ACI Worldwide, Inc. (ACIW) Financials

EPS

Hollow marker is the consensus estimate; filled is the reported figure, colored by beat or miss.

Revenue

Outlined bar is the consensus estimate; solid is reported.

Results

Periods without a consensus estimate or a reported figure show a dash.

Period	EPS estimate	EPS actual	EPS surprise %	Revenue estimate	Revenue actual	Revenue surprise %
Q2 26	$0.53	$0.54	+1.9%	—	$430.4M	—
Q1 26	$0.5	$0.61	+22.0%	—	$425.7M	—
Q4 25	$1.01	$0.9	-10.9%	—	$481.6M	—
Q3 25	$0.99	$1.09	+10.1%	—	$482.4M	—
Q2 25	$0.27	$0.35	+29.6%	—	$401.3M	—
Q1 25	$0.34	$0.51	+50.0%	—	$394.6M	—
Q4 24	$0.76	$1.08	+42.1%	—	$453M	—
Q3 24	$0.6	$0.97	+61.7%	—	$451.8M	—
Q2 24	$0.23	$0.47	+104.3%	—	$373.5M	—
Q1 24	-$0.05	$0.1	+300.0%	—	$316M	—
Q4 23	$1.12	$1.27	+13.4%	—	$476.6M	—
Q3 23	$0.28	$0.52	+85.7%	—	$363M	—
Q2 23	$0.04	$0.15	+275.0%	—	$323.3M	—
Q1 23	-$0.04	-$0.07	-75.0%	—	$289.7M	—
Q4 22	$1.06	$1	-5.7%	—	$451.8M	—
Q3 22	$0.22	$0.11	-50.0%	—	$306.6M	—

EPS

Reported per-share earnings by fiscal year; the line turns dotted where reported figures end and the analyst consensus begins, with the shaded band marking the low–high range.

Revenue

Reported revenue by fiscal year; the line turns dotted where reported figures end and the analyst consensus begins, with the shaded band marking the low–high range.

Results

Periods without a consensus estimate or a reported figure show a dash.

Period	EPS estimate	EPS actual	EPS surprise %	Revenue estimate	Revenue actual	Revenue surprise %
FY25	—	$2.18	—	—	$1.8B	—
FY24	—	$1.93	—	—	$1.6B	—
FY23	—	$1.12	—	—	$1.5B	—
FY22	—	$1.25	—	—	$1.4B

Total revenue

Reported revenue per period; the line is the change from the same period a year earlier, on its own left axis.

Period	FY16	FY17	FY18	FY19	FY20	FY21	FY22	FY23	FY24	FY25
Revenue	$1B	$1B	$1B	$1.3B	$1.3B	$1.4B	$1.4B	$1.5B	$1.6B	$1.8B
YoY change	-3.85%	+1.84%	-1.41%	+24.6%	+2.86%	+5.89%	+3.74%	+2.16%	+9.76%	+10.4%

Revenue and profits

Revenue, gross profit, operating income, and net income per period.

Condensed income statement

Click a row to chart it; unreported figures show a dash.

Period	FY16	FY17	FY18	FY19	FY20	FY21	FY22	FY23	FY24	FY25
Revenue	1B	1B	1B	1.3B	1.3B	1.4B	1.4B	1.5B	1.6B	1.8B
Cost of revenue	444.9M	452.3M	430.4M	617.5M	622.5M	638.9M	696.1M	719.2M	791.8M	897.7M
Gross profit	560.8M	571.9M	579.4M	640.8M	671.9M	731.7M	725.8M	733.4M	802.5M	862.1M
Gross margin	55.8%	55.8%	57.4%	50.9%	51.9%	53.4%	51%	50.5%	50.3%	49%
Research & development	169.9M	136.9M	143.6M	146.6M	139.3M	144.3M	146.3M	140.8M	146.7M	167.5M
Selling, general & administrative	231.7M	260.9M	225.3M	259M	256M	250.3M	249M	249.8M	236.7M	267.8M
Operating expenses	401.6M	397.8M	368.9M	405.6M	395.3M	394.6M	395.3M	390.6M	383.4M	435.3M
Operating income	69.7M	84.6M	125.9M	123.8M	144.7M	209.9M	203.8M	220.4M	308.1M	329.9M
Operating margin	6.93%	8.26%	12.5%	9.84%	11.2%	15.3%	14.3%	15.2%	19.3%	18.7%
Non-operating income, net	155.6M	-2.6M	-3.7M	520K	-1.1M	-1.3M	43.4M	-8.5M	-1.2M	19.7M
Pretax income	185.6M	43.6M	91.8M	72.2M	98.6M	175.1M	206.6M	147.6M	250.4M	306.7M
Income tax	56M	38.4M	22.9M	5.1M	26M	47.3M	64.5M	26.1M	47.3M	80M
Net income	129.5M	5.1M	68.9M	67.1M	72.7M	127.8M	142.2M	121.5M	203.1M	226.7M
Net margin	12.9%	0.5%	6.83%	5.33%	5.61%	9.32%	10%	8.37%	12.7%	12.9%
EBITDA	173.7M	187.4M	230.7M	274.7M	319M	364M	398.2M	360.1M	443.5M	471.2M
EPS	1.1	0.04	0.59	0.58	0.62	1.09	1.25	1.12	1.93	2.18
Diluted EPS	1.09	0.04	0.59	0.57	0.62	1.08	1.24	1.12	1.91	2.16

Revenue and profits

Revenue, gross profit, operating income, and net income per period.

Condensed income statement

Click a row to chart it; unreported figures show a dash.

Period	Q3 23	Q4 23	Q1 24	Q2 24	Q3 24	Q4 24	Q1 25	Q2 25	Q3 25	Q4 25	Q1 26	Q2 26
Revenue	363M	476.6M	316M	373.5M	451.8M	453M	394.6M	401.3M	482.4M	481.6M	425.7M	430.4M
Cost of revenue	177.6M	181.7M	191.1M	203.2M	197.4M	200.1M	213.4M	234.8M	223.1M	226.3M	228.5M	248.8M
Gross profit	185.4M	294.9M	124.9M	170.2M	254.4M	253M	181.2M	166.5M	259.2M	255.3M	197.3M	181.6M
Gross margin	51.1%	61.9%	39.5%	45.6%	56.3%	55.8%	45.9%	41.5%	53.7%	53%	46.3%	42.2%
Research & development	33.7M	34.6M	35M	35.4M	37.7M	38.6M	38.9M	41.1M	42.6M	45M	44.1M	47.9M
Selling, general & administrative	59.3M	59M	52.8M	53.5M	62.6M	67.8M	59.8M	66.4M	64.8M	76.8M	70.5M	65.1M
Operating expenses	93M	93.6M	87.7M	89M	100.3M	106.4M	98.7M	107.5M	107.4M	121.8M	114.5M	113M
Operating income	61.9M	172.3M	9.6M	53.7M	122.6M	122.3M	58.5M	34.9M	127.7M	108.8M	57.5M	44.6M
Operating margin	17.1%	36.2%	3.03%	14.4%	27.1%	27%	14.8%	8.69%	26.5%	22.6%	13.5%	10.4%
Non-operating income, net	1.1M	-2.1M	-2M	1.2M	-823K	511K	23.7M	-6.4M	1.6M	831K	1.5M	662K
Pretax income	46.7M	154.1M	-7.5M	40.3M	107.3M	110.3M	71.6M	17.9M	118.1M	99M	50.4M	38.9M
Income tax	8.8M	31.5M	285K	9.5M	25.9M	11.7M	12.8M	5.7M	26.9M	34.7M	12.1M	7.1M
Net income	37.9M	122.6M	-7.8M	30.9M	81.4M	98.6M	58.9M	12.2M	91.3M	64.3M	38.3M	31.8M
Net margin	10.4%	25.7%	-2.45%	8.27%	18%	21.8%	14.9%	3.04%	18.9%	13.4%	9%	7.39%
EBITDA	99.7M	205.3M	41.7M	88.8M	159.5M	153.5M	112.7M	58.9M	157.9M	140M	90.3M	76.6M
EPS	0.35	—	-0.07	0.29	0.78	0.94	0.56	0.12	0.88	0.63	0.38	0.31
Diluted EPS	0.35	—	-0.07	0.29	0.77	0.93	0.55	0.12	0.88	0.62	0.37	0.31

P/E

Annual history by fiscal year; click a table row below to chart a different metric.

Current values are trailing twelve months where available, otherwise the latest fiscal year; unreported figures show a dash.

Key stats

Metric	FY16	FY17	FY18	FY19	FY20	FY21	FY22	FY23	FY24	FY25	Current
Market cap	2.1B	2.7B	3.2B	4.4B	4.5B	4.1B	2.6B	3.3B	5.5B	5B	4.9B
Enterprise value	2.8B	3.3B	3.7B	5.7B	5.5B	5.1B	3.6B	4.2B	6.2B	5.6B	5.7B
Shares outstanding	117.5M	118.1M	116.1M	116.2M	116.4M	117.4M	113.7M	108.5M	105.5M	104M	104M

Valuation

Metric	FY16	FY17	FY18	FY19	FY20	FY21	FY22	FY23	FY24	FY25	Current
P/E	16.5	521.2	46.6	65.6	61.6	31.9	18.4	27.3	27	21.9	22.5
P/S	2.12	2.61	3.18	3.5	3.46	2.97	1.84	2.29	3.43	2.82	2.72
P/B	2.83	3.5	3.06	3.9	3.71	3.27	2.19	2.51	3.84	3.27	3.32
EV/EBITDA	16.1	17.6	16.2	20.8	17.3	13.9	9.1	11.8	14	11.9	14.9
EV/Sales	2.79	3.21	3.7	4.54	4.26	3.7	2.55	2.91	3.9	3.2	3.13
Earnings yield	6.07%	0.19%	2.15%	1.52%	1.62%	3.14%	5.44%	3.66%	3.71%	4.56%	4.44%
FCF yield	1.72%	3.43%	4.36%	1.92%	6%	4.3%	3.96%	3.94%	5.73%	5.82%	5.27%
PEG	—	—	—	—	—	—	—	—	—	—	0.14

Profitability

Metric	FY16	FY17	FY18	FY19	FY20	FY21	FY22	FY23	FY24	FY25	Current
Gross margin	55.8%	55.8%	57.4%	50.9%	51.9%	53.4%	51%	50.5%	50.3%	49%	42.2%
Operating margin	6.93%	8.26%	12.5%	9.84%	11.2%	15.3%	14.3%	15.2%	19.3%	18.7%	10.5%
Net margin	12.9%	0.5%	6.83%	5.33%	5.61%	9.32%	10%	8.37%	12.7%	12.9%	12.4%
ROE	17.2%	0.67%	6.57%	5.93%	6.02%	10.3%	11.9%	9.18%	14.3%	14.9%	15.6%
ROA	6.81%	0.28%	3.25%	2.06%	2.15%	4.05%	4.43%	3.53%	6.71%	7.3%	6.98%
ROIC	3.42%	0.72%	6.02%	4.7%	4.74%	6.83%	6.37%	8.11%	11.5%	11.2%	11.4%
Return on tangible assets	-18.6%	-0.79%	-22.4%	-13.8%	-34.5%	-45.1%	336.7%	31.6%	358.2%	117.1%	100.2%

Financial health

Metric	FY16	FY17	FY18	FY19	FY20	FY21	FY22	FY23	FY24	FY25	Current
Current ratio	1.08	1.31	1.91	1.5	1.28	1.24	1.3	1.36	1.64	1.54	1.58
Quick ratio	1.08	1.31	1.91	1.5	1.28	1.24	1.3	1.36	1.64	1.54	1.58
Debt / equity	0.99	0.9	0.64	1.27	1	0.9	0.95	0.81	0.67	0.56	0.58
Debt / assets	0.39	0.37	0.32	0.44	0.36	0.35	0.35	0.31	0.32	0.27	0.27
Net debt / EBITDA	3.85	3.29	2.27	4.78	3.27	2.74	2.54	2.53	1.67	1.39	1.47
Interest coverage	5.62	2.12	3.21	2.13	2.74	4.89	4.88	2.88	4.46	6.3	6.8
Effective tax rate	30.2%	88.2%	24.9%	7.13%	26.3%	27%	31.2%	17.7%	18.9%	26.1%	26.4%

Per share

Metric	FY16	FY17	FY18	FY19	FY20	FY21	FY22	FY23	FY24	FY25	Current
Revenue per share	8.56	8.68	8.7	10.8	11.1	11.7	12.5	13.4	15.1	16.9	17.8
EPS (basic)	1.1	0.04	0.59	0.58	0.62	1.09	1.25	1.12	1.93	2.18	2.18
EPS (diluted)	1.09	0.04	0.59	0.57	0.62	1.08	1.24	1.12	1.91	2.16	2.18
Book value per share	6.42	6.48	9.03	9.73	10.4	10.6	10.5	12.2	13.5	14.6	14.8
FCF per share	0.31	0.78	1.21	0.73	2.3	1.49	0.91	1.21	2.97	2.78	2.8
Cash per share	0.64	0.59	1.28	1.04	1.42	1.04	1.1	1.51	2.05	1.89	1.66
Capex per share	0.35	0.22	0.16	0.2	0.15	0.18	0.12	0.08	0.15	—	—

Capital allocation

Metric	FY16	FY17	FY18	FY19	FY20	FY21	FY22	FY23	FY24	FY25	Current
Capex / revenue	4.06%	2.51%	1.81%	1.84%	1.38%	1.5%	0.92%	0.61%	0.97%	—	—
Capex / operating cash flow	17.5%	17.6%	9.43%	16.1%	6.01%	9.49%	7.08%	5.56%	4.33%	—	—
Payout ratio	—	—	—	—	—	—	—	—	—	—	0%

Period	Q3 23	Q4 23	Q1 24	Q2 24	Q3 24	Q4 24	Q1 25	Q2 25	Q3 25	Q4 25	Q1 26	Q2 26
Revenue	$363M	$476.6M	$316M	$373.5M	$451.8M	$453M	$394.6M	$401.3M	$482.4M	$481.6M	$425.7M	$430.4M
YoY change	+18.4%	+5.48%	+9.09%	+15.5%	+24.4%	-4.94%	+24.9%	+7.44%	+6.78%	+6.3%	+7.9%	+7.27%

Assets vs. liabilities & equity

What the company owns (left stack) against what it owes plus shareholders' equity (right stack). The two stacks should match — that's the balance.

Condensed balance sheet

Click a row to chart it; unreported figures show a dash.

Period	FY16	FY17	FY18	FY19	FY20	FY21	FY22	FY23	FY24	FY25
Cash & short-term investments	75.8M	69.7M	148.5M	121.4M	165.4M	122.1M	125M	164.2M	216.4M	196.5M
Receivables	246.2M	262.8M	348.2M	359.2M	175.3M	159.6M	214.8M	246.1M	196.7M	202.2M
Inventory	—	—	—	—	—	—	—	—	—	—
Total current assets	408M	421.8M	566.5M	920.4M	1.2B	937.4M	1.1B	1.4B	990.8M	1.1B
Property, plant & equipment	68.6M	67.6M	58.3M	113.2M	91.4M	96M	77.5M	57.7M	47.9M	50.1M
Goodwill & intangibles	2.6B	2.5B	2.4B	3.7B	3.6B	3.4B	3.2B	3.1B	3B	2.9B
Total assets	1.9B	1.9B	2.1B	3.3B	3.4B	3.2B	3.2B	3.4B	3B	3.1B
Accounts payable	42.9M	34.7M	39.6M	37M	41.2M	41.3M	48M	46M	45.4M	64.9M
Short-term debt	90.3M	17.8M	20.8M	49.2M	47.7M	57.4M	76.7M	83.8M	44.2M	49.8M
Total current liabilities	376.4M	321.8M	296.6M	612M	905.6M	754.2M	858.8M	1B	602.6M	705.6M
Long-term debt	653.6M	667.9M	651M	1.4B	1.2B	1.1B	1.1B	992.7M	912.2M	799.3M
Total liabilities	1.1B	1.1B	1.1B	2.1B	2.2B	1.9B	2B	2.1B	1.6B	1.6B
Shareholders' equity	754.9M	764.6M	1B	1.1B	1.2B	1.2B	1.2B	1.3B	1.4B	1.5B
Total debt	743.9M	685.7M	671.8M	1.4B	1.2B	1.1B	1.1B	1.1B	956.4M	849.1M
Net debt	668.2M	616M	523.3M	1.3B	1B	998.5M	1B	912.2M	740M	652.6M

Assets vs. liabilities & equity

What the company owns (left stack) against what it owes plus shareholders' equity (right stack). The two stacks should match — that's the balance.

Condensed balance sheet

Click a row to chart it; unreported figures show a dash.

Period	Q3 23	Q4 23	Q1 24	Q2 24	Q3 24	Q4 24	Q1 25	Q2 25	Q3 25	Q4 25	Q1 26	Q2 26
Cash & short-term investments	—	—	—	—	—	—	—	—	199.3M	196.5M	161.8M	167.4M
Receivables	—	—	—	—	—	—	—	—	225M	202.2M	199.7M	204.2M
Inventory	—	—	—	—	—	—	—	—	—	—	—	—
Total current assets	—	—	—	—	—	—	—	—	1.2B	1.1B	1.1B	1.1B
Property, plant & equipment	—	—	—	—	—	—	—	—	62.3M	50.1M	64.1M	62.7M
Goodwill & intangibles	—	—	—	—	—	—	—	—	2.9B	2.9B	2.9B	2.9B
Total assets	—	—	—	—	—	—	—	—	3.2B	3.1B	3.1B	3.1B
Accounts payable	—	—	—	—	—	—	—	—	55.3M	64.9M	61.8M	66.5M
Short-term debt	—	—	—	—	—	—	—	—	49.5M	49.8M	49.6M	49.7M
Total current liabilities	—	—	—	—	—	—	—	—	737.1M	705.6M	739.4M	723.4M
Long-term debt	—	—	—	—	—	—	—	—	850.1M	799.3M	786.9M	799.8M
Total liabilities	—	—	—	—	—	—	—	—	1.7B	1.6B	1.6B	1.6B
Shareholders' equity	—	—	—	—	—	—	—	—	1.5B	1.5B	1.5B	1.5B
Total debt	—	—	—	—	—	—	—	—	899.6M	849.1M	836.6M	849.5M
Net debt	—	—	—	—	—	—	—	—	700.3M	652.6M	674.8M	682.1M

Cash generation and uses

Cash from operations, what's left after capex, and what went back to shareholders. Bars below the line are cash going out.

Condensed cash flow statement

Click a row to chart it; unreported figures show a dash.

Period	FY16	FY17	FY18	FY19	FY20	FY21	FY22	FY23	FY24	FY25
Net income	129.5M	5.1M	68.9M	67.1M	72.7M	127.8M	142.2M	121.5M	203.1M	226.7M
Depreciation & amortization	103.5M	102.2M	97.3M	138.5M	163.8M	143.9M	138.4M	134M	120.7M	106.6M
Stock-based compensation	43.6M	13.7M	20.4M	36.8M	29.6M	27.2M	29.8M	24.5M	41.3M	70.6M
Change in working capital	-67.4M	-1.3M	6.1M	-86.1M	16.2M	-91.4M	-134.5M	-121.8M	-908K	-59.6M
Operating cash flow	233.2M	146.1M	193.6M	143.4M	296.4M	216.8M	185M	160.4M	355.9M	322.8M
Capital expenditure	-40.8M	-25.7M	-18.3M	-23.1M	-17.8M	-20.6M	-13.1M	-8.9M	-15.4M	—
Investing cash flow	-47.6M	-25.7M	-19.7M	-805.6M	-1.9M	-20.6M	87M	-8.9M	-15.4M	40.6M
Dividends paid	—	—	—	—	—	—	—	—	—	—
Share repurchases	-60.1M	-37.4M	-54.5M	-35.6M	-28.9M	-107.4M	-206.5M	-27.6M	-127.7M	-202.6M
Financing cash flow	-350.4M	-192.7M	-76.8M	898.4M	-344.2M	-305.9M	-63.7M	-94.1M	-281.4M	-316.3M
Net change in cash	-164.7M	-72.3M	97.1M	236.2M	-49.7M	-109.7M	208.4M	57.3M	59M	47.1M
Free cash flow	36.8M	91.8M	140M	84.6M	268.3M	175.1M	103.5M	130.7M	313.7M	289.5M

Cash generation and uses

Cash from operations, what's left after capex, and what went back to shareholders. Bars below the line are cash going out.

Condensed cash flow statement

Click a row to chart it; unreported figures show a dash.

Period	Q3 23	Q4 23	Q1 24	Q2 24	Q3 24	Q4 24	Q1 25	Q2 25	Q3 25	Q4 25	Q1 26	Q2 26
Net income	37.9M	122.6M	-7.8M	30.9M	81.4M	98.6M	—	—	91.3M	64.3M	38.3M	31.8M
Depreciation & amortization	33.2M	31.4M	30.2M	30M	33.9M	26.6M	—	—	26.5M	27.2M	27.7M	26.3M
Stock-based compensation	6.8M	7M	8.1M	10.7M	11.3M	11.1M	—	—	17.4M	25.2M	17M	18.7M
Change in working capital	-54.6M	-108.1M	118.5M	-23.6M	-80.5M	-15.3M	—	—	-75.8M	-4M	-533K	-10.8M
Operating cash flow	23.5M	74.7M	149.7M	48.4M	45.2M	112.5M	78.2M	49.8M	73M	121.8M	64.2M	70.8M
Capital expenditure	-3.4M	-968K	-3.2M	-1.7M	-3.5M	-6.9M	—	—	—	—	—	—
Investing cash flow	-3.4M	-968K	-3.2M	-1.7M	-3.5M	-6.9M	—	—	0	—	0	0
Dividends paid	—	—	—	—	—	—	—	—	—	—	—	—
Share repurchases	0	-27.6M	-62.5M	-57.2M	-8M	0	—	—	-16.3M	-52.6M	-65.3M	-41.5M
Financing cash flow	28M	-71.4M	-93.7M	-59M	1.6M	-118.3M	—	—	-102.5M	-103.6M	-60.4M	-58.1M
Net change in cash	48.2M	2.3M	52.8M	-12.3M	43.3M	-12.8M	78.2M	49.8M	-29.5M	18.1M	3.8M	12.7M
Free cash flow	14.3M	78.5M	105.5M	48.8M	46.3M	113.1M	—	—	63.1M	114.8M	49.7M	57.1M

ACI Worldwide, Inc. Financials

EPS

Revenue

Results

EPS

Revenue

Results

Total revenue

Total revenue

Revenue and profits

Condensed income statement

Revenue and profits

Condensed income statement

P/E

Key stats

Valuation

Profitability

Financial health

Per share

Capital allocation

Assets vs. liabilities & equity

Condensed balance sheet

Assets vs. liabilities & equity

Condensed balance sheet

Cash generation and uses

Condensed cash flow statement

Cash generation and uses

Condensed cash flow statement