Saturday 17 October 2026
Export ACIW’s income statement to Excel — free account
ACI Worldwide, Inc.
ACIW Technology Software Infrastructure
ACI Worldwide, Inc.’s revenue for fiscal 2025 (year ended December 2025) was $1.8 billion, up 10.4% from fiscal 2024. In the quarter to June 2026, revenue grew 7.27%, EPS grew 158.3%, free cash flow grew 35.1% and total debt fell 8.45%, each against the same quarter a year earlier. Revenue growth for five consecutive years; insiders bought in the last twelve months.
52.80
0.25
+0.48%
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| Dec '16 | Dec '17 | Dec '18 | Dec '19 | Dec '20 | Dec '21 | Dec '22 | Dec '23 | Dec '24 | Dec '25 | |
|---|---|---|---|---|---|---|---|---|---|---|
P/E ratio |
17.03 | 491.13 | 46.90 | 65.33 | 61.98 | 31.55 | 18.28 | 27.13 | 26.76 | 21.83 |
Piotroski F-Score |
6 | 6 | 8 | 3 | 5 | 7 | 7 | 6 | 8 | 7 |
Altman Z-Score |
2.45 | 2.64 | 3.19 | 2.27 | 2.26 | 2.50 | 2.08 | 2.27 | 3.81 | 3.77 |
P/S ratio |
2.17 | 2.62 | 3.18 | 3.50 | 3.46 | 2.97 | 1.84 | 2.27 | 3.43 | 2.82 |
P/FCF ratio |
9.23 | 29.19 | 22.93 | 52.04 | 16.67 | 23.27 | 25.30 | 25.21 | 17.46 | 17.17 |
Altman Z″-Score (non-manufacturers) |
2.52 | 2.35 | 3.58 | 2.37 | 2.32 | 2.68 | 2.86 | 3.11 | 4.18 | 4.45 |
Beneish M-Score |
(2.23) | (2.86) | (2.43) | (2.56) | (2.90) | (2.62) | (2.27) | (2.47) | (2.65) | (2.54) |
P/Operating CF |
62.37 | 43.82 | 38.47 | 100.81 | 36.42 | 53.61 | 63.23 | 38.44 | 43.30 | 40.81 |
P/B ratio |
2.89 | 3.50 | 3.06 | 3.90 | 3.71 | 3.27 | 2.19 | 2.49 | 3.84 | 3.27 |
Price to Tangible BV |
0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 166.32 | 35.28 |
EV/Sales |
2.83 | 3.22 | 3.70 | 4.49 | 4.22 | 3.66 | 2.52 | 2.87 | 3.88 | 3.18 |
EV/EBITDA |
8.63 | 17.24 | 16.39 | 21.22 | 17.44 | 14.00 | 10.33 | 11.62 | 14.32 | 12.75 |
EV/Operating CF |
28.54 | 22.54 | 20.30 | 42.64 | 17.35 | 22.76 | 24.99 | 24.74 | 17.24 | 17.32 |
EV/FCF |
12.06 | 35.90 | 26.67 | 66.83 | 20.36 | 28.66 | 34.63 | 31.89 | 19.71 | 19.32 |
Quick Ratio |
0.93 | 1.06 | 1.67 | 0.79 | 0.56 | 0.59 | 0.62 | 0.59 | 1.05 | 0.91 |
Current Ratio |
1.08 | 1.31 | 1.91 | 1.50 | 1.28 | 1.24 | 1.30 | 1.36 | 1.64 | 1.54 |
Net Debt/EBITDA |
2.02 | 3.22 | 2.30 | 4.70 | 3.16 | 2.63 | 2.78 | 2.44 | 1.64 | 1.42 |
Debt/Assets |
39.11% | 36.83% | 31.65% | 42.15% | 34.10% | 33.74% | 33.95% | 30.13% | 30.56% | 26.33% |
Debt/Equity |
0.99 | 0.90 | 0.64 | 1.22 | 0.96 | 0.86 | 0.91 | 0.78 | 0.65 | 0.54 |
Asset Turnover |
0.52 | 0.54 | 0.51 | 0.47 | 0.39 | 0.42 | 0.45 | 0.44 | 0.49 | 0.57 |
Operating CF/Net income |
0.77 | 28.47 | 2.67 | 1.98 | 4.33 | 1.73 | 1.01 | 1.39 | 1.77 | 1.42 |
Capex/Depreciation |
1.25 | (0.51) | (0.43) | (0.34) | (0.28) | (0.31) | (0.28) | (0.27) | (0.36) | (0.31) |
Interest Coverage |
5.50 | 2.17 | 3.03 | 1.93 | 2.56 | 4.66 | 3.83 | 2.81 | 4.25 | 5.70 |
| 18.38% | 0.68% | 7.60% | 6.16% | 6.22% | 10.43% | 11.66% | 9.65% | 14.78% | 15.40% | |
| 6.68% | 0.27% | 3.46% | 2.49% | 2.19% | 3.90% | 4.46% | 3.65% | 6.28% | 7.39% | |
ROIC |
9.71% | 3.83% | 5.01% | 3.25% | 4.12% | 5.99% | 5.90% | 6.27% | 9.03% | 9.63% |
Return on Tangible Assets |
117.15% | 2.85% | 20.12% | 17.70% | 23.14% | 51.88% | 46.09% | 29.84% | 47.99% | 53.86% |
Average Days of Receivables |
99.00 | 96.50 | 125.86 | 104.19 | 96.69 | 85.33 | 103.65 | 113.66 | 94.87 | 92.48 |
Research and Development Expense of Revenue |
16.89% | 13.37% | 14.22% | 11.65% | 10.76% | 10.53% | 10.29% | 9.69% | 9.20% | 9.52% |
Selling, General and Administrative Expense of Revenue |
23.04% | 25.48% | 22.31% | 20.58% | 19.78% | 18.27% | 17.51% | 17.20% | 14.85% | 15.22% |
Intangible Assets out of Total Assets |
0.59 | 0.59 | 0.51 | 0.50 | 0.47 | 0.49 | 0.45 | 0.41 | 0.46 | 0.44 |
Share Based Compensation of Revenue |
4.34% | 1.34% | 2.02% | 2.92% | 2.29% | 1.99% | 2.09% | 1.69% | 2.59% | 4.01% |
Graham Net Nets |
(0.34) | (0.25) | (0.16) | (0.27) | (0.23) | (0.24) | (0.34) | (0.22) | (0.11) | (0.10) |
Graham Number |
12.55 | 2.59 | 10.95 | 11.27 | 12.03 | 16.20 | 17.25 | 17.54 | 24.28 | 26.83 |
Earnings Yield |
5.87% | 0.20% | 2.13% | 1.53% | 1.61% | 3.17% | 5.47% | 3.69% | 3.74% | 4.58% |
Free Cash Flow Yield |
10.83% | 3.43% | 4.36% | 1.92% | 6.00% | 4.30% | 3.95% | 3.97% | 5.73% | 5.82% |
Revenue per Share |
8.56 | 8.68 | 8.70 | 10.83 | 11.12 | 11.67 | 12.51 | 13.39 | 15.11 | 16.93 |
Operating CF per Share |
0.85 | 1.24 | 1.58 | 1.14 | 2.71 | 1.88 | 1.26 | 1.55 | 3.40 | 3.11 |
Capex per Share |
1.16 | (0.46) | (0.38) | (0.41) | (0.40) | (0.39) | (0.35) | (0.35) | (0.43) | (0.32) |
Free Cash Flow per Share |
2.01 | 0.78 | 1.21 | 0.73 | 2.30 | 1.49 | 0.91 | 1.21 | 2.97 | 2.78 |
Cash per Share |
0.64 | 0.59 | 1.28 | 1.05 | 1.42 | 1.04 | 1.10 | 1.51 | 2.05 | 1.89 |
Shareholders Equity per Share |
6.42 | 6.48 | 9.03 | 9.73 | 10.37 | 10.60 | 10.49 | 12.21 | 13.50 | 14.61 |
Interest Debt per Share |
0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
Book value per Share |
6.42 | 6.48 | 9.03 | 9.73 | 10.37 | 10.60 | 10.49 | 12.21 | 13.50 | 14.61 |
Free Cash Flow |
236.23 | 91.78 | 140.04 | 84.59 | 268.26 | 175.11 | 103.49 | 130.74 | 313.70 | 289.48 |
Working Capital |
31.63 | 100.04 | 269.86 | 308.43 | 249.31 | 183.28 | 255.96 | 369.40 | 388.19 | 383.47 |
Capital Expenditures |
136.40 | (54.41) | (43.89) | (48.01) | (46.63) | (45.37) | (39.89) | (37.78) | (45.05) | (33.35) |
Net Current Asset Value |
(739.39) | (675.22) | (507.75) | (1,207.19) | (1,025.39) | (976.53) | (901.90) | (713.80) | (610.14) | (496.71) |
EV/EBIT |
12.89 | 38.93 | 29.66 | 45.68 | 37.74 | 23.91 | 17.58 | 18.92 | 20.07 | 16.95 |
Capex to Sales |
(0.14) | 0.05 | 0.04 | 0.04 | 0.04 | 0.03 | 0.03 | 0.03 | 0.03 | 0.02 |
Price to Operating Income |
9.86 | 31.65 | 25.50 | 35.57 | 30.90 | 19.41 | 12.85 | 14.95 | 17.77 | 15.06 |
| Other line items | ||||||||||
Depreciation/Fixed assets |
1.38 | 1.33 | 1.40 | 2.03 | 2.60 | 2.36 | 2.72 | 3.65 | 3.52 | 2.91 |
Cash ROIC |
15.00% | 6.04% | 7.49% | 3.22% | 10.62% | 7.20% | 4.30% | 5.17% | 12.23% | 11.43% |
Accounts Receivable Turnover |
3.99 | 3.77 | 3.26 | 3.56 | 3.69 | 4.13 | 3.93 | 3.39 | 3.68 | 4.09 |
Accounts Payable Turnover |
9.05 | 11.66 | 11.58 | 16.12 | 15.91 | 15.48 | 15.59 | 15.31 | 17.33 | 16.27 |
Inventory Turnover |
0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
Average Days of Payables |
35.17 | 28.02 | 33.59 | 21.88 | 24.17 | 23.60 | 25.17 | 23.33 | 20.94 | 26.40 |
Days of Inventory on Hand |
0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
Average Receivables |
251.97 | 271.77 | 309.47 | 353.69 | 351.04 | 331.64 | 362.09 | 428.06 | 433.37 | 430.13 |
Average Payables |
49.15 | 38.80 | 37.16 | 38.31 | 39.12 | 41.27 | 44.65 | 46.98 | 45.69 | 55.18 |
Average Assets |
1,939.04 | 1,881.97 | 1,992.05 | 2,689.99 | 3,322.22 | 3,272.82 | 3,184.32 | 3,327.32 | 3,235.02 | 3,065.10 |
Average Common Equity |
704.66 | 759.76 | 906.41 | 1,089.10 | 1,168.28 | 1,225.69 | 1,218.98 | 1,258.74 | 1,374.31 | 1,471.70 |
Columns are period end dates