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ACI Worldwide, Inc. (ACIW)

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ACI Worldwide, Inc. (ACIW) reported revenue of $430 million for Q2 FY2026, the quarter ended 30 June 2026, up 7.3% on the same quarter a year earlier. Net income was $32 million, up 160.6% on the year, and diluted earnings per share $0.31. The figures are the company's own, from the 10-Q it filed with the SEC on 6 August 2026.

Revenue$430 millionup 7.3%
Net income$32 millionup 160.6%
Diluted EPS$0.31
QuarterQ2 FY2026ended 30 June 2026

ACI Worldwide (ACIW) in brief

ACI Worldwide (ACIW) reported revenue of $1.8 billion for fiscal 2025, the year ended 31 December 2025, up 10.4% on the year before.
Read moreNet income was $227 million and diluted earnings per share $2.16. Revenue was $1.6 billion in fiscal 2024, $1.5 billion in fiscal 2023, $1.4 billion in fiscal 2022 and $1.4 billion in fiscal 2021. Net income in the same years was $203 million, $122 million, $142 million and $128 million. Over the twelve months to 30 June 2026, ACI Worldwide reported revenue of $1.8 billion and net income of $226 million. Revenue grew 6.3% a year, compounded, over the five years to fiscal 2025. ACI Worldwide had 101 million shares outstanding at the latest filed count. At 30 June 2026 it carried $822 million of debt and $167 million of cash. At the close of 9 October 2026 the market cap of ACI Worldwide was $5.2 billion, 23.3 times its earnings over the last twelve months.

Ratios

From the filings

ROE15.1%
ROCE14.6%
Operating margin18.6%
Net margin12.4%
FCF margin17.1%
Interest cover6.41
Debt to equity0.55
Cash conversion1.46
Share count, 1 year-2.1%
Sales CAGR, 3 years7.4%
Profit CAGR, 3 years16.8%
EPS, TTM$2.18

At the close of 9 October 2026

Price$50.90
Market cap$5.2 billion
Stock P/E23.35
Price to book3.44
EV / EBITDA13.30
Dividend yield0.0%
Market cap / sales2.83
52-week high$60.18
52-week low$38.47
Price, 1 year-2.8%
Price CAGR, 3 years34.1%
Price CAGR, 5 years11.0%
Worked from the filed figures; hover a name for the formula.
Read moreThe priced ones use the latest price, the last regular-hours trade on IEX. Debt to equity here stands on long-term debt as ACI Worldwide, Inc. files it, with lease liabilities counted separately and never inside it. Nothing here is a valuation or a view.
ACIWgreeksoup.ai
Daily prices to 9 October 2026, adjusted for splits; from 28 September 2026 each day's price is the last regular-hours trade on IEX.
Read moreData provided for free by IEX. By accessing or using IEX Historical Data, you agree to the IEX Historical Data Terms of Use. Day by day for the last three years; before that one point a week, carrying the week's last close and its average daily volume, so a volume bar means the same thing across the whole series; the bars sit under the price on their own scale, on the right. The moving averages need consecutive days and are drawn from the daily part. P/E is the close over the trailing four quarters' EPS as filed at each filing date, on the current share count; the dashed line is the median over the range shown. Sales and margin are quarterly revenue and the operating margin from the tables above. EV/EBITDA, price to book and market cap to sales use the latest filed balance sheet and share count at each date. Before the quarters on file begin, P/E, price to book and market cap to sales stand on each annual report from the day it was filed. Drawn in your browser; the range and overlay you pick are remembered here only.

The public record on ACIW

Filings13 in twelve months: 6 current reports (8-K), about 4 results of operations; 4 regulation FD disclosure; 2 officer or director change; 1 shareholder vote
Planned insider sales1 Form 144 notice in twelve months, $200,786; latest 10 November 2025
Options tapeput/call 0.5 by open interest at the 9 October 2026 close; the straddle prices a 7.6% move to 16 October 2026
13F holders8 of the followed funds hold it; largest FMR LLC; 5 Schedule 13D or 13G filings in twelve months
Insider trading1 sale and 2 purchases on Form 4 in twelve months
Congress0 House trades disclosed in six months
Short interest6.4 million shares short, 8.59 days to cover at 30 September 2026
Documentsthe 10-K, the 10-Qs, the proxy and 4 earnings press releases, each linked

Quarterly results, the last 12 quarters

Q3 FY2023Q4 FY2023 *Q1 FY2024Q2 FY2024Q3 FY2024Q4 FY2024 *Q1 FY2025Q2 FY2025Q3 FY2025Q4 FY2025 *Q1 FY2026Q2 FY2026
Revenue363477316373452453395401482482426430
Cost of revenue178182191203197200213235223226228249
Gross profit185295125170254253181166259255197182
Gross margin51%62%40%46%56%56%46%41%54%53%46%42%
Operating income61.91729.653.712312258.534.912810957.544.6
Operating margin17%36%3%14%27%27%15%9%26%23%14%10%
Interest expense19.819.819.018.518.416.614.714.514.813.812.212.0
Pre-tax income46.7154-7.540.310711071.617.911899.050.438.9
Tax rate19%20%n/a23%24%11%18%32%23%35%24%18%
Net income37.9123-7.830.981.498.658.912.291.264.338.331.8
Net margin10%26%-2%8%18%22%15%3%19%13%9%7%
Diluted EPS$0.35$1.12-$0.07$0.29$0.77$0.93$0.55$0.12$0.88$0.62$0.37$0.31
Operating cash flow25.385.712355.054.012678.249.873.012264.270.8
Capital expenditure3.41.03.21.73.56.92.22.23.45.23.06.9
Free cash flow21.984.812053.350.512076.147.669.611761.263.9
Buybacks0.027.662.557.28.00.014.411916.352.665.341.5
Shares outstanding109m108m106m105m105m105m105m103m103m103m101m101m
Filing10-Q10-K10-Q10-Q10-Q10-K10-Q10-Q10-Q10-K10-Q10-Q
Each quarter as filed, linked to its filing.
Read more* The fourth quarter is the full year less the first three quarters, because the company files the year and not the quarter on its own. A fourth quarter's EPS and diluted share count are from the company's results press release for that quarter, used where the release gives the same revenue and net income as the table. Money is in $ million as the company files it, or in $ billion by the switch above the tables; per share figures and the share count are as they are. Free cash flow is operating cash flow less capital expenditure; the effective tax rate is income tax over pre-tax income; margins are the line over revenue. Gross profit is revenue less cost of revenue, and operating income is revenue less the company's own total costs, where the statement does not print those lines. Cash flow lines filed year to date are the difference between two filings. Shares outstanding are at the period end where the balance sheet tags them, otherwise the count on the filing's cover page. A derived fourth-quarter EPS is left blank when a split in the year makes the arithmetic meaningless.

Income statement (profit and loss), 12 fiscal years and the trailing twelve months

FY2014 †FY2015 †FY2016FY2017FY2018FY2019 †FY2020 †FY2021 †FY2022FY2023FY2024FY2025TTM
Revenue1,0161,0461,0061,0241,0101,2581,2941,3711,4221,4531,5941,7601,820
Cost of revenue430472445452430617622639696719792898927
Gross profit586574561572579641672732726733803862893
Gross margin57.7%54.8%55.8%55.8%57.4%50.9%51.9%53.4%51.0%50.5%50.3%49.0%49.1%
Operating income13812822184.6126124145210204220308330339
Operating margin13.6%12.2%22.0%8.3%12.5%9.8%11.2%15.3%14.3%15.2%19.3%18.7%18.6%
Interest expense39.741.440.239.041.564.056.645.153.278.572.557.852.8
Pre-tax income98.811318643.691.872.298.6175207148250307307
Income tax31.227.956.038.422.95.126.047.364.526.147.380.080.8
Effective tax rate31.6%24.6%30.2%88.2%24.9%7.1%26.3%27.0%31.2%17.7%18.9%26.1%26.4%
Net income67.685.41305.168.967.172.7128142122203227226
Net margin6.6%8.2%12.9%0.5%6.8%5.3%5.6%9.3%10.0%8.4%12.7%12.9%12.4%
Diluted EPS$0.58$0.72$1.09$0.04$0.59$0.57$0.62$1.08$1.24$1.12$1.91$2.16$2.18
Filing10-K10-K10-K10-K10-K10-K10-K10-K10-K10-K10-K10-K
From each year's 10-K, linked; TTM is the last four quarters.
Read moreFree cash flow is operating cash flow less capital expenditure; the effective tax rate is income tax over pre-tax income; margins are the line over revenue. Gross profit is revenue less cost of revenue, and operating income is revenue less the company's own total costs, where the statement does not print those lines. Those four are arithmetic on the filed numbers; everything else is as filed. Money is in $ million as the company files it, or in $ billion by the switch above the tables; per share figures and share counts are as they are. † The year as the company last restated it in a later filing; rest on a figure for the one first filed. EPS is as filed.

Revenue by segment

FY2023FY2024FY2025Share
latest year
Payment Software76786894253.5%
Biller68672781846.5%
Payment SoftwareBiller
1,453FY20231,594FY20241,760FY2025

$ million; hover a block for its figure and share

From the latest 10-K, in the company's own words.
Read moreA year is shown only where the parts add up to the revenue above. Fiscal years are labelled by the year they end in.

Revenue by region

FY2023FY2024FY2025Share
latest year
United States8879311,01457.6%
Other56566374642.4%
United StatesOther
1,453FY20231,594FY20241,760FY2025

$ million; hover a block for its figure and share

From the latest 10-K, in the company's own words.
Read moreA year is shown only where the parts add up to the revenue above. Fiscal years are labelled by the year they end in.

Cash flow and capital returned

FY2014 †FY2015 †FY2016FY2017FY2018FY2019 †FY2020 †FY2021 †FY2022FY2023FY2024FY2025TTM
Operating cash flown/an/a99.8146184133315220143169359323330
Capital expenditure17.627.340.825.718.323.117.820.613.18.915.412.918.4
Free cash flown/an/a59.0120166110297200130160343310311
Free cash flow marginn/an/a5.9%11.8%16.4%8.7%23.0%14.6%9.2%11.0%21.5%17.6%17.1%
Cash from investingn/an/a130-54.4-45.4-830-30.7-45.460.2-37.8-45.17.2-50.6
Cash from financingn/an/a-251-98.1-57.7667-160-257-171-112-288-337-343
Depreciation and amortisation86.797.410310297.312314013312712211196.998.1
Share-based compensation11.018.443.613.720.436.829.627.229.824.541.370.678.3
Buybacks70.0n/a60.137.454.535.628.910720727.6128203176
Dividend per share$0.00$0.00$0.00$0.00n/an/an/an/an/an/an/an/an/a
Diluted shares, weighted117m119m119m119m118m119m118m119m114m109m106m105m102m
Shares outstanding at period end116m119m117m117m116m116m117m116m108m108m105m103m101m
Filing10-K10-K10-K10-K10-K10-K10-K10-K10-K10-K10-K10-K
Cash paid in the year, from the cash flow statement.
Read moreThe dividend per share is as declared. Diluted shares are the weighted average for the year; a falling count is the buybacks net of issuance. TTM sums the last four quarters; the share counts are the latest quarter's.

Balance sheet at year end

FY2014 †FY2015 †FY2016FY2017FY2018FY2019 †FY2020 †FY2021 †FY2022FY2023FY2024FY2025TTM
Funded by
Shareholders' equity5816547557651,0481,1301,2071,2451,1931,3241,4241,5191,497
Debt8929247446866721,3731,1551,0661,0901,038925818822
Operating lease liabilitiesn/an/an/an/a0.046.840.043.333.929.122.622.618.6
Other liabilities3773974034114027089858058931,053654746758
Total liabilities and equity1,8511,9761,9021,8622,1223,2583,3873,1593,2103,4453,0253,1053,095
Owned
Fixed assets60.460.679.080.272.770.464.763.052.537.935.137.438.0
Goodwill7819139109109101,2811,2801,2801,2261,2261,2261,2311,231
Intangible assets261257204191168357322283229196165147n/a
Cash and equivalents77.310275.869.7149121165122125164216196167
Receivables227219268263348151168320404452414446459
Other assets4434243663484751,2781,3871,0901,1741,3699681,0471,200
Total assets1,8511,9761,9021,8622,1223,2583,3873,1593,2103,4453,0253,1053,095
Filing10-K10-K10-K10-K10-K10-K10-K10-K10-K10-K10-K10-K
At the fiscal year end; the TTM column is the latest quarter end.
Read moreBoth totals are the company's own. Other liabilities is the filed total less the rows above it: payables, deferred revenue, taxes, borrowings the rows above do not carry and the rest; other assets is the same on the other side. Investments add the current and non-current lines as filed. Debt is the company's own stated total where it files one, otherwise its long-term debt with the current maturities, never parts added together. A row is left blank in a year where the lines shown overlap and the remainder would fall below nil.

Compounded growth

10 years5 years3 yearsTTM
Sales growth, compounded5.3%6.3%7.4%7.0%
Profit growth, compounded10.2%25.5%16.8%-10.1%
Return on equity, average9.7%12.1%12.8%14.9%
Yearly growth, compounded; TTM is the last four quarters against the four before.
Read moreReturn on equity is net income over shareholders' equity at each year end, averaged over the window (the TTM column is the latest year alone); equity is the parent's shareholders' equity as tagged in the 10-K. Arithmetic on filed numbers, nothing forecast.

Questions

What was ACI Worldwide's revenue in fiscal 2025?

ACI Worldwide (ACIW) reported revenue of $1.8 billion for fiscal 2025, the year ended 31 December 2025, up 10.4% on the year before.

How much did ACI Worldwide earn in fiscal 2025?

Net income was $227 million for fiscal 2025, and diluted earnings per share $2.16.

What is ACI Worldwide's P/E ratio?

At the close of 9 October 2026, ACI Worldwide traded at 23.3 times its earnings over the twelve months to 30 June 2026.

What is ACI Worldwide's market cap?

The market cap of ACI Worldwide was $5.2 billion at the close of 9 October 2026.

How much debt does ACI Worldwide have?

At 30 June 2026 ACI Worldwide carried $822 million of debt and $167 million of cash.

Peers: Business Services

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ICON plc ICLR *$12.6 billion56.612.5%5.4%0.8%0.37n/a
TransUnion TRU$12.5 billion17.2815.2%18.7%12.4%1.110.7%
Gartner Inc. IT$12.1 billion17.13n/a17.3%0.7%n/an/a
Pinterest, Inc. PINS$12.0 billion62.918.6%4.9%16.6%0.34n/a
Costar Group, Inc. CSGP$12.0 billion148.380.9%2.2%22.0%0.13n/a
Manhattan Associates Inc. MANH$12.0 billion58.76133.5%24.3%6.5%0.00n/a
Hubspot Inc. HUBS$11.3 billion80.678.9%3.8%21.1%0.00n/a
Bentley Systems Inc. BSY$11.2 billion38.4224.1%23.6%12.8%1.010.8%
Maplebear Inc. CART$11.1 billion25.9520.7%14.8%12.6%0.00n/a
Paycom Software, Inc. PAYC$10.3 billion24.6985.3%30.3%9.2%1.570.2%
Factset Research Systems Inc. FDS$10.3 billion18.9127.8%29.6%6.6%0.681.6%
Match Group, Inc. MTCH$9.4 billion14.52n/a28.2%1.7%n/a1.8%
Booz Allen Hamilton Holding Corp. BAH$8.9 billion11.6164.7%9.5%-7.3%3.273.0%
Tetra Tech Inc. TTEK$8.5 billion20.0923.5%12.1%-7.6%0.430.8%
Paylocity Holding Corp. PCTY$8.2 billion31.1122.1%21.8%11.0%0.07n/a
Dropbox, Inc. DBX$7.8 billion19.08n/a26.6%-0.0%n/an/a
Healthequity, Inc. HQY$7.7 billion33.4411.9%25.8%7.3%0.47n/a
Aecom ACM$7.6 billion27.1913.1%4.1%-4.2%1.212.0%
Duolingo, Inc. DUOL$7.5 billion17.6429.1%13.7%29.4%0.00n/a
Appfolio Inc. APPF$7.2 billion46.1829.9%17.5%20.7%0.00n/a
Etsy Inc. ETSY$7.1 billion42.85n/a16.0%0.7%n/an/a
UiPath, Inc. PATH$7.1 billion20.1218.6%8.9%15.0%0.00n/a
Qualys, Inc. QLYS$7.0 billion35.0236.7%34.4%10.4%0.00n/a
RingCentral, Inc. RNG$6.9 billion63.43n/a6.7%5.2%n/an/a
Commvault Systems Inc. CVLT$6.5 billion100.15131.2%6.1%15.5%16.94n/a
Bilibili Inc. BILI *$6.4 billion37.927.7%3.7%13.1%0.62n/a
Lyft, Inc. LYFT$6.1 billion2.3694.8%-1.8%10.8%0.35n/a
WEX Inc. WEX$5.9 billion17.1826.1%25.5%7.5%2.62n/a
Pegasystems Inc. PEGA$5.9 billion20.1557.8%9.9%3.6%0.000.3%
Epam Systems, Inc. EPAM$5.8 billion15.3411.4%10.0%10.8%0.01n/a
Genpact Ltd. G$5.8 billion10.2122.4%14.8%6.5%0.452.1%
ExlService Holdings, Inc. EXLS$5.6 billion23.1428.9%14.9%13.6%0.44n/a
Frontdoor, Inc. FTDR$5.5 billion21.2196.1%n/a9.2%4.08n/a
Doximity, Inc. DOCS$5.5 billion35.8718.2%29.6%11.2%0.00n/a
ACI Worldwide, Inc. ACIW$5.2 billion23.3515.1%18.6%7.0%0.550.0%
Remitly Global, Inc. RELY$5.1 billion17.3527.1%9.5%23.8%0.00n/a
BOX Inc. BOX$5.0 billion52.75n/a9.4%9.6%n/an/a
VSE Corp. VSEC$4.9 billionn/an/an/an/a0.320.2%
Amentum Holdings, Inc. AMTM$4.7 billion23.244.3%4.2%11.4%0.81n/a
Clear Secure, Inc. YOU$4.5 billion29.5271.7%25.1%19.8%0.00n/a
Sezzle Inc. SEZL$4.3 billion27.9669.3%40.4%43.1%0.52n/a
Wix.com Ltd. WIX *$4.2 billion87.09n/a0.1%13.2%n/an/a
Bill Holdings, Inc. BILL$4.1 billionn/a-0.3%-4.4%13.0%0.52n/a
FTI Consulting, Inc. FCN$3.8 billion16.4619.0%9.7%7.1%0.76n/a
monday.com Ltd. MNDY *$3.8 billionn/a9.5%-0.1%26.7%0.00n/a
Q2 Holdings, Inc. QTWO$3.7 billion41.8414.3%10.0%13.9%0.00n/a
Korn Ferry KFY$3.6 billion13.5214.0%12.9%6.9%0.202.8%
Life360, Inc. LIF$3.5 billion25.2324.0%1.1%34.0%0.51n/a
Robert Half Inc. RHI$3.5 billion29.509.5%n/a-4.9%0.007.0%
Exponent Inc. EXPO$3.3 billion31.3038.7%20.2%12.8%0.001.7%
First Advantage Corp. FA$3.3 billion136.001.9%10.7%32.9%1.577.9%
Maximus, Inc. MMS$3.1 billion8.7721.3%11.0%-3.3%0.942.0%
People Inc. PPLI$3.1 billionn/an/an/an/a0.27n/a
WillScot Holdings Corp. WSC$3.1 billionn/a-7.6%6.5%-2.5%3.800.0%
SPS Commerce Inc. SPSC$3.1 billion40.848.3%12.8%9.8%0.00n/a
ABM Industries Inc. ABM$2.9 billion17.919.3%3.5%6.0%0.972.1%
Teradata Corp. TDC$2.8 billion6.4477.2%7.5%1.0%0.00n/a
Alarm.com Holdings, Inc. ALRM$2.7 billion24.6413.6%12.8%8.7%0.570.0%
Five9, Inc. FIVN$2.7 billion52.757.6%4.7%8.9%0.94n/a
CarGurus, Inc. CARG$2.6 billion15.6966.6%n/a13.9%0.00n/a
ManpowerGroup Inc. MAN$2.5 billion24.004.9%1.5%6.7%0.272.7%
Payoneer Global Inc. PAYO$2.4 billion51.007.7%10.4%6.3%0.00n/a
LiveRamp Holdings, Inc. RAMP$2.3 billion15.3915.9%11.6%8.9%0.00n/a
PDF Solutions Inc. PDFS$2.3 billion217.602.8%8.2%23.0%0.18n/a
V2X, Inc. VVX$2.2 billion24.538.1%4.2%13.0%0.92n/a
Astrana Health, Inc. ASTH$2.1 billion45.834.9%2.6%58.9%1.06n/a
Neogenomics Inc. NEO$2.1 billionn/a-6.6%-8.9%11.2%0.48n/a
DoubleVerify Holdings, Inc. DV$2.1 billion37.475.4%12.7%7.6%0.00n/a
Blackbaud Inc. BLKB$2.1 billionn/an/a19.8%0.6%16.820.3%
DXC Technology Co. DXC$2.0 billion17.704.1%7.2%-2.4%0.986.8%
Western Union Co. WU$1.9 billion4.9743.2%15.9%-1.6%2.7415.4%
Insperity, Inc. NSP$1.9 billionn/a-26.2%-0.0%2.6%6.874.9%
Evertec, Inc. EVTC$1.8 billion19.2715.2%17.9%12.4%1.900.7%
Blackline, Inc. BL$1.7 billion52.3011.0%4.3%8.6%2.11n/a
Liquidity Services Inc. LQDT$1.6 billion42.3014.1%9.0%5.2%0.00n/a
Progress Software Corp. PRGS$1.6 billion18.1317.4%17.7%6.4%2.330.0%
Concentrix Corp. CNXC$1.6 billionn/a-135.2%-20.9%2.6%2.22n/a
Everforth Inc. EFOR$1.5 billion19.344.6%4.9%-1.0%0.80n/a
AMN Healthcare Services Inc. AMN$1.4 billion13.5814.2%5.8%24.0%1.00n/a
Certara, Inc. CERT$1.4 billionn/a-7.1%-0.2%0.7%0.30n/a
Arlo Technologies, Inc. ARLO$1.3 billion45.9319.3%2.7%15.6%0.00n/a
Sprinklr, Inc. CXM$1.3 billion55.104.5%5.3%6.3%0.00n/a
Prog Holdings, Inc. PRG$1.2 billionn/an/an/an/a1.101.7%
Donnelley Financial Solutions, Inc. DFIN$1.2 billion33.399.1%18.9%3.0%0.53n/a
ZoomInfo Technologies Inc. GTM$1.1 billionn/a-65.3%-35.2%2.7%1.53n/a
Upwork, Inc. UPWK$1.1 billion11.1816.7%15.1%1.9%0.59n/a
TripAdvisor, Inc. TRIP$1.0 billion867.000.8%2.7%-4.4%1.230.0%
Legalzoom.Com, Inc. LZ$1,000 million66.3313.3%4.1%12.3%0.00n/a
Healthstream Inc. HSTM$969 million46.045.9%8.0%8.8%0.000.4%
Upbound Group, Inc. UPBD$898 million9.9312.3%5.1%5.9%1.9410.1%
Quinstreet, Inc. QNST$888 million11.1525.1%2.7%18.3%0.22n/a
N-able, Inc. NABL$874 millionn/a-0.9%9.5%10.0%0.49n/a
Sabre Corp. SABR$765 millionn/an/an/an/an/a0.0%
ADT Inc. ADTn/an/a17.6%25.0%2.1%2.243.4%
55 companies share its SEC industry code (Services-Prepackaged Software); the rest are the names nearest in size in its wider industry, Business Services, one of the Fama-French 48 industries, a published grouping of SEC industry codes.
Read moreBy market capitalisation; a click on a heading sorts by it, largest first, and a second click turns it round. Each figure is the same arithmetic as the ratio box above, on each company's own filings and latest close; a name marked * is a foreign company that files once a year, on its latest fiscal year.

Filings

FilingPeriodFiledWhere
10-Q30 June 20266 August 2026EDGAR
10-Q31 March 20267 May 2026EDGAR
10-K31 December 202526 February 2026EDGAR
10-Q30 September 20256 November 2025EDGAR
10-Q30 June 20257 August 2025EDGAR
10-Q31 March 20258 May 2025EDGAR
10-K31 December 202427 February 2025EDGAR
10-Q30 September 20247 November 2024EDGAR
10-Q30 June 20241 August 2024EDGAR
10-Q31 March 202430 April 2024EDGAR

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