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ACI WORLDWIDE, INC.（ACIW）与Intuit（INTU）财务数据对比。点击上方公司名可切换其他公司
Intuit的季度营收约是ACI WORLDWIDE, INC.的8.1倍（$3.9B vs $481.6M）。ACI WORLDWIDE, INC.净利率更高（13.4% vs 11.5%，领先1.9%）。Intuit同比增速更快（18.3% vs 6.3%）。Intuit自由现金流更多（$599.0M vs $116.6M）。过去两年ACI WORLDWIDE, INC.的营收复合增速更高（23.4% vs 7.1%）
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。
Intuit是总部位于美国加利福尼亚州山景城的跨国商业软件企业，专注于财务软件领域，现任首席执行官为萨桑·古达齐。旗下核心产品包括报税软件TurboTax、小微企业会计软件QuickBooks、信用监测及个人理财服务Credit Karma、邮件营销平台Mailchimp，服务覆盖个人及企业财税、营销等多个场景。
ACIW vs INTU — 直观对比
营收规模更大
INTU
是对方的8.1倍
$481.6M
营收增速更快
INTU
高出12.0%
6.3%
净利率更高
ACIW
高出1.9%
11.5%
自由现金流更多
INTU
多$482.4M
$116.6M
两年增速更快
ACIW
近两年复合增速
7.1%
损益表 — Q4 2025 vs Q1 2026
| 指标 | | |
|---|---|---|
| 营收 | $481.6M | $3.9B |
| 净利润 | $64.3M | $446.0M |
| 毛利率 | 53.0% | — |
| 营业利润率 | 22.6% | 13.7% |
| 净利率 | 13.4% | 11.5% |
| 营收同比 | 6.3% | 18.3% |
| 净利润同比 | -34.7% | 126.4% |
| 每股收益（稀释后） | $0.61 | $1.59 |
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ACIWINTU
| Q4 25 | $481.6M | $3.9B | ||
| Q3 25 | $482.4M | $3.8B | ||
| Q2 25 | $401.3M | $7.8B | ||
| Q1 25 | $394.6M | $4.0B | ||
| Q4 24 | $453.0M | $3.3B | ||
| Q3 24 | $451.8M | $3.2B | ||
| Q2 24 | $373.5M | $6.7B | ||
| Q1 24 | $316.0M | $3.4B |
净利润ACIWINTU
| Q4 25 | $64.3M | $446.0M | ||
| Q3 25 | $91.3M | $381.0M | ||
| Q2 25 | $12.2M | $2.8B | ||
| Q1 25 | $58.9M | $471.0M | ||
| Q4 24 | $98.6M | $197.0M | ||
| Q3 24 | $81.4M | $-20.0M | ||
| Q2 24 | $30.9M | $2.4B | ||
| Q1 24 | $-7.8M | $353.0M |
毛利率ACIWINTU
| 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ACIWINTU
| Q4 25 | 22.6% | 13.7% | ||
| Q3 25 | 26.5% | 8.8% | ||
| Q2 25 | 8.7% | 48.0% | ||
| Q1 25 | 14.8% | 15.0% | ||
| Q4 24 | 27.0% | 8.3% | ||
| Q3 24 | 27.1% | -4.7% | ||
| Q2 24 | 14.4% | 46.1% | ||
| Q1 24 | 3.0% | 10.9% |
净利率ACIWINTU
| Q4 25 | 13.4% | 11.5% | ||
| Q3 25 | 18.9% | 9.9% | ||
| Q2 25 | 3.0% | 36.4% | ||
| Q1 25 | 14.9% | 11.9% | ||
| Q4 24 | 21.8% | 6.0% | ||
| Q3 24 | 18.0% | -0.6% | ||
| Q2 24 | 8.3% | 35.5% | ||
| Q1 24 | -2.5% | 10.4% |
每股收益（稀释后）ACIWINTU
| Q4 25 | $0.61 | $1.59 | ||
| Q3 25 | $0.88 | $1.28 | ||
| Q2 25 | $0.12 | $10.02 | ||
| Q1 25 | $0.55 | $1.67 | ||
| Q4 24 | $0.92 | $0.70 | ||
| Q3 24 | $0.77 | $-0.09 | ||
| Q2 24 | $0.29 | $8.42 | ||
| Q1 24 | $-0.07 | $1.25 |
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 | $3.5B |
| 总债务越低越好 | $817.6M | $6.1B |
| 股东权益账面价值 | $1.5B | $19.3B |
| 总资产 | $3.1B | $33.2B |
| 负债/权益比越低杠杆越低 | 0.54× | 0.32× |
8季度趋势，按日历期对齐
现金及短期投资ACIWINTU
| Q4 25 | $196.5M | $3.5B | ||
| Q3 25 | $199.3M | $2.9B | ||
| Q2 25 | $189.7M | $5.4B | ||
| Q1 25 | $230.1M | $2.4B | ||
| Q4 24 | $216.4M | $2.9B | ||
| Q3 24 | $177.9M | $3.6B | ||
| Q2 24 | $157.0M | $4.2B | ||
| Q1 24 | $183.4M | $1.5B |
总债务ACIWINTU
| Q4 25 | $817.6M | $6.1B | ||
| Q3 25 | $867.8M | $6.0B | ||
| Q2 25 | $898.0M | $6.4B | ||
| Q1 25 | $845.9M | $6.3B | ||
| Q4 24 | $924.6M | $6.1B | ||
| Q3 24 | $994.3M | $6.0B | ||
| Q2 24 | $1.0B | $6.0B | ||
| Q1 24 | $1.0B | $6.0B |
股东权益ACIWINTU
| Q4 25 | $1.5B | $19.3B | ||
| Q3 25 | $1.5B | $19.7B | ||
| Q2 25 | $1.4B | $20.1B | ||
| Q1 25 | $1.5B | $17.9B | ||
| Q4 24 | $1.4B | $18.1B | ||
| Q3 24 | $1.3B | $18.4B | ||
| Q2 24 | $1.2B | $18.8B | ||
| Q1 24 | $1.3B | $16.9B |
总资产ACIWINTU
| Q4 25 | $3.1B | $33.2B | ||
| Q3 25 | $3.2B | $37.0B | ||
| Q2 25 | $3.1B | $36.6B | ||
| Q1 25 | $3.2B | $31.7B | ||
| Q4 24 | $3.0B | $33.2B | ||
| Q3 24 | $3.1B | $32.1B | ||
| Q2 24 | $3.4B | $31.6B | ||
| Q1 24 | $3.3B | $29.7B |
负债/权益比ACIWINTU
| Q4 25 | 0.54× | 0.32× | ||
| Q3 25 | 0.59× | 0.30× | ||
| Q2 25 | 0.64× | 0.32× | ||
| Q1 25 | 0.57× | 0.35× | ||
| Q4 24 | 0.65× | 0.34× | ||
| Q3 24 | 0.75× | 0.33× | ||
| Q2 24 | 0.82× | 0.32× | ||
| Q1 24 | 0.81× | 0.35× |
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 | $637.0M |
| 自由现金流经营现金流 - 资本支出 | $116.6M | $599.0M |
| 自由现金流率自由现金流/营收 | 24.2% | 15.4% |
| 资本支出强度资本支出/营收 | 1.1% | 1.0% |
| 现金转化率经营现金流/净利润 | 1.89× | 1.43× |
| 过去12个月自由现金流最近4个季度 | $309.9M | $6.4B |
8季度趋势，按日历期对齐
经营现金流ACIWINTU
| Q4 25 | $121.8M | $637.0M | ||
| Q3 25 | $73.0M | $381.0M | ||
| Q2 25 | $49.8M | $4.4B | ||
| Q1 25 | $78.2M | $1.1B | ||
| Q4 24 | $126.5M | $362.0M | ||
| Q3 24 | $54.0M | $417.0M | ||
| Q2 24 | $55.0M | $4.0B | ||
| Q1 24 | $123.2M | $613.0M |
自由现金流ACIWINTU
| Q4 25 | $116.6M | $599.0M | ||
| Q3 25 | $69.6M | $366.0M | ||
| Q2 25 | $47.6M | $4.4B | ||
| Q1 25 | $76.1M | $1.0B | ||
| Q4 24 | $119.5M | $329.0M | ||
| Q3 24 | $50.5M | $400.0M | ||
| Q2 24 | $53.3M | $3.9B | ||
| Q1 24 | $120.0M | $550.0M |
自由现金流率ACIWINTU
| Q4 25 | 24.2% | 15.4% | ||
| Q3 25 | 14.4% | 9.6% | ||
| Q2 25 | 11.9% | 56.2% | ||
| Q1 25 | 19.3% | 26.2% | ||
| Q4 24 | 26.4% | 10.0% | ||
| Q3 24 | 11.2% | 12.6% | ||
| Q2 24 | 14.3% | 57.7% | ||
| Q1 24 | 38.0% | 16.2% |
资本支出强度ACIWINTU
| Q4 25 | 1.1% | 1.0% | ||
| Q3 25 | 0.7% | 0.4% | ||
| Q2 25 | 0.5% | 0.5% | ||
| Q1 25 | 0.5% | 0.8% | ||
| Q4 24 | 1.5% | 1.0% | ||
| Q3 24 | 0.8% | 0.5% | ||
| Q2 24 | 0.5% | 0.9% | ||
| Q1 24 | 1.0% | 1.9% |
现金转化率ACIWINTU
| Q4 25 | 1.89× | 1.43× | ||
| Q3 25 | 0.80× | 1.00× | ||
| Q2 25 | 4.08× | 1.56× | ||
| Q1 25 | 1.33× | 2.27× | ||
| Q4 24 | 1.28× | 1.84× | ||
| Q3 24 | 0.66× | — | ||
| Q2 24 | 1.78× | 1.65× | ||
| Q1 24 | — | 1.74× |
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% |
INTU
| Quick Books Online Accounting | $1.2B | 32% |
| Product And Other | $779.0M | 20% |
| Credit Karma | $616.0M | 16% |
| Turbo Tax | $581.0M | 15% |
| Quick Books Desktop Accounting | $408.0M | 11% |
| Pro Tax | $290.0M | 7% |
