ACI WORLDWIDE, INC.(ACIW)— Stock Profile, AI Score & Financials
Technology · Nasdaq · AI-powered stock analysis, 32-signal quality score, SEC EDGAR financials, and institutional holdings. Updated .
ACI WORLDWIDE, INC. (ACIW) stock profile, AI quality score, and SEC EDGAR financial data, a Technology sector company. 13F Pro's AI-powered ranking engine scores ACIW at 66.3/100 on a 32-signal composite quality model, placing it at rank #424 of 2,960 stocks — the top 25% of the AI-ranked universe. ACIW scores in the top quartile across balance sheet strength (78.2). Shareholder dilution risk is elevated at 27.8/100, reflecting ongoing share issuance or stock-based compensation. Based on the latest XBRL financial filings (Q2 2026), ACI WORLDWIDE, INC. reports quarterly revenue of $430.4M, net income of $31.8M, free cash flow of $63.9M. Top institutional holders of ACIW by reported 13-F value include BlackRock, VANGUARD PORTFOLIO MANAGEMENT, FRANKLIN RESOURCES, based on the most recent SEC filings. ACIW trades on the Nasdaq exchange and files with the SEC under CIK 935036. 13F Pro's AI research platform runs 10 specialized AI analysts — value, growth, momentum, macro, and activist specialists — that debate ACIW daily and publish AI-generated analysis with cited SEC sources. The platform aggregates historical XBRL financial facts, 10-Q and 10-K filings, insider Form 4 transactions, and institutional 13-F holdings for ACI WORLDWIDE, INC. directly from SEC EDGAR.
AI Quality Score
66.3/100
AI Rank
#424
Revenue
$430.4M
Net Income
$31.8M
Free Cash Flow
$63.9M
ACIW key financials by period
ACI WORLDWIDE, INC. reported revenue, net income and margins by fiscal period, from SEC filings.
Period
Form
Revenue
Net income
Operating margin
FY 2025
10-K
$1.8B
$226.7M
18.8%
FY 2024
10-K
$1.6B
$203.1M
19.3%
FY 2023
10-K
$1.5B
$121.5M
15.2%
FY 2022
10-K
$1.4B
$142.2M
14.3%
FY 2021
10-K
$1.4B
$127.8M
15.3%
FY 2020
10-K
$1.3B
$72.7M
11.2%
Institutions holding ACIW
Institutional investors reporting a position in ACI WORLDWIDE, INC. on SEC Form 13F.
AI-extracted from the 10-Q filed 2026-08-06 — Q2 FY2026 (quarter ended June 30, 2026). Every figure is machine-verified against the filing text on SEC EDGAR.
ACI Worldwide Q2 revenue of $430.4M grew 7% YoY; net income surged 161% to $31.8M on lower interest expense and improved operating leverage.
Biggest Revenue Drivers
Software as a Service and Platform as a Service$284.8M+5% YoY
Driven by new customer go-lives and higher transaction volumes.
License$68.8M+21% YoY
Driven by license renewal timing and relative size of new license and capacity events.
Biggest Revenue Drivers
Total revenue: $430.4M+7% YoY
Software as a Service and Platform as a Service$284.8M+5% YoY
Driven by new customer go-lives and higher transaction volumes.
License$68.8M+21% YoY
Driven by license renewal timing and relative size of new license and capacity events.
Maintenance$51.6M+2% YoY
Minimal growth from recurring customer support fees.
Services$25.3M+11% YoY
Timing and magnitude of project-related implementation and professional services work.
Largest Expense Items
Cost of revenue$248.9M+6% YoY
Higher payment card interchange fees of $14.6M, partially offset by lower personnel costs.
Research and development$47.9M+17% YoY
Higher personnel and related expenses including increased stock-based compensation.
Selling and marketing$30.6M+6% YoY
Higher personnel and advertising/professional fees.
General and administrative$34.5M-8% YoY
Decrease in professional and legal fees, partially offset by higher personnel costs.
Margins: Operating income margin improved to 10.4% from 8.7% YoY, benefiting from revenue growth outpacing operating expense growth and lower interest expense. Net margin expanded significantly to 7.4% from 3.0%, aided by 18% reduction in interest expense and improved tax efficiency.
Watch Items from the Filing
Biller segment Adjusted EBITDA declined $5.0M in Q2 2026 vs Q2 2025, driven by $17.1M increase in payment card interchange costs despite $12.1M revenue growth—margin compression risk.
60-month backlog stable at $7.3B as of Q2 2026 vs $7.3B at Q1 2026; Committed Backlog decreased to $2.1B from $2.2B, signaling potential near-term revenue headwinds.
No customer represents more than 10% of revenue; geographic diversification with US at 64% and international 36% of Q2 revenue, reducing concentration risk.
Debt outstanding $826.3M with floating rate of 5.49%; 10% interest rate increase would add ~$4.5M annually to interest expense, representing material leverage sensitivity.
AI-extracted and verified against SEC EDGAR filing text. Not investment advice.
