ACIW - ACI WORLDWIDE, INC.

📈 Is growth accelerating? 7 metrics

Metric	FY 2025 Dec 31, 2025 10-K ↗	FY 2024 Dec 31, 2024 10-K ↗	FY 2023 Dec 31, 2023 10-K ↗	FY 2022 Dec 31, 2022 10-K ↗	FY 2021 Dec 31, 2021 10-K ↗	FY 2020 Dec 31, 2020 10-K ↗	FY 2019 Dec 31, 2019 10-K ↗	FY 2018 Dec 31, 2018 10-K ↗	FY 2017 Dec 31, 2017 10-K ↗	FY 2016 Dec 31, 2016 10-K ↗	FY 2015 Dec 31, 2015 10-K ↗	FY 2014 Dec 31, 2014 10-K ↗	FY 2013 Dec 31, 2013 10-K ↗	FY 2012 Dec 31, 2012 10-K ↗	FY 2011 Dec 31, 2011 10-K ↗	FY 2010 Dec 31, 2010 10-K ↗	FY 2009 Dec 31, 2009 10-K ↗	FY 2008 Dec 31, 2008 10-K ↗	FY 2007 Dec 31, 2007 10-K ↗
Revenue Growth YoY (%)	10.4% Good ↑ Good Improving Year-over-year change in total revenue Optimal: > 10% vs Sector: Below avg (-13%)	9.8% Fair ↑ Fair Improving Year-over-year change in total revenue Optimal: > 10% vs Sector: Below avg (-19%)	2.2% Caution ↓ Caution Declining Year-over-year change in total revenue Optimal: > 10% vs Sector: Below avg (-82%)	3.7% Caution ↓ Caution Declining Year-over-year change in total revenue Optimal: > 10% vs Sector: Below avg (-69%)	5.9% Fair ↓ Fair Declining Year-over-year change in total revenue Optimal: > 10% vs Sector: Below avg (-51%)	2.9% Caution ↓ Caution Declining Year-over-year change in total revenue Optimal: > 10% vs Sector: Below avg (-76%)	24.6% Excellent ↑ Excellent Improving Year-over-year change in total revenue Optimal: > 10% vs Sector: Above avg (+105%)	-1.4% Weak ↓ Weak Declining Year-over-year change in total revenue Optimal: > 10% vs Sector: Below avg (-112%)	1.8% Caution ↓ Caution Declining Year-over-year change in total revenue Optimal: > 10% vs Sector: Below avg (-85%)	-3.9% Weak ↓ Weak Declining Year-over-year change in total revenue Optimal: > 10% vs Sector: Below avg (-132%)	2.9% Caution ↓ Caution Declining Year-over-year change in total revenue Optimal: > 10% vs Sector: Below avg (-76%)	17.5% Good ↓ Good Declining Year-over-year change in total revenue Optimal: > 10% vs Sector: Above avg (+46%)	29.8% Excellent ↑ Excellent Improving Year-over-year change in total revenue Optimal: > 10% vs Sector: Above avg (+148%)	43.3% Excellent ↑ Excellent Improving Year-over-year change in total revenue Optimal: > 10% vs Sector: Above avg (+261%)	11.2% Good ↑ Good Improving Year-over-year change in total revenue Optimal: > 10% vs Sector: Below avg (-7%)	3.1% Caution Caution Year-over-year change in total revenue Optimal: > 10% vs Sector: Below avg (-74%)	-2.8% Weak Weak Year-over-year change in total revenue Optimal: > 10% vs Sector: Below avg (-124%)	—	—
EPS Growth YoY (%)	13.0% Fair ↓ Fair Declining Year-over-year change in earnings per share Optimal: > 10%	72.3% Excellent ↑ Excellent Improving Year-over-year change in earnings per share Optimal: > 10%	-10.4% Weak ↓ Weak Declining Year-over-year change in earnings per share Optimal: > 10%	14.7% Fair ↓ Fair Declining Year-over-year change in earnings per share Optimal: > 10%	75.8% Excellent ↓ Excellent Declining Year-over-year change in earnings per share Optimal: > 10%	6.9% Fair ↓ Fair Declining Year-over-year change in earnings per share Optimal: > 10%	-1.7% Weak ↓ Weak Declining Year-over-year change in earnings per share Optimal: > 10%	1375.0% Excellent ↑ Excellent Improving Year-over-year change in earnings per share Optimal: > 10%	-96.4% Weak ↓ Weak Declining Year-over-year change in earnings per share Optimal: > 10%	50.7% Excellent ↑ Excellent Improving Year-over-year change in earnings per share Optimal: > 10%	23.7% Good ↑ Good Improving Year-over-year change in earnings per share Optimal: > 10%	8.6% Fair ↓ Fair Declining Year-over-year change in earnings per share Optimal: > 10%	29.4% Excellent ↓ Excellent Declining Year-over-year change in earnings per share Optimal: > 10%	-8.0% Weak ↓ Weak Declining Year-over-year change in earnings per share Optimal: > 10%	69.1% Excellent ↑ Excellent Improving Year-over-year change in earnings per share Optimal: > 10%	42.1% Excellent Excellent Year-over-year change in earnings per share Optimal: > 10%	83.9% Excellent Excellent Year-over-year change in earnings per share Optimal: > 10%	—	—
Net Income Growth YoY (%)	11.6% Fair ↓ Fair Declining Year-over-year change in net income	67.2% Excellent ↑ Excellent Improving Year-over-year change in net income	-14.5% Weak ↓ Weak Declining Year-over-year change in net income	11.3% Fair ↓ Fair Declining Year-over-year change in net income	75.9% Excellent ↓ Excellent Declining Year-over-year change in net income	8.3% Fair ↓ Fair Declining Year-over-year change in net income	-2.7% Weak ↓ Weak Declining Year-over-year change in net income	1242.2% Excellent ↑ Excellent Improving Year-over-year change in net income	-96.0% Weak ↓ Weak Declining Year-over-year change in net income	51.6% Excellent ↑ Excellent Improving Year-over-year change in net income	26.5% Excellent ↑ Excellent Improving Year-over-year change in net income	5.8% Fair ↓ Fair Declining Year-over-year change in net income	30.8% Excellent ↓ Excellent Declining Year-over-year change in net income	6.5% Fair ↓ Fair Declining Year-over-year change in net income	68.6% Excellent ↑ Excellent Improving Year-over-year change in net income	38.6% Excellent Excellent Year-over-year change in net income	85.5% Excellent Excellent Year-over-year change in net income	—	—
FCF Growth YoY (%)	-8.4% Weak ↓ Weak Declining Year-over-year change in free cash flow	121.3% Excellent ↑ Excellent Improving Year-over-year change in free cash flow	28.4% Excellent ↓ Excellent Declining Year-over-year change in free cash flow	-32.7% Weak ↓ Weak Declining Year-over-year change in free cash flow	-33.3% Weak ↓ Weak Declining Year-over-year change in free cash flow	158.9% Excellent ↑ Excellent Improving Year-over-year change in free cash flow	-30.9% Weak Weak Year-over-year change in free cash flow	39.9% Excellent Excellent Year-over-year change in free cash flow	—	—	—	—	N/M	N/M	-4.4% Weak ↓ Weak Declining Year-over-year change in free cash flow	89.4% Excellent Excellent Year-over-year change in free cash flow	-41.5% Weak Weak Year-over-year change in free cash flow	—	—
Revenue CAGR 3Y (%)	7.4% Fair ↑ Fair Improving Compound annual revenue growth over 3 years	5.2% Fair ↓ Fair Declining Compound annual revenue growth over 3 years	3.9% Caution ↓ Caution Declining Compound annual revenue growth over 3 years	4.2% Caution ↓ Caution Declining Compound annual revenue growth over 3 years	10.7% Good ↑ Good Improving Compound annual revenue growth over 3 years	8.1% Fair ↑ Fair Improving Compound annual revenue growth over 3 years	7.8% Fair ↑ Fair Improving Compound annual revenue growth over 3 years	-1.2% Weak ↓ Weak Declining Compound annual revenue growth over 3 years	0.3% Weak ↓ Weak Declining Compound annual revenue growth over 3 years	5.2% Fair ↓ Fair Declining Compound annual revenue growth over 3 years	16.2% Excellent ↓ Excellent Declining Compound annual revenue growth over 3 years	29.8% Excellent ↑ Excellent Improving Compound annual revenue growth over 3 years	27.4% Excellent ↑ Excellent Improving Compound annual revenue growth over 3 years	18.0% Excellent Excellent Compound annual revenue growth over 3 years	3.7% Caution Caution Compound annual revenue growth over 3 years	—	—	—	—
Revenue CAGR 5Y (%)	6.3% Fair → Fair Stable Compound annual revenue growth over 5 years	4.8% Fair ↓ Fair Declining Compound annual revenue growth over 5 years	7.5% Fair ↑ Fair Improving Compound annual revenue growth over 5 years	6.8% Fair ↑ Fair Improving Compound annual revenue growth over 5 years	6.4% Fair ↑ Fair Improving Compound annual revenue growth over 5 years	4.4% Fair ↓ Fair Declining Compound annual revenue growth over 5 years	4.4% Fair ↓ Fair Declining Compound annual revenue growth over 5 years	3.1% Caution ↓ Caution Declining Compound annual revenue growth over 5 years	9.0% Good ↓ Good Declining Compound annual revenue growth over 5 years	16.7% Excellent ↓ Excellent Declining Compound annual revenue growth over 5 years	20.1% Excellent ↑ Excellent Improving Compound annual revenue growth over 5 years	20.2% Excellent Excellent Compound annual revenue growth over 5 years	15.7% Excellent Excellent Compound annual revenue growth over 5 years	—	—	—	—	—	—
EPS CAGR 3Y (%)	20.4% Excellent ↓ Excellent Declining Compound annual EPS growth over 3 years	21.0% Excellent ↓ Excellent Declining Compound annual EPS growth over 3 years	21.8% Excellent ↓ Excellent Declining Compound annual EPS growth over 3 years	29.2% Excellent ↓ Excellent Declining Compound annual EPS growth over 3 years	22.7% Excellent ↓ Excellent Declining Compound annual EPS growth over 3 years	149.3% Excellent ↑ Excellent Improving Compound annual EPS growth over 3 years	-19.2% Weak ↓ Weak Declining Compound annual EPS growth over 3 years	-6.9% Weak ↓ Weak Declining Compound annual EPS growth over 3 years	-59.2% Weak ↓ Weak Declining Compound annual EPS growth over 3 years	26.5% Excellent ↑ Excellent Improving Compound annual EPS growth over 3 years	20.2% Excellent ↓ Excellent Declining Compound annual EPS growth over 3 years	8.9% Fair ↓ Fair Declining Compound annual EPS growth over 3 years	26.3% Excellent ↓ Excellent Declining Compound annual EPS growth over 3 years	30.3% Excellent Excellent Compound annual EPS growth over 3 years	64.1% Excellent Excellent Compound annual EPS growth over 3 years	—	—	—	—

💰 Are margins durable? 5 metrics

Metric	FY 2025 Dec 31, 2025 10-K ↗	FY 2024 Dec 31, 2024 10-K ↗	FY 2023 Dec 31, 2023 10-K ↗	FY 2022 Dec 31, 2022 10-K ↗	FY 2021 Dec 31, 2021 10-K ↗	FY 2020 Dec 31, 2020 10-K ↗	FY 2019 Dec 31, 2019 10-K ↗	FY 2018 Dec 31, 2018 10-K ↗	FY 2017 Dec 31, 2017 10-K ↗	FY 2016 Dec 31, 2016 10-K ↗	FY 2015 Dec 31, 2015 10-K ↗	FY 2014 Dec 31, 2014 10-K ↗	FY 2013 Dec 31, 2013 10-K ↗	FY 2012 Dec 31, 2012 10-K ↗	FY 2011 Dec 31, 2011 10-K ↗	FY 2010 Dec 31, 2010 10-K ↗	FY 2009 Dec 31, 2009 10-K ↗	FY 2008 Dec 31, 2008 10-K ↗	FY 2007 Dec 31, 2007 10-K ↗
Operating Margin (%) (%)	18.7% Good ↑ Good Improving Operating income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-6%)	19.3% Good ↑ Good Improving Operating income as a percentage of revenue Optimal: > 15% vs Sector: At sector avg	15.2% Fair ↑ Fair Improving Operating income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-24%)	14.3% Fair ↑ Fair Improving Operating income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-28%)	15.3% Fair ↑ Fair Improving Operating income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-23%)	11.2% Caution ↑ Caution Improving Operating income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-44%)	9.8% Caution ↓ Caution Declining Operating income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-51%)	12.5% Fair ↓ Fair Declining Operating income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-38%)	8.3% Caution ↓ Caution Declining Operating income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-59%)	22.0% Good ↑ Good Improving Operating income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+10%)	12.2% Fair ↓ Fair Declining Operating income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-39%)	13.6% Fair → Fair Stable Operating income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-32%)	14.2% Fair ↑ Fair Improving Operating income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-29%)	11.2% Caution ↓ Caution Declining Operating income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-44%)	14.2% Fair ↑ Fair Improving Operating income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-29%)	12.8% Fair ↑ Fair Improving Operating income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-36%)	10.2% Caution Caution Operating income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-49%)	5.2% Weak Weak Operating income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-74%)	—
Effective Tax Rate (%) (%)	26.1% Caution ↑ Caution Improving Actual taxes paid relative to pre-tax income Optimal: 15-25%	18.9% Good ↓ Good Declining Actual taxes paid relative to pre-tax income Optimal: 15-25%	17.7% Good ↓ Good Declining Actual taxes paid relative to pre-tax income Optimal: 15-25%	31.2% Weak ↑ Weak Improving Actual taxes paid relative to pre-tax income Optimal: 15-25%	27.0% Caution ↑ Caution Improving Actual taxes paid relative to pre-tax income Optimal: 15-25%	26.3% Caution ↓ Caution Declining Actual taxes paid relative to pre-tax income Optimal: 15-25%	7.1% Excellent ↓ Excellent Declining Actual taxes paid relative to pre-tax income Optimal: 15-25%	24.9% Fair ↓ Fair Declining Actual taxes paid relative to pre-tax income Optimal: 15-25%	88.2% Weak ↑ Weak Improving Actual taxes paid relative to pre-tax income Optimal: 15-25%	30.2% Weak → Weak Stable Actual taxes paid relative to pre-tax income Optimal: 15-25%	24.6% Fair ↓ Fair Declining Actual taxes paid relative to pre-tax income Optimal: 15-25%	31.6% Weak ↑ Weak Improving Actual taxes paid relative to pre-tax income Optimal: 15-25%	31.4% Weak Weak Actual taxes paid relative to pre-tax income Optimal: 15-25%	25.2% Caution Caution Actual taxes paid relative to pre-tax income Optimal: 15-25%	—	—	—	—	—
Profit Margin (%) (%)	12.9% Fair ↑ Fair Improving Net income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-14%)	12.7% Fair ↑ Fair Improving Net income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-15%)	8.4% Caution → Caution Stable Net income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-44%)	10.0% Caution ↑ Caution Improving Net income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-33%)	9.3% Caution ↑ Caution Improving Net income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-38%)	5.6% Caution ↑ Caution Improving Net income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-63%)	5.3% Caution ↓ Caution Declining Net income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-64%)	6.8% Caution → Caution Stable Net income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-54%)	0.5% Weak ↓ Weak Declining Net income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-97%)	12.9% Fair ↑ Fair Improving Net income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-14%)	8.2% Caution ↑ Caution Improving Net income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-46%)	6.6% Caution ↓ Caution Declining Net income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-56%)	7.4% Caution ↓ Caution Declining Net income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-51%)	7.3% Caution → Caution Stable Net income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-51%)	9.9% Caution ↑ Caution Improving Net income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-34%)	6.5% Caution ↑ Caution Improving Net income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-57%)	4.8% Weak Weak Net income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-68%)	2.5% Weak Weak Net income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-83%)	—
FCF Margin (%) (%)	17.6% Good ↑ Good Improving Free cash flow as a percentage of revenue Optimal: > 10%	21.5% Excellent ↑ Excellent Improving Free cash flow as a percentage of revenue Optimal: > 10%	11.0% Fair ↓ Fair Declining Free cash flow as a percentage of revenue Optimal: > 10%	9.2% Caution ↓ Caution Declining Free cash flow as a percentage of revenue Optimal: > 10%	14.6% Fair ↓ Fair Declining Free cash flow as a percentage of revenue Optimal: > 10%	23.0% Excellent ↑ Excellent Improving Free cash flow as a percentage of revenue Optimal: > 10%	9.1% Caution ↓ Caution Declining Free cash flow as a percentage of revenue Optimal: > 10%	16.4% Good Good Free cash flow as a percentage of revenue Optimal: > 10%	11.8% Fair Fair Free cash flow as a percentage of revenue Optimal: > 10%	—	—	—	13.6% Fair ↑ Fair Improving Free cash flow as a percentage of revenue Optimal: > 10%	-3.3% Weak ↓ Weak Declining Free cash flow as a percentage of revenue Optimal: > 10%	15.7% Good → Good Stable Free cash flow as a percentage of revenue Optimal: > 10%	18.2% Good ↑ Good Improving Free cash flow as a percentage of revenue Optimal: > 10%	10.2% Fair Fair Free cash flow as a percentage of revenue Optimal: > 10%	17.0% Good Good Free cash flow as a percentage of revenue Optimal: > 10%	—
FCF / Net Income (x)	1.37x Good → Good Stable Free cash flow relative to reported net income Optimal: > 1x	1.69x Excellent ↑ Excellent Improving Free cash flow relative to reported net income Optimal: > 1x	1.31x Good ↓ Good Declining Free cash flow relative to reported net income Optimal: > 1x	0.92x Caution ↓ Caution Declining Free cash flow relative to reported net income Optimal: > 1x	1.56x Excellent ↓ Excellent Declining Free cash flow relative to reported net income Optimal: > 1x	4.09x Excellent ↓ Excellent Declining Free cash flow relative to reported net income Optimal: > 1x	1.71x Excellent ↓ Excellent Declining Free cash flow relative to reported net income Optimal: > 1x	2.40x Excellent Excellent Free cash flow relative to reported net income Optimal: > 1x	23.46x Excellent Excellent Free cash flow relative to reported net income Optimal: > 1x	—	—	—	1.84x Excellent ↑ Excellent Improving Free cash flow relative to reported net income Optimal: > 1x	-0.46x Weak ↓ Weak Declining Free cash flow relative to reported net income Optimal: > 1x	1.59x Excellent ↓ Excellent Declining Free cash flow relative to reported net income Optimal: > 1x	2.81x Excellent ↓ Excellent Declining Free cash flow relative to reported net income Optimal: > 1x	2.10x Excellent Excellent Free cash flow relative to reported net income Optimal: > 1x	6.69x Excellent Excellent Free cash flow relative to reported net income Optimal: > 1x	—

🎯 Is capital allocation efficient? 3 metrics

Metric	FY 2025 Dec 31, 2025 10-K ↗	FY 2024 Dec 31, 2024 10-K ↗	FY 2023 Dec 31, 2023 10-K ↗	FY 2022 Dec 31, 2022 10-K ↗	FY 2021 Dec 31, 2021 10-K ↗	FY 2020 Dec 31, 2020 10-K ↗	FY 2019 Dec 31, 2019 10-K ↗	FY 2018 Dec 31, 2018 10-K ↗	FY 2017 Dec 31, 2017 10-K ↗	FY 2016 Dec 31, 2016 10-K ↗	FY 2015 Dec 31, 2015 10-K ↗	FY 2014 Dec 31, 2014 10-K ↗	FY 2013 Dec 31, 2013 10-K ↗	FY 2012 Dec 31, 2012 10-K ↗	FY 2011 Dec 31, 2011 10-K ↗	FY 2010 Dec 31, 2010 10-K ↗	FY 2009 Dec 31, 2009 10-K ↗	FY 2008 Dec 31, 2008 10-K ↗	FY 2007 Dec 31, 2007 10-K ↗
Return on Invested Capital (%)	10.4% Good ↑ Good Improving Return earned on debt + equity capital invested Optimal: > 10%	10.6% Good ↑ Good Improving Return earned on debt + equity capital invested Optimal: > 10%	7.7% Fair ↑ Fair Improving Return earned on debt + equity capital invested Optimal: > 10%	6.1% Caution ↑ Caution Improving Return earned on debt + equity capital invested Optimal: > 10%	6.6% Caution ↑ Caution Improving Return earned on debt + equity capital invested Optimal: > 10%	4.5% Caution ↑ Caution Improving Return earned on debt + equity capital invested Optimal: > 10%	4.6% Caution ↓ Caution Declining Return earned on debt + equity capital invested Optimal: > 10%	5.5% Caution → Caution Stable Return earned on debt + equity capital invested Optimal: > 10%	0.7% Weak ↓ Weak Declining Return earned on debt + equity capital invested Optimal: > 10%	10.3% Good ↑ Good Improving Return earned on debt + equity capital invested Optimal: > 10%	6.1% Caution → Caution Stable Return earned on debt + equity capital invested Optimal: > 10%	6.4% Caution ↓ Caution Declining Return earned on debt + equity capital invested Optimal: > 10%	6.5% Caution ↓ Caution Declining Return earned on debt + equity capital invested Optimal: > 10%	6.1% Caution ↓ Caution Declining Return earned on debt + equity capital invested Optimal: > 10%	16.5% Excellent ↑ Excellent Improving Return earned on debt + equity capital invested Optimal: > 10%	16.6% Excellent ↑ Excellent Improving Return earned on debt + equity capital invested Optimal: > 10%	13.9% Good Good Return earned on debt + equity capital invested Optimal: > 10%	8.0% Fair Fair Return earned on debt + equity capital invested Optimal: > 10%	—
Return on Capital (%) (%)	10.6% Good ↑ Good Improving Operating profit relative to total assets Optimal: > 10%	10.2% Good ↑ Good Improving Operating profit relative to total assets Optimal: > 10%	6.4% Caution ↑ Caution Improving Operating profit relative to total assets Optimal: > 10%	6.4% Caution ↑ Caution Improving Operating profit relative to total assets Optimal: > 10%	6.6% Caution ↑ Caution Improving Operating profit relative to total assets Optimal: > 10%	4.3% Caution ↓ Caution Declining Operating profit relative to total assets Optimal: > 10%	3.8% Weak ↓ Weak Declining Operating profit relative to total assets Optimal: > 10%	5.9% Caution ↓ Caution Declining Operating profit relative to total assets Optimal: > 10%	4.5% Caution ↓ Caution Declining Operating profit relative to total assets Optimal: > 10%	11.6% Good ↑ Good Improving Operating profit relative to total assets Optimal: > 10%	6.4% Caution ↓ Caution Declining Operating profit relative to total assets Optimal: > 10%	7.5% Fair → Fair Stable Operating profit relative to total assets Optimal: > 10%	7.3% Fair ↓ Fair Declining Operating profit relative to total assets Optimal: > 10%	5.9% Caution ↓ Caution Declining Operating profit relative to total assets Optimal: > 10%	10.0% Fair ↑ Fair Improving Operating profit relative to total assets Optimal: > 10%	8.9% Fair Fair Operating profit relative to total assets Optimal: > 10%	7.0% Fair Fair Operating profit relative to total assets Optimal: > 10%	—	—
Return on Common Equity (%) (%)	14.9% Fair ↑ Fair Improving Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-19%)	14.3% Fair ↑ Fair Improving Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-23%)	9.2% Caution → Caution Stable Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-50%)	11.9% Fair ↑ Fair Improving Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-36%)	10.3% Fair ↑ Fair Improving Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-45%)	6.0% Caution ↑ Caution Improving Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-67%)	5.9% Caution ↓ Caution Declining Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-68%)	6.6% Caution ↓ Caution Declining Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-64%)	0.7% Weak ↓ Weak Declining Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-96%)	17.2% Good ↑ Good Improving Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-7%)	13.1% Fair ↑ Fair Improving Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-29%)	11.6% Fair → Fair Stable Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-37%)	11.7% Fair → Fair Stable Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-37%)	9.1% Caution ↓ Caution Declining Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-51%)	14.4% Fair ↑ Fair Improving Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-22%)	10.6% Fair ↑ Fair Improving Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-42%)	8.3% Caution Caution Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-55%)	4.9% Weak Weak Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-73%)	—

⚖️ Is the balance sheet risky? 4 metrics

Metric	FY 2025 Dec 31, 2025 10-K ↗	FY 2024 Dec 31, 2024 10-K ↗	FY 2023 Dec 31, 2023 10-K ↗	FY 2022 Dec 31, 2022 10-K ↗	FY 2021 Dec 31, 2021 10-K ↗	FY 2020 Dec 31, 2020 10-K ↗	FY 2019 Dec 31, 2019 10-K ↗	FY 2018 Dec 31, 2018 10-K ↗	FY 2017 Dec 31, 2017 10-K ↗	FY 2016 Dec 31, 2016 10-K ↗	FY 2015 Dec 31, 2015 10-K ↗	FY 2014 Dec 31, 2014 10-K ↗	FY 2013 Dec 31, 2013 10-K ↗	FY 2012 Dec 31, 2012 10-K ↗	FY 2011 Dec 31, 2011 10-K ↗	FY 2010 Dec 31, 2010 10-K ↗	FY 2009 Dec 31, 2009 10-K ↗	FY 2008 Dec 31, 2008 10-K ↗	FY 2007 Dec 31, 2007 10-K ↗
Debt to Equity (x)	0.54x Good ↓ Good Declining Total debt relative to shareholder equity Optimal: < 0.6x vs Sector: Above avg (+20%)	0.65x Fair ↓ Fair Declining Total debt relative to shareholder equity Optimal: < 0.6x vs Sector: Above avg (+44%)	0.78x Fair ↓ Fair Declining Total debt relative to shareholder equity Optimal: < 0.6x vs Sector: Above avg (+74%)	0.91x Fair ↓ Fair Declining Total debt relative to shareholder equity Optimal: < 0.6x vs Sector: Above avg (+103%)	0.86x Fair ↓ Fair Declining Total debt relative to shareholder equity Optimal: < 0.6x vs Sector: Above avg (+90%)	0.96x Fair → Fair Stable Total debt relative to shareholder equity Optimal: < 0.6x vs Sector: Above avg (+113%)	1.22x Caution ↑ Caution Improving Total debt relative to shareholder equity Optimal: < 0.6x vs Sector: Above avg (+170%)	0.64x Fair ↓ Fair Declining Total debt relative to shareholder equity Optimal: < 0.6x vs Sector: Above avg (+42%)	0.90x Fair ↓ Fair Declining Total debt relative to shareholder equity Optimal: < 0.6x vs Sector: Above avg (+99%)	0.99x Fair ↓ Fair Declining Total debt relative to shareholder equity Optimal: < 0.6x vs Sector: Above avg (+119%)	1.43x Caution ↑ Caution Improving Total debt relative to shareholder equity Optimal: < 0.6x vs Sector: Above avg (+219%)	1.53x Weak ↑ Weak Improving Total debt relative to shareholder equity Optimal: < 0.6x vs Sector: Above avg (+241%)	1.39x Caution Caution Total debt relative to shareholder equity Optimal: < 0.6x vs Sector: Above avg (+209%)	0.70x Fair Fair Total debt relative to shareholder equity Optimal: < 0.6x vs Sector: Above avg (+56%)	—	—	—	—	—
Interest Coverage (x)	5.15x Good ↑ Good Improving Operating income divided by interest expense Optimal: > 5x	4.39x Fair ↑ Fair Improving Operating income divided by interest expense Optimal: > 5x	2.81x Caution ↓ Caution Declining Operating income divided by interest expense Optimal: > 5x	3.83x Fair ↑ Fair Improving Operating income divided by interest expense Optimal: > 5x	4.66x Fair ↑ Fair Improving Operating income divided by interest expense Optimal: > 5x	2.56x Caution ↑ Caution Improving Operating income divided by interest expense Optimal: > 5x	1.93x Caution ↓ Caution Declining Operating income divided by interest expense Optimal: > 5x	3.03x Fair ↓ Fair Declining Operating income divided by interest expense Optimal: > 5x	2.17x Caution ↓ Caution Declining Operating income divided by interest expense Optimal: > 5x	5.50x Good ↑ Good Improving Operating income divided by interest expense Optimal: > 5x	3.09x Fair ↓ Fair Declining Operating income divided by interest expense Optimal: > 5x	3.48x Fair ↓ Fair Declining Operating income divided by interest expense Optimal: > 5x	4.52x Fair ↓ Fair Declining Operating income divided by interest expense Optimal: > 5x	7.14x Good ↓ Good Declining Operating income divided by interest expense Optimal: > 5x	27.24x Excellent ↑ Excellent Improving Operating income divided by interest expense Optimal: > 5x	26.88x Excellent ↑ Excellent Improving Operating income divided by interest expense Optimal: > 5x	14.56x Excellent Excellent Operating income divided by interest expense Optimal: > 5x	4.33x Fair Fair Operating income divided by interest expense Optimal: > 5x	—
Net Debt (USD)	$621.15M	$708.18M	$873.76M	$964.89M	$943.68M	$989.63M	$1.25B	$523.25M	$616.02M	$668.16M	$836.34M	$814.63M	$660.32M	$297.92M	$-197.10M	$-171.31M	$-125.92M	$-112.97M	$-97.01M
Debt / EBITDA (x)	1.92x Good ↓ Good Declining Debt relative to earnings before interest, taxes, depreciation Optimal: < 2x	2.21x Fair ↓ Fair Declining Debt relative to earnings before interest, taxes, depreciation Optimal: < 2x	3.03x Caution ↓ Caution Declining Debt relative to earnings before interest, taxes, depreciation Optimal: < 2x	3.29x Caution ↓ Caution Declining Debt relative to earnings before interest, taxes, depreciation Optimal: < 2x	3.10x Caution ↓ Caution Declining Debt relative to earnings before interest, taxes, depreciation Optimal: < 2x	4.05x Weak → Weak Stable Debt relative to earnings before interest, taxes, depreciation Optimal: < 2x	5.57x Weak ↑ Weak Improving Debt relative to earnings before interest, taxes, depreciation Optimal: < 2x	3.01x Caution ↓ Caution Declining Debt relative to earnings before interest, taxes, depreciation Optimal: < 2x	3.67x Caution ↑ Caution Improving Debt relative to earnings before interest, taxes, depreciation Optimal: < 2x	2.29x Fair ↓ Fair Declining Debt relative to earnings before interest, taxes, depreciation Optimal: < 2x	4.16x Weak ↑ Weak Improving Debt relative to earnings before interest, taxes, depreciation Optimal: < 2x	3.97x Caution ↑ Caution Improving Debt relative to earnings before interest, taxes, depreciation Optimal: < 2x	3.91x Caution Caution Debt relative to earnings before interest, taxes, depreciation Optimal: < 2x	2.99x Fair Fair Debt relative to earnings before interest, taxes, depreciation Optimal: < 2x	—	—	—	—	—

📊 What does each share earn? 7 metrics

Metric	FY 2025 Dec 31, 2025 10-K ↗	FY 2024 Dec 31, 2024 10-K ↗	FY 2023 Dec 31, 2023 10-K ↗	FY 2022 Dec 31, 2022 10-K ↗	FY 2021 Dec 31, 2021 10-K ↗	FY 2020 Dec 31, 2020 10-K ↗	FY 2019 Dec 31, 2019 10-K ↗	FY 2018 Dec 31, 2018 10-K ↗	FY 2017 Dec 31, 2017 10-K ↗	FY 2016 Dec 31, 2016 10-K ↗	FY 2015 Dec 31, 2015 10-K ↗	FY 2014 Dec 31, 2014 10-K ↗	FY 2013 Dec 31, 2013 10-K ↗	FY 2012 Dec 31, 2012 10-K ↗	FY 2011 Dec 31, 2011 10-K ↗	FY 2010 Dec 31, 2010 10-K ↗	FY 2009 Dec 31, 2009 10-K ↗	FY 2008 Dec 31, 2008 10-K ↗	FY 2007 Dec 31, 2007 10-K ↗
Revenue per Share (USD)	$16.93	$15.11	$13.39	$12.51	$11.67	$11.12	$10.83	$8.70	$8.68	$8.56	$8.90	$8.85	$7.34	$5.74	$4.63	$4.16	$3.94	$4.04	—
Basic EPS, GAAP (USD)	$2.18	$1.93	$1.12	$1.25	$1.09	$0.62	$0.58	$0.59	$0.04	$1.10	$0.73	$0.59	$0.54	$0.42	$0.46	$0.27	$0.19	$0.10	—
Free Cash Flow per Share (USD)	$2.98	$3.25	$1.47	$1.15	$1.70	$2.55	$0.99	$1.43	$1.02	—	—	—	$1.00	$-0.19	$0.73	$0.76	$0.40	$0.68	—
Dividend per Share (USD)	—	—	—	—	—	—	—	—	—	$0.00	$0.00	$0.00	—	—	—	—	—	—	—
Book Value per Share (USD)	$14.79	$13.53	$12.25	$11.04	$10.76	$10.30	$9.74	$9.03	$6.53	$6.43	$5.50	$5.03	$4.66	$4.52	$3.14	$2.54	$2.29	$2.07	—
Tangible Book Value per Share (USD)	$2.80	$1.88	$0.91	$-0.30	$-0.31	$-0.63	$-1.30	$1.19	$-1.24	$-1.32	$-2.17	$-1.73	$-1.08	$0.28	$1.02	$0.51	$0.30	$2.07	—
Basic Weighted Avg Shares (shares)	103.96M	105.49M	108.50M	113.70M	117.41M	116.40M	116.17M	116.06M	118.06M	117.53M	117.47M	114.80M	117.89M	116.09M	100.37M	100.68M	103.10M	103.49M	—

🏦 How resilient is the balance sheet? 3 metrics

Metric	FY 2025 Dec 31, 2025 10-K ↗	FY 2024 Dec 31, 2024 10-K ↗	FY 2023 Dec 31, 2023 10-K ↗	FY 2022 Dec 31, 2022 10-K ↗	FY 2021 Dec 31, 2021 10-K ↗	FY 2020 Dec 31, 2020 10-K ↗	FY 2019 Dec 31, 2019 10-K ↗	FY 2018 Dec 31, 2018 10-K ↗	FY 2017 Dec 31, 2017 10-K ↗	FY 2016 Dec 31, 2016 10-K ↗	FY 2015 Dec 31, 2015 10-K ↗	FY 2014 Dec 31, 2014 10-K ↗	FY 2013 Dec 31, 2013 10-K ↗	FY 2012 Dec 31, 2012 10-K ↗	FY 2011 Dec 31, 2011 10-K ↗	FY 2010 Dec 31, 2010 10-K ↗	FY 2009 Dec 31, 2009 10-K ↗	FY 2008 Dec 31, 2008 10-K ↗	FY 2007 Dec 31, 2007 10-K ↗
Working Capital (USD)	$383.47M	$388.19M	$369.40M	$255.96M	$183.28M	$249.31M	$308.43M	$269.86M	$100.04M	$31.62M	$-2.36M	$39.45M	$90.76M	$89.53M	$114.81M	$24.05M	$78.66M	—	—
LT Debt (USD)	$817.61M	$924.58M	$1.04B	$1.09B	$1.07B	$1.16B	$1.37B	$671.76M	$685.73M	$743.92M	$938.58M	$891.93M	$755.38M	$374.25M	—	—	—	—	—
Total Equity (USD)	$1.52B	$1.42B	$1.32B	$1.19B	$1.24B	$1.21B	$1.13B	$1.05B	$764.60M	$754.92M	$654.40M	$581.40M	$543.69M	$534.36M	$317.33M	$255.62M	$236.06M	$213.84M	$241.04M

📋 What is driving earnings? 4 metrics

Metric	FY 2025 Dec 31, 2025 10-K ↗	FY 2024 Dec 31, 2024 10-K ↗	FY 2023 Dec 31, 2023 10-K ↗	FY 2022 Dec 31, 2022 10-K ↗	FY 2021 Dec 31, 2021 10-K ↗	FY 2020 Dec 31, 2020 10-K ↗	FY 2019 Dec 31, 2019 10-K ↗	FY 2018 Dec 31, 2018 10-K ↗	FY 2017 Dec 31, 2017 10-K ↗	FY 2016 Dec 31, 2016 10-K ↗	FY 2015 Dec 31, 2015 10-K ↗	FY 2014 Dec 31, 2014 10-K ↗	FY 2013 Dec 31, 2013 10-K ↗	FY 2012 Dec 31, 2012 10-K ↗	FY 2011 Dec 31, 2011 10-K ↗	FY 2010 Dec 31, 2010 10-K ↗	FY 2009 Dec 31, 2009 10-K ↗	FY 2008 Dec 31, 2008 10-K ↗	FY 2007 Dec 31, 2007 10-K ↗
Sales/Revenue/Turnover (USD)	$1.76B	$1.59B	$1.45B	$1.42B	$1.37B	$1.29B	$1.26B	$1.01B	$1.02B	$1.01B	$1.05B	$1.02B	$864.93M	$666.58M	$465.10M	$418.42M	$405.75M	$417.65M	—
Depreciation Expense (USD)	$96.95M	$110.96M	$122.37M	$127.33M	$133.39M	$140.32M	$122.57M	$97.35M	$102.22M	$103.45M	$97.43M	$86.68M	$69.97M	$50.78M	$28.38M	$26.35M	$6.34M	$6.51M	—
Net Income, GAAP (USD)	$226.66M	$203.12M	$121.51M	$142.18M	$127.79M	$72.66M	$67.06M	$68.92M	$5.13M	$129.53M	$85.44M	$67.56M	$63.87M	$48.85M	$45.85M	$27.20M	$19.63M	$10.58M	—
Operating Cash Flow (USD)	$322.83M	$358.75M	$168.52M	$143.38M	$220.47M	$314.89M	$137.65M	$183.93M	$146.20M	—	—	—	$138.42M	$-9.27M	$83.46M	$81.31M	$44.22M	$77.83M	—

ACI WORLDWIDE, INC.

Analytical Summary

19-Year Financial Trajectory

Bullish Indicators

Bearish Risks

Health Breakdown

Dividend History

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