Financials ACI Worldwide, Inc.

Equities

ACIW

US0044981019

Financial Technology (Fintech)

Real-time Estimate Cboe BZX Other stock markets 19:47:52 12/12/2025 GMT			5-day change	1st Jan Change
47.63 ^USD	+0.36%		+4.16%	-7.88%

12-11	BPI's BanKo Teams Up with ACI Worldwide to Modernize Payments Infrastructure	CI
12-09	ACI Worldwide Says LLP Exotic Auto Finance Selects its Payment Services Platform	MT

Projected Income Statement: ACI Worldwide, Inc.

Fiscal Period: December	2020	2021	2022	2023	2024	2025	2026	2027
Net sales ¹	1,294	1,371	1,422	1,453	1,594	1,743	1,868	2,010
Change	-	5.89%	3.74%	2.16%	9.76%	9.35%	7.16%	7.58%
EBITDA ¹	359.3	383.9	373.4	395.4	465.7	503	542.6	586.2
Change	-	6.85%	-2.74%	5.89%	17.78%	8%	7.88%	8.04%
EBIT ¹	144.7	209.9	203.8	220.4	308.1	339.7	383	424.5
Change	-	45.01%	-2.89%	8.13%	39.8%	10.25%	12.73%	10.84%
Interest Paid ¹	-56.63	-45.06	-53.19	-78.49	-72.47	-58.38	-55.39	-53.74
Earnings before Tax (EBT) ¹	98.63	175.1	206.6	147.6	250.4	316.2	345.7	386.2
Change	-	77.5%	18.03%	-28.56%	69.62%	26.26%	9.36%	11.69%
Net income ¹	72.66	127.8	142.2	121.5	203.1	245.2	264	294.6
Change	-	75.88%	11.26%	-14.54%	67.16%	20.72%	7.68%	11.56%
Announcement Date	25/02/21	24/02/22	01/03/23	29/02/24	27/02/25	-	-	-

¹USD in Million

Estimates

Fiscal Period: December	2020 Q4	2021 Q1	2021 Q2	2021 Q3	2021 Q4	2022 Q1	2022 Q2	2022 Q3	2022 Q4	2023 Q1	2023 Q2	2023 Q3	2023 Q4	2024 Q1	2024 Q2	2024 Q3	2024 Q4	2025 Q1	2025 Q2	2025 Q3	2025 Q4	2026 Q1	2026 Q2	2026 Q3	2026 Q4	2027 Q1	2027 Q2	2027 Q3
Net sales ¹	387	285.2	301.7	316.9	466.8	323.1	340.4	306.6	451.8	289.7	323.3	363	476.6	316	373.5	451.8	453	394.6	401.3	482.4	465.2	404.5	435.8	510.1	514.6	441.6	470.8	561.6
Change	-	-26.32%	5.78%	5.05%	47.3%	-30.79%	5.37%	-9.94%	47.36%	-35.88%	11.62%	12.28%	31.28%	-33.69%	18.18%	20.96%	0.28%	-12.91%	1.7%	20.21%	-3.55%	-13.05%	7.72%	17.06%	0.89%	-14.19%	6.62%	19.29%
EBITDA ¹	156.6	45.2	60	73.7	205.1	67.6	66.2	45.7	193.9	24.9	57.4	103.4	209.7	48.1	92.8	166.9	157.7	94.1	80.9	170.6	158.6	85.22	104.5	168.6	184.1	86.22	108.9	194.5
Change	-	-71.14%	32.74%	22.83%	178.29%	-67.04%	-2.07%	-30.97%	324.29%	-87.16%	130.52%	80.14%	102.8%	-77.06%	92.93%	79.85%	-5.51%	-40.33%	-14.03%	110.88%	-7.04%	-46.26%	22.68%	61.23%	9.19%	-53.16%	26.31%	78.58%
EBIT ¹	95.71	3.69	15.42	27.98	162.8	27.67	24.46	3.489	148.2	-24.35	10.52	61.92	172.3	9.56	53.7	122.6	122.3	58.52	34.86	127.7	118.6	44.66	64.3	127.5	145.1	42.14	66.98	151.9
Change	-	-96.14%	317.99%	81.4%	481.88%	-83.01%	-11.6%	-85.73%	4,148.29%	-116.43%	143.2%	488.63%	178.27%	-94.45%	461.73%	128.28%	-0.24%	-52.15%	-40.43%	266.36%	-7.16%	-62.33%	43.96%	98.33%	13.82%	-70.96%	58.93%	126.83%
Charge d'intérêts ¹	-12.39	-11.48	-11.26	-11.21	-11.12	-10.89	-11.78	-14.34	-16.18	-18.89	-19.91	-19.84	-19.84	-19.01	-18.47	-18.36	-16.63	-14.68	-14.53	-14.81	-14.37	-14.2	-14.05	-14.07	-13.87	-15.49	-15.49	-15.49
Earnings before Tax (EBT) ¹	91.41	-6.313	8.463	18.52	154.4	22.18	17.73	33.69	133	-43.13	-10.02	46.66	154.1	-7.466	40.34	107.3	110.3	71.64	17.87	118.1	108.4	35.6	55.31	118.5	136.3	31.66	56.44	141.4
Change	-	-106.91%	234.06%	118.8%	733.82%	-85.63%	-20.07%	90.03%	294.83%	-132.42%	76.76%	565.56%	230.29%	-104.84%	640.3%	165.94%	2.78%	-35.03%	-75.05%	560.93%	-8.2%	-67.17%	55.39%	114.3%	15.02%	-76.78%	78.29%	150.5%
Net income ¹	67.15	-1.945	6.501	13.76	109.5	15.49	13.34	23.12	90.23	-32.31	-6.71	37.91	122.6	-7.751	30.89	81.43	98.56	58.87	12.2	91.25	82.8	27.13	42.31	90.96	104.6	24.48	44.32	110.7
Change	-	-102.9%	434.24%	111.72%	695.34%	-85.85%	-13.87%	73.26%	290.31%	-135.81%	79.23%	664.99%	223.43%	-106.32%	498.49%	163.63%	21.03%	-40.27%	-79.27%	647.83%	-9.26%	-67.23%	55.92%	115%	15.01%	-76.6%	81.04%	149.79%
Announcement Date	25/02/21	06/05/21	05/08/21	04/11/21	24/02/22	05/05/22	04/08/22	02/11/22	01/03/23	04/05/23	03/08/23	02/11/23	29/02/24	30/04/24	01/08/24	07/11/24	27/02/25	08/05/25	07/08/25	06/11/25	-	-	-	-	-	-	-	-

¹USD in Million

Estimates

Forecast Balance Sheet: ACI Worldwide, Inc.

Fiscal Period: December	2020	2021	2022	2023	2024	2025	2026	2027
Net Debt	990	944	965	-	-	-	-	-
Change	-	-4.65%	2.22%	-	-	-	-	-
Announcement Date	25/02/21	24/02/22	01/03/23	29/02/24	27/02/25	-	-	-

Estimates

Cash Flow Forecast: ACI Worldwide, Inc.

Fiscal Period: December	2020	2021	2022	2023	2024	2025	2026	2027
CAPEX ¹	17.8	20.58	13.1	8.924	15.4	11.42	14.88	15.9
Change	-	15.6%	-36.34%	-31.89%	72.59%	-25.82%	30.26%	6.82%
Free Cash Flow (FCF) ¹	318.5	199.9	103.5	159.6	343.3	265.6	351.9	374.2
Change	-	-37.24%	-48.23%	54.21%	115.14%	-22.63%	32.46%	6.35%
Announcement Date	25/02/21	24/02/22	01/03/23	29/02/24	27/02/25	-	-	-

¹USD in Million

Estimates

Forecast Financial Ratios: ACI Worldwide, Inc.

Fiscal Period: December	2019	2020	2021	2022	2023	2024	2025	2026	2027
Profitability
EBITDA Margin (%)	-	27.76%	28.01%	26.26%	27.22%	29.21%	28.85%	29.04%	29.17%
EBIT Margin (%)	-	11.18%	15.31%	14.34%	15.17%	19.33%	19.49%	20.5%	21.12%
EBT Margin (%)	-	7.62%	12.77%	14.53%	10.16%	15.71%	18.13%	18.51%	19.21%
Net margin (%)	-	5.61%	9.32%	10%	8.37%	12.74%	14.06%	14.13%	14.66%
FCF margin (%)	-	24.61%	14.58%	7.28%	10.99%	21.54%	15.24%	18.83%	18.62%
FCF / Net Income (%)	-	438.34%	156.42%	72.79%	131.34%	169.04%	108.33%	133.26%	127.03%
Profitability
ROA	3.39%	3.56%	4.26%	4.24%	4.67%	6.14%	-	-	-
ROE	6.16%	6.22%	10.43%	11.66%	9.65%	14.78%	-	-	-
Financial Health
Leverage (Debt/EBITDA)	-	2.75x	2.46x	2.58x	-	-	-	-	-
Debt / Free cash flow	-	3.11x	4.72x	9.32x	-	-	-	-	-
Capital Intensity
CAPEX / Current Assets (%)	-	1.38%	1.5%	0.92%	0.61%	0.97%	0.66%	0.8%	0.79%
CAPEX / EBITDA (%)	-	4.96%	5.36%	3.51%	2.26%	3.31%	2.27%	2.74%	2.71%
CAPEX / FCF (%)	-	5.59%	10.3%	12.66%	5.59%	4.49%	4.3%	4.23%	4.25%
Items per share
Cash flow per share ¹	-	-	-	-	-	-	-	-	-
Change	-	-	-	-	-	-	-	-	-
Dividend per Share ¹	-	-	-	-	-	-	-	-	-
Change	-	-	-	-	-	-	-	-	-
Book Value Per Share ¹	-	-	-	-	-	-	-	-	-
Change	-	-	-	-	-	-	-	-	-
EPS ¹	-	0.62	1.08	1.24	1.12	1.91	2.342	2.562	2.872
Change	-	-	74.19%	14.81%	-9.68%	70.54%	22.6%	9.4%	12.13%
Nbr of stocks (in thousands)	-	116,762	117,566	112,374	108,723	104,889	103,088	103,088	103,088
Announcement Date	-	25/02/21	24/02/22	01/03/23	29/02/24	27/02/25	-	-	-