For the twelve months ended Sep 30, 2026, ACI Worldwide Inc. reported $1.76B of revenue and $166.97M of net income.
ACIW revenue was $426.81M in fiscal Q3 2026 (ended Sep 30, 2026), down 11.5% from a year earlier and down 0.8% from the prior quarter. For the full fiscal 2025 it was $1.76B, up 10.4% from fiscal 2024. Compound annual growth was +6.3% over 5 years and +5.3% over 10 years. It rose in 8 of the last 10 fiscal years. Fiscal 2025 is the highest of the 15 fiscal years on file.
ACIW net income was $32.53M in fiscal Q3 2026 (ended Sep 30, 2026), down 64.4% from a year earlier and up 2.3% from the prior quarter. For the full fiscal 2025 it was $226.66M, up 11.6% from fiscal 2024. Compound annual growth was +25.5% over 5 years and +10.2% over 10 years. It rose in 7 of the last 10 fiscal years. Fiscal 2025 is the highest of the 15 fiscal years on file.
ACIW diluted EPS was $0.32 in fiscal Q3 2026 (ended Sep 30, 2026), down 63.6% from a year earlier and up 3.2% from the prior quarter. For the full fiscal 2025 it was $2.16, up 13.1% from fiscal 2024. Compound annual growth was +28.4% over 5 years and +11.6% over 10 years.
ACIW free cash flow was $116.34M in fiscal Q3 2026 (ended Sep 30, 2026), up 67.1% from a year earlier and up 82.0% from the prior quarter. For the full fiscal 2025 it was $309.92M, down 9.7% from fiscal 2024. Compound annual growth was +0.8% over 5 years and +6.8% over 10 years. It rose in 5 of the last 10 fiscal years.
| Line item | Dec 31, 2025 | Dec 31, 2024 | Dec 31, 2023 | Dec 31, 2022 | Dec 31, 2021 | Dec 31, 2020 | Dec 31, 2019 | Dec 31, 2018 | Dec 31, 2017 | Dec 31, 2016 |
|---|---|---|---|---|---|---|---|---|---|---|
| Revenue | $1.76B | $1.59B | $1.45B | $1.42B | $1.37B | $1.29B | $1.26B | $1.01B | $1.02B | $1.01B |
| Cost of revenue | $897.65M | $791.78M | $719.21M | $696.07M | $638.87M | $622.46M | $617.45M | $430.35M | $452.29M | $444.91M |
| Gross profit | $862.13M | $802.50M | $733.37M | $725.83M | $731.73M | $671.86M | $640.84M | $579.43M | $571.90M | $560.79M |
| Selling, general and admin | $142.71M | $118.38M | $117.19M | $114.19M | $123.80M | $152.47M | $135.30M | $107.42M | $153.03M | $113.62M |
| Operating income | $329.91M | $308.13M | $220.41M | $203.84M | $209.90M | $144.74M | $123.76M | $125.91M | $84.64M | $221.13M |
| Interest expense | $57.85M | $72.47M | $78.49M | $53.19M | $45.06M | $56.63M | $64.03M | $41.53M | $39.01M | $40.18M |
| Pre-tax income | $306.67M | $250.41M | $147.63M | $206.63M | $175.06M | $98.63M | $72.21M | $91.80M | $43.57M | $185.58M |
| Income tax | $80.01M | $47.29M | $26.12M | $64.46M | $47.27M | $25.97M | $5.15M | $22.88M | $38.44M | $56.05M |
| Net income | $226.66M | $203.12M | $121.51M | $142.18M | $127.79M | $72.66M | $67.06M | $68.92M | $5.13M | $129.53M |
| EPS, basic | $2.18 | $1.93 | $1.12 | $1.25 | $1.09 | $0.62 | $0.58 | $0.59 | $0.04 | $1.10 |
| EPS, diluted | $2.16 | $1.91 | $1.12 | $1.24 | $1.08 | $0.62 | $0.57 | $0.59 | $0.04 | $1.09 |
| Diluted shares | 104.8M | 106.5M | 108.9M | 114.2M | 118.6M | 118.1M | 118.6M | 117.6M | 119.4M | 118.8M |
| Line item | Dec 31, 2025 | Dec 31, 2024 | Dec 31, 2023 | Dec 31, 2022 | Dec 31, 2021 | Dec 31, 2020 | Dec 31, 2019 | Dec 31, 2018 | Dec 31, 2017 | Dec 31, 2016 |
|---|---|---|---|---|---|---|---|---|---|---|
| Cash and equivalents | $196.46M | $265.02M | $164.24M | $214.67M | $184.14M | $265.38M | $141.13M | $172.15M | $69.71M | $75.75M |
| Receivables | $445.87M | $414.40M | $452.34M | $403.78M | $320.40M | $167.61M | $150.69M | $348.18M | $262.85M | $268.16M |
| Current assets | $1.09B | $990.82M | $1.41B | $1.11B | $937.43M | $1.15B | $920.38M | $566.48M | $421.82M | $407.99M |
| Goodwill | $1.23B | $1.23B | $1.23B | $1.23B | $1.28B | $1.28B | $1.28B | $909.69M | $909.69M | $909.69M |
| Total assets | $3.10B | $3.03B | $3.44B | $3.21B | $3.16B | $3.39B | $3.26B | $2.12B | $1.86B | $1.90B |
| Current liabilities | $705.64M | $602.63M | $1.04B | $858.84M | $754.15M | $905.61M | $611.95M | $296.62M | $321.78M | $376.37M |
| Short-term debt | $40.94M | $34.93M | $74.41M | $65.52M | $45.87M | $34.27M | $34.15M | $20.77M | $17.79M | $90.32M |
| Long-term debt | $776.67M | $889.65M | $963.60M | $1.02B | $1.02B | $1.12B | $1.34B | $650.99M | $667.94M | $653.60M |
| Total debt | $817.61M | $924.58M | $1.04B | $1.09B | $1.07B | $1.16B | $1.37B | $671.76M | $685.73M | $743.92M |
| Total liabilities | $1.59B | $1.60B | $2.12B | $2.02B | $1.91B | $2.18B | $2.13B | $1.07B | $1.10B | $1.15B |
| Shareholders' equity | $1.52B | $1.42B | $1.32B | $1.19B | $1.24B | $1.21B | $1.13B | $1.05B | $764.60M | $754.92M |
| Line item | Dec 31, 2025 | Dec 31, 2024 | Dec 31, 2023 | Dec 31, 2022 | Dec 31, 2021 | Dec 31, 2020 | Dec 31, 2019 | Dec 31, 2018 | Dec 31, 2017 | Dec 31, 2016 |
|---|---|---|---|---|---|---|---|---|---|---|
| Operating cash flow | $322.83M | $358.75M | $168.52M | $143.38M | $220.47M | $314.89M | $132.60M | $183.93M | $146.20M | $99.83M |
| Capital expenditures | $12.91M | $15.40M | $8.92M | $13.10M | $20.58M | $17.80M | $23.10M | $18.27M | $25.72M | $40.81M |
| Free cash flow | $309.92M | $343.35M | $159.59M | $130.28M | $199.89M | $297.09M | $109.51M | $165.67M | $120.48M | $59.02M |
| Investing cash flow | $7.22M | -$45.05M | -$37.78M | $60.25M | -$45.37M | -$30.70M | -$830.48M | -$45.36M | -$54.41M | $129.63M |
| Financing cash flow | -$336.65M | -$288.20M | -$111.55M | -$171.06M | -$256.88M | -$159.89M | $668.35M | -$57.70M | -$98.15M | -$251.08M |
| Share repurchases | $202.64M | $127.67M | $27.59M | $206.54M | $107.38M | $28.88M | $35.62M | $54.53M | $37.39M | $60.09M |
| Stock-based compensation | $70.63M | $41.28M | $24.55M | $29.75M | $27.24M | $29.60M | $36.76M | $20.36M | $13.68M | $43.61M |
| Depreciation and amortization | $96.95M | $110.96M | $122.37M | $127.33M | $133.39M | $140.32M | $122.57M | $97.35M | $102.22M | $103.45M |
| Line item | Dec 31, 2025 | Dec 31, 2024 | Dec 31, 2023 | Dec 31, 2022 | Dec 31, 2021 | Dec 31, 2020 | Dec 31, 2019 | Dec 31, 2018 | Dec 31, 2017 | Dec 31, 2016 |
|---|---|---|---|---|---|---|---|---|---|---|
| Revenue growth, YoY | 10.4% | 9.8% | 2.2% | 3.7% | 5.9% | 2.9% | 24.6% | -1.4% | 1.8% | -3.9% |
| Net income growth, YoY | 11.6% | 67.2% | -14.5% | 11.3% | 75.9% | 8.3% | -2.7% | 1242.2% | -96.0% | 51.6% |
| EPS growth, YoY | 13.1% | 70.5% | -9.7% | 14.8% | 74.2% | 8.8% | -3.4% | 1375.0% | -96.3% | 51.4% |
| Gross margin | 49.0% | 50.3% | 50.5% | 51.0% | 53.4% | 51.9% | 50.9% | 57.4% | 55.8% | 55.8% |
| Operating margin | 18.7% | 19.3% | 15.2% | 14.3% | 15.3% | 11.2% | 9.8% | 12.5% | 8.3% | 22.0% |
| Net margin | 12.9% | 12.7% | 8.4% | 10.0% | 9.3% | 5.6% | 5.3% | 6.8% | 0.5% | 12.9% |
| Free cash flow margin | 17.6% | 21.5% | 11.0% | 9.2% | 14.6% | 23.0% | 8.7% | 16.4% | 11.8% | 5.9% |
| Return on equity | 14.9% | 14.3% | 9.2% | 11.9% | 10.3% | 6.0% | 5.9% | 6.6% | 0.7% | 17.2% |
| Return on assets | 7.3% | 6.7% | 3.5% | 4.4% | 4.0% | 2.1% | 2.1% | 3.2% | 0.3% | 6.8% |
| Current ratio | 1.54 | 1.64 | 1.36 | 1.30 | 1.24 | 1.28 | 1.50 | 1.91 | 1.31 | 1.08 |
| Debt to equity | 0.54 | 0.65 | 0.78 | 0.91 | 0.86 | 0.96 | 1.22 | 0.64 | 0.90 | 0.99 |
| Line item | Sep 30, 2026 | Jun 30, 2026 | Mar 31, 2026 | Dec 31, 2025 | Sep 30, 2025 | Jun 30, 2025 | Mar 31, 2025 | Dec 31, 2024 | Sep 30, 2024 | Jun 30, 2024 | Mar 31, 2024 | Dec 31, 2023 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Revenue | $426.81M | $430.42M | $425.75M | $481.60M | $482.36M | $401.26M | $394.56M | $453.04M | $451.75M | $373.48M | $316.02M | $476.56M |
| Cost of revenue | $231.40M | $248.85M | $228.46M | $226.34M | $223.14M | $234.80M | $213.38M | $200.09M | $197.35M | $203.24M | $191.11M | $181.69M |
| Gross profit | $195.41M | $181.57M | $197.29M | $255.26M | $259.22M | $166.46M | $181.19M | $252.95M | $254.40M | $170.24M | $124.91M | $294.87M |
| Selling, general and admin | $41.68M | $34.48M | $40.22M | $43.37M | $34.10M | $37.65M | $27.59M | $33.44M | $33.95M | $24.99M | $26.00M | $24.52M |
| Operating income | $52.37M | $44.65M | $57.49M | $108.83M | $127.71M | $34.86M | $58.52M | $122.29M | $122.59M | $53.70M | $9.56M | $172.32M |
| Interest expense | $12.56M | $11.98M | $12.20M | $13.83M | $14.81M | $14.53M | $14.68M | $16.63M | $18.36M | $18.47M | $19.01M | $19.84M |
| Pre-tax income | $42.19M | $38.92M | $50.42M | $99.04M | $118.12M | $17.87M | $71.64M | $110.26M | $107.28M | $40.34M | -$7.47M | $154.12M |
| Income tax | $9.66M | $7.13M | $12.12M | $34.70M | $26.87M | $5.67M | $12.77M | $11.70M | $25.85M | $9.45M | $285.0K | $31.50M |
| Net income | $32.53M | $31.80M | $38.31M | $64.34M | $91.25M | $12.20M | $58.87M | $98.56M | $81.43M | $30.89M | -$7.75M | $122.62M |
| EPS, basic | $0.32 | $0.31 | $0.38 | $0.62 | $0.88 | $0.12 | $0.56 | $0.93 | $0.78 | $0.29 | -$0.07 | $1.13 |
| EPS, diluted | $0.32 | $0.31 | $0.37 | $0.61 | $0.88 | $0.12 | $0.55 | $0.92 | $0.77 | $0.29 | -$0.07 | $1.13 |
| Diluted shares | 101.3M | 101.7M | 102.8M | - | 103.9M | 105.1M | 106.8M | - | 106.0M | 106.2M | 106.8M | - |
| Line item | Sep 30, 2026 | Jun 30, 2026 | Mar 31, 2026 | Dec 31, 2025 | Sep 30, 2025 | Jun 30, 2025 | Mar 31, 2025 | Dec 31, 2024 | Sep 30, 2024 | Jun 30, 2024 | Mar 31, 2024 | Dec 31, 2023 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Cash and equivalents | $218.78M | $167.40M | $161.76M | $196.46M | $199.27M | $189.70M | $230.06M | $265.02M | $177.86M | $156.98M | $183.39M | $164.24M |
| Receivables | $428.31M | $459.25M | $456.83M | $445.87M | $460.53M | $398.16M | $386.08M | $414.40M | $424.52M | $369.17M | $345.13M | $452.34M |
| Current assets | $1.19B | $1.14B | $1.13B | $1.09B | $1.16B | $1.14B | $1.21B | $990.82M | $1.09B | $1.38B | $1.30B | $1.41B |
| Goodwill | $1.23B | $1.23B | $1.23B | $1.23B | $1.23B | $1.23B | $1.23B | $1.23B | $1.23B | $1.23B | $1.23B | $1.23B |
| Total assets | $3.12B | $3.10B | $3.10B | $3.10B | $3.16B | $3.14B | $3.20B | $3.03B | $3.09B | $3.36B | $3.30B | $3.44B |
| Current liabilities | $761.09M | $723.43M | $739.38M | $705.64M | $737.10M | $774.62M | $804.51M | $602.63M | $697.29M | $1.04B | $948.82M | $1.04B |
| Short-term debt | $40.99M | $40.97M | $40.96M | $40.94M | $40.92M | $40.91M | $34.95M | $34.93M | $34.91M | $34.89M | $34.88M | $74.41M |
| Long-term debt | $775.97M | $781.20M | $766.44M | $776.67M | $826.89M | $857.11M | $810.91M | $889.65M | $959.39M | $973.12M | $981.85M | $963.60M |
| Total debt | $816.96M | $822.18M | $807.39M | $817.61M | $867.82M | $898.02M | $845.85M | $924.58M | $994.30M | $1.01B | $1.02B | $1.04B |
| Total liabilities | $1.63B | $1.60B | $1.60B | $1.59B | $1.68B | $1.74B | $1.72B | $1.60B | $1.76B | $2.13B | $2.04B | $2.12B |
| Shareholders' equity | $1.49B | $1.50B | $1.50B | $1.52B | $1.48B | $1.39B | $1.48B | $1.42B | $1.33B | $1.24B | $1.26B | $1.32B |
| Line item | Sep 30, 2026 | Jun 30, 2026 | Mar 31, 2026 | Dec 31, 2025 | Sep 30, 2025 | Jun 30, 2025 | Mar 31, 2025 | Dec 31, 2024 | Sep 30, 2024 | Jun 30, 2024 | Mar 31, 2024 | Dec 31, 2023 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Operating cash flow | $119.08M | $70.79M | $64.25M | $121.78M | $73.04M | $49.80M | $78.22M | $126.48M | $54.01M | $55.02M | $123.24M | $85.74M |
| Capital expenditures | $2.74M | $6.85M | $3.00M | $5.18M | $3.40M | $2.16M | $2.17M | $6.94M | $3.51M | $1.75M | $3.21M | $968.0K |
| Free cash flow | $116.34M | $63.94M | $61.24M | $116.60M | $69.63M | $47.64M | $76.05M | $119.54M | $50.50M | $53.27M | $120.03M | $84.78M |
| Investing cash flow | -$8.89M | -$13.71M | -$14.51M | -$12.43M | -$9.90M | -$7.54M | $37.09M | -$13.41M | -$7.66M | -$6.19M | -$17.79M | -$7.25M |
| Financing cash flow | -$59.21M | -$72.03M | -$64.19M | -$101.40M | -$105.70M | -$114.19M | -$15.35M | -$117.75M | -$172.0K | -$61.78M | -$108.49M | -$63.78M |
| Share repurchases | $50.04M | $41.48M | $65.28M | $52.62M | $16.25M | $119.36M | $14.41M | $0 | $8.00M | $57.16M | $62.52M | $27.59M |
| Stock-based compensation | $18.40M | $18.70M | $16.96M | $25.21M | $17.40M | $16.40M | $11.63M | $11.12M | $11.35M | $10.72M | $8.10M | $7.01M |
| Depreciation and amortization | $21.66M | $23.94M | $25.26M | $24.72M | $24.14M | $24.10M | $23.98M | $24.25M | $31.52M | $27.59M | $27.61M | $28.93M |
| Line item | Sep 30, 2026 | Jun 30, 2026 | Mar 31, 2026 | Dec 31, 2025 | Sep 30, 2025 | Jun 30, 2025 | Mar 31, 2025 | Dec 31, 2024 | Sep 30, 2024 | Jun 30, 2024 | Mar 31, 2024 | Dec 31, 2023 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Revenue growth, YoY | -11.5% | 7.3% | 7.9% | 6.3% | 6.8% | 7.4% | 24.9% | -4.9% | 24.4% | 15.5% | 9.1% | 5.5% |
| Net income growth, YoY | -64.4% | 160.6% | -34.9% | -34.7% | 12.1% | -60.5% | - | -19.6% | 114.8% | - | - | 35.9% |
| EPS growth, YoY | -63.6% | 158.3% | -32.7% | -33.7% | 14.3% | -58.6% | - | -18.6% | 120.0% | - | - | 43.0% |
| Gross margin | 45.8% | 42.2% | 46.3% | 53.0% | 53.7% | 41.5% | 45.9% | 55.8% | 56.3% | 45.6% | 39.5% | 61.9% |
| Operating margin | 12.3% | 10.4% | 13.5% | 22.6% | 26.5% | 8.7% | 14.8% | 27.0% | 27.1% | 14.4% | 3.0% | 36.2% |
| Net margin | 7.6% | 7.4% | 9.0% | 13.4% | 18.9% | 3.0% | 14.9% | 21.8% | 18.0% | 8.3% | -2.5% | 25.7% |
| Free cash flow margin | 27.3% | 14.9% | 14.4% | 24.2% | 14.4% | 11.9% | 19.3% | 26.4% | 11.2% | 14.3% | 38.0% | 17.8% |
| Current ratio | 1.56 | 1.58 | 1.53 | 1.54 | 1.58 | 1.48 | 1.50 | 1.64 | 1.56 | 1.32 | 1.37 | 1.36 |
| Debt to equity | 0.55 | 0.55 | 0.54 | 0.54 | 0.59 | 0.64 | 0.57 | 0.65 | 0.75 | 0.82 | 0.81 | 0.78 |
Source: XBRL data ACI Worldwide Inc. files with the SEC, latest filing dated Nov 5, 2026 (see filings on SEC EDGAR). Provided for information only, not investment advice. Check the filing before relying on a number.
* Worked out from the filings rather than stated in them: Q4 is the full year less the first nine months.
Per-share figures and share counts are restated for stock splits the filings show: 3-for-1, first reported Jul 31, 2014.
EPS growth is left out where the share count moved enough to suggest a split the filings do not show. Growth rates need a positive starting figure. CAGR is compound annual growth between fiscal years. The CSV holds every period on file, in full figures, from the same SEC filings.
| Company | Revenue | Growth | Net income | Net margin | Market cap |
|---|---|---|---|---|---|
| ACIW | $1.76B | +1.9% | $166.97M | 9.5% | $6.06B |
| FISV | $20.80B | -1.7% | -$3.93B | -18.9% | $33.45B |
| GPN | $11.49B | +48.5% | -$1.29B | -11.2% | $25.77B |
| FIS | $12.94B | +23.6% | $3.46B | 26.8% | $14.81B |