ACIW on Nasdaq

ACI Worldwide

Logo: Aligracegus, Public domain, via Wikimedia Commons4

American payment systems company

ACI Worldwide is a digital payments software company headquartered in Elkhorn, Nebraska, that processes billions of transactions daily equating to trillions of U.S. dollars for customers in 94 countries. Banks, financial institutions, merchants, billers, acquirers, issuers, and other third-party payment service providers use its intelligent solutions to deploy secure payment rails across all channels.3 From Wikipedia, CC BY-SA 4.0

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Last updated Oct 16, 2026.

Overview

1975Founded1

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  • TickerACIW on Nasdaq1
  • IndustryServices-Prepackaged Software1
  • HeadquartersMiami1
  • Founded inOmaha1
  • Websitewww.aciworldwide.com
  • Legal formDelaware corporation1
  • Incorporated inDE5
  • Business address6060 Coventry Drive, Elkhorn, Ne 680225
  • Filer categoryLarge accelerated filer5
ACI Payment Systems, Waltham MA
Photo: John Phelan, CC BY-SA 3.0, via Wikimedia Commons7

ACI Worldwide is a digital payments software company headquartered in Elkhorn, Nebraska, that processes billions of transactions daily equating to trillions of U.S. dollars for customers in 94 countries. Banks, financial institutions, merchants, billers, acquirers, issuers, and other third-party payment service providers use its intelligent solutions to deploy secure payment rails across all channels.3

Financials

From the company’s reports to the SEC. Every number links to the filing it came from.

Key numbers, fiscal 2025

18.7%Operating margin8
12.9%Net margin8
10.4%Revenue growth, 20258
14.9%Return on equity8
0.51×Debt to equity8
$309.9MFree cash flow8

What sells

Revenue by product, business segment and region, as the company reports it to the SEC.

Products and services

Bill Payments brought in 33% of the revenue ACI Worldwide broke down this way in fiscal 2025.

  1. Bill Payments$817.7M833%up 13% from 2024
  2. Issuing And Acquiring$579.8M823%up 11% from 2024
  3. License$461.5M818%up 12% from 2024
  4. Maintenance$201.3M88%up 6% from 2024
  5. Merchant Payments$170.7M87%up 3% from 2024
  6. Real Time Payments$138.3M86%up 9% from 2024
  7. Technology Service$88.5M84%down 5% from 2024
  8. Payment Intelligence$53.3M82%up 2% from 2024
Products and services by year
Products and services202320242025
Bill Payments$685.9M$726.5M$817.7M
Issuing And Acquiring$420.8M$522.7M$579.8M
License$321.2M$412.3M$461.5M
Maintenance$205.1M$190.8M$201.3M
Merchant Payments$150.6M$165.9M$170.7M
Real Time Payments$129.0M$126.7M$138.3M
Technology Service$77.1M$93.2M$88.5M
Payment Intelligence$63.5M$52.4M$53.3M

Business segments

Payment Software brought in 54% of the revenue ACI Worldwide broke down this way in fiscal 2025.

  1. Payment Software$942.1M854%up 9% from 2024
  2. Billers$817.7M846%up 13% from 2024
Business segments by year
Business segments202320242025
Payment Software$766.7M$867.8M$942.1M
Billers$685.9M$726.5M$817.7M

Regions

United States brought in 58% of the revenue ACI Worldwide broke down this way in fiscal 2025.

  1. United States$1.0B858%up 9% from 2024
  2. Outside the United States$745.6M842%up 12% from 2024
Regions by year
Regions202320242025
United States$887.2M$931.1M$1.0B
Outside the United States$565.4M$663.2M$745.6M

Where the money goes

Where each dollar of revenue went, fiscal 2025

  • Cost of revenue51¢$897.7M
  • Other costs32¢$555.5M
  • Income tax5¢$80.0M
  • Profit13¢$226.7M

Out of $1.8B in revenue.8

Where each dollar of operating cash went, fiscal 2025

  • Capital spending4¢$12.9M
  • Share buybacks63¢$202.6M
  • Kept or used elsewhere33¢$107.3M

Out of $322.8M of cash from operations.8

Financial statements

Revenue91011128$1.8B in 2025+40% since 2019
0$500.0M$1.0B$1.5B$2.0B2019: $1.3B$1.3B20192020: $1.3B$1.3B2020+3%2021: $1.4B$1.4B2021+6%2022: $1.4B$1.4B2022+4%2023: $1.5B$1.5B2023+2%2024: $1.6B$1.6B2024+10%2025: $1.8B$1.8B2025+10%
Operating income91011128$329.9M in 2025+167% since 2019
0$100.0M$200.0M$300.0M$400.0M2019: $123.8M$123.8M20192020: $144.7M$144.7M2020+17%2021: $209.9M$209.9M2021+45%2022: $203.8M$203.8M2022−3%2023: $220.4M$220.4M2023+8%2024: $308.1M$308.1M2024+40%2025: $329.9M$329.9M2025+7%
Net income91011128$226.7M in 2025+238% since 2019
0$100.0M$200.0M$300.0M2019: $67.1M$67.1M20192020: $72.7M$72.7M2020+8%2021: $127.8M$127.8M2021+76%2022: $142.2M$142.2M2022+11%2023: $121.5M$121.5M2023−15%2024: $203.1M$203.1M2024+67%2025: $226.7M$226.7M2025+12%

Every line of the income statement in the latest annual report, as filed.8

Period ending2025-12-312024-12-312023-12-31
Total revenues$1.8B$1.6B$1.5B
Cost of revenue$897.7M$791.8M$719.2M
Research and development$167.5M$146.7M$140.8M
Selling and marketing$125.1M$118.4M$132.6M
General and administrative$142.7M$118.4M$117.2M
Depreciation and amortization$96.9M$111.0M$122.4M
Total operating expenses$1.4B$1.3B$1.2B
Operating income$329.9M$308.1M$220.4M
Interest expense-$57.8M-$72.5M-$78.5M
Interest income$14.9M$15.9M$14.2M
Other, net$19.7M-$1.2M-$8.5M
Total other income (expense)-$23.2M-$57.7M-$72.8M
Income before income taxes$306.7M$250.4M$147.6M
Income tax expense$80.0M$47.3M$26.1M
Net income$226.7M$203.1M$121.5M
Basic (in dollars per share)$2.18$1.93$1.12
Diluted (in dollars per share)$2.16$1.91$1.12
Basic (in shares)104.0M shares105.5M shares108.5M shares
Diluted (in shares)104.8M shares106.5M shares108.9M shares

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The story

ACI was founded in Omaha, Nebraska as Applied Communications Inc, on

September 1, 1975, to develop software for communications applications using the new NonStop computers from Tandem Computers. The founders were James Cody, Dave Willadsen, and Dennis Gates. Chuck Hackett, Charly Foglesong, and Mike May began ACI's relationship with Tandem. Early projects involved building systems to handle ATMs and front ends for core banking systems, which led to the launch of the first product, BASE24, in 1982. BASE24 was coined by a salesman to represent "Baseline Software for 24 hour-per-day system operations".

BASE24 was expanded over time to service transactions from other channels, such as POS terminals and bank branch systems. The product portfolio grew to cover functions related to card transactions, such as clearing, settlement and fraud detection. The hardware support for these products was extended to suppliers IBM, HP, Stratus and Sun Microsystems.

In the 1990s, ACI's product range was expanded to cover wholesale banking payments with software for ACH transactions and wire transfers leading to the acquisition of IntraNet, Inc. in 1998, and adding the Money Transfer System product.

Since 1995, ACI has been publicly traded on NASDAQ, initially under the name Transaction Systems Architects (TSA), and, since July 2007, under the name ACI Worldwide, Inc. (ACIW). Prior to that ACI had periods of ownership by US West and Tandem, and as a private company.

Acquisitions

1998: IntraNet, Inc. was acquired by ACI Worldwide's predecessor Transaction Systems Architects, Inc. IntraNet, Inc. manufactured software systems to facilitate electronic payments.

2005: S2 Systems signed an agreement to sell substantially all its assets to Transaction Systems Architects, Inc.

2005: Restructuring of Transaction Systems Architects, Inc. into a highly focused organization, merging ACI, Insession, and IntraNet into one operating unit under the name ACI Worldwide. The name change became official in July 2007.

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2006: P&H Solutions Inc., a provider of a Web-based corporate cash management product, was acquired by ACI Worldwide.

2006: Electronic Payment Systems AG (eps) was acquired.

2007: Stratasoft Sdn Bhd was acquired.

2007: Visual WEB Solutions Inc., a financial banking applications company, was acquired.

2009: Euronet Essentis was purchased by ACI to expand card issuing and merchant management capabilities

2011: The acquisition of ISD Corporation was announced to broaden the functionality of ACI's payments products for retailers.

2012: S1 Corporation was acquired to broaden ACI's suite of payment offerings for financial organizations, processors and retailers.

2012: North Data Uruguay S.A. was acquired.

2012: Distra Pty Ltd was acquired.

2013: Online Resources Corporation was acquired.

2013: Official Payments Holdings, a provider of electronic bill payment technology, was acquired. The company processed approximately 20 million payments, totaling over $9 billion annually.

2013: Profesionales en Transacciones Electronicas S.A. (PTESA) was acquired.

2014: An agreement to acquire Retail Decisions (ReD) was announced and completed on August 12, 2014.

2015: PAY.ON, which provides white-label hosted payment gateway services, was acquired.

2019: ACI enters agreement to acquire Speedpay, Western Union's U.S. bill pay business, for $750 million

2019: Walletron was acquired.

Payment system

Payment gateway

Payment service provider

Digital banking

Transaction banking

Electronic billing

From Wikipedia’s article on ACI Worldwide, shared under CC BY-SA 4.0.6

Former names

  • TRANSACTION SYSTEMS ARCHITECTS INCFeb 9, 1996 to Jun 29, 20075

Timeline

  1. 1975Founded Founded in Omaha1

Recent filings

  1. Sep 25, 20264
  2. Sep 9, 20264
  3. Sep 9, 20264
  4. Sep 9, 20264
  5. Aug 6, 20268-K
  6. Aug 6, 2026SCHEDULE 13G
  7. Aug 6, 202610-Q
  8. Jun 26, 20264
  9. Jun 8, 20264
  10. Jun 8, 20264
  11. Jun 8, 20264
  12. Jun 3, 20264
  13. Jun 3, 20264
  14. Jun 3, 20264
  15. Jun 3, 20264

Every filing from the last three years, summarized. The full record is on SEC EDGAR.2