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 | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 |
|---|---|---|---|---|---|---|
| Revenue | $1.76B | $1.59B | $1.45B | $1.42B | $1.37B | $1.29B |
| Cost of Revenue | $897.65M | $791.78M | $719.21M | $696.07M | $638.87M | $622.46M |
| Gross Profit | $862.13M | $802.50M | $733.37M | $725.83M | $731.73M | $671.86M |
| R&D | - | - | - | - | - | - |
| SG&A | $142.71M | $118.38M | $117.19M | $114.19M | $123.80M | $152.47M |
| Total Operating Expenses | $1.43B | $1.29B | $1.23B | $1.22B | $1.16B | $1.15B |
| D&A | $96.95M | $110.96M | $122.37M | $127.33M | $133.39M | $140.32M |
| Operating Income | $329.91M | $308.13M | $220.41M | $203.84M | $209.90M | $144.74M |
| Interest Expense | $57.85M | $72.47M | $78.49M | $53.19M | $45.06M | $56.63M |
| Income Tax | $80.01M | $47.29M | $26.12M | $64.46M | $47.27M | $25.97M |
| Net Income | $226.66M | $203.12M | $121.51M | $142.18M | $127.79M | $72.66M |
| EPS - Basic | $2.18 | $1.93 | $1.12 | $1.25 | $1.09 | $0.62 |
| EPS - Diluted | $2.16 | $1.91 | $1.12 | $1.24 | $1.08 | $0.62 |
Balance Sheet
| Line item | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 |
|---|---|---|---|---|---|---|
| Cash & Equivalents | $196.46M | $216.39M | $164.24M | $124.98M | $122.06M | $165.37M |
| Accounts Receivable | $445.87M | $414.40M | $452.34M | $403.78M | $160.79M | $167.61M |
| Inventory | - | - | - | - | - | - |
| Accounts Payable | $64.93M | $45.42M | $45.96M | $48.00M | $41.31M | $41.22M |
| Current Assets | $1.09B | $990.82M | $1.41B | $1.11B | $937.43M | $1.15B |
| Total Assets | $3.10B | $3.03B | $3.44B | $3.21B | $3.16B | $3.39B |
| Current Liabilities | $705.64M | $602.63M | $1.04B | $858.84M | $754.15M | $905.61M |
| Long-term Debt | $776.67M | $889.65M | $963.60M | $1.02B | $1.02B | $1.12B |
| Total Liabilities | $1.59B | $1.60B | $2.12B | $2.02B | $1.91B | $2.18B |
| Stockholders' Equity | $1.52B | $1.42B | $1.32B | $1.19B | $1.24B | $1.21B |
| Retained Earnings | $1.82B | $1.60B | $1.39B | $1.27B | $1.13B | $1.00B |
Cash Flow
| Line item | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 |
|---|---|---|---|---|---|---|
| Operating Cash Flow | $322.83M | $358.75M | $168.52M | $143.38M | $220.47M | $336.30M |
| Investing Cash Flow | $7.22M | ($45.05M) | ($37.78M) | $60.25M | ($45.37M) | ($30.70M) |
| Financing Cash Flow | ($336.65M) | ($288.20M) | ($111.55M) | ($171.06M) | ($256.88M) | ($261.57M) |
| CapEx | $12.91M | $15.40M | $8.92M | $13.10M | $20.58M | $17.80M |
| Free Cash Flow | $309.92M | $343.35M | $159.59M | $130.28M | $199.89M | $318.50M |
Ratios
| Metric | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 |
|---|---|---|---|---|---|---|
| Profitability | ||||||
| Gross margin | 49.0% | 50.3% | 50.5% | 51.0% | 53.4% | 51.9% |
| Operating margin | 18.7% | 19.3% | 15.2% | 14.3% | 15.3% | 11.2% |
| EBITDA margin | 24.3% | 26.3% | 23.6% | 23.3% | 25.0% | 22.0% |
| Net margin | 12.9% | 12.7% | 8.4% | 10.0% | 9.3% | 5.6% |
| Free cash flow margin | 17.6% | 21.5% | 11.0% | 9.2% | 14.6% | 24.6% |
| FCF / Net income | 1.37 | 1.69 | 1.31 | 0.92 | 1.56 | 4.38 |
| R&D / Revenue | - | - | - | - | - | - |
| SG&A / Revenue | 8.1% | 7.4% | 8.1% | 8.0% | 9.0% | 11.8% |
| Effective tax rate | 26.1% | 18.9% | 17.7% | 31.2% | 27.0% | 26.3% |
| Return on assets | 7.3% | 6.7% | 3.5% | 4.4% | 4.0% | 2.1% |
| Return on equity | 14.9% | 14.3% | 9.2% | 11.9% | 10.3% | 6.0% |
| Return on invested capital | 10.6% | 10.8% | 7.9% | 6.3% | 6.8% | 4.6% |
| Liquidity | ||||||
| Current ratio | 1.54 | 1.64 | 1.36 | 1.30 | 1.24 | 1.28 |
| Quick ratio | 1.54 | 1.64 | 1.36 | 1.30 | 1.24 | 1.28 |
| Cash ratio | 0.28 | 0.36 | 0.16 | 0.15 | 0.16 | 0.18 |
| Leverage | ||||||
| Debt / Equity | 0.51 | 0.62 | 0.73 | 0.86 | 0.82 | 0.93 |
| Debt / Assets | 0.25 | 0.29 | 0.28 | 0.32 | 0.32 | 0.33 |
| Debt / EBITDA | 1.82 | 2.12 | 2.81 | 3.09 | 2.97 | 3.93 |
| Interest coverage | 5.7x | 4.3x | 2.8x | 3.8x | 4.7x | 2.6x |
| Equity multiplier | 2.04 | 2.12 | 2.60 | 2.69 | 2.54 | 2.81 |
| Liabilities / Assets | 0.51 | 0.53 | 0.62 | 0.63 | 0.61 | 0.64 |
| Efficiency | ||||||
| Asset turnover | 0.57 | 0.53 | 0.42 | 0.44 | 0.43 | 0.38 |
| Inventory turnover | - | - | - | - | - | - |
| Days sales outstanding | 92d | 95d | 114d | 104d | 43d | 47d |
| Days inventory outstanding | - | - | - | - | - | - |
| Days payable outstanding | 26d | 21d | 23d | 25d | 24d | 24d |
| Cash conversion cycle | - | - | - | - | - | - |
| Valuation | ||||||
| P / E | 22.1x | 27.2x | 27.3x | 18.5x | 32.1x | 62.0x |
| P / B | 3.3x | 3.9x | 2.5x | 2.2x | 3.3x | 3.8x |
| P / S | 2.8x | 3.5x | 2.3x | 1.8x | 3.0x | 3.5x |
| EV / EBITDA | 13.1x | 14.8x | 12.0x | 10.6x | 14.6x | 19.3x |
| Growth | ||||||
| Revenue growth (YoY) | 10.4% | 9.8% | 2.2% | 3.7% | 5.9% | 26.4% |
| Revenue CAGR (3y) | 7.4% | 5.2% | 3.9% | 11.6% | 10.9% | 8.1% |
| Revenue CAGR (5y) | 6.3% | 9.3% | 7.6% | 6.8% | 6.4% | 4.4% |
| Gross profit growth (YoY) | 7.4% | 9.4% | 1.0% | -0.8% | 8.9% | 65.2% |
| Operating income growth (YoY) | 7.1% | 39.8% | 8.1% | -2.9% | 45.0% | 17.0% |
| Net income growth (YoY) | 11.6% | 67.2% | -14.5% | 11.3% | 75.9% | 8.3% |
| EPS growth (YoY) | 13.1% | 70.5% | -9.7% | 14.8% | 74.2% | 8.8% |
| EPS CAGR (3y) | 20.3% | 20.9% | 21.8% | 29.6% | 22.3% | 149.3% |
| EPS CAGR (5y) | 28.4% | 27.4% | 13.7% | 98.7% | -0.2% | -2.9% |
| FCF growth (YoY) | -9.7% | 115.1% | 22.5% | -34.8% | -37.2% | 178.0% |
| FCF CAGR (5y) | -0.5% | 24.6% | 14.4% | 1.6% | 27.6% | 15.4% |
| Book value growth (YoY) | 6.7% | 7.6% | 11.0% | -4.1% | 3.2% | 6.8% |
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%
Stability scores
Altman Z′
FY 2025 · bankruptcy risk
1.88
Grey zone
Private-firm variant - uses book equity instead of market cap. > 2.90 safe · 1.23-2.90 grey · < 1.23 distress.
Piotroski F-score
FY 2025 · 9-point quality
7/9
Strong
- ✓Net income positive
- ✓Operating cash flow positive
- ✓ROA improved YoY
- ✓Cash flow > net income
- ✓Long-term debt decreased
- ✗Current ratio improved
- ✓No share dilution
- ✗Gross margin improved
- ✓Asset turnover improved
Peer comparison
Same SIC group: Services-Prepackaged Software
Comparing ACI WORLDWIDE against the 5 most active filers in the same SIC group.