ACI WORLDWIDE, INC.

Listed Company

ACIWCIK 0000935036NasdaqLarge AcceleratedServices-Prepackaged SoftwareDelawareFY ends Dec 31

Period

FY 2025

Revenue

$1.76B

Net Income

$226.66M

Total Assets

$3.10B

Equity

$1.52B

Shares Out

101.66M

Op. Cash Flow

$322.83M

ACIW$58.05+26.93% · past yearDBEQ Basic

Daily closing prices

Business

ACI Worldwide develops, markets, and supports software solutions delivering intelligent payments orchestration to banks, merchants, and billers globally. The company provides issuing and acquiring, real-time payments, merchant orchestration, fraud management, and bill payment solutions. ACI serves banks, intermediaries, merchants, and billers across consumer finance, insurance, healthcare, and other industries through direct sales in the Americas, EMEA, and Asia Pacific. Solutions are delivered on-premises, cloud-based (SaaS/PaaS), or in hybrid models, with professional services and 24/7 support.

Summary from 10-K filed 2026-02-26

Financials

Consolidated Statement of Income

Year Ended · In millions, except per-share amounts

Concept	FY 2025 2025-12-31	FY 2024 2024-12-31	FY 2023 2023-12-31	FY 2022 2022-12-31	FY 2021 2021-12-31
Total revenues	1,760	1,594	1,453	1,422	1,371
Cost of revenue	898	792	719	696	639
Research and development	168	147	141	146	144
Selling and marketing	125	118	133	135	127
General and administrative	143	118	117	114	124
Depreciation and amortization	97	111	122	127	127
Total operating expenses	1,430	1,286	1,232	1,218	1,161
Operating income	330	308	220	204	210
Interest expense	−58	−72	−78	−53	—
Interest income	15	16	14	13	12
Other, net	20	−1	−9	43	−1
Total other income (expense)	−23	−58	−73	3	−35
Income before income taxes	307	250	148	207	175
Income tax expense	80	47	26	64	47
Net income	227	203	122	142	128
Basic (in dollars per share)	2.18	1.93	1.12	1.25	1.09
Diluted (in dollars per share)	2.16	1.91	1.12	1.24	1.08
Basic (in shares)	104	105	108	114	117
Diluted (in shares)	105	106	109	114	119

Consolidated Balance Sheet

As of · In millions, except per-share amounts

Concept	FY 2025 2025-12-31	FY 2024 2024-12-31	FY 2023 2023-12-31	FY 2022 2022-12-31	FY 2021 2021-12-31
Cash and cash equivalents	196	216	164	125	122
Receivables, net of allowances of $1,269 and $1,758, respectively	446	414	452	404	320
Settlement assets	397	319	723	541	452
Prepaid expenses	30	29	31	28	25
Other current assets	20	12	36	17	18
Total current assets	1,089	991	1,407	1,115	937
Accrued receivables, net	392	360	314	298	276
Property and equipment, net	37	35	38	52	63
Operating lease right-of-use assets	29	29	34	40	48
Software, net	78	93	108	129	158
Goodwill	1,231	1,226	1,226	1,226	1,280
Intangible assets, net	147	165	196	229	283
Deferred income taxes, net	73	73	58	54	51
Other noncurrent assets	29	53	63	67	62
TOTAL ASSETS	3,105	3,025	3,445	3,210	3,159
Accounts payable	65	45	46	48	41
Settlement liabilities	396	317	721	539	452
Employee compensation	56	56	54	45	51
Current portion of long-term debt	41	35	74	66	46
Deferred revenue	74	75	60	58	84
Other current liabilities	74	74	82	103	80
Total current liabilities	706	603	1,037	859	754
Deferred revenue	14	19	25	23	26
Long-term debt	777	890	964	1,024	1,020
Deferred income taxes, net	39	40	41	40	36
Operating lease liabilities	23	23	29	34	43
Other noncurrent liabilities	29	27	25	36	35
Total liabilities	1,586	1,601	2,120	2,017	1,914
Commitments and contingencies (Note 12)	—	—	—	—	—
Preferred stock; $0.01 par value; 5,000,000 shares authorized; no shares issued at December 31, 2025 and 2024	0	0	0	0	0
Common stock; $0.005 par value; 280,000,000 shares authorized; 140,525,055 shares issued at December 31, 2025 and 2024	702,000	702,000	702,000	702,000	702,000
Additional paid-in capital	762	732	713	702	688
Retained earnings	1,825	1,598	1,395	1,273	1,131
Treasury stock, at cost, 37,812,984 and 35,270,142 shares at December 31, 2025 and 2024, respectively	−965	−785	−675	−666	−476
Accumulated other comprehensive loss	−103	−121	−109	−118	−100
Total stockholders equity	1,519	1,424	1,324	1,193	1,245
TOTAL LIABILITIES AND STOCKHOLDERS EQUITY	3,105	3,025	3,445	3,210	3,159

Consolidated Statement of Cash Flows

Year Ended · In millions, except per-share amounts

Concept	FY 2025 2025-12-31	FY 2024 2024-12-31	FY 2023 2023-12-31	FY 2022 2022-12-31	FY 2021 2021-12-31
Depreciation	13	18	24	23	21
Amortization	84	93	99	104	112
Amortization of operating lease right-of-use assets	10	10	12	11	11
Amortization of deferred debt issuance costs	2	3	4	5	5
Deferred income taxes	943,000	−13	−4	2	4
Stock-based compensation expense	71	41	25	30	27
Gain on sale of equity investment	−26	0	0	—	—
Other	2	2	2	3	855,000
Receivables	−46	−24	−63	−132	−44
Accounts payable	11	−268,000	−4	8	1
Accrued employee compensation	−726,000	3	8	−3	4
Deferred revenue	−10	12	3	−3	−17
Other current and noncurrent assets and liabilities	−14	11	−58	−7	−32
Net cash flows from operating activities	323	359	169	143	220
Purchases of property and equipment	−13	−15	−9	−13	−21
Purchases of software and distribution rights	−20	−30	−29	−27	−25
Proceeds from sale of equity investment	46	0	0	—	—
Other	−5	0	0	0	0
Net cash flows from investing activities	7	−45	−38	60	−45
Proceeds from issuance of common stock	3	3	3	4	3
Proceeds from exercises of stock options	8	6	7	5	9
Repurchase of stock-based compensation awards for tax withholdings	−28	−13	−5	−7	−15
Repurchase of common stock	−203	−128	−28	−207	−107
Redemption of 2026 Notes	−400	0	0	—	—
Proceeds from revolving credit facility	290	184	134	180	35
Repayments of revolving credit facility	−160	−238	−115	−75	−90
Proceeds from term portion of credit agreement	200	500	0	0	0
Repayments of term portion of credit agreement	−40	−557	−73	−85	−39
Payments on other debt, net	−21	−15	−17	−12	−15
Payments for debt issuance costs	−134,000	−5	−2	0	0
Net increase (decrease) in settlement assets and liabilities	14	−25	−15	27	−38
Net cash flows from financing activities	−337	−288	−112	−171	−257
Effect of exchange rate fluctuations on cash	572,000	697,000	5	−2	533,000
Net increase (decrease) in cash and cash equivalents	−6	26	24	31	−81
Income taxes paid, net	90	48	65	44	46
Interest paid	64	70	74	49	40

Filings

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Frequently asked questions

What is ACI WORLDWIDE, INC.'s CIK number?

ACI WORLDWIDE, INC.'s SEC CIK number is 0000935036 (935036). The CIK (Central Index Key) is the permanent identifier the SEC assigns to every EDGAR filer — unlike a ticker symbol, it never changes.

Where can I find ACI WORLDWIDE, INC.'s SEC filings?

All of ACI WORLDWIDE, INC.'s EDGAR filings — 10-K annual reports, 10-Q quarterly reports, 8-K material events, and insider transactions — are listed on this page, sourced live from SEC EDGAR.

When did ACI WORLDWIDE, INC. last report earnings?

ACI WORLDWIDE, INC. (ACIW) most recently filed an earnings 8-K with the SEC on May 7, 2026, furnishing its results under Item 2.02 (Results of Operations and Financial Condition). The earnings press release is attached to that filing (accession 0000935036-26-000019). This is ACI WORLDWIDE, INC.'s most recent earnings filing of record — not a forecast of its next earnings date.

What is ACI WORLDWIDE, INC.'s most recent earnings 8-K?

ACI WORLDWIDE, INC.'s latest earnings 8-K (Item 2.02) was filed May 7, 2026 under accession 0000935036-26-000019. It carries the quarterly or annual earnings press release — the earliest official, SEC-filed version of the results.

View ACI WORLDWIDE, INC.'s latest earnings 8-K →
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