital	1,476	1,423	1,381	1,571	2,382	2,196	2,188	2,158	2,198	2,133	2,140
Invested Capital Turnover	0.73	0.69	0.73	0.68	0.64	0.57	0.63	0.65	0.67	0.74	0.82
Increase / (Decrease) in Invested Capital	80	-53	-42	191	810	-185	-7.77	-30	40	-66	7.71
Enterprise Value (EV)	3,353	2,797	3,304	3,732	5,631	5,477	5,023	3,549	4,201	6,153	5,550
Market Capitalization	2,531	2,129	2,688	3,209	4,379	4,487	4,080	2,585	3,327	5,445	4,929
Book Value per Share	$5.53	$6.44	$6.45	$9.04	$9.77	$10.33	$10.59	$10.62	$12.18	$13.58	$14.74
Tangible Book Value per Share	($6.37)	($4.64)	($4.15)	($1.44)	($6.42)	($5.07)	($4.05)	($3.48)	($1.89)	($0.57)	$0.61
Total Capital	1,579	1,499	1,450	1,720	2,503	2,362	2,311	2,283	2,362	2,349	2,337
Total Debt	924	744	686	672	1,373	1,155	1,066	1,090	1,038	925	818
Total Long-Term Debt	834	654	668	651	1,339	1,121	1,020	1,024	964	890	777
Net Debt	822	668	616	523	1,252	990	944	965	874	708	621
Capital Expenditures (CapEx)	27	41	26	18	23	18	21	13	8.92	15	13
Debt-free, Cash-free Net Working Capital (DFCFNWC)	-15	46	48	142	221	118	107	197	280	207	228
Debt-free Net Working Capital (DFNWC)	87	122	118	291	343	284	229	321	444	423	424
Net Working Capital (NWC)	-2.36	32	100	270	308	249	183	256	369	388	383
Net Nonoperating Expense (NNE)	11	25	4.84	26	48	34	25	-1.93	60	47	17
Net Nonoperating Obligations (NNO)	822	668	616	523	1,252	990	944	965	874	708	621
Total Depreciation and Amortization (D&A)	104	109	107	102	143	169	149	143	138	124	109
Debt-free, Cash-free Net Working Capital to Revenue	-1.42%	4.59%	4.70%	14.07%	17.58%	9.13%	7.81%	13.82%	19.25%	12.97%	12.95%
Debt-free Net Working Capital to Revenue	8.35%	12.13%	11.50%	28.78%	27.23%	21.91%	16.72%	22.61%	30.55%	26.54%	24.12%
Net Working Capital to Revenue	-0.23%	3.14%	9.77%	26.72%	24.51%	19.26%	13.37%	18.00%	25.43%	24.35%	21.79%
Earnings Adjustments	-	-	-	-	-	-	-	-	-	-	-
Adjusted Basic Earnings per Share	$0.00	$0.00	$0.00	$0.00	$0.00	$0.00	$1.09	$1.25	$1.12	$1.93	$2.18
Adjusted Weighted Average Basic Shares Outstanding	0.00	0.00	0.00	0.00	0.00	0.00	117.41M	113.70M	108.50M	105.49M	103.96M
Adjusted Diluted Earnings per Share	$0.00	$0.00	$0.00	$0.00	$0.00	$0.00	$1.08	$1.24	$1.12	$1.91	$2.16
Adjusted Weighted Average Diluted Shares Outstanding	0.00	0.00	0.00	0.00	0.00	0.00	118.65M	114.24M	108.86M	106.49M	104.81M
Adjusted Basic & Diluted Earnings per Share	$0.00	$0.00	$0.00	$0.00	$0.00	$0.00	$0.00	$0.00	$0.00	$0.00	$0.00
Adjusted Weighted Average Basic & Diluted Shares Outstanding	0.00	0.00	0.00	0.00	0.00	0.00	115.06M	108.11M	106.41M	105.34M	101.72M
Normalized Net Operating Profit after Tax (NOPAT)	96	49	59	95	115	107	153	140	181	250	244
Normalized NOPAT Margin	9.22%	4.84%	5.78%	9.36%	9.13%	8.24%	11.18%	9.86%	12.49%	15.68%	13.86%
Pre Tax Income Margin	10.84%	18.45%	4.25%	9.09%	5.74%	7.62%	12.77%	14.53%	10.16%	15.71%	17.43%
Debt Service Ratios	-	-	-	-	-	-	-	-	-	-	-
EBIT to Interest Expense	3.73	5.61	2.10	2.94	1.94	2.54	4.63	4.65	2.70	4.24	6.04
NOPAT to Interest Expense	2.33	3.84	0.26	2.28	1.79	1.88	3.40	2.64	2.31	3.45	4.22
EBIT Less CapEx to Interest Expense	3.07	4.59	1.44	2.50	1.58	2.22	4.17	4.40	2.59	4.02	5.82
NOPAT Less CapEx to Interest Expense	1.67	2.83	-0.40	1.84	1.43	1.57	2.94	2.39	2.20	3.24	3.99
Payout Ratios	-	-	-	-	-	-	-	-	-	-	-
Dividend Payout Ratio	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%
Augmented Payout Ratio	5.44%	48.68%	728.08%	79.12%	53.11%	39.75%	84.03%	145.27%	22.70%	62.86%	89.40%

This table displays calculated financial ratios and metrics derived from ACI Worldwide's official financial filings.

Metric	Q3 2023	Q4 2023	Q1 2024	Q2 2024	Q3 2024	Q4 2024	Q1 2025	Q2 2025	Q3 2025	Q4 2025	Q1 2026
Period end date	9/30/2023	12/31/2023	3/31/2024	6/30/2024	9/30/2024	12/31/2024	3/31/2025	6/30/2025	9/30/2025	12/31/2025	3/31/2026
DEI Shares Outstanding	-	-	-	-	-	-	-	-	-	-	101,719,981.00
DEI Adjusted Shares Outstanding	-	-	-	-	-	-	-	-	-	-	101,719,981.00
DEI Earnings Per Adjusted Shares Outstanding	-	-	-	-	-	-	-	-	-	-	0.38
Growth Metrics	-	-	-	-	-	-	-	-	-	-	-
Revenue Growth	18.40%	5.48%	9.09%	15.51%	24.44%	-4.94%	24.85%	7.44%	6.78%	6.30%	7.90%
EBITDA Growth	19.70%	11.75%	403.62%	99.08%	60.95%	-25.88%	182.88%	-35.01%	-0.03%	-8.54%	-20.34%
EBIT Growth	39.91%	16.69%	127.16%	753.41%	93.25%	-27.85%	991.65%	-48.11%	6.15%	-10.70%	-28.25%
NOPAT Growth	2,001.64%	36.37%	139.26%	458.37%	84.95%	-20.27%	618.58%	-42.12%	6.03%	-35.32%	-9.18%
Net Income Growth	64.00%	35.90%	76.01%	560.31%	114.78%	-19.62%	859.51%	-60.49%	12.06%	-34.72%	-34.93%
EPS Growth	75.00%	43.04%	76.67%	583.33%	120.00%	-18.58%	885.71%	-58.62%	14.29%	-33.70%	-32.73%
Operating Cash Flow Growth	-26.13%	107.03%	207.58%	215.46%	113.76%	47.51%	-36.53%	-9.49%	35.24%	-3.72%	-17.86%
Free Cash Flow Firm Growth	-118.65%	-25.82%	-68.81%	-22.95%	827.45%	80.07%	75.00%	-83.62%	21.14%	-63.98%	-110.49%
Invested Capital Growth	2.96%	1.85%	-0.77%	-0.88%	0.61%	-2.98%	0.38%	0.67%	0.08%	0.36%	2.28%
Revenue Q/Q Growth	12.28%	31.28%	-33.69%	18.18%	20.96%	0.28%	-12.91%	1.70%	20.21%	-0.16%	-11.60%
EBITDA Q/Q Growth	125.98%	108.54%	-80.91%	121.32%	82.70%	-3.97%	-27.15%	-49.15%	181.01%	-12.14%	-36.55%
EBIT Q/Q Growth	880.21%	170.14%	-95.57%	628.03%	121.96%	0.85%	-33.02%	-65.39%	354.09%	-15.16%	-46.19%
NOPAT Q/Q Growth	583.18%	172.50%	-95.12%	514.44%	126.29%	17.48%	-56.01%	-50.51%	314.53%	-28.34%	-38.23%
Net Income Q/Q Growth	664.99%	223.43%	-106.32%	498.49%	163.63%	21.03%	-40.27%	-79.27%	647.83%	-29.49%	-40.46%
EPS Q/Q Growth	683.33%	222.86%	-106.19%	514.29%	165.52%	19.48%	-40.22%	-78.18%	633.33%	-30.68%	-39.34%
Operating Cash Flow Q/Q Growth	44.87%	239.36%	43.73%	-55.36%	-1.83%	134.19%	-38.16%	-36.34%	46.67%	66.73%	-47.24%
Free Cash Flow Firm Q/Q Growth	-114.23%	982.29%	-76.42%	160.20%	34.36%	118.40%	-77.08%	-75.64%	893.43%	-35.06%	-106.68%
Invested Capital Q/Q Growth	1.27%	3.05%	-4.90%	-0.12%	2.79%	-0.63%	-1.60%	0.16%	2.18%	-0.35%	0.28%
Profitability Metrics	-	-	-	-	-	-	-	-	-	-	-
Gross Margin	51.07%	61.88%	39.53%	45.58%	56.31%	55.83%	45.92%	41.48%	53.74%	53.00%	46.34%
EBITDA Margin	26.75%	42.49%	12.23%	22.90%	34.59%	33.13%	27.71%	13.85%	32.39%	28.50%	20.45%
Operating Margin	17.06%	36.16%	3.03%	14.38%	27.14%	26.99%	14.83%	8.69%	26.48%	22.60%	13.50%
EBIT Margin	17.36%	35.72%	2.38%	14.69%	26.95%	27.11%	20.85%	7.09%	26.80%	22.77%	13.86%
Profit (Net Income) Margin	10.44%	25.73%	-2.45%	8.27%	18.02%	21.75%	14.92%	3.04%	18.92%	13.36%	9.00%
Tax Burden Percent	81.24%	79.56%	103.82%	76.57%	75.90%	89.39%	82.18%	68.27%	77.25%	64.96%	75.97%
Interest Burden Percent	74.06%	90.55%	-99.08%	73.53%	88.10%	89.79%	87.09%	62.79%	91.39%	90.31%	85.44%
Effective Tax Rate	18.76%	20.44%	0.00%	23.43%	24.10%	10.61%	17.82%	31.73%	22.75%	35.04%	24.03%
Return on Invested Capital (ROIC)	9.41%	19.18%	1.49%	8.03%	15.57%	17.77%	9.73%	4.82%	16.49%	12.09%	8.66%
ROIC Less NNEP Spread (ROIC-NNEP)	8.03%	17.61%	-0.14%	6.88%	14.24%	16.41%	11.22%	3.33%	15.50%	11.14%	7.81%
Return on Net Nonoperating Assets (RNNOA)	5.99%	12.86%	-0.10%	5.10%	9.74%	9.44%	5.94%	1.97%	8.19%	5.03%	3.30%
Return on Equity (ROE)	15.40%	32.05%	1.39%	13.13%	25.32%	27.21%	15.67%	6.79%	24.68%	17.12%	11.96%
Cash Return on Invested Capital (CROIC)	3.66%	6.49%	10.43%	12.03%	12.32%	14.57%	13.57%	12.53%	13.05%	11.05%	8.93%
Operating Return on Assets (OROA)	7.60%	15.59%	1.12%	6.98%	13.74%	13.36%	10.72%	3.71%	14.84%	13.07%	7.87%
Return on Assets (ROA)	4.58%	11.23%	-1.15%	3.93%	9.19%	10.72%	7.68%	1.59%	10.47%	7.67%	5.11%
Return on Common Equity (ROCE)	15.40%	32.05%	1.39%	13.13%	25.32%	27.21%	15.67%	6.79%	24.68%	17.12%	11.96%
Return on Equity Simple (ROE_SIMPLE)	7.36%	0.00%	11.62%	14.85%	17.09%	0.00%	18.19%	0.00%	0.00%	0.00%	0.00%
Net Operating Profit after Tax (NOPAT)	50	137	6.69	41	93	109	48	24	99	71	44
NOPAT Margin	13.86%	28.77%	2.12%	11.01%	20.60%	24.13%	12.19%	5.93%	20.45%	14.68%	10.26%
Net Nonoperating Expense Percent (NNEP)	1.38%	1.57%	1.63%	1.15%	1.34%	1.36%	-1.49%	1.49%	1.00%	0.96%	0.85%
Return On Investment Capital (ROIC_SIMPLE)	-	5.80%	-	-	-	4.65%	2.07%	1.04%	4.20%	3.03%	1.89%
Cost of Revenue to Revenue	48.93%	38.12%	60.47%	54.42%	43.69%	44.17%	54.08%	58.52%	46.26%	47.00%	53.66%
SG&A Expenses to Revenue	8.21%	5.14%	8.23%	6.69%	7.52%	7.38%	6.99%	9.38%	7.07%	9.00%	9.45%
R&D to Revenue	9.29%	7.27%	11.07%	9.48%	8.34%	8.52%	9.86%	10.24%	8.82%	9.34%	10.36%
Operating Expenses to Revenue	34.01%	25.72%	36.50%	31.20%	29.18%	28.84%	31.09%	32.80%	27.27%	30.41%	32.84%
Earnings before Interest and Taxes (EBIT)	63	170	7.54	55	122	123	82	28	129	110	59
Earnings before Interest, Taxes, Depreciation and Amortization (EBITDA)	97	202	39	86	156	150	109	56	156	137	87
Valuation Ratios	-	-	-	-	-	-	-	-	-	-	-
Price to Book Value (P/BV)	2.02	2.51	2.81	3.38	4.01	3.82	3.89	3.46	3.68	3.24	2.78
Price to Tangible Book Value (P/TBV)	0.00	0.00	0.00	0.00	0.00	0.00	475.49	0.00	244.76	77.78	74.35
Price to Revenue (P/Rev)	1.72	2.29	2.39	2.73	3.29	3.42	3.45	2.83	3.15	2.80	2.33
Price to Earnings (P/E)	27.49	27.38	24.19	22.73	23.45	26.81	21.36	19.18	20.87	21.74	20.24
Dividend Yield	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%
Earnings Yield	3.64%	3.65%	4.13%	4.40%	4.26%	3.73%	4.68%	5.21%	4.79%	4.60%	4.94%
Enterprise Value to Invested Capital (EV/IC)	1.58	1.91	2.09	2.41	2.86	2.89	3.04	2.63	2.85	2.59	2.24
Enterprise Value to Revenue (EV/Rev)	2.36	2.89	2.95	3.29	3.80	3.86	3.81	3.25	3.53	3.15	2.69
Enterprise Value to EBITDA (EV/EBITDA)	10.25	11.99	11.46	11.86	12.72	14.29	12.73	11.72	12.98	12.11	11.04
Enterprise Value to EBIT (EV/EBIT)	17.98	19.82	17.67	17.00	17.34	20.05	16.71	15.55	16.85	15.87	14.76
Enterprise Value to NOPAT (EV/NOPAT)	24.39	23.16	21.55	21.49	22.22	24.62	21.82	19.97	21.70	22.76	20.29
Enterprise Value to Operating Cash Flow (EV/OCF)	27.15	24.93	17.35	17.37	19.32	17.15	20.33	17.91	18.67	17.19	15.60
Enterprise Value to Free Cash Flow (EV/FCFF)	43.82	29.70	19.95	19.92	23.31	19.50	22.44	21.04	21.83	23.50	25.41
Leverage & Solvency	-	-	-	-	-	-	-	-	-	-	-
Debt to Equity	0.88	0.78	0.81	0.82	0.75	0.65	0.57	0.64	0.59	0.54	0.54
Long-Term Debt to Equity	0.82	0.73	0.78	0.79	0.72	0.62	0.55	0.62	0.56	0.51	0.51
Financial Leverage	0.75	0.73	0.73	0.74	0.68	0.58	0.53	0.59	0.53	0.45	0.42
Leverage Ratio	2.71	2.64	2.60	2.67	2.50	2.35	2.37	2.47	2.23	2.08	2.11
Compound Leverage Factor	2.00	2.39	-2.58	1.96	2.20	2.11	2.07	1.55	2.03	1.88	1.81
Debt to Total Capital	46.71%	43.94%	44.72%	44.91%	42.79%	39.36%	36.33%	39.19%	36.98%	34.99%	34.98%
Short-Term Debt to Total Capital	3.27%	3.15%	1.53%	1.55%	1.50%	1.49%	1.50%	1.79%	1.74%	1.75%	1.77%
Long-Term Debt to Total Capital	43.44%	40.79%	43.18%	43.35%	41.28%	37.88%	34.83%	37.40%	35.23%	33.24%	33.21%
Preferred Equity to Total Capital	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%
Noncontrolling Interests to Total Capital	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%
Common Equity to Total Capital	53.29%	56.06%	55.28%	55.10%	57.21%	60.64%	63.67%	60.81%	63.02%	65.01%	65.02%
Debt to EBITDA	3.23	2.96	2.67	2.38	2.06	2.15	1.69	1.91	1.84	1.78	1.85
Net Debt to EBITDA	2.80	2.49	2.19	2.01	1.69	1.64	1.23	1.50	1.42	1.36	1.48
Long-Term Debt to EBITDA	3.00	2.75	2.58	2.30	1.99	2.07	1.62	1.82	1.75	1.69	1.76
Debt to NOPAT	7.68	5.72	5.02	4.31	3.60	3.70	2.89	3.25	3.08	3.35	3.40
Net Debt to NOPAT	6.67	4.82	4.11	3.64	2.95	2.83	2.11	2.56	2.37	2.55	2.72
Long-Term Debt to NOPAT	7.14	5.31	4.84	4.16	3.47	3.56	2.77	3.10	2.93	3.19	3.23
Altman Z-Score	1.87	2.22	2.21	2.40	3.30	3.60	3.49	3.11	3.57	3.52	3.19
Noncontrolling Interest Sharing Ratio	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%
Liquidity Ratios	-	-	-	-	-	-	-	-	-	-	-
Current Ratio	1.30	1.36	1.37	1.32	1.56	1.64	1.50	1.48	1.58	1.54	1.53
Quick Ratio	0.54	0.59	0.56	0.50	0.86	1.05	0.77	0.76	0.90	0.91	0.84
Cash Flow Metrics	-	-	-	-	-	-	-	-	-	-	-
Free Cash Flow to Firm (FCFF)	-11	97	23	60	80	175	40	9.76	97	63	-4.21
Operating Cash Flow to CapEx	747.51%	8,857.75%	3,841.68%	3,151.03%	1,539.13%	1,822.77%	3,604.65%	2,309.69%	2,145.65%	2,352.23%	2,139.43%
Free Cash Flow to Firm to Interest Expense	-0.55	4.89	1.20	3.23	4.36	10.51	2.73	0.67	6.55	4.56	-0.34
Operating Cash Flow to Interest Expense	1.27	4.32	6.48	2.98	2.94	7.60	5.33	3.43	4.93	8.81	5.27
Operating Cash Flow Less CapEx to Interest Expense	1.10	4.27	6.31	2.88	2.75	7.19	5.18	3.28	4.70	8.43	5.02
Efficiency Ratios	-	-	-	-	-	-	-	-	-	-	-
Asset Turnover	0.44	0.44	0.47	0.48	0.51	0.49	0.51	0.52	0.55	0.57	0.57
Accounts Receivable Turnover	4.24	3.39	4.30	4.25	4.07	3.68	4.58	4.43	3.91	4.09	4.25
Inventory Turnover	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00
Fixed Asset Turnover	29.93	32.15	34.70	38.26	44.61	43.72	47.36	49.92	53.46	48.59	50.28
Accounts Payable Turnover	18.09	15.31	16.00	15.55	17.41	17.33	16.82	15.82	16.89	16.27	15.96
Days Sales Outstanding (DSO)	86.03	107.56	84.89	85.85	89.71	99.22	79.77	82.35	93.30	89.21	85.89
Days Inventory Outstanding (DIO)	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00
Days Payable Outstanding (DPO)	20.18	23.84	22.81	23.47	20.97	21.06	21.70	23.07	21.61	22.44	22.87
Cash Conversion Cycle (CCC)	65.85	83.72	62.08	62.37	68.74	78.15	58.07	59.28	71.69	66.78	63.03
Capital & Investment Metrics	-	-	-	-	-	-	-	-	-	-	-
Invested Capital	2,133	2,198	2,090	2,088	2,146	2,133	2,098	2,102	2,148	2,140	2,146
Invested Capital Turnover	0.68	0.67	0.70	0.73	0.76	0.74	0.80	0.81	0.81	0.82	0.84
Increase / (Decrease) in Invested Capital	61	40	-16	-18	13	-66	8.01	14	1.66	7.71	48
Enterprise Value (EV)	3,372	4,201	4,367	5,025	6,143	6,153	6,379	5,524	6,114	5,550	4,817
Market Capitalization	2,450	3,327	3,534	4,174	5,327	5,445	5,763	4,816	5,445	4,929	4,172
Book Value per Share	$11.15	$12.18	$11.81	$11.73	$12.70	$13.58	$14.08	$13.28	$14.33	$14.74	$14.75
Tangible Book Value per Share	($2.98)	($1.89)	($2.52)	($2.54)	($1.52)	($0.57)	$0.12	($0.74)	$0.22	$0.61	$0.55
Total Capital	2,273	2,362	2,274	2,245	2,324	2,349	2,328	2,292	2,347	2,337	2,308
Total Debt	1,062	1,038	1,017	1,008	994	925	846	898	868	818	807
Total Long-Term Debt	987	964	982	973	959	890	811	857	827	777	766
Net Debt	922	874	833	851	816	708	616	708	669	621	646
Capital Expenditures (CapEx)	3.38	0.97	3.21	1.75	3.51	6.94	2.17	2.16	3.40	5.18	3.00
Debt-free, Cash-free Net Working Capital (DFCFNWC)	216	280	201	215	245	207	209	221	268	228	273
Debt-free Net Working Capital (DFNWC)	355	444	385	372	423	423	439	411	467	424	435
Net Working Capital (NWC)	281	369	350	337	388	388	404	370	426	383	394
Net Nonoperating Expense (NNE)	12	14	14	10	12	11	-11	12	7.40	6.36	5.37
Net Nonoperating Obligations (NNO)	922	874	833	851	816	708	616	708	669	621	646
Total Depreciation and Amortization (D&A)	34	32	31	31	35	27	27	27	27	28	28
Debt-free, Cash-free Net Working Capital to Revenue	15.12%	19.25%	13.61%	14.06%	15.17%	12.97%	12.50%	13.02%	15.49%	12.95%	15.23%
Debt-free Net Working Capital to Revenue	24.89%	30.55%	26.01%	24.33%	26.16%	26.54%	26.25%	24.17%	27.00%	24.12%	24.27%
Net Working Capital to Revenue	19.69%	25.43%	23.65%	22.05%	24.00%	24.35%	24.16%	21.76%	24.63%	21.79%	21.98%
Earnings Adjustments	-	-	-	-	-	-	-	-	-	-	-
Adjusted Basic Earnings per Share	$0.35	$1.13	($0.07)	$0.29	$0.78	$0.93	$0.56	$0.12	$0.88	$0.62	$0.38
Adjusted Weighted Average Basic Shares Outstanding	108.67M	108.50M	106.80M	105.40M	104.77M	105.49M	105.35M	104.38M	103.25M	103.96M	101.92M
Adjusted Diluted Earnings per Share	$0.35	$1.13	($0.07)	$0.29	$0.77	$0.92	$0.55	$0.12	$0.88	$0.61	$0.37
Adjusted Weighted Average Diluted Shares Outstanding	108.93M	108.86M	106.80M	106.17M	106.02M	106.49M	106.83M	105.10M	103.90M	104.81M	102.84M
Adjusted Basic & Diluted Earnings per Share	$0.00	$0.00	$0.00	$0.00	$0.00	$0.00	$0.00	$0.00	$0.00	$0.00	$0.00
Adjusted Weighted Average Basic & Diluted Shares Outstanding	108.72M	106.41M	105.44M	104.66M	104.89M	105.34M	104.90M	103.19M	103.09M	101.72M	101.66M
Normalized Net Operating Profit after Tax (NOPAT)	50	137	6.69	41	93	109	48	24	99	71	44
Normalized NOPAT Margin	13.86%	28.77%	2.12%	11.01%	20.60%	24.13%	12.19%	5.93%	20.45%	14.68%	10.26%
Pre Tax Income Margin	12.85%	32.34%	-2.36%	10.80%	23.75%	24.34%	18.16%	4.45%	24.49%	20.56%	11.84%
Debt Service Ratios	-	-	-	-	-	-	-	-	-	-	-
EBIT to Interest Expense	3.18	8.58	0.40	2.97	6.63	7.38	5.60	1.96	8.73	7.93	4.84
NOPAT to Interest Expense	2.54	6.91	0.35	2.23	5.07	6.57	3.28	1.64	6.66	5.11	3.58
EBIT Less CapEx to Interest Expense	3.01	8.53	0.23	2.88	6.44	6.97	5.45	1.81	8.50	7.56	4.59
NOPAT Less CapEx to Interest Expense	2.37	6.86	0.18	2.13	4.88	6.15	3.13	1.49	6.43	4.74	3.33
Payout Ratios	-	-	-	-	-	-	-	-	-	-	-
Dividend Payout Ratio	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%
Augmented Payout Ratio	129.71%	22.70%	61.69%	80.18%	68.34%	62.86%	29.50%	56.47%	57.51%	89.40%	123.01%

Financials Breakdown Chart

Key Financial Trends

Here is a concise four-year trend snapshot for ACI Worldwide (ACIW) based on the provided quarterly statements (Q1–Q4 2025 and prior periods). The focus is on identifying notable shifts in revenue, profitability, cash flow, and balance-sheet strength that may interest retail investors.

Revenue growth in 2025. Operating revenue rose from 394,565,000 in Q1 2025 to 481,600,000 in Q4 2025 (a roughly 22% increase from Q1 to Q4).
Positive cash flow from operations in all recent quarters. Net cash from continuing operating activities ranged from about 49.8 million (Q2 2025) to 121.8 million (Q4 2025), with other recent quarters also generating solid CFO (Q1 2025: 78.2 million; Q3 2025: 73.0 million).
Positive free cash flow in each of the last four quarters. Free cash flow (CFO minus capex) was approximately 76 million (Q1 2025), 47–48 million (Q2 2025), 69–70 million (Q3 2025), and about 116–117 million (Q4 2025).
Healthy liquidity on the balance sheet. Cash & equivalents consistently around 190–230 million in 2025 quarters; total assets around 3.0–3.16 billion; balance sheet shows solid liquidity to support operations and potential strategic moves.
Solid equity base and growing common equity. Total Common Equity sits around 1.47–1.49 billion, indicating a strong, growing equity base to support future financing needs or shareholder returns.
Earnings per share (diluted) generally positive across the year. Diluted EPS values in 2025 include 0.55 (Q1), 0.12 (Q2), 0.88 (Q3), and 0.61 (Q4), signaling ongoing profitability per share across quarters.
Consistent net income in 2025's four quarters. Net income attributable to common shareholders was positive in each quarter (Q1 2025: ~58.9m; Q2 2025: ~12.2m; Q3 2025: ~91.3m; Q4 2025: ~64.3m).

Expense mix remains sizable but stable. Selling, general, and admin (SGA), marketing, and R&D expenses run in the tens of millions per quarter (for example, in Q4 2025: SGA ~43.37m, marketing ~33.44m, R&D ~44.96m), representing a meaningful and consistent portion of revenue (roughly a quarter of annualized revenue in that quarter).
Debt levels are noticeable but historically manageable. Long-term debt sits in the low-to-mid $0.8 billions range over 2025 (roughly 0.83–0.86 billion), with interest expense in the low-to-mid teens of millions each quarter, requiring ongoing attention to debt servicing and capital allocation decisions.

Operating income margin trend shows compression. Total Operating Income declined from about 172.3 million in Q4 2022 to about 108.8–109.0 million in Q4 2025, signaling margin pressure even as revenue advanced.
Financing activities have been a continued cash outflow. Net cash from financing activities was negative in several 2025 quarters (for example, Q4 2025 around -101.4 million; Q3 2025 around -105.7 million; Q2 2025 around -114.2 million; Q1 2025 around -153.5 million), indicating ongoing financing-related cash outflows that investors may want to watch.
Equity repurchases and debt-related outflows contribute to cash burn. Share repurchases and debt-related transactions contributed to the negative net cash from financing activities in multiple quarters, which can impact liquidity and future capital-allocation options.

05/21/26 01:38 AM ETAI Generated. May Contain Errors.

ACI Worldwide Financials - Frequently Asked Questions

According to the most recent income statement we have on file, ACI Worldwide's financial year ends in December. Their financial year 2025 ended on December 31, 2025.

ACI Worldwide's net income appears to be on an upward trend, with a most recent value of $226.66 million in 2025, rising from $85.44 million in 2015. The previous period was $203.12 million in 2024. See ACI Worldwide's forecast for analyst expectations on what's next for the company.

ACI Worldwide's total operating income in 2025 was $329.91 million, based on the following breakdown:

Total Gross Profit: $862.13 million
Total Operating Expenses: $532.22 million

Over the last 10 years, ACI Worldwide's total revenue changed from $1.05 billion in 2015 to $1.76 billion in 2025, a change of 68.2%.

ACI Worldwide's total liabilities were at $1.59 billion at the end of 2025, a 0.9% decrease from 2024, and a 20.0% increase since 2015.

In the past 10 years, ACI Worldwide's cash and equivalents has ranged from $69.71 million in 2017 to $216.39 million in 2024, and is currently $196.46 million as of their latest financial filing in 2025.

Over the last 10 years, ACI Worldwide's book value per share changed from 5.53 in 2015 to 14.74 in 2025, a change of 166.3%.

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Financial statements for NASDAQ:ACIW last updated on 5/8/2026 by MarketBeat.com Staff. New filings and market data are monitored continuously.

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ACI Worldwide (ACIW) Financials

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