ACI Worldwide (ACIW) FY2025 results: revenue $1.8 billion, up 10.4% on the year
ACI Worldwide, Inc. (ACIW) reported revenue of $1.8 billion for fiscal 2025, the year ended 31 December 2025, up 10.4% on the year before. Net income was $227 million, up 11.6%, and diluted earnings per share $2.16. The figures are the company's own, from the 10-K it filed with the SEC on 26 February 2026.
Revenue
$1.8 billion
+10.4% on the year
FY2018FY2025
Operating margin
18.7%
19.3% a year earlier
FY2018FY2025
Net income
$227 million
+11.6% on the year
FY2018FY2025
Diluted EPS
$2.16
+13.1% on the year
FY2018FY2025
this yearthe year beforeHover a bar for its figure.
The year in brief
What management said about the year
Guidance figures: 5 new.
Full-year revenue and recurring revenue grew: Full-year 2025 total revenue was $1.76 billion, up 10%, and recurring revenue was $1.21 billion, up 11%. Recurring revenue covers SaaS, PaaS and maintenance fees.
Fourth-quarter revenue rose 6%: Fourth-quarter revenue was $481.6 million, against $453.0 million a year earlier. Fourth-quarter recurring revenue was $304.0 million, up from $270.2 million.
Biller revenue grew 13% in 2025: Biller segment revenue was $817.7 million for 2025, up 13%. Segment adjusted EBITDA was $140.7 million, up 7%.
Connetic signed a major UK bank: The release says a major UK bank was signed for Connetic in the fourth quarter, extending the cloud-native payments hub platform's geographic reach.
Fourth-quarter net income and EPS fell: Fourth-quarter net income was $64.3 million, against $98.6 million, and diluted EPS was $0.62, against $0.93. Income tax expense was $34.7 million, against $11.7 million a year earlier.
$ million except per share. 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.
Cash flow
$ million
FY2025
FY2024
FY2023
On the year
Last 8 years
Operating cash flow
323
359
169
-10.0%
Capital expenditure
12.9
15.4
8.9
-16.2%
Free cash flow
310
343
160
-9.7%
Free cash flow margin
17.6%
21.5%
11.0%
Cash from investing
7.2
-45.1
-37.8
Cash from financing
-337
-288
-112
Depreciation and amortisation
96.9
111
122
-12.6%
Share-based compensation
70.6
41.3
24.5
+71.1%
Buybacks
203
128
27.6
+58.7%
Diluted shares, weighted
105m
106m
109m
-1.6%
Shares outstanding at period end
103m
105m
108m
-2.4%
Balance sheet
$ million
FY2025
FY2024
FY2023
On the year
Last 8 years
Shareholders' equity
1,519
1,424
1,324
+6.7%
Debt
818
925
1,038
-11.6%
Operating lease liabilities
22.6
22.6
29.1
+0.1%
Other liabilities
746
654
1,053
+14.0%
Total liabilities and equity
3,105
3,025
3,445
+2.6%
Fixed assets
37.4
35.1
37.9
+6.5%
Goodwill
1,231
1,226
1,226
+0.4%
Intangible assets
147
165
196
-11.1%
Cash and equivalents
196
216
164
-9.2%
Receivables
446
414
452
+7.6%
Other assets
1,047
968
1,369
+8.2%
Total assets
3,105
3,025
3,445
+2.6%
10-K for the year ended 31 December 2025, filed 26 February 2026: the filing.