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ACI Worldwide (ACIW) Financials

ACI Worldwide logo
$52.17 +0.04 (+0.08%)
Closing price 04:00 PM Eastern
Extended Trading
$52.58 +0.41 (+0.79%)
As of 07:07 PM Eastern
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Annual Income Statements for ACI Worldwide

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

Quarterly Income Statements for ACI Worldwide

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 Q4 2023 Q1 2024 Q2 2024 Q3 2024 Q4 2024 Q1 2025 Q2 2025 Q3 2025 Q4 2025 Q1 2026 Q2 2026
Period end date 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 6/30/2026
Net Income / (Loss) Attributable to Common Shareholders		 123 -7.75 31 81 99 59 12 91 64 38 32
Consolidated Net Income / (Loss)		 123 -7.75 31 81 99 59 12 91 64 38 32
Net Income / (Loss) Continuing Operations		 123 -7.75 31 81 99 59 12 91 64 38 32
Total Pre-Tax Income 		154 -7.47 40 107 110 72 18 118 99 50 39
Total Operating Income		 172 9.56 54 123 122 59 35 128 109 57 45
Total Gross Profit		 295 125 170 254 253 181 166 259 255 197 182
Total Revenue		 477 316 373 452 453 395 401 482 482 426 430
Operating Revenue		 477 316 373 452 453 395 401 482 482 426 430
Total Cost of Revenue		 182 191 203 197 200 213 235 223 226 228 249
Operating Cost of Revenue		 182 191 203 197 200 213 235 223 226 228 249
Total Operating Expenses		 123 115 117 132 131 123 132 132 146 140 137
Selling, General & Admin Expense		 25 26 25 34 33 28 38 34 43 40 34
Marketing Expense		 34 27 29 29 34 32 29 31 33 30 31
Research & Development Expense		 35 35 35 38 39 39 41 43 45 44 48
Depreciation Expense		 29 28 28 32 24 24 24 24 25 25 24
Total Other Income / (Expense), net		 -18 -17 -13 -15 -12 13 -17 -9.58 -9.80 -7.07 -5.73
Interest Expense		 20 19 18 18 17 15 15 15 14 12 12
Interest & Investment Income		 3.76 4.01 3.95 3.87 4.09 4.06 3.93 3.68 3.20 3.61 5.59
Other Income / (Expense), net		 -2.11 -2.03 1.16 -0.82 0.51 24 -6.39 1.55 0.83 1.53 0.66
Income Tax Expense		 32 0.29 9.45 26 12 13 5.67 27 35 12 7.13
Basic Earnings per Share		 $1.13 ($0.07) $0.29 $0.78 $0.93 $0.56 $0.12 $0.88 $0.62 $0.38 $0.31
Weighted Average Basic Shares Outstanding		 108.50M 106.80M 105.40M 104.77M 105.49M 105.35M 104.38M 103.25M 103.96M 101.92M 101.50M
Diluted Earnings per Share		 $1.13 ($0.07) $0.29 $0.77 $0.92 $0.55 $0.12 $0.88 $0.61 $0.37 $0.31
Weighted Average Diluted Shares Outstanding		 108.86M 106.80M 106.17M 106.02M 106.49M 106.83M 105.10M 103.90M 104.81M 102.84M 101.68M
Weighted Average Basic & Diluted Shares Outstanding		 106.41M 105.44M 104.66M 104.89M 105.34M 104.90M 103.19M 103.09M 101.72M 101.66M 100.96M

Annual Cash Flow Statements for ACI Worldwide

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

Quarterly Cash Flow Statements for ACI Worldwide

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 Q4 2023 Q1 2024 Q2 2024 Q3 2024 Q4 2024 Q1 2025 Q2 2025 Q3 2025 Q4 2025 Q1 2026 Q2 2026
Period end date 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 6/30/2026
Net Change in Cash & Equivalents		 15 -0.73 -14 45 -3.65 102 -68 -46 5.59 -17 -18
Net Cash From Operating Activities		 86 123 55 54 126 78 50 73 122 64 71
Net Cash From Continuing Operating Activities		 86 123 55 54 126 78 50 73 122 64 71
Net Income / (Loss) Continuing Operations		 123 -7.75 31 81 99 59 12 91 64 38 32
Consolidated Net Income / (Loss)		 123 -7.75 31 81 99 59 12 91 64 38 32
Depreciation Expense		 5.02 3.63 3.56 7.80 3.16 3.16 3.19 3.18 3.31 3.40 3.60
Amortization Expense		 27 27 27 27 24 24 24 24 24 25 23
Non-Cash Adjustments To Reconcile Net Income		 6.76 6.79 9.96 14 13 -15 18 19 25 16 19
Changes in Operating Assets and Liabilities, net		 -76 93 -17 -76 -12 7.30 -7.54 -64 4.51 -18 -6.81
Net Cash From Investing Activities		 -7.25 -18 -6.19 -7.66 -13 37 -7.54 -9.91 -12 -15 -14
Net Cash From Continuing Investing Activities		 -7.25 -18 -6.19 -7.66 -13 37 -7.54 -9.91 -12 -15 -14
Purchase of Property, Plant & Equipment		 -0.97 -3.21 -1.75 -3.51 -6.94 -2.17 -2.16 -3.40 -5.18 -3.00 -6.85
Acquisitions		 -6.28 -15 -4.44 -4.15 -6.47 -6.76 -5.38 -6.50 -1.80 -12 -6.86
Net Cash From Financing Activities		 -64 -108 -62 -0.17 -118 -15 -114 -106 -101 -64 -72
Net Cash From Continuing Financing Activities		 -64 -108 -62 -0.17 -118 -15 -114 -106 -101 -64 -72
Repayment of Debt		 -88 -689 -15 -35 108 -84 -446 -32 230 -29 -18
Repurchase of Common Equity		 -28 -63 -57 -8.00 - -14 -119 -16 -53 -65 -41
Issuance of Debt		 59 664 - 20 -184 0.00 490 - -290 15 25
Issuance of Common Equity		 0.70 0.69 0.70 0.73 0.79 0.81 0.82 0.87 0.91 0.91 0.86
Other Financing Activities, net		 -8.12 -22 10 22 -43 82 -40 -58 9.89 14 -39
Effect of Exchange Rate Changes		 0.57 2.31 -1.02 -1.62 1.03 1.79 4.12 -2.97 -2.36 -2.42 -2.71
Cash Interest Paid		 13 24 12 24 10 20 16 15 13 12 12
Cash Income Taxes Paid		 22 2.52 12 8.46 25 13 20 12 45 5.36 34

Annual Balance Sheets for ACI Worldwide

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

Quarterly Balance Sheets for ACI Worldwide

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 Q1 2023 Q2 2023 Q3 2023 Q1 2024 Q2 2024 Q3 2024 Q1 2025 Q2 2025 Q3 2025 Q1 2026 Q2 2026
Period end date 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 6/30/2026
Total Assets		 3,007 3,069 3,255 3,300 3,365 3,093 3,203 3,138 3,161 3,105 3,095
Total Current Assets		 954 1,029 1,227 1,299 1,381 1,086 1,209 1,145 1,164 1,133 1,144
Cash & Equivalents		 142 132 140 183 157 178 230 190 199 162 167
Accounts Receivable		 343 350 371 345 369 425 386 398 461 457 459
Prepaid Expenses		 34 36 32 34 30 32 36 37 33 36 44
Other Current Assets		 435 510 684 736 825 451 557 520 470 479 474
Plant, Property, & Equipment, net		 48 45 41 37 35 31 34 33 33 38 38
Total Noncurrent Assets		 2,004 1,995 1,987 1,965 1,949 1,976 1,961 1,960 1,964 1,934 1,913
Noncurrent Note & Lease Receivables		 270 269 279 290 290 339 354 346 363 369 358
Goodwill		 1,226 1,226 1,226 1,226 1,226 1,226 1,226 1,226 1,226 1,231 1,231
Intangible Assets		 340 327 308 299 279 263 244 245 231 214 204
Noncurrent Deferred & Refundable Income Taxes		 63 74 75 56 61 65 77 81 84 66 69
Other Noncurrent Operating Assets		 104 99 98 93 92 84 60 63 60 54 51
Total Liabilities & Shareholders' Equity		 3,007 3,069 3,255 3,300 3,365 3,093 3,203 3,138 3,161 3,105 3,095
Total Liabilities		 1,839 1,896 2,044 2,043 2,128 1,763 1,721 1,745 1,682 1,604 1,599
Total Current Liabilities		 701 782 946 949 1,044 697 805 775 737 739 723
Short-Term Debt		 70 74 74 35 35 35 35 41 41 41 41
Accounts Payable		 47 48 41 44 49 48 53 58 55 62 66
Current Deferred Revenue		 70 69 61 77 73 69 72 72 65 79 76
Current Employee Benefit Liabilities		 30 41 42 27 33 43 31 41 47 32 38
Other Current Liabilities		 483 549 727 766 854 503 614 563 528 526 502
Total Noncurrent Liabilities		 1,138 1,114 1,098 1,094 1,084 1,066 916 970 945 865 875
Long-Term Debt		 1,011 992 987 982 973 959 811 857 827 766 781
Noncurrent Deferred Revenue		 22 25 23 20 19 19 18 18 15 13 13
Noncurrent Deferred & Payable Income Tax Liabilities		 39 37 34 39 41 38 41 42 50 38 37
Other Noncurrent Operating Liabilities		 67 61 54 53 50 49 46 53 53 48 44
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		 1,168 1,173 1,211 1,257 1,237 1,330 1,483 1,393 1,479 1,501 1,497
Total Preferred & Common Equity		 1,168 1,173 1,211 1,257 1,237 1,330 1,483 1,393 1,479 1,501 1,497
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		 1,168 1,173 1,211 1,257 1,237 1,330 1,483 1,393 1,479 1,501 1,497
Common Stock		 702 705 709 716 719 726 736 734 746 773 763
Retained Earnings		 1,241 1,234 1,272 1,387 1,418 1,500 1,657 1,669 1,760 1,863 1,895
Treasury Stock		 -661 -656 -653 -734 -787 -791 -797 -911 -924 -1,027 -1,053
Accumulated Other Comprehensive Income / (Loss)		 -114 -111 -117 -112 -114 -105 -114 -99 -103 -108 -108

Annual Metrics And Ratios for ACI Worldwide

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%

Quarterly Metrics And Ratios for ACI Worldwide

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

Metric Q4 2023 Q1 2024 Q2 2024 Q3 2024 Q4 2024 Q1 2025 Q2 2025 Q3 2025 Q4 2025 Q1 2026 Q2 2026
Period end date 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 6/30/2026
DEI Shares Outstanding		 - - - - - - - - - 101,719,981.00 101,661,570.00
DEI Adjusted Shares Outstanding		 - - - - - - - - - 101,719,981.00 101,661,570.00
DEI Earnings Per Adjusted Shares Outstanding		 - - - - - - - - - 0.38 0.31
Growth Metrics		 - - - - - - - - - - -
Revenue Growth		 5.48% 9.09% 15.51% 24.44% -4.94% 24.85% 7.44% 6.78% 6.30% 7.90% 7.27%
EBITDA Growth		 11.75% 403.62% 99.08% 60.95% -25.88% 182.88% -35.01% -0.03% -8.54% -20.34% 29.58%
EBIT Growth		 16.69% 127.16% 753.41% 93.25% -27.85% 991.65% -48.11% 6.15% -10.70% -28.25% 59.18%
NOPAT Growth		 36.37% 139.26% 458.37% 84.95% -20.27% 618.58% -42.12% 6.03% -35.32% -9.18% 53.26%
Net Income Growth		 35.90% 76.01% 560.31% 114.78% -19.62% 859.51% -60.49% 12.06% -34.72% -34.93% 160.60%
EPS Growth		 43.04% 76.67% 583.33% 120.00% -18.58% 885.71% -58.62% 14.29% -33.70% -32.73% 158.33%
Operating Cash Flow Growth		 107.03% 207.58% 215.46% 113.76% 47.51% -36.53% -9.49% 35.24% -3.72% -17.86% 42.16%
Free Cash Flow Firm Growth		 -25.82% -68.81% -22.95% 827.45% 80.07% 75.00% -83.62% 21.14% -63.98% -110.49% -235.47%
Invested Capital Growth		 1.85% -0.77% -0.88% 0.61% -2.98% 0.38% 0.67% 0.08% 0.36% 2.28% 2.36%
Revenue Q/Q Growth		 31.28% -33.69% 18.18% 20.96% 0.28% -12.91% 1.70% 20.21% -0.16% -11.60% 1.10%
EBITDA Q/Q Growth		 108.54% -80.91% 121.32% 82.70% -3.97% -27.15% -49.15% 181.01% -12.14% -36.55% -17.28%
EBIT Q/Q Growth		 170.14% -95.57% 628.03% 121.96% 0.85% -33.02% -65.39% 354.09% -15.16% -46.19% -23.22%
NOPAT Q/Q Growth		 172.50% -95.12% 514.44% 126.29% 17.48% -56.01% -50.51% 314.53% -28.34% -38.23% -16.48%
Net Income Q/Q Growth		 223.43% -106.32% 498.49% 163.63% 21.03% -40.27% -79.27% 647.83% -29.49% -40.46% -16.99%
EPS Q/Q Growth		 222.86% -106.19% 514.29% 165.52% 19.48% -40.22% -78.18% 633.33% -30.68% -39.34% -16.22%
Operating Cash Flow Q/Q Growth		 239.36% 43.73% -55.36% -1.83% 134.19% -38.16% -36.34% 46.67% 66.73% -47.24% 10.18%
Free Cash Flow Firm Q/Q Growth		 982.29% -76.42% 160.20% 34.36% 118.40% -77.08% -75.64% 893.43% -35.06% -106.68% -214.45%
Invested Capital Q/Q Growth		 3.05% -4.90% -0.12% 2.79% -0.63% -1.60% 0.16% 2.18% -0.35% 0.28% 0.24%
Profitability Metrics		 - - - - - - - - - - -
Gross Margin		 61.88% 39.53% 45.58% 56.31% 55.83% 45.92% 41.48% 53.74% 53.00% 46.34% 42.18%
EBITDA Margin		 42.49% 12.23% 22.90% 34.59% 33.13% 27.71% 13.85% 32.39% 28.50% 20.45% 16.74%
Operating Margin		 36.16% 3.03% 14.38% 27.14% 26.99% 14.83% 8.69% 26.48% 22.60% 13.50% 10.37%
EBIT Margin		 35.72% 2.38% 14.69% 26.95% 27.11% 20.85% 7.09% 26.80% 22.77% 13.86% 10.53%
Profit (Net Income) Margin		 25.73% -2.45% 8.27% 18.02% 21.75% 14.92% 3.04% 18.92% 13.36% 9.00% 7.39%
Tax Burden Percent		 79.56% 103.82% 76.57% 75.90% 89.39% 82.18% 68.27% 77.25% 64.96% 75.97% 81.69%
Interest Burden Percent		 90.55% -99.08% 73.53% 88.10% 89.79% 87.09% 62.79% 91.39% 90.31% 85.44% 85.90%
Effective Tax Rate		 20.44% 0.00% 23.43% 24.10% 10.61% 17.82% 31.73% 22.75% 35.04% 24.03% 18.31%
Return on Invested Capital (ROIC)		 19.18% 1.49% 8.03% 15.57% 17.77% 9.73% 4.82% 16.49% 12.09% 8.66% 7.25%
ROIC Less NNEP Spread (ROIC-NNEP)		 17.61% -0.14% 6.88% 14.24% 16.41% 11.22% 3.33% 15.50% 11.14% 7.81% 6.57%
Return on Net Nonoperating Assets (RNNOA)		 12.86% -0.10% 5.10% 9.74% 9.44% 5.94% 1.97% 8.19% 5.03% 3.30% 3.10%
Return on Equity (ROE)		 32.05% 1.39% 13.13% 25.32% 27.21% 15.67% 6.79% 24.68% 17.12% 11.96% 10.35%
Cash Return on Invested Capital (CROIC)		 6.49% 10.43% 12.03% 12.32% 14.57% 13.57% 12.53% 13.05% 11.05% 8.93% 9.39%
Operating Return on Assets (OROA)		 15.59% 1.12% 6.98% 13.74% 13.36% 10.72% 3.71% 14.84% 13.07% 7.87% 6.15%
Return on Assets (ROA)		 11.23% -1.15% 3.93% 9.19% 10.72% 7.68% 1.59% 10.47% 7.67% 5.11% 4.31%
Return on Common Equity (ROCE)		 32.05% 1.39% 13.13% 25.32% 27.21% 15.67% 6.79% 24.68% 17.12% 11.96% 10.35%
Return on Equity Simple (ROE_SIMPLE)		 0.00% 11.62% 14.85% 17.09% 0.00% 18.19% 0.00% 0.00% 0.00% 0.00% 0.00%
Net Operating Profit after Tax (NOPAT)		 137 6.69 41 93 109 48 24 99 71 44 36
NOPAT Margin		 28.77% 2.12% 11.01% 20.60% 24.13% 12.19% 5.93% 20.45% 14.68% 10.26% 8.47%
Net Nonoperating Expense Percent (NNEP)		 1.57% 1.63% 1.15% 1.34% 1.36% -1.49% 1.49% 1.00% 0.96% 0.85% 0.69%
Return On Investment Capital (ROIC_SIMPLE)		 5.80% - - - 4.65% 2.07% 1.04% 4.20% 3.03% 1.89% 1.57%
Cost of Revenue to Revenue		 38.12% 60.47% 54.42% 43.69% 44.17% 54.08% 58.52% 46.26% 47.00% 53.66% 57.82%
SG&A Expenses to Revenue		 5.14% 8.23% 6.69% 7.52% 7.38% 6.99% 9.38% 7.07% 9.00% 9.45% 8.01%
R&D to Revenue		 7.27% 11.07% 9.48% 8.34% 8.52% 9.86% 10.24% 8.82% 9.34% 10.36% 11.13%
Operating Expenses to Revenue		 25.72% 36.50% 31.20% 29.18% 28.84% 31.09% 32.80% 27.27% 30.41% 32.84% 31.81%
Earnings before Interest and Taxes (EBIT)		 170 7.54 55 122 123 82 28 129 110 59 45
Earnings before Interest, Taxes, Depreciation and Amortization (EBITDA)		 202 39 86 156 150 109 56 156 137 87 72
Valuation Ratios		 - - - - - - - - - - -
Price to Book Value (P/BV)		 2.51 2.81 3.38 4.01 3.82 3.89 3.46 3.68 3.24 2.78 3.42
Price to Tangible Book Value (P/TBV)		 0.00 0.00 0.00 0.00 0.00 475.49 0.00 244.76 77.78 74.35 82.85
Price to Revenue (P/Rev)		 2.29 2.39 2.73 3.29 3.42 3.45 2.83 3.15 2.80 2.33 2.81
Price to Earnings (P/E)		 27.38 24.19 22.73 23.45 26.81 21.36 19.18 20.87 21.74 20.24 22.65
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		 3.65% 4.13% 4.40% 4.26% 3.73% 4.68% 5.21% 4.79% 4.60% 4.94% 4.41%
Enterprise Value to Invested Capital (EV/IC)		 1.91 2.09 2.41 2.86 2.89 3.04 2.63 2.85 2.59 2.24 2.68
Enterprise Value to Revenue (EV/Rev)		 2.89 2.95 3.29 3.80 3.86 3.81 3.25 3.53 3.15 2.69 3.17
Enterprise Value to EBITDA (EV/EBITDA)		 11.99 11.46 11.86 12.72 14.29 12.73 11.72 12.98 12.11 11.04 12.74
Enterprise Value to EBIT (EV/EBIT)		 19.82 17.67 17.00 17.34 20.05 16.71 15.55 16.85 15.87 14.76 16.80
Enterprise Value to NOPAT (EV/NOPAT)		 23.16 21.55 21.49 22.22 24.62 21.82 19.97 21.70 22.76 20.29 23.13
Enterprise Value to Operating Cash Flow (EV/OCF)		 24.93 17.35 17.37 19.32 17.15 20.33 17.91 18.67 17.19 15.60 17.48
Enterprise Value to Free Cash Flow (EV/FCFF)		 29.70 19.95 19.92 23.31 19.50 22.44 21.04 21.83 23.50 25.41 28.88
Leverage & Solvency		 - - - - - - - - - - -
Debt to Equity		 0.78 0.81 0.82 0.75 0.65 0.57 0.64 0.59 0.54 0.54 0.55
Long-Term Debt to Equity		 0.73 0.78 0.79 0.72 0.62 0.55 0.62 0.56 0.51 0.51 0.52
Financial Leverage		 0.73 0.73 0.74 0.68 0.58 0.53 0.59 0.53 0.45 0.42 0.47
Leverage Ratio		 2.64 2.60 2.67 2.50 2.35 2.37 2.47 2.23 2.08 2.11 2.16
Compound Leverage Factor		 2.39 -2.58 1.96 2.20 2.11 2.07 1.55 2.03 1.88 1.81 1.85
Debt to Total Capital		 43.94% 44.72% 44.91% 42.79% 39.36% 36.33% 39.19% 36.98% 34.99% 34.98% 35.46%
Short-Term Debt to Total Capital		 3.15% 1.53% 1.55% 1.50% 1.49% 1.50% 1.79% 1.74% 1.75% 1.77% 1.77%
Long-Term Debt to Total Capital		 40.79% 43.18% 43.35% 41.28% 37.88% 34.83% 37.40% 35.23% 33.24% 33.21% 33.69%
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		 56.06% 55.28% 55.10% 57.21% 60.64% 63.67% 60.81% 63.02% 65.01% 65.02% 64.54%
Debt to EBITDA		 2.96 2.67 2.38 2.06 2.15 1.69 1.91 1.84 1.78 1.85 1.82
Net Debt to EBITDA		 2.49 2.19 2.01 1.69 1.64 1.23 1.50 1.42 1.36 1.48 1.45
Long-Term Debt to EBITDA		 2.75 2.58 2.30 1.99 2.07 1.62 1.82 1.75 1.69 1.76 1.73
Debt to NOPAT		 5.72 5.02 4.31 3.60 3.70 2.89 3.25 3.08 3.35 3.40 3.30
Net Debt to NOPAT		 4.82 4.11 3.64 2.95 2.83 2.11 2.56 2.37 2.55 2.72 2.63
Long-Term Debt to NOPAT		 5.31 4.84 4.16 3.47 3.56 2.77 3.10 2.93 3.19 3.23 3.13
Altman Z-Score		 2.22 2.21 2.40 3.30 3.60 3.49 3.11 3.57 3.52 3.19 3.58
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		 1.36 1.37 1.32 1.56 1.64 1.50 1.48 1.58 1.54 1.53 1.58
Quick Ratio		 0.59 0.56 0.50 0.86 1.05 0.77 0.76 0.90 0.91 0.84 0.87
Cash Flow Metrics		 - - - - - - - - - - -
Free Cash Flow to Firm (FCFF)		 97 23 60 80 175 40 9.76 97 63 -4.21 -13
Operating Cash Flow to CapEx		 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% 1,033.11%
Free Cash Flow to Firm to Interest Expense		 4.89 1.20 3.23 4.36 10.51 2.73 0.67 6.55 4.56 -0.34 -1.10
Operating Cash Flow to Interest Expense		 4.32 6.48 2.98 2.94 7.60 5.33 3.43 4.93 8.81 5.27 5.91
Operating Cash Flow Less CapEx to Interest Expense		 4.27 6.31 2.88 2.75 7.19 5.18 3.28 4.70 8.43 5.02 5.34
Efficiency Ratios		 - - - - - - - - - - -
Asset Turnover		 0.44 0.47 0.48 0.51 0.49 0.51 0.52 0.55 0.57 0.57 0.58
Accounts Receivable Turnover		 3.39 4.30 4.25 4.07 3.68 4.58 4.43 3.91 4.09 4.25 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		 32.15 34.70 38.26 44.61 43.72 47.36 49.92 53.46 48.59 50.28 51.10
Accounts Payable Turnover		 15.31 16.00 15.55 17.41 17.33 16.82 15.82 16.89 16.27 15.96 14.88
Days Sales Outstanding (DSO)		 107.56 84.89 85.85 89.71 99.22 79.77 82.35 93.30 89.21 85.89 85.97
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)		 23.84 22.81 23.47 20.97 21.06 21.70 23.07 21.61 22.44 22.87 24.52
Cash Conversion Cycle (CCC)		 83.72 62.08 62.37 68.74 78.15 58.07 59.28 71.69 66.78 63.03 61.45
Capital & Investment Metrics		 - - - - - - - - - - -
Invested Capital		 2,198 2,090 2,088 2,146 2,133 2,098 2,102 2,148 2,140 2,146 2,152
Invested Capital Turnover		 0.67 0.70 0.73 0.76 0.74 0.80 0.81 0.81 0.82 0.84 0.86
Increase / (Decrease) in Invested Capital		 40 -16 -18 13 -66 8.01 14 1.66 7.71 48 50
Enterprise Value (EV)		 4,201 4,367 5,025 6,143 6,153 6,379 5,524 6,114 5,550 4,817 5,767
Market Capitalization		 3,327 3,534 4,174 5,327 5,445 5,763 4,816 5,445 4,929 4,172 5,113
Book Value per Share		 $12.18 $11.81 $11.73 $12.70 $13.58 $14.08 $13.28 $14.33 $14.74 $14.75 $14.72
Tangible Book Value per Share		 ($1.89) ($2.52) ($2.54) ($1.52) ($0.57) $0.12 ($0.74) $0.22 $0.61 $0.55 $0.61
Total Capital		 2,362 2,274 2,245 2,324 2,349 2,328 2,292 2,347 2,337 2,308 2,319
Total Debt		 1,038 1,017 1,008 994 925 846 898 868 818 807 822
Total Long-Term Debt		 964 982 973 959 890 811 857 827 777 766 781
Net Debt		 874 833 851 816 708 616 708 669 621 646 655
Capital Expenditures (CapEx)		 0.97 3.21 1.75 3.51 6.94 2.17 2.16 3.40 5.18 3.00 6.85
Debt-free, Cash-free Net Working Capital (DFCFNWC)		 280 201 215 245 207 209 221 268 228 273 295
Debt-free Net Working Capital (DFNWC)		 444 385 372 423 423 439 411 467 424 435 462
Net Working Capital (NWC)		 369 350 337 388 388 404 370 426 383 394 421
Net Nonoperating Expense (NNE)		 14 14 10 12 11 -11 12 7.40 6.36 5.37 4.68
Net Nonoperating Obligations (NNO)		 874 833 851 816 708 616 708 669 621 646 655
Total Depreciation and Amortization (D&A)		 32 31 31 35 27 27 27 27 28 28 27
Debt-free, Cash-free Net Working Capital to Revenue		 19.25% 13.61% 14.06% 15.17% 12.97% 12.50% 13.02% 15.49% 12.95% 15.23% 16.19%
Debt-free Net Working Capital to Revenue		 30.55% 26.01% 24.33% 26.16% 26.54% 26.25% 24.17% 27.00% 24.12% 24.27% 25.38%
Net Working Capital to Revenue		 25.43% 23.65% 22.05% 24.00% 24.35% 24.16% 21.76% 24.63% 21.79% 21.98% 23.13%
Earnings Adjustments		 - - - - - - - - - - -
Adjusted Basic Earnings per Share		 $1.13 ($0.07) $0.29 $0.78 $0.93 $0.56 $0.12 $0.88 $0.62 $0.38 $0.31
Adjusted Weighted Average Basic Shares Outstanding		 108.50M 106.80M 105.40M 104.77M 105.49M 105.35M 104.38M 103.25M 103.96M 101.92M 101.50M
Adjusted Diluted Earnings per Share		 $1.13 ($0.07) $0.29 $0.77 $0.92 $0.55 $0.12 $0.88 $0.61 $0.37 $0.31
Adjusted Weighted Average Diluted Shares Outstanding		 108.86M 106.80M 106.17M 106.02M 106.49M 106.83M 105.10M 103.90M 104.81M 102.84M 101.68M
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		 106.41M 105.44M 104.66M 104.89M 105.34M 104.90M 103.19M 103.09M 101.72M 101.66M 100.96M
Normalized Net Operating Profit after Tax (NOPAT)		 137 6.69 41 93 109 48 24 99 71 44 36
Normalized NOPAT Margin		 28.77% 2.12% 11.01% 20.60% 24.13% 12.19% 5.93% 20.45% 14.68% 10.26% 8.47%
Pre Tax Income Margin		 32.34% -2.36% 10.80% 23.75% 24.34% 18.16% 4.45% 24.49% 20.56% 11.84% 9.04%
Debt Service Ratios		 - - - - - - - - - - -
EBIT to Interest Expense		 8.58 0.40 2.97 6.63 7.38 5.60 1.96 8.73 7.93 4.84 3.78
NOPAT to Interest Expense		 6.91 0.35 2.23 5.07 6.57 3.28 1.64 6.66 5.11 3.58 3.04
EBIT Less CapEx to Interest Expense		 8.53 0.23 2.88 6.44 6.97 5.45 1.81 8.50 7.56 4.59 3.21
NOPAT Less CapEx to Interest Expense		 6.86 0.18 2.13 4.88 6.15 3.13 1.49 6.43 4.74 3.33 2.47
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		 22.70% 61.69% 80.18% 68.34% 62.86% 29.50% 56.47% 57.51% 89.40% 123.01% 77.82%

Financials Breakdown Chart

Key Financial Trends

ACI Worldwide’s latest quarter showed a clear rebound in profitability, but the balance sheet still carries meaningful leverage. In Q1 2026, revenue rose to $425.7 million and net income was $38.3 million, up from $12.2 million in Q2 2025 and $64.3 million in Q4 2025. On a year-over-year basis, quarterly revenue also improved versus Q1 2025, while margins held up reasonably well despite higher operating costs.

Profitability and operating performance appear to have improved over the past year. Operating income reached $57.5 million in Q1 2026, compared with $34.9 million in Q2 2025 and $122.3 million in the strong Q4 2025 period. Gross profit margin in Q1 2026 was about 46.3%, versus 41.5% in Q2 2025, suggesting better revenue quality and/or improved cost control relative to earlier quarters.

Cash generation remains solid, but less consistent quarter to quarter. ACI Worldwide generated $64.2 million in operating cash flow in Q1 2026, down from $121.8 million in Q4 2025 but well above the $49.8 million posted in Q2 2025. The company also remains free-cash-flow positive after modest capital spending, though acquisitions and debt service continue to consume cash.

The balance sheet is more leveraged than cash-rich. As of Q1 2026, ACI Worldwide had $161.8 million in cash and equivalents versus $807.4 million of total debt, including $40.9 million short-term and $766.4 million long-term. Total liabilities were $1.60 billion against $1.50 billion of common equity, which suggests a debt-heavy capital structure that investors should watch closely.

Some balance-sheet trends are positive. Long-term debt declined from $959.4 million in Q3 2025 to $766.4 million in Q1 2026, reflecting meaningful deleveraging over the last two quarters. Retained earnings also continued to rise, reaching $1.86 billion in Q1 2026 versus $1.66 billion in Q2 2025, signaling continued earnings accumulation.

  • Revenue increased to $425.7 million in Q1 2026, up from $394.6 million in Q1 2025.
  • Net income improved to $38.3 million in Q1 2026, versus a loss of $7.8 million in Q1 2024 and $12.2 million in Q2 2025.
  • Operating cash flow was positive at $64.2 million in Q1 2026.
  • Gross margin improved versus earlier 2025 quarters, indicating better profitability.
  • Long-term debt fell materially from late-2025 levels, improving the debt profile.
  • Goodwill remains large at $1.23 billion, reflecting prior acquisitions.
  • Intangible assets and note/lease receivables still represent a sizable portion of assets.
  • The company continued repurchasing shares, which supports EPS but uses cash.
  • Total debt remains high at about $807 million, leaving leverage elevated.
  • Other current liabilities are very large at $525.5 million, creating a heavy current obligation base.

Bottom line: ACI Worldwide’s recent results suggest improving operations and decent cash generation, but the investment case still depends on sustained margin strength and continued debt reduction. For retail investors, the key positives are the rebound in earnings and cash flow; the main risk is the still-levered balance sheet.

08/18/26 07:07 PM 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 8/6/2026 by MarketBeat.com Staff. New filings and market data are monitored continuously.
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