ACI Worldwide, Inc. (ACIW) Income Statement
ACIW 2025 at a glance
Fiscal year ended December 31, 2025 · U.S. dollarsACIW revenue and net income
Where ACIW's revenue goes
2025Each bar shows an amount and its share of revenue. ACIW kept 12.9% of revenue as net income.
ACIW profit margins
ACIW growth rates
to 2025| 1 year | 3 years | 5 years | 10 years | |
|---|---|---|---|---|
| Revenue | +10.4% | +7.4% | +6.3% | +5.3% |
| Gross profit | +7.4% | +5.9% | +5.1% | +4.2% |
| Operating income | +7.1% | +17.4% | +17.9% | +9.9% |
| Net income | +11.6% | +16.8% | +25.5% | +10.2% |
| EPS (diluted) | −3.1% | +19.5% | +23.3% | +12.7% |
1-year change and average annual growth (CAGR) over 3, 5 and 10 fiscal years. "—" when a starting value was zero or negative.
ACIW quarterly EPS vs estimates
ACI Worldwide beat the analyst EPS estimate in 7 of the last 8 quarters. Next report: November 5, 2026 (estimate $0.50).
ACIW income statement
| 2025 | 2024 | 2023 | 2022 | 2021 | 2020 | 2019 | 2018 | 2017 | 2016 | |
|---|---|---|---|---|---|---|---|---|---|---|
| Revenue | $1.76B | $1.59B | $1.45B | $1.42B | $1.37B | $1.29B | $1.26B | $1.01B | $1.02B | $1.01B |
| Cost of revenue | $897.7M | $791.8M | $719.2M | $696.1M | $638.9M | $622.5M | $617.5M | $430.4M | $452.3M | $444.9M |
| Gross profit | $862.1M | $802.5M | $733.4M | $725.8M | $731.7M | $671.9M | $640.8M | $579.4M | $571.9M | $560.8M |
| Research & development | $167.5M | $146.7M | $140.8M | $146.3M | $144.3M | $139.3M | $146.6M | $143.6M | $136.9M | $169.9M |
| Sales, general & admin | $267.8M | $236.7M | $249.8M | $249.0M | $250.3M | $256.0M | $259.0M | $225.3M | $260.9M | $113.6M |
| Total operating expenses | $532.2M | $494.4M | $513.0M | $522.0M | $521.8M | $527.1M | $517.1M | $453.5M | $487.3M | $339.7M |
| Operating income | $329.9M | $308.1M | $220.4M | $203.8M | $209.9M | $144.7M | $123.8M | $125.9M | $84.6M | $221.1M |
| Interest income | $14.9M | $15.9M | $13.8M | $12.5M | $11.5M | $11.6M | $12.0M | $11.1M | $564,000 | $530,000 |
| Interest expense | $57.8M | $72.5M | $78.5M | $53.2M | $45.1M | $56.6M | $64.0M | $41.5M | $39.0M | $40.2M |
| Income before taxes | $306.7M | $250.4M | $147.6M | $206.6M | $175.1M | $98.6M | $72.2M | $91.8M | $43.6M | $185.6M |
| Income taxes | $80.0M | $47.3M | $26.1M | $64.5M | $47.3M | $26.0M | $5.1M | $22.9M | $38.4M | $56.0M |
| Net income | $226.7M | $203.1M | $121.5M | $142.2M | $127.8M | $72.7M | $67.1M | $68.9M | $5.1M | $129.5M |
| EBITDA | $475.4M | $443.5M | $360.1M | $398.2M | $364.0M | $319.0M | $274.7M | $230.7M | $184.8M | $329.2M |
| EPS (diluted) | $2.54 | $2.62 | $1.72 | $1.49 | $1.62 | $0.89 | $0.75 | $0.62 | $0.69 | $0.40 |
| Gross margin | 49.0% | 50.3% | 50.5% | 51.0% | 53.4% | 51.9% | 50.9% | 57.4% | 55.8% | 55.8% |
| Operating margin | 18.7% | 19.3% | 15.2% | 14.3% | 15.3% | 11.2% | 9.8% | 12.5% | 8.3% | 22.0% |
| Net margin | 12.9% | 12.7% | 8.4% | 10.0% | 9.3% | 5.6% | 5.3% | 6.8% | 0.5% | 12.9% |
| Jun '26 | Mar '26 | Dec '25 | Sep '25 | Jun '25 | Mar '25 | Dec '24 | Sep '24 | Jun '24 | Mar '24 | Dec '23 | Sep '23 | |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Revenue | $430.4M | $425.7M | $481.6M | $482.4M | $401.3M | $394.6M | $453.0M | $451.8M | $373.5M | $316.0M | $476.6M | $363.0M |
| Cost of revenue | $248.8M | $228.5M | $226.3M | $223.1M | $234.8M | $213.4M | $200.1M | $197.4M | $203.2M | $191.1M | $181.7M | $177.6M |
| Gross profit | $181.6M | $197.3M | $255.3M | $259.2M | $166.5M | $181.2M | $253.0M | $254.4M | $170.2M | $124.9M | $294.9M | $185.4M |
| Research & development | $47.9M | $44.1M | $45.0M | $42.6M | $41.1M | $38.9M | $38.6M | $37.7M | $35.4M | $35.0M | $34.6M | $33.7M |
| Sales, general & admin | $65.1M | $70.5M | $76.8M | $64.8M | $66.4M | $59.8M | $67.8M | $62.6M | $53.5M | $52.8M | $59.0M | $59.3M |
| Total operating expenses | $136.9M | $139.8M | $146.4M | $131.5M | $131.6M | $122.7M | $130.7M | $131.8M | $116.5M | $115.4M | $122.6M | $123.5M |
| Operating income | $44.6M | $57.5M | $108.8M | $127.7M | $34.9M | $58.5M | $122.3M | $122.6M | $53.7M | $9.6M | $172.3M | $61.9M |
| Interest income | $5.6M | $3.6M | $3.2M | $3.7M | $3.9M | $4.1M | $4.1M | $3.9M | $4.0M | $4.0M | $3.8M | $3.5M |
| Interest expense | $12.0M | $12.2M | $13.8M | $14.8M | $14.5M | $14.7M | $16.6M | $18.4M | $18.5M | $19.0M | $19.8M | $19.8M |
| Income before taxes | $38.9M | $50.4M | $99.0M | $118.1M | $17.9M | $71.6M | $110.3M | $107.3M | $40.3M | −$7.5M | $154.1M | $46.7M |
| Income taxes | $7.1M | $12.1M | $34.7M | $26.9M | $5.7M | $12.8M | $11.7M | $25.9M | $9.5M | $285,000 | $31.5M | $8.8M |
| Net income | $31.8M | $38.3M | $64.3M | $91.2M | $12.2M | $58.9M | $98.6M | $81.4M | $30.9M | −$7.8M | $122.6M | $37.9M |
| EBITDA | $77.2M | $90.3M | $140.0M | $159.5M | $58.9M | $112.7M | $153.5M | $160.3M | $88.8M | $41.7M | $205.3M | $99.7M |
| EPS (diluted) | $0.40 | $0.61 | $0.71 | $1.09 | $0.23 | $0.51 | $1.08 | $0.97 | $0.47 | $0.10 | $1.12 | $0.52 |
| Gross margin | 42.2% | 46.3% | 53.0% | 53.7% | 41.5% | 45.9% | 55.8% | 56.3% | 45.6% | 39.5% | 61.9% | 51.1% |
| Operating margin | 10.4% | 13.5% | 22.6% | 26.5% | 8.7% | 14.8% | 27.0% | 27.1% | 14.4% | 3.0% | 36.2% | 17.1% |
| Net margin | 7.4% | 9.0% | 13.4% | 18.9% | 3.0% | 14.9% | 21.8% | 18.0% | 8.3% | −2.5% | 25.7% | 10.4% |
Quarterly columns are labeled by the month the quarter ended. Figures in U.S. dollars as reported in ACIW's financial statements (latest annual report filed February 26, 2026); data from EODHD. Sales, general & administrative expenses include sales and marketing.
ACIW financial results
In fiscal year 2025 (ended December 31, 2025), ACI Worldwide reported revenue of $1.8 billion, up 10.4% from the year before. It had net income of $226.7 million (up 11.6%), a net profit margin of 12.9%. Diluted earnings per share came to $2.54. Over five years revenue grew at an average rate of 6.3% a year.
See the ACIW stock overview for the latest quote and news, or the ACIW chart for price history and technical indicators.
ACIW income statement FAQ
What is ACI Worldwide's annual revenue?
ACI Worldwide reported total revenue of $1.8 billion for fiscal year 2025, which ended on December 31, 2025. That was up 10.4% from $1.6 billion the previous year.
Is ACI Worldwide profitable?
Yes. ACI Worldwide reported net income of $226.7 million in fiscal 2025, a net profit margin of 12.9%; its operating margin was 18.7%.
What is ACI Worldwide's gross margin?
ACI Worldwide's gross margin was 49.0% in fiscal 2025: for every $100 of revenue, ACI Worldwide kept $49 after the direct cost of its products and services.
How much does ACI Worldwide spend on research and development?
ACI Worldwide spent $167.5 million on research and development in fiscal 2025, 9.5% of revenue.
How fast is ACI Worldwide growing?
Revenue grew 6.3% a year on average over the last five fiscal years, from $1.3 billion to $1.8 billion.
What are ACI Worldwide's earnings per share?
ACI Worldwide earned $2.54 per diluted share in fiscal 2025, compared with $2.62 a year earlier.
When will ACI Worldwide report its next earnings?
ACI Worldwide is expected to report results for the quarter ending September 30, 2026 on November 5, 2026 before the market opens.
When does ACI Worldwide's fiscal year end?
ACI Worldwide's fiscal year ends in December. The latest annual report covers the year ended December 31, 2025 and was filed on February 26, 2026.