ACIWNasdaqServices-Prepackaged SoftwareFiscal year ends December 31
ACI WORLDWIDE, INC.
Financials through Q2 FY2026, quarter ended Jun 30, 2026Last filing: 10-Q on Aug 6, 2026
$52.22−0.58 (-1.10%)
Close on Oct 19, 2026
- Market cap
- $5.31B
- P/E (TTM)
- 24.0
- Dividend yield
- –
Margins
Share of revenue, fiscal years 2011 to 2025
Gross margin
49.0%−2.9 pts over 5 years
Operating margin
18.7%+7.6 pts over 5 years
Net margin
12.9%+7.3 pts over 5 years
Growth rates
Compound annual growth to fiscal 2025
| Per year | 1 year | 3 years | 5 years | 10 years | Five-year pace |
|---|---|---|---|---|---|
| Revenue | +10.4% | +7.4% | +6.3% | +5.3% | |
| Gross profit | +7.4% | +5.9% | +5.1% | +4.2% | |
| Operating income | +7.1% | +17.4% | +17.9% | +9.9% | |
| Net income | +11.6% | +16.8% | +25.5% | +10.2% | |
| EPS, diluted | +13.1% | +20.3% | +28.4% | +11.6% | |
| Free cash flow | -9.7% | +33.5% | +0.8% | +6.8% |
Returns and balance sheet
10 fiscal years. Hover a measure to see how it is calculated.
| Measure | FY2016 | FY2020 | FY2025 | Trend |
|---|---|---|---|---|
| Return on equity | 18.4% | 6.2% | 15.4% | |
| Return on assets | 6.7% | 2.2% | 7.4% | |
| Current ratio | 1.08 | 1.28 | 1.54 | |
| Debt to equity | 0.99 | 0.96 | 0.54 | |
| Net debt to EBITDA | 2.06× | 3.12× | 1.46× | |
| Interest coverage | 5.5× | 2.6× | 5.7× | |
| Capex to revenue | 4.1% | 1.4% | 0.7% | |
| Diluted shares | 119M | 118M | 105M |
Where the cash went
Fiscal 2021 to 2025, five years combined
Aci Worldwide generated $1.21B from operations and spent $742.73M on capital expenditure, dividends and share buybacks. 10% of that went back into the business.
Generated
$1.21B
Used
$742.73M
Capital expenditure$70.92M10%Dividends$00%Share buybacks$671.81M90%
DuPont analysis
Return on equity split into margin, efficiency and leverage
Net margin12.9%
×Asset turnover0.57×
×Equity multiplier2.08×
=Return on equity, FY202515.4%
| Fiscal year | Net margin | Asset turnover | Equity multiplier | Return on equity |
|---|---|---|---|---|
| FY2025 | 12.9% | 0.57× | 2.08× | 15.4% |
| FY2024 | 12.7% | 0.49× | 2.35× | 14.8% |
| FY2023 | 8.4% | 0.44× | 2.64× | 9.7% |
| FY2022 | 10.0% | 0.45× | 2.61× | 11.7% |
| FY2021 | 9.3% | 0.42× | 2.67× | 10.4% |
| FY2020 | 5.6% | 0.39× | 2.84× | 6.2% |
| FY2019 | 5.3% | 0.47× | 2.47× | 6.2% |
| FY2018 | 6.8% | 0.51× | 2.20× | 7.6% |
| FY2017 | 0.5% | 0.54× | 2.48× | 0.7% |
| FY2016 | 12.9% | 0.52× | 2.75× | 18.4% |
Piotroski F-Score
Nine tests of profitability, balance sheet and efficiency, fiscal 2025 against fiscal 2024
7of 9 tests passed in fiscal 2025. Scores of 7 to 9 are usually read as strong.
- ProfitableNet income above zero$226.66M
- Cash generatingOperating cash flow above zero$322.83M
- Return on assets improvedROA up on the prior year5.9% → 7.5%
- Earnings backed by cashOperating cash flow above net income$322.83M vs $226.66M
- Less leverageLong-term debt to assets fell29.4% → 25.0%
- Better liquidityCurrent ratio rose1.64 → 1.54
- No dilutionShare count did not rise106M → 105M
- Gross margin improvedGross margin up on the prior year50.34% → 48.99%
- More efficientAsset turnover rose0.46 → 0.58