$41.56
+0.82%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.
Excellent cash generation. The company converts earnings to cash at or above 100%, indicating high-quality earnings.
Asset-light business model. Low capital requirements leave more cash available for shareholders and growth investments.
Declining FCF warrants attention. Investigate whether due to temporary factors or fundamental deterioration.
Minimal working capital impact on FCF. Changes in operating assets and liabilities well-managed.
Asset-light with strong cash conversion: Low capital requirements combined with efficient cash generation creates significant shareholder value through dividends, buybacks, or strategic investments.
ACIW โข NASDAQ
| ACI Worldwide, Inc. Cash Flow Statement | Dec 2025 | Dec 2024 | Dec 2023 | Dec 2022 | Dec 2021 | Dec 2020 | Dec 2019 | Dec 2018 | Dec 2017 | Dec 2016 | Dec 2015 | Dec 2014 | Dec 2013 | Dec 2012 | Dec 2011 | Dec 2010 | Dec 2009 | Dec 2008 | Sep 2007 | Sep 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 |
ACIW - Filing history and reports
| Filing Type | Filing Date | Period Ending | Fiscal Year | Actions |
|---|---|---|---|---|
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 |
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