ACI Worldwide

US · ACIW #2123 by market cap Listed 1970

50.65 -0.06 -0.12%

Live - 5344 symbols - heartbeat 344s ago · 2026-10-07 20:02

After-hours 50.65 0.00%

Market cap: 5.11B
P/E (TTM): 23.23
P/B: 3.42
EPS: 2.16
Div yield: 0.00%
52W pos: 55%

Reader sentiment Are you bullish or bearish on ACIW?

Anonymous reader poll. Unscientific, not investment advice.

✦ Quant Financial Health how this is computed

Good

Altman Z-Score is 3.82, above the 3.0 "safe zone" threshold.
Most reliable for industrial/manufacturing companies; less meaningful for banks, insurers and other financials.

Revenue annual, last 8 years

Latest year +10.38% YoY

Margins

Gross margin: 48.99%
Operating margin: 18.75%
Net margin: 12.88%

Key ratios & quality

Enterprise value: 5.74B
PEG ratio: 1.38
Altman Z-Score: 3.82

PEG uses trailing P/E against the 3-year net income growth rate (16.82%/yr) since forward earnings estimates aren't available here, so this is not a "forward PEG." Altman Z-Score below ~1.8 suggests financial distress risk, above ~3.0 suggests low risk; the model is most reliable for industrial/manufacturing companies and less meaningful for banks and other financial firms.

Income statement

Line item	2018	2019	2020	2021	2022	2023	2024	2025
Revenue	1.01B	1.26B	1.29B	1.37B	1.42B	1.45B	1.59B	1.76B
Gross profit	579.43M	640.84M	671.86M	731.73M	725.83M	733.37M	802.51M	862.13M
Selling & admin expenses	225.30M	258.98M	256.04M	250.34M	249.01M	249.83M	236.73M	267.78M
Research & development	143.63M	146.57M	139.29M	144.31M	146.31M	140.76M	146.68M	167.54M
Operating profit	125.91M	123.76M	144.74M	209.90M	203.84M	220.41M	308.14M	329.91M
Pretax profit	91.80M	72.21M	98.63M	175.07M	206.64M	147.63M	250.41M	306.67M
Tax	22.88M	5.15M	25.97M	47.27M	64.46M	26.12M	47.29M	80.01M
Net profit	68.92M	67.06M	72.66M	127.79M	142.18M	121.51M	203.12M	226.66M
Basic EPS	1	1	1	1	1	1	2	2
Diluted EPS	0.59	0.57	0.62	1.08	1.24	1.12	1.91	2.16

Line item	2025-03	2025-06	2025-09	2025-12	2026-03	2026-06
Revenue	394.57M	401.26M	482.36M	481.60M	425.75M	430.42M
Gross profit	181.19M	166.46M	259.22M	255.27M	197.29M	181.57M
Selling & admin expenses	59.78M	66.39M	64.81M	76.80M	70.45M	65.09M
Research & development	38.91M	41.11M	42.57M	44.96M	44.09M	47.90M
Operating profit	58.52M	34.86M	127.71M	108.83M	57.49M	44.65M
Pretax profit	71.64M	17.87M	118.12M	99.04M	50.42M	38.92M
Tax	12.77M	5.67M	26.87M	34.70M	12.12M	7.13M
Net profit	58.87M	12.20M	91.25M	64.34M	38.31M	31.80M
Basic EPS	1	0	1	1	0	0
Diluted EPS	0.55	0.12	0.88	0.62	0.37	0.31

Balance sheet

Line item	2018	2019	2020	2021	2022	2023	2024	2025
Total current assets	566.48M	920.38M	1.15B	937.43M	1.11B	1.41B	990.82M	1.09B
Cash & ST investments	148.50M	121.40M	165.37M	122.06M	124.98M	164.24M	216.39M	196.46M
Inventory	--	--	--	--	--	--	--	--
Total assets	2.12B	3.26B	3.39B	3.16B	3.21B	3.44B	3.03B	3.10B
Total current liabilities	296.62M	611.95M	905.61M	754.16M	858.84M	1.04B	602.63M	705.64M
Short-term debt	20.77M	49.20M	47.70M	57.39M	76.74M	83.75M	44.19M	49.80M
Long-term debt	650.99M	1.34B	1.12B	1.02B	1.02B	963.60M	889.65M	776.67M
Total liabilities	1,074,224,000.00	2,127,566,000.00	2,180,306,000.00	1,913,964,000.00	2,016,708,000.00	2,120,442,000.00	1,600,966,000.00	1,585,829,000.00
Total equity	1.05B	1.13B	1.21B	1.24B	1.19B	1.32B	1.42B	1.52B
Retained earnings	863.77M	930.83M	1.00B	1.13B	1.27B	1.39B	1.60B	1.82B

Line item	2025-03	2025-06	2025-09	2025-12	2026-03	2026-06
Total current assets	1.21B	1.14B	1.16B	1.09B	1.13B	1.14B
Cash & ST investments	230.06M	189.70M	199.27M	196.46M	161.76M	167.40M
Inventory	--	--	--	--	--	--
Total assets	3.20B	3.14B	3.16B	3.10B	3.10B	3.10B
Total current liabilities	804.51M	774.62M	737.10M	705.64M	739.38M	723.43M
Short-term debt	43.35M	49.47M	49.49M	49.80M	49.61M	49.70M
Long-term debt	810.91M	857.11M	826.89M	776.67M	766.44M	781.20M
Total liabilities	1,720,662,000.00	1,744,785,000.00	1,681,721,000.00	1,585,829,000.00	1,603,986,000.00	1,598,526,000.00
Total equity	1.48B	1.39B	1.48B	1.52B	1.50B	1.50B
Retained earnings	1.66B	1.67B	1.76B	1.82B	1.86B	1.89B

Cash flow

Line item	2018	2019	2020	2021	2022	2023	2024	2025
Operating cash flow	183.93M	132.61M	314.90M	220.47M	143.38M	168.52M	358.75M	322.83M
Depreciation & amortization	97.35M	138.50M	163.76M	143.91M	138.36M	133.99M	120.67M	106.65M
Free cash flow	140.04M	84.59M	268.26M	175.11M	103.49M	130.74M	313.70M	289.48M
Dividends paid	--	--	--	--	--	--	--	--
Stock buybacks / issuance	-51.43M	-32.03M	-25.12M	-103.94M	-202.96M	-24.77M	-124.75M	-199.22M
Ending cash balance	148.50M	141.13M	265.38M	184.14M	214.67M	238.82M	265.02M	259.00M

Line item	2025-03	2025-06	2025-09	2025-12	2026-03	2026-06
Operating cash flow	78.22M	49.80M	73.04M	121.78M	64.25M	70.79M
Depreciation & amortization	26.42M	26.51M	26.54M	27.18M	27.66M	26.32M
Free cash flow	69.29M	42.26M	63.13M	114.80M	49.74M	57.08M
Dividends paid	--	--	--	--	--	--
Stock buybacks / issuance	-13.60M	-118.54M	-15.38M	-51.70M	-64.37M	-40.62M
Ending cash balance	366.77M	298.96M	253.41M	259.00M	242.13M	224.46M

Returns & efficiency

Line item	2018	2019	2020	2021	2022	2023	2024	2025
ROE %	7.60	6.16	6.22	10.43	11.66	9.65	14.78	15.40
ROA %	3.46	2.49	2.19	3.90	4.46	3.65	6.28	7.39
ROIC %	5.79	5.39	4.26	6.37	7.25	7.37	10.41	10.88
5-year avg ROE %	10.50	9.33	7.81	6.22	8.41	8.82	10.55	12.38
EBIT margin %	13.20	10.83	12.00	16.06	18.27	15.57	20.25	20.71
FCF / sales %	13.87	7.12	22.38	12.78	7.28	9.00	19.68	16.45
Current ratio	1.91	1.50	1.28	1.24	1.30	1.36	1.64	1.54
Quick ratio	1.67	0.79	0.56	0.59	0.62	0.59	1.05	0.91
Debt / assets	31.65	44.05	35.68	35.48	35.36	31.25	31.61	27.35
LT debt / equity	62.10	122.64	96.20	85.41	88.69	74.96	64.05	52.62
Interest coverage	3.21	2.13	2.74	4.89	4.88	2.88	4.46	6.30
Revenue CAGR (3Y) %	-1.17	7.76	8.12	10.72	4.16	3.92	5.17	7.37
Net income CAGR (3Y) %	-6.91	-19.70	141.87	22.85	28.46	18.70	16.70	16.82
FCF CAGR (3Y) %	0.23	32.04	42.98	7.73	6.95	-21.30	21.45	40.90

Line item	2025-03	2025-06	2025-09	2025-12	2026-03	2026-06
ROE %	19.69	19.09	18.58	15.40	13.82	15.62
ROA %	8.30	7.72	8.34	7.39	6.53	7.24
ROIC %	13.39	12.62	12.57	10.88	10.04	10.82
5-year avg ROE %	--	--	--	--	--	--
EBIT margin %	23.77	21.83	21.87	20.71	19.03	19.74
FCF / sales %	16.59	15.93	16.62	16.45	15.07	15.64
Current ratio	1.50	1.48	1.58	1.54	1.53	1.58
Quick ratio	0.77	0.76	0.90	0.91	0.84	0.87
Debt / assets	27.32	29.64	28.46	27.35	26.95	27.44
LT debt / equity	56.11	63.20	57.47	52.62	52.44	53.43
Interest coverage	5.84	5.78	6.24	6.30	6.16	6.80
Revenue CAGR (3Y) %	--	--	--	--	--	--
Net income CAGR (3Y) %	--	--	--	--	--	--
FCF CAGR (3Y) %	--	--	--	--	--	--

✦ Quant Revenue Concentration how this is computed

Lead segment, long tail

Biller is the largest reported line at 54.38% of revenue, across 2 reported segments.
Payment Software follows at 45.62%, so the top line still matters most but isn’t the whole story.

Revenue breakdown most recent period

Business

Biller54.38%

Payment Software45.62%

Quote time 2026-10-07 20:02:49 · For reference only, not investment advice and not tailored to your situation.