ACIW Financials Aci Worldwide, Inc.

15 years of revenue, profit, cash flow and balance-sheet history through FY2025, from SEC filings — with a computed, factual read of the trend. Updated Aug 9, 2026, 10:16 UTC Overview →

Growth & profitability

Revenue has grown 6.3% per year over the past 5 years.
Net income has grown faster than revenue (25.5% vs 6.3% per year).
Operating margin has expanded, at 18.7% in the latest year.
Free cash flow has grown 0.8% per year over the past 5 years.

Financial health

Total debt ($818M) exceeds cash ($196M); net debt is $621M.
Total debt has grown slower than revenue (-6.7% vs 6.3% per year).
Operating income covered interest expense 5.7× in the latest year.
Total debt is 1.9× EBITDA.

Revenue & net income

RevenueNet income

Margins (gross / operating / net)

GrossOperatingNet

Return on equity & assets (ROE / ROA)

ROEROA

Free cash flow (CFO − capex)

Free cash flow

Cash vs total debt

CashTotal debt

Cash flow: operating / investing / financing

OperatingInvestingFinancing

Key annual figures

FY	Revenue	Net income	Gross M	Op M	ROE	ROA	FCF	Total debt	Cash
2025	$1.8B	$227M	49.0%	18.7%	14.9%	7.3%	$310M	$818M	$196M
2024	$1.6B	$203M	50.3%	19.3%	14.3%	6.7%	$343M	$925M	$216M
2023	$1.5B	$122M	50.5%	15.2%	9.2%	3.5%	$160M	$1.0B	$164M
2022	$1.4B	$142M	51.0%	14.3%	11.9%	4.4%	$130M	$1.1B	$125M
2021	$1.4B	$128M	53.4%	15.3%	10.3%	4.0%	$200M	$1.1B	$122M
2020	$1.3B	$73M	51.9%	11.2%	6.0%	2.1%	$297M	$1.2B	$165M
2019	$1.3B	$67M	50.9%	9.8%	5.9%	2.1%	$110M	$1.4B	$121M
2018	$1.0B	$69M	57.4%	12.5%	6.6%	3.2%	$166M	$672M	$149M
2017	$1.0B	$5M	55.8%	8.3%	0.7%	0.3%	$120M	$686M	$70M
2016	—	$130M	—	—	17.2%	6.8%	$59M	$744M	$76M
2015	—	$85M	—	—	13.1%	4.3%	—	$924M	$102M
2014	—	$68M	—	—	11.6%	3.7%	—	$892M	$77M
2013	—	$64M	—	—	11.7%	3.8%	$117M	$755M	$95M
2012	—	$49M	—	—	9.1%	3.9%	-$22M	$374M	$76M
2011	—	$46M	—	—	14.4%	6.9%	$73M	—	$197M

Revenue & net income

RevenueNet income

Margins (gross / operating / net)

GrossOperatingNet

Return on equity & assets (ROE / ROA)

ROEROA

Free cash flow (CFO − capex, quarterly)

Free cash flow

Cash vs total debt

CashTotal debt

Cash flow: operating / investing / financing

OperatingInvestingFinancing

Key quarterly figures

Quarter	Revenue	Net income	Gross M	Op M	ROE	ROA	FCF	Total debt	Cash
Jun '26	$430M	$32M	42.2%	10.4%	2.1%	1.0%	$64M	$822M	$167M
Mar '26	$426M	$38M	46.3%	13.5%	2.6%	1.2%	$61M	$807M	$162M
Dec '25	$482M	$64M	53.0%	22.6%	4.2%	2.1%	$117M	$818M	$196M
Sep '25	$482M	$91M	53.7%	26.5%	6.2%	2.9%	$70M	$868M	$199M
Jun '25	$401M	$12M	41.5%	8.7%	0.9%	0.4%	$48M	$898M	$190M
Mar '25	$395M	$59M	45.9%	14.8%	4.0%	1.8%	$76M	$846M	$230M
Dec '24	$453M	$99M	55.8%	27.0%	6.9%	3.3%	$120M	$925M	$216M
Sep '24	$452M	$81M	56.3%	27.1%	6.1%	2.6%	$50M	$994M	$178M
Jun '24	$373M	$31M	45.6%	14.4%	2.5%	0.9%	$53M	$1.0B	$157M
Mar '24	$316M	-$8M	39.5%	3.0%	-0.6%	-0.2%	$120M	$1.0B	$183M
Dec '23	$477M	$123M	61.9%	36.2%	9.3%	3.6%	$85M	$1.0B	$164M
Sep '23	$363M	$38M	51.1%	17.1%	3.1%	1.2%	$22M	$1.1B	$140M
Jun '23	$323M	-$7M	43.9%	3.3%	-0.6%	-0.2%	$15M	$1.1B	$132M
Mar '23	$290M	-$32M	38.4%	-8.4%	-2.8%	-1.1%	$38M	$1.1B	$142M
Dec '22	$452M	$90M	60.4%	32.8%	7.6%	2.8%	$36M	$1.1B	$125M
Sep '22	$307M	$23M	44.0%	1.1%	1.9%	0.7%	$30M	$1.0B	$135M
Jun '22	$340M	$13M	47.3%	7.2%	1.1%	0.4%	$38M	$1.1B	$119M
Mar '22	$323M	$15M	48.5%	8.6%	1.3%	0.5%	$27M	$1.1B	$115M
Dec '21	$467M	$109M	65.3%	34.9%	8.8%	3.5%	$68M	$1.1B	$122M
Sep '21	$317M	$14M	49.9%	8.8%	1.2%	0.4%	$35M	$1.1B	$141M

Valuation over time

How the market has priced ACIW against its own fundamentals since 2023-03 — each month-end's share price set against the most recent annual filing, so the multiple moves as price runs ahead of (or behind) earnings. Split-adjusted.

The price-to-earnings ratio has risen from 19.2× (Mar '23) to 26.0× (Nov '26).
The price-to-sales ratio has risen from 1.9× (Mar '23) to 3.4× (Nov '26).

Price / earnings (P/E)

P/E

Price / sales (P/S)

P/S

Frequently asked questions

Is ACIW growing its revenue and profit?

Over the past 5 years, Aci Worldwide, Inc.'s revenue has grown 6.3% per year, and net income grown 25.5% per year. These are computed facts, not advice.

How much debt does ACIW have?

As of FY2025, Aci Worldwide, Inc. reported $818M of total debt against $196M of cash; operating income covered interest expense 5.7×.

What is ACIW's profit margin?

In FY2025, gross margin was 49.0%, operating margin 18.7%, and net margin 12.9%.

What is ACIW's P/E ratio?

Aci Worldwide, Inc.'s P/E (TTM) is 26.13 as of the 2026-11-02 close — market cap ÷ net income over the trailing twelve months where four consecutive quarters are reported, otherwise the latest fiscal year, the same figure as on the ACIW stock page. The valuation chart above sets each month-end's price against the latest annual net income instead, so its latest point (about 26.0× as of Nov '26) can differ. These are computed facts, not advice.

Where does this data come from?

All figures are extracted from the company’s SEC EDGAR/XBRL filings — 10-K annual reports and 10-Q quarterly reports (use the Annual / Quarterly toggle). Quarterly figures are derived from the as-filed statements (year-to-date amounts are differenced into discrete quarters). Growth rates and ratios are computed by tradmap; nothing here is investment advice.

Source: SEC EDGAR / XBRL (10-K + 10-Q filings) · prices EOD (Databento), split-adjusted; price return — dividends not reinvested · growth rates, valuation multiples & ratios computed by tradmap. Valuation uses each month-end price against the latest annual filing. Informational only — not investment advice.