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Side-by-side financial comparison of ACI WORLDWIDE, INC. (ACIW) and Hilltop Holdings Inc. (HTH). Click either name above to swap in a different company.
ACI WORLDWIDE, INC. is the larger business by last-quarter revenue ($481.6M vs $300.5M, roughly 1.6× Hilltop Holdings Inc.). ACI WORLDWIDE, INC. runs the higher net margin — 13.4% vs 13.0%, a 0.4% gap on every dollar of revenue. Over the past eight quarters, ACI WORLDWIDE, INC.'s revenue compounded faster (13.6% CAGR vs 0.6%).
ACI Worldwide is a digital payments software company headquartered in Elkhorn, Nebraska, that processes billions of transactions daily equating to trillions of U.S. dollars for customers in 94 countries. Banks, financial institutions, merchants, billers, acquirers, issuers, and other third-party payment service providers use its intelligent solutions to deploy secure payment rails across all channels.
Hilltop Holdings Inc. is a financial holding company based in Dallas, Texas. It offers financial products and banking services through three primary subsidiaries: PlainsCapital Bank, PrimeLending, and HilltopSecurities.
ACIW vs HTH — Head-to-Head
Income Statement — Q1 FY2026 vs Q1 FY2026
| Metric | | |
|---|---|---|
| Revenue | $481.6M | $300.5M |
| Net Profit | $64.3M | $39.0M |
| Gross Margin | — | — |
| Operating Margin | 22.6% | — |
| Net Margin | 13.4% | 13.0% |
| Revenue YoY | 6.3% | — |
| Net Profit YoY | — | -12.4% |
| EPS (diluted) | $0.62 | $0.64 |
Green = leading value per metric. Periods may differ when fiscal calendars don't align.
8-Quarter Revenue & Profit Trend
Side-by-side quarterly history. Quarters aligned by calendar period so offset fiscal years line up.
| Q1 26 | $481.6M | $300.5M | ||
| Q4 25 | $481.6M | $329.9M | ||
| Q3 25 | $482.4M | $330.2M | ||
| Q2 25 | $401.3M | $303.3M | ||
| Q1 25 | $394.6M | $318.5M | ||
| Q4 24 | $453.0M | $301.1M | ||
| Q3 24 | $451.8M | $305.5M | ||
| Q2 24 | $373.5M | $297.0M |
| Q1 26 | $64.3M | $39.0M | ||
| Q4 25 | $64.3M | $41.6M | ||
| Q3 25 | $91.3M | $45.8M | ||
| Q2 25 | $12.2M | $36.1M | ||
| Q1 25 | $58.9M | $42.1M | ||
| Q4 24 | $98.6M | $35.5M | ||
| Q3 24 | $81.4M | $29.7M | ||
| Q2 24 | $30.9M | $20.3M |
| Q1 26 | — | — | ||
| Q4 25 | 53.0% | — | ||
| Q3 25 | 53.7% | — | ||
| Q2 25 | 41.5% | — | ||
| Q1 25 | 45.9% | — | ||
| Q4 24 | 55.8% | — | ||
| Q3 24 | 56.3% | — | ||
| Q2 24 | 45.6% | — |
| Q1 26 | 22.6% | — | ||
| Q4 25 | 22.6% | 16.1% | ||
| Q3 25 | 26.5% | 18.4% | ||
| Q2 25 | 8.7% | 16.3% | ||
| Q1 25 | 14.8% | 18.1% | ||
| Q4 24 | 27.0% | 14.7% | ||
| Q3 24 | 27.1% | 13.9% | ||
| Q2 24 | 14.4% | 10.0% |
| Q1 26 | 13.4% | 13.0% | ||
| Q4 25 | 13.4% | 12.6% | ||
| Q3 25 | 18.9% | 13.9% | ||
| Q2 25 | 3.0% | 11.9% | ||
| Q1 25 | 14.9% | 13.2% | ||
| Q4 24 | 21.8% | 11.8% | ||
| Q3 24 | 18.0% | 9.7% | ||
| Q2 24 | 8.3% | 6.8% |
| Q1 26 | $0.62 | $0.64 | ||
| Q4 25 | $0.61 | $0.68 | ||
| Q3 25 | $0.88 | $0.74 | ||
| Q2 25 | $0.12 | $0.57 | ||
| Q1 25 | $0.55 | $0.65 | ||
| Q4 24 | $0.92 | $0.55 | ||
| Q3 24 | $0.77 | $0.46 | ||
| Q2 24 | $0.29 | $0.31 |
Balance Sheet & Financial Strength
Snapshot of each company's liquidity, leverage and book value from the latest quarter.
| Metric | | |
|---|---|---|
| Cash + ST InvestmentsLiquidity on hand | $196.5M | — |
| Total DebtLower is stronger | $817.6M | $990.8M |
| Stockholders' EquityBook value | $1.5B | $2.2B |
| Total Assets | $3.1B | $15.7B |
| Debt / EquityLower = less leverage | 0.54× | 0.46× |
8-quarter trend — quarters aligned by calendar period.
| Q1 26 | $196.5M | — | ||
| Q4 25 | $196.5M | — | ||
| Q3 25 | $199.3M | — | ||
| Q2 25 | $189.7M | — | ||
| Q1 25 | $230.1M | — | ||
| Q4 24 | $216.4M | — | ||
| Q3 24 | $177.9M | — | ||
| Q2 24 | $157.0M | — |
| Q1 26 | $817.6M | $990.8M | ||
| Q4 25 | $817.6M | — | ||
| Q3 25 | $867.8M | — | ||
| Q2 25 | $898.0M | — | ||
| Q1 25 | $845.9M | — | ||
| Q4 24 | $924.6M | — | ||
| Q3 24 | $994.3M | — | ||
| Q2 24 | $1.0B | — |
| Q1 26 | $1.5B | $2.2B | ||
| Q4 25 | $1.5B | $2.2B | ||
| Q3 25 | $1.5B | $2.2B | ||
| Q2 25 | $1.4B | $2.2B | ||
| Q1 25 | $1.5B | $2.2B | ||
| Q4 24 | $1.4B | $2.2B | ||
| Q3 24 | $1.3B | $2.2B | ||
| Q2 24 | $1.2B | $2.1B |
| Q1 26 | $3.1B | $15.7B | ||
| Q4 25 | $3.1B | $15.8B | ||
| Q3 25 | $3.2B | $15.6B | ||
| Q2 25 | $3.1B | $15.4B | ||
| Q1 25 | $3.2B | $15.8B | ||
| Q4 24 | $3.0B | $16.3B | ||
| Q3 24 | $3.1B | $15.9B | ||
| Q2 24 | $3.4B | $15.6B |
| Q1 26 | 0.54× | 0.46× | ||
| Q4 25 | 0.54× | — | ||
| Q3 25 | 0.59× | — | ||
| Q2 25 | 0.64× | — | ||
| Q1 25 | 0.57× | — | ||
| Q4 24 | 0.65× | — | ||
| Q3 24 | 0.75× | — | ||
| Q2 24 | 0.82× | — |
Financial Flow Comparison
Revenue → gross profit → operating profit → net profit for each company.
Revenue Breakdown by Segment
ACIW
| Software as a service and platform as a service | $253.2M | 53% |
| License | $158.3M | 33% |
| Maintenance | $50.8M | 11% |
| Services | $19.3M | 4% |
HTH
| Noninterest Income | $188.4M | 63% |
| Net Interest Income | $112.1M | 37% |
