Short answer
ACI WORLDWIDE, INC. (ACIW) filed its fiscal 2025 10-K annual report with the SEC on Feb 26, 2026. It reported revenue of $1.8B (+10.4% year over year) and net income of $227M.
- Top risk flagged: Regulatory risk: Section 203 of Delaware General Corporation Law limiting business combinations without broad stockholder approval
FY2025 key financial metrics · XBRL
- Revenue
- $1.8B
- +10.4% YoY
- Net income
- $227M
- +11.6% YoY
- Operating margin
- 18.7%
- −0.6 pp YoY
- EPS (diluted)
- $2.16
- +13.1% YoY
- ROE
- 14.9%
- +0.7 pp YoY
- Operating cash flow
- $323M
- −10.0% YoY
Source: XBRL data from the ACI WORLDWIDE, INC. (ACIW) FY2025 10-K on SEC EDGAR. USD.
ACI WORLDWIDE, INC. FY2025 10-K analysis
AI summary of each section, grounded in the filing text
Business Overview
- Core business: Develops and supports electronic payment software primarily for banks, merchants, intermediaries, and billers globally
- Emphasis on SaaS and PaaS revenue growth to $1.008B in 2025, up 12% YoY, expanding from $898M in 2024
- Strategic focus on transition from license and maintenance models toward subscription-based software delivery
- Net income increased 12% to $227M with repurchase of 4.18M shares totaling $204M in 2025, raising treasury stock to $965M
- Noteworthy audit focus on complex revenue recognition judgments for software license arrangements, highlighting pricing variability and contract terms
Management Discussion & Analysis
- Intangible assets net of amortization $147.1M in 2025 vs $165.4M in 2024; goodwill stable at $1.2B
- Forward-looking risks: potential impairment charges on intangibles; tax exposure from uncertain income tax positions
Risk Factors
- Regulatory risk: Section 203 of Delaware General Corporation Law limiting business combinations without broad stockholder approval
- Macroeconomic threat: Exposure to emerging markets growth dependency, with risks if these markets do not expand as anticipated
- Operational vulnerability: Dependence on third-party cloud providers (Microsoft Azure, AWS), with limited migration options and exposure to outages or increased costs
- Market disruption risk: Competition from significantly larger firms and clients developing in-house products, plus new entrants with AI-enabled technology
- Financial risk: Acquisition-related leverage and potential overpayment risk increasing interest expense and diluting shareholders through stock issuance
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