Cash flow ACI Worldwide, Inc.

Equities

ACIW

US0044981019

Financial Technology (Fintech)

Market Closed - Nasdaq Other stock markets 21:00:00 16/01/2026 GMT			5-day change	1st Jan Change
42.99 ^USD	-1.15%		-8.08%	-10.08%

01-14	ACI Worldwide, Inc. Announces Executive Changes	CI
01-06	Blend Labs, Inc. Appoints Matt Thomson Joins Blend as Head of Revenue	CI

55d1a0292ad9.C7-lDxE15IwyjfZWoTT9kkp29VNYcHXhsj-UB8CasJQ.bMfmayIA3eN39IIaynyTwQA6whQ5CEGo0Q7GV4Gq0f0z2eN6ZRjS2VDegQ

Published financial data: ACI WORLDWIDE, INC.

Annual

Quarterly

Halfyear

YTD

LTM

Fiscal Period: December	2020	2021	2022	2023	2024
Revenues	1.29B	1.37B	1.42B	1.45B	1.59B
Total Revenues	1.29B	1.37B	1.42B	1.45B	1.59B
Cost of Goods Sold, Total	618M	639M	696M	719M	792M
Gross Profit	676M	732M	726M	733M	803M
Selling General & Admin Expenses, Total	217M	239M	237M	222M	231M
R&D Expenses	138M	142M	146M	141M	147M
Depreciation & Amortization - (IS)	132M	127M	127M	122M	107M
Other Operating Expenses, Total	487M	508M	510M	485M	485M
Operating Income	189M	223M	216M	249M	318M
Interest Expense, Total	-56.63M	-45.06M	-53.19M	-78.49M	-72.47M
Interest And Investment Income	11.63M	11.52M	12.55M	14.22M	15.93M
Net Interest Expenses	-45M	-33.54M	-40.65M	-64.27M	-56.54M
Currency Exchange Gains (Loss)	-1.12M	-1.29M	4.99M	-8.51M	-1.18M
EBT, Excl. Unusual Items	143M	188M	181M	176M	260M
Restructuring Charges	-44.6M	-	-	-21M	-8.7M
Merger & Related Restructuring Charges	-	-	-	-	-
Gain (Loss) On Sale Of Investments	-	-	-	-	-
Gain (Loss) On Sale Of Assets	-	-	38.45M	-	-
Legal Settlements	-	-	-	-	-
Other Unusual Items	-	-13.4M	-12.4M	-7.2M	-1M
EBT, Incl. Unusual Items	98.63M	175M	207M	148M	250M
Income Tax Expense	25.97M	47.27M	64.46M	26.12M	47.29M
Earnings From Continuing Operations	72.66M	128M	142M	122M	203M
Net Income to Company	72.66M	128M	142M	122M	203M
Net Income - (IS)	72.66M	128M	142M	122M	203M
Net Income to Common Incl Extra Items	72.66M	128M	142M	122M	203M
Net Income to Common Excl. Extra Items	72.66M	128M	142M	122M	203M
Per Share Items
Net EPS - Basic	0.62	1.09	1.25	1.12	1.93
Basic EPS - Continuing Operations	0.62	1.09	1.25	1.12	1.93
Basic Weighted Average Shares Outstanding	116M	117M	114M	108M	105M
Net EPS - Diluted	0.62	1.08	1.24	1.12	1.91
Diluted EPS - Continuing Operations	0.62	1.08	1.24	1.12	1.91
Diluted Weighted Average Shares Outstanding	118M	119M	114M	109M	106M
Normalized Basic EPS	0.77	1	0.99	1.01	1.54
Normalized Diluted EPS	0.76	0.99	0.99	1.01	1.53
Supplemental Items
EBITDA	251M	281M	275M	306M	361M
EBITA	226M	260M	252M	282M	347M
EBIT	189M	223M	216M	249M	318M
EBITDAR	280M	297M	290M	322M	373M
Total Revenues (As Reported)	1.29B	1.37B	1.42B	1.45B	1.59B
Effective Tax Rate - (Ratio)	26.33	27	31.19	17.69	18.89
Current Domestic Taxes	-169K	11.59M	15.06M	-5.82M	13.13M
Current Foreign Taxes	22.79M	31.96M	47.8M	36.02M	47.29M
Total Current Taxes	22.62M	43.54M	62.86M	30.2M	60.42M
Deferred Domestic Taxes	-5.24M	4.57M	-3.85M	-5.51M	-15.31M
Deferred Foreign Taxes	8.58M	-836K	5.46M	1.42M	2.18M
Total Deferred Taxes	3.35M	3.73M	1.6M	-4.08M	-13.13M
Normalized Net Income	89.52M	118M	113M	110M	163M
Supplemental Operating Expense Items
Selling and Marketing Expenses	104M	127M	135M	133M	118M
General and Administrative Expenses	113M	113M	102M	88.99M	113M
Research And Development Expense From Footnotes	139M	144M	146M	141M	147M
Net Rental Expense, Total	28.6M	15.51M	15.28M	15.74M	11.96M
Imputed Operating Lease Interest Expense	9.64M	4.73M	5.67M	8.78M	6.72M
Imputed Operating Lease Depreciation	18.96M	10.78M	9.61M	6.96M	5.24M
Stock-Based Comp., Other (Total)	29.6M	27.24M	29.75M	24.55M	41.28M
Total Stock-Based Compensation	29.6M	27.24M	29.75M	24.55M	41.28M

Fiscal Period: December	2020	2021	2022	2023	2024
Assets
Cash And Equivalents	165M	122M	125M	164M	216M
Total Cash And Short Term Investments	165M	122M	125M	164M	216M
Accounts Receivable, Total	343M	320M	404M	452M	414M
Other Receivables	-	-	-	-	-
Total Receivables	343M	320M	404M	452M	414M
Prepaid Expenses	24.29M	24.7M	28.01M	31.48M	29.22M
Other Current Assets, Total	622M	470M	558M	759M	331M
Total Current Assets	1.15B	937M	1.11B	1.41B	991M
Gross Property Plant And Equipment	229M	236M	233M	210M	198M
Accumulated Depreciation	-123M	-125M	-141M	-138M	-134M
Net Property Plant And Equipment	106M	111M	92.53M	72.19M	63.93M
Long-term Investments	19.3M	19.3M	17.9M	18.5M	18.6M
Goodwill	1.28B	1.28B	1.23B	1.23B	1.23B
Other Intangibles, Total	518M	441M	358M	304M	258M
Accounts Receivable Long-Term	216M	276M	298M	314M	360M
Deferred Tax Assets Long-Term	57.48M	50.78M	53.74M	58.5M	72.71M
Deferred Charges Long-Term	15.7M	21.1M	24.2M	23.6M	19.3M
Other Long-Term Assets, Total	19.1M	22.08M	25.07M	21.23M	15.55M
Total Assets	3.39B	3.16B	3.21B	3.44B	3.03B
Liabilities
Accounts Payable, Total	41.22M	41.31M	48M	45.96M	45.42M
Accrued Expenses, Total	61.26M	64.26M	58.08M	68.26M	64.38M
Short-term Borrowings	12.9M	12.52M	13.52M	12.7M	14.46M
Current Portion of Long-Term Debt	39.86M	48.77M	71.32M	78M	34.93M
Current Portion of Leases	13.44M	11.52M	11.22M	9.35M	9.26M
Current Income Taxes Payable	-	-	-	-	-
Unearned Revenue Current, Total	95.85M	84.42M	58.3M	59.58M	75.42M
Other Current Liabilities	641M	491M	598M	763M	359M
Total Current Liabilities	906M	754M	859M	1.04B	603M
Long-Term Debt	1.12B	1.02B	1.03B	964M	890M
Long-Term Leases	39.96M	43.35M	33.91M	29.07M	22.59M
Unearned Revenue Non Current	33.56M	25.92M	23.23M	24.78M	19.3M
Deferred Tax Liability Non Current	40.5M	36.12M	40.37M	40.74M	39.92M
Other Non Current Liabilities	37.73M	34.54M	32.5M	25M	26.87M
Total Liabilities	2.18B	1.91B	2.02B	2.12B	1.6B
Common Stock, Total	702K	702K	702K	702K	702K
Additional Paid In Capital	682M	688M	702M	713M	732M
Retained Earnings	1B	1.13B	1.27B	1.39B	1.6B
Treasury Stock	-388M	-476M	-666M	-675M	-785M
Comprehensive Income and Other	-92.44M	-99.55M	-118M	-109M	-121M
Total Common Equity	1.21B	1.24B	1.19B	1.32B	1.42B
Total Equity	1.21B	1.24B	1.19B	1.32B	1.42B
Total Liabilities And Equity	3.39B	3.16B	3.21B	3.44B	3.03B
Supplemental Items
ECS Total Shares Outstanding on Filing Date	117M	115M	108M	106M	105M
ECS Total Common Shares Outstanding	117M	116M	108M	108M	105M
Book Value / Share	10.3	10.76	11.04	12.25	13.53
Tangible Book Value	-592M	-476M	-391M	-206M	-59.97M
Tangible Book Value Per Share	-5.06	-4.12	-3.61	-1.9	-0.57
Total Debt	1.23B	1.14B	1.16B	1.09B	971M
Net Debt	1.06B	1.01B	1.03B	928M	755M
Debt Equivalent Oper. Leases	229M	124M	122M	126M	95.68M
Equity Method Investments, Total	19.3M	19.3M	17.9M	18.5M	18.6M
Account Code - Inventory Valuation	3	3	3	3	3
Land - (BS)	1.78M	1.78M	1.78M	1.18M	1.18M
Buildings, Total	14.59M	14.85M	15.06M	14.49M	15.98M
Machinery, Total	142M	137M	142M	128M	125M
Full Time Employees	3.77K	3.61K	3.35K	3.21K	3.1K
Accumulated Allowance for Doubtful Accounts (Supple)	3.91M	2.86M	3.78M	4.3M	1.76M
Order Backlog	6.04B	6.11B	6.3B	6.52B	6.71B

Fiscal Period: December	2020	2021	2022	2023	2024
Net Income	72.66M	128M	142M	122M	203M
Depreciation & Amortization - CF	48.18M	31.42M	34.22M	35.36M	23.47M
Amortization of Goodwill and Intangible Assets - (CF)	37.09M	36.99M	35.45M	33.83M	29.5M
Depreciation & Amortization, Total	85.26M	68.41M	69.66M	69.19M	52.97M
Amortization of Deferred Charges, Total - (CF)	83.3M	80.18M	73.26M	69.12M	66.21M
(Gain) Loss From Sale Of Asset	-	-	-38.45M	-	-
(Gain) Loss on Sale of Investments - (CF)	-	-	-	-	-
Asset Writedown & Restructuring Costs	-	-	-	-	4.4M
Stock-Based Compensation (CF)	29.6M	27.24M	29.75M	24.55M	41.28M
Tax Benefit from Stock Options	-	-	-	-	-
Other Operating Activities, Total	9.37M	4.59M	4.63M	-2.16M	-11.21M
Change In Accounts Receivable	8.79M	-43.83M	-132M	-63M	-23.58M
Change In Accounts Payable	2.48M	1.41M	7.73M	-3.78M	-268K
Change in Unearned Revenues	9.42M	-17.33M	-2.98M	2.7M	11.89M
Change In Income Taxes	-	-	-	-	-
Change in Other Net Operating Assets	35.41M	-27.99M	-10.21M	-49.62M	13.94M
Cash from Operations	336M	220M	143M	169M	359M
Capital Expenditure	-17.8M	-20.58M	-13.1M	-8.92M	-15.4M
Cash Acquisitions	-	-	-	-	-
Divestitures	-	-	100M	-	-
Sale (Purchase) of Intangible assets	-28.83M	-24.79M	-26.79M	-28.85M	-29.65M
Investment in Marketable and Equity Securities, Total	-	-	-	-	-
Other Investing Activities, Total	15.93M	-	-	-	-
Cash from Investing	-30.7M	-45.37M	60.25M	-37.78M	-45.05M
Long-Term Debt Issued, Total	30M	35M	180M	134M	684M
Total Debt Issued	30M	35M	180M	134M	684M
Long-Term Debt Repaid, Total	-267M	-144M	-173M	-205M	-810M
Total Debt Repaid	-267M	-144M	-173M	-205M	-810M
Issuance of Common Stock	15.68M	12.3M	8.16M	9.54M	9.25M
Repurchase of Common Stock	-40.45M	-122M	-214M	-32.74M	-141M
Other Financing Activities, Total	-	-37.83M	26.85M	-17.56M	-30.61M
Cash from Financing	-262M	-257M	-171M	-112M	-288M
Foreign Exchange Rate Adjustments	-57K	533K	-2.04M	4.96M	697K
Net Change in Cash	43.98M	-81.24M	30.53M	24.15M	26.2M
Supplemental Items
Cash Interest Paid	51.99M	40.07M	48.53M	73.54M	70.2M
Cash Income Tax Paid (Refund)	27.76M	46.17M	43.55M	65.44M	47.91M
Levered Free Cash Flow	336M	258M	142M	153M	344M
Unlevered Free Cash Flow	367M	281M	170M	198M	386M
Change In Net Working Capital	-102M	-16.11M	93.02M	78.17M	-74.76M
Net Debt Issued / Repaid	-237M	-109M	7.45M	-70.8M	-126M

Fiscal Period: December	2020	2021	2022	2023	2024
Profitability
Return on Assets	3.56	4.26	4.24	4.67	6.14
Return on Total Capital	4.71	5.8	5.71	6.52	8.26
Return On Equity %	6.22	10.43	11.66	9.65	14.78
Return on Common Equity	6.22	10.43	11.66	9.65	14.78
Margin Analysis
Gross Profit Margin %	52.24	53.39	51.05	50.49	50.34
SG&A Margin	16.74	17.46	16.64	15.26	14.52
EBITDA Margin %	19.4	20.52	19.33	21.08	22.65
EBITA Margin %	17.49	18.99	17.7	19.44	21.79
EBIT Margin %	14.63	16.29	15.21	17.11	19.94
Income From Continuing Operations Margin %	5.61	9.32	10	8.36	12.74
Net Income Margin %	5.61	9.32	10	8.36	12.74
Net Avail. For Common Margin %	5.61	9.32	10	8.36	12.74
Normalized Net Income Margin	6.92	8.59	7.94	7.57	10.2
Levered Free Cash Flow Margin	25.98	18.82	9.96	10.55	21.55
Unlevered Free Cash Flow Margin	28.34	20.54	11.98	13.63	24.21
Asset Turnover
Asset Turnover	0.39	0.42	0.45	0.44	0.49
Fixed Assets Turnover	11.07	12.64	13.98	17.64	23.42
Receivables Turnover (Average Receivables)	3.69	4.13	3.93	3.39	3.68
Short Term Liquidity
Current Ratio	1.28	1.24	1.3	1.36	1.64
Quick Ratio	0.56	0.59	0.62	0.59	1.05
Operating Cash Flow to Current Liabilities	0.37	0.29	0.17	0.16	0.6
Days Sales Outstanding (Average Receivables)	99.26	88.32	92.95	107.56	99.49
Average Days Payable Outstanding	23.16	23.58	23.42	23.84	21.12
Long Term Solvency
Total Debt/Equity	101.87	91.26	97.04	82.51	68.17
Total Debt / Total Capital	50.46	47.72	49.25	45.21	40.53
LT Debt/Equity	96.38	85.41	88.99	74.96	64.05
Long-Term Debt / Total Capital	47.74	44.66	45.16	41.07	38.09
Total Liabilities / Total Assets	64.37	60.59	62.83	61.56	52.92
EBIT / Interest Expense	3.34	4.96	4.07	3.17	4.39
EBITDA / Interest Expense	4.94	6.58	5.45	4.1	5.15
(EBITDA - Capex) / Interest Expense	4.63	6.13	5.21	3.99	4.94
Total Debt / EBITDA	4.39	3.83	3.99	3.39	2.6
Net Debt / EBITDA	3.8	3.42	3.56	2.88	2.02
Total Debt / (EBITDA - Capex)	4.69	4.11	4.18	3.49	2.71
Net Debt / (EBITDA - Capex)	4.06	3.67	3.73	2.97	2.11
Growth Over Prior Year
Total Revenues, 1 Yr. Growth %	2.86	5.89	3.74	2.16	9.76
Gross Profit, 1 Yr. Growth %	5.51	8.22	-0.81	1.04	9.43
EBITDA, 1 Yr. Growth %	22.8	11.96	-2.25	11.39	17.94
EBITA, 1 Yr. Growth %	25.49	14.95	-3.31	12.22	22.98
EBIT, 1 Yr. Growth %	27.46	17.93	-3.16	14.97	27.85
Earnings From Cont. Operations, 1 Yr. Growth %	8.35	75.88	11.26	-14.54	67.16
Net Income, 1 Yr. Growth %	8.35	75.88	11.26	-14.54	67.16
Normalized Net Income, 1 Yr. Growth %	47.64	31.59	-4.18	-2.63	47.93
Diluted EPS Before Extra, 1 Yr. Growth %	8.77	74.19	14.81	-9.68	70.55
Accounts Receivable, 1 Yr. Growth %	-4.54	-6.55	26.02	12.03	-8.39
Net Property, Plant and Equip., 1 Yr. Growth %	-17.05	4.62	-16.55	-21.98	-11.44
Total Assets, 1 Yr. Growth %	3.97	-6.74	1.62	7.32	-12.18
Tangible Book Value, 1 Yr. Growth %	-20.21	-19.56	-17.97	-47.32	-70.86
Common Equity, 1 Yr. Growth %	6.78	3.16	-4.14	10.99	7.55
Cash From Operations, 1 Yr. Growth %	144.32	-29.99	-34.97	17.53	112.89
Capital Expenditures, 1 Yr. Growth %	-22.92	15.6	-36.34	-31.89	72.59
Levered Free Cash Flow, 1 Yr. Growth %	331.14	-23.28	-45.08	8.17	124.16
Unlevered Free Cash Flow, 1 Yr. Growth %	222.11	-23.27	-39.47	16.22	94.92
Compound Annual Growth Rate Over Two Years
Total Revenues, 2 Yr. CAGR %	13.22	4.37	4.81	2.95	5.89
Gross Profit, 2 Yr. CAGR %	8.03	6.86	3.94	0.11	5.15
EBITDA, 2 Yr. CAGR %	21.99	25.08	15.35	6.93	17.29
EBITA, 2 Yr. CAGR %	24.98	29.32	17.65	6.96	20.48
EBIT, 2 Yr. CAGR %	22.63	34.33	22.23	8.83	24.87
Earnings From Cont. Operations, 2 Yr. CAGR %	2.68	38.04	39.88	-2.49	19.53
Net Income, 2 Yr. CAGR %	2.68	38.04	39.88	-2.49	19.53
Normalized Net Income, 2 Yr. CAGR %	24.91	61.55	35.31	0.22	24.36
Diluted EPS Before Extra, 2 Yr. CAGR %	2.51	37.65	41.42	1.83	24.11
Accounts Receivable, 2 Yr. CAGR %	-0.76	-5.55	8.52	18.82	1.31
Net Property, Plant and Equip., 2 Yr. CAGR %	20.71	-6.84	-6.56	-19.31	-16.88
Total Assets, 2 Yr. CAGR %	26.32	-1.53	-2.65	4.43	-2.92
Tangible Book Value, 2 Yr. CAGR %	88.39	-19.89	-18.77	-34.26	-60.82
Common Equity, 2 Yr. CAGR %	7.29	4.96	-0.56	3.14	9.26
Cash From Operations, 2 Yr. CAGR %	35.22	28.94	-32.52	-12.57	58.18
Capital Expenditures, 2 Yr. CAGR %	-1.27	-5.61	-14.21	-34.15	8.42
Levered Free Cash Flow, 2 Yr. CAGR %	207.77	103.18	-32.22	-21.64	60.16
Unlevered Free Cash Flow, 2 Yr. CAGR %	154.1	69.14	-29.11	-14.85	54.05
Compound Annual Growth Rate Over Three Years
Total Revenues, 3 Yr. CAGR %	8.12	10.72	4.16	3.92	5.17
Gross Profit, 3 Yr. CAGR %	5.74	8.09	4.24	2.96	3.13
EBITDA, 3 Yr. CAGR %	12.17	18.55	15.21	14.02	10.48
EBITA, 3 Yr. CAGR %	13.94	21.55	17.38	15.81	12.05
EBIT, 3 Yr. CAGR %	12.29	21.04	20.44	19.76	14.83
Earnings From Cont. Operations, 3 Yr. CAGR %	141.87	22.85	28.46	18.7	16.7
Net Income, 3 Yr. CAGR %	141.87	22.85	28.46	18.7	16.7
Normalized Net Income, 3 Yr. CAGR %	15.62	27.1	35.74	21.25	14.11
Diluted EPS Before Extra, 3 Yr. CAGR %	149.33	22.33	29.57	21.79	20.93
Accounts Receivable, 3 Yr. CAGR %	9.26	-2.73	3.98	9.67	8.95
Net Property, Plant and Equip., 3 Yr. CAGR %	9.72	15.09	-10.2	-12.01	-16.77
Total Assets, 3 Yr. CAGR %	22.08	14.17	-0.49	0.57	-1.43
Tangible Book Value, 3 Yr. CAGR %	6.38	41.86	-19.25	-29.69	-49.88
Common Equity, 3 Yr. CAGR %	16.42	5.9	1.83	3.15	4.59
Cash From Operations, 3 Yr. CAGR %	32.01	6.23	2.64	-18.81	17.62
Capital Expenditures, 3 Yr. CAGR %	-11.54	4.06	-17.22	-20.56	-9.21
Levered Free Cash Flow, 3 Yr. CAGR %	37.12	93.7	31.37	-20.79	11.23
Unlevered Free Cash Flow, 3 Yr. CAGR %	34.57	70.47	20.08	-16.41	12.22
Compound Annual Growth Rate Over Five Years
Total Revenues, 5 Yr. CAGR %	4.35	6.39	6.78	7.54	4.85
Gross Profit, 5 Yr. CAGR %	3.34	5.47	4.88	4.82	4.6
EBITDA, 5 Yr. CAGR %	7.52	18.86	9.08	12.65	14.97
EBITA, 5 Yr. CAGR %	8.14	22.09	10.45	14.27	17.42
EBIT, 5 Yr. CAGR %	7.79	24.49	10.09	14.58	20.76
Earnings From Cont. Operations, 5 Yr. CAGR %	-3.19	-0.27	94.29	12.01	24.81
Net Income, 5 Yr. CAGR %	-3.19	-0.27	94.29	12.01	24.81
Normalized Net Income, 5 Yr. CAGR %	9.47	36.95	14.27	13.88	29.21
Diluted EPS Before Extra, 5 Yr. CAGR %	-2.95	-0.18	98.73	13.68	27.36
Accounts Receivable, 5 Yr. CAGR %	9.37	3.62	8.97	5.37	2.9
Net Property, Plant and Equip., 5 Yr. CAGR %	11.82	7.03	2.89	-0.15	-12.93
Total Assets, 5 Yr. CAGR %	11.38	10.67	11.51	10.17	-1.47
Tangible Book Value, 5 Yr. CAGR %	-4.71	-2.62	-4.5	4.29	-39.54
Common Equity, 5 Yr. CAGR %	13.02	10.52	9.31	4.79	4.74
Cash From Operations, 5 Yr. CAGR %	12.34	17.17	-0.39	-1.74	22.02
Capital Expenditures, 5 Yr. CAGR %	-8.18	-12.8	-12.62	-13.35	-7.79
Levered Free Cash Flow, 5 Yr. CAGR %	18.55	35.47	1.67	33.98	40.61
Unlevered Free Cash Flow, 5 Yr. CAGR %	17.58	29.91	2.51	28.36	31.44