ACI Worldwide, Inc.

ACI Worldwide, Inc.

ACIWยทNASDAQ

$41.56

+0.82%
TechnologySoftware - Infrastructure

ACI Worldwide, Inc., a software company, develops, markets, installs, and supports a range of software products and solutions for facilitating digital payments to banks, merchants, and billers worldwide. The company offers ACI Acquiring, a merchant management system to deliver digital innovation, improve fraud prevention, and reduce interchange fees; ACI Issuing, a digital payments issuing solution; and ACI Enterprise Payments Platform that provides payment processing and orchestration capabilities for digital payments. It also provides ACI Low Value Real-Time Payments, a platform for processing real-time payments; and ACI High Value Real-Time Payments, a payments engine that offers multi-bank, multi-currency, 24x7 payment processing, and SWIFT messaging. In addition, the company offers ACI Omni Commerce, a scalable, omni-channel payment processing platform; ACI Secure eCommerce solution; ACI Fraud Management, a real-time approach to fraud management; ACI Digital Business Banking, a cloud-based digital banking platform; and ACI Speedpay, an integrated suite of digital billing, payment, disbursement, and communication services. The company offers electronic bill presentment and payment services to consumer finance, insurance, healthcare, higher education, utility, government, and mortgage sectors; implementation services, including product installations and configurations, and custom software modifications; and business and technical consultancy, on-site support, product education, and testing services, as well as distributes or acts as a sales agent for software developed by third parties. It markets its products under the ACI Worldwide brand. The company was formerly known as Transaction Systems Architects, Inc. and changed its name to ACI Worldwide, Inc. in July 2007. The company was founded in 1975 and is based in Coral Gables, Florida.

At a Glance

Live Snapshot
Market Cap$4.23B
EPS2.1800
P/E Ratio19.06
Earnings Date08/06/2026
3Y+125.0%
5Y-4.0%
10Y+223.0%
3Y-88.0%
5Y-124.0%
10Y-94.0%
3Y+97.0%
5Y+29.0%
10Y+34.0%
ACIW

ACI Worldwide, Inc. Cash Conversion Engine

ACIW ยท NASDAQ
Net Income226.66M
Depreciation & Amortization22.53M
Stock-Based Compensation70.63M
Change in Working Capital-60.35M
Others62.41M
Capital Expenditures-12.91M
Free Cash Flow309.92M

Cash Flow Quality Analysis

FCF Conversion Rate

136.7%

Excellent cash generation. The company converts earnings to cash at or above 100%, indicating high-quality earnings.

CapEx Intensity

4.0%

Asset-light business model. Low capital requirements leave more cash available for shareholders and growth investments.

FCF Growth Trend

-9.7%

Declining FCF warrants attention. Investigate whether due to temporary factors or fundamental deterioration.

Working Capital Impact

-$60.35M

Minimal working capital impact on FCF. Changes in operating assets and liabilities well-managed.

Cash Flow Quality Insight

Asset-light with strong cash conversion: Low capital requirements combined with efficient cash generation creates significant shareholder value through dividends, buybacks, or strategic investments.

ACI Worldwide, Inc. Cash Flow Statement

ACIW โ€ข NASDAQ

ACI Worldwide, Inc. Cash Flow StatementDec 2025Dec 2024Dec 2023Dec 2022Dec 2021Dec 2020Dec 2019Dec 2018Dec 2017Dec 2016Dec 2015Dec 2014Dec 2013Dec 2012Dec 2011Dec 2010Dec 2009Dec 2008Sep 2007Sep 2006
OPERATING ACTIVITIES
226.7M
203.1M
121.5M
142.2M
127.8M
72.7M
67.1M
68.9M
5.1M
129.5M
85.4M
67.6M
63.9M
48.8M
45.9M
27.2M
19.6M
10.6M
-9.1M
55.4M
22.5M
120.7M
134M
138.4M
143.9M
163.8M
138.5M
97.4M
102.2M
103.5M
97.4M
86.7M
70M
50.8M
28.4M
26.3M
23.7M
22.1M
20.8M
8.4M
943K
-13.1M
-4.1M
1.6M
3.7M
3.3M
-22.1M
-5.7M
21.7M
17.7M
19.3M
8.4M
9.6M
4.8M
7.5M
9.4M
-6.6M
5.1M
-6.8M
-9.8M
70.6M
41.3M
24.5M
29.8M
27.2M
29.6M
36.8M
20.4M
13.7M
43.6M
18.4M
11M
13.6M
15.2M
11.3M
7.8M
7.6M
7.9M
7.6M
6.3M
62.4M
4.8M
6.2M
-30.9M
5.5M
10.8M
9.3M
6.6M
4.7M
-145.1M
-20.4M
-4.1M
-2.2M
-943K
-1.1M
3M
3.3M
7.2M
4.6M
2.5M
(0.0)
(47.9M)
(65.4M)
(43.6M)
(46.2M)
(27.8M)
(27.7M)
(32.2M)
(37.8M)
(19.1M)
(24M)
(23.1M)
(20.2M)
(28.9M)
(19M)
(24.9M)
(15.2M)
(9.9M)
(0.0)
(0.0)
-60.3M
2M
-113.7M
-137.7M
-87.7M
56.1M
-96.9M
-3.6M
-1.2M
-49.4M
-17.1M
-20.6M
-16.4M
-127.9M
-8.4M
7.6M
-3.5M
25M
7.8M
-2M
322.8M
358.7M
168.5M
143.4M
220.5M
336.3M
132.6M
183.9M
146.2M
99.8M
183.1M
149M
138.4M
-9.3M
83.5M
81.3M
44.2M
77.8M
24.8M
60.7M
INVESTING ACTIVITIES
-12.9M
-15.4M
-8.9M
-13.1M
-20.6M
-46.6M
-23.1M
-43.9M
-54.4M
-63.1M
-48.9M
-34.9M
-32.6M
-16.7M
-19M
-13.2M
-10.5M
-12M
-8.9M
-6M
-5.4M
(0.0)
(0.0)
(100.1M)
(0.0)
(0.0)
-757.3M
(0.0)
(0.0)
(232K)
-179.4M
-204.3M
-378.1M
-325.2M
-16.9M
(0.0)
-7M
-169K
-17.6M
-146.3M
(0.0)
(0.0)
(0.0)
(0.0)
(0.0)
(0.0)
(0.0)
(0.0)
(0.0)
(0.0)
-21.6M
(0.0)
(0.0)
(0.0)
-10M
(0.0)
(0.0)
(0.0)
-2.5M
-50.9M
20.1M
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
35.3M
0.0
0.0
0.0
-8.3M
0.0
0.0
0.0
2.5M
123.8M
5.5M
-29.6M
-28.9M
-26.8M
-24.8M
15.9M
-50.1M
-1.5M
-28.7M
192.5M
14.6M
-1.5M
-11.5M
-1M
6.5M
-6.2M
-5.8M
-4.8M
506K
-2.1M
(7.2M)
-45.1M
-37.8M
(60.2M)
-45.4M
-30.7M
-830.5M
-45.4M
-54.4M
(129.6M)
-200M
-240.7M
-410.7M
-342.9M
-47.7M
-19.3M
-23.4M
-17M
-26M
-79.4M
FINANCING ACTIVITIES
-191.3M
-124.8M
-24.8M
-203M
-103.9M
-25.1M
-32M
-51.4M
-34.4M
-57.1M
3.1M
-67.2M
-78.7M
-56.4M
1.3M
-17.5M
-14.4M
-28.4M
-46.7M
-26.7M
-131.1M
-126.1M
-73M
7.4M
-109.1M
-236.8M
703.1M
-23.4M
-72.3M
-200.3M
34M
128.2M
367.1M
292.1M
-15.6M
-1.6M
-1.6M
-3.3M
-3.4M
71.3M
-202.6M
-127.7M
-27.6M
-206.5M
-107.4M
-28.9M
-35.6M
-54.5M
-37.4M
-60.1M
-4.6M
-70M
-80.9M
-57.8M
(0.0)
-18.6M
-15.6M
-30.1M
-46.7M
-39.7M
-14.3M
-37.4M
-13.8M
24.5M
-43.8M
356K
-2.7M
17.1M
8.6M
6.4M
7.5M
17.1M
3.3M
-1.8M
5.6M
1.5M
1.9M
4M
31K
542K
-336.6M
-288.2M
-111.6M
-171.1M
-256.9M
-261.6M
668.4M
-57.7M
-98.1M
-251.1M
49.6M
78.1M
291.6M
233.9M
-8.7M
-17.6M
-14.1M
-27.7M
-50M
45.2M
CASH FLOW SUMMARY
572K
697K
5M
-2M
533K
-57K
-1.5M
-2.1M
322K
-4.9M
-7.7M
-4.2M
-614K
-2.5M
-1.3M
1M
6.2M
-17.2M
1.8M
35K
-6M
26.2M
24.1M
30.5M
-81.2M
44M
-31M
78.8M
-6M
-26.5M
24.9M
-17.8M
18.7M
-120.8M
25.8M
45.4M
13M
16M
-49.4M
26.5M
265M
238.8M
214.7M
184.1M
265.4M
121.4M
172.2M
69.7M
75.8M
102.2M
77.3M
95.1M
76.3M
197.1M
171.3M
125.9M
113M
97M
110.1M
83.7M
259M
265M
238.8M
214.7M
184.1M
165.4M
141.1M
148.5M
69.7M
75.8M
102.2M
77.3M
95.1M
76.3M
197.1M
171.3M
125.9M
113M
60.8M
110.1M
309.9M
343.3M
130.7M
103.5M
175.1M
289.7M
84.6M
140M
91.8M
36.8M
134.2M
114.1M
105.8M
-25.9M
64.5M
68.1M
33.7M
65.9M
16M
54.7M

SEC Filings

ACIW - Filing history and reports

Filing TypeFiling DatePeriod EndingFiscal YearActions
8-K

8-K 2026

N/A

June 02, 2026
June 02, 2026
2026
10-Q

10-Q 2026 Q1

Q1

May 07, 2026
March 31, 2026
2026
8-K

8-K 2026

N/A

May 07, 2026
May 07, 2026
2026
DEF 14A

DEF 14A 2026

N/A

April 20, 2026
June 02, 2026
2026
10-K

10-K 2025 FY

FY

February 26, 2026
December 31, 2025
2025
8-K

8-K 2026

N/A

February 26, 2026
February 23, 2026
2026
8-K

8-K 2026

N/A

January 14, 2026
January 13, 2026
2026
8-K

8-K 2025

N/A

November 06, 2025
November 06, 2025
2025
10-Q

10-Q 2025 Q3

Q3

November 06, 2025
September 30, 2025
2025
8-K

8-K 2025

N/A

October 01, 2025
September 25, 2025
2025
Showing 1 to 10 of 508 filings