ACIW · Aci Worldwide, Inc. - Financials
Annual line items from SEC XBRL filings, sourced from EDGAR's Company Facts API with fallback to the quarterly Financial Statement Data Sets. See issuer overview for Form 4 activity and 10-K signals.
Income Statement
| Line item | Q1 '26 | Q4 '25 | Q3 '25 | Q2 '25 | Q1 '25 | Q4 '24 | Q3 '24 | Q2 '24 | Q1 '24 | Q4 '23 |
|---|---|---|---|---|---|---|---|---|---|---|
| Revenue | $425.75M | - | $482.36M | $401.26M | $394.56M | - | $451.75M | $373.48M | $316.02M | - |
| Cost of Revenue | $228.46M | - | $223.14M | $234.80M | $213.38M | - | $197.35M | $203.24M | $191.11M | - |
| Gross Profit | $197.29M | - | $259.22M | $166.46M | $181.19M | - | $254.40M | $170.24M | $124.91M | - |
| R&D | - | - | - | - | - | - | - | - | - | - |
| SG&A | $40.22M | - | $34.10M | $37.65M | $27.59M | - | $33.95M | $24.99M | $26.00M | - |
| Total Operating Expenses | $368.26M | - | $354.65M | $366.40M | $336.05M | - | $329.17M | $319.78M | $306.46M | - |
| D&A | $25.26M | - | $24.14M | $24.10M | $23.98M | - | $31.52M | $27.59M | $27.61M | - |
| Operating Income | $57.49M | - | $127.71M | $34.86M | $58.52M | - | $122.59M | $53.70M | $9.56M | - |
| Interest Expense | $12.20M | - | $14.81M | $18.47M | $19.01M | - | $18.36M | $18.47M | $19.01M | - |
| Income Tax | $12.12M | - | $26.87M | $5.67M | $12.77M | - | $25.85M | $9.45M | $285.0K | - |
| Net Income | $38.31M | - | $91.25M | $12.20M | $58.87M | - | $81.43M | $30.89M | ($7.75M) | - |
| EPS - Basic | $0.38 | - | $0.88 | $0.12 | $0.56 | - | $0.78 | $0.29 | ($0.07) | - |
| EPS - Diluted | $0.37 | - | $0.88 | $0.12 | $0.55 | - | $0.77 | $0.29 | ($0.07) | - |
Balance Sheet
| Line item | Q1 '26 | Q4 '25 | Q3 '25 | Q2 '25 | Q1 '25 | Q4 '24 | Q3 '24 | Q2 '24 | Q1 '24 | Q4 '23 |
|---|---|---|---|---|---|---|---|---|---|---|
| Cash & Equivalents | $161.76M | $196.46M | $199.27M | $189.70M | $230.06M | $216.39M | $177.86M | $156.98M | $183.39M | $164.24M |
| Accounts Receivable | $456.83M | $445.87M | $460.53M | $398.16M | $386.08M | $414.40M | $424.52M | $369.17M | $345.13M | $452.34M |
| Inventory | - | - | - | - | - | - | - | - | - | - |
| Accounts Payable | $61.84M | $64.93M | $55.28M | $58.08M | $52.52M | $45.42M | $47.91M | $48.80M | $44.29M | $45.96M |
| Current Assets | $1.13B | $1.09B | $1.16B | $1.14B | $1.21B | $990.82M | $1.09B | $1.38B | $1.30B | $1.41B |
| Total Assets | $3.10B | $3.10B | $3.16B | $3.14B | $3.20B | $3.03B | $3.09B | $3.36B | $3.30B | $3.44B |
| Current Liabilities | $739.38M | $705.64M | $737.10M | $774.62M | $804.51M | $602.63M | $697.29M | $1.04B | $948.82M | $1.04B |
| Long-term Debt | $766.44M | $776.67M | $826.89M | $857.11M | $810.91M | $889.65M | $959.39M | $973.12M | $981.85M | $963.60M |
| Total Liabilities | $1.60B | $1.59B | $1.68B | $1.74B | $1.72B | $1.60B | $1.76B | $2.13B | $2.04B | $2.12B |
| Stockholders' Equity | $1.50B | $1.52B | $1.48B | $1.39B | $1.48B | $1.42B | $1.33B | $1.24B | $1.26B | $1.32B |
| Retained Earnings | $1.86B | $1.82B | $1.76B | $1.67B | $1.66B | $1.60B | $1.50B | $1.42B | $1.39B | $1.39B |
Cash Flow
| Line item | Q1 '26 | Q4 '25 | Q3 '25 | Q2 '25 | Q1 '25 | Q4 '24 | Q3 '24 | Q2 '24 | Q1 '24 | Q4 '23 |
|---|---|---|---|---|---|---|---|---|---|---|
| Operating Cash Flow | $64.25M | - | - | - | $78.22M | - | - | - | $123.24M | - |
| Investing Cash Flow | ($14.51M) | - | - | - | $37.09M | - | - | - | ($17.79M) | - |
| Financing Cash Flow | ($64.19M) | - | - | - | ($15.35M) | - | - | - | ($108.49M) | - |
| CapEx | $3.00M | - | - | - | $2.17M | - | - | - | $3.21M | - |
| Free Cash Flow | $61.24M | - | - | - | $76.05M | - | - | - | $120.03M | - |
Ratios
| Metric | Q1 '26 | Q4 '25 | Q3 '25 | Q2 '25 | Q1 '25 | Q4 '24 | Q3 '24 | Q2 '24 | Q1 '24 | Q4 '23 |
|---|---|---|---|---|---|---|---|---|---|---|
| Profitability | ||||||||||
| Gross margin | 46.3% | - | 53.7% | 41.5% | 45.9% | - | 56.3% | 45.6% | 39.5% | - |
| Operating margin | 13.5% | - | 26.5% | 8.7% | 14.8% | - | 27.1% | 14.4% | 3.0% | - |
| EBITDA margin | 19.4% | - | 31.5% | 14.7% | 20.9% | - | 34.1% | 21.8% | 11.8% | - |
| Net margin | 9.0% | - | 18.9% | 3.0% | 14.9% | - | 18.0% | 8.3% | -2.5% | - |
| Free cash flow margin | 14.4% | - | - | - | 19.3% | - | - | - | 38.0% | - |
| FCF / Net income | 1.60 | - | - | - | 1.29 | - | - | - | -15.49 | - |
| R&D / Revenue | - | - | - | - | - | - | - | - | - | - |
| SG&A / Revenue | 9.4% | - | 7.1% | 9.4% | 7.0% | - | 7.5% | 6.7% | 8.2% | - |
| Effective tax rate | 24.0% | - | 22.7% | 31.7% | 17.8% | - | 24.1% | 23.4% | - | - |
| Return on assets | 1.2% | - | 2.9% | 0.4% | 1.8% | - | 2.6% | 0.9% | -0.2% | - |
| Return on equity | 2.6% | - | 6.2% | 0.9% | 4.0% | - | 6.1% | 2.5% | -0.6% | - |
| Return on invested capital | 1.9% | - | 4.3% | 1.1% | 2.1% | - | 4.1% | 1.9% | 0.3% | - |
| Liquidity | ||||||||||
| Current ratio | 1.53 | 1.54 | 1.58 | 1.48 | 1.50 | 1.64 | 1.56 | 1.32 | 1.37 | 1.36 |
| Quick ratio | 1.53 | 1.54 | 1.58 | 1.48 | 1.50 | 1.64 | 1.56 | 1.32 | 1.37 | 1.36 |
| Cash ratio | 0.22 | 0.28 | 0.27 | 0.24 | 0.29 | 0.36 | 0.26 | 0.15 | 0.19 | 0.16 |
| Leverage | ||||||||||
| Debt / Equity | 0.51 | 0.51 | 0.56 | 0.62 | 0.55 | 0.62 | 0.72 | 0.79 | 0.78 | 0.73 |
| Debt / Assets | 0.25 | 0.25 | 0.26 | 0.27 | 0.25 | 0.29 | 0.31 | 0.29 | 0.30 | 0.28 |
| Debt / EBITDA | 9.26 | - | 5.45 | 14.54 | 9.83 | - | 6.23 | 11.97 | 26.42 | - |
| Interest coverage | 4.7x | - | 8.6x | 1.9x | 3.1x | - | 6.7x | 2.9x | 0.5x | - |
| Equity multiplier | 2.07 | 2.04 | 2.14 | 2.25 | 2.16 | 2.12 | 2.33 | 2.72 | 2.63 | 2.60 |
| Liabilities / Assets | 0.52 | 0.51 | 0.53 | 0.56 | 0.54 | 0.53 | 0.57 | 0.63 | 0.62 | 0.62 |
| Efficiency | ||||||||||
| Asset turnover | 0.14 | - | 0.15 | 0.13 | 0.12 | - | 0.15 | 0.11 | 0.10 | - |
| Inventory turnover | - | - | - | - | - | - | - | - | - | - |
| Days sales outstanding | 392d | - | 348d | 362d | 357d | - | 343d | 361d | 399d | - |
| Days inventory outstanding | - | - | - | - | - | - | - | - | - | - |
| Days payable outstanding | 99d | - | 90d | 90d | 90d | - | 89d | 88d | 85d | - |
| Cash conversion cycle | - | - | - | - | - | - | - | - | - | - |
| Valuation | ||||||||||
| P / E | 110.8x | - | 60.0x | 382.6x | 99.5x | - | 66.1x | 136.5x | - | - |
| P / B | 2.8x | - | 3.7x | 3.5x | 3.9x | - | 4.1x | 3.4x | 2.8x | - |
| P / S | 9.9x | - | 11.4x | 12.0x | 14.8x | - | 11.9x | 11.3x | 11.2x | - |
| EV / EBITDA | 58.3x | - | 40.2x | 93.2x | 77.9x | - | 40.1x | 61.7x | 116.9x | - |
| Growth | ||||||||||
| Revenue growth (YoY) | 7.9% | - | 6.8% | 7.4% | 24.9% | - | 24.4% | 15.5% | 9.1% | - |
| Revenue CAGR (3y) | 13.7% | - | 16.3% | 5.6% | 6.9% | - | 12.5% | 7.4% | 2.7% | - |
| Revenue CAGR (5y) | 7.9% | - | 8.8% | 6.0% | 6.2% | - | 4.9% | 4.6% | 9.0% | - |
| Gross profit growth (YoY) | 8.9% | - | 1.9% | -2.2% | 45.1% | - | 37.2% | 19.9% | 12.4% | - |
| Operating income growth (YoY) | -1.8% | - | 4.2% | -35.1% | 512.1% | - | 98.0% | 410.5% | - | - |
| Net income growth (YoY) | -34.9% | - | 12.1% | -60.5% | - | - | 114.8% | - | 76.0% | - |
| EPS growth (YoY) | -32.7% | - | 14.3% | -58.6% | - | - | 120.0% | - | 76.7% | - |
| EPS CAGR (3y) | - | - | 63.9% | 0.0% | 61.7% | - | 85.8% | 79.7% | - | - |
| EPS CAGR (5y) | - | - | 46.6% | 0.0% | - | - | 23.3% | 42.1% | - | - |
| FCF growth (YoY) | -19.5% | - | - | - | -36.6% | - | - | - | 217.5% | - |
| FCF CAGR (5y) | -1.4% | - | - | - | 7.1% | - | - | - | 24.7% | - |
| Book value growth (YoY) | 1.2% | 6.7% | 11.2% | 12.7% | 17.9% | 7.6% | 9.8% | 5.5% | 7.7% | 11.0% |
Sales by segment
From XBRL dimensional facts in the 10-K period ending 2025-12-31.
Business segments
$1.76B totalPayment Software$942.05M · 53.5%
Billers$817.73M · 46.5%
Product / service
$3.80B totalSoftware As Service And Platform As Service$1.01B · 26.5%
Bill Payments$817.73M · 21.5%
Issuing And Acquiring$579.83M · 15.3%
License$461.50M · 12.1%
Maintenance$201.28M · 5.3%
Software And Platform Service$190.72M · 5.0%
Merchant Payments$170.67M · 4.5%
Real Time Payments$138.28M · 3.6%
Service$88.55M · 2.3%
Technology Service$88.55M · 2.3%
Payment Intelligence$53.27M · 1.4%
Geographic
$1.76B totalUS$1.01B · 57.6%
Non Us$745.61M · 42.4%
Peer comparison
Same SIC group: Services-Prepackaged Software
Comparing ACI WORLDWIDE against the 5 most active filers in the same SIC group.