# ACI Worldwide, Inc. (ACIW)

**Exchange:** NASDAQ  
**Sector:** Technology  
**Market cap:** $4.65B  
**Price:** $44.36 (+1.44%)

> ACI Worldwide, Inc. is a global software company specializing in real-time electronic payment solutions for financial institutions, merchants, and corporate and government billers. The company develops, markets, installs, and supports software that enables secure card payments, digital and mobile payments, real-time payments, and fraud and financial crime detection across multiple channels and geographies. Its platforms support payment transaction processing for banks, community banks, credit unions, retailers, utilities, healthcare providers, insurers, and other billers, as well as electronic bill presentment and payment services. ACI Worldwide operates through key segments including Banks, Merchants, and Billers, reflecting its role across the retail banking, merchant acquiring, and billing ecosystems. Headquartered in Elkhorn, Nebraska and founded in 1975, the company serves customers globally in the Americas, EMEA, and Asia Pacific, with a significant share of revenue generated in the United States and Europe. In today’s payments market, ACI Worldwide plays an important role in enabling high-volume, mission-critical, always-on digital payment infrastructure for enterprise clients.

## Income Statement (Annual, USD)

| Fiscal Year | Revenue | Gross Profit | Operating Income | Net Income | EPS (dil.) |
| --- | --- | --- | --- | --- | --- |
| 2025 | $1.76B | $862M | $330M | $227M | — |
| 2024 | $1.59B | $803M | $308M | $203M | — |
| 2023 | $1.45B | $733M | $220M | $122M | — |
| 2022 | $1.42B | $726M | $204M | $142M | — |
| 2021 | $1.37B | $732M | $210M | $128M | — |
| 2020 | $1.29B | $672M | $145M | $73M | — |
| 2019 | $1.26B | $641M | $124M | $67M | — |
| 2018 | $1.01B | $579M | $126M | $69M | — |
| 2017 | $1.02B | $572M | $85M | $5M | — |
| 2016 | $1.01B | $561M | $221M | $130M | — |
| 2015 | $1.05B | $574M | $128M | $85M | — |
| 2014 | $1.02B | $586M | $138M | $68M | — |
| 2013 | $865M | $546M | $123M | $64M | — |
| 2012 | $667M | $465M | $74M | $49M | — |
| 2011 | $465M | $346M | $66M | $46M | — |

## Balance Sheet (Annual, USD)

| Fiscal Year | Total Assets | Total Liabilities | Equity | Cash | Long-term Debt |
| --- | --- | --- | --- | --- | --- |
| 2025 | $3.10B | $1.59B | $1.52B | $196M | $818M |
| 2024 | $3.03B | $1.60B | $1.42B | $216M | $925M |
| 2023 | $3.44B | $2.12B | $1.32B | $164M | $1.04B |
| 2022 | $3.21B | $2.02B | $1.19B | $125M | $1.09B |
| 2021 | $3.16B | $1.91B | $1.24B | $122M | $1.07B |
| 2020 | $3.39B | $2.18B | $1.21B | $165M | $1.16B |
| 2019 | $3.26B | $2.13B | $1.13B | $121M | $1.37B |
| 2018 | $2.12B | $1.07B | $1.05B | $149M | $672M |
| 2017 | $1.86B | $1.10B | $765M | $70M | $686M |
| 2016 | $1.90B | $1.15B | $755M | $76M | $744M |
| 2015 | $1.98B | $1.32B | $654M | $102M | $924M |
| 2014 | $1.85B | $1.27B | $581M | $77M | $892M |
| 2013 | $1.68B | $1.14B | $544M | $95M | $755M |
| 2012 | $1.25B | $717M | $534M | $76M | $374M |
| 2011 | $665M | $347M | $317M | $197M | — |

## Cash Flow (Annual, USD)

| Fiscal Year | Operating Cash Flow | CapEx | Free Cash Flow |
| --- | --- | --- | --- |
| 2025 | $323M | $13M | $310M |
| 2024 | $359M | $15M | $343M |
| 2023 | $169M | $9M | $160M |
| 2022 | $143M | $13M | $130M |
| 2021 | $220M | $21M | $200M |
| 2020 | $315M | $18M | $297M |
| 2019 | $133M | $23M | $110M |
| 2018 | $184M | $18M | $166M |
| 2017 | $146M | $26M | $120M |
| 2016 | $100M | $41M | $59M |
| 2013 | $138M | $21M | $117M |
| 2012 | -$9M | $13M | -$22M |
| 2011 | $83M | $11M | $73M |
| 2010 | $81M | $5M | $76M |
| 2009 | $44M | $3M | $41M |

Source: [CompaniesByCap](https://companiesbycap.com/company/ACIW)