Business
ACI Worldwide sells payments software and platforms for banks, intermediaries, merchants, and billers, covering authorization, switching, settlement, fraud checking, reconciliation, real-time payments, and bill payment.
ACI grew revenue and cut debt, but free cash flow margin compressed.
The read at a glance✓ Audited against SEC data
- Growth — Revenue +10.4% to $1.76BOK
- Profitability — Net income +11.6% to $227MNote
- Cash quality — FCF -9.7% to $310MWatch
- Margins — Gross margin -135 bps; FCF margin -393 bpsWatch
- Capital — $203M buybacks; no dividend shownNote
- Balance sheet — Long-term debt -11.6%OK
- Insiders — 2 buys / 1 sellOK
- Accounting — M-score clean; EQ 86.35 safeOK
Where the revenue comes from
Fiscal 2025, as ACI WORLDWIDE, INC. reports it. History and quarterly detail are in the app.
- Payment Software$942.1M
- Biller$817.7M
Leadership changes
From ACI WORLDWIDE, INC.'s own filings, the day they're filed.
- Didier Lamouche · directors · appointmenteff. 2025-09-25
- Debbie Guerra · Chief Product Officer · departureeff. 2024-08-12
- Scotty Perkins · Chief Product Officer · departureeff. 2024-08-12
Latest filings
- 8-K · Company announcement2026-08-06
- 10-Q · Quarterly report2026-08-06
- 8-K · Company announcement2026-06-02
- 8-K · Company announcement2026-05-07
- 10-Q · Quarterly report2026-05-07
In the full recordFree for 14 days
- What changed🔒
- Insider signal🔒
- Growth quality🔒
- Margins & accounting🔒
- Capital allocation🔒
- Real risks🔒
- The long arc🔒
- Company history🔒
- The filings, readable — with what changed vs the prior year highlighted🔒
- Full financial statements, industry-aware, sources cited throughout🔒
- Forensic score history & components — the trend, not one year🔒
- Ownership: insider buys/sells, clusters, activist stakes🔒
- Ana — ask about ACI WORLDWIDE, INC., every answer cited to the official filings🔒
Every figure comes from the company's filings, and analysis whose figures don't match SEC data is rejected before publication.
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