ACI WORLDWIDE, INC.

ACIW

ACI WORLDWIDE, INC.

ACIW

Insider Sentiment (TTM):

Last Purchase:2026-03-03Last Sale:2025-11-10Shares Purchased (TTM):5,400Shares Sold (TTM):4,210

Institutional Sentiment:

As of:2026-03-31Institutional Shares Owned:97,277,019Shares Outstanding:101,922,000Institutional Ownership Pct.:95.44%

Earnings Market Reaction:

Filing Date:2026-05-07Price on Filing Date:N/APrevious Close:N/A% Change:N/A

Companies in Services-Prepackaged Software

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Financial Statements

10‑Q10‑K

Values in Millions ($)	2026-03-31	2025-12-31	2025-09-30	2025-06-30	2025-03-31	2024-12-31	2024-09-30	2024-06-30	2024-03-31	2023-12-31	2023-09-30	2023-06-30
Assets
Assets Current
Cash And Cash Equivalents At Carrying Value	162	196	199	190	230	216	178	157	183	164	140	132
Accounts Receivable Net Current	457	446	461	398	386	414	425	369	345	452	371	350
Settlement Assets Current	461	397	446	499	543	319	428	793	701	723	649	453
Prepaid Expense Current	36	30	33	37	36	29	32	30	34	31	32	36
Other Assets Current	18	20	24	21	13	12	23	32	35	36	35	57
Assets Current	1,133	1,089	1,164	1,145	1,209	991	1,086	1,381	1,299	1,407	1,227	1,029
Assets Noncurrent
Accounts Receivable Net Noncurrent	369	392	363	346	354	360	339	290	290	314	279	269
Property Plant And Equipment Net	38	37	33	33	34	35	31	35	37	38	41	45
Operating Lease Right Of Use Asset	27	29	29	29	26	29	29	31	33	34	34	35
Capitalized Computer Software Net	72	78	80	89	84	93	90	100	112	108	105	114
Goodwill	1,231	1,231	1,226	1,226	1,226	1,226	1,226	1,226	1,226	1,226	1,226	1,226
Finite Lived Intangible Assets Net	141	147	151	157	161	165	172	179	187	196	203	212
Deferred Income Tax Assets Net	66	73	84	81	77	73	65	61	56	58	75	74
Other Assets Noncurrent	28	29	31	34	33	53	54	61	60	63	64	65
Assets	3,105	3,105	3,161	3,138	3,203	3,025	3,093	3,365	3,300	3,445	3,255	3,069
Liabilities And Stockhold…
Liabilities
Liabilities Current
Accounts Payable Current	62	65	55	58	53	45	48	49	44	46	41	48
Settlement Liabilities Current	460	396	446	499	542	317	428	792	700	721	649	453
Employee Related Liabilities Current	32	56	47	41	31	56	43	33	27	54	42	41
Long Term Debt Current	41	41	41	41	35	35	35	35	35	74	74	74
Contract With Customer Liability Current	79	74	65	72	72	75	69	73	77	60	61	69
Other Liabilities Current	66	74	83	65	72	74	75	62	66	82	78	96
Liabilities Current	739	706	737	775	805	603	697	1,044	949	1,037	946	782
Liabilities Noncurrent
Contract With Customer Liability Noncurrent	13	14	15	18	18	19	19	19	20	25	23	25
Long Term Debt Noncurrent	766	777	827	857	811	890	959	973	982	964	987	992
Deferred Income Tax Liabilities Net	38	39	50	42	41	40	38	41	39	41	34	37
Operating Lease Liability Noncurrent	21	23	23	24	21	23	24	25	27	29	29	29
Other Liabilities Noncurrent	27	29	30	30	25	27	25	25	26	25	25	31
Liabilities	1,604	1,586	1,682	1,745	1,721	1,601	1,763	2,128	2,043	2,120	2,044	1,896
Stockholders Equity
Preferred Stock Value	0	0	0	0	0	0	0	0	0	0	0	0
Common Stock Value	1	1	1	1	1	1	1	1	1	1	1	1
Additional Paid In Capital Common Stock	772	762	745	734	736	732	726	719	715	713	709	704
Retained Earnings Accumulated Deficit	1,863	1,825	1,760	1,669	1,657	1,598	1,500	1,418	1,387	1,395	1,272	1,234
Treasury Stock Value	-	-	-	-	-	-	-	-	-	-	-	-656
Treasury Stock Common Value	-1,027	-965	-924	-911	-797	-785	-791	-787	-734	-675	-653	-
Accumulated Other Comprehensive Income Loss Net Of…	-108	-103	-103	-99	-114	-121	-105	-114	-112	-109	-117	-111
Stockholders Equity	1,501	1,519	1,479	1,393	1,483	1,424	1,330	1,237	1,257	1,324	1,211	1,173
Liabilities And Stockholders Equity	3,105	3,105	3,161	3,138	3,203	3,025	3,093	3,365	3,300	3,445	3,255	3,069
Allowance For Doubtful Accounts Receivable Current	1	1	2	2	2	2	2	1	3	4	5	3
Preferred Stock Par Or Stated Value Per Share	0.01	0.01	0.01	0.01	0.01	0.01	0.01	0.01	0.01	0.01	0.01	0.01
Preferred Stock Shares Authorized	5	5	5	5	5	5	5	5	5	5	5	5
Preferred Stock Shares Issued	0	0	0	0	0	0	0	0	0	0	0	0
Common Stock Par Or Stated Value Per Share	0.005	0.005	0.005	0.005	0.005	0.005	0.005	0.005	0.005	0.005	0.005	0.005
Common Stock Shares Authorized	280	280	280	280	280	280	280	280	280	280	280	280
Common Stock Shares Issued	141	141	141	141	141	141	141	141	141	141	141	141
Treasury Stock Common Shares	39	38	37	37	35	35	36	36	34	32	32	32

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Earnings Market Reaction

10‑Q10‑K

Fiscal Year	Q1 1 Month	Q1 2 Month	Q1 3 Month	Q2 1 Month	Q2 2 Month	Q2 3 Month	Q3 1 Month	Q3 2 Month	Q3 3 Month	Q4 1 Month	Q4 2 Month	Q4 3 Month
2026	-6.39%	5.59%	20.71%	-	-	-	-	-	-	-	-	-
2025	-4.54%	-6.13%	-7.55%	12.83%	19.48%	15.23%	-7.45%	-3.75%	-13.04%	-0.90%	11.73%	4.67%
2024	3.87%	8.91%	21.52%	8.15%	10.01%	10.73%	-4.02%	-12.33%	-11.84%	-2.61%	-6.48%	-10.28%
2023	-	-	-	-2.27%	-2.06%	-11.09%	13.85%	31.61%	30.31%	-2.67%	-2.92%	13.95%
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Performance and Valuation Metrics

Metrics	2026-03-31	2025-12-31	2025-09-30	2025-06-30	2025-03-31	2024-12-31	2024-09-30	2024-06-30	2024-03-31	2023-12-31	2023-09-30	2023-06-30
Liquidity Ratios
Current Ratio	1.53	1.54	1.58	1.48	1.50	1.64	1.56	1.32	1.37	1.36	1.30	1.32
Quick Ratio	1.48	1.50	1.53	1.43	1.46	1.60	1.51	1.29	1.33	1.33	1.26	1.27
Working Capital	393.63M	383.47M	426.44M	370.13M	404.19M	388.19M	388.31M	337.09M	349.78M	369.40M	281.08M	246.64M
Leverage & Debt
Debt to Equity	1.07	1.04	1.14	1.25	1.16	1.12	1.33	1.72	1.63	1.60	1.69	1.62
Interest Coverage TTM	5.94	5.70	5.66	5.27	5.24	4.25	4.73	3.86	3.24	2.81	2.62	1.99
Debt Ratio	0.52	0.51	0.53	0.56	0.54	0.53	0.57	0.63	0.62	0.62	0.63	0.62
Efficiency & Turnover
Asset Turnover TTM	0.57	0.57	0.55	0.52	0.51	0.49	0.51	0.48	0.47	0.44	0.44	0.44
Days Sales Outstanding TTM	85.89	89.21	93.30	82.35	79.77	99.22	89.71	85.85	84.89	107.56	86.03	90.09
Receivables Turnover TTM	4.25	4.09	3.91	4.43	4.58	3.68	4.07	4.25	4.30	3.39	4.24	4.05
Per Share Metrics
Diluted EPS TTM	2.00	2.16	2.51	2.39	2.53	1.91	2.14	1.73	1.37	1.12	0.82	0.69
Free Cash Flow Per Share TTM	2.90	2.98	3.03	2.81	2.84	3.25	2.95	2.66	2.26	1.47	1.02	1.10
Dividend Per Share TTM	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00
Margin Metrics
Gross Profit Margin TTM	49.04%	48.99%	49.67%	50.28%	51.34%	50.34%	52.20%	50.71%	50.52%	50.49%	49.84%	48.20%
Operating Profit Margin TTM	18.36%	18.75%	19.83%	19.89%	21.35%	19.33%	22.14%	19.46%	17.20%	15.17%	13.75%	10.05%
Net Profit Margin TTM	11.51%	12.88%	15.07%	14.76%	16.12%	12.74%	14.04%	12.01%	9.88%	8.37%	6.24%	5.42%
Growth Metrics
Net Revenue Growth (1Y)	7.06%	10.38%	7.01%	11.22%	13.11%	9.76%	13.31%	11.50%	6.51%	2.16%	47.18%	39.88%
Net Income Growth (1Y)	-23.60%	11.59%	14.83%	36.69%	84.67%	67.16%	154.91%	147.10%	54.77%	-14.54%	-44.79%	-51.12%
EPS Growth (1Y)	-21.03%	13.24%	16.53%	38.03%	87.21%	71.93%	164.39%	154.28%	56.73%	-10.44%	-42.18%	-48.32%
Valuation Metrics
P/E TTM	20.28	21.93	20.88	19.09	21.37	26.96	23.47	22.72	24.28	27.32	27.51	33.81
P/B TTM	2.79	3.27	3.68	3.44	3.89	3.84	4.01	3.37	2.82	2.51	2.02	2.14
P/S TTM	2.33	2.82	3.15	2.82	3.45	3.43	3.30	2.73	2.40	2.29	1.72	1.83
Market Cap	4.18B	4.97B	5.45B	4.79B	5.76B	5.48B	5.33B	4.17B	3.55B	3.32B	2.45B	2.51B
Enterprise Value	4.75B	5.53B	6.06B	5.39B	6.24B	6.14B	6.06B	4.96B	4.33B	4.12B	3.29B	3.38B
Calculated Values
Free Cash Flow TTM	295.12M	309.92M	312.87M	293.73M	299.36M	343.35M	308.58M	279.97M	241.82M	159.59M	111.25M	119.10M
Net Debt	565.27M	558.61M	614.41M	599.07M	479.08M	659.56M	725.63M	783.90M	778.63M	799.18M	838.04M	869.30M
Per-Share and Margin
EPS TTM
Adjusted EPS TTM
Cash Flow Per Share TTM
Pretax Margin TTM
Stock Comp to Revenue TTM
Turnover Ratios and Averages
Average Assets
Average Equity
Average Inventory
Average Receivables
Average Accounts Payables
Inventory Turnover TTM
Payables Turnover TTM
Days Inventory Outstanding TTM
Days Payables Outstanding TTM
Cash Conversion Cycle TTM
Working Capital to Revenue
Deferred Revenue to Revenue
Growth Rates
Total Assets Growth (1Y)
Total Assets Growth (3Y)
Total Assets Growth (5Y)
Dividends Paid Growth (1Y)
Dividends Paid Growth (3Y)
Dividends Paid Growth (5Y)
EPS Growth (3Y)
EPS Growth (5Y)
Net Income Growth (3Y)
Net Income Growth (5Y)
Net Profit Margin Growth (1Y)
Net Profit Margin Growth (3Y)
Net Profit Margin Growth (5Y)
Net Revenue Growth (3Y)
Net Revenue Growth (5Y)
Deferred Revenue Growth (1Y)
Retained Earnings Growth (1Y)
Credit, Liquidity, Returns, Payout
Cash Ratio
Net Working Capital
Debt to EBITDA TTM
Net Debt to EBITDA TTM
Net Debt to Equity
Altman A
Altman B
Altman C
Altman D
Altman E
Altman Z-Score
ROA TTM
ROE TTM
NOPAT TTM
ROIC TTM
Effective Tax Rate TTM
Payout Ratio TTM
Dilution Ratio
Retained Earnings to Equity
Treasury Stock to Equity
Treasury Stock Change (1Y)
Accrued to Current Liabilities
Valuation Ratios
P/CF TTM
Dividend Yield TTM
Free Cash Flow Yield TTM
EV EBITDA TTM
EV EBIT TTM
Stock Compensation TTM
Adjusted Net Income TTM
Billings TTM
Total Debt
Invested Capital

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Insider Transactions

2026-03-03Purchase

Owner: Benitez, Juan Ii

Title: -

Shares: 2,400

Price/Share: $41.90

Value: $100,560.00

Shares Owned: 16,881

Relationship: Director

Ownership: Direct

2026-03-02Purchase

Owner: Sanchez, Adalio T

Title: -

Shares: 3,000

Price/Share: $40.98

Value: $122,940.00

Shares Owned: 64,378

Relationship: Director

Ownership: Direct

2025-11-10Sale

Owner: Kuruvilla, Abraham

Title: Chief Technology Officer

Shares: 4,210

Price/Share: $47.69

Value: $200,774.90

Shares Owned: 96,897

Relationship: Officer

Ownership: Direct

2025-06-18Sale

Owner: Estep, Janet O

Title: -

Shares: 4,500

Price/Share: $44.66

Value: $200,970.00

Shares Owned: 77,631

Relationship: Director

Ownership: Direct

2025-06-10Sale

Owner: Harman, Mary P

Title: -

Shares: 7,194

Price/Share: $47.48

Value: $341,571.12

Shares Owned: 34,388

Relationship: Director

Ownership: Direct

Filed Date	Owner	Relationship	Title	Ownership	Purchase/Sale	No. Shares	Price Per Share	Value	Shares Owned	Document Type
2026-03-03	Benitez, Juan Ii	Director	-	Direct	Purchase	2,400	41.90	$100,560.00	16,881	4
2026-03-02	Sanchez, Adalio T	Director	-	Direct	Purchase	3,000	40.98	$122,940.00	64,378	4
2025-11-10	Kuruvilla, Abraham	Officer	Chief Technology Officer	Direct	Sale	4,210	47.69	$200,774.90	96,897	4
2025-06-18	Estep, Janet O	Director	-	Direct	Sale	4,500	44.66	$200,970.00	77,631	4
2025-06-10	Harman, Mary P	Director	-	Direct	Sale	7,194	47.48	$341,571.12	34,388	4
2025-05-12	Warsop, Thomas W Iii	Director,Officer	Director, President and CEO	Direct	Purchase	5,000	48.57	$242,850.00	326,922	4
2025-03-03	Peters, Charles E Jr	Director	-	Direct	Sale	12,940	57.57	$744,955.80	80,842	4
2024-12-11	Behrens, Scott W	Officer	Chief Financial Officer	Direct	Sale	60,749	55.69	$3,383,111.81	487,235	4
2024-12-06	Kuruvilla, Abraham	Officer	Chief Technology Officer	Direct	Sale	5,400	55.71	$300,834.00	81,107	4
2024-11-13	Sanchez, Adalio T	Director	-	Direct	Sale	1,200	57.29	$68,748.00	43,272	4
2024-05-31	Hale, James C Iii	Director	-	Direct	Sale	10,000	35.52	$355,200.00	69,912	4
2023-12-04	Silva, Alessandro	Officer	Chief Revenue Officer	Direct	Sale	17,817	27.72	$493,887.24	52,062	4
2023-12-01	Behrens, Scott W	Officer	Chief Financial Officer	Direct	Sale	35,003	26.94	$942,980.82	430,165	4
2023-08-08	Guerra, Deborah L	Officer	Chief Product Officer	Direct	Sale	3,426	23.22	$79,551.72	51,724	4
2023-06-07	Warsop, Thomas W Iii	Director,Officer	Director, President and CEO	Direct	Purchase	3,333	24.16	$80,525.28	178,307	4
2023-06-05	Guerra, Deborah L	Officer	Chief Product Officer	Direct	Sale	7,939	23.09	$183,311.51	55,002	4
2023-05-17	Puppala, Ram Kumar	Officer	Chief Technology Officer	Direct	Sale	14,070	24.25	$341,197.50	31,297	4
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Institutional Ownership

No data available for chart

2026-03-31

95.44%

Inst. Shares: 97,277,019

Shares Outstanding: 101,922,000

2025-12-31

94.66%

Inst. Shares: 98,409,803

Shares Outstanding: 103,956,000

2025-09-30

93.69%

Inst. Shares: 96,733,962

Shares Outstanding: 103,245,000

2025-06-30

93.22%

Inst. Shares: 97,303,676

Shares Outstanding: 104,376,000

2025-03-31

92.68%

Inst. Shares: 97,643,624

Shares Outstanding: 105,350,000

Date	Institutional Shares Owned	Shares Outstanding	Institutional Ownership %
2026-03-31	97,277,019	101,922,000	95.44%
2025-12-31	98,409,803	103,956,000	94.66%
2025-09-30	96,733,962	103,245,000	93.69%
2025-06-30	97,303,676	104,376,000	93.22%
2025-03-31	97,643,624	105,350,000	92.68%
2024-12-31	98,468,256	105,491,000	93.34%
2024-09-30	95,878,925	104,770,000	91.51%
2024-06-30	98,796,179	105,395,000	93.74%
2024-03-31	99,742,810	106,799,000	93.39%
2023-12-31	104,029,583	108,497,000	95.88%
2023-09-30	99,915,925	108,667,000	91.95%
2023-06-30	98,471,190	108,455,000	90.79%
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ACI WORLDWIDE, INC. (ACIW) — SEC Financial Statements & Analysis

ACI WORLDWIDE, INC. (ACIW) is a services-prepackaged software company, incorporated in DE. ACI WORLDWIDE, INC. trades on Nasdaq as: ACIW. Based on its latest SEC filing (Form 10-Q, period ending 2026-03-31), ACI WORLDWIDE, INC. reported a 7.06% year-over-year revenue growth, a Gross Profit Margin of 49.04% (TTM), a Debt-to-Equity ratio of 1.07x, a Price-to-Sales (P/S) ratio of 2.33x (TTM), a Price-to-Book (P/B) ratio of 2.79 (TTM), at a market cap of $4.18B. Figures below are sourced from SEC EDGAR, as-filed.

Net Revenue TTM Growth 1Y: 7.06%
Gross Profit Margin TTM: 49.04%
Debt To Equity: 1.07x
P/S TTM: 2.33x
P/B TTM: 2.79
Market Cap: $4.18B

Data as of 2026-03-31 · Source: SEC EDGAR

Frequently Asked Questions

What industry is ACI WORLDWIDE, INC. in?

ACI WORLDWIDE, INC. (ACIW) operates in the Services-Prepackaged Software industry.

What is ACIW's market cap?

ACI WORLDWIDE, INC. (ACIW) has a market capitalization of $4.18B as of 2026-03-31.

What is ACIW's P/E ratio?

ACI WORLDWIDE, INC. (ACIW)'s trailing twelve month P/E ratio is 20.28x as of 2026-03-31.

What exchange does ACIW trade on?

ACI WORLDWIDE, INC. (ACIW) trades on the Nasdaq.

Where is ACI WORLDWIDE, INC. incorporated?

ACI WORLDWIDE, INC. is incorporated in DE.

ACI WORLDWIDE, INC. (ACIW) — SEC Financial Statements & Analysis

Frequently Asked Questions

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