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ACIW

ACI Worldwide, Inc.

ACIW

ACI Worldwide, Inc. • NASDAQ
$46.86 ▲ 0.00% (+0.00)
Market Cap $4.83 B
52w High $58.14
52w Low $40.45
Dividend Yield 0%
P/E 18.97
Volume 259.85K
Outstanding Shares 103.09M

Income Statement

Period Revenue Operating Expense Net Income Net Profit Margin Earnings Per Share EBITDA
Q3-2025 $482.359M ▲ $107.375M ▼ $91.25M ▲ 18.917% ▲ $0.884 ▲ $159.476M ▲
Q2-2025 $401.258M ▲ $131.6M ▲ $12.202M ▼ 3.041% ▼ $0.12 ▼ $58.907M ▼
Q1-2025 $394.565M ▼ $122.671M ▼ $58.87M ▼ 14.92% ▼ $0.56 ▼ $112.74M ▼
Q4-2024 $453.038M ▲ $130.663M ▼ $98.555M ▲ 21.754% ▲ $0.94 ▲ $153.513M ▼
Q3-2024 $451.752M $131.815M $81.427M 18.025% $0.78 $159.487M

Balance Statement

Period Cash & Short-term Total Assets Total Liabilities Total Equity
Q3-2025 $199.268M ▲ $3.161B ▲ $1.682B ▼ $1.479B ▲
Q2-2025 $189.697M ▼ $3.138B ▼ $1.745B ▲ $1.393B ▼
Q1-2025 $230.057M ▲ $3.203B ▲ $1.721B ▲ $1.483B ▲
Q4-2024 $216.394M ▲ $3.025B ▼ $1.601B ▼ $1.424B ▲
Q3-2024 $177.86M $3.093B $1.763B $1.33B

Cash Flow Statement

Period Net Income Cash From Operations Cash From Investing Cash From Financing Net Change Free Cash Flow
Q3-2025 $91.25M ▲ $73.038M ▲ $-9.905M ▼ $-105.704M ▲ $9.571M ▲ $69.634M ▲
Q2-2025 $12.202M ▼ $49.797M ▼ $-7.539M ▼ $-114.192M ▼ $-67.816M ▼ $42.258M ▼
Q1-2025 $58.87M ▼ $78.221M ▼ $37.092M ▲ $-15.351M ▲ $101.753M ▲ $69.292M ▼
Q4-2024 $98.555M ▲ $126.482M ▲ $-13.41M ▼ $-117.752M ▼ $-3.652M ▼ $119.543M ▲
Q3-2024 $81.427M $59.149M $-7.663M $-5.313M $44.552M $74.664M

Revenue by Products

Product Q4-2024Q1-2025Q2-2025Q3-2025
Biller Payments
Biller Payments
 $0 ▲$190.00M ▲$220.00M ▲$200.00M ▼
Fraud Management
Fraud Management
 $10.00M ▲$10.00M ▲$20.00M ▲$20.00M ▲
Issuing And Acquiring
Issuing And Acquiring
 $190.00M ▲$130.00M ▼$90.00M ▼$180.00M ▲
License
License
 $160.00M ▲$80.00M ▼$60.00M ▼$160.00M ▲
Maintenance
Maintenance
 $50.00M ▲$50.00M ▲$50.00M ▲$50.00M ▲
Merchant Payments
Merchant Payments
 $40.00M ▲$40.00M ▲$40.00M ▲$50.00M ▲
Real Time Payments
Real Time Payments
 $0 ▲$30.00M ▲$40.00M ▲$30.00M ▼

Five-Year Company Overview

Income Statement

Income Statement Revenue has grown steadily over the past five years, with a noticeable step-up in the most recent year. Profitability has improved as well: operating income and net income are both higher than earlier in the period, suggesting better cost control or a more favorable mix of business. Earnings per share have climbed meaningfully from pandemic-era levels, though the path has been uneven. Overall, the income statement shows a mature software business that is still finding room for margin expansion, but not without some year-to-year volatility.

Balance Sheet

Balance Sheet The balance sheet looks relatively solid and has been slowly strengthening. Debt levels have been edging down over time while shareholders’ equity has moved up, pointing to a gradual de‑risking of the capital structure. Cash balances, while not very large, have improved from earlier years, which adds a bit more financial flexibility. Total assets have moved around but are broadly stable, consistent with a software company that does not require heavy physical investment. The main takeaway is a modestly leveraged balance sheet that appears healthier today than a few years ago.

Cash Flow

Cash Flow Cash generation is a clear bright spot. Operating cash flow has been positive every year and was especially strong in the latest period after a softer stretch in the middle of the timeline. Free cash flow has also remained positive throughout, helped by relatively low capital spending needs typical of a software and payments platform business. The pattern suggests that, despite some earnings volatility, the underlying cash engine is robust and improving, giving the company room to invest, reduce debt, or pursue strategic initiatives. However, investors should still be aware that cash flows have not been perfectly smooth year to year.

Competitive Edge

Competitive Edge ACI holds a strong, entrenched position in mission‑critical payment processing, especially with large banks and financial institutions. Its systems are deeply embedded in customer operations, creating high switching costs and long-lasting relationships across many countries and payment schemes. A broad product suite and global reach support cross‑selling and make ACI a one‑stop partner for many clients. At the same time, the company operates in a very competitive space with powerful incumbents and fast‑moving fintechs, so continued execution and differentiation are essential to maintain its edge.

Innovation and R&D

Innovation and R&D The company is actively modernizing its long‑standing payments technology by shifting from legacy platforms to cloud‑native solutions like ACI Connetic. Its focus areas include unifying different payment types on a single platform, embedding AI‑driven fraud detection, and offering flexible payment orchestration for both banks and merchants. Acquisitions, such as bill payment and European fintech capabilities, are being used to fill technology gaps and speed up innovation. The opportunity is significant—especially in real‑time and digital payments—but success depends on how smoothly ACI can migrate existing customers, win new ones in mid‑tier banking, and keep pace with rapid industry change.

Summary

Overall, ACI Worldwide looks like a mature payments software provider that has improved profitability, steadily strengthened its balance sheet, and consistently generated solid free cash flow. Its moat rests on deeply embedded systems, high switching costs, and a broad, global product set, but it faces intense competition and ongoing technology shifts. The strategic bet on a unified, cloud‑native, AI‑enhanced payments platform could extend its advantages if execution remains strong. Investors evaluating ACI will likely focus on the pace of cloud adoption, stability of large bank relationships, and the company’s ability to turn its innovation efforts into durable, higher‑quality growth.

NEWS

November 25, 2025 · 2:00 AM UTC

Friendly Fraud Expected to Increase by 25% Between Thanksgiving and Cyber Monday, Warns ACI Worldwide

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November 17, 2025 · 7:33 AM UTC

ACI Worldwide to Discuss Payments Modernization and Fraud Trends at Three Investor Conferences

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November 11, 2025 · 10:10 AM UTC

ACI Worldwide, Inc. Earns Best in Class in Javelin Strategy & Research's 2025 Know Your Customer and Know Your Business Solution Scorecard

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November 6, 2025 · 6:02 AM UTC

ACI Worldwide, Inc. Reports Financial Results for the Quarter Ended September 30, 2025

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November 3, 2025 · 6:00 AM UTC

ACI Worldwide Acquires European Fintech Payment Components to Augment ACI Connetic

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