ACI Worldwide, Inc. is a global software company that develops and licenses digital payment solutions for banks, merchants, and billers. Headquartered in Elkhorn, Nebraska, the company's software facilitates real-time electronic payments, card processing, and fraud prevention across various channels. ACI Worldwide serves thousands of financial institutions and intermediaries in over 90 countries, processing billions of transactions daily.
Financial Statements
In thousands, USD
FY 2025
FY 2024
FY 2023
FY 2022
Total Revenues
1,759,782
1,594,288
1,452,579
1,421,901
Cost of Sales
897,651
791,783
719,211
696,071
Gross Profit
862,131
802,505
733,368
725,830
Selling, General & Administrative Expenses
267,780
236,731
249,829
249,006
Depreciation & Amortization Expenses
96,896
110,962
122,373
126,678
Research & Development Expenses
167,541
146,677
140,758
146,311
Operating Profit
329,914
308,135
220,408
203,835
Interest and Investment Income
14,874
15,926
14,215
12,547
Interest Expense
(57,847)
(72,471)
(78,486)
(53,193)
Non-Operating Income
19,729
(1,181)
(8,510)
43,446
Total Non-Operating Income
(23,244)
(57,726)
(72,781)
2,800
Income Before Provision for Income Taxes
306,670
250,409
147,627
206,635
Provision for Income Taxes
80,012
47,291
26,118
64,458
Consolidated Net Income
226,658
203,118
121,509
142,177
Net Income Attributable to Common Shareholders
226,658
203,118
121,509
142,177
Basic EPS
2.18
1.93
1.12
1.25
Diluted EPS
2.16
1.91
1.12
1.24
Basic Weighted Average Shares Outstanding
103,956
105,491
108,497
113,700
Diluted Weighted Average Shares Outstanding
104,805
106,493
108,857
114,238
Shares Outstanding
102,712
105,255
108,078
108,069
FY 2025
FY 2024
FY 2023
FY 2022
Cash and Cash Equivalents
196,462
216,394
164,239
124,981
Total Cash and Cash Equivalents
196,462
216,394
164,239
124,981
Accounts Receivable
445,866
414,399
452,337
403,781
Total Trade Receivables
445,866
414,399
452,337
403,781
Other Current Assets
446,786
360,029
790,069
586,043
Total Current Assets
1,089,114
990,822
1,406,645
1,114,805
Net Property, Plant & Equipment
66,096
63,933
72,194
92,530
Net Intangible Assets
224,585
258,270
304,064
357,807
Goodwill
1,231,128
1,226,026
1,226,026
1,226,026
Other Long-Term Assets
493,984
486,242
435,810
418,727
Total Assets
3,104,907
3,025,293
3,444,739
3,209,895
Accounts Payable
64,931
45,422
45,964
47,997
Accrued Expenses
56,142
55,567
53,892
45,289
Current Portion of Long-Term Debt
40,941
34,928
74,405
65,521
Unearned Revenue
73,637
75,419
59,580
58,303
Other Current Liabilities
469,992
391,292
803,408
641,732
Total Current Liabilities
705,643
602,628
1,037,249
858,842
Long-Term Debt
776,667
889,649
963,599
1,024,351
Leases
22,609
22,592
29,074
33,910
Other Long-Term Liabilities
80,910
86,097
90,520
99,605
Total Long-Term Liabilities
880,186
998,338
1,083,193
1,157,866
Total Liabilities
1,585,829
1,600,966
2,120,442
2,016,708
Common Stock
702
702
702
702
Treasury Stock
(964,752)
(784,914)
(674,896)
(665,771)
Additional Paid-in Capital
761,523
731,927
1,394,967
702,458
Accumulated Other Comprehensive Income
(103,138)
(121,473)
(109,470)
(117,660)
Retained Earnings
1,824,743
1,598,085
712,994
1,273,458
Total Common Shareholders' Equity
1,519,078
1,424,327
1,324,297
1,193,187
Total Shareholders' Equity
1,519,078
1,424,327
1,324,297
1,193,187
Total Liabilities and Shareholders' Equity
3,104,907
3,025,293
3,444,739
3,209,895
FY 2025
FY 2024
FY 2023
FY 2022
Net Income
226,658
203,118
121,509
142,177
Depreciation & Amortization
106,646
120,668
133,993
138,364
Share-Based Compensation Expense
70,633
41,281
24,547
29,753
Other Adjustments
(20,760)
(8,298)
2,159
(29,260)
Changes in Trade Receivables
(46,160)
(23,583)
(62,998)
(132,194)
Changes in Accounts Payable
11,318
(268)
(3,775)
7,730
Changes in Accrued Expenses
(726)
2,887
8,146
(3,161)
Changes in Unearned Revenue
(10,345)
11,886
2,705
(2,977)
Changes in Other Operating Activities
(14,433)
11,057
(57,769)
(7,051)
Cash from Operating Activities
322,831
358,748
168,517
143,381
Capital Expenditure
(12,907)
(15,402)
(8,924)
(13,103)
Purchases of Intangible Assets
(20,445)
(29,649)
(28,853)
(26,790)
Proceeds from Sale of Investments
46,021
—
—
—
Proceeds from Business Divestments
—
—
—
100,139
Other Investing Activities
(5,447)
—
—
—
Cash from Investing Activities
7,222
(45,051)
(37,777)
60,246
Issuance of Short-Term Debt
290,000
184,000
134,000
180,000
Repayments of Short-Term Debt
(160,000)
(238,000)
(115,000)
(75,000)
Net Issuance / (Repayments) of Short-Term Debt
130,000
(54,000)
19,000
105,000
Issuance of Long-Term Debt
200,000
500,000
—
—
Repayments of Long-Term Debt
(440,000)
(557,198)
(73,031)
(85,431)
Net Issuance / (Repayments) of Long-Term Debt
(240,000)
(57,198)
(73,031)
(85,431)
Issuance of Common Shares
11,315
9,247
9,545
8,165
Repurchases of Common Shares
(230,887)
(140,781)
(32,736)
(213,520)
Net Issuance / (Repurchases) of Common Shares
(219,572)
(131,534)
(23,191)
(205,355)
Other Financing Activities
(7,075)
(45,465)
(34,330)
14,726
Cash from Financing Activities
(336,647)
(288,197)
(111,552)
(171,060)
Effect of Exchange Rate Changes on Cash and Cash Equivalents
572
697
4,961
(2,037)
Increase / (Decrease) in Cash, Cash Equivalents and Restricted Cash