ACI Worldwide, Inc. — Earnings Quality Grade F
ACIW · Technology
Major red flags
Screening Summary
Management Signals
Financial Trends
Revenue & Net Income ($B)
Margins (%)
18-Point Screening
Revenue Quality
DSO 42 days, change -3 days YoY
AR growth 2.8% vs revenue growth 10.4%
Revenue grew 10.4% but CFFO declined -10.0%
Expense Quality
No material inventory
CapEx growth -26.0% vs revenue 10.4%. Normal
SG&A/Gross Profit = 31.1%. Normal
Gross margin 49.0%, change -1.3pp. Stable
Cash Flow Quality
CFFO/NI = 1.42. Profits backed by cash
FCF $0.3B, FCF/NI = 1.28
Accruals ratio = -3.1%. Low accruals
Cash $0.2B covers only 23% of debt $0.8B
Balance Sheet Health
Goodwill+Intangibles $1.5B = 96% of equity. Over 50%
Debt/EBITDA = 1.8x. Healthy
Other assets -45.5% vs revenue 10.4%. Normal
No write-off data
Acquisition Risk
FCF after acquisitions positive
Goodwill+Intangibles change -2% YoY. Normal
Manipulation Score
M-Score = -2.58 (< -2.22). Unlikely manipulator
Portfolio monitoring
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Beneish M-Score
Altman Z-Score
Generated from public financial data using forensic accounting frameworks. Not investment advice. Data: Yahoo Finance · 2026-04-25