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ACI WORLDWIDE, INC.（ACIW）与C3.ai, Inc.（AI）财务数据对比。点击上方公司名可切换其他公司
ACI WORLDWIDE, INC.的季度营收约是C3.ai, Inc.的6.4倍（$481.6M vs $75.1M）。ACI WORLDWIDE, INC.净利率更高（13.4% vs -139.3%，领先152.6%）。ACI WORLDWIDE, INC.同比增速更快（6.3% vs -20.3%）。ACI WORLDWIDE, INC.自由现金流更多（$116.6M vs $-46.9M）。过去两年ACI WORLDWIDE, INC.的营收复合增速更高（23.4% vs -2.1%）
ACI Worldwide是全球领先的数字支付软件企业，总部位于美国内布拉斯加州埃尔克霍恩，为94个国家的客户提供服务，每日处理数十亿笔交易，总价值达数万亿美元。其智能解决方案服务于银行、金融机构、商户、账单服务商、收单机构、发卡机构及第三方支付服务商，支持全渠道搭建安全支付体系。
C3.ai是全球领先的企业级人工智能软件供应商，主要开发销售可扩展的AI应用、平台工具及垂直行业定制解决方案，服务覆盖制造、能源、金融、医疗、公共部门等领域，助力客户优化运营、降本增效、管控风险，实现数据驱动的业务决策。
ACIW vs AI — 直观对比
营收规模更大
ACIW
是对方的6.4倍
$75.1M
营收增速更快
ACIW
高出26.6%
-20.3%
净利率更高
ACIW
高出152.6%
-139.3%
自由现金流更多
ACIW
多$163.5M
$-46.9M
两年增速更快
ACIW
近两年复合增速
-2.1%
损益表 — Q4 2025 vs Q2 2026
| 指标 | | |
|---|---|---|
| 营收 | $481.6M | $75.1M |
| 净利润 | $64.3M | $-104.7M |
| 毛利率 | 53.0% | 40.4% |
| 营业利润率 | 22.6% | -149.2% |
| 净利率 | 13.4% | -139.3% |
| 营收同比 | 6.3% | -20.3% |
| 净利润同比 | -34.7% | -58.7% |
| 每股收益（稀释后） | $0.61 | $-0.75 |
绿色 = 该指标领先。财年不对齐时期间可能不同
8季度营收与利润趋势
并排季度历史对比，按日历期对齐，财年错位的公司也能正确匹配
营收ACIWAI
| Q4 25 | $481.6M | $75.1M | ||
| Q3 25 | $482.4M | $70.3M | ||
| Q2 25 | $401.3M | $108.7M | ||
| Q1 25 | $394.6M | $98.8M | ||
| Q4 24 | $453.0M | $94.3M | ||
| Q3 24 | $451.8M | $87.2M | ||
| Q2 24 | $373.5M | $86.6M | ||
| Q1 24 | $316.0M | $78.4M |
净利润ACIWAI
| Q4 25 | $64.3M | $-104.7M | ||
| Q3 25 | $91.3M | $-116.8M | ||
| Q2 25 | $12.2M | $-79.7M | ||
| Q1 25 | $58.9M | $-80.2M | ||
| Q4 24 | $98.6M | $-66.0M | ||
| Q3 24 | $81.4M | $-62.8M | ||
| Q2 24 | $30.9M | $-72.9M | ||
| Q1 24 | $-7.8M | $-72.6M |
毛利率ACIWAI
| Q4 25 | 53.0% | 40.4% | ||
| Q3 25 | 53.7% | 37.6% | ||
| Q2 25 | 41.5% | 62.1% | ||
| Q1 25 | 45.9% | 59.1% | ||
| Q4 24 | 55.8% | 61.3% | ||
| Q3 24 | 56.3% | 59.8% | ||
| Q2 24 | 45.6% | 59.6% | ||
| Q1 24 | 39.5% | 57.8% |
营业利润率ACIWAI
| Q4 25 | 22.6% | -149.2% | ||
| Q3 25 | 26.5% | -177.7% | ||
| Q2 25 | 8.7% | -81.8% | ||
| Q1 25 | 14.8% | -88.7% | ||
| Q4 24 | 27.0% | -79.8% | ||
| Q3 24 | 27.1% | -83.2% | ||
| Q2 24 | 14.4% | -95.1% | ||
| Q1 24 | 3.0% | -105.3% |
净利率ACIWAI
| Q4 25 | 13.4% | -139.3% | ||
| Q3 25 | 18.9% | -166.2% | ||
| Q2 25 | 3.0% | -73.3% | ||
| Q1 25 | 14.9% | -81.2% | ||
| Q4 24 | 21.8% | -69.9% | ||
| Q3 24 | 18.0% | -72.0% | ||
| Q2 24 | 8.3% | -84.2% | ||
| Q1 24 | -2.5% | -92.6% |
每股收益（稀释后）ACIWAI
| Q4 25 | $0.61 | $-0.75 | ||
| Q3 25 | $0.88 | $-0.86 | ||
| Q2 25 | $0.12 | $-0.60 | ||
| Q1 25 | $0.55 | $-0.62 | ||
| Q4 24 | $0.92 | $-0.52 | ||
| Q3 24 | $0.77 | $-0.50 | ||
| Q2 24 | $0.29 | $-0.59 | ||
| Q1 24 | $-0.07 | $-0.60 |
资产负债表与财务实力
最新季度各公司的流动性、杠杆与账面价值一览
| 指标 | | |
|---|---|---|
| 现金及短期投资手头流动性 | $196.5M | $675.0M |
| 总债务越低越好 | $817.6M | — |
| 股东权益账面价值 | $1.5B | $771.9M |
| 总资产 | $3.1B | $961.3M |
| 负债/权益比越低杠杆越低 | 0.54× | — |
8季度趋势，按日历期对齐
现金及短期投资ACIWAI
| Q4 25 | $196.5M | $675.0M | ||
| Q3 25 | $199.3M | $711.9M | ||
| Q2 25 | $189.7M | $742.7M | ||
| Q1 25 | $230.1M | $724.3M | ||
| Q4 24 | $216.4M | $730.4M | ||
| Q3 24 | $177.9M | $762.5M | ||
| Q2 24 | $157.0M | $750.4M | ||
| Q1 24 | $183.4M | $723.3M |
总债务ACIWAI
| 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 24 | $1.0B | — |
股东权益ACIWAI
| Q4 25 | $1.5B | $771.9M | ||
| Q3 25 | $1.5B | $798.8M | ||
| Q2 25 | $1.4B | $838.3M | ||
| Q1 25 | $1.5B | $860.2M | ||
| Q4 24 | $1.4B | $859.0M | ||
| Q3 24 | $1.3B | $874.9M | ||
| Q2 24 | $1.2B | $873.4M | ||
| Q1 24 | $1.3B | $898.0M |
总资产ACIWAI
| Q4 25 | $3.1B | $961.3M | ||
| Q3 25 | $3.2B | $968.7M | ||
| Q2 25 | $3.1B | $1.0B | ||
| Q1 25 | $3.2B | $1.1B | ||
| Q4 24 | $3.0B | $1.0B | ||
| Q3 24 | $3.1B | $1.1B | ||
| Q2 24 | $3.4B | $1.0B | ||
| Q1 24 | $3.3B | $1.1B |
负债/权益比ACIWAI
| 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× | — | ||
| Q1 24 | 0.81× | — |
现金流与资本效率
扣除再投资后实际产生的现金。现金流比净利润更难造假
| 指标 | | |
|---|---|---|
| 经营现金流最新季度 | $121.8M | $-46.5M |
| 自由现金流经营现金流 - 资本支出 | $116.6M | $-46.9M |
| 自由现金流率自由现金流/营收 | 24.2% | -62.4% |
| 资本支出强度资本支出/营收 | 1.1% | 0.5% |
| 现金转化率经营现金流/净利润 | 1.89× | — |
| 过去12个月自由现金流最近4个季度 | $309.9M | $-93.2M |
8季度趋势，按日历期对齐
经营现金流ACIWAI
| Q4 25 | $121.8M | $-46.5M | ||
| Q3 25 | $73.0M | $-33.5M | ||
| Q2 25 | $49.8M | $11.3M | ||
| Q1 25 | $78.2M | $-22.0M | ||
| Q4 24 | $126.5M | $-38.7M | ||
| Q3 24 | $54.0M | $8.0M | ||
| Q2 24 | $55.0M | $21.3M | ||
| Q1 24 | $123.2M | $-39.1M |
自由现金流ACIWAI
| Q4 25 | $116.6M | $-46.9M | ||
| Q3 25 | $69.6M | $-34.3M | ||
| Q2 25 | $47.6M | $10.3M | ||
| Q1 25 | $76.1M | $-22.4M | ||
| Q4 24 | $119.5M | $-39.5M | ||
| Q3 24 | $50.5M | $7.1M | ||
| Q2 24 | $53.3M | $18.8M | ||
| Q1 24 | $120.0M | $-45.1M |
自由现金流率ACIWAI
| Q4 25 | 24.2% | -62.4% | ||
| Q3 25 | 14.4% | -48.8% | ||
| Q2 25 | 11.9% | 9.5% | ||
| Q1 25 | 19.3% | -22.7% | ||
| Q4 24 | 26.4% | -41.9% | ||
| Q3 24 | 11.2% | 8.2% | ||
| Q2 24 | 14.3% | 21.7% | ||
| Q1 24 | 38.0% | -57.6% |
资本支出强度ACIWAI
| Q4 25 | 1.1% | 0.5% | ||
| Q3 25 | 0.7% | 1.1% | ||
| Q2 25 | 0.5% | 0.9% | ||
| Q1 25 | 0.5% | 0.4% | ||
| Q4 24 | 1.5% | 0.9% | ||
| Q3 24 | 0.8% | 1.1% | ||
| Q2 24 | 0.5% | 2.9% | ||
| Q1 24 | 1.0% | 7.8% |
现金转化率ACIWAI
| Q4 25 | 1.89× | — | ||
| Q3 25 | 0.80× | — | ||
| Q2 25 | 4.08× | — | ||
| Q1 25 | 1.33× | — | ||
| Q4 24 | 1.28× | — | ||
| Q3 24 | 0.66× | — | ||
| Q2 24 | 1.78× | — | ||
| Q1 24 | — | — |
财务流量对比
营收 → 毛利润 → 营业利润 → 净利润流向图
业务分部营收拆解
ACIW
| Issuing And Acquiring | $183.7M | 38% |
| License | $158.3M | 33% |
| Maintenance | $50.8M | 11% |
| Software And Platform Service | $49.6M | 10% |
| Merchant Payments | $42.4M | 9% |
AI
| License And Service | $70.2M | 93% |
| Professional Services | $4.9M | 7% |
