ACI Worldwide, Inc. (ACIW)
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 has strategic partnerships with dLocal. 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.
- Symbol
- ACIW
- Exchange
- Nasdaq
- Sector
- Technology
- Industry
- Software - Infrastructure
- Market cap
- $4.98B
- 52 week range
- 38.05 - 61.08
Valuation
- Share price
- $49.22 (close of 2026-09-23)
- P/E (TTM)
- 22.47x
- Price to book
- 3.33x
- Price to free cash flow
- 16.00x
- Enterprise value
- $5.66B
- Book value per share
- $14.79
Price performance
| Period | Change |
|---|
| 1 day | -0.75% |
| 5 days | -4.04% |
| 1 month | -5.09% |
| 3 months | +8.97% |
| 6 months | +20.37% |
| Year to date | +2.95% |
| 1 year | -6.00% |
| 3 years | +111.16% |
| 5 years | +56.66% |
| 10 years | +159.87% |
| All time | +1551.68% |
Profitability and growth
- Return on equity
- 14.92%
- Return on invested capital
- 11.51%
- Return on assets
- 7.30%
- Return on capital employed
- 13.75%
- Gross margin
- 48.99%
- Net margin
- 12.88%
- EBITDA margin
- 24.26%
- Revenue growth
- 10.38%
- Net income growth
- 11.59%
- Free cash flow growth
- -9.73%
Cash flow and balance sheet
- Free cash flow yield (TTM)
- 6.25%
- Current ratio
- 1.58x
- Net debt to EBITDA
- 1.46x
Latest reported year
- Period end
- 2025-12-31
- Fiscal year
- 2025
- Revenue
- $1.76B
- Cost of revenue
- $897.65M
- Gross profit
- $862.13M
- EBITDA
- $426.86M
- Net income
- $226.66M
- Earnings per share
- $2.18
- Shares outstanding
- 103.96M
Income statement by year
| Period end | Revenue | Gross profit | Net income | EPS |
|---|
| 2025-12-31 | $1.76B | $862.13M | $226.66M | $2.18 |
| 2024-12-31 | $1.59B | $802.50M | $203.12M | $1.93 |
| 2023-12-31 | $1.45B | $733.37M | $121.51M | $1.12 |
| 2022-12-31 | $1.42B | $725.83M | $142.18M | $1.25 |
| 2021-12-31 | $1.37B | $731.73M | $127.79M | $1.09 |
| 2020-12-31 | $1.29B | $671.86M | $72.66M | $0.62 |
| 2019-12-31 | $1.26B | $640.84M | $67.06M | $0.58 |
| 2018-12-31 | $1.01B | $579.43M | $68.92M | $0.59 |
| 2017-12-31 | $1.02B | $571.90M | $5.13M | $0.04 |
| 2016-12-31 | $1.01B | $560.79M | $129.53M | $1.10 |
Margins and returns by year
| Period end | Gross margin | Net margin | Return on equity | Return on capital |
|---|
| 2025-12-31 | 48.99% | 12.88% | 14.92% | 11.51% |
| 2024-12-31 | 50.34% | 12.74% | 14.26% | 12.05% |
| 2023-12-31 | 50.49% | 8.37% | 9.18% | 8.69% |
| 2022-12-31 | 51.05% | 10.00% | 11.92% | 6.33% |
| 2021-12-31 | 53.39% | 9.32% | 10.27% | 7.25% |
| 2020-12-31 | 51.91% | 5.61% | 6.02% | 5.28% |
| 2019-12-31 | 50.93% | 5.33% | 5.93% | 4.85% |
| 2018-12-31 | 57.38% | 6.83% | 6.57% | 6.56% |
| 2017-12-31 | 55.84% | 0.50% | 0.67% | 3.35% |
| 2016-12-31 | 55.76% | 12.88% | 17.16% | 11.60% |
Cash and debt by year
| Period end | Cash | Debt |
|---|
| 2025-12-31 | $196.46M | $776.67M |
| 2024-12-31 | $216.39M | $889.65M |
| 2023-12-31 | $164.24M | $963.60M |
| 2022-12-31 | $124.98M | $1.02B |
| 2021-12-31 | $122.06M | $1.02B |
| 2020-12-31 | $165.37M | $1.12B |
| 2019-12-31 | $121.40M | $1.34B |
| 2018-12-31 | $148.50M | $650.99M |
| 2017-12-31 | $69.71M | $667.94M |
| 2016-12-31 | $75.75M | $653.60M |
Free cash flow by year
| Period end | Free cash flow | Stock-based compensation |
|---|
| 2025-12-31 | $309.92M | $70.63M |
| 2024-12-31 | $343.35M | $41.28M |
| 2023-12-31 | $159.59M | $24.55M |
| 2022-12-31 | $130.28M | $29.75M |
| 2021-12-31 | $199.89M | $27.24M |
| 2020-12-31 | $297.09M | $29.60M |
| 2019-12-31 | $109.51M | $36.76M |
| 2018-12-31 | $165.67M | $20.36M |
| 2017-12-31 | $120.48M | $13.68M |
| 2016-12-31 | $59.02M | $43.61M |
Investor relations
Next earnings report
- Next confirmed report
- 2026-11-05
- Consensus EPS estimate
- $0.50
Past earnings dates
| Reported | Fiscal period | EPS estimate |
|---|
| 2026-08-06 | Jun/2026 | $0.31 |
| 2026-05-07 | - | - |
| 2026-02-26 | - | - |
| 2025-11-06 | - | - |
| 2025-08-07 | - | - |
| 2025-05-08 | - | - |
| 2025-02-27 | - | - |
| 2025-02-26 | - | - |
Filings and sources
- Company website
- aciworldwide.com
- SEC filings
- 10-K, 10-Q and 8-K on EDGAR
- Earnings calendar
- All upcoming reports
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