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ACI Worldwide, Inc.

ACI Worldwide, Inc.

ACIW
ACI Worldwide, Inc.US flagNASDAQ Global Select
41.56
USD
-2.15
- -
4.23BMarket Cap

Income Statement (USD)

APIChat
2011 Y
2012 Y
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
Sales/Revenue/Turnover
465
667
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
+ Sales & Services Revenue
465
667
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
- Cost of Revenue
134
226
344
455
472
445
452
430
617
622
639
696
719
792
898
+ Cost of Goods & Services
134
226
344
455
472
445
452
430
617
622
639
696
719
792
898
Gross Profit
331
441
521
561
574
561
572
579
641
672
732
726
733
803
862
+ Other Operating Income
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- Operating Expenses
265
367
398
423
446
491
487
454
517
527
522
522
513
494
532
+ Selling, General & Admin
152
196
199
207
217
232
261
225
259
256
250
249
250
237
268
+ Research & Development
90
134
143
144
146
170
137
144
147
139
144
146
141
147
168
+ Other Operating Expense
22
37
56
72
83
90
89
85
112
132
127
127
122
111
97
Operating Income (Loss)
66
74
123
138
128
70
85
126
124
145
210
204
220
308
330
- Non-Operating (Income) Loss
2
9
30
39
15
-116
41
34
52
46
35
-3
73
58
23
+ Interest Expense, Net
1
10
27
39
41
40
38
30
52
45
34
41
64
57
43
+ Interest Expense
2
10
27
40
41
40
39
42
64
57
45
53
78
72
58
- Interest Income
1
1
1
1
- -
1
1
11
12
12
12
13
14
16
15
+ Other Non-Op (Income) Loss
1
- -
3
- -
-26
-156
3
4
-1
1
1
-43
9
1
-20
Pretax Income
64
65
93
99
113
186
44
92
72
99
175
207
148
250
307
- Income Tax Expense (Benefit)
18
16
29
31
28
56
38
23
5
26
47
64
26
47
80
- (Income) Loss from Affiliates
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
Income (Loss) from Cont Ops
46
49
64
68
85
130
5
69
67
73
128
142
122
203
227
- Net Extraordinary Losses (Gains)
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
+ Discontinued Operations
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
+ Extraord. & Accounting Changes
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
Income (Loss) Incl. MI
46
49
64
68
85
130
5
69
67
73
128
142
122
203
227
- Minority Interest
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
Net Income, GAAP
46
49
64
68
85
130
5
69
67
73
128
142
122
203
227
- Preferred Dividends
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- Other Adjustments
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
Net Income Avail to Common, GAAP
46
49
64
68
85
130
5
69
67
73
128
142
122
203
227
EBIT
66
74
123
138
128
70
85
126
124
145
210
204
220
308
330
EBITDA
95
125
193
225
225
173
187
223
262
309
354
342
354
429
437
EBITDA Margin (%)
20.34
18.78
22.32
22.13
21.55
17.21
18.25
22.11
20.84
23.84
25.81
24.07
24.4
26.9
24.81
EBITA
66
74
123
138
128
70
85
126
124
145
210
204
220
308
330
Gross Margin (%)
71.13
66.15
60.25
55.25
54.85
55.76
55.84
57.38
50.93
51.91
53.39
51.05
50.49
50.34
48.99
Operating Margin (%)
14.24
11.16
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
Profit Margin (%)
9.86
7.33
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
Sales per Employee
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
Dividend per Share
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
Depreciation Expense
28
51
70
87
97
103
102
97
139
164
144
138
134
121
107
Basic Weighted Avg Shares
100
116
118
115
117
118
118
116
116
116
117
114
108
105
- -
Basic EPS, GAAP
0.46
0.42
0.54
0.59
0.73
1.1
0.04
0.59
0.58
0.62
1.09
1.25
1.12
1.93
- -
Basic EPS from Cont Ops
0.46
0.42
0.54
0.59
0.73
1.1
0.04
0.59
0.58
0.62
1.09
1.25
1.12
1.93
- -
Diluted Weighted Avg Shares
103
120
120
117
119
119
119
118
119
118
119
114
109
106
- -
Diluted EPS, GAAP
0.45
0.41
0.53
0.58
0.72
1.09
0.04
0.59
0.57
0.62
1.08
1.24
1.12
1.91
- -
Diluted EPS from Cont Ops
0.45
0.41
0.53
0.58
0.72
1.09
0.04
0.59
0.57
0.62
1.08
1.24
1.12
1.91
- -

Balance Sheet (USD)

APIChat
2011 Y
2012 Y
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
Total Current Assets
342
356
436
374
383
408
422
566
920
1,155
937
1,115
1,407
991
1,089
+ Cash, Cash Equivalents & STI
197
76
95
77
102
76
70
149
121
165
122
125
164
216
196
+ Cash & Cash Equivalents
197
76
95
77
102
76
70
149
121
165
122
125
164
216
196
+ ST Investments
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
+ Accounts & Notes Receiv
100
223
226
243
239
287
301
348
359
343
320
404
452
414
446
+ Accounts Receivable, Net
93
176
169
196
187
246
263
348
359
175
160
215
246
197
202
+ Notes Receivable, Net
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
+ Loans Receivable, Net
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
+ Other Receivable, Net
7
47
57
47
52
41
38
- -
- -
168
161
189
206
218
244
+ Inventories
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
+ Raw Materials
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
+ Work In Process
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
+ Finished Goods
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
+ Inventory Adjustments
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
+ Other Inventory
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
+ Other ST Assets
45
57
115
54
41
45
51
70
440
647
495
586
790
360
447
+ Misc ST Assets
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
+ Prepaid Expenses
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
+ ST Derivative & Hedging Assets
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
+ ST Assets Held-for-Sale
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
+ ST Deferred Tax Assets
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
Total Noncurrent Assets
323
895
1,245
1,477
1,593
1,494
1,440
1,556
2,337
2,232
2,221
2,095
2,038
2,034
2,016
+ Property, Plant & Equip, Net
20
41
57
60
61
79
80
73
128
106
111
93
72
64
66
+ Property, Plant & Equip
57
86
105
121
135
162
183
190
264
229
236
233
210
198
190
- Accumulated Depreciation
37
45
48
61
74
83
103
117
136
123
125
141
138
134
123
+ LT Investments & Receivables
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
+ LT Investments
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
+ LT Receivables
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
+ Other LT Assets
302
853
1,188
1,416
1,533
1,415
1,360
1,483
2,209
2,126
2,110
2,003
1,966
1,971
1,950
+ Total Intangible Assets
255
758
1,098
1,252
1,408
1,299
1,256
1,215
1,872
1,799
1,721
1,584
1,530
1,484
1,456
+ Goodwill
214
501
669
781
913
910
910
910
1,281
1,280
1,280
1,226
1,226
1,226
1,231
+ Other Intangible Assets
41
257
429
471
495
389
347
305
591
518
441
358
304
258
225
+ LT Deferred Tax Assets
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
+ LT Derivative & Hedging Assets
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
+ Misc LT Assets
47
95
90
164
125
117
103
268
337
327
389
419
436
486
494
Total Assets
665
1,251
1,682
1,851
1,976
1,902
1,862
2,122
3,258
3,387
3,159
3,210
3,445
3,025
3,105
+ Payables & Accruals
45
43
100
90
84
93
110
59
52
54
54
61
55
65
81
+ Accounts Payable
12
34
44
50
55
43
35
40
37
41
41
48
46
45
65
+ Accrued Taxes
10
4
1
6
5
11
10
5
- -
- -
- -
- -
- -
10
16
+ Interest & Dividends Payable
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
+ Other Payables & Accruals
23
6
56
33
24
39
66
14
15
13
13
13
9
9
- -
+ ST Debt
- -
18
47
87
90
90
18
21
49
48
57
77
84
44
50
+ ST Borrowings
- -
18
47
87
90
90
18
21
34
34
46
66
74
35
41
+ ST Finance Leases
- -
- -
- -
- -
- -
- -
- -
- -
15
13
12
11
9
9
9
+ Other ST Liabilities
182
206
198
202
211
193
194
217
510
804
643
721
898
494
574
+ Deferred Revenue
133
140
122
132
129
105
108
105
66
96
84
58
60
75
74
+ Derivatives & Hedging
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
+ Deferred Tax Liabilities
- -
- -
1
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
+ Misc ST Liabilities
49
66
75
70
83
88
86
112
445
708
558
663
839
418
501
Total Current Liabilities
227
267
346
379
385
376
322
297
612
906
754
859
1,037
603
706
+ LT Debt
75
357
708
805
834
654
668
651
1,386
1,161
1,063
1,058
993
912
799
+ LT Borrowings
75
357
708
805
834
654
668
651
1,339
1,121
1,020
1,024
964
890
777
+ LT Finance Leases
- -
- -
- -
- -
- -
- -
- -
- -
47
40
43
34
29
23
23
+ Other LT Liabilities
45
93
84
86
102
117
107
127
130
114
97
100
91
86
81
+ Accrued Liabilities
33
66
57
63
70
76
69
83
85
74
62
64
66
59
52
+ Pension Liabilities
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
+ Deferred Revenue
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
+ Deferred Tax Liabilities
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
+ Derivatives & Hedging
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
+ Misc LT Liabilities
13
27
28
23
32
41
38
44
45
40
35
36
25
27
29
Total Noncurrent Liabilities
120
450
793
891
937
771
775
778
1,516
1,275
1,160
1,158
1,083
998
880
Total Liabilities
347
717
1,138
1,269
1,321
1,147
1,097
1,074
2,128
2,180
1,914
2,017
2,120
1,601
1,586
+ Preferred Equity and Hybrid Capital
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
+ Share Capital & APIC
323
535
543
552
562
601
611
633
668
683
689
703
714
733
762
+ Common Stock
- -
- -
1
1
1
1
1
1
1
1
1
1
1
1
1
+ Additional Paid in Capital
323
535
543
552
561
600
610
632
668
682
688
702
713
732
762
- Treasury Stock
163
187
240
283
253
298
320
356
378
388
476
666
675
785
965
+ Retained Earnings
151
200
264
331
417
546
551
864
931
1,003
1,131
1,273
1,395
1,598
1,825
+ Other Equity
-17
-14
-23
-20
-72
-94
-77
-93
-92
-92
-100
-118
-109
-121
-103
Equity Before Minority Interest
317
534
544
581
654
755
765
1,048
1,130
1,207
1,245
1,193
1,324
1,424
1,519
+ Minority/Non Controlling Interest
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
Total Equity
317
534
544
581
654
755
765
1,048
1,130
1,207
1,245
1,193
1,324
1,424
1,519
Total Liabilities & Equity
665
1,251
1,682
1,851
1,976
1,902
1,862
2,122
3,258
3,387
3,159
3,210
3,445
3,025
3,105
Shares Outstanding
101
118
117
116
119
117
117
116
116
117
116
108
108
105
103
Number of Employees
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
Capital Leases - Total
- -
- -
- -
- -
- -
- -
- -
- -
62
53
55
45
38
32
31
Net Debt
-122
298
660
815
822
668
616
523
1,252
990
944
965
874
708
621
Net Debt to Equity
-38.48
55.75
121.45
140.11
125.6
88.51
80.57
49.92
110.78
82.02
75.81
80.87
65.98
49.72
40.89
Tangible Common Equity Ratio
15.2
-45.48
-95.07
-112.05
-132.78
-90.13
-81.25
-18.38
-53.56
-37.28
-33.12
-24.02
-10.75
-3.89
3.84
Current Ratio
1.51
1.34
1.26
0.99
0.99
1.08
1.31
1.91
1.5
1.28
1.24
1.3
1.36
1.64
1.54
Cash Conversion Cycle
30.73
37.07
31.61
27.69
25.88
38.3
59.41
78.92
79.95
52.42
21.01
24.64
34.07
29.63
18.94

Cash Flow Statement (USD)

APIChat
2011 Y
2012 Y
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
+ Net Income
46
49
64
68
85
130
5
69
67
73
128
142
122
203
227
+ Depreciation & Amortization
28
51
70
87
97
103
102
97
139
164
144
138
134
121
107
+ Non-Cash Items
18
19
21
27
22
-84
40
21
24
44
37
- -
27
33
50
+ Stock-Based Compensation
11
15
14
11
18
44
14
20
37
30
27
30
25
41
71
+ Deferred Income Taxes
8
5
10
8
19
18
22
-6
-22
3
4
2
-4
-13
1
+ Asset Impairment Charge
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
+ Other Non-Cash Adj
-1
-1
-2
8
-15
-145
5
7
9
11
6
-31
6
5
-22
+ Chg in Non-Cash Work Cap
-8
-128
-16
-21
-17
-49
-1
-4
-97
35
-88
-138
-114
2
-60
+ (Inc) Dec in Accts Receiv
-21
-62
22
-31
-11
-76
-8
-15
-19
9
-44
-132
-63
-24
-46
+ (Inc) Dec in Inventories
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
+ (Inc) Dec in Prepaid Assets
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
+ Inc (Dec) in Accts Payable
-3
-23
-38
-10
7
4
-2
-4
-19
21
5
5
4
3
11
+ Inc (Dec) in Other
16
-43
-1
20
-12
23
9
15
-59
5
-49
-10
-55
23
-25
+ Net Cash From Disc Ops
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
Cash from Operating Activities
83
-9
138
161
188
100
146
184
133
315
220
143
169
359
323
+ Change in Fixed & Intang
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
+ Disp in Fixed & Intang
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
+ Disp of Fixed Prod Assets
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
+ Disp of Intangible Assets
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
+ Acq of Fixed & Intang
-19
-17
-33
-35
-49
-63
-54
-44
-48
-47
-45
-40
-38
-45
-33
+ Acq of Fixed Prod Assets
-11
-13
-21
-18
-27
-41
-26
-18
-23
-18
-21
-13
-9
-15
-13
+ Acq of Intangible Assets
-8
-4
-11
-17
-22
-22
-29
-26
-25
-29
-25
-27
-29
-30
-20
+ Cash (Repurchase) of Equity
1
-56
-79
-67
3
-57
-34
-51
-32
-25
-104
-203
-25
-125
-199
+ Increase in Capital Stock
1
1
2
3
3
3
3
3
4
4
3
4
3
3
3
+ Decrease in Capital Stock
- -
-58
-81
-70
- -
-60
-37
-55
-36
-29
-107
-207
-28
-128
-203
+ Net Change in LT Investment
-10
- -
- -
- -
35
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
+ Dec in LT Investment
- -
- -
- -
- -
35
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
+ Inc in LT Investment
-10
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
+ Net Cash From Acq & Div
-17
-325
-378
-204
-179
- -
- -
- -
-757
- -
- -
100
- -
- -
46
+ Cash from Divestitures
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
100
- -
- -
46
+ Cash for Acq of Subs
-17
-325
-378
-204
-179
- -
- -
- -
-757
- -
- -
- -
- -
- -
- -
+ Cash for JVs
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
+ Other Investing Activities
-2
-1
- -
-2
-7
192
- -
-1
-25
16
- -
- -
- -
- -
-5
+ Net Cash From Disc Ops
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
Cash from Investing Activities
-48
-343
-411
-241
-200
130
-54
-45
-830
-31
-45
60
-38
-45
7
+ Dividends Paid
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
+ Net Cash From Debt
-229
292
179
172
168
-290
-153
-18
942
-421
-164
112
-52
-126
-131
+ Cash From Debt
75
319
680
489
596
152
549
618
1,060
60
70
360
268
684
490
+ Repayments of Debt
-304
-27
-501
-317
-428
-442
-702
-636
-118
-481
-234
-248
-320
-810
-621
+ Other Financing Activities
219
-2
191
-39
-126
96
89
12
-242
286
11
-81
-35
-37
-6
+ Net Cash From Disc Ops
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
Cash from Financing Activities
-9
234
292
66
45
-251
-98
-58
668
-160
-257
-171
-112
-288
-337
Effect of Foreign Exchange Rates
-1
-2
-1
-4
-8
-5
- -
-2
-1
- -
1
-2
5
1
1
Net Changes in Cash
27
-118
19
-14
33
-22
-6
81
-30
124
-82
33
19
26
-7
EBITDA
95
125
193
225
225
173
187
223
262
309
354
342
354
429
437
EBITDA Margin (%)
20.34
18.78
22.32
22.13
21.55
17.21
18.25
22.11
20.84
23.84
25.81
24.07
24.4
26.9
24.81
Free Cash Flow
64
-26
106
126
139
37
92
140
85
268
175
103
131
314
289
Net Cash Paid for Acquisitions
17
325
378
204
179
- -
- -
- -
757
- -
- -
-100
- -
- -
-46
Free Cash Flow to Firm
66
-18
124
153
170
65
96
171
144
310
208
140
195
372
332
Free Cash Flow to Equity
-156
270
296
315
329
-231
-32
148
1,052
-124
36
243
108
217
179
Free Cash Flow per Basic Share
0.64
-0.22
0.9
1.1
1.18
0.31
0.78
1.21
0.73
2.3
1.49
0.91
1.21
2.97
- -
Price/Free Cash Flow
9.56
235.7
15.21
12.03
10.74
13.24
13.5
14.29
24.87
12.55
15.49
14.34
16.15
13.69
- -
Cash Flow to Net Income
1.82
-0.19
2.17
2.38
2.2
0.77
28.47
2.67
1.98
4.33
1.73
1.01
1.39
1.77
1.42
Capital Expenditures
-19
-17
-33
-35
-49
-63
-54
-44
-48
-47
-45
-40
-38
-45
-33