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ACI Worldwide, Inc. key statistics and ratios

In fiscal 2025, ACI Worldwide, Inc. had return on equity of 15.4% and a net margin of 12.9%. Each ratio below is calculated from the figures on its income statement, balance sheet and cash flow pages.

Financial ratios

US$ thousands unless shown otherwise. Fiscal years, plus the last twelve months (LTM) when newer.

Fiscal year2009Dec 20092010Dec 20102011Dec 20112012Dec 20122013Dec 20132014Dec 20142015Dec 20152016Dec 20162017Dec 20172018Dec 20182019Dec 20192020Dec 20202021Dec 20212022Dec 20222023Dec 20232024Dec 20242025Dec 2025LTMJun 2026
Net margin4.8%6.5%9.9%7.3%7.4%6.6%8.2%12.9%0.5%6.8%5.3%5.6%9.3%10.0%8.4%12.7%12.9%12.4%
Return on equity8.3%11.1%16.0%11.5%11.8%12.0%13.8%18.4%0.7%7.6%6.2%6.2%10.4%11.7%9.7%14.8%15.4%15.0%
Return on assets3.3%4.6%7.2%5.1%4.4%3.8%4.5%6.7%0.3%3.5%2.5%2.2%3.9%4.5%3.7%6.3%7.4%7.3%
Effective tax rate40.7%44.2%28.7%25.2%31.4%31.6%24.6%30.2%88.2%24.9%7.1%26.3%27.0%31.2%17.7%18.9%26.1%26.4%
R&D as % of revenue19.1%17.7%19.4%20.1%16.5%14.2%14.0%16.9%13.4%14.2%11.6%10.8%10.5%10.3%9.7%9.2%9.5%9.9%

Returns use average equity or assets over the year. Return on equity is left blank when equity is negative or so small that the ratio says nothing (above ±200%); interest cover is left blank above 200 times. Price-based ratios such as P/E are on the valuation page.

Financial health

5 of 7 checks passed · June 30, 2026
What it owns · $3.1bn
Short-term assets $1.1bnLonger-term assets $2.0bn
What it owes, and who funded it · $3.1bn
Short-term liabilities $723mLonger-term liabilities $875mShareholders' equity $1.5bn
  • Short-term assets cover short-term liabilities $1.1bn of assets due within a year against $723m of liabilities due within a year.
  • Short-term assets cover long-term liabilities $1.1bn short-term assets against $875m of longer-dated liabilities.
  • More cash than debt $167m of cash against $822m of debt.
  • Debt below 40% of shareholders' equity Debt is 55% of equity.
  • Debt burden no higher than five years ago Debt to equity moved from 82% to 55% over five years.
  • A year's operating cash flow covers at least 20% of debt $330m of operating cash flow against $822m of debt.
  • Operating profit covers interest at least five times over Operating income of $339m against $53m of interest.

From ACI Worldwide, Inc.'s latest balance sheet as filed. Checks are fixed, documented rules (methodology), counted only where the company reports the figures — a dot means the filing doesn't break the item out. Descriptions of reported data, not advice.

Moat

59 /100

Moderate moat

How hard ACI Worldwide's competitive advantage looks for rivals to wear away, judged from 10 years of its own filings: returns on capital, pricing power, profit durability, cash conversion and discipline.

  • Returns on capital 19 / 20

    Cash operating profit has been a median 14.1% of total assets over 10 years.

  • Pricing power 17 / 20

    Gross margin has been a median 51.1%, moving by 2.9 percentage points (standard deviation) across 10 years.

  • Durability 3 / 20

    Operating margin has been a median 11.7%; its worst year was -2.4%.

  • Cash conversion 17 / 20

    Free cash flow was positive in 10 of 10 years, at a median 13.7% of revenue.

  • Discipline 20 / 20

    The diluted share count fell 13.4% over five years; stock-based pay has been a median 2.3% of revenue.

AI disruption exposure: High. In this industry, the core product is information work that AI systems increasingly perform. The score above includes a 15-point deduction for that exposure (74 before it).

A rules-based reading of reported figures, not a forecast and not investment advice. How the score is built: methodology.

Compare with peers

Head to head: ACIW vs ESTCACIW vs IOTACIW vs PCTY

More: Application Software stocks compared, Technology sector, rankings of US companies

Figures from ACI Worldwide, Inc.'s SEC filings (10-K and 10-Q), retrieved October 20, 2026. How we read and check them: methodology and data sources. Not investment advice. Back to ACI Worldwide, Inc.