Quarter
Charts

ACI WORLDWIDE, INC.

ACIW

CIK 0000935036 · Quarterly mode · latest period FY2025 (Q4) (ending 2025-12-31) · sourced from SEC EDGAR

At a glance · FY2025 (Q4)

Revenue
$482M
↑+6.3% +$29Mvs FY2024 (Q4)
Operating Income
$109M
↓-11.0% -$13Mvs FY2024 (Q4)
Net Income
$64M
↓-34.7% -$34Mvs FY2024 (Q4)
Gross Profit
$255M
↑+0.9% +$2Mvs FY2024 (Q4)

Quality Score

Quality score

6-dimension fundamental snapshot · latest annual filed values · S&P 500 calibration

Average
46/100
  • Profitability
    27ROIC 10.4% (10% = solid, 20%+ = moat)
  • Liquidity
    52Current Ratio 1.54 (above 1.5 = solid)
  • Leverage
    73D/E 0.54 (under 0.5 = conservative)
  • Efficiency
    29Asset Turnover 0.57x (1.0+ = capital-efficient)
  • Growth
    38Revenue YoY +6.3% (10% = solid, 25%+ = elite)
  • Margin Trend
    54Op Margin 22.6% · trend +0.3pts (4Q avg vs prior 4Q)

Calibrated to S&P 500 medians. Each sub-score is computed from a single CFA-grade ratio (Profitability = ROIC, Liquidity = Current Ratio, Leverage = D/E, Efficiency = Asset Turnover, Growth = Revenue YoY, Margin Trend = 4Q operating-margin avg vs prior 4Q). Overall = simple mean.

DCF intrinsic value

DCF intrinsic value

two-stage Gordon model

Project ACIW's free cash flow forward, discount back at your hurdle rate, divide by diluted shares. Edit the assumptions to see how sensitive the intrinsic value is.

25%

Trailing 3-yr CAGR was 33.5%

10%

10% is a common all-equity benchmark for US large-caps

2.5%

Should be ≤ long-run GDP growth (~2.5% nominal)

5

5-year explicit projection + perpetuity terminal

Intrinsic value per share
$98.63
Total enterprise IV
$10.34B
Diluted shares
0.10B
Terminal PV
$8.03B (78% of total)
Year-5 FCF
$946M
YearProjected FCFDiscounted PV
+1$387M$352M
+2$484M$400M
+3$605M$455M
+4$757M$517M
+5$946M$587M
Terminal$12.93B$8.03B

DCF outputs are HIGHLY sensitive to growth + WACC assumptions. A 1pp WACC change can shift IV by 20%+. Use this as a sanity-check vs market price, not a target — and always cross-check the underlying FCF source (EDGAR cashflow statement, latest annual). Margin of safety convention: 30-50% discount to IV before buying.

Capital allocation · trailing 4 quarters

how the company spent its cash
Capex (TTM)
$13M
investment in PP&E
Stock buybacks (TTM)
$203M
share count reduction
Stock-based comp (TTM)
$71M
non-cash dilution

Balance sheet · 2025-12-31

latest filed snapshot
Total assets
$3.10B
everything owned
Total liabilities
$1.59B
everything owed
Stockholders' equity
$1.52B
shareholder claim
Net debt
$621M
LT debt minus cash

Recent performance · 67 quarters

Revenue↑+6.3% +$29M
$482M
Net Income↓-34.7% -$34M
$64M
Free Cash Flow↓-2.5% -$3M
$117M
Operating Margin↓-4.4pts
22.6%

Drill down

ACIW Sankey

See ACI WORLDWIDE, INC.'s revenue flow into every line item of the income statement and balance sheet — every dollar accounted for, with prior-period comparison.

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ACIW Charts

67 quarters of historical line items — Income, Cash Flow, Balance Sheet, plus margins. Click any chart for the trend dialog.

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ACIW Key Metrics

EPS, BVPS, FCF/Share, ROE, ROA, ROIC, D/E, Current Ratio, Quick Ratio, Asset Turnover — 10 CFA-grade fundamentals derived from EDGAR data.

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