Business Description
ACI Worldwide, Inc. operates as a global software enterprise, specializing in the development, distribution, implementation, and ongoing support of digital payment solutions. These sophisticated offerings cater to the diverse needs of banks, merchants, and billing organizations worldwide. The company boasts an extensive portfolio of specialized platforms, which includes: ACI Acquiring: A merchant management system engineered to foster digital innovation, bolster fraud prevention, and help reduce interchange fees. ACI Issuing: A robust solution for the digital issuance of payments. ACI Enterprise Payments Platform: Delivers advanced capabilities for the processing and orchestration of digital payments. Real-Time Payments Solutions: This category features ACI Low Value Real-Time Payments for standard real-time transactions, and ACI High Value Real-Time Payments, a powerful engine supporting multi-bank, multi-currency, 24/7 payment processing, complete with SWIFT messaging integration. ACI Omni Commerce: A scalable platform designed for comprehensive omni-channel payment processing. ACI Secure eCommerce: A dedicated solution ensuring the security of online transactions. ACI Fraud Management: Employs a real-time methodology for effective fraud detection and prevention. ACI Digital Business Banking: A cloud-based platform offering modern digital banking services. ACI Speedpay: An integrated suite providing digital billing, payment, disbursement, and communication services. Beyond its core software products, ACI Worldwide provides electronic bill presentment and payment services to a broad array of sectors, including consumer finance, insurance, healthcare, higher education, utilities, government, and mortgage. The company also offers essential support services such as implementation (encompassing product installation, configuration, and tailored software modifications), along with business and technical consulting, on-site assistance, product education, and comprehensive testing. Furthermore, ACI acts as a distributor and sales representative for third-party software products. All its solutions and services are marketed under the consistent ACI Worldwide brand. Initially known as Transaction Systems Architects, Inc., the company officially rebranded to ACI Worldwide, Inc. in July 2007. Founded in 1975, its operational headquarters are situated in Coral Gables, Florida.
Business History
Revenue & Net Income Trend
| Period | Revenue | Net Income | Net Margin | YoY/QoQ |
|---|
Key Metrics
EPS (Diluted): 2.18
Total Equity: $1.52B
Shares: 104,805,000
Total Debt: $849.07M
Cash: $196.46M
EBITDA: $471.16M
Total Debt: $849.07M
Cash: $196.46M
Revenue: $1.76B
Revenue: $1.76B
Revenue: $1.76B
Total Equity: $1.52B
Tax Rate: 26.1%
Equity: $1.52B
Total Debt: $849.07M
Cash: $196.46M
Current Liabilities: $705.64M
Long-Term Debt: $799.28M
Total Debt: $849.07M
Total Equity: $1.52B
Shares: 104,805,000
Shares: 104,805,000
CapEx: -$12.91M
Shares: 104,805,000
Stock Price: $48.59
Net Income: $226.66M
Industry Benchmarks
Deep Analysis
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Income Statement (Annual)
Last updated: Jun 21, 2026 7:12pm (5d ago)| Metric | 2021 | 2022 | 2023 | 2024 | 2025 |
|---|---|---|---|---|---|
| Revenue | $1.4B | $1.4B | $1.5B | $1.6B | $1.8B |
| Cost of Revenue | $638.9M | $696.1M | $719.2M | $791.8M | $897.7M |
| Gross Profit | $731.7M | $725.8M | $733.4M | $802.5M | $862.1M |
| Operating Expenses | $521.8M | $522.0M | $513.0M | $494.4M | $532.2M |
| Operating Income | $209.9M | $203.8M | $220.4M | $308.1M | $329.9M |
| Net Income | $127.8M | $142.2M | $121.5M | $203.1M | $226.7M |
| EBITDA | $364.0M | $398.2M | $360.1M | $443.5M | $471.2M |
| EPS | $1.09 | $1.25 | $1.12 | $1.93 | $2.18 |
| EPS (Diluted) | — | — | — | — | — |
Balance Sheet (Annual)
Last updated: Jun 21, 2026 7:12pm (5d ago)| Metric | 2021 | 2022 | 2023 | 2024 | 2025 |
|---|---|---|---|---|---|
| Cash & Equivalents | $122.1M | $125.0M | $164.2M | $216.4M | $196.5M |
| Total Current Assets | $937.4M | $1.1B | $1.4B | $990.8M | $1.1B |
| Total Assets | $3.2B | $3.2B | $3.4B | $3.0B | $3.1B |
| Current Liabilities | $754.2M | $858.8M | $1.0B | $602.6M | $705.6M |
| Long-Term Debt | $1.0B | $1.0B | $963.6M | $889.6M | $799.3M |
| Total Liabilities | $1.9B | $2.0B | $2.1B | $1.6B | $1.6B |
| Total Equity | $1.2B | $1.2B | $1.3B | $1.4B | $1.5B |
| Retained Earnings | $1.1B | $1.3B | $1.4B | $1.6B | $1.8B |
Cash Flow (Annual)
Last updated: Jun 21, 2026 7:12pm (5d ago)| Metric | 2021 | 2022 | 2023 | 2024 | 2025 |
|---|---|---|---|---|---|
| Operating Cash Flow | $220.5M | $143.4M | $168.5M | $358.7M | $322.8M |
| Capital Expenditure | -$45.4M | -$39.9M | -$37.8M | -$15.4M | -$12.9M |
| Free Cash Flow | $175.1M | $103.5M | $130.7M | $343.3M | $309.9M |
| Acquisitions (net) | $0 | $100.1M | $0 | $0 | -$5.4M |
| Debt Repayment | — | — | — | — | — |
| Dividends Paid | — | — | — | — | — |
| Stock Buybacks | -$107.4M | -$206.5M | -$27.6M | -$127.7M | -$202.6M |
| Net Change in Cash | -$81.2M | $30.5M | $24.1M | $26.2M | -$6.0M |
Analyst Estimates (Annual)
Last updated: Jun 26, 2026 1:22pm (19h ago)| Metric | 2024 | 2025 | 2026 | 2027 |
|---|---|---|---|---|
| Revenue |
$1.6B $1.6B – $1.6B
|
$1.7B $1.7B – $1.7B
|
$1.9B $1.9B – $1.9B
|
$2.0B $2.0B – $2.1B
|
| EBITDA |
$426.9M $424.2M – $429.6M
|
$466.9M $465.5M – $468.3M
|
$509.6M $508.0M – $511.1M
|
$548.1M $546.4M – $549.7M
|
| Net Income |
$164.6M $161.4M – $167.7M
|
$245.4M $244.4M – $246.3M
|
$261.7M $260.7M – $262.7M
|
$304.7M $303.5M – $305.9M
|
| EPS | — | — | — | — |
Growth Trends (YoY %)
Last updated: Jun 21, 2026 7:12pm (5d ago)| Metric | 2022 | 2023 | 2024 | 2025 |
|---|---|---|---|---|
| Revenue Growth | +3.7% | +2.2% | +9.8% | +10.4% |
| Gross Profit Growth | -0.8% | +1.0% | +9.4% | +7.4% |
| Operating Income Growth | -2.9% | +8.1% | +39.8% | +7.1% |
| Net Income Growth | +11.3% | -14.5% | +67.2% | +11.6% |
| EBITDA Growth | +9.4% | -9.6% | +23.2% | +6.2% |
Narrative Economics
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