ACIW ACI WORLDWIDE, INC.

Overview and Growth

In fiscal 2025, ACI WORLDWIDE, INC. recorded $1.76B of revenue, net income of $226.66M, and an operating cash inflow of $322.83M. Revenue of $1.76B sets the scale for evaluating how effectively sales translated into profit and cash during the year. Revenue was 10.4% above fiscal 2024 revenue of $1.59B, marking a year-over-year increase. Diluted earnings per share were $2.16, translating the period’s attributable earnings into the amount reported for each diluted share. Diluted EPS increased by 13.1% from $1.91 in fiscal 2024, showing how the earnings change reached shareholders on a per-share basis.

Profitability

Gross profit was $862.13M, representing the portion of revenue remaining after the reported cost of revenue and before operating expenses. The gross-profit relationship equaled 49.0% of revenue, quantifying the portion retained before operating expenses were recognized. Operations produced $329.91M of income after the reported operating expense base, before the remaining non-operating and tax effects. The operating result equaled 18.7% of revenue, placing the absolute operating-income figure in the context of the company’s sales base. The bottom-line result was net income of $226.66M, after the operating, financing, tax, and other items recognized for the period. Net margin was 12.9%, meaning that this portion of revenue remained as net income after all recognized expenses. Pretax income was $306.67M, isolating the reported earnings outcome before the income-tax provision recognized for the fiscal year. Measured against revenue, pretax income equaled 17.4%, adding a pre-tax profitability layer between revenue and net income. The reported income-tax provision was $80.01M, the amount recognized between pretax income and the final net-income result. The effective relationship between income tax and positive pretax income was 26.1%, without assuming a statutory-rate comparison.

Liquidity and Capital Structure

The company held $3.10B of assets against $1.59B of liabilities and $1.52B of equity, revealing how the asset base was financed. The near-term balance sheet paired $1.09B of current assets with $705.64M of current liabilities at the reporting date. The current ratio was 1.54x, with current assets exceeding current liabilities and providing a short-term liquidity cushion. Reported cash and equivalents were $196.46M, separating immediately recognizable cash resources from the rest of the current-asset base. Measured only with cash and equivalents, coverage of current liabilities was 27.8%, excluding receivables and other current assets. The company carried $817.61M of total debt at period end, which frames its leverage and debt-service burden. Debt equaled 0.54x of book equity, describing the relative scale of borrowing and shareholder capital. Relative to total assets, debt measured 26.3%, showing how much of the asset base was matched by borrowing. Relative to total assets, liabilities measured 51.1%, complementing the separate equity-based view of the company’s capital structure. Cash and equivalents equaled 6.3% of total assets, showing the liquid cash component within the company’s broader resource base.

Cash Flow and Earnings Quality

Operating activities produced a cash inflow of $322.83M, giving the cash-flow counterpart to the accrual-based profit measures reported for the year. The operating-cash-flow-to-net-income relationship was 1.42x, comparing cash generated by operations with the bottom-line earnings result. The cash-flow statement records $12.91M of capital expenditures, the investment amount considered after operating cash generation. Capital spending absorbed 4.0% of operating cash flow, quantifying the share of cash from operations directed to investment. The combination of operating cash flow and capital spending produced $309.92M of positive free cash flow for the period. The free-cash-flow margin was 17.6%, measuring cash remaining after capital spending against revenue. Measured against total assets, free cash flow represented 10.0%, showing the cash productivity of the company’s assets.

Based on the annual report for the fiscal year ending Dec 31, 2025. Analysis generated Oct 21, 2026.