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ACI WORLDWIDE, INC.（ACIW）与ALKAMI TECHNOLOGY, INC.（ALKT）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ALKAMI TECHNOLOGY, INC.的4.0倍（$481.6M vs $120.8M）。ALKAMI TECHNOLOGY, INC.同比增速更快（34.7% vs 6.3%）。ACI WORLDWIDE, INC.自由现金流更多（$116.6M vs $16.2M）。过去两年ALKAMI TECHNOLOGY, INC.的营收复合增速更高（26.0% vs 23.4%）
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。
Alkami科技是一家面向美国市场的云原生数字银行解决方案提供商，主要为社区银行、信用合作社等金融机构提供在线及移动银行系统、支付处理工具、数据分析模块与客户互动功能，助力合作机构优化终端用户的数字银行使用体验。
ACIW vs ALKT — 直观对比
营收规模更大
ACIW
是对方的4.0倍
$120.8M
营收增速更快
ALKT
高出28.4%
6.3%
自由现金流更多
ACIW
多$100.4M
$16.2M
两年增速更快
ALKT
近两年复合增速
23.4%
损益表 — Q4 2025 vs Q4 2025
| 指标 | | |
|---|---|---|
| 营收 | $481.6M | $120.8M |
| 净利润 | $64.3M | — |
| 毛利率 | 53.0% | 57.2% |
| 营业利润率 | 22.6% | -7.9% |
| 净利率 | 13.4% | — |
| 营收同比 | 6.3% | 34.7% |
| 净利润同比 | -34.7% | — |
| 每股收益（稀释后） | $0.61 | $-0.11 |
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ACIWALKT
| Q4 25 | $481.6M | $120.8M | ||
| Q3 25 | $482.4M | $113.0M | ||
| Q2 25 | $401.3M | $112.1M | ||
| Q1 25 | $394.6M | $97.8M | ||
| Q4 24 | $453.0M | $89.7M | ||
| Q3 24 | $451.8M | $85.9M | ||
| Q2 24 | $373.5M | $82.2M | ||
| Q1 24 | $316.0M | $76.1M |
净利润ACIWALKT
| Q4 25 | $64.3M | — | ||
| Q3 25 | $91.3M | $-14.8M | ||
| Q2 25 | $12.2M | $-13.6M | ||
| Q1 25 | $58.9M | — | ||
| Q4 24 | $98.6M | — | ||
| Q3 24 | $81.4M | $-9.4M | ||
| Q2 24 | $30.9M | $-12.3M | ||
| Q1 24 | $-7.8M | — |
毛利率ACIWALKT
| Q4 25 | 53.0% | 57.2% | ||
| Q3 25 | 53.7% | 56.8% | ||
| Q2 25 | 41.5% | 58.6% | ||
| Q1 25 | 45.9% | 59.0% | ||
| Q4 24 | 55.8% | 59.3% | ||
| Q3 24 | 56.3% | 58.9% | ||
| Q2 24 | 45.6% | 59.4% | ||
| Q1 24 | 39.5% | 57.8% |
营业利润率ACIWALKT
| Q4 25 | 22.6% | -7.9% | ||
| Q3 25 | 26.5% | -11.4% | ||
| Q2 25 | 8.7% | -14.2% | ||
| Q1 25 | 14.8% | -15.7% | ||
| Q4 24 | 27.0% | -9.6% | ||
| Q3 24 | 27.1% | -12.1% | ||
| Q2 24 | 14.4% | -16.1% | ||
| Q1 24 | 3.0% | -16.2% |
净利率ACIWALKT
| Q4 25 | 13.4% | — | ||
| Q3 25 | 18.9% | -13.1% | ||
| Q2 25 | 3.0% | -12.1% | ||
| Q1 25 | 14.9% | — | ||
| Q4 24 | 21.8% | — | ||
| Q3 24 | 18.0% | -11.0% | ||
| Q2 24 | 8.3% | -15.0% | ||
| Q1 24 | -2.5% | — |
每股收益（稀释后）ACIWALKT
| Q4 25 | $0.61 | $-0.11 | ||
| Q3 25 | $0.88 | $-0.14 | ||
| Q2 25 | $0.12 | $-0.13 | ||
| Q1 25 | $0.55 | $-0.08 | ||
| Q4 24 | $0.92 | $-0.07 | ||
| Q3 24 | $0.77 | $-0.09 | ||
| Q2 24 | $0.29 | $-0.13 | ||
| Q1 24 | $-0.07 | $-0.12 |
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 | $63.5M |
| 总债务越低越好 | $817.6M | — |
| 股东权益账面价值 | $1.5B | $362.0M |
| 总资产 | $3.1B | $847.2M |
| 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ACIWALKT
| Q4 25 | $196.5M | $63.5M | ||
| Q3 25 | $199.3M | $57.3M | ||
| Q2 25 | $189.7M | $52.4M | ||
| Q1 25 | $230.1M | $61.7M | ||
| Q4 24 | $216.4M | $94.4M | ||
| Q3 24 | $177.9M | $81.0M | ||
| Q2 24 | $157.0M | $61.4M | ||
| Q1 24 | $183.4M | $44.2M |
总债务ACIWALKT
| 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ACIWALKT
| Q4 25 | $1.5B | $362.0M | ||
| Q3 25 | $1.5B | $350.1M | ||
| Q2 25 | $1.4B | $344.0M | ||
| Q1 25 | $1.5B | $334.0M | ||
| Q4 24 | $1.4B | $357.0M | ||
| Q3 24 | $1.3B | $338.5M | ||
| Q2 24 | $1.2B | $327.2M | ||
| Q1 24 | $1.3B | $322.9M |
总资产ACIWALKT
| Q4 25 | $3.1B | $847.2M | ||
| Q3 25 | $3.2B | $835.2M | ||
| Q2 25 | $3.1B | $840.4M | ||
| Q1 25 | $3.2B | $837.2M | ||
| Q4 24 | $3.0B | $437.3M | ||
| Q3 24 | $3.1B | $422.2M | ||
| Q2 24 | $3.4B | $403.9M | ||
| Q1 24 | $3.3B | $397.6M |
负债/权益比ACIWALKT
| 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 | $16.6M |
| 自由现金流经营现金流 - 资本支出 | $116.6M | $16.2M |
| 自由现金流率自由现金流/营收 | 24.2% | 13.4% |
| 资本支出强度资本支出/营收 | 1.1% | 0.3% |
| 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 | $41.4M |
8季度趋势，按日历期对齐
经营现金流ACIWALKT
| Q4 25 | $121.8M | $16.6M | ||
| Q3 25 | $73.0M | $30.8M | ||
| Q2 25 | $49.8M | $1.2M | ||
| Q1 25 | $78.2M | $-5.7M | ||
| Q4 24 | $126.5M | $6.1M | ||
| Q3 24 | $54.0M | $11.0M | ||
| Q2 24 | $55.0M | $548.0K | ||
| Q1 24 | $123.2M | $951.0K |
自由现金流ACIWALKT
| Q4 25 | $116.6M | $16.2M | ||
| Q3 25 | $69.6M | $30.5M | ||
| Q2 25 | $47.6M | $760.0K | ||
| Q1 25 | $76.1M | $-6.1M | ||
| Q4 24 | $119.5M | $6.0M | ||
| Q3 24 | $50.5M | $10.7M | ||
| Q2 24 | $53.3M | $123.0K | ||
| Q1 24 | $120.0M | $645.0K |
自由现金流率ACIWALKT
| Q4 25 | 24.2% | 13.4% | ||
| Q3 25 | 14.4% | 27.0% | ||
| Q2 25 | 11.9% | 0.7% | ||
| Q1 25 | 19.3% | -6.3% | ||
| Q4 24 | 26.4% | 6.6% | ||
| Q3 24 | 11.2% | 12.4% | ||
| Q2 24 | 14.3% | 0.1% | ||
| Q1 24 | 38.0% | 0.8% |
资本支出强度ACIWALKT
| Q4 25 | 1.1% | 0.3% | ||
| Q3 25 | 0.7% | 0.2% | ||
| Q2 25 | 0.5% | 0.4% | ||
| Q1 25 | 0.5% | 0.5% | ||
| Q4 24 | 1.5% | 0.2% | ||
| Q3 24 | 0.8% | 0.4% | ||
| Q2 24 | 0.5% | 0.5% | ||
| Q1 24 | 1.0% | 0.4% |
现金转化率ACIWALKT
| 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% |
ALKT
| Saa S Subscription Services | $115.1M | 95% |
| Implementation Services | $3.6M | 3% |
| Service Other | $2.1M | 2% |
