Saturday 17 October 2026 Export ACIW’s income statement to Excel — free account

ACI Worldwide, Inc.

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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Market cap: $5.3B
P/E: 24.0×
Fwd P/E: 17.0×
Dividend yield: —
F-score: 7/9
Altman Z: 3.77
Beneish M: −2.54
Dividend safety: n/a

Overview Business Profile Financial Analysis Income Statement Balance Sheet Cash Flow Metrics & Ratios 10-Q 10-K

Insider Decisions trades per month

Total buys 0.22

Total sells 0.20

Totals in millions of $.

	Dec 25			Mar 26			Jun 26			Sep 26
Buy	—	—	—	—	2	—	—	—	—	—	—	—
Sell	1	—	—	—	—	—	—	—	—	—	—	—

Insider Ownership 2.45%

Capital & Financial Ratios $m

Market Cap 5,310.00

Revenue 1,820.13

Net Income 225.69

Free Cash Flow 284.74

Net Debt 654.78

Current Ratio 1.58

Debt/Equity 0.55

P/E ratio 24.00

Fwd P/E 17.00

P/S ratio 2.94

P/B ratio 3.58

Past 5Y EPS Growth 28.35%

This Y EPS Growth 21.02%

Next Y EPS Growth 14.15%

Next Y revenue growth 8.25%

Next 5Y EPS Growth 14.24%

Green and red mark values outside typical ranges. How we judge →

Valuation vs history

EV/Sales, ten years

P/E against its own 10 years 34.01%

10-year low 10-year high

P/S against its own 10 years 65.65%

10-year low 10-year high

P/B against its own 10 years 74.97%

10-year low 10-year high

EV/Sales against its own 10 years 53.48%

10-year low 10-year high

EV/FCF against its own 10 years 31.37%

10-year low 10-year high

Dividends

Payout Ratio —

Annual Dividend Rate —

Annual Dividend Yield —

	total	individual payouts
2023	Powerpack
2022	Powerpack
2021	Powerpack
2020	Powerpack
2019	Powerpack
2017	Powerpack

special payouts not included in total or ratios

Assets vs Liabilities $m

	2023	2024	2025	Q'26
Cash	164	216	196	167
Receivables	452	414	446	459
Inventory	—	—	—	—
Other	759	331	417	474
	1,407	991	1,089	1,144

	2023	2024	2025	Q'26
Payables	46	45	65	66
ST’ Debt	74	35	41	41
Other	803	391	470	502
	1,037	603	706	723

Compound Annual Growth %

	10y	5y	3y
Sales	5.34%	6.34%	7.37%
Cash Flow	5.56%	0.50%	31.07%
Earnings	10.25%	25.55%	16.82%
Book Value	8.79%	4.71%	8.38%

Revenue $m

	Mar	Jun	Sep	Dec	Year
’26	426	430	—	—	—
’25	395	401	482	482	1,760
’24	316	373	452	453	1,594
’23	290	323	363	477	1,453
’22	323	340	307	452	1,422
’21	285	302	317	467	1,371
’20	291	300	316	387	1,294

Fiscal quarters ending in the months shown.

Operating Cash Flow $m

	Mar	Jun	Sep	Dec	Year
’26	64	71	—	—	—
’25	78	50	73	122	323
’24	123	55	54	126	359
’23	40	17	25	86	169
’22	29	39	34	41	143
’21	70	35	39	76	220
’20	58	68	67	123	315

Fiscal quarters ending in the months shown.

Free Cash Flow $m

	Mar	Jun	Sep	Dec	Year
’26	50	57	—	—	—
’25	69	42	63	115	289
’24	105	49	46	113	314
’23	31	7	14	78	131
’22	20	33	22	28	103
’21	57	24	30	64	175
’20	47	52	57	112	268

Fiscal quarters ending in the months shown.

EPS $

	Mar	Jun	Sep	Dec	Year
’26	0.37	0.31	—	—	—
’25	0.55	0.12	0.88	0.62	2.16
’24	(0.07)	0.29	0.77	0.93	1.91
’23	(0.30)	(0.06)	0.35	1.12	1.12
’22	0.13	0.12	0.20	0.81	1.24
’21	(0.02)	0.05	0.12	0.93	1.08
’20	(0.21)	0.12	0.13	0.56	0.62

Fiscal quarters ending in the months shown.

Group	Line	2016	2017	2018	2019	2020	2021	2022	2023	2024	2025	2026e
Price, $
Price, $	Low	15.07	18.20	20.23	25.12	20.03	28.39	19.68	19.56	28.79	40.45	Analyst estimates 2026–2028 Powerpack
	High	23.20	25.00	30.25	38.12	39.99	43.23	35.87	30.91	59.71	58.14
People
People	Employees	4,111	3,979	3,807	4,018	3,768	3,610	3,349	3,212	3,103	2,930
	Revenue/emp, $m	0.24	0.26	0.27	0.31	0.34	0.38	0.42	0.45	0.51	0.60
Income, $m
Income, $m	Revenue	1,006	1,024	1,010	1,258	1,294	1,371	1,422	1,453	1,594	1,760
	Gross margin, %	55.76	55.84	57.38	50.93	51.91	53.39	51.05	50.49	50.34	48.99
	EBT	186	44	92	72	99	175	207	148	250	307
	EBT margin, %	18.45	4.25	9.09	5.74	7.62	12.77	14.53	10.16	15.71	17.43
	Net income	130	5	69	67	73	128	142	122	203	227
	Depreciation	109	107	102	143	169	149	143	138	124	109
Per share, $
Per share, $	Revenue	8.56	8.68	8.70	10.83	11.12	11.67	12.51	13.39	15.11	16.93
	Earnings	1.10	0.04	0.59	0.58	0.62	1.09	1.25	1.12	1.93	2.18
	Cash flow	0.85	1.24	1.58	1.14	2.71	1.88	1.26	1.55	3.40	3.11
	Capex	1.16	(0.46)	(0.38)	(0.41)	(0.40)	(0.39)	(0.35)	(0.35)	(0.43)	(0.32)
	Free cash flow	2.01	0.78	1.21	0.73	2.30	1.49	0.91	1.21	2.97	2.78
	Book value	6.42	6.48	9.03	9.73	10.37	10.60	10.49	12.21	13.50	14.61
	Shares, m	118	118	116	116	116	117	114	108	105	104
Valuation, ×
Valuation, ×	P/E	17.03	491.13	46.90	65.33	61.98	31.55	18.28	27.13	26.76	21.83
	P/S	2.17	2.62	3.18	3.50	3.46	2.97	1.84	2.27	3.43	2.82
	P/B	2.89	3.50	3.06	3.90	3.71	3.27	2.19	2.49	3.84	3.27
	EV/Sales	2.83	3.22	3.70	4.49	4.22	3.66	2.52	2.87	3.88	3.18
	EV/FCF	12.06	35.90	26.67	66.83	20.36	28.66	34.63	31.89	19.71	19.32
Cash, $m
Cash, $m	Operating cash flow	100	146	184	133	315	220	143	169	359	323
	Capex	136	(54)	(44)	(48)	(47)	(45)	(40)	(38)	(45)	(33)
	Free cash flow	236	92	140	85	268	175	103	131	314	289
Balance, $m
Balance, $m	Working capital	32	100	270	308	249	183	256	369	388	383
	Total debt	744	686	672	1,373	1,155	1,066	1,090	1,038	925	818
	Net debt	668	616	523	1,252	990	944	965	874	708	621
	Shareholders’ equity	755	765	1,048	1,130	1,207	1,245	1,193	1,324	1,424	1,519
Returns, %
Returns, %	ROA	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
	ROE	18.38	0.68	7.60	6.16	6.22	10.43	11.66	9.65	14.78	15.40

Negative figures in brackets.

All 10 years →

Fiscal years to Dec 2025 · latest quarter Jun 2026

Charts ten years each

Company	Market cap	P/E	Fwd P/E	Revenue growth (Q)	EPS growth (Q)	FCF growth (Q)	Gross margin (Q)	EBIT margin (Q)	Compare
WEX WEX Inc.	$6.2B	17.9×	12.5×	+14.24% (above 0%: growing)	+58.08% (above 0%: growing)	−152.65% (below 0%: shrinking)	61.54%	26.94%	Compare
VRNS Varonis Systems, Inc.	$5.4B	— (loss-making)	— (loss-making)	+18.31% (above 0%: growing)	n/m	+15.62% (above 0%: growing)	75.27%	(22.57%)	Compare
BOX Box, Inc.	$5.4B	54.9×	64.3×	+9.23% (above 0%: growing)	+66.67% (above 0%: growing)	+65.84% (above 0%: growing)	79.08%	10.16%	Compare
ACIW ACI Worldwide, Inc.	$5.3B	24.0×	17.0×	+7.27% (above 0%: growing)	+158.33% (above 0%: growing)	+35.07% (above 0%: growing)	42.18%	10.37%
RELY Remitly Global, Inc.	$5.2B	16.7×	28.8×	+20.23% (above 0%: growing)	+3,166.67% (above 0%: growing)	+197.33% (above 0%: growing)	62.07%	13.47%	Compare
BB BlackBerry Limited	$5.1B	59.9×	67.1×	+26.00% (above 0%: growing)	+200.00% (above 0%: growing)	+1,470.59% (above 0%: growing)	77.83%	20.58%	Compare
BLSH Bullish	$4.8B	— (loss-making)	— (loss-making)	−44.34% (below 0%: shrinking)	n/m	+2.25% (above 0%: growing)	0.25%	(0.87%)	Compare
CORZ Core Scientific, Inc.	$4.6B	— (loss-making)	— (loss-making)	+108.83% (above 0%: growing)	n/m	−852.12% (below 0%: shrinking)	42.66%	(47.79%)	Compare
TENB Tenable Holdings, Inc.	$4.3B	701×	245×	+8.58% (above 0%: growing)	n/m	+4.67% (above 0%: growing)	77.53%	4.61%	Compare
Median of peers	$5.2B	54.9×	64.3×	+16.28%	+133.34%	+10.15%	68.67%	7.39%

All 173 Software Infrastructure stocks →

ACI Worldwide, Inc. (ACIW) key facts

Strength: ACI Worldwide, Inc.’s revenue for fiscal 2025 (year ended December 2025) was $1.8 billion, up 10.4% from fiscal 2024.
ACI Worldwide, Inc. (ACIW) is a Software Infrastructure company in the Technology sector, listed on Nasdaq.
As of October 16, 2026, ACIW traded at $52.80, a market capitalization of $5.3 billion.
Return on equity was 15.4% and debt-to-equity 0.55.
Its Piotroski F-score is 7 out of 9 and its Altman Z-score is 3.77 (safe zone) for fiscal 2025.

Source: company filings (standardised) and stockrow calculations.