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ACI Worldwide cash flow, quarter by quarter

Latest: Q3 2026 · from the cash-flow statements filed with the SEC

Free cash flow$116M in Q3 2026 · $358M over twelve months

Operating cash flow$119M
Capital spending−$2.7M
Free cash flow+$116M
Cash / net income3.7×
Cash conversion cycle71 days

Analysis

In Q3 2026, ACI Worldwide generated $119M of operating cash flow and spent $2.7M on capital projects, leaving free cash flow of $116M. That is $46.7M more than in Q3 2025 ($69.6M).

Over the twelve months to Sep 30, 2026, operating cash flow was $376M; the largest uses were buybacks ($209M), other financing ($61.3M), other investing ($31.8M); besides operations, cash came from shares issued ($11.6M); the cash balance rose by $20.9M.

Operating cash flow was $119M against net income of $32.5M — 3.7× profit, cash ran ahead of reported earnings. The largest differences: receivables +$26.4M, depreciation & amortization +$21.7M, stock-based pay +$18.4M.

Its cash conversion cycle was 71 days (receivables 96 + inventory 0 − payables 25).

Free cash flow

ACI Worldwide: free cash flow by quarterACI Worldwide: free cash flow by quarter$120MQ4 2024$76.1MQ1 2025$47.6MQ2 2025$69.6MQ3 2025$117MQ4 2025$61.2MQ1 2026$63.9MQ2 2026$116MQ3 2026
Operating cash flow less capital spending.
ACI Worldwide: operating cash flow against capital spendingACI Worldwide: operating cash flow against capital spendingOperating cash flowCapital spending$126M$6.9MQ4 2024$78.2M$2.2MQ1 2025$49.8M$2.2MQ2 2025$73.0M$3.4MQ3 2025$122M$5.2MQ4 2025$64.2M$3.0MQ1 2026$70.8M$6.9MQ2 2026$119M$2.7MQ3 2026
Latest (Q3 2026): Operating cash flow $119M, Capital spending $2.7M.

Capital allocation, year by year

ACI Worldwide: where the cash came from (up) and went (down), by fiscal yearACI Worldwide: where the cash came from (up) and went (down), by fiscal yearOperating cash flowNet borrowingShares issuedAsset salesCapital spendingBuybacksFY2021: Operating cash flow $220MFY2021: Net borrowing −$94.0MFY2021: Shares issued $12.3MFY2021: Capital spending −$20.6MFY2021: Buybacks −$107M$233MFY2021FY2022: Operating cash flow $143MFY2022: Net borrowing $19.6MFY2022: Shares issued $8.2MFY2022: Asset sales $100MFY2022: Capital spending −$13.1MFY2022: Buybacks −$207M$271MFY2022FY2023: Operating cash flow $169MFY2023: Net borrowing $19.0MFY2023: Shares issued $9.5MFY2023: Capital spending −$8.9MFY2023: Buybacks −$27.6M$197MFY2023FY2024: Operating cash flow $359MFY2024: Net borrowing $446MFY2024: Shares issued $9.2MFY2024: Capital spending −$15.4MFY2024: Buybacks −$128M$814MFY2024FY2025: Operating cash flow $323MFY2025: Net borrowing −$70.0MFY2025: Shares issued $11.3MFY2025: Capital spending −$12.9MFY2025: Buybacks −$203M$334MFY2025
Over these 5 years operating cash flow totalled $1.2B; the largest uses were buybacks ($672M) and net borrowing ($164M). Cash-flow statements as filed.

Cash runway and the debt wall

Cash & investments$219M
Debt$817M
Net debt$598M
Due within a year$42.5M

ACI Worldwide funds itself: free cash flow was $358M over the last twelve months, and $219M of cash and investments stands against $817M of debt ($42.5M due within a year, 5.1× covered by cash).

ACI Worldwide: debt maturities by year (FY2025)ACI Worldwide: debt maturities by year (FY2025)$42.5MYear 1$42.5MYear 2$45.0MYear 3$692MYear 4
Principal due in each year as disclosed in the annual report, against $219M of cash and investments now.

Where the cash came from and went

ACI Worldwide: sources (+) and uses (−) of cash, Q3 2026ACI Worldwide: sources (+) and uses (−) of cash, Q3 2026Operating cash flow$119MBuybacks−$50.0MCash drawn (+) / kept (−)−$49.8MNet borrowing (+) / repaid (−)−$10.6MOther investing−$6.2MCapital spending−$2.7MExchange rates−$1.2MShares issued$883KOther financing$574K
ACI Worldwide: sources (+) and uses (−) of cash, TTM to Q3 2026ACI Worldwide: sources (+) and uses (−) of cash, TTM to Q3 2026Operating cash flow$376MBuybacks−$209MOther financing−$61.3MOther investing−$31.8MTaxes on employees’ shares−$27.7MCash drawn (+) / kept (−)−$20.9MCapital spending−$17.8MShares issued$11.6MNet borrowing (+) / repaid (−)−$10.0MExchange rates−$8.6M

From profit to cash

ACI Worldwide: net income to operating cash flow, Q3 2026ACI Worldwide: net income to operating cash flow, Q3 2026Net income$32.5MDepreciation & amortization$21.7MStock-based pay$18.4MDeferred taxes$287KOther non-cash$2.2MReceivables$26.4MPayables−$8.0MEmployee-related liabilities$6.7MDeferred revenue$4.0MOther operating capital$12.0MOperating cash flow$119M
Non-cash charges are added back; money tied up in receivables or inventory is subtracted.
QuarterReceivable daysInventory daysPayable daysCash conversion cycle
Q3 202696—2571
Q2 202697—2373
Q1 202695—2570
Q4 202587—2462
Q3 202582—2359
Q2 202589—2167
Q1 202591—2171
Q4 202485—2164

Every quarter

QuarterOperating cash flowCapital spendingBuybacksNet borrowing (+) / repaid (−)Shares issuedCash drawn (+) / kept (−)Free cash flow
Q3 2026$119M−$2.7M−$50.0M−$10.6M$883K−$49.8M$116M
Q2 2026$70.8M−$6.9M−$41.5M$14.4M$2.1M$17.7M$63.9M
Q1 2026$64.2M−$3.0M−$65.3M—$969K$16.9M$61.2M
Q4 2025$122M−$5.2M−$52.6M−$40.0M$7.5M−$5.6M$117M
Q3 2025$73.0M−$3.4M−$16.3M−$20.0M$1.3M$45.5M$69.6M
Q2 2025$49.8M−$2.2M−$119M$451M$1.0M$67.8M$47.6M
Q1 2025$78.2M−$2.2M−$14.4M−$79.4M$1.4M−$102M$76.1M
Q4 2024$126M−$6.9M—−$61.0M$5.2M$3.7M$120M

ACI Worldwide: income statement and cash flow

ACI Worldwide, Q3 2026: revenue $427M (-12% year over year), operating margin 12.3%. The chart follows the revenue to costs, profit and cash.

ACI Worldwide: every quarter, Q/Q and Y/Y → Open in the app

Read automatically from the company’s XBRL cash-flow statements; quarterly figures for the fourth quarter are the year less the first three. Errors are possible. Not investment advice.