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ACI WORLDWIDE, INC.（ACIW）与Forestar Group Inc.（FOR）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Forestar Group Inc.的1.6倍（$425.7M vs $273.0M），ACI WORLDWIDE, INC.净利率更高（9.0% vs 5.6%，领先3.4%），Forestar Group Inc.同比增速更快（9.0% vs 7.9%），过去两年ACI WORLDWIDE, INC.的营收复合增速更高（6.8% vs -9.6%）
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。
福雷斯特集团是一家住宅地块开发企业，总部位于得克萨斯州阿灵顿，业务覆盖美国21个州的51个市场。截至2020年12月31日的12个月内，该公司交付了11518块住宅地块，目前在纽约证券交易所上市，自2002年起就是美国规模最大的住宅建筑商D.R. Horton的控股子公司。
ACIW vs FOR — 直观对比
营收规模更大
ACIW
是对方的1.6倍
$273.0M
营收增速更快
FOR
高出1.1%
7.9%
净利率更高
ACIW
高出3.4%
5.6%
两年增速更快
ACIW
近两年复合增速
-9.6%
损益表 — Q1 FY2026 vs Q1 FY2026
| 指标 | | |
|---|---|---|
| 营收 | $425.7M | $273.0M |
| 净利润 | $38.3M | $15.4M |
| 毛利率 | — | 20.1% |
| 营业利润率 | 13.5% | 7.6% |
| 净利率 | 9.0% | 5.6% |
| 营收同比 | 7.9% | 9.0% |
| 净利润同比 | — | -6.7% |
| 每股收益（稀释后） | $0.37 | $0.30 |
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ACIWFOR
| Q1 26 | $425.7M | — | ||
| Q4 25 | $481.6M | $273.0M | ||
| Q3 25 | $482.4M | $670.5M | ||
| Q2 25 | $401.3M | $390.5M | ||
| Q1 25 | $394.6M | $351.0M | ||
| Q4 24 | $453.0M | $250.4M | ||
| Q3 24 | $451.8M | $551.3M | ||
| Q2 24 | $373.5M | $318.4M |
净利润ACIWFOR
| Q1 26 | $38.3M | — | ||
| Q4 25 | $64.3M | $15.4M | ||
| Q3 25 | $91.3M | $86.9M | ||
| Q2 25 | $12.2M | $32.9M | ||
| Q1 25 | $58.9M | $31.6M | ||
| Q4 24 | $98.6M | $16.5M | ||
| Q3 24 | $81.4M | $81.5M | ||
| Q2 24 | $30.9M | $38.7M |
毛利率ACIWFOR
| Q1 26 | — | — | ||
| Q4 25 | 53.0% | 20.1% | ||
| Q3 25 | 53.7% | 22.3% | ||
| Q2 25 | 41.5% | 20.4% | ||
| Q1 25 | 45.9% | 22.6% | ||
| Q4 24 | 55.8% | 22.0% | ||
| Q3 24 | 56.3% | 23.9% | ||
| Q2 24 | 45.6% | 22.5% |
营业利润率ACIWFOR
| Q1 26 | 13.5% | — | ||
| Q4 25 | 22.6% | 7.6% | ||
| Q3 25 | 26.5% | 16.9% | ||
| Q2 25 | 8.7% | 11.2% | ||
| Q1 25 | 14.8% | 11.6% | ||
| Q4 24 | 27.0% | 8.7% | ||
| Q3 24 | 27.1% | 19.7% | ||
| Q2 24 | 14.4% | 16.2% |
净利率ACIWFOR
| Q1 26 | 9.0% | — | ||
| Q4 25 | 13.4% | 5.6% | ||
| Q3 25 | 18.9% | 13.0% | ||
| Q2 25 | 3.0% | 8.4% | ||
| Q1 25 | 14.9% | 9.0% | ||
| Q4 24 | 21.8% | 6.6% | ||
| Q3 24 | 18.0% | 14.8% | ||
| Q2 24 | 8.3% | 12.2% |
每股收益（稀释后）ACIWFOR
| Q1 26 | $0.37 | — | ||
| Q4 25 | $0.61 | $0.30 | ||
| Q3 25 | $0.88 | $1.70 | ||
| Q2 25 | $0.12 | $0.65 | ||
| Q1 25 | $0.55 | $0.62 | ||
| Q4 24 | $0.92 | $0.32 | ||
| Q3 24 | $0.77 | $1.59 | ||
| Q2 24 | $0.29 | $0.76 |
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 | $161.8M | $211.7M |
| 总债务越低越好 | $807.4M | $793.2M |
| 股东权益账面价值 | $1.5B | $1.8B |
| 总资产 | $3.1B | $3.2B |
| 负债/权益比越低杠杆越低 | 0.54× | 0.44× |
8季度趋势，按日历期对齐
现金及短期投资ACIWFOR
| Q1 26 | $161.8M | — | ||
| Q4 25 | $196.5M | $211.7M | ||
| Q3 25 | $199.3M | $379.2M | ||
| Q2 25 | $189.7M | $189.2M | ||
| Q1 25 | $230.1M | $174.3M | ||
| Q4 24 | $216.4M | $132.0M | ||
| Q3 24 | $177.9M | $481.2M | ||
| Q2 24 | $157.0M | $359.2M |
总债务ACIWFOR
| Q1 26 | $807.4M | — | ||
| Q4 25 | $817.6M | $793.2M | ||
| Q3 25 | $867.8M | $802.7M | ||
| Q2 25 | $898.0M | $872.8M | ||
| Q1 25 | $845.9M | $872.5M | ||
| Q4 24 | $924.6M | $806.8M | ||
| Q3 24 | $994.3M | $706.4M | ||
| Q2 24 | $1.0B | $706.1M |
股东权益ACIWFOR
| Q1 26 | $1.5B | — | ||
| Q4 25 | $1.5B | $1.8B | ||
| Q3 25 | $1.5B | $1.8B | ||
| Q2 25 | $1.4B | $1.7B | ||
| Q1 25 | $1.5B | $1.6B | ||
| Q4 24 | $1.4B | $1.6B | ||
| Q3 24 | $1.3B | $1.6B | ||
| Q2 24 | $1.2B | $1.5B |
总资产ACIWFOR
| Q1 26 | $3.1B | — | ||
| Q4 25 | $3.1B | $3.2B | ||
| Q3 25 | $3.2B | $3.1B | ||
| Q2 25 | $3.1B | $3.1B | ||
| Q1 25 | $3.2B | $3.0B | ||
| Q4 24 | $3.0B | $3.0B | ||
| Q3 24 | $3.1B | $2.8B | ||
| Q2 24 | $3.4B | $2.7B |
负债/权益比ACIWFOR
| Q1 26 | 0.54× | — | ||
| Q4 25 | 0.54× | 0.44× | ||
| Q3 25 | 0.59× | 0.45× | ||
| Q2 25 | 0.64× | 0.52× | ||
| Q1 25 | 0.57× | 0.53× | ||
| Q4 24 | 0.65× | 0.50× | ||
| Q3 24 | 0.75× | 0.44× | ||
| Q2 24 | 0.82× | 0.47× |
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 | — | $-157.0M |
| 自由现金流经营现金流 - 资本支出 | — | $-157.1M |
| 自由现金流率自由现金流/营收 | — | -57.5% |
| 资本支出强度资本支出/营收 | — | 0.0% |
| 现金转化率经营现金流/净利润 | — | -10.19× |
| 过去12个月自由现金流最近4个季度 | — | $93.0M |
8季度趋势，按日历期对齐
经营现金流ACIWFOR
| Q1 26 | — | — | ||
| Q4 25 | $121.8M | $-157.0M | ||
| Q3 25 | $73.0M | $256.3M | ||
| Q2 25 | $49.8M | $15.8M | ||
| Q1 25 | $78.2M | $-19.8M | ||
| Q4 24 | $126.5M | $-450.0M | ||
| Q3 24 | $54.0M | $119.2M | ||
| Q2 24 | $55.0M | $-61.7M |
自由现金流ACIWFOR
| Q1 26 | — | — | ||
| Q4 25 | $116.6M | $-157.1M | ||
| Q3 25 | $69.6M | $255.6M | ||
| Q2 25 | $47.6M | $15.0M | ||
| Q1 25 | $76.1M | $-20.5M | ||
| Q4 24 | $119.5M | — | ||
| Q3 24 | $50.5M | $118.4M | ||
| Q2 24 | $53.3M | $-62.3M |
自由现金流率ACIWFOR
| Q1 26 | — | — | ||
| Q4 25 | 24.2% | -57.5% | ||
| Q3 25 | 14.4% | 38.1% | ||
| Q2 25 | 11.9% | 3.8% | ||
| Q1 25 | 19.3% | -5.8% | ||
| Q4 24 | 26.4% | — | ||
| Q3 24 | 11.2% | 21.5% | ||
| Q2 24 | 14.3% | -19.6% |
资本支出强度ACIWFOR
| Q1 26 | — | — | ||
| Q4 25 | 1.1% | 0.0% | ||
| Q3 25 | 0.7% | 0.1% | ||
| Q2 25 | 0.5% | 0.2% | ||
| Q1 25 | 0.5% | 0.2% | ||
| Q4 24 | 1.5% | 0.0% | ||
| Q3 24 | 0.8% | 0.1% | ||
| Q2 24 | 0.5% | 0.2% |
现金转化率ACIWFOR
| Q1 26 | — | — | ||
| Q4 25 | 1.89× | -10.19× | ||
| Q3 25 | 0.80× | 2.95× | ||
| Q2 25 | 4.08× | 0.48× | ||
| Q1 25 | 1.33× | -0.63× | ||
| Q4 24 | 1.28× | -27.27× | ||
| Q3 24 | 0.66× | 1.46× | ||
| Q2 24 | 1.78× | -1.59× |
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
| Software as a service and platform as a service | $262.0M | 62% |
| License | $88.0M | 21% |
| Maintenance | $50.9M | 12% |
| Services | $24.8M | 6% |
FOR
| D.R.Horton Inc. | $183.8M | 67% |
| Other | $89.2M | 33% |
