ACI Worldwide, Inc.

ACI Worldwide, Inc.

ACIW
ACI Worldwide, Inc.US flagNASDAQ Global Select
41.20
USD
-2.51
- -
4.19BMarket Cap
2013 Y
2014 Y
2015 Y
2016 Y
2017 Y
2018 Y
2019 Y
2020 Y
2021 Y
2022 Y
2023 Y
2024 Y
2025 Y
TTM
Revenue per Share
7.34
8.85
8.9
8.56
8.68
8.7
10.83
11.12
11.67
12.51
13.39
15.11
- -
17.37
Basic EPS, GAAP
0.54
0.59
0.73
1.1
0.04
0.59
0.58
0.62
1.09
1.25
1.12
1.93
- -
2
Free Cash Flow per Basic Share
0.9
1.1
1.18
0.31
0.78
1.21
0.73
2.3
1.49
0.91
1.21
2.97
- -
2.62
Dividend per Share
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
Book Value per Share
2.24
2.89
3.55
4.65
4.67
7.45
8.02
8.63
9.64
11.21
12.86
15.16
- -
18.08
Tangible Book Value per Share
-4.71
-5.84
-6.42
-4.63
-4.17
-1.44
-6.39
-5.09
-4.06
-3.44
-1.9
-0.57
- -
0.54
Basic Weighted Avg Shares
118
115
117
118
118
116
116
116
117
114
108
105
- -
103
Sales/Revenue/Turnover
865
1,016
1,046
1,006
1,024
1,010
1,258
1,294
1,371
1,422
1,453
1,594
1,760
1,791
Operating Margin (%)
14.23
13.6
12.23
6.93
8.26
12.47
9.84
11.18
15.31
14.34
15.17
19.33
18.75
18.36
Depreciation Expense
70
87
97
103
102
97
139
164
144
138
134
121
107
108
Net Income, GAAP
64
68
85
130
5
69
67
73
128
142
122
203
227
206
Effective Tax Rate (%)
31.44
31.6
24.64
30.2
88.21
24.92
7.13
26.33
27
31.19
17.69
18.89
26.09
27.8
Profit Margin (%)
7.38
6.65
8.17
12.88
0.5
6.83
5.33
5.61
9.32
10
8.37
12.74
12.88
11.51
Working Capital
91
-5
-2
32
100
270
308
249
183
256
369
388
383
394
LT Debt
708
805
834
654
668
651
1,386
1,161
1,063
1,058
993
912
799
787
Total Equity
544
581
654
755
765
1,048
1,130
1,207
1,245
1,193
1,324
1,424
1,519
1,501
Return on Invested Capital (%)
7.67
6.82
6.32
3.15
0.67
5.95
5.37
4.29
6.42
5.98
7.69
10.44
10.22
10.08
Return on Capital (%)
10.35
8.44
9.09
11.97
0.77
7.22
6.48
5
7.2
7.67
7.63
10.42
10.3
9.4
Return on Common Equity (%)
27.48
22.65
22.79
26.87
0.94
9.73
7.47
7.51
11.96
11.82
9.1
13.57
13.24
11.71

Capital Structure

FRC

in mil. unless spec.
Sep'25
Dec'25
Mar'26
ST Debt
49
50
50
LT Borrowings
827
777
766
LT Finance Leases
23
23
20
Preferred Equity and Hybrid Capital
- -
- -
- -
Shares Outstanding
103
103
101
Market Capitalization
5,515
4,971
4,228

Working Capital

FRC

in mil. unless spec.
Sep'25
Dec'25
Mar'26
Total Current Assets
1,164
1,089
1,133
Cash, Cash Equivalents & STI
199
196
162
Accounts Receivable, Net
225
202
200
Inventories
- -
- -
- -
Total Current Liabilities
737
706
739
Payables & Accruals
73
81
73
ST Debt
49
50
50
Deferred Revenue
65
74
79

Growth Rates

FRC

in mil. unless spec.

(avg. rate of change)

10 years
5 years
1 year
Total Equity
9.25%
4.84%
6.65%
Free Cash Flow
38.92%
16.58%
-7.72%
Net Income, GAAP
135.48%
30.27%
11.59%
Sales/Revenue/Turnover
5.6%
6.39%
10.38%
Total Cash Common Dividend
- -
- -
- -

Quarterly Revenue

FRC

in mil. unless spec.

Year

Q1
Q2
Q3
Q4
FY
2024
316
373
452
453
1,594
2025
395
401
482
482
1,760
2026
426
- -
- -
- -
- -

Quarterly Earnings Per Share

FRC

in mil. unless spec.

Year

Q1
Q2
Q3
Q4
FY
2024
-0.07
0.29
0.78
0.94
1.93
2025
0.56
0.12
0.88
0.63
- -
2026
0.38
- -
- -
- -
- -

Quarterly Dividends Per Share

FRC

in mil. unless spec.

Year

Q1
Q2
Q3
Q4
FY
2024
- -
- -
- -
- -
- -
2025
- -
- -
- -
- -
- -
2026
- -
- -
- -
- -
- -

Company Description

APIChat
CEO
Thomas Woodrow Warsop
Full Time Employees
3,103
Sector
Technology
Industry
Software - Infrastructure
Address
2811 Ponce de Leon Blvd Elkhorn FL United States of America 33134
IPO Date
Feb 24, 1995
Business
ACI Worldwide, Inc. (NASDAQ: ACIW) develops and provides real-time electronic payment software solutions that facilitate secure transaction processing for banks, financial institutions, merchants, billers, acquirers, issuers, and third-party payment service providers worldwide. The company offers a comprehensive suite of products and services, including ACI Connetic, a cloud-native unified payments platform supporting all payment types such as account-to-account (A2A), card processing, real-time payments, ACH, wires, and AI-powered fraud prevention; ACI Payments Orchestration Platform for merchant payments enabling omni-channel processing, digital wallets, tokenization, and fraud management; ACI Speedpay for electronic bill presentment and payment across industries like utilities, insurance, telecommunications, auto finance, mortgages, healthcare, and government; ACI Enterprise Payments Platform for enterprise-wide payment orchestration; ACI Fraud Management and Payments Intelligence leveraging AI and machine learning for real-time fraud detection and prevention; and ACI Acquiring and Issuing solutions for credit, debit, prepaid card transactions, and digital payment issuing. Headquartered in Elkhorn, Nebraska, with additional operations in Coral Gables, Florida, ACI Worldwide serves clients in 94 countries across banking, retail, fuel, grocery, healthcare payers, accounts receivable management, and government sectors; founded in 1975 as Applied Communications Inc. in Omaha, Nebraska, the company processes billions of consumer transactions annually, equating to trillions of U.S. dollars. Recent developments include the November 2025 acquisition of Payment Components, a Greece-based provider of AI-powered financial messaging and Open Banking solutions, to enhance ACI Connetic with advanced A2A payments, API management, and messaging capabilities serving 65 institutions in 25 countries; strategic partnerships such as expansions with NationsBenefits in April 2025 for health and retail benefits payments, Co-op in March 2025 for U.K. retail technology, and Kuvasz Solutions in 2024 for real-time payments in Colombia; and ongoing focus on cloud-native SaaS transitions, including ACI Payments Orchestration Platform and ACI Speedpay, alongside divestitures of non-core assets like Corporate Online Banking to prioritize high-growth areas.

Company News

APIChat
  • UBX Tanzania Deepens Partnership with ACI Worldwide to Power the Next Phase of the Nation's Digital Economy

  • ACI Worldwide Stock Trails S&P 500 by 40 Points as One Fund Cuts Stake by $4.4 Million

  • ACI Worldwide and Security Bank Philippines Set New Benchmark for Enterprise-wide Payments Modernization

  • ACI Worldwide to Attend Upcoming Investor Conferences

  • ACI Worldwide, Inc. (ACIW) Q1 2026 Earnings Call Transcript

  • ACI Worldwide (ACIW) Surpasses Q1 Earnings and Revenue Estimates

  • ACI Worldwide Reports Strong First Quarter 2026 Results and Raises Full-Year Guidance

  • Peru, Chile and Argentina Enter a New Phase of Growth Driven by Real-Time Payments, ACI Worldwide Report Finds

  • New Strong Sell Stocks for April 30th

  • New Strong Sell Stocks for April 27th

  • NetSol Technologies (NASDAQ:NTWK) versus ACI Worldwide (NASDAQ:ACIW) Head-To-Head Contrast

  • JPMorgan and ACI Team to Combat Real-Time Payment Fraud

  • ACI Worldwide and Kinexys by J.P. Morgan Collaborate to Mitigate Global Real-Time Payments Fraud

  • ACI Worldwide Inc (ACIW) Stock Down 4.6% -- Now Undervalued? GF Score: 83/100

  • As Multi-Rail Complexity Grows, ACI Worldwide Delivers One Cloud-Native Platform for Eight U.S. Networks

  • New Strong Sell Stocks for April 21st

  • ACI Worldwide to Report First Quarter 2026 Financial Results

  • Is ACI Worldwide Stock a Buy After Reinhart Partners Purchased 1.1 Million Shares?

  • ACI Worldwide Inc (ACIW) Stock Up 3.4% and Still Undervalued -- GF Score: 83/100

  • Is the Options Market Predicting a Spike in ACI Worldwide Stock?