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ACI WORLDWIDE, INC.（ACIW）与Gen Digital（GEN）财务数据对比。点击上方公司名可切换其他公司
Gen Digital的季度营收约是ACI WORLDWIDE, INC.的2.6倍（$1.2B vs $481.6M）。Gen Digital净利率更高（15.5% vs 13.4%，领先2.1%）。Gen Digital同比增速更快（28.5% vs 6.3%）。过去两年ACI WORLDWIDE, INC.的营收复合增速更高（23.4% vs 13.4%）
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。
Gen Digital是一家跨国软件企业，双总部分别设于美国亚利桑那州坦佩和欧盟捷克布拉格，是财富500强企业及标普500指数成分股，同时在纳斯达克与布拉格证券交易所挂牌上市。公司主营网络安全软件、金融科技及相关服务，旗下拥有诺顿、Avast、LifeLock、AVG、CCleaner等多个知名品牌。
ACIW vs GEN — 直观对比
营收规模更大
GEN
是对方的2.6倍
$481.6M
营收增速更快
GEN
高出22.2%
6.3%
净利率更高
GEN
高出2.1%
13.4%
两年增速更快
ACIW
近两年复合增速
13.4%
损益表 — Q4 2025 vs Q1 2026
| 指标 | | |
|---|---|---|
| 营收 | $481.6M | $1.2B |
| 净利润 | $64.3M | $192.0M |
| 毛利率 | 53.0% | 78.4% |
| 营业利润率 | 22.6% | 34.9% |
| 净利率 | 13.4% | 15.5% |
| 营收同比 | 6.3% | 28.5% |
| 净利润同比 | -34.7% | 6.1% |
| 每股收益（稀释后） | $0.61 | $0.31 |
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ACIWGEN
| Q1 26 | — | $1.2B | ||
| Q4 25 | $481.6M | $1.2B | ||
| Q3 25 | $482.4M | $1.3B | ||
| Q2 25 | $401.3M | — | ||
| Q1 25 | $394.6M | $1.0B | ||
| Q4 24 | $453.0M | $986.0M | ||
| Q3 24 | $451.8M | $974.0M | ||
| Q2 24 | $373.5M | $965.0M |
净利润ACIWGEN
| Q1 26 | — | $192.0M | ||
| Q4 25 | $64.3M | $134.0M | ||
| Q3 25 | $91.3M | $135.0M | ||
| Q2 25 | $12.2M | — | ||
| Q1 25 | $58.9M | $142.0M | ||
| Q4 24 | $98.6M | $159.0M | ||
| Q3 24 | $81.4M | $161.0M | ||
| Q2 24 | $30.9M | $181.0M |
毛利率ACIWGEN
| Q1 26 | — | 78.4% | ||
| Q4 25 | 53.0% | 78.2% | ||
| Q3 25 | 53.7% | 78.8% | ||
| Q2 25 | 41.5% | — | ||
| Q1 25 | 45.9% | 80.3% | ||
| Q4 24 | 55.8% | 80.4% | ||
| Q3 24 | 56.3% | 80.1% | ||
| Q2 24 | 45.6% | 80.3% |
营业利润率ACIWGEN
| Q1 26 | — | 34.9% | ||
| Q4 25 | 22.6% | 35.9% | ||
| Q3 25 | 26.5% | 35.5% | ||
| Q2 25 | 8.7% | — | ||
| Q1 25 | 14.8% | 41.3% | ||
| Q4 24 | 27.0% | 37.9% | ||
| Q3 24 | 27.1% | 41.3% | ||
| Q2 24 | 14.4% | 43.2% |
净利率ACIWGEN
| Q1 26 | — | 15.5% | ||
| Q4 25 | 13.4% | 11.0% | ||
| Q3 25 | 18.9% | 10.7% | ||
| Q2 25 | 3.0% | — | ||
| Q1 25 | 14.9% | 14.1% | ||
| Q4 24 | 21.8% | 16.1% | ||
| Q3 24 | 18.0% | 16.5% | ||
| Q2 24 | 8.3% | 18.8% |
每股收益（稀释后）ACIWGEN
| Q1 26 | — | $0.31 | ||
| Q4 25 | $0.61 | $0.21 | ||
| Q3 25 | $0.88 | $0.22 | ||
| Q2 25 | $0.12 | — | ||
| Q1 25 | $0.55 | $0.22 | ||
| Q4 24 | $0.92 | $0.26 | ||
| Q3 24 | $0.77 | $0.26 | ||
| Q2 24 | $0.29 | $0.29 |
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 | $8.4B |
| 股东权益账面价值 | $1.5B | $2.3B |
| 总资产 | $3.1B | $15.8B |
| 负债/权益比越低杠杆越低 | 0.54× | 3.61× |
8季度趋势，按日历期对齐
现金及短期投资ACIWGEN
| Q1 26 | — | — | ||
| Q4 25 | $196.5M | — | ||
| Q3 25 | $199.3M | — | ||
| Q2 25 | $189.7M | — | ||
| Q1 25 | $230.1M | $1.0B | ||
| Q4 24 | $216.4M | $883.0M | ||
| Q3 24 | $177.9M | $737.0M | ||
| Q2 24 | $157.0M | $644.0M |
总债务ACIWGEN
| Q1 26 | — | $8.4B | ||
| Q4 25 | $817.6M | $8.7B | ||
| Q3 25 | $867.8M | $8.9B | ||
| Q2 25 | $898.0M | — | ||
| Q1 25 | $845.9M | $8.3B | ||
| Q4 24 | $924.6M | $8.5B | ||
| Q3 24 | $994.3M | $8.5B | ||
| Q2 24 | $1.0B | $8.5B |
股东权益ACIWGEN
| Q1 26 | — | $2.3B | ||
| Q4 25 | $1.5B | $2.5B | ||
| Q3 25 | $1.5B | $2.4B | ||
| Q2 25 | $1.4B | — | ||
| Q1 25 | $1.5B | $2.3B | ||
| Q4 24 | $1.4B | $2.2B | ||
| Q3 24 | $1.3B | $2.1B | ||
| Q2 24 | $1.2B | $2.0B |
总资产ACIWGEN
| Q1 26 | — | $15.8B | ||
| Q4 25 | $3.1B | $16.1B | ||
| Q3 25 | $3.2B | $16.4B | ||
| Q2 25 | $3.1B | — | ||
| Q1 25 | $3.2B | $15.5B | ||
| Q4 24 | $3.0B | $15.4B | ||
| Q3 24 | $3.1B | $15.5B | ||
| Q2 24 | $3.4B | $15.4B |
负债/权益比ACIWGEN
| Q1 26 | — | 3.61× | ||
| Q4 25 | 0.54× | 3.54× | ||
| Q3 25 | 0.59× | 3.75× | ||
| Q2 25 | 0.64× | — | ||
| Q1 25 | 0.57× | 3.64× | ||
| Q4 24 | 0.65× | 3.94× | ||
| Q3 24 | 0.75× | 4.06× | ||
| Q2 24 | 0.82× | 4.33× |
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 | — |
| 自由现金流经营现金流 - 资本支出 | $116.6M | — |
| 自由现金流率自由现金流/营收 | 24.2% | — |
| 资本支出强度资本支出/营收 | 1.1% | — |
| 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 | — |
8季度趋势，按日历期对齐
经营现金流ACIWGEN
| Q1 26 | — | — | ||
| Q4 25 | $121.8M | $541.0M | ||
| Q3 25 | $73.0M | $409.0M | ||
| Q2 25 | $49.8M | — | ||
| Q1 25 | $78.2M | $473.0M | ||
| Q4 24 | $126.5M | $326.0M | ||
| Q3 24 | $54.0M | $158.0M | ||
| Q2 24 | $55.0M | $264.0M |
自由现金流ACIWGEN
| Q1 26 | — | — | ||
| Q4 25 | $116.6M | $535.0M | ||
| Q3 25 | $69.6M | $405.0M | ||
| Q2 25 | $47.6M | — | ||
| Q1 25 | $76.1M | $470.0M | ||
| Q4 24 | $119.5M | $318.0M | ||
| Q3 24 | $50.5M | $156.0M | ||
| Q2 24 | $53.3M | $262.0M |
自由现金流率ACIWGEN
| Q1 26 | — | — | ||
| Q4 25 | 24.2% | 43.9% | ||
| Q3 25 | 14.4% | 32.2% | ||
| Q2 25 | 11.9% | — | ||
| Q1 25 | 19.3% | 46.5% | ||
| Q4 24 | 26.4% | 32.3% | ||
| Q3 24 | 11.2% | 16.0% | ||
| Q2 24 | 14.3% | 27.2% |
资本支出强度ACIWGEN
| Q1 26 | — | — | ||
| Q4 25 | 1.1% | 0.5% | ||
| Q3 25 | 0.7% | 0.3% | ||
| Q2 25 | 0.5% | — | ||
| Q1 25 | 0.5% | 0.3% | ||
| Q4 24 | 1.5% | 0.8% | ||
| Q3 24 | 0.8% | 0.2% | ||
| Q2 24 | 0.5% | 0.2% |
现金转化率ACIWGEN
| Q1 26 | — | — | ||
| Q4 25 | 1.89× | 4.04× | ||
| Q3 25 | 0.80× | 3.03× | ||
| Q2 25 | 4.08× | — | ||
| Q1 25 | 1.33× | 3.33× | ||
| Q4 24 | 1.28× | 2.05× | ||
| Q3 24 | 0.66× | 0.98× | ||
| Q2 24 | 1.78× | 1.46× |
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% |
GEN
| Cyber Safety Platform | $819.0M | 66% |
| Trust Based Solutions | $421.0M | 34% |
| Net Interest Income On Notes Receivable | $4.0M | 0% |
