Cash flow ACI Worldwide, Inc.

Equities

ACIW

US0044981019

Financial Technology (Fintech)

Real-time Estimate Cboe BZX Other stock markets 15:37:19 08/05/2026 BST			5-day change	1st Jan Change
45.59 ^USD	-2.27%		+3.40%	-5.15%

05-07	ACI Worldwide, Inc. Reports Earnings Results for the First Quarter Ended March 31, 2026	CI
05-07	ACI Worldwide Q1 Adjusted Earnings, Revenue Rise; Q2 Revenue Outlook Set, 2026 Revenue Outlook Raised	MT

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Published financial data: ACI WORLDWIDE, INC.

Annual

Quarterly

Halfyear

YTD

LTM

Fiscal Period: December	2021	2022	2023	2024	2025
Revenues	1.37B	1.42B	1.45B	1.59B	1.76B
Total Revenues	1.37B	1.42B	1.45B	1.59B	1.76B
Cost of Goods Sold, Total	639M	696M	719M	792M	898M
Gross Profit	732M	726M	733M	803M	862M
Selling General & Admin Expenses, Total	239M	237M	222M	231M	259M
R&D Expenses	142M	146M	141M	147M	168M
Depreciation & Amortization - (IS)	127M	127M	122M	107M	96.9M
Other Operating Expenses, Total	508M	510M	485M	485M	523M
Operating Income	223M	216M	249M	318M	339M
Interest Expense, Total	-45.06M	-53.19M	-78.49M	-72.47M	-57.85M
Interest And Investment Income	11.52M	12.55M	14.22M	15.93M	14.87M
Net Interest Expenses	-33.54M	-40.65M	-64.27M	-56.54M	-42.97M
Currency Exchange Gains (Loss)	-1.29M	4.99M	-8.51M	-1.18M	-5.1M
EBT, Excl. Unusual Items	188M	181M	176M	260M	291M
Restructuring Charges	-	-	-21M	-8.7M	-7.7M
Merger & Related Restructuring Charges	-	-	-	-	-
Gain (Loss) On Sale Of Investments	-	-	-	-	25.93M
Gain (Loss) On Sale Of Assets	-	38.45M	-	-	-
Legal Settlements	-	-	-	-	-
Other Unusual Items	-13.4M	-12.4M	-7.2M	-1M	-2.29M
EBT, Incl. Unusual Items	175M	207M	148M	250M	307M
Income Tax Expense	47.27M	64.46M	26.12M	47.29M	80.01M
Earnings From Continuing Operations	128M	142M	122M	203M	227M
Net Income to Company	128M	142M	122M	203M	227M
Net Income - (IS)	128M	142M	122M	203M	227M
Net Income to Common Incl Extra Items	128M	142M	122M	203M	227M
Net Income to Common Excl. Extra Items	128M	142M	122M	203M	227M
Per Share Items
Net EPS - Basic	1.09	1.25	1.12	1.93	2.18
Basic EPS - Continuing Operations	1.09	1.25	1.12	1.93	2.18
Basic Weighted Average Shares Outstanding	117M	114M	108M	105M	104M
Net EPS - Diluted	1.08	1.24	1.12	1.91	2.16
Diluted EPS - Continuing Operations	1.08	1.24	1.12	1.91	2.16
Diluted Weighted Average Shares Outstanding	119M	114M	109M	106M	105M
Normalized Basic EPS	1	0.99	1.01	1.54	1.75
Normalized Diluted EPS	0.99	0.99	1.01	1.53	1.73
Supplemental Items
EBITDA	281M	275M	306M	361M	373M
EBITA	260M	252M	282M	347M	360M
EBIT	223M	216M	249M	318M	339M
EBITDAR	297M	290M	322M	373M	383M
Total Revenues (As Reported)	1.37B	1.42B	1.45B	1.59B	1.76B
Effective Tax Rate - (Ratio)	27	31.19	17.69	18.89	26.09
Current Domestic Taxes	11.59M	15.06M	-5.82M	13.13M	2.35M
Current Foreign Taxes	31.96M	47.8M	36.02M	47.29M	76.72M
Total Current Taxes	43.54M	62.86M	30.2M	60.42M	79.07M
Deferred Domestic Taxes	4.57M	-3.85M	-5.51M	-15.31M	401K
Deferred Foreign Taxes	-836K	5.46M	1.42M	2.18M	542K
Total Deferred Taxes	3.73M	1.6M	-4.08M	-13.13M	943K
Normalized Net Income	118M	113M	110M	163M	182M
Supplemental Operating Expense Items
Selling and Marketing Expenses	127M	135M	133M	118M	125M
General and Administrative Expenses	113M	102M	88.99M	113M	134M
Research And Development Expense From Footnotes	144M	146M	141M	147M	168M
Net Rental Expense, Total	15.51M	15.28M	15.74M	11.96M	10.59M
Imputed Operating Lease Interest Expense	4.73M	5.67M	8.78M	6.72M	5.34M
Imputed Operating Lease Depreciation	10.78M	9.61M	6.96M	5.24M	5.25M
Stock-Based Comp., Other (Total)	27.24M	29.75M	24.55M	41.28M	70.63M
Total Stock-Based Compensation	27.24M	29.75M	24.55M	41.28M	70.63M

Fiscal Period: December	2021	2022	2023	2024	2025
Assets
Cash And Equivalents	122M	125M	164M	216M	196M
Total Cash And Short Term Investments	122M	125M	164M	216M	196M
Accounts Receivable, Total	320M	404M	452M	414M	446M
Other Receivables	-	-	-	-	-
Total Receivables	320M	404M	452M	414M	446M
Prepaid Expenses	24.7M	28.01M	31.48M	29.22M	29.88M
Other Current Assets, Total	470M	558M	759M	331M	417M
Total Current Assets	937M	1.11B	1.41B	991M	1.09B
Gross Property Plant And Equipment	236M	233M	210M	198M	190M
Accumulated Depreciation	-125M	-141M	-138M	-134M	-123M
Net Property Plant And Equipment	111M	92.53M	72.19M	63.93M	66.1M
Long-term Investments	19.3M	17.9M	18.5M	18.6M	-
Goodwill	1.28B	1.23B	1.23B	1.23B	1.23B
Other Intangibles, Total	441M	358M	304M	258M	225M
Accounts Receivable Long-Term	276M	298M	314M	360M	392M
Deferred Tax Assets Long-Term	50.78M	53.74M	58.5M	72.71M	73.12M
Deferred Charges Long-Term	21.1M	24.2M	23.6M	19.3M	16.8M
Other Long-Term Assets, Total	22.08M	25.07M	21.23M	15.55M	12.34M
Total Assets	3.16B	3.21B	3.44B	3.03B	3.1B
Liabilities
Accounts Payable, Total	41.31M	48M	45.96M	45.42M	64.93M
Accrued Expenses, Total	64.26M	58.08M	68.26M	64.38M	67.38M
Short-term Borrowings	12.52M	13.52M	12.7M	14.46M	11.87M
Current Portion of Long-Term Debt	48.77M	71.32M	78M	34.93M	40.94M
Current Portion of Leases	11.52M	11.22M	9.35M	9.26M	8.86M
Current Income Taxes Payable	-	-	-	-	5.26M
Unearned Revenue Current, Total	84.42M	58.3M	59.58M	75.42M	73.64M
Other Current Liabilities	491M	598M	763M	359M	433M
Total Current Liabilities	754M	859M	1.04B	603M	706M
Long-Term Debt	1.02B	1.03B	964M	890M	781M
Long-Term Leases	43.35M	33.91M	29.07M	22.59M	22.61M
Unearned Revenue Non Current	25.92M	23.23M	24.78M	19.3M	13.62M
Deferred Tax Liability Non Current	36.12M	40.37M	40.74M	39.92M	38.51M
Other Non Current Liabilities	34.54M	32.5M	25M	26.87M	24.08M
Total Liabilities	1.91B	2.02B	2.12B	1.6B	1.59B
Common Stock, Total	702K	702K	702K	702K	702K
Additional Paid In Capital	688M	702M	713M	732M	762M
Retained Earnings	1.13B	1.27B	1.39B	1.6B	1.82B
Treasury Stock	-476M	-666M	-675M	-785M	-965M
Comprehensive Income and Other	-99.55M	-118M	-109M	-121M	-103M
Total Common Equity	1.24B	1.19B	1.32B	1.42B	1.52B
Total Equity	1.24B	1.19B	1.32B	1.42B	1.52B
Total Liabilities And Equity	3.16B	3.21B	3.44B	3.03B	3.1B
Supplemental Items
ECS Total Shares Outstanding on Filing Date	115M	108M	106M	105M	102M
ECS Total Common Shares Outstanding	116M	108M	108M	105M	103M
Book Value / Share	10.76	11.04	12.25	13.53	14.79
Tangible Book Value	-476M	-391M	-206M	-59.97M	63.36M
Tangible Book Value Per Share	-4.12	-3.61	-1.9	-0.57	0.62
Total Debt	1.14B	1.16B	1.09B	971M	866M
Net Debt	1.01B	1.03B	928M	755M	669M
Debt Equivalent Oper. Leases	124M	122M	126M	95.68M	84.74M
Equity Method Investments, Total	19.3M	17.9M	18.5M	18.6M	-
Account Code - Inventory Valuation	3	3	3	3	3
Land - (BS)	1.78M	1.78M	1.18M	1.18M	1.18M
Buildings, Total	14.85M	15.06M	14.49M	15.98M	16.01M
Machinery, Total	137M	142M	128M	125M	122M
Full Time Employees	3.61K	3.35K	3.21K	3.1K	2.93K
Accumulated Allowance for Doubtful Accounts (Supple)	2.86M	3.78M	4.3M	1.76M	1.27M
Order Backlog	6.11B	6.3B	6.52B	6.71B	7.26B

Fiscal Period: December	2021	2022	2023	2024	2025
Net Income	128M	142M	122M	203M	227M
Depreciation & Amortization - CF	31.42M	34.22M	35.36M	23.47M	22.53M
Amortization of Goodwill and Intangible Assets - (CF)	36.99M	35.45M	33.83M	29.5M	21.11M
Depreciation & Amortization, Total	68.41M	69.66M	69.19M	52.97M	43.65M
Amortization of Deferred Charges, Total - (CF)	80.18M	73.26M	69.12M	66.21M	65.11M
(Gain) Loss From Sale Of Asset	-	-38.45M	-	-	-
(Gain) Loss on Sale of Investments - (CF)	-	-	-	-	-25.93M
Asset Writedown & Restructuring Costs	-	-	-	4.4M	-
Stock-Based Compensation (CF)	27.24M	29.75M	24.55M	41.28M	70.63M
Other Operating Activities, Total	4.59M	4.63M	-2.16M	-11.21M	3.06M
Change In Accounts Receivable	-43.83M	-132M	-63M	-23.58M	-46.16M
Change In Accounts Payable	1.41M	7.73M	-3.78M	-268K	11.32M
Change in Unearned Revenues	-17.33M	-2.98M	2.7M	11.89M	-10.34M
Change In Income Taxes	-	-	-	-	-
Change in Other Net Operating Assets	-27.99M	-10.21M	-49.62M	13.94M	-15.16M
Cash from Operations	220M	143M	169M	359M	323M
Capital Expenditure	-20.58M	-13.1M	-8.92M	-15.4M	-12.91M
Cash Acquisitions	-	-	-	-	-
Divestitures	-	100M	-	-	-
Sale (Purchase) of Intangible assets	-24.79M	-26.79M	-28.85M	-29.65M	-20.44M
Investment in Marketable and Equity Securities, Total	-	-	-	-	46.02M
Other Investing Activities, Total	-	-	-	-	-5.45M
Cash from Investing	-45.37M	60.25M	-37.78M	-45.05M	7.22M
Long-Term Debt Issued, Total	35M	180M	134M	684M	490M
Total Debt Issued	35M	180M	134M	684M	490M
Long-Term Debt Repaid, Total	-144M	-173M	-205M	-810M	-621M
Total Debt Repaid	-144M	-173M	-205M	-810M	-621M
Issuance of Common Stock	12.3M	8.16M	9.54M	9.25M	11.32M
Repurchase of Common Stock	-122M	-214M	-32.74M	-141M	-231M
Other Financing Activities, Total	-37.83M	26.85M	-17.56M	-30.61M	13.85M
Cash from Financing	-257M	-171M	-112M	-288M	-337M
Foreign Exchange Rate Adjustments	533K	-2.04M	4.96M	697K	572K
Net Change in Cash	-81.24M	30.53M	24.15M	26.2M	-6.02M
Supplemental Items
Cash Interest Paid	40.07M	48.53M	73.54M	70.2M	64.02M
Cash Income Tax Paid (Refund)	46.17M	43.55M	65.44M	47.91M	90.05M
Levered Free Cash Flow	258M	142M	153M	344M	303M
Unlevered Free Cash Flow	281M	170M	198M	386M	337M
Change In Net Working Capital	-16.11M	93.02M	78.17M	-74.76M	18.22M
Net Debt Issued / Repaid	-109M	7.45M	-70.8M	-126M	-131M

Fiscal Period: December	2021	2022	2023	2024	2025
Profitability
Return on Assets	4.26	4.24	4.67	6.14	6.91
Return on Total Capital	5.8	5.71	6.52	8.26	8.86
Return On Equity %	10.43	11.66	9.65	14.78	15.4
Return on Common Equity	10.43	11.66	9.65	14.78	15.4
Margin Analysis
Gross Profit Margin %	53.39	51.05	50.49	50.34	48.99
SG&A Margin	17.46	16.64	15.26	14.52	14.71
EBITDA Margin %	20.52	19.33	21.08	22.65	21.18
EBITA Margin %	18.99	17.7	19.44	21.79	20.45
EBIT Margin %	16.29	15.21	17.11	19.94	19.25
Income From Continuing Operations Margin %	9.32	10	8.36	12.74	12.88
Net Income Margin %	9.32	10	8.36	12.74	12.88
Net Avail. For Common Margin %	9.32	10	8.36	12.74	12.88
Normalized Net Income Margin	8.59	7.94	7.57	10.2	10.33
Levered Free Cash Flow Margin	18.82	9.96	10.55	21.55	17.24
Unlevered Free Cash Flow Margin	20.54	11.98	13.63	24.21	19.18
Asset Turnover
Asset Turnover	0.42	0.45	0.44	0.49	0.57
Fixed Assets Turnover	12.64	13.98	17.64	23.42	27.07
Receivables Turnover (Average Receivables)	4.13	3.93	3.39	3.68	4.09
Short Term Liquidity
Current Ratio	1.24	1.3	1.36	1.64	1.54
Quick Ratio	0.59	0.62	0.59	1.05	0.91
Operating Cash Flow to Current Liabilities	0.29	0.17	0.16	0.6	0.46
Days Sales Outstanding (Average Receivables)	88.32	92.95	107.56	99.49	89.21
Average Days Payable Outstanding	23.58	23.42	23.84	21.12	22.44
Long Term Solvency
Total Debt/Equity	91.26	97.04	82.51	68.17	56.98
Total Debt / Total Capital	47.72	49.25	45.21	40.53	36.3
LT Debt/Equity	85.41	88.99	74.96	64.05	52.93
Long-Term Debt / Total Capital	44.66	45.16	41.07	38.09	33.71
Total Liabilities / Total Assets	60.59	62.83	61.56	52.92	51.07
EBIT / Interest Expense	4.96	4.07	3.17	4.39	5.86
EBITDA / Interest Expense	6.58	5.45	4.1	5.15	6.63
(EBITDA - Capex) / Interest Expense	6.13	5.21	3.99	4.94	6.4
Total Debt / EBITDA	3.83	3.99	3.39	2.6	2.26
Net Debt / EBITDA	3.42	3.56	2.88	2.02	1.75
Total Debt / (EBITDA - Capex)	4.11	4.18	3.49	2.71	2.34
Net Debt / (EBITDA - Capex)	3.67	3.73	2.97	2.11	1.81
Growth Over Prior Year
Total Revenues, 1 Yr. Growth %	5.89	3.74	2.16	9.76	10.38
Gross Profit, 1 Yr. Growth %	8.22	-0.81	1.04	9.43	7.43
EBITDA, 1 Yr. Growth %	11.96	-2.25	11.39	17.94	3.23
EBITA, 1 Yr. Growth %	14.95	-3.31	12.22	22.98	3.62
EBIT, 1 Yr. Growth %	17.93	-3.16	14.97	27.85	6.6
Earnings From Cont. Operations, 1 Yr. Growth %	75.88	11.26	-14.54	67.16	11.59
Net Income, 1 Yr. Growth %	75.88	11.26	-14.54	67.16	11.59
Normalized Net Income, 1 Yr. Growth %	31.59	-4.18	-2.63	47.93	11.77
Diluted EPS Before Extra, 1 Yr. Growth %	74.19	14.81	-9.68	70.55	13.09
Accounts Receivable, 1 Yr. Growth %	-6.55	26.02	12.03	-8.39	7.59
Net Property, Plant and Equip., 1 Yr. Growth %	4.62	-16.55	-21.98	-11.44	3.38
Total Assets, 1 Yr. Growth %	-6.74	1.62	7.32	-12.18	2.63
Tangible Book Value, 1 Yr. Growth %	-19.56	-17.97	-47.32	-70.86	-205.66
Common Equity, 1 Yr. Growth %	3.16	-4.14	10.99	7.55	6.65
Cash From Operations, 1 Yr. Growth %	-29.99	-34.97	17.53	112.89	-10.01
Capital Expenditures, 1 Yr. Growth %	15.6	-36.34	-31.89	72.59	-16.2
Levered Free Cash Flow, 1 Yr. Growth %	-23.28	-45.08	8.17	124.16	-11.67
Unlevered Free Cash Flow, 1 Yr. Growth %	-23.27	-39.47	16.22	94.92	-12.55
Compound Annual Growth Rate Over Two Years
Total Revenues, 2 Yr. CAGR %	4.37	4.81	2.95	5.89	10.07
Gross Profit, 2 Yr. CAGR %	6.86	3.94	0.11	5.15	8.42
EBITDA, 2 Yr. CAGR %	25.08	15.35	6.93	17.29	15.8
EBITA, 2 Yr. CAGR %	29.32	17.65	6.96	20.48	18.98
EBIT, 2 Yr. CAGR %	34.33	22.23	8.83	24.87	23.98
Earnings From Cont. Operations, 2 Yr. CAGR %	38.04	39.88	-2.49	19.53	36.58
Net Income, 2 Yr. CAGR %	38.04	39.88	-2.49	19.53	36.58
Normalized Net Income, 2 Yr. CAGR %	61.55	35.31	0.22	24.36	40.34
Diluted EPS Before Extra, 2 Yr. CAGR %	37.65	41.42	1.83	24.11	38.88
Accounts Receivable, 2 Yr. CAGR %	-5.55	8.52	18.82	1.31	-0.72
Net Property, Plant and Equip., 2 Yr. CAGR %	-6.84	-6.56	-19.31	-16.88	-4.32
Total Assets, 2 Yr. CAGR %	-1.53	-2.65	4.43	-2.92	-5.06
Tangible Book Value, 2 Yr. CAGR %	-19.89	-18.77	-34.26	-60.82	-44.51
Common Equity, 2 Yr. CAGR %	4.96	-0.56	3.14	9.26	7.1
Cash From Operations, 2 Yr. CAGR %	28.94	-32.52	-12.57	58.18	38.41
Capital Expenditures, 2 Yr. CAGR %	-5.61	-14.21	-34.15	8.42	20.26
Levered Free Cash Flow, 2 Yr. CAGR %	103.18	-32.22	-21.64	60.16	49.58
Unlevered Free Cash Flow, 2 Yr. CAGR %	69.14	-29.11	-14.85	54.05	36.79
Compound Annual Growth Rate Over Three Years
Total Revenues, 3 Yr. CAGR %	10.72	4.16	3.92	5.17	7.37
Gross Profit, 3 Yr. CAGR %	8.09	4.24	2.96	3.13	5.9
EBITDA, 3 Yr. CAGR %	18.55	15.21	14.02	10.48	12.41
EBITA, 3 Yr. CAGR %	21.55	17.38	15.81	12.05	14.58
EBIT, 3 Yr. CAGR %	21.04	20.44	19.76	14.83	18.46
Earnings From Cont. Operations, 3 Yr. CAGR %	22.85	28.46	18.7	16.7	16.82
Net Income, 3 Yr. CAGR %	22.85	28.46	18.7	16.7	16.82
Normalized Net Income, 3 Yr. CAGR %	27.1	35.74	21.25	14.11	20.02
Diluted EPS Before Extra, 3 Yr. CAGR %	22.33	29.57	21.79	20.93	20.32
Accounts Receivable, 3 Yr. CAGR %	-2.73	3.98	9.67	8.95	3.36
Net Property, Plant and Equip., 3 Yr. CAGR %	15.09	-10.2	-12.01	-16.77	-10.61
Total Assets, 3 Yr. CAGR %	14.17	-0.49	0.57	-1.43	-1.1
Tangible Book Value, 3 Yr. CAGR %	41.86	-19.25	-29.69	-49.88	-45.46
Common Equity, 3 Yr. CAGR %	5.9	1.83	3.15	4.59	8.38
Cash From Operations, 3 Yr. CAGR %	6.23	2.64	-18.81	17.62	31.07
Capital Expenditures, 3 Yr. CAGR %	4.06	-17.22	-20.56	-9.21	-0.5
Levered Free Cash Flow, 3 Yr. CAGR %	93.7	31.37	-20.79	11.23	31.34
Unlevered Free Cash Flow, 3 Yr. CAGR %	70.47	20.08	-16.41	12.22	27.56
Compound Annual Growth Rate Over Five Years
Total Revenues, 5 Yr. CAGR %	6.39	6.78	7.54	4.85	6.34
Gross Profit, 5 Yr. CAGR %	5.47	4.88	4.82	4.6	5.11
EBITDA, 5 Yr. CAGR %	18.86	9.08	12.65	14.97	12.53
EBITA, 5 Yr. CAGR %	22.09	10.45	14.27	17.42	14.63
EBIT, 5 Yr. CAGR %	24.49	10.09	14.58	20.76	18.54
Earnings From Cont. Operations, 5 Yr. CAGR %	-0.27	94.29	12.01	24.81	25.55
Net Income, 5 Yr. CAGR %	-0.27	94.29	12.01	24.81	25.55
Normalized Net Income, 5 Yr. CAGR %	36.95	14.27	13.88	29.21	24.14
Diluted EPS Before Extra, 5 Yr. CAGR %	-0.18	98.73	13.68	27.36	28.35
Accounts Receivable, 5 Yr. CAGR %	3.62	8.97	5.37	2.9	5.39
Net Property, Plant and Equip., 5 Yr. CAGR %	7.03	2.89	-0.15	-12.93	-9.01
Total Assets, 5 Yr. CAGR %	10.67	11.51	10.17	-1.47	-1.72
Tangible Book Value, 5 Yr. CAGR %	-2.62	-4.5	4.29	-39.54	-36.04
Common Equity, 5 Yr. CAGR %	10.52	9.31	4.79	4.74	4.71
Cash From Operations, 5 Yr. CAGR %	17.17	-0.39	-1.74	22.02	0.5
Capital Expenditures, 5 Yr. CAGR %	-12.8	-12.62	-13.35	-7.79	-6.23
Levered Free Cash Flow, 5 Yr. CAGR %	35.47	1.67	33.98	40.61	-0.32
Unlevered Free Cash Flow, 5 Yr. CAGR %	29.91	2.51	28.36	31.44	-0.09