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ACI develops, markets, installs, and supports a broad line of software solutions that deliver intelligent payments o rchestration to banks, merchants, and billers . ACI powers the world's payments ecosystem by supporting any channel, any network, and any payment type.
18.75% operating margin is respectable but not wide. ROIC at 10.52%. Suggests the business covers its cost of capital, but doesn't point to a wide moat.
Revenue grew 10.4%, still solid.
Insufficient data to identify specific risks. Treat any missing metrics as a data gap, not a clean bill of health.
Profitability & Returns
Revenue (TTM)
$1.79B
▲ +10.4% YoY
Net Income (TTM)
$206M
▲ +11.6% YoY
Op. Margin
18.36%
▼ -0.6pp YoY
ROIC
10.61%
▼ -0.4pp YoY
Cash Flow & Balance Sheet
FCF (TTM)
$295M
▼ -9.7% YoY
Op. Cash Flow (TTM)
$309M
▼ -10.0% YoY
Net Debt
$675M
Cash & Equiv.
$162M
5Y CAGR: +6.3%
5Y CAGR: +0.8%
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