ACI WORLDWIDE, INC. (ACIW) FY2025 10-K Annual Report
ACI WORLDWIDE, INC. (ACIW) 10-K annual report for fiscal year 2025, filed with SEC EDGAR on Feb 26, 2026. This page provides AI-powered analysis including business overview, management discussion & analysis (MD&A), risk factors, and key financial data such as revenue, net income, gross margin, operating margin, and return on equity (ROE) extracted from XBRL.
ACI WORLDWIDE, INC. FY2025 10-K Analysis
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
- • No revenue or profitability figures disclosed in provided MD&A excerpt
- • Intangible assets net of amortization $147.1M in 2025 vs $165.4M in 2024; goodwill stable at $1.2B
- • No segment performance or operating margin data provided
- • No cash flow, buybacks, dividends, or capex figures disclosed
- • 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
ACI WORLDWIDE, INC. FY2025 Key Financial MetricsXBRL
Revenue
$1.8B
▲ +10.4% YoY
Net Income
$227M
▲ +11.6% YoY
Operating Margin
18.7%
▼ -58bp YoY
Net Margin
12.9%
▲ +14bp YoY
ROE
14.9%
▲ +66bp YoY
Total Assets
$3.1B
▲ +2.6% YoY
EPS (Diluted)
$2.16
▲ +13.1% YoY
Operating Cash Flow
$323M
▼ -10.0% YoY
Source: XBRL data from ACI WORLDWIDE, INC. FY2025 10-K filing on SEC EDGAR. All figures in USD.
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