ACIW (ACI Worldwide, Inc.) Stock Financials & Earnings | Market Cap Arena

ACIW (ACI Worldwide, Inc.) Stock Financials & Earnings | Market Cap Arena

ACIWACI Worldwide, Inc.

Mkt Cap$4B

Technology·Software - Infrastructure·🇺🇸 United States·NASDAQ

Revenue (TTM)$1.8B

Net Income (TTM)$227M

EPS (TTM)$2.17

Free Cash Flow (TTM)$298M

Gross Margin49.0%

Op. Margin18.7%

Net Margin12.9%

FCF Margin16.9%

P/S Ratio (TTM)2.5x

P/E Ratio (TTM)19.2x

YoY Rev Growth+10.4%

Employees—

Earnings Reports

Revenue & Profitability

Quarter	Revenue	Gross Profit	Op. Income
Q1 23	$290M	$111M	-$24M
Q2 23	$323M	$142M	$11M
Q3 23	$363M	$185M	$62M
Q4 23	$477M	$295M	$172M
Q1 24	$316M	$125M	$10M
Q2 24	$373M	$170M	$54M
Q3 24	$452M	$254M	$123M
Q4 24	$453M	$253M	$122M
Q1 25	$395M	$181M	$59M
Q2 25	$401M	$166M	$35M
Q3 25	$482M	$259M	$128M
Q4 25	$482M	$255M	$109M

Revenue Breakdown

Valuation

Quarter	P/S	P/E
Q1 23	3.1x	46.0x
Q2 23	3.2x	58.4x
Q3 23	3.0x	48.7x
Q4 23	3.0x	35.8x
Q1 24	2.9x	29.7x
Q2 24	2.8x	23.7x
Q3 24	2.7x	19.1x
Q4 24	2.7x	21.4x
Q1 25	2.6x	16.1x
Q2 25	2.6x	17.3x
Q3 25	2.5x	16.7x
Q4 25	2.5x	19.2x

Operating Cash Flow

Quarter	Operating CF	Free CF
Q1 23	$40M	$31M
Q2 23	$17M	$15M
Q3 23	$25M	$14M
Q4 23	$86M	$78M
Q1 24	$123M	$105M
Q2 24	$55M	$49M
Q3 24	$59M	$75M
Q4 24	$126M	$120M
Q1 25	$78M	$69M
Q2 25	$50M	$42M
Q3 25	$73M	$70M
Q4 25	$122M	$117M

Capital Expenditures

CapEx

Quarter	CapEx
Q1 23	$9M
Q2 23	$2M
Q3 23	$11M
Q4 23	$7M
Q1 24	$18M
Q2 24	$6M
Q3 24	$16M
Q4 24	$7M
Q1 25	$9M
Q2 25	$8M
Q3 25	$3M
Q4 25	$5M

OpEx vs Revenue Growth (YoY)

Quarter	Revenue Growth	OpEx Growth
Q1 23	-10.3%	+6.3%
Q2 23	-5.0%	-1.0%
Q3 23	+18.4%	-0.7%
Q4 23	+5.5%	+0.2%
Q1 24	+9.1%	-2.4%
Q2 24	+15.5%	+2.2%
Q3 24	+24.4%	+9.3%
Q4 24	-4.9%	+8.7%
Q1 25	+24.9%	+9.7%
Q2 25	+7.4%	+14.6%
Q3 25	+6.8%	+7.7%
Q4 25	+6.3%	+12.7%

Stock-Based Compensation

Quarter	SBC ($)	% of Revenue
Q1 23	$5M	1.8%
Q2 23	$5M	1.7%
Q3 23	$7M	1.9%
Q4 23	$7M	1.5%
Q1 24	$8M	2.6%
Q2 24	$11M	2.9%
Q3 24	$11M	2.5%
Q4 24	$11M	2.5%
Q1 25	$12M	2.9%
Q2 25	$16M	4.1%
Q3 25	$17M	3.6%
Q4 25	$25M	5.2%

OpEx Breakdown

Quarter	R&D	G&A	S&M
Q1 23	$37M	$31M	$35M
Q2 23	$35M	$31M	$33M
Q3 23	$34M	$30M	$29M
Q4 23	$35M	$25M	$34M
Q1 24	$35M	$26M	$27M
Q2 24	$35M	$25M	$29M
Q3 24	$38M	$34M	$29M
Q4 24	$39M	$33M	$34M
Q1 25	$39M	$28M	$32M
Q2 25	$41M	$38M	$29M
Q3 25	$43M	$34M	$31M
Q4 25	$45M	$43M	$33M

Rule of 40

Rule of 40

Quarter	Rev Growth %	EBITDA Margin %	Rule of 40
Q1 23	-10.3%	3.5%	-6.9
Q2 23	-5.0%	13.9%	8.9
Q3 23	18.4%	27.5%	45.9
Q4 23	5.5%	43.1%	48.6
Q1 24	9.1%	13.2%	22.3
Q2 24	15.5%	23.8%	39.3
Q3 24	24.4%	35.3%	59.7
Q4 24	-4.9%	33.9%	28.9
Q1 25	24.9%	28.6%	53.4
Q2 25	7.4%	14.7%	22.1
Q3 25	6.8%	33.1%	39.8
Q4 25	6.3%	27.1%	33.4

Revenue Segments

Quarter	Digital Business Banking	Fraud Management	Issuing And Acquiring	License	Maintenance	Merchant Payments	Real Time Payments
Q4 23	$499K	$25M	$172M	$179M	$52M	$43M	—
Q4 24	—	$13M	$187M	$159M	$47M	$42M	—
Q4 25	—	—	$184M	$158M	$51M	$42M	$38M

Revenue by Geography

Quarter	Non-US	United States
Q1 23	$88M	$201M
Q2 23	$118M	$205M
Q3 23	$136M	$227M
Q4 23	$223M	$254M
Q1 24	$88M	$228M
Q2 24	$144M	$230M
Q3 24	$211M	$241M
Q4 24	$221M	$232M
Q1 25	$158M	$237M
Q2 25	$125M	$276M
Q3 25	$229M	$253M
Q4 25	$233M	$248M

War Chest

Quarter	Cash	Short-term Investments	Total
Q1 23	$142M	$0	$142M
Q2 23	$132M	$0	$132M
Q3 23	$140M	$0	$140M
Q4 23	$164M	$0	$164M
Q1 24	$183M	$0	$183M
Q2 24	$157M	$0	$157M
Q3 24	$178M	$0	$178M
Q4 24	$216M	$0	$216M
Q1 25	$230M	$0	$230M
Q2 25	$190M	$0	$190M
Q3 25	$199M	$0	$199M
Q4 25	$196M	$0	$196M

Shares Outstanding

Shares Outstanding

Quarter	Shares (Diluted)	QoQ Change
Q1 23	108M	-2.9%
Q2 23	108M	+0.3%
Q3 23	109M	+0.4%
Q4 23	109M	+0.2%
Q1 24	107M	-2.2%
Q2 24	106M	-0.6%
Q3 24	106M	-0.1%
Q4 24	106M	+0.3%
Q1 25	107M	+0.5%
Q2 25	105M	-1.6%
Q3 25	104M	-1.1%
Q4 25	103M	-0.4%

Revenue Per Employee

Revenue / Employee

Year	Revenue/Employee	Employees
FY 14	$227K	4K
FY 15	$229K	5K
FY 16	$245K	4K
FY 17	$257K	4K
FY 18	$265K	4K
FY 19	$313K	4K
FY 20	$344K	4K
FY 21	$380K	4K
FY 22	$425K	3K
FY 23	$452K	3K
FY 24	$514K	3K
FY 25	$601K	3K