What is ACI Worldwide, Inc.'s earnings per share (EPS)?

ACI Worldwide, Inc. (ACIW) reported diluted earnings per share of $2.16 for fiscal year 2025. This represents a 13.1% change compared to the previous fiscal year. EPS represents the portion of a company's net income allocated to each outstanding share of common stock and is widely used to evaluate profitability on a per-share basis.

ACI Worldwide, Inc. (ACIW) Financials

ACIW

Trailing 12 months to June 30, 2026

Revenue $1.8B +7.0% YoY

Net Income $225.7M -10.1% YoY

EPS (Diluted) $2.18 -8.0% YoY

Free Cash Flow $311.4M +6.0% YoY

Market Cap $5.1B as of Oct 7, 2026

Price / Sales 2.8x on $1.8B revenue, trailing 12 months to June 30, 2026

Price / Earnings 22.7x on $225.7M net income, trailing 12 months to June 30, 2026

Price / Book 3.4x on $1.5B equity, Q2 FY2026

A multiple compares the market's price with a filed figure; it says what the market pays, not how the business is doing. The market capitalization is the vendor's as of Oct 7, 2026; every other figure is from the SEC filings on this page. Not financial advice.

Source SEC Filings (10-K/10-Q) Latest period Q2 FY2026, ended Jun 30, 2026 Reported Aug 6, 2026 Currency USD FYE December

Newest figures come from the 10-Q for Q2 FY2026, filed Aug 6, 2026. Each column of the statement tables below links to the filing it was taken from, and every filing is listed on the ACIW SEC filings page.

ACI Worldwide, Inc. (ACIW) reported $1.8B in revenue over the twelve months to Jun 30, 2026, up 7.0% from the prior twelve months. This page shows its income statement, balance sheet, cash flow statement, and key financial ratios. View 15 years of annual fundamentals and quarterly data, with year-over-year growth rates and compound annual growth rates (CAGR). All figures are derived from SEC filings (10-K and 10-Q reports).

Rhea AI ACIW FY2025 2026-10-03

Revenue growth is translating into higher operating profitability while debt falls, though gross margin has steadily narrowed.

From FY2021 to FY2025, gross margin contracted from 53.4% to 49.0% even as operating margin expanded from 15.3% to 18.8%. The business is therefore retaining more profit below gross profit, suggesting improved operating efficiency rather than better underlying unit economics; meanwhile, free-cash-flow margin remained positive at 17.6% in FY2025, supporting the quality of reported earnings.

Operating leverage emerged after FY2023: revenue reached $1.76B in FY2025, while operating income increased faster than sales over the period. That widening between gross and operating performance means cost structure and expense allocation mattered more than gross-margin expansion.

Financial flexibility improved on two fronts. Debt-to-equity declined from 0.8x in FY2021 to 0.5x in FY2025, while the current ratio remained above 1.5x in the latest year. The combination indicates a less debt-dependent balance sheet and a larger short-term asset cushion, even as financing cash flow stayed negative because the company continued returning capital through buybacks.

Financial Health Signals

Financial Health Score 65/100

Scored against operating companies for FY2025. Each of the six dimensions is a percentile rank within that peer group; the overall is their average, with missing dimensions counted as zero out of six. A high score means strong standing among peers, not absolute cross-industry strength. How this score is calculated →

Health score ≠ stock price. This rates the quality of ACI Worldwide, Inc.'s business: profitability, growth, balance sheet strength. It doesn't tell you whether the stock is a good buy at today's price. Not financial advice. Use it alongside valuation analysis and your own research.

Profitability

ACI Worldwide, Inc. has an operating margin of 18.8%, meaning the company retains $19 of operating profit per $100 of revenue. This strong profitability earns a score of 82/100, reflecting efficient cost management and pricing power. This is down from 19.3% the prior year.

Growth

ACI Worldwide, Inc.'s revenue grew 10.4% year-over-year to $1.8B, a solid pace of expansion. This earns a growth score of 65/100.

Leverage

ACI Worldwide, Inc. has a moderate D/E ratio of 0.51. This balance of debt and equity financing earns a leverage score of 40/100.

Liquidity

ACI Worldwide, Inc.'s current ratio of 1.54 indicates adequate short-term liquidity, earning a score of 43/100. The company can meet its near-term obligations, though with limited headroom.

Cash Flow

ACI Worldwide, Inc. converts 17.6% of revenue into free cash flow ($309.9M). This strong cash generation earns a score of 83/100.

Returns

ACI Worldwide, Inc. earns a strong 14.9% return on equity (ROE), meaning it generates $15 of profit for every $100 of shareholders' equity. This efficient capital use earns a returns score of 76/100. This is up from 14.3% the prior year.

Altman Z-Score Safe

3.82

ACI Worldwide, Inc. scores 3.82, well above the 2.99 safe threshold. The score is driven primarily by a large market capitalization ($5.1B) relative to total liabilities ($1.6B). This indicates low bankruptcy risk based on profitability, leverage, and asset efficiency.

Distress-screening estimate for non-financial companies. Not computed for banks or insurers, where the Altman model does not apply.

Piotroski F-Score Strong

7/9

ACI Worldwide, Inc. passes 7 of 9 financial strength tests. All 4 profitability signals pass (positive income, cash flow, and earnings quality), 2 of 3 leverage/liquidity signals pass, 1 of 2 efficiency signals pass.

Earnings Quality Cash-Backed

1.42x

For every $1 of reported earnings, ACI Worldwide, Inc. generates $1.42 in operating cash flow ($322.8M OCF vs $226.7M net income). This indicates profits are well-supported by actual cash generation, not accounting adjustments.

Interest Coverage Safe

5.70x

ACI Worldwide, Inc. earns $5.70 in operating income for every $1 of interest expense ($329.9M vs $57.8M). This wide margin provides strong safety for debt servicing, even if earnings decline temporarily.

Key Financial Metrics

Export CSV

Earnings & Revenue

Revenue

$430.4M

YoY+7.3%

QoQ+1.1%

5Y CAGR+7.4%

10Y CAGR+6.9%

ACI Worldwide, Inc. generated $430.4M in revenue in Q2 2026. This represents an increase of 7.3% from the same quarter a year earlier. Against the prior quarter it is up 1.1%.

EBITDA

$68.6M

YoY+16.3%

QoQ-17.1%

5Y CAGR+7.0%

ACI Worldwide, Inc.'s EBITDA was $68.6M in Q2 2026, measuring earnings before interest, taxes, depreciation, and amortization. This represents an increase of 16.3% from the same quarter a year earlier. Against the prior quarter it is down 17.1%.

Net Income

$31.8M

YoY+160.6%

QoQ-17.0%

5Y CAGR+37.4%

ACI Worldwide, Inc. reported $31.8M in net income in Q2 2026. This represents an increase of 160.6% from the same quarter a year earlier. Against the prior quarter it is down 17.0%.

EPS (Diluted)

$0.31

YoY+158.3%

QoQ-16.2%

5Y CAGR+44.0%

ACI Worldwide, Inc. earned $0.31 per diluted share (EPS) in Q2 2026. This represents an increase of 158.3% from the same quarter a year earlier. Against the prior quarter it is down 16.2%.

Cash & Balance Sheet

Free Cash Flow

$63.9M

YoY+34.2%

QoQ+4.4%

5Y CAGR+15.2%

10Y CAGR+27.9%

ACI Worldwide, Inc. generated $63.9M in free cash flow in Q2 2026, representing cash available after capex. This represents an increase of 34.2% from the same quarter a year earlier. Against the prior quarter it is up 4.4%.

Cash & Debt

$167.4M

YoY-11.8%

QoQ+3.5%

5Y CAGR+2.7%

10Y CAGR+12.3%

ACI Worldwide, Inc. held $167.4M in cash against $781.2M in long-term debt as of Q2 2026.

Shares Outstanding

101M

YoY-2.2%

QoQ-0.7%

5Y CAGR-3.0%

10Y CAGR-1.5%

ACI Worldwide, Inc. had 101M shares outstanding in Q2 2026. This represents a decrease of 2.2% from the same quarter a year earlier. Against the prior quarter it is down 0.7%.

Dividends Per Share

Not reported for Q2 2026.

Margins & Returns

Gross Margin

42.2%

YoY+0.7pp

QoQ-4.2pp

5Y change-5.2pp

10Y change-5.4pp

ACI Worldwide, Inc.'s gross margin was 42.2% in Q2 2026, indicating the percentage of revenue retained after direct costs. This is up 0.7 percentage points from the same quarter a year earlier. Against the prior quarter it is down 4.2 percentage points.

Operating Margin

10.4%

YoY+1.7pp

QoQ-3.1pp

5Y change+5.3pp

10Y change+22.4pp

ACI Worldwide, Inc.'s operating margin was 10.4% in Q2 2026, reflecting core business profitability. This is up 1.7 percentage points from the same quarter a year earlier. Against the prior quarter it is down 3.1 percentage points.

Net Margin

7.4%

YoY+4.3pp

QoQ-1.6pp

5Y change+5.2pp

10Y change+14.9pp

ACI Worldwide, Inc.'s net profit margin was 7.4% in Q2 2026, showing the share of revenue converted to profit. This is up 4.3 percentage points from the same quarter a year earlier. Against the prior quarter it is down 1.6 percentage points.

Return on Equity

2.1%

YoY+1.2pp

QoQ-0.4pp

5Y change+1.6pp

10Y change+4.5pp

ACI Worldwide, Inc.'s ROE was 2.1% in Q2 2026, measuring profit generated per dollar of shareholder equity. This is up 1.2 percentage points from the same quarter a year earlier. Against the prior quarter it is down 0.4 percentage points.

Capital Allocation

Share Buybacks

$41.5M

YoY-65.3%

QoQ-36.5%

5Y CAGR+1.0%

ACI Worldwide, Inc. spent $41.5M on share buybacks in Q2 2026, returning capital to shareholders by reducing shares outstanding. This represents a decrease of 65.3% from the same quarter a year earlier. Against the prior quarter it is down 36.5%.

Capital Expenditures

$6.9M

YoY+217.8%

QoQ+128.2%

5Y CAGR+12.9%

10Y CAGR-6.6%

ACI Worldwide, Inc. invested $6.9M in capex in Q2 2026, funding long-term assets and infrastructure. This represents an increase of 217.8% from the same quarter a year earlier. Against the prior quarter it is up 128.2%.

R&D Spending

Not reported for Q2 2026.

ACIW Income Statement

Figures in USD, abbreviated K (thousand), M (million), B (billion), T (trillion). Negative values carry a minus sign and red type. Each change compares the year with the year before it, and each quarter with the same quarter a year earlier.

ACIW quarterly income statement

Metric	TTM	FY2510-K	FY2410-K	FY2310-K	FY2210-K	FY2110-K	FY2010-K	FY1910-K	FY1810-K	FY1710-K	FY1610-K	FY1510-K	FY1410-K	FY1310-K	FY1210-K	FY1110-K
Revenue	$1.8B	$1.8B+10.4%	$1.6B+9.8%	$1.5B+2.2%	$1.4B+3.7%	$1.4B+5.9%	$1.3B+2.9%	$1.3B+24.6%	$1.0B-1.4%	$1.0B+1.8%	$1.0B-3.9%	$1.0B+2.9%	$1.0B+17.5%	$864.9M+29.8%	$666.6M+43.3%	$465.1M
Cost of Revenue	$926.8M	$897.7M+13.4%	$791.8M+10.1%	$719.2M+3.3%	$696.1M+9.0%	$638.9M+2.6%	$622.5M+0.8%	$617.5M+43.5%	$430.4M-4.8%	$452.3M+1.7%	$444.9M-5.8%	$472.3M	N/A	N/A	N/A	N/A
Gross Profit	$893.3M	$862.1M+7.4%	$802.5M+9.4%	$733.4M+1.0%	$725.8M-0.8%	$731.7M+8.9%	$671.9M+4.8%	$640.8M+10.6%	$579.4M+1.3%	$571.9M+2.0%	$560.8M-2.2%	$573.7M	N/A	N/A	N/A	N/A
R&D Expenses	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	$90.2M
SG&A Expenses	$152.2M	$142.7M+20.6%	$118.4M+1.0%	$117.2M+2.6%	$114.2M-7.8%	$123.8M-18.8%	$152.5M+12.7%	$135.3M+25.9%	$107.4M-29.8%	$153.0M+34.7%	$113.6M+30.0%	$87.4M-8.0%	$95.1M-4.3%	$99.3M-8.7%	$108.7M+52.3%	$71.4M
Operating Income	$338.7M	$329.9M+7.1%	$308.1M+39.8%	$220.4M+8.1%	$203.8M-2.9%	$209.9M+45.0%	$144.7M+17.0%	$123.8M-1.7%	$125.9M+48.8%	$84.6M-61.7%	$221.1M+72.8%	$127.9M-7.4%	$138.2M+12.3%	$123.0M+65.4%	$74.4M+12.3%	$66.2M
EBITDA	N/A	$426.9M+1.9%	$419.1M+22.3%	$342.8M+3.5%	$331.2M-3.5%	$343.3M+20.4%	$285.1M+15.7%	$246.3M+10.3%	$223.3M+19.5%	$186.9M-42.4%	$324.6M+44.0%	$225.4M+0.2%	$224.9M+16.5%	$193.0M+54.2%	$125.2M+32.3%	$94.6M
Interest Expense	$52.8M	$57.8M-20.2%	$72.5M-7.7%	$78.5M+47.5%	$53.2M+18.0%	$45.1M-20.4%	$56.6M-11.6%	$64.0M+54.2%	$41.5M+6.5%	$39.0M-2.9%	$40.2M-2.9%	$41.4M+4.1%	$39.7M+46.0%	$27.2M+161.3%	$10.4M+328.5%	$2.4M
Income Tax	$80.8M	$80.0M+69.2%	$47.3M+81.1%	$26.1M-59.5%	$64.5M+36.3%	$47.3M+82.1%	$26.0M+404.4%	$5.1M-77.5%	$22.9M-40.5%	$38.4M-31.4%	$56.0M+100.6%	$27.9M-10.5%	$31.2M+6.5%	$29.3M+78.4%	$16.4M-11.0%	$18.5M
Net Income	$225.7M	$226.7M+11.6%	$203.1M+67.2%	$121.5M-14.5%	$142.2M+11.3%	$127.8M+75.9%	$72.7M+8.3%	$67.1M-2.7%	$68.9M+1242.2%	$5.1M-96.0%	$129.5M+51.6%	$85.4M+26.5%	$67.6M+5.8%	$63.9M+30.8%	$48.8M+6.5%	$45.9M
EPS (Basic)	N/A	$2.18+13.0%	$1.93+72.3%	$1.12-10.4%	$1.25+14.7%	$1.09+75.8%	$0.62+6.9%	$0.58-1.7%	$0.59+1375.0%	$0.04-96.4%	$1.10+50.7%	$0.73+23.7%	$0.59+9.3%	$0.54+28.6%	$0.42-69.3%	$1.37
EPS (Diluted)	$2.18	$2.16+13.1%	$1.91+70.5%	$1.12-9.7%	$1.24+14.8%	$1.08+74.2%	$0.62+8.8%	$0.57-3.4%	$0.59+1375.0%	$0.04-96.3%	$1.09+51.4%	$0.72+24.1%	$0.58	$0.53+29.3%	$0.41	$1.34
Diluted Shares (Avg)	N/A	105M-1.6%	106M-2.2%	109M-4.7%	114M-3.7%	119M+0.5%	118M-0.4%	119M+0.8%	118M-1.5%	119M+0.5%	119M-0.1%	119M+1.8%	117M	120M+0.3%	120M	34M

Metric	Q2'2610-Q	Q1'2610-Q	Q4'2510-Q	Q3'2510-Q	Q2'2510-Q	Q1'2510-Q	Q4'2410-K	Q3'2410-Q
Revenue	$430.4M+7.3%	$425.7M+7.9%	$481.6M+6.3%	$482.4M+6.8%	$401.3M+7.4%	$394.6M+24.9%	$453.0M-4.9%	$451.8M+24.4%
Cost of Revenue	$248.8M+6.0%	$228.5M+7.1%	$226.3M+13.1%	$223.1M+13.1%	$234.8M+15.5%	$213.4M+11.7%	$200.1M+10.1%	$197.4M+11.1%
Gross Profit	$181.6M+9.1%	$197.3M+8.9%	$255.3M+0.9%	$259.2M+1.9%	$166.5M-2.2%	$181.2M+45.1%	$253.0M-14.2%	$254.4M+37.2%
SG&A Expenses	$34.5M-8.4%	$40.2M+45.8%	$43.4M+29.7%	$34.1M+0.4%	$37.7M+50.6%	$27.6M+6.1%	$33.4M+36.4%	$33.9M+13.8%
Operating Income	$44.6M+28.1%	$57.5M-1.8%	$108.8M-11.0%	$127.7M+4.2%	$34.9M-35.1%	$58.5M+512.1%	$122.3M-29.0%	$122.6M+98.0%
EBITDA	$68.6M+16.3%	$82.7M+0.3%	$133.6M-8.9%	$151.8M-1.5%	$59.0M-27.5%	$82.5M+122.0%	$146.5M-27.2%	$154.1M+66.8%
Interest Expense	$12.0M-17.5%	$12.2M-16.9%	$13.8M-16.9%	$14.8M-19.3%	$14.5M-21.4%	$14.7M-22.8%	$16.6M-16.2%	$18.4M-7.5%
Income Tax	$7.1M+25.7%	$12.1M-5.1%	$34.7M+196.5%	$26.9M+3.9%	$5.7M-40.0%	$12.8M+4379.6%	$11.7M-62.9%	$25.9M+195.4%
Net Income	$31.8M+160.6%	$38.3M-34.9%	$64.3M-34.7%	$91.3M+12.1%	$12.2M-60.5%	$58.9M+859.5%	$98.6M-19.6%	$81.4M+114.8%
EPS (Basic)	$0.31+158.3%	$0.38-32.1%	$0.62-34.0%	$0.88+12.8%	$0.12-58.6%	$0.56+900.0%	$0.94-16.8%	$0.78+122.9%
EPS (Diluted)	$0.31+158.3%	$0.37-32.7%	$0.62-33.3%	$0.88+14.3%	$0.12-58.6%	$0.55+885.7%	$0.93-17.7%	$0.77+120.0%
Diluted Shares (Avg)	102M-3.3%	103M-3.7%	N/A	104M-2.0%	105M-1.0%	107M0.0%	N/A	106M-2.7%

Not reported in any period shown, so not listed: R&D Expenses.

ACIW Balance Sheet

ACIW quarterly balance sheet

Metric	FY2510-K	FY2410-K	FY2310-K	FY2210-K	FY2110-K	FY2010-K	FY1910-K	FY1810-K	FY1710-K	FY1610-K	FY1510-K	FY1410-K	FY1310-K	FY1210-K	FY1110-K
Total Assets	$3.1B+2.6%	$3.0B-12.2%	$3.4B+7.3%	$3.2B+1.6%	$3.2B-6.7%	$3.4B+4.0%	$3.3B+53.5%	$2.1B+14.0%	$1.9B-2.1%	$1.9B-3.7%	$2.0B+6.8%	$1.9B+10.0%	$1.7B+34.5%	$1.3B+88.2%	$664.6M
Current Assets	$1.1B+9.9%	$990.8M-29.6%	$1.4B+26.2%	$1.1B+18.9%	$937.4M-18.8%	$1.2B+25.5%	$920.4M+62.5%	$566.5M+34.3%	$421.8M+3.4%	$408.0M+6.7%	$382.5M+2.3%	$373.9M-14.3%	$436.4M+22.5%	$356.1M+4.2%	$341.9M
Cash & Equivalents	$196.5M-9.2%	$216.4M+31.8%	$164.2M+31.4%	$125.0M+2.4%	$122.1M-26.2%	$165.4M+36.2%	$121.4M-18.3%	$148.5M+113.0%	$69.7M-8.0%	$75.8M-25.9%	$102.2M+32.3%	$77.3M-18.7%	$95.1M+24.5%	$76.3M-61.3%	$197.1M
Short-Term Investments	$0	$0	$0	$0	$0	$0	$0	$0	$0	$0	$0	$0	$0	$0	$0
Accounts Receivable	$445.9M+7.6%	$414.4M-8.4%	$452.3M+12.0%	$403.8M+26.0%	$320.4M+91.2%	$167.6M+11.2%	$150.7M-56.7%	$348.2M+32.5%	$262.8M-2.0%	$268.2M+22.4%	$219.1M-3.5%	$227.1M+11.6%	$203.6M-6.3%	$217.3M+132.8%	$93.4M
Long-Term Investments	$0	$0	$0	$0	$0	$0	$0	$0	$0	$0	$0	$0	$0	$0	$0
Goodwill	$1.2B+0.4%	$1.2B0.0%	$1.2B0.0%	$1.2B-4.2%	$1.3B0.0%	$1.3B0.0%	$1.3B+40.8%	$909.7M0.0%	$909.7M0.0%	$909.7M-0.4%	$913.3M+16.9%	$781.2M+16.7%	$669.2M+33.5%	$501.1M0.0%	$501.1M
Total Liabilities	$1.6B-0.9%	$1.6B-24.5%	$2.1B+5.1%	$2.0B+5.4%	$1.9B-12.2%	$2.2B+2.5%	$2.1B+98.1%	$1.1B-2.1%	$1.1B-4.4%	$1.1B-13.2%	$1.3B+4.1%	$1.3B+11.5%	$1.1B+58.8%	$716.5M+106.3%	$347.3M
Current Liabilities	$705.6M+17.1%	$602.6M-41.9%	$1.0B+20.8%	$858.8M+13.9%	$754.2M-16.7%	$905.6M+48.0%	$612.0M+106.3%	$296.6M-7.8%	$321.8M-14.5%	$376.4M-2.2%	$384.9M+1.7%	$378.6M+9.5%	$345.6M+29.6%	$266.6M+17.4%	$227.1M
Non-Current Liabilities	$880.2M-11.8%	$998.3M-7.8%	$1.1B-6.4%	$1.2B-0.2%	$1.2B-9.0%	$1.3B-15.9%	$1.5B+94.9%	$777.6M+0.3%	$775.3M+0.6%	$771.0M-17.7%	$936.5M+5.1%	$890.7M+12.4%	$792.6M+76.2%	$449.9M+274.1%	$120.3M
Long-Term Debt	$776.7M-12.7%	$889.6M-7.7%	$963.6M-5.9%	$1.0B+0.4%	$1.0B-9.0%	$1.1B-16.3%	$1.3B+105.7%	$651.0M-2.5%	$667.9M+2.2%	$653.6M-21.7%	$834.4M+3.7%	$804.6M+13.6%	$708.1M+98.5%	$356.8M	N/A
Total Equity	$1.5B+6.7%	$1.4B+7.6%	$1.3B+11.0%	$1.2B-4.1%	$1.2B+3.2%	$1.2B+6.8%	$1.1B+7.8%	$1.0B+37.1%	$764.6M+1.3%	$754.9M+15.4%	$654.4M+12.6%	$581.4M+6.9%	$543.7M+1.7%	$534.4M+68.4%	$317.3M
Retained Earnings	$1.8B+14.2%	$1.6B+14.6%	$1.4B+9.5%	$1.3B+12.6%	$1.1B+12.7%	$1.0B+7.8%	$930.8M+7.8%	$863.8M+56.8%	$550.9M+0.9%	$545.7M+30.9%	$416.9M+25.8%	$331.4M+25.6%	$263.9M+31.9%	$200.0M+32.3%	$151.1M

Metric	Q2'2610-Q	Q1'2610-Q	Q4'2510-Q	Q3'2510-Q	Q2'2510-Q	Q1'2510-Q	Q4'2410-K	Q3'2410-Q
Total Assets	$3.1B-1.4%	$3.1B-3.1%	$3.1B+2.6%	$3.2B+2.2%	$3.1B-6.7%	$3.2B-2.9%	$3.0B-12.2%	$3.1B-5.0%
Current Assets	$1.1B0.0%	$1.1B-6.3%	$1.1B+9.9%	$1.2B+7.2%	$1.1B-17.1%	$1.2B-6.9%	$990.8M-29.6%	$1.1B-11.5%
Cash & Equivalents	$167.4M-11.8%	$161.8M-29.7%	$196.5M-9.2%	$199.3M+12.0%	$189.7M+20.8%	$230.1M+25.4%	$216.4M+31.8%	$177.9M+27.5%
Short-Term Investments	$0	$0	$0	$0	$0	$0	$0	$0
Accounts Receivable	$459.3M+15.3%	$456.8M+18.3%	$445.9M+7.6%	$460.5M+8.5%	$398.2M+7.9%	$386.1M+11.9%	$414.4M-8.4%	$424.5M+14.5%
Long-Term Investments	$0	$0	$0	$0	$0	$0	$0	$0
Goodwill	$1.2B+0.4%	$1.2B+0.4%	$1.2B+0.4%	$1.2B0.0%	$1.2B0.0%	$1.2B0.0%	$1.2B0.0%	$1.2B0.0%
Total Liabilities	$1.6B-8.4%	$1.6B-6.8%	$1.6B-0.9%	$1.7B-4.6%	$1.7B-18.0%	$1.7B-15.8%	$1.6B-24.5%	$1.8B-13.7%
Current Liabilities	$723.4M-6.6%	$739.4M-8.1%	$705.6M+17.1%	$737.1M+5.7%	$774.6M-25.8%	$804.5M-15.2%	$602.6M-41.9%	$697.3M-26.3%
Non-Current Liabilities	$875.1M-9.8%	$864.6M-5.6%	$880.2M-11.8%	$944.6M-11.4%	$970.2M-10.5%	$916.1M-16.3%	$998.3M-7.8%	$1.1B-2.9%
Long-Term Debt	$781.2M-8.9%	$766.4M-5.5%	$776.7M-12.7%	$826.9M-13.8%	$857.1M-11.9%	$810.9M-17.4%	$889.6M-7.7%	$959.4M-2.8%
Total Equity	$1.5B+7.4%	$1.5B+1.2%	$1.5B+6.7%	$1.5B+11.2%	$1.4B+12.7%	$1.5B+17.9%	$1.4B+7.6%	$1.3B+9.8%
Retained Earnings	$1.9B+13.5%	$1.9B+12.4%	$1.8B+14.2%	$1.8B+17.4%	$1.7B+17.7%	$1.7B+19.4%	$1.6B+14.6%	$1.5B+17.9%

Not reported in any period shown, so not listed: Inventory.

ACIW Cash Flow Statement

ACIW quarterly cash flow statement

Metric	TTM	FY2510-K	FY2410-K	FY2310-K	FY2210-K	FY2110-K	FY2010-K	FY1910-K	FY1810-K	FY1710-K	FY1610-K	FY1510-K	FY1410-K	FY1310-K	FY1210-K	FY1110-K
Operating Cash Flow	$329.8M	$322.8M-10.0%	$358.7M+112.9%	$168.5M+17.5%	$143.4M-35.0%	$220.5M-30.0%	$314.9M+137.5%	$132.6M-27.9%	$183.9M+25.8%	$146.2M+46.4%	$99.8M-46.9%	$188.0M+16.9%	$160.8M+16.2%	$138.4M+1594.0%	-$9.3M-111.1%	$83.5M
Depreciation & Amortization	N/A	$96.9M-12.6%	$111.0M-9.3%	$122.4M-3.9%	$127.3M-4.5%	$133.4M-4.9%	$140.3M+14.5%	$122.6M+25.9%	$97.3M-4.8%	$102.2M-1.2%	$103.5M+6.2%	$97.4M+12.4%	$86.7M+23.9%	$70.0M+37.8%	$50.8M+79.0%	$28.4M
Stock-Based Compensation	N/A	$70.6M+71.1%	$41.3M+68.2%	$24.5M-17.5%	$29.8M+9.2%	$27.2M-8.0%	$29.6M-19.5%	$36.8M+80.6%	$20.4M+48.8%	$13.7M-68.6%	$43.6M+137.3%	$18.4M+66.4%	$11.0M-18.6%	$13.6M-10.6%	$15.2M+34.9%	$11.3M
Capital Expenditures	$18.4M	$12.9M-16.2%	$15.4M+72.6%	$8.9M-31.9%	$13.1M-36.3%	$20.6M+15.6%	$17.8M-22.9%	$23.1M+26.5%	$18.3M-29.0%	$25.7M-37.0%	$40.8M+49.6%	$27.3M+54.8%	$17.6M-16.5%	$21.1M+61.7%	$13.1M+22.3%	$10.7M
Free Cash Flow	$311.4M	$309.9M-9.7%	$343.3M+115.1%	$159.6M+22.5%	$130.3M-34.8%	$199.9M-32.7%	$297.1M+171.3%	$109.5M-33.9%	$165.7M+37.5%	$120.5M+104.1%	$59.0M-63.3%	$160.7M+12.2%	$143.2M+22.1%	$117.3M+625.7%	-$22.3M-130.7%	$72.8M
Investing Cash Flow	-$50.6M	$7.2M+116.0%	-$45.1M-19.3%	-$37.8M-162.7%	$60.2M+232.8%	-$45.4M-47.8%	-$30.7M+96.3%	-$830.5M-1730.9%	-$45.4M+16.6%	-$54.4M-142.0%	$129.6M	N/A	N/A	-$410.7M-19.8%	-$342.9M-619.2%	-$47.7M
Financing Cash Flow	-$343.3M	-$336.6M-16.8%	-$288.2M-158.4%	-$111.6M+34.8%	-$171.1M+33.4%	-$256.9M-60.7%	-$159.9M-123.9%	$668.4M+1258.2%	-$57.7M+41.2%	-$98.1M+60.9%	-$251.1M	N/A	N/A	$291.6M+24.7%	$233.9M+2782.0%	-$8.7M
Share Buybacks	$175.6M	$202.6M+58.7%	$127.7M+362.8%	$27.6M-86.6%	$206.5M+92.3%	$107.4M+271.8%	$28.9M-18.9%	$35.6M-34.7%	$54.5M+45.8%	$37.4M-37.8%	$60.1M	N/A	$70.0M-13.5%	$80.9M+39.9%	$57.8M	N/A

Metric	Q2'2610-Q	Q1'2610-Q	Q4'2510-Q	Q3'2510-Q	Q2'2510-Q	Q1'2510-Q	Q4'2410-K	Q3'2410-Q
Operating Cash Flow	$70.8M+42.2%	$64.2M-17.9%	$121.8M-3.7%	$73.0M+35.2%	$49.8M-9.5%	$78.2M-36.5%	$126.5M+47.5%	$54.0M+113.8%
Depreciation & Amortization	$23.9M-0.7%	$25.3M+5.3%	$24.7M+1.9%	$24.1M-23.4%	$24.1M-12.6%	$24.0M-13.1%	$24.3M-16.2%	$31.5M+3.5%
Stock-Based Compensation	$18.7M+14.0%	$17.0M+45.8%	N/A	$17.4M+53.2%	$16.4M+53.0%	$11.6M+43.6%	N/A	$11.3M+66.3%
Capital Expenditures	$6.9M+217.8%	$3.0M+38.4%	$5.2M-25.4%	$3.4M-3.0%	$2.2M+23.5%	$2.2M-32.4%	$6.9M+616.8%	$3.5M+3.8%
Free Cash Flow	$63.9M+34.2%	$61.2M-19.5%	$116.6M-2.5%	$69.6M+37.9%	$47.6M-10.6%	$76.1M-36.6%	$119.5M+41.0%	$50.5M+130.7%
Investing Cash Flow	-$13.7M-81.9%	-$14.5M-139.1%	-$12.4M+7.3%	-$9.9M-29.3%	-$7.5M-21.8%	$37.1M+308.5%	-$13.4M-85.0%	-$7.7M+29.9%
Financing Cash Flow	-$72.0M+36.9%	-$64.2M-318.1%	-$101.4M+13.9%	-$105.7M-61355.8%	-$114.2M-84.8%	-$15.4M+85.9%	-$117.8M-84.6%	-$172K-101.3%
Share Buybacks	$41.5M-65.3%	$65.3M+353.1%	$52.6M	$16.3M+103.3%	$119.4M+108.8%	$14.4M-77.0%	$0-100.0%	$8.0M

Not reported in any period shown, so not listed: Dividends Paid.

ACIW Financial Ratios

Margins and returns are percentages; the remaining ratios are unitless multiples. Each change compares the year with the year before it, and each quarter with the same quarter a year earlier.

ACIW quarterly financial ratios

Metric	FY2510-K	FY2410-K	FY2310-K	FY2210-K	FY2110-K	FY2010-K	FY1910-K	FY1810-K	FY1710-K	FY1610-K	FY1510-K	FY1410-K	FY1310-K	FY1210-K	FY1110-K
Gross Margin	49.0%-1.3pp	50.3%-0.2pp	50.5%-0.6pp	51.0%-2.3pp	53.4%+1.5pp	51.9%+1.0pp	50.9%-6.5pp	57.4%+1.5pp	55.8%+0.1pp	55.8%+0.9pp	54.9%	N/A	N/A	N/A	N/A
Operating Margin	18.8%-0.6pp	19.3%+4.2pp	15.2%+0.8pp	14.3%-1.0pp	15.3%+4.1pp	11.2%+1.3pp	9.8%-2.6pp	12.5%+4.2pp	8.3%-13.7pp	22.0%+9.8pp	12.2%-1.4pp	13.6%-0.6pp	14.2%+3.1pp	11.2%-3.1pp	14.2%
Net Margin	12.9%+0.1pp	12.7%+4.4pp	8.4%-1.6pp	10.0%+0.7pp	9.3%+3.7pp	5.6%+0.3pp	5.3%-1.5pp	6.8%+6.3pp	0.5%-12.4pp	12.9%+4.7pp	8.2%+1.5pp	6.7%-0.7pp	7.4%+0.1pp	7.3%-2.5pp	9.9%
Return on Equity	14.9%+0.7pp	14.3%+5.1pp	9.2%-2.7pp	11.9%+1.7pp	10.3%+4.3pp	6.0%+0.1pp	5.9%-0.6pp	6.6%+5.9pp	0.7%-16.5pp	17.2%+4.1pp	13.1%+1.4pp	11.6%-0.1pp	11.8%+2.6pp	9.1%-5.3pp	14.4%
Return on Assets	7.3%+0.6pp	6.7%+3.2pp	3.5%-0.9pp	4.4%+0.4pp	4.0%+1.9pp	2.1%+0.1pp	2.1%-1.2pp	3.3%+3.0pp	0.3%-6.5pp	6.8%+2.5pp	4.3%+0.7pp	3.6%-0.2pp	3.8%-0.1pp	3.9%-3.0pp	6.9%
Current Ratio	1.54-0.1x	1.64+0.3x	1.36+0.1x	1.30+0.1x	1.240.0x	1.28-0.2x	1.50-0.4x	1.91+0.6x	1.31+0.2x	1.08+0.1x	0.990.0x	0.99-0.3x	1.26-0.1x	1.34-0.2x	1.51
Debt-to-Equity	0.51-0.1x	0.62-0.1x	0.73-0.1x	0.860.0x	0.82-0.1x	0.93-0.3x	1.19+0.6x	0.62-0.3x	0.870.0x	0.87-0.4x	1.28-0.1x	1.38+0.1x	1.30+0.6x	0.67-0.4x	1.09
Asset Turnover	0.570.0x	0.53+0.1x	0.420.0x	0.440.0x	0.43+0.1x	0.380.0x	0.39-0.1x	0.48-0.1x	0.550.0x	0.530.0x	0.530.0x	0.550.0x	0.510.0x	0.53-0.2x	0.70
FCF Margin	17.6%-3.9pp	21.5%+10.6pp	11.0%+1.8pp	9.2%-5.4pp	14.6%-8.4pp	22.9%+14.3pp	8.7%-7.7pp	16.4%+4.7pp	11.8%+5.9pp	5.9%-9.5pp	15.4%+1.3pp	14.1%+0.5pp	13.6%+16.9pp	-3.4%-19.0pp	15.7%

Metric	Q2'2610-Q	Q1'2610-Q	Q4'2510-Q	Q3'2510-Q	Q2'2510-Q	Q1'2510-Q	Q4'2410-K	Q3'2410-Q
Gross Margin	42.2%+0.7pp	46.3%+0.4pp	53.0%-2.8pp	53.7%-2.6pp	41.5%-4.1pp	45.9%+6.4pp	55.8%-6.0pp	56.3%+5.2pp
Operating Margin	10.4%+1.7pp	13.5%-1.3pp	22.6%-4.4pp	26.5%-0.7pp	8.7%-5.7pp	14.8%+11.8pp	27.0%-9.2pp	27.1%+10.1pp
Net Margin	7.4%+4.3pp	9.0%-5.9pp	13.4%-8.4pp	18.9%+0.9pp	3.0%-5.2pp	14.9%+17.4pp	21.8%-4.0pp	18.0%+7.6pp
Return on Equity	2.1%+1.2pp	2.5%-1.4pp	4.2%-2.7pp	6.2%+0.1pp	0.9%-1.6pp	4.0%+4.6pp	6.9%-2.3pp	6.1%+3.0pp
Return on Assets	1.0%+0.6pp	1.2%-0.6pp	2.1%-1.2pp	2.9%+0.3pp	0.4%-0.5pp	1.8%+2.1pp	3.3%-0.3pp	2.6%+1.5pp
Current Ratio	1.58+0.1x	1.530.0x	1.54-0.1x	1.580.0x	1.48+0.2x	1.50+0.1x	1.64+0.3x	1.56+0.3x
Debt-to-Equity	0.52-0.1x	0.510.0x	0.51-0.1x	0.56-0.2x	0.62-0.2x	0.55-0.2x	0.62-0.1x	0.72-0.1x
Asset Turnover	0.140.0x	0.140.0x	0.160.0x	0.150.0x	0.130.0x	0.120.0x	0.150.0x	0.150.0x
FCF Margin	14.8%+3.0pp	14.4%-4.9pp	24.2%-2.2pp	14.4%+3.3pp	11.9%-2.4pp	19.3%-18.7pp	26.4%+8.6pp	11.2%+5.1pp

Similar Companies

Newest fiscal year on record for each company. The health score is the peer-relative Financial Health Score for that year; a dash means no score is published for it.

Company	Fiscal year	Revenue	Net income	Net margin	Market cap	Health score
ACI Worldwide, Inc. ACIW	FY2025	$1.8B	$226.7M	12.9%	$5.1B	65/100
WEX Inc. WEX	FY2025	$2.7B	$304.1M	11.4%	$5.8B	55/100
BOX, INC. BOX	FY2026	$1.2B	$115.4M	9.8%	$4.8B	56/100
Zeta Global Holdings Corp. ZETA	FY2025	$1.3B	-$31.5M	-2.4%	$8.3B	59/100
Qualys, Inc. QLYS	FY2025	$669.1M	$198.3M	29.6%	$6.9B	72/100

Where ACI Worldwide, Inc. Ranks

Frequently Asked Questions

What is ACI Worldwide, Inc.'s annual revenue?

ACI Worldwide, Inc. (ACIW) reported $1.8B in total revenue for fiscal year 2025. This represents a 10.4% change compared to the previous fiscal year. Revenue measures the total income earned from the company's primary business operations before any expenses are deducted.

How fast is ACI Worldwide, Inc.'s revenue growing?

ACI Worldwide, Inc. (ACIW) revenue grew by 10.4% year-over-year, from $1.6B to $1.8B in fiscal year 2025.

Is ACI Worldwide, Inc. profitable?

Yes, ACI Worldwide, Inc. (ACIW) reported a net income of $226.7M in fiscal year 2025, with a net profit margin of 12.9%.

What is ACI Worldwide, Inc.'s EBITDA?

ACI Worldwide, Inc. (ACIW) had EBITDA of $426.9M in fiscal year 2025, measuring earnings before interest, taxes, depreciation, and amortization.

How much debt does ACI Worldwide, Inc. have?

As of fiscal year 2025, ACI Worldwide, Inc. (ACIW) had $196.5M in cash and equivalents against $776.7M in long-term debt.

What is ACI Worldwide, Inc.'s gross margin?

ACI Worldwide, Inc. (ACIW) had a gross margin of 49.0% in fiscal year 2025, indicating the percentage of revenue retained after direct costs of goods sold.

What is ACI Worldwide, Inc.'s operating margin?

ACI Worldwide, Inc. (ACIW) had an operating margin of 18.8% in fiscal year 2025, reflecting the profitability of core business operations before interest and taxes.

What is ACI Worldwide, Inc.'s net profit margin?

ACI Worldwide, Inc. (ACIW) had a net profit margin of 12.9% in fiscal year 2025, representing the share of revenue converted into profit after all expenses.

What is ACI Worldwide, Inc.'s return on equity (ROE)?

ACI Worldwide, Inc. (ACIW) has a return on equity of 14.9% for fiscal year 2025, measuring how efficiently the company generates profit from shareholder equity.

What is ACI Worldwide, Inc.'s free cash flow?

ACI Worldwide, Inc. (ACIW) generated $309.9M in free cash flow during fiscal year 2025. This represents a -9.7% change compared to the previous fiscal year. Free cash flow represents the cash a company generates after accounting for capital expenditures, and is widely used to assess financial flexibility and shareholder value.

What is ACI Worldwide, Inc.'s operating cash flow?

ACI Worldwide, Inc. (ACIW) generated $322.8M in operating cash flow during fiscal year 2025, representing cash generated from core business activities.

What are ACI Worldwide, Inc.'s total assets?

ACI Worldwide, Inc. (ACIW) had $3.1B in total assets as of fiscal year 2025, including both current and long-term assets.

What are ACI Worldwide, Inc.'s capital expenditures?

ACI Worldwide, Inc. (ACIW) invested $12.9M in capital expenditures during fiscal year 2025, funding long-term assets and infrastructure.

Does ACI Worldwide, Inc. buy back shares?

Yes, ACI Worldwide, Inc. (ACIW) spent $202.6M on share buybacks during fiscal year 2025, returning capital to shareholders by reducing shares outstanding.

How many shares does ACI Worldwide, Inc. have outstanding?

ACI Worldwide, Inc. (ACIW) had 102M shares outstanding as of fiscal year 2025.

What is ACI Worldwide, Inc.'s current ratio?

ACI Worldwide, Inc. (ACIW) had a current ratio of 1.54 as of fiscal year 2025, which is generally considered healthy.

What is ACI Worldwide, Inc.'s debt-to-equity ratio?

ACI Worldwide, Inc. (ACIW) had a debt-to-equity ratio of 0.51 as of fiscal year 2025, measuring the company's financial leverage by comparing total debt to shareholder equity.

What is ACI Worldwide, Inc.'s return on assets (ROA)?

ACI Worldwide, Inc. (ACIW) had a return on assets of 7.3% for fiscal year 2025, measuring how efficiently the company uses its assets to generate profit.

What is ACI Worldwide, Inc.'s P/E ratio?

ACI Worldwide, Inc. (ACIW) trades at 22.7x earnings, its market capitalization divided by net income of $225.7M net income, trailing 12 months to June 30, 2026. The market capitalization is $5.1B as of Oct 7, 2026; a multiple compares that price with a filed figure and says nothing about the quality of the business.

What is ACI Worldwide, Inc.'s price-to-sales ratio?

ACI Worldwide, Inc. (ACIW) trades at 2.8x sales, its market capitalization divided by revenue of $1.8B revenue, trailing 12 months to June 30, 2026. The market capitalization is $5.1B as of Oct 7, 2026; a multiple compares that price with a filed figure and says nothing about the quality of the business.

What is ACI Worldwide, Inc.'s Altman Z-Score?

ACI Worldwide, Inc. (ACIW) has an Altman Z-Score of 3.82, placing it in the Safe Zone (low bankruptcy risk). The Z-Score combines five financial ratios (working capital, retained earnings, EBIT, market capitalization, and revenue relative to total assets) to predict the likelihood of bankruptcy. Scores above 2.99 indicate financial safety while scores below 1.81 suggest financial distress. Learn more in our complete guide to financial health indicators.

What is ACI Worldwide, Inc.'s Piotroski F-Score?

ACI Worldwide, Inc. (ACIW) has a Piotroski F-Score of 7 out of 9, indicating strong financial health. The F-Score evaluates nine binary signals across profitability (positive ROA, positive cash flow, improving ROA, earnings quality), leverage (decreasing debt, improving liquidity, no share dilution), and operating efficiency (improving gross margin, improving asset turnover). Scores of 7 to 9 indicate strong and improving fundamentals. Learn more in our complete guide to financial health indicators.

Are ACI Worldwide, Inc.'s earnings high quality?

ACI Worldwide, Inc. (ACIW) has an earnings quality ratio of 1.42x, considered cash-backed (high quality). This ratio compares operating cash flow to net income. A ratio above 1.0x means the company generates more cash than its reported earnings, indicating sustainable, cash-backed profits. Ratios below 1.0x suggest earnings rely on accounting accruals rather than actual cash generation. Learn more in our complete guide to financial health indicators.

Can ACI Worldwide, Inc. cover its interest payments?

ACI Worldwide, Inc. (ACIW) has an interest coverage ratio of 5.70x, meaning it can comfortably cover its interest obligations. This ratio divides operating income by interest expense. Ratios above 5x indicate strong debt-servicing ability, while ratios below 2x suggest the company may face difficulty meeting interest payments if earnings decline. Learn more in our complete guide to financial health indicators.

How financially healthy is ACI Worldwide, Inc.?

ACI Worldwide, Inc. (ACIW) scores 65 out of 100 on our Financial Health Score, indicating strong standing within its operating companies peer group. The score is a 0-100 composite of six dimensions (Profitability, Growth, Leverage, Liquidity, Cash Flow, Returns), each ranked as a percentile relative to companies in the same scoring family (banks against banks, REITs against REITs, and so on) rather than across all industries. It rates the quality of the business, not whether the stock is fairly priced, and is not financial advice. Learn more in our complete guide to financial health indicators.