ACI WORLDWIDE, INC. ACIW

Technology SIC 7372 - Services-Prepackaged Software NAICS Information › Publishing Industries › Software Publishers derived Nasdaq

ACI develops, markets, installs, and supports a broad line of software solutions that deliver intelligent payments orchestration to banks, merchants, and billers. ACI powers the world's payments ecosystem by supporting any channel, any network, and any payment type. Our solutions support the new payment experiences that help power customers' growth and drive innovation. Our intelligent payments orchestration solutions empower customers to modernize their payments infrastructure to support the transactions their businesses need to stay ahead - at scale and without downtime.

At ACI, we build software solutions that make complex payments simple and secure for the world's leading financial institutions and large enterprises. Our solutions and services are used globally by banks of all sizes, central banks, intermediaries, merchants, and billers, as well as third-party digital payment processors, payment associations, switch interchanges, and a wide range of transaction-generating endpoints, including automated teller machines ("ATM"), merchant point-of-sale ("POS") terminals, bank branches, mobile phones, tablets, corporations, and internet commerce sites. The authentication, authorization, switching, settlement, fraud-checking, and reconciliation of digital payments is a complex activity due to the large number of locations and variety of sources from which transactions can be generated, the large number of participants in the market, high transaction volumes, geographically dispersed networks, differing types of authorization, and varied reporting requirements. These activities are typically performed online and are conducted 24 hours a day, seven days a week.

Last close 55.88 2026-10-23
Market cap $5.64B 2026-06-30 share count
52-week range 38.05 - 61.08

Valuation FY2025 figures against the last close

P/S3.2x
P/E25.9x
P/FCF18.2x
EV/EBITDA14.7x
Dividend yield—
Diluted EPS2.16

Where the revenue comes from as reported in the latest 10-K

Revenue by geography

  • United States
  • Other
Revenue by geography, 2 categories over 3 years. The same figures are in the table below. FY2025 United States, FY2025: 1B (57.6%) 58% United States Other, FY2025: 745.6M (42.4%) 42% Other FY2024 United States, FY2024: 931.1M (58.4%) 58% Other, FY2024: 663.2M (41.6%) 42% FY2023 United States, FY2023: 887.2M (61.1%) 61% Other, FY2023: 565.4M (38.9%) 39%
Region FY2025FY2024FY2023
United States $1.01B $931.1M $887.2M
Other $745.6M $663.2M $565.4M

As the company reported it, from the “Segment Information - Schedule of Revenues by Primary Solution Categories, Geographical Location and Long Lived Assets (Details)” note of its latest 10-K. Every figure here has been checked against the total revenue the same filing reported. Regions are the filer's own and are not mapped onto a standard list — one company's “Americas” and another's “United States” are different areas, and making them look comparable would mean making at least one of them wrong. Slices under 1% are folded into “Other”.

Annual financial statements

Income statement

Fiscal year FY2025FY2024FY2023FY2022FY2021FY2020FY2019FY2018FY2017FY2016
Revenue $1.76B$1.59B$1.45B$1.42B$1.37B$1.29B$1.26B$1.01B$1.02B$1.01B
Cost of revenue $897.7M$791.8M$719.2M$696.1M$638.9M$622.5M$617.5M$430.4M$452.3M$444.9M
Gross profit $862.1M$802.5M$733.4M$725.8M$731.7M$671.9M$640.8M$579.4M$571.9M$560.8M
SG&A $142.7M$118.4M$117.2M$114.2M$123.8M$152.5M$135.3M$107.4M$153.0M$113.6M
Total operating expenses $1.43B$1.29B$1.23B$1.22B$1.16B$1.15B$1.13B$883.9M$939.6M$784.6M
Operating income $329.9M$308.1M$220.4M$203.8M$209.9M$144.7M$123.8M$125.9M$84.6M$221.1M
Interest expense $57.8M$72.5M$78.5M$53.2M$45.1M$56.6M$64.0M$41.5M$39.0M$40.2M
Pre-tax income $306.7M$250.4M$147.6M$206.6M$175.1M$98.6M$72.2M$91.8M$43.6M$185.6M
Income tax $80.0M$47.3M$26.1M$64.5M$47.3M$26.0M$5.1M$22.9M$38.4M$56.0M
Net income $226.7M$203.1M$121.5M$142.2M$127.8M$72.7M$67.1M$68.9M$5.1M$129.5M
EPS, basic 2.181.931.121.251.090.620.580.590.041.10
EPS, diluted 2.161.911.121.241.080.620.570.590.041.09
Shares, diluted (wtd. avg.) 104.8M106.5M108.9M114.2M118.6M118.1M118.6M117.6M119.4M118.8M

Balance sheet

Fiscal year FY2025FY2024FY2023FY2022FY2021FY2020FY2019FY2018FY2017FY2016
Cash and equivalents $196.5M$216.4M$164.2M$214.7M$184.1M$265.4M$141.1M$172.2M$69.7M$75.8M
Receivables $445.9M$414.4M$452.3M$403.8M$320.4M$167.6M$150.7M$348.2M$262.8M$268.2M
Total current assets $1.09B$990.8M$1.41B$1.11B$937.4M$1.15B$920.4M$566.5M$421.8M$408.0M
Property, plant and equipment $37.4M$35.1M$37.9M$52.5M$63.0M$64.7M$70.4M$72.7M$80.2M$79.0M
Goodwill $1.23B$1.23B$1.23B$1.23B$1.28B$1.28B$1.28B$909.7M$909.7M$909.7M
Other intangibles $147.1M$165.4M$195.6M$228.7M$283.0M$322.0M$357.0M$168.1M$191.3M$203.6M
Total assets $3.10B$3.03B$3.44B$3.21B$3.16B$3.39B$3.26B$2.12B$1.86B$1.90B
Accounts payable $64.9M$45.4M$46.0M$48.0M$41.3M$41.2M$37.0M$39.6M$34.7M$42.9M
Short-term debt $40.9M$34.9M$74.4M$65.5M$45.9M$34.3M$34.1M$20.8M$17.8M$90.3M
Total current liabilities $705.6M$602.6M$1.04B$858.8M$754.2M$905.6M$612.0M$296.6M$321.8M$376.4M
Long-term debt $776.7M$889.6M$963.6M$1.02B$1.02B$1.12B$1.34B$651.0M$667.9M$653.6M
Total liabilities $1.59B$1.60B$2.12B$2.02B$1.91B$2.18B$2.13B$1.07B$1.10B$1.15B
Retained earnings $1.82B$1.60B$1.39B$1.27B$1.13B$1.00B$930.8M$863.8M$550.9M$545.7M
Total equity $1.52B$1.42B$1.32B$1.19B$1.24B$1.21B$1.13B$1.05B$764.6M$754.9M

Cash flow

Fiscal year FY2025FY2024FY2023FY2022FY2021FY2020FY2019FY2018FY2017FY2016
Operating cash flow $322.8M$358.7M$168.5M$143.4M$220.5M$314.9M$132.6M$183.9M$146.2M$99.8M
Depreciation and amortisation $96.9M$111.0M$122.4M$127.3M$133.4M$140.3M$122.6M$97.3M$102.2M$103.5M
Stock-based compensation $70.6M$41.3M$24.5M$29.8M$27.2M$29.6M$36.8M$20.4M$13.7M$43.6M
Capital expenditure $12.9M$15.4M$8.9M$13.1M$20.6M$17.8M$23.1M$18.3M$25.7M$40.8M
Investing cash flow $7.2M-$45.1M-$37.8M$60.2M-$45.4M-$30.7M-$830.5M-$45.4M-$54.4M$129.6M
Financing cash flow -$336.6M-$288.2M-$111.6M-$171.1M-$256.9M-$159.9M$668.4M-$57.7M-$98.1M-$251.1M
Buybacks $202.6M$127.7M$27.6M$206.5M$107.4M$28.9M$35.6M$54.5M$37.4M$60.1M

Figures as tagged in each year's own filing, in US dollars. A year restated by a later filing shows the restated figure. Capital expenditure, dividends and buybacks are cash out, shown positive. A line the filer does not report is not listed. Latest from accession 0001193125-26-162572.

Plot the figures US dollars

Income statement Revenue Cost of revenue Gross profit R&D SG&A Total operating expenses Operating income Interest expense Pre-tax income Income tax Net income EPS, basic EPS, diluted Shares, diluted (wtd. avg.)
Balance sheet Cash and equivalents Short-term investments Receivables Inventory Total current assets Property, plant and equipment Goodwill Other intangibles Total assets Accounts payable Short-term debt Total current liabilities Long-term debt Total liabilities Retained earnings Total equity
Cash flow Operating cash flow Depreciation and amortisation Stock-based compensation Capital expenditure Investing cash flow Financing cash flow Dividends paid Buybacks
  • Revenue
  • Gross profit
  • Net income
Revenue, Gross profit, Net income by fiscal year, in US dollars The same figures are in the table below this chart. 0 500M 1B 1.5B 2B Revenue, FY2016: 1B Gross profit, FY2016: 560.8M Net income, FY2016: 129.5M Revenue, FY2017: 1B Gross profit, FY2017: 571.9M Net income, FY2017: 5.1M Revenue, FY2018: 1B Gross profit, FY2018: 579.4M Net income, FY2018: 68.9M Revenue, FY2019: 1.3B Gross profit, FY2019: 640.8M Net income, FY2019: 67.1M Revenue, FY2020: 1.3B Gross profit, FY2020: 671.9M Net income, FY2020: 72.7M Revenue, FY2021: 1.4B Gross profit, FY2021: 731.7M Net income, FY2021: 127.8M Revenue, FY2022: 1.4B Gross profit, FY2022: 725.8M Net income, FY2022: 142.2M Revenue, FY2023: 1.5B Gross profit, FY2023: 733.4M Net income, FY2023: 121.5M Revenue, FY2024: 1.6B Gross profit, FY2024: 802.5M Net income, FY2024: 203.1M Revenue, FY2025: 1.8B Gross profit, FY2025: 862.1M Net income, FY2025: 226.7M FY2016 FY2017 FY2018 FY2019 FY2020 FY2021 FY2022 FY2023 FY2024 FY2025
Fiscal year FY2016FY2017FY2018FY2019FY2020FY2021FY2022FY2023FY2024FY2025
Revenue $1.01B $1.02B $1.01B $1.26B $1.29B $1.37B $1.42B $1.45B $1.59B $1.76B
Gross profit $560.8M $571.9M $579.4M $640.8M $671.9M $731.7M $725.8M $733.4M $802.5M $862.1M
Net income $129.5M $5.1M $68.9M $67.1M $72.7M $127.8M $142.2M $121.5M $203.1M $226.7M

Recent filings and events

  • Results announced The quarterly or annual earnings release. Arrives four times a year from almost every company here. Item 2.02
  • Regulation FD disclosure Something the company told the market and had to tell everyone at once - usually a slide deck or a press release. Item 7.01
  • Shareholder vote The results of the annual meeting or a special vote. Item 5.07
  • Results announced Item 2.02
  • Regulation FD disclosure Item 7.01
  • Annual report filed A new 10-K. The figures and the business description on this site come from it. Form 10-K
  • Results announced Item 2.02
  • Officer or director change Someone at the top arrived or left. The item covers everything from a board retirement to a chief executive being removed, and only the filing itself says which. Item 5.02
  • Regulation FD disclosure Item 7.01
  • Officer or director change Item 5.02
  • Results announced Item 2.02
  • Regulation FD disclosure Item 7.01

Item numbers are Form 8-K's own, and a filing date is up to four business days after the thing it reports. The same feed across the whole market.

Others in SIC 7372

TickerCompanyMarket capP/ERevenue growth
MSFT MICROSOFT CORP $3.89T 29.2x 17.8%
PLTR Palantir Technologies Inc. $472.16B 312.3x 56.2%
ORCL ORACLE CORP $363.40B 21.6x 17.3%
CRWD CrowdStrike Holdings, Inc. $263.73B — 21.7%
SHOP SHOPIFY INC. $218.48B 179.4x 30.1%
CRM Salesforce, Inc. $204.57B 31.9x 9.6%
NOW ServiceNow, Inc. $164.36B 95.2x 20.9%
NET Cloudflare, Inc. $115.42B — 29.8%