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Software - Application · Technology · Fiscal year ends Dec 31
Aci Worldwide reported revenue of $1.8B in the fiscal year ended Dec 2025, up 10.4% from the year before. Operating income was $330M, an operating margin of 18.7%, and net income was $227M. Operating cash flow of $323M less capital expenditure of $13M left free cash flow of $310M. Net debt was $621M.
Ranks among the 83 software - application companies we cover (1st = best; for debt, the least indebted). Green = top third, red = bottom third.
Last 5 fiscal years
| Fiscal year | Dec 2021 | Dec 2022 | Dec 2023 | Dec 2024 | Dec 2025 |
|---|---|---|---|---|---|
| Revenue | 1,371 | 1,422 | 1,453 | 1,594 | 1,760 |
| Cost of revenue | 639 | 696 | 719 | 792 | 898 |
| Gross profit | 732 | 726 | 733 | 803 | 862 |
| Selling, general & admin | 250 | 249 | 250 | 237 | 268 |
| Operating income | 210 | 204 | 220 | 308 | 330 |
| Net interest incomeBanks | −33.5 | −40.6 | −64.3 | −56.5 | −43.0 |
| Interest expense | 45.1 | 53.2 | 78.5 | 72.5 | 57.8 |
| Pre-tax income | 175 | 207 | 148 | 250 | 307 |
| Income tax | 47.3 | 64.5 | 26.1 | 47.3 | 80.0 |
| Net income | 128 | 142 | 122 | 203 | 227 |
| Diluted EPS | 1.08 | 1.24 | 1.12 | 1.91 | 2.16 |
| Diluted shares | 119 | 114 | 109 | 106 | 105 |
| Fiscal year | Dec 2021 | Dec 2022 | Dec 2023 | Dec 2024 | Dec 2025 |
|---|---|---|---|---|---|
| Cash & equivalents | 122 | 125 | 164 | 216 | 196 |
| Receivables | 320 | 404 | 452 | 414 | 446 |
| Current assets | 937 | 1,115 | 1,407 | 991 | 1,089 |
| Net PP&E | 63.1 | 52.5 | 37.9 | 35.1 | 37.4 |
| Goodwill | 1,280 | 1,226 | 1,226 | 1,226 | 1,231 |
| Total assets | 3,159 | 3,210 | 3,445 | 3,025 | 3,105 |
| Payables | 41.3 | 48.0 | 46.0 | 45.4 | 64.9 |
| Deferred revenue | 84.4 | 58.3 | 59.6 | 75.4 | 73.6 |
| Current liabilities | 754 | 859 | 1,037 | 603 | 706 |
| Short-term debt | 45.9 | 65.5 | 74.4 | 34.9 | 40.9 |
| Long-term debt | 1,020 | 1,024 | 964 | 890 | 777 |
| Total liabilities | 1,914 | 2,017 | 2,120 | 1,601 | 1,586 |
| Shareholders' equity | 1,245 | 1,193 | 1,324 | 1,424 | 1,519 |
| Backlog (remaining obligations) | 818 | 664 | 666 | 732 | 689 |
| Fiscal year | Dec 2021 | Dec 2022 | Dec 2023 | Dec 2024 | Dec 2025 |
|---|---|---|---|---|---|
| Operating cash flow | 220 | 143 | 169 | 359 | 323 |
| Capital expenditure | 20.6 | 13.1 | 8.9 | 15.4 | 12.9 |
| Free cash flow | 200 | 130 | 160 | 343 | 310 |
| Depreciation & amortisation | 133 | 127 | 122 | 111 | 96.9 |
| Stock-based compensation | 27.2 | 29.8 | 24.5 | 41.3 | 70.6 |
| Acquisitions | 0.0 | – | – | – | – |
| Share buybacks | 107 | 207 | 27.6 | 128 | 203 |
| Fiscal year | Dec 2021 | Dec 2022 | Dec 2023 | Dec 2024 | Dec 2025 |
|---|---|---|---|---|---|
| Revenue growth (YoY) | – | 3.7% | 2.2% | 9.8% | 10.4% |
| Operating income growth (YoY) | – | −2.9% | 8.1% | 39.8% | 7.1% |
| EPS growth (YoY) | – | 14.8% | −9.7% | 70.5% | 13.1% |
| Gross margin | 53.4% | 51.0% | 50.5% | 50.3% | 49.0% |
| Operating margin | 15.3% | 14.3% | 15.2% | 19.3% | 18.7% |
| Net margin | 9.3% | 10.0% | 8.4% | 12.7% | 12.9% |
| Return on equityBlank when equity is negative | 10.3% | 11.9% | 9.2% | 14.3% | 14.9% |
| ROCEEBIT ÷ (assets − current liabilities) | 8.7% | 8.7% | 9.2% | 12.7% | 13.8% |
| Free cash flow margin | 14.6% | 9.2% | 11.0% | 21.5% | 17.6% |
| Cash conversion (CFO ÷ net income) | 1.73x | 1.01x | 1.39x | 1.77x | 1.42x |
| Receivable days | 85 | 104 | 114 | 95 | 92 |
| Payable days | 24 | 25 | 23 | 21 | 26 |
| Interest cover | 4.66x | 3.83x | 2.81x | 4.25x | 5.70x |
| Debt ÷ equity | 0.86x | 0.91x | 0.78x | 0.65x | 0.54x |
| Net debtDebt − cash & equivalents; excludes investments; negative = net cash | 944 | 965 | 874 | 708 | 621 |
| Current ratio | 1.24x | 1.30x | 1.36x | 1.64x | 1.54x |
Standardised figures from the company's XBRL filings with the SEC (10-K, 10-Q). Line items follow US GAAP tags, so a company's own statement layout may differ and some lines show “–” where the company does not report that item. Ratios are calculated from these figures. For education only; not investment advice or a recommendation.