InsiderClue
Stocks · Technology · Services-Prepackaged Software

ACI WORLDWIDE, INC.

ACIW Clue Score71
United States Fiscal year ends December CIK 0000935036
$50.87 -0.39% Close, 9 Oct 2026
Alert on the numbers Alert on insider trades
Price $50.87 +72.32% Close, 9 Oct 2026

Closing prices at the end of each trading day, from 12 Oct 2016. Not a live quote. Adjusted for share splits, so the line has no step at a split; dividends are not added back. P/E and P/FCF are the market value over the last full fiscal year's net income or free cash flow, as public on each day, so they step once a year when the annual report comes out. A hatched band marks a stretch with none: a year of net loss, or of cash burnt.

Revenue and profit

What the business sells, and what is left of it. Point at a year for the detail.
RevenueOperating incomeNet income
Fiscal year 2016Revenue1,005.7Operating income221.1Net income129.5EPS, diluted1.09Fiscal year 2017Revenue1,024.2 +1.8%Operating income84.6Net income5.1 −96.0%EPS, diluted0.04 −96.3%Fiscal year 2018Revenue1,009.8 −1.4%Operating income125.9Net income68.9 +1,242.2%EPS, diluted0.59 +1,375.0%Fiscal year 2019Revenue1,258.3 +24.6%Operating income123.8Net income67.1 −2.7%EPS, diluted0.57 −3.4%Fiscal year 2020Revenue1,294.3 +2.9%Operating income144.7Net income72.7 +8.3%EPS, diluted0.62 +8.8%Fiscal year 2021Revenue1,370.6 +5.9%Operating income209.9Net income127.8 +75.9%EPS, diluted1.08 +74.2%Fiscal year 2022Revenue1,421.9 +3.7%Operating income203.8Net income142.2 +11.3%EPS, diluted1.24 +14.8%Fiscal year 2023Revenue1,452.6 +2.2%Operating income220.4Net income121.5 −14.5%EPS, diluted1.12 −9.7%Fiscal year 2024Revenue1,594.3 +9.8%Operating income308.1Net income203.1 +67.2%EPS, diluted1.91 +70.5%Fiscal year 2025Revenue1,759.8 +10.4%Operating income329.9Net income226.7 +11.6%EPS, diluted2.16 +13.1%
FY2016FY2017FY2018FY2019FY2020FY2021FY2022FY2023FY2024FY2025
Revenue 1,005.7 1,024.2 1,009.8 1,258.3 1,294.3 1,370.6 1,421.9 1,452.6 1,594.3 1,759.8
Growth +1.8% −1.4% +24.6% +2.9% +5.9% +3.7% +2.2% +9.8% +10.4%
Operating income 221.1 84.6 125.9 123.8 144.7 209.9 203.8 220.4 308.1 329.9
Net income 129.5 5.1 68.9 67.1 72.7 127.8 142.2 121.5 203.1 226.7
Growth −96.0% +1,242.2% −2.7% +8.3% +75.9% +11.3% −14.5% +67.2% +11.6%
EPS, diluted 1.09 0.04 0.59 0.57 0.62 1.08 1.24 1.12 1.91 2.16
Growth −96.3% +1,375.0% −3.4% +8.8% +74.2% +14.8% −9.7% +70.5% +13.1%

Margins

How much of each dollar of revenue it keeps. Point at a year for the detail.
Operating marginNet margin
Fiscal year 2016Operating margin22.0%Net margin12.9%Free cash flow margin5.9%Fiscal year 2017Operating margin8.3%Net margin0.5%Free cash flow margin11.8%Fiscal year 2018Operating margin12.5%Net margin6.8%Free cash flow margin16.4%Fiscal year 2019Operating margin9.8%Net margin5.3%Free cash flow margin8.7%Fiscal year 2020Operating margin11.2%Net margin5.6%Free cash flow margin23.0%Fiscal year 2021Operating margin15.3%Net margin9.3%Free cash flow margin14.6%Fiscal year 2022Operating margin14.3%Net margin10.0%Free cash flow margin9.2%Fiscal year 2023Operating margin15.2%Net margin8.4%Free cash flow margin11.0%Fiscal year 2024Operating margin19.3%Net margin12.7%Free cash flow margin21.5%Fiscal year 2025Operating margin18.7%Net margin12.9%Free cash flow margin17.6%
FY2016FY2017FY2018FY2019FY2020FY2021FY2022FY2023FY2024FY2025
Operating margin 22.0% 8.3% 12.5% 9.8% 11.2% 15.3% 14.3% 15.2% 19.3% 18.7%
Net margin 12.9% 0.5% 6.8% 5.3% 5.6% 9.3% 10.0% 8.4% 12.7% 12.9%
Free cash flow margin 5.9% 11.8% 16.4% 8.7% 23.0% 14.6% 9.2% 11.0% 21.5% 17.6%

Cash flow

The cash the business makes, what it reinvests, and what it hands back. Point at a year for the detail.
Operating cash flowCapital expenditureFree cash flow
Fiscal year 2016Operating cash flow99.8Capital expenditure−40.8Free cash flow59.0Buybacks−60.1Fiscal year 2017Operating cash flow146.2Capital expenditure−25.7Free cash flow120.5 +104.1%Buybacks−37.4Fiscal year 2018Operating cash flow183.9Capital expenditure−18.3Free cash flow165.7 +37.5%Buybacks−54.5Fiscal year 2019Operating cash flow132.6Capital expenditure−23.1Free cash flow109.5 −33.9%Buybacks−35.6Fiscal year 2020Operating cash flow314.9Capital expenditure−17.8Free cash flow297.1 +171.3%Buybacks−28.9Fiscal year 2021Operating cash flow220.5Capital expenditure−20.6Free cash flow199.9 −32.7%Buybacks−107.4Fiscal year 2022Operating cash flow143.4Capital expenditure−13.1Free cash flow130.3 −34.8%Buybacks−206.5Fiscal year 2023Operating cash flow168.5Capital expenditure−8.9Free cash flow159.6 +22.5%Buybacks−27.6Fiscal year 2024Operating cash flow358.7Capital expenditure−15.4Free cash flow343.3 +115.1%Buybacks−127.7Fiscal year 2025Operating cash flow322.8Capital expenditure−12.9Free cash flow309.9 −9.7%Buybacks−202.6
FY2016FY2017FY2018FY2019FY2020FY2021FY2022FY2023FY2024FY2025
Operating cash flow 99.8 146.2 183.9 132.6 314.9 220.5 143.4 168.5 358.7 322.8
Capital expenditure −40.8 −25.7 −18.3 −23.1 −17.8 −20.6 −13.1 −8.9 −15.4 −12.9
Free cash flow 59.0 120.5 165.7 109.5 297.1 199.9 130.3 159.6 343.3 309.9
Growth +104.1% +37.5% −33.9% +171.3% −32.7% −34.8% +22.5% +115.1% −9.7%
Buybacks −60.1 −37.4 −54.5 −35.6 −28.9 −107.4 −206.5 −27.6 −127.7 −202.6

Balance sheet

What it holds against what it owes, at each year end. Point at a year for the detail.
CashTotal debt
Fiscal year 2016Cash75.8Total debt743.9Net cash (debt)−668.2Shareholders’ equity754.9Debt to equity0.99Fiscal year 2017Cash69.7Total debt685.7Net cash (debt)−616.0Shareholders’ equity764.6Debt to equity0.90Fiscal year 2018Cash148.5Total debt671.8Net cash (debt)−523.3Shareholders’ equity1,048.2Debt to equity0.64Fiscal year 2019Cash121.4Total debt1,373.2Net cash (debt)−1,251.8Shareholders’ equity1,130.0Debt to equity1.22Fiscal year 2020Cash165.4Total debt1,155.0Net cash (debt)−989.6Shareholders’ equity1,206.6Debt to equity0.96Fiscal year 2021Cash122.1Total debt1,065.7Net cash (debt)−943.7Shareholders’ equity1,244.8Debt to equity0.86Fiscal year 2022Cash125.0Total debt1,089.9Net cash (debt)−964.9Shareholders’ equity1,193.2Debt to equity0.91Fiscal year 2023Cash164.2Total debt1,038.0Net cash (debt)−873.8Shareholders’ equity1,324.3Debt to equity0.78Fiscal year 2024Cash216.4Total debt924.6Net cash (debt)−708.2Shareholders’ equity1,424.3Debt to equity0.65Fiscal year 2025Cash196.5Total debt817.6Net cash (debt)−621.1Shareholders’ equity1,519.1Debt to equity0.54
FY2016FY2017FY2018FY2019FY2020FY2021FY2022FY2023FY2024FY2025
Cash 75.8 69.7 148.5 121.4 165.4 122.1 125.0 164.2 216.4 196.5
Total debt 743.9 685.7 671.8 1,373.2 1,155.0 1,065.7 1,089.9 1,038.0 924.6 817.6
Net cash (debt) −668.2 −616.0 −523.3 −1,251.8 −989.6 −943.7 −964.9 −873.8 −708.2 −621.1
Shareholders’ equity 754.9 764.6 1,048.2 1,130.0 1,206.6 1,244.8 1,193.2 1,324.3 1,424.3 1,519.1
Debt to equity 0.99 0.90 0.64 1.22 0.96 0.86 0.91 0.78 0.65 0.54

In millions of USD, except per-share figures and ratios. Fiscal years, as last filed with the SEC.

Financial statements FY2025 · 10-K

Ratios

Percentages worked out from the filed figures; debt to equity in times. Fiscal years ending December, each column as last filed with the SEC.
Click a line to chart it
Fiscal year FY2016 31 Dec 2016 FY2017 31 Dec 2017 FY2018 31 Dec 2018 FY2019 31 Dec 2019 FY2020 31 Dec 2020 FY2021 31 Dec 2021 FY2022 31 Dec 2022 FY2023 31 Dec 2023 FY2024 31 Dec 2024 FY2025 31 Dec 2025
Margins
22.0% 8.3% 12.5% 9.8% 11.2% 15.3% 14.3% 15.2% 19.3% 18.7%
18.5% 4.3% 9.1% 5.7% 7.6% 12.8% 14.5% 10.2% 15.7% 17.4%
12.9% 0.5% 6.8% 5.3% 5.6% 9.3% 10.0% 8.4% 12.7% 12.9%
5.9% 11.8% 16.4% 8.7% 23.0% 14.6% 9.2% 11.0% 21.5% 17.6%
Spending
11.3% 14.9% 10.6% 10.8% 11.8% 9.0% 8.0% 8.1% 7.4% 8.1%
4.1% 2.5% 1.8% 1.8% 1.4% 1.5% 0.9% 0.6% 1.0% 0.7%
30.2% 88.2% 24.9% 7.1% 26.3% 27.0% 31.2% 17.7% 18.9% 26.1%
Returns
17.2% 0.7% 6.6% 5.9% 6.0% 10.3% 11.9% 9.2% 14.3% 14.9%
6.8% 0.3% 3.2% 2.1% 2.1% 4.0% 4.4% 3.5% 6.7% 7.3%
Balance and payout
0.99 0.90 0.64 1.22 0.96 0.86 0.91 0.78 0.65 0.54
60.3% 58.9% 50.6% 65.3% 64.4% 60.6% 62.8% 61.6% 52.9% 51.1%
101.8% 31.0% 32.9% 32.5% 9.7% 53.7% 158.5% 17.3% 37.2% 65.4%