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ACI WORLDWIDE, INC.（ACIW）与dLocal Ltd（DLO）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dLocal Ltd的1.4倍（$481.6M vs $337.9M），dLocal Ltd净利率更高（16.5% vs 13.4%，领先3.1%），dLocal Ltd同比增速更快（65.2% vs 6.3%），ACI WORLDWIDE, INC.自由现金流更多（$116.6M vs $99.8M）
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。
dLocal是一家总部位于乌拉圭的金融科技企业，专注于提供跨境支付解决方案，搭建全球商户与新兴市场之间的支付链路，助力国际商户顺畅接入新兴市场本地支付网络，高效开展跨境业务。
ACIW vs DLO — 直观对比
营收规模更大
ACIW
是对方的1.4倍
$337.9M
营收增速更快
DLO
高出58.9%
6.3%
净利率更高
DLO
高出3.1%
13.4%
自由现金流更多
ACIW
多$16.8M
$99.8M
损益表 — Q4 FY2025 vs Q4 FY2025
| 指标 | | |
|---|---|---|
| 营收 | $481.6M | $337.9M |
| 净利润 | $64.3M | $55.6M |
| 毛利率 | 53.0% | 34.3% |
| 营业利润率 | 22.6% | 18.6% |
| 净利率 | 13.4% | 16.5% |
| 营收同比 | 6.3% | 65.2% |
| 净利润同比 | -34.7% | 87.3% |
| 每股收益（稀释后） | $0.61 | $0.18 |
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ACIWDLO
| Q4 25 | $481.6M | $337.9M | ||
| Q3 25 | $482.4M | $282.5M | ||
| Q2 25 | $401.3M | — | ||
| Q1 25 | $394.6M | — | ||
| Q4 24 | $453.0M | $204.5M | ||
| Q3 24 | $451.8M | $185.8M | ||
| Q2 24 | $373.5M | — | ||
| Q1 24 | $316.0M | — |
净利润ACIWDLO
| Q4 25 | $64.3M | $55.6M | ||
| Q3 25 | $91.3M | $141.3M | ||
| Q2 25 | $12.2M | — | ||
| Q1 25 | $58.9M | — | ||
| Q4 24 | $98.6M | $29.7M | ||
| Q3 24 | $81.4M | $90.8M | ||
| Q2 24 | $30.9M | — | ||
| Q1 24 | $-7.8M | — |
毛利率ACIWDLO
| Q4 25 | 53.0% | 34.3% | ||
| Q3 25 | 53.7% | 36.5% | ||
| Q2 25 | 41.5% | — | ||
| Q1 25 | 45.9% | — | ||
| Q4 24 | 55.8% | 40.9% | ||
| Q3 24 | 56.3% | 42.1% | ||
| Q2 24 | 45.6% | — | ||
| Q1 24 | 39.5% | — |
营业利润率ACIWDLO
| Q4 25 | 22.6% | 18.6% | ||
| Q3 25 | 26.5% | 19.7% | ||
| Q2 25 | 8.7% | — | ||
| Q1 25 | 14.8% | — | ||
| Q4 24 | 27.0% | 20.7% | ||
| Q3 24 | 27.1% | 22.1% | ||
| Q2 24 | 14.4% | — | ||
| Q1 24 | 3.0% | — |
净利率ACIWDLO
| Q4 25 | 13.4% | 16.5% | ||
| Q3 25 | 18.9% | 50.0% | ||
| Q2 25 | 3.0% | — | ||
| Q1 25 | 14.9% | — | ||
| Q4 24 | 21.8% | 14.5% | ||
| Q3 24 | 18.0% | 48.9% | ||
| Q2 24 | 8.3% | — | ||
| Q1 24 | -2.5% | — |
每股收益（稀释后）ACIWDLO
| Q4 25 | $0.61 | $0.18 | ||
| Q3 25 | $0.88 | $0.17 | ||
| Q2 25 | $0.12 | — | ||
| Q1 25 | $0.55 | — | ||
| Q4 24 | $0.92 | $0.09 | ||
| Q3 24 | $0.77 | $0.09 | ||
| Q2 24 | $0.29 | — | ||
| Q1 24 | $-0.07 | — |
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 | $719.9M |
| 总债务越低越好 | $817.6M | $86.7M |
| 股东权益账面价值 | $1.5B | $569.4M |
| 总资产 | $3.1B | $1.5B |
| 负债/权益比越低杠杆越低 | 0.54× | 0.15× |
8季度趋势，按日历期对齐
现金及短期投资ACIWDLO
| Q4 25 | $196.5M | $719.9M | ||
| Q3 25 | $199.3M | $604.5M | ||
| Q2 25 | $189.7M | — | ||
| Q1 25 | $230.1M | — | ||
| Q4 24 | $216.4M | $425.2M | ||
| Q3 24 | $177.9M | $560.5M | ||
| Q2 24 | $157.0M | — | ||
| Q1 24 | $183.4M | — |
总债务ACIWDLO
| Q4 25 | $817.6M | $86.7M | ||
| Q3 25 | $867.8M | $63.1M | ||
| Q2 25 | $898.0M | — | ||
| Q1 25 | $845.9M | — | ||
| Q4 24 | $924.6M | $39.8M | ||
| Q3 24 | $994.3M | — | ||
| Q2 24 | $1.0B | — | ||
| Q1 24 | $1.0B | — |
股东权益ACIWDLO
| Q4 25 | $1.5B | $569.4M | ||
| Q3 25 | $1.5B | $504.7M | ||
| Q2 25 | $1.4B | — | ||
| Q1 25 | $1.5B | — | ||
| Q4 24 | $1.4B | $489.0M | ||
| Q3 24 | $1.3B | $457.0M | ||
| Q2 24 | $1.2B | — | ||
| Q1 24 | $1.3B | — |
总资产ACIWDLO
| Q4 25 | $3.1B | $1.5B | ||
| Q3 25 | $3.2B | $1.4B | ||
| Q2 25 | $3.1B | — | ||
| Q1 25 | $3.2B | — | ||
| Q4 24 | $3.0B | $1.2B | ||
| Q3 24 | $3.1B | — | ||
| Q2 24 | $3.4B | — | ||
| Q1 24 | $3.3B | — |
负债/权益比ACIWDLO
| Q4 25 | 0.54× | 0.15× | ||
| Q3 25 | 0.59× | 0.12× | ||
| Q2 25 | 0.64× | — | ||
| Q1 25 | 0.57× | — | ||
| Q4 24 | 0.65× | 0.08× | ||
| 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 | $100.4M |
| 自由现金流经营现金流 - 资本支出 | $116.6M | $99.8M |
| 自由现金流率自由现金流/营收 | 24.2% | 29.5% |
| 资本支出强度资本支出/营收 | 1.1% | 0.2% |
| 现金转化率经营现金流/净利润 | 1.89× | 1.80× |
| 过去12个月自由现金流最近4个季度 | $309.9M | $378.7M |
8季度趋势，按日历期对齐
经营现金流ACIWDLO
| Q4 25 | $121.8M | $100.4M | ||
| Q3 25 | $73.0M | $315.0M | ||
| Q2 25 | $49.8M | — | ||
| Q1 25 | $78.2M | — | ||
| Q4 24 | $126.5M | $-141.1M | ||
| Q3 24 | $54.0M | $108.3M | ||
| Q2 24 | $55.0M | — | ||
| Q1 24 | $123.2M | — |
自由现金流ACIWDLO
| Q4 25 | $116.6M | $99.8M | ||
| Q3 25 | $69.6M | $313.4M | ||
| Q2 25 | $47.6M | — | ||
| Q1 25 | $76.1M | — | ||
| Q4 24 | $119.5M | $-141.6M | ||
| Q3 24 | $50.5M | $107.1M | ||
| Q2 24 | $53.3M | — | ||
| Q1 24 | $120.0M | — |
自由现金流率ACIWDLO
| Q4 25 | 24.2% | 29.5% | ||
| Q3 25 | 14.4% | 110.9% | ||
| Q2 25 | 11.9% | — | ||
| Q1 25 | 19.3% | — | ||
| Q4 24 | 26.4% | -69.2% | ||
| Q3 24 | 11.2% | 57.6% | ||
| Q2 24 | 14.3% | — | ||
| Q1 24 | 38.0% | — |
资本支出强度ACIWDLO
| Q4 25 | 1.1% | 0.2% | ||
| Q3 25 | 0.7% | 0.6% | ||
| Q2 25 | 0.5% | — | ||
| Q1 25 | 0.5% | — | ||
| Q4 24 | 1.5% | 0.2% | ||
| Q3 24 | 0.8% | 0.7% | ||
| Q2 24 | 0.5% | — | ||
| Q1 24 | 1.0% | — |
现金转化率ACIWDLO
| Q4 25 | 1.89× | 1.80× | ||
| Q3 25 | 0.80× | 2.23× | ||
| Q2 25 | 4.08× | — | ||
| Q1 25 | 1.33× | — | ||
| Q4 24 | 1.28× | -4.75× | ||
| Q3 24 | 0.66× | 1.19× | ||
| 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% |
DLO
暂无分部数据
