Explore 3 Stock Ideas & Industry Insights Download Free Report

ACI Worldwide Inc

Technology US ACIW

43.73USD
1.09(2.56%)

Last update at 2026-06-10T20:00:00Z

Day Range

41.5843.76
LowHigh

52 Week Range

38.0555.45
LowHigh

Fundamentals

  • Previous Close 42.64
  • Market Cap4498.06M
  • Volume1166132
  • P/E Ratio20.47
  • Dividend Yield-%
  • EBITDA372.76M
  • Revenue TTM1759.78M
  • Revenue Per Share TTM16.93
  • Gross Profit TTM 862.13M
  • Diluted EPS TTM2.16

Source: TradingView
The charts and visual representations are sourced from TradingView through embedded widgets. For any issues with chart display, please visit the TradingView website

Financials

Income Statement

Balance Sheet

Change in Cash

Total Operating Cash

Dividends Paid

Breakdown 2025-12-31 2024-12-31 2023-12-31 2022-12-31 2021-12-31
Type yearly yearly yearly yearly yearly
Date 2025-12-31 2024-12-31 2023-12-31 2022-12-31 2021-12-31
Income before tax 306.67M 250.41M 147.63M 206.63M 175.06M
Minority interest - - - - -
Net income 226.66M 203.12M 121.51M 142.18M 127.79M
Selling general administrative 142.71M 118.38M 117.19M 114.19M 123.80M
Selling and marketing expenses 125.07M 118.35M 132.64M 134.81M 126.54M
Gross profit 862.13M 802.50M 733.37M 725.83M 731.73M
Reconciled depreciation 106.65M 120.67M 136.83M 138.36M 143.91M
Ebit 364.52M 322.88M 226.11M 203.84M 209.90M
Ebitda 461.41M 443.55M 360.11M 398.19M 364.03M
Depreciation and amortization 96.90M 120.67M 133.99M 194.36M 154.14M
Non operating income net other - - - 55.99M 10.23M
Operating income 329.91M 308.13M 220.41M 203.84M 209.90M
Other operating expenses 1429.87M 1286.15M 1232.17M 1218.07M 1160.70M
Interest expense 57.85M 72.47M 78.49M 53.19M 45.06M
Tax provision 80.01M 47.29M 37.42M 64.46M 47.27M
Interest income 14.87M 15.93M 13.80M 12.55M 11.52M
Net interest income -42.97300M -56.54500M -61.02000M -40.64600M -33.53800M
Extraordinary items - - - - -
Non recurring - - - - -
Other items - - - - -
Income tax expense 80.01M 47.29M 26.12M 64.46M 47.27M
Total revenue 1759.78M 1594.29M 1452.58M 1421.90M 1370.60M
Total operating expenses 532.22M 494.37M 512.96M 522.00M 521.83M
Cost of revenue 897.65M 791.78M 719.21M 696.07M 638.87M
Total other income expense net -23.24400M -57.72600M -72.78100M 2.80M -34.83200M
Discontinued operations - - - - -
Net income from continuing ops 226.66M 203.12M 89.12M 142.18M 127.79M
Net income applicable to common shares - - - 142.18M 127.79M
Preferred stock and other adjustments - - - - -
Breakdown 2025-12-31 2024-12-31 2023-12-31 2022-12-31 2021-12-31
Type yearly yearly yearly yearly yearly
Date 2025-12-31 2024-12-31 2023-12-31 2022-12-31 2021-12-31
Total assets 3104.91M 3025.29M 3444.74M 3209.89M 3158.74M
Intangible assets 224.59M 258.27M 304.06M 357.81M 440.79M
Earning assets - - - - -
Other current assets 49.44M 360.03M 63.73M 558.03M 470.27M
Total liab 1585.83M 1600.97M 2120.44M 2016.71M 1913.96M
Total stockholder equity 1519.08M 1424.33M 1324.30M 1193.19M 1244.78M
Deferred long term liab - - - 40.37M 36.12M
Other current liab 517.28M 437.59M 835.25M 687.02M 582.55M
Common stock 0.70M 0.70M 0.70M 0.70M 0.70M
Capital stock 0.70M 0.70M 0.70M 0.70M 0.70M
Retained earnings 1824.74M 1598.09M 1394.97M 1273.46M 1131.28M
Other liab - - - 96.11M 96.59M
Good will 1231.13M 1226.03M 1226.03M 1226.03M 1280.23M
Other assets - - - 400.83M 389.42M
Cash 196.46M 216.39M 164.24M 124.98M 122.06M
Cash and equivalents - - - - -
Total current liabilities 705.64M 602.63M 1037.25M 858.84M 754.15M
Current deferred revenue 73.64M 75.42M 59.58M 58.30M 84.42M
Net debt 675.22M 740.04M 924.89M 998.80M 987.03M
Short term debt 49.80M 44.19M 96.45M 65.52M 45.87M
Short long term debt 40.94M 34.93M 74.41M 65.52M 45.87M
Short long term debt total 871.68M 956.43M 1089.13M 1123.78M 1109.09M
Other stockholder equity -100.09100M -52.98700M 38.10M 36.69M 212.34M
Property plant equipment - - - 52.50M 63.05M
Total current assets 1089.11M 990.82M 1403.35M 1114.81M 937.43M
Long term investments - - - - -
Net tangible assets - - - 1193.19M 1244.78M
Short term investments - - - - -
Net receivables 843.21M 414.40M 1175.38M 403.78M 320.40M
Long term debt 776.67M 889.65M 963.60M 1024.35M 1019.87M
Inventory - - - 28.01M 24.70M
Accounts payable 64.93M 45.42M 45.96M 48.00M 41.31M
Total permanent equity - - - - -
Noncontrolling interest in consolidated entity - - - - -
Temporary equity redeemable noncontrolling interests - - - - -
Accumulated other comprehensive income -206.27600M -121.47300M -109.47000M -117.66000M -99.54700M
Additional paid in capital - - - - -
Common stock total equity - - - 0.70M 0.70M
Preferred stock total equity - - - - -
Retained earnings total equity - - - 1273.46M 1131.28M
Treasury stock - - - - -475.97200M
Accumulated amortization - - - - -
Non currrent assets other 3.21M 413.53M 48.13M 364.99M 62.48M
Deferred long term asset charges - - - - -
Non current assets total 2015.79M 2034.47M 2041.39M 2095.09M 2221.31M
Capital lease obligations 31.46M 31.86M 38.42M 33.91M 54.86M
Long term debt total - - - 1024.35M 1019.87M
Breakdown 2025-12-31 2024-12-31 2023-12-31 2022-12-31 2021-12-31
Type yearly yearly yearly yearly yearly
Date 2025-12-31 2024-12-31 2023-12-31 2022-12-31 2021-12-31
Investments - -45.05100M -43.90300M 60.25M -45.36800M
Change to liabilities - - - 4.57M 5.08M
Total cashflows from investing activities 7.22M -45.05100M -37.77700M 60.25M -45.36800M
Net borrowings -130.92600M -126.05200M -70.79700M 7.45M -109.13500M
Total cash from financing activities -336.64700M -288.19700M -111.55200M -171.06000M -256.87800M
Change to operating activities - - - -10.21200M -71.81700M
Net income 226.66M 203.12M 121.51M 142.18M 127.79M
Change in cash -6.02200M 26.20M 24.15M 30.53M -81.24000M
Begin period cash flow 265.02M 238.82M 214.67M 184.14M 265.38M
End period cash flow 259.00M 265.02M 238.82M 214.67M 184.14M
Total cash from operating activities 322.83M 358.75M 168.52M 143.38M 220.47M
Issuance of capital stock 3.42M 2.92M 2.90M 3.58M 3.44M
Depreciation 22.53M 120.67M 133.99M 138.36M 143.91M
Other cashflows from investing activities 5.48M -29.64900M -28.85300M 73.35M -24.78600M
Dividends paid - - - - -29.02900M
Change to inventory - - - - 43.83M
Change to account receivables -46.16000M -23.58300M -62.99800M -132.19400M -43.83000M
Sale purchase of stock -202.63800M -127.67000M -27.58700M -206.53700M -107.37800M
Other cashflows from financing activities -14.26400M -37.39300M -13.82700M 204.45M 20.22M
Change to netincome - - - -4.06800M 31.83M
Capital expenditures 12.91M 15.40M 37.78M 39.89M 45.37M
Change receivables - - - -132.19400M -43.83000M
Cash flows other operating - - - 105.16M -33.79300M
Exchange rate changes - - - - -
Cash and cash equivalents changes - - - 32.57M -81.77300M
Change in working capital -60.34600M 1.98M -113.69100M -137.65300M -87.74100M
Stock based compensation 70.63M 41.28M 24.55M 29.75M 27.24M
Other non cash items 62.41M 4.83M 6.24M -30.86300M 5.54M
Free cash flow 309.92M 343.35M 130.74M 103.49M 175.10M

Peer Comparison

Sector: Technology Industry: Software - Infrastructure

Company Change (USD) Price (USD) Trailing PE (x) Forward PE (x) Price Sales TTM (x) Price to Book Value (x) Enterprise Value to Revenue (x) Enterprise Value to EBITDA (x)
ACIW
ACI Worldwide Inc
1.09 2.56% 43.73 20.47 14.16 2.56 3.02 2.97 11.11
MSFT
Microsoft Corporation
-6.05 1.50% 397.36 37.32 29.94 13.03 12.45 13.06 24.59
ORCL
Oracle Corporation
-4.55 2.21% 201.26 29.34 18.66 5.55 74.06 7.10 18.13
CRWD
Crowdstrike Holdings Inc
2.81 0.44% 647.74 - 89.29 23.70 24.81 21.91 577.82
PANW
Palo Alto Networks Inc
2.70 1.04% 263.22 44.57 45.05 11.98 20.70 11.82 77.11

Reports Covered

Stock Research & News

Profile

ACI Worldwide, Inc. develops, markets, installs, and supports software products and services for facilitating electronic payments in the United States and worldwide. It operates through Payment Software, and Billers segments. The company offers ACI Acquiring, a solution to process credit, debit, and prepaid card transactions, deliver digital innovation, fraud prevention, and reduce fees; ACI Issuing, a digital payment issuing solution; and ACI Connetic, a solution that offers payment services for processing, routing, and managing various payment types. It provides ACI real-time payments, a solution that provides connectivity to payment rails; ACI RTGS and cross-border, a payments engine that offers multi-currency, payment and STP processing, and back-office integration interfaces; and ACI digital central infrastructure, a solution that offers real-time payments service. Further, it offers ACI Payments Orchestration Platform, a payments platform that orchestrates and optimizes payments; ACI Fraud Management for merchants, billers, and financial institutions; ACI Fraud Scoring Services with artificial and human insights with data intelligence; and Speedpay, an integrated suite of digital billing, payment, disbursement, and communication services. Additionally, it offers electronic bill presentment and payment services to consumer finance, insurance, healthcare, higher education, utility, government, subscription provider, telecommunications, and mortgage sectors; product installations and configurations, and custom software modifications; and business and technical consultancy, on-site support, product education, and testing services, as well distributes software developed by third parties. It markets its products and services under the ACI Worldwide brand. The company was formerly known as Transaction Systems Architects, Inc. and changed its name to ACI Worldwide, Inc. in July 2007. The company was founded in 1975 and is headquartered in Elkhorn, Nebraska.

ACI Worldwide Inc

6060 Coventry Drive, Elkhorn, NE, United States, 68022-6482

Key Executives

Name Title Year Born
Mr. Thomas Woodrow Warsop III Interim CEO & Pres and Director 1966
Mr. Scott W. Behrens Exec. VP, CFO & Chief Accounting Officer 1972
Mr. Ram Puppala Chief Technology Officer 1970
Mr. Dennis P. Byrnes Exec. VP, Chief Legal Officer, Gen. Counsel & Sec. 1963
Mr. Mohammed Mortajine Chief Risk & Admin. Officer NA
Dan Ring VP of PR NA
Mr. Anthony D. Dinkins Chief HR Officer 1968
Mr. Craig A. Maki Chief Devel. Officer 1966
Mr. John Kraft Head of Strategy & Fin. NA
Mr. Hannes van Rensburg Sr. VP of Bus. Devel. NA

Disclaimer - This information, including any data, is sourced from Unicorn Data Services SAS, trading as EOD Historical Data (“EODHD”) on an ‘as is’ basis, using their API. We cannot guarantee the completeness or validity of the information and data provided on this page, as well as via the API. In some cases, the data may include analyst ratings or recommendations sourced through the EODHD API, which are intended solely for general information purposes.
This information does not consider your personal objectives, financial situation, or needs. Kalkine is not liable for any errors or omissions in the information provided or for any actions taken in reliance on it. You should seek advice from a financial adviser, stockbroker or other professional adviser (including taxation and legal advice) as necessary before acting on this information.