ACI Worldwide, Inc. develops, markets, installs, and supports software products and services for facilitating electronic payments in the United States and worldwide. It operates through Payment Software, and Billers segments. The company offers ACI Acquiring, a solution to process credit, debit, and prepaid card transactions, deliver digital innovation, fraud prevention, and reduce fees; ACI Issuing, a digital payment issuing solution; and ACI Connetic, a solution that offers payment services for processing, routing, and managing various payment types. It provides ACI real-time payments, a solution that provides connectivity to payment rails; ACI RTGS and cross-border, a payments engine that offers multi-currency, payment and STP processing, and back-office integration interfaces; and ACI digital central infrastructure, a solution that offers real-time payments service. Further, it offers ACI Payments Orchestration Platform, a payments platform that orchestrates and optimizes payments; ACI Fraud Management for merchants, billers, and financial institutions; ACI Fraud Scoring Services with artificial and human insights with data intelligence; and Speedpay, an integrated suite of digital billing, payment, disbursement, and communication services. Additionally, it offers electronic bill presentment and payment services to consumer finance, insurance, healthcare, higher education, utility, government, subscription provider, telecommunications, and mortgage sectors; product installations and configurations, and custom software modifications; and business and technical consultancy, on-site support, product education, and testing services, as well distributes software developed by third parties. It markets its products and services under the ACI Worldwide brand. The company was formerly known as Transaction Systems Architects, Inc. and changed its name to ACI Worldwide, Inc. in July 2007. The company was founded in 1975 and is headquartered in Elkhorn, Nebraska.
5-year financial trends. Figures in USD millions.
Latest fiscal year: 2025
Year-by-year revenue, profitability, and cash flow (USD millions, last 10 years)
| Year | Revenue | EBITDA | Net Profit | FCF | ROE | Rev Growth 1Y | NP Growth 1Y |
|---|---|---|---|---|---|---|---|
| 2025 | $1.8B | $471M | $227M | $289M | 14.9% | 10.4% | 11.6% |
| 2024 | $1.6B | $444M | $203M | $314M | 14.3% | 9.8% | 67.2% |
| 2023 | $1.5B | $360M | $122M | $131M | 9.2% | 2.2% | -14.5% |
| 2022 | $1.4B | $398M | $142M | $103M | 11.9% | - | - |
| 2021 | - | - |
Income statement, balance sheet, and cash flow as reported
Consolidated Figures in USD Millions.
| Metric | 2021 | 2022 | 2023 | 2024 | 2025 |
|---|---|---|---|---|---|
| Total Revenue | - | 1,421.90 | 1,452.58 | 1,594.29 | 1,759.78 |
| Operating Revenue | - | 1,421.90 | 1,452.58 | 1,594.29 | 1,759.78 |
| Cost Of Revenue | - | 696.07 | 719.21 | 791.78 | 897.65 |
| Gross Profit | - | 725.83 | 733.37 | 802.50 | 862.13 |
| Operating Expense | - | 522 | 512.96 | 494.37 | 532.22 |
| Research And Development | - | 146.31 | 140.76 | 146.68 | 167.54 |
| Selling General And Administration | - | 249.01 | 249.83 | 236.73 | 267.78 |
| Total Expenses | - | 1,218.07 | 1,232.17 | 1,286.15 | 1,429.87 |
| Operating Income | - | 203.84 | 220.41 | 308.14 | 329.91 |
| Total Operating Income As Reported | - | 203.84 | 220.41 | 308.14 | 329.91 |
| EBITDA | - | 398.19 | 360.11 | 443.55 | 471.16 |
| Normalized EBITDA | - | 398.19 | 360.11 | 443.55 | 471.16 |
| EBIT | - | 259.83 | 226.11 | 322.88 | 364.52 |
| Interest Income | - | 12.55 | 14.22 | 15.93 | 14.87 |
| Interest Expense | - | 53.19 | 78.49 | 72.47 | 57.85 |
| Net Interest Income | - | -40.65 | -64.27 | -56.54 | -42.97 |
| Other Non Operating Income Expenses | - | 43.45 | -8.51 | -1.18 | 19.73 |
| Other Income Expense | - | 43.45 | -8.51 | -1.18 | 19.73 |
| Interest Income Non Operating | - | 12.55 | 14.22 | 15.93 | 14.87 |
| Interest Expense Non Operating | - | 53.19 | 78.49 | 72.47 | 57.85 |
| Net Non Operating Interest Income Expense | - | -40.65 | -64.27 | -56.54 | -42.97 |
| Pretax Income | - | 206.64 | 147.63 | 250.41 | 306.67 |
| Tax Provision | - | 64.46 | 26.12 | 47.29 | 80.01 |
| Tax Rate For Calcs | - | 0 | 0 | 0 | 0 |
| Tax Effect Of Unusual Items | - | 0 | 0 | 0 | 0 |
| Net Income Continuous Operations | - | 142.18 | 121.51 | 203.12 | 226.66 |
| Net Income From Continuing And Discontinued Operation | - | 142.18 | 121.51 | 203.12 | 226.66 |
| Net Income From Continuing Operation Net Minority Interest | - | 142.18 | 121.51 | 203.12 | 226.66 |
| Net Income | - | 142.18 | 121.51 | 203.12 | 226.66 |
| Net Income Common Stockholders | - | 142.18 | 121.51 | 203.12 | 226.66 |
| Net Income Including Noncontrolling Interests | - | 142.18 | 121.51 | 203.12 | 226.66 |
| Normalized Income | - | 142.18 | 121.51 | 203.12 | 226.66 |
| Diluted NI Availto Com Stockholders | - | 142.18 | 121.51 | 203.12 | 226.66 |
| Basic Average Shares | - | 113.70 | 108.50 | 105.49 | 103.96 |
| Diluted Average Shares | - | 114.24 | 108.86 | 106.49 | 104.80 |
| Reconciled Depreciation | - | 138.36 | 133.99 | 120.67 | 106.65 |
| Reconciled Cost Of Revenue | - | 684.38 | 707.59 | 782.08 | 887.90 |
| Depreciation Amortization Depletion Income Statement | - | 126.68 | 122.37 | 110.96 | 96.90 |
| Depreciation And Amortization In Income Statement | - | 126.68 | 122.37 | 110.96 | 96.90 |
| General And Administrative Expense | - | 114.19 | 117.19 | 118.38 | 142.71 |
| Other Gand A | - | 114.19 | 117.19 | 118.38 | 142.71 |
| Selling And Marketing Expense | - | 134.81 | 132.64 | 118.35 | 125.07 |
Technology sector peers, ranked by market cap
| Company | Ticker | Market Cap | P/E | P/B | ROE | EV/EBITDA |
|---|---|---|---|---|---|---|
| ACI Worldwide, Inc.this co. | ACIW | $4.3B | 19.00β discount | 2.83 | 14.9% | 10.53 |
| Power Integrations, Inc. | POWI | $4.8B | 215.13 | 7.06 | 3.3% | 117.83 |
| SolarEdge Technologies, Inc. | SEDG | $4.4B | -10.97 | 10.41 | -94.8% | -12.64 |
| Ultra Clean Holdings, Inc. | UCTT | $4.2B | -23.18 | 5.91 | -25.5% | -144.65 |
| Impinj, Inc. | PI | $4.1B |
| - |
| - |
| - |
| - |
| - |
| - |
| 19.82 |
| -5.2% |
| 595.65 |
| Veeco Instruments Inc. | VECO | $3.9B | 109.79 | 4.39 | 4.0% | 58.12 |
| Life360, Inc. | LIF | $3.9B | 25.68 | 7.07 | 27.5% | 112.98 |
| Extreme Networks, Inc. | EXTR | $3.9B | - | 59.05 | -11.4% | 98.02 |
| Badger Meter, Inc. | BMI | $3.7B | 26.37 | 5.24 | 19.9% | 16.10 |
| Peer Median | - | 26.02 | 7.06 | -1.0% | 78.07 | |