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ACI WORLDWIDE, INC.（ACIW）与BOK FINANCIAL CORP（BOKF）财务数据对比。点击上方公司名可切换其他公司
BOK FINANCIAL CORP的季度营收约是ACI WORLDWIDE, INC.的1.2倍（$589.6M vs $481.6M），BOK FINANCIAL CORP净利率更高（30.1% vs 13.4%，领先16.7%），BOK FINANCIAL CORP同比增速更快（12.7% vs 6.3%），BOK FINANCIAL CORP自由现金流更多（$575.2M vs $116.6M），过去两年ACI WORLDWIDE, INC.的营收复合增速更高（23.4% vs 13.8%）
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。
BOK金融集团是总部位于美国俄克拉荷马州塔尔萨市的金融服务控股企业，业务覆盖美国中西部及西南部地区，提供全品类零售与商业银行产品及服务，是美国排名前50的金融服务机构，同时也是俄克拉荷马州规模最大的金融企业。
ACIW vs BOKF — 直观对比
营收规模更大
BOKF
是对方的1.2倍
$481.6M
营收增速更快
BOKF
高出6.4%
6.3%
净利率更高
BOKF
高出16.7%
13.4%
自由现金流更多
BOKF
多$458.6M
$116.6M
两年增速更快
ACIW
近两年复合增速
13.8%
损益表 — Q4 FY2025 vs Q4 FY2025
| 指标 | | |
|---|---|---|
| 营收 | $481.6M | $589.6M |
| 净利润 | $64.3M | $177.3M |
| 毛利率 | 53.0% | — |
| 营业利润率 | 22.6% | 38.8% |
| 净利率 | 13.4% | 30.1% |
| 营收同比 | 6.3% | 12.7% |
| 净利润同比 | -34.7% | 30.2% |
| 每股收益（稀释后） | $0.61 | $2.90 |
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ACIWBOKF
| Q4 25 | $481.6M | $589.6M | ||
| Q3 25 | $482.4M | $548.4M | ||
| Q2 25 | $401.3M | $535.3M | ||
| Q1 25 | $394.6M | $502.3M | ||
| Q4 24 | $453.0M | $523.1M | ||
| Q3 24 | $451.8M | $516.3M | ||
| Q2 24 | $373.5M | $555.7M | ||
| Q1 24 | $316.0M | $455.3M |
净利润ACIWBOKF
| Q4 25 | $64.3M | $177.3M | ||
| Q3 25 | $91.3M | $140.9M | ||
| Q2 25 | $12.2M | $140.0M | ||
| Q1 25 | $58.9M | $119.8M | ||
| Q4 24 | $98.6M | $136.2M | ||
| Q3 24 | $81.4M | $140.0M | ||
| Q2 24 | $30.9M | $163.7M | ||
| Q1 24 | $-7.8M | $83.7M |
毛利率ACIWBOKF
| 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 24 | 39.5% | — |
营业利润率ACIWBOKF
| Q4 25 | 22.6% | 38.8% | ||
| Q3 25 | 26.5% | 32.2% | ||
| Q2 25 | 8.7% | 33.8% | ||
| Q1 25 | 14.8% | 30.8% | ||
| Q4 24 | 27.0% | 33.5% | ||
| Q3 24 | 27.1% | 33.6% | ||
| Q2 24 | 14.4% | 38.0% | ||
| Q1 24 | 3.0% | 23.5% |
净利率ACIWBOKF
| Q4 25 | 13.4% | 30.1% | ||
| Q3 25 | 18.9% | 25.7% | ||
| Q2 25 | 3.0% | 26.2% | ||
| Q1 25 | 14.9% | 23.8% | ||
| Q4 24 | 21.8% | 26.0% | ||
| Q3 24 | 18.0% | 27.1% | ||
| Q2 24 | 8.3% | 29.5% | ||
| Q1 24 | -2.5% | 18.4% |
每股收益（稀释后）ACIWBOKF
| Q4 25 | $0.61 | $2.90 | ||
| Q3 25 | $0.88 | $2.22 | ||
| Q2 25 | $0.12 | $2.19 | ||
| Q1 25 | $0.55 | $1.86 | ||
| Q4 24 | $0.92 | $2.13 | ||
| Q3 24 | $0.77 | $2.18 | ||
| Q2 24 | $0.29 | $2.54 | ||
| Q1 24 | $-0.07 | $1.29 |
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 | — |
| 总债务越低越好 | $817.6M | $4.6B |
| 股东权益账面价值 | $1.5B | $5.9B |
| 总资产 | $3.1B | $52.2B |
| 负债/权益比越低杠杆越低 | 0.54× | 0.78× |
8季度趋势，按日历期对齐
现金及短期投资ACIWBOKF
| 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 24 | $183.4M | — |
总债务ACIWBOKF
| Q4 25 | $817.6M | $4.6B | ||
| Q3 25 | $867.8M | — | ||
| Q2 25 | $898.0M | — | ||
| Q1 25 | $845.9M | — | ||
| Q4 24 | $924.6M | $4.5B | ||
| Q3 24 | $994.3M | — | ||
| Q2 24 | $1.0B | — | ||
| Q1 24 | $1.0B | — |
股东权益ACIWBOKF
| Q4 25 | $1.5B | $5.9B | ||
| Q3 25 | $1.5B | $6.0B | ||
| Q2 25 | $1.4B | $5.9B | ||
| Q1 25 | $1.5B | $5.8B | ||
| Q4 24 | $1.4B | $5.5B | ||
| Q3 24 | $1.3B | $5.6B | ||
| Q2 24 | $1.2B | $5.2B | ||
| Q1 24 | $1.3B | $5.1B |
总资产ACIWBOKF
| Q4 25 | $3.1B | $52.2B | ||
| Q3 25 | $3.2B | $50.2B | ||
| Q2 25 | $3.1B | $51.0B | ||
| Q1 25 | $3.2B | $50.5B | ||
| Q4 24 | $3.0B | $49.7B | ||
| Q3 24 | $3.1B | $50.1B | ||
| Q2 24 | $3.4B | $50.4B | ||
| Q1 24 | $3.3B | $50.2B |
负债/权益比ACIWBOKF
| Q4 25 | 0.54× | 0.78× | ||
| Q3 25 | 0.59× | — | ||
| Q2 25 | 0.64× | — | ||
| Q1 25 | 0.57× | — | ||
| Q4 24 | 0.65× | 0.80× | ||
| 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 | $739.6M |
| 自由现金流经营现金流 - 资本支出 | $116.6M | $575.2M |
| 自由现金流率自由现金流/营收 | 24.2% | 97.6% |
| 资本支出强度资本支出/营收 | 1.1% | 27.9% |
| 现金转化率经营现金流/净利润 | 1.89× | 4.17× |
| 过去12个月自由现金流最近4个季度 | $309.9M | $1.4B |
8季度趋势，按日历期对齐
经营现金流ACIWBOKF
| Q4 25 | $121.8M | $739.6M | ||
| Q3 25 | $73.0M | $867.8M | ||
| Q2 25 | $49.8M | $89.4M | ||
| Q1 25 | $78.2M | $20.3M | ||
| Q4 24 | $126.5M | $1.4B | ||
| Q3 24 | $54.0M | $246.7M | ||
| Q2 24 | $55.0M | $463.5M | ||
| Q1 24 | $123.2M | $179.2M |
自由现金流ACIWBOKF
| Q4 25 | $116.6M | $575.2M | ||
| Q3 25 | $69.6M | $838.5M | ||
| Q2 25 | $47.6M | $60.8M | ||
| Q1 25 | $76.1M | $-28.0M | ||
| Q4 24 | $119.5M | $1.3B | ||
| Q3 24 | $50.5M | $209.5M | ||
| Q2 24 | $53.3M | $417.2M | ||
| Q1 24 | $120.0M | $138.3M |
自由现金流率ACIWBOKF
| Q4 25 | 24.2% | 97.6% | ||
| Q3 25 | 14.4% | 152.9% | ||
| Q2 25 | 11.9% | 11.4% | ||
| Q1 25 | 19.3% | -5.6% | ||
| Q4 24 | 26.4% | 240.7% | ||
| Q3 24 | 11.2% | 40.6% | ||
| Q2 24 | 14.3% | 75.1% | ||
| Q1 24 | 38.0% | 30.4% |
资本支出强度ACIWBOKF
| Q4 25 | 1.1% | 27.9% | ||
| Q3 25 | 0.7% | 5.3% | ||
| Q2 25 | 0.5% | 5.3% | ||
| Q1 25 | 0.5% | 9.6% | ||
| Q4 24 | 1.5% | 32.8% | ||
| Q3 24 | 0.8% | 7.2% | ||
| Q2 24 | 0.5% | 8.3% | ||
| Q1 24 | 1.0% | 9.0% |
现金转化率ACIWBOKF
| Q4 25 | 1.89× | 4.17× | ||
| Q3 25 | 0.80× | 6.16× | ||
| Q2 25 | 4.08× | 0.64× | ||
| Q1 25 | 1.33× | 0.17× | ||
| Q4 24 | 1.28× | 10.51× | ||
| Q3 24 | 0.66× | 1.76× | ||
| Q2 24 | 1.78× | 2.83× | ||
| Q1 24 | — | 2.14× |
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% |
BOKF
暂无分部数据
