ACI WORLDWIDE, INC. financial statements

Income statement, balance sheet and cash flow statement for the last 10 fiscal years, taken from the XBRL data ACI WORLDWIDE, INC. files with the SEC in its annual reports.

In USD millions, except per-share amounts. Outflows in the cash flow statement are negative.

Income statement

	FY2016	FY2017	FY2018	FY2019	FY2020	FY2021	FY2022	FY2023	FY2024	FY2025
Revenue	1,006	1,024	1,010	1,258	1,294	1,371	1,422	1,453	1,594	1,760
Cost of revenue	445	452	430	617	622	639	696	719	792	898
Gross profit	561	572	579	641	672	732	726	733	803	862
Selling and marketing	118	108	118	124	104	127	135	133	118	125
General and administrative	114	153	107	135	152	124	114	117	118	143
Operating expenses	785	940	884
Operating income	221	84.6	126	124	145	210	204	220	308	330
Interest expense	40.2	39	41.5	64	56.6	45.1	53.2	78.5	72.5	57.8
Interest income	0.53	0.56	11.1	12	11.6	11.5	12.5	14.2	15.9	14.9
Other non-operating income	-35.5	-41.1	-34.1	-51.5	-46.1	-34.8	2.8	-72.8	-57.7	-23.2
Pre-tax income	186	43.6	91.8	72.2	98.6	175	207	148	250	307
Income tax	56	38.4	22.9	5.15	26	47.3	64.5	26.1	47.3	80
Net income	130	5.14	68.9	67.1	72.7	128	142	122	203	227
EBITDA	325	187	223	246	285	343	331	343	419	427
EPS, basic	1.10	0.04	0.59	0.58	0.62	1.09	1.25	1.12	1.93	2.18
EPS, diluted	1.09	0.04	0.59	0.57	0.62	1.08	1.24	1.12	1.91	2.16
Shares, basic (weighted)	118	118	116	116	116	117	114	108	105	104
Shares, diluted (weighted)	119	119	118	119	118	119	114	109	106	105
Dividend per share	0.00	0.00

Balance sheet

	FY2016	FY2017	FY2018	FY2019	FY2020	FY2021	FY2022	FY2023	FY2024	FY2025
Cash and equivalents	75.8	69.7	149	121	165	122	125	164	216	196
Receivables	268	263	348	151	168	320	404	452	414	446
Other current assets	33.6	58.1	14.3	24.2	17.4	17.9	17.4	35.6	11.9	19.6
Total current assets	408	422	566	920	1,155	937	1,115	1,407	991	1,089
Property, plant and equipment	79	80.2	72.7	70.4	64.7	63.1	52.5	37.9	35.1	37.4
Lease right-of-use assets			0	57.4	41.2	47.8	40	34.3	28.9	28.7
Goodwill	910	910	910	1,281	1,280	1,280	1,226	1,226	1,226	1,231
Intangible assets	204	191	168	357	322	283	229	196	165	147
Other non-current assets	39.1	36.5	52.1	72.7	54.1	62.5	67.2	63.3	53.5	29.1
Total assets	1,902	1,862	2,122	3,258	3,387	3,159	3,210	3,445	3,025	3,105
Accounts payable	42.9	34.7	39.6	37	41.2	41.3	48	46	45.4	64.9
Accrued liabilities	47.8	48.9	38.1	29.3	48.6	51.4	45.3	53.9	55.6	56.1
Deferred revenue	105	108	105	65.8	95.8	84.4	58.3	59.6	75.4	73.6
Short-term debt	90.3	17.8	20.8	34.1	34.3	45.9	65.5	74.4	34.9	40.9
Total current liabilities	376	322	297	612	906	754	859	1,037	603	706
Long-term debt	654	668	651	1,339	1,121	1,020	1,024	964	890	777
Lease liabilities			0	46.8	40	43.3	33.9	29.1	22.6	22.6
Other non-current liabilities	41.2	38.4	43.6	44.6	39.9	34.5	36	25	26.9	28.8
Total liabilities	1,147	1,097	1,074	2,128	2,180	1,914	2,017	2,120	1,601	1,586
Total debt	744	686	672	1,373	1,155	1,066	1,090	1,038	925	818
Paid-in capital	600	610	632	668	682	688	702	713	732	762
Retained earnings	546	551	864	931	1,003	1,131	1,273	1,395	1,598	1,825
Treasury stock	-298	-320	-356	-378	-388	-476	-666	-675	-785	-965
Other comprehensive income	-94.1	-77.4	-92.6	-91.6	-92.4	-99.5	-118	-109	-121	-103
Shareholders' equity	755	765	1,048	1,130	1,207	1,245	1,193	1,324	1,424	1,519
Total equity	755	765	1,048	1,130	1,207	1,245	1,193	1,324	1,424	1,519
Total liabilities and equity	1,902	1,862	2,122	3,258	3,387	3,159	3,210	3,445	3,025	3,105
Shares outstanding	117	117	116	116	117	116	108	108	105	103

Cash flow statement

	FY2016	FY2017	FY2018	FY2019	FY2020	FY2021	FY2022	FY2023	FY2024	FY2025
Net income	130	5.14	68.9	67.1	72.7	128	142	122	203	227
Depreciation and amortization	103	102	97.4	123	140	133	127	122	111	96.9
Stock-based compensation	43.6	13.7	20.4	36.8	29.6	27.2	29.8	24.5	41.3	70.6
Deferred income tax	17.7	21.7	-5.73	-22.1	3.35	3.73	1.6	-4.09	-13.1	0.94
Change in receivables	-76.5	-8.24	-14.8	-19.1	8.79	-43.8	-132	-63	-23.6	-46.2
Change in payables	-13.9	-1.7	5.77	-7.7	2.48	1.41	7.73	-3.78	-0.27	11.3
Cash from operations	99.8	146	184	133	315	220	143	169	359	323
Capital expenditures	-40.8	-25.7	-18.3	-23.1	-17.8	-20.6	-13.1	-8.92	-15.4	-12.9
Acquisitions	0.23	0	0	-757	0	0
Cash from investing	130	-54.4	-45.4	-830	-30.7	-45.4	60.2	-37.8	-45.1	7.22
Debt issued		0	400	0	0
Debt repaid		0	-300	0	0			0	0	-400
Stock issued	2.99	2.96	3.1	3.59	3.76	3.44	3.58	2.82	2.92	3.42
Share buybacks	-60.1	-37.4	-54.5	-35.6	-28.9	-107	-207	-27.6	-128	-203
Cash from financing	-251	-98.1	-57.7	668	-160	-257	-171	-112	-288	-337
Exchange rate effect	-4.87	0.32	-2.08	-1.5	-0.06	0.53	-2.04	4.96	0.7	0.57
Net change in cash	-26.5	-6.04	78.8	-31	124	-81.2	30.5	24.1	26.2	-6.02
Free cash flow	59	120	166	110	297	200	130	160	343	310
Interest paid	35.1	35	35.3	59	52	40.1	48.5	73.5	70.2	64
Income taxes paid	19.1	37.8	32.2	27.7	27.8	46.2	43.6	65.4	47.9	90

Key metrics

Worked out from the statements above. Latest values use the trailing twelve months to June 30, 2026; growth uses fiscal years. Valuation uses the share price of $49.51 on September 25, 2026.

Profitability

Metric	Value	How it is calculated
Gross margin	49.1%	Gross profit / revenue.
Operating margin	18.6%	Operating income / revenue.
EBITDA margin	24.0%	EBITDA (operating income + depreciation and amortization) / revenue.
Pre-tax margin	16.8%	Pre-tax income / revenue.
Net margin	12.4%	Net income / revenue.
FCF margin	17.1%	Free cash flow (cash from operations - capital expenditures) / revenue.
Operating cash flow margin	18.1%	Cash from operations / revenue.
Effective tax rate	26.4%	Income tax / pre-tax income, when pre-tax income is positive.
Return on equity (ROE)	15.1%	Net income / average shareholders' equity (opening and closing). Not shown when equity is negative.
Return on assets (ROA)	7.3%	Net income / average total assets.
Return on invested capital (ROIC)	11.6%	Approximation: operating income x (1 - tax rate) / average (total debt + equity - cash). Tax rate is the effective rate when between 0% and 50%, else 21%.
Stock-based pay / revenue	4.3%	Stock-based compensation (from the cash flow statement) / revenue.
Capex / revenue	1.0%	Capital expenditures / revenue.
D&A / revenue	5.4%	Depreciation and amortization / revenue.

Growth

Metric	Value	How it is calculated
Revenue growth, 1y	10.4%	Revenue vs the same period a year earlier. Only from a positive base.
Revenue CAGR, 3y	7.4%	Compound annual growth of revenue over 3 fiscal years: (end / start)^(1/3) - 1. Only when both values are positive.
Revenue CAGR, 5y	6.3%	Compound annual growth of revenue over 5 fiscal years: (end / start)^(1/5) - 1. Only when both values are positive.
Gross profit growth, 1y	7.4%	Gross profit vs the same period a year earlier. Only from a positive base.
Gross profit CAGR, 3y	5.9%	Compound annual growth of gross profit over 3 fiscal years: (end / start)^(1/3) - 1. Only when both values are positive.
Gross profit CAGR, 5y	5.1%	Compound annual growth of gross profit over 5 fiscal years: (end / start)^(1/5) - 1. Only when both values are positive.
Operating income growth, 1y	7.1%	Operating income vs the same period a year earlier. Only from a positive base.
Operating income CAGR, 3y	17.4%	Compound annual growth of operating income over 3 fiscal years: (end / start)^(1/3) - 1. Only when both values are positive.
Operating income CAGR, 5y	17.9%	Compound annual growth of operating income over 5 fiscal years: (end / start)^(1/5) - 1. Only when both values are positive.
EBITDA growth, 1y	1.9%	EBITDA vs the same period a year earlier. Only from a positive base.
EBITDA CAGR, 3y	8.8%	Compound annual growth of ebitda over 3 fiscal years: (end / start)^(1/3) - 1. Only when both values are positive.
EBITDA CAGR, 5y	8.4%	Compound annual growth of ebitda over 5 fiscal years: (end / start)^(1/5) - 1. Only when both values are positive.
Net income growth, 1y	11.6%	Net income vs the same period a year earlier. Only from a positive base.
Net income CAGR, 3y	16.8%	Compound annual growth of net income over 3 fiscal years: (end / start)^(1/3) - 1. Only when both values are positive.
Net income CAGR, 5y	25.5%	Compound annual growth of net income over 5 fiscal years: (end / start)^(1/5) - 1. Only when both values are positive.
EPS growth, 1y	13.1%	EPS vs the same period a year earlier. Only from a positive base.
EPS CAGR, 3y	20.3%	Compound annual growth of eps over 3 fiscal years: (end / start)^(1/3) - 1. Only when both values are positive.
EPS CAGR, 5y	28.4%	Compound annual growth of eps over 5 fiscal years: (end / start)^(1/5) - 1. Only when both values are positive.
Operating cash flow growth, 1y	-10.0%	Operating cash flow vs the same period a year earlier. Only from a positive base.
Operating cash flow CAGR, 3y	31.1%	Compound annual growth of operating cash flow over 3 fiscal years: (end / start)^(1/3) - 1. Only when both values are positive.
Operating cash flow CAGR, 5y	0.5%	Compound annual growth of operating cash flow over 5 fiscal years: (end / start)^(1/5) - 1. Only when both values are positive.
Free cash flow growth, 1y	-9.7%	Free cash flow vs the same period a year earlier. Only from a positive base.
Free cash flow CAGR, 3y	33.5%	Compound annual growth of free cash flow over 3 fiscal years: (end / start)^(1/3) - 1. Only when both values are positive.
Free cash flow CAGR, 5y	0.8%	Compound annual growth of free cash flow over 5 fiscal years: (end / start)^(1/5) - 1. Only when both values are positive.
Book value growth, 1y	6.7%	Book value vs the same period a year earlier. Only from a positive base.
Book value CAGR, 3y	8.4%	Compound annual growth of book value over 3 fiscal years: (end / start)^(1/3) - 1. Only when both values are positive.
Book value CAGR, 5y	4.7%	Compound annual growth of book value over 5 fiscal years: (end / start)^(1/5) - 1. Only when both values are positive.
Total assets growth, 1y	2.6%	Total assets vs the same period a year earlier. Only from a positive base.
Total assets CAGR, 3y	-1.1%	Compound annual growth of total assets over 3 fiscal years: (end / start)^(1/3) - 1. Only when both values are positive.
Total assets CAGR, 5y	-1.7%	Compound annual growth of total assets over 5 fiscal years: (end / start)^(1/5) - 1. Only when both values are positive.
Share count change, 1y	-1.6%	Change in diluted weighted shares vs a year earlier. Negative means buybacks shrank the share count; positive means dilution.
Share count change per year, 3y	-2.8%	Change in diluted weighted shares, per year over 3 years. Negative means buybacks shrank the share count; positive means dilution.
Share count change per year, 5y	-2.4%	Change in diluted weighted shares, per year over 5 years. Negative means buybacks shrank the share count; positive means dilution.

Balance sheet health

Metric	Value	How it is calculated
Current ratio	1.58x	Current assets / current liabilities.
Quick ratio	0.87x	(Cash + short-term investments + receivables) / current liabilities.
Cash ratio	0.23x	(Cash + short-term investments) / current liabilities.
Debt / equity	0.55x	Total debt / shareholders' equity. Not shown when equity is negative.
Debt / assets	26.6%	Total debt / total assets.
Liabilities / assets	51.6%	Total liabilities / total assets.
Net debt	$654.8M	Total debt - cash - short-term investments. Negative means more cash than debt.
Net debt / EBITDA	1.50x	Net debt / EBITDA (twelve months), when EBITDA is positive.
Interest coverage	6.41x	Operating income / interest expense.
Working capital	$421.0M	Current assets - current liabilities.
Goodwill and intangibles / assets	39.8%	(Goodwill + intangible assets) / total assets.
Tangible book value	$265.8M	Shareholders' equity - goodwill - intangible assets.

Efficiency

Metric	Value	How it is calculated
Asset turnover	0.59x	Revenue / average total assets.
Fixed asset turnover	47.8x	Revenue / average property, plant and equipment.
Receivables turnover	3.96x	Revenue / average receivables.
Days sales outstanding	92 days	365 x average receivables / revenue.
Days payables	26 days	365 x average accounts payable / cost of revenue.
FCF conversion	138.0%	Free cash flow / net income, when net income is positive.
Capex / operating cash flow	5.6%	Capital expenditures / cash from operations, when that is positive.

Per share

Metric	Value	How it is calculated
EPS, diluted	$2.22	Net income per diluted share, as reported (split-adjusted). Over the last twelve months: the four quarters summed, or net income / latest diluted shares when a quarter has no reported EPS.
Revenue per share	$17.90	Revenue / diluted weighted shares.
FCF per share	$3.06	Free cash flow / diluted weighted shares.
Operating cash flow per share	$3.24	Cash from operations / diluted weighted shares.
Book value per share	$14.79	Shareholders' equity / shares outstanding (diluted weighted shares when not reported).
Tangible book per share	$2.63	Tangible book value / shares outstanding.
Cash per share	$1.65	(Cash + short-term investments) / shares outstanding.
Buybacks / FCF	56.4%	Share buybacks / free cash flow, when free cash flow is positive.

Valuation

Metric	Value	How it is calculated
Market cap	$5.00B	Share price x shares outstanding.
Enterprise value	$5.65B	Market cap + total debt - cash - short-term investments.
P/E	22.1x	Market cap / net income. Only when net income is positive.
P/S	2.75x	Market cap / revenue.
P/B	3.34x	Market cap / shareholders' equity. Only when equity is positive.
Price / tangible book	18.8x	Market cap / tangible book value, when positive.
P/FCF	16.1x	Market cap / free cash flow. Only when free cash flow is positive.
P/OCF	15.2x	Market cap / cash from operations, when positive.
EV/Sales	3.11x	Enterprise value / revenue.
EV/EBIT	16.7x	Enterprise value / operating income, when both are positive.
EV/EBITDA	12.9x	Enterprise value / EBITDA, when both are positive.
EV/FCF	18.2x	Enterprise value / free cash flow, when both are positive.
FCF yield	6.2%	Free cash flow / market cap.
Earnings yield	4.5%	Net income / market cap (the inverse of P/E).
Shareholder yield	3.5%	(Dividends paid + share buybacks) / market cap.
PEG	1.09x	P/E / EPS growth per year over 3 years (in percent). Only when both are positive.

What was ACI WORLDWIDE, INC.'s revenue in fiscal 2025?

ACI WORLDWIDE, INC. reported revenue of $1.76B for fiscal 2025, 10.4% higher than the year before.

Was ACI WORLDWIDE, INC. profitable in fiscal 2025?

Yes. Net income was $226.7M, a net margin of 12.9%.

How much free cash flow did ACI WORLDWIDE, INC. generate in fiscal 2025?

Cash from operations of $322.8M minus capital expenditures of $12.9M left free cash flow of $309.9M.

Source: SEC EDGAR XBRL company facts. Where a company tags only year-to-date figures, quarters are worked out as differences. Where a line is not tagged it is left empty, never estimated.

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