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ACI WORLDWIDE, INC.（ACIW）与Remitly Global, Inc.（RELY）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Remitly Global, Inc.的1.1倍（$481.6M vs $442.2M），ACI WORLDWIDE, INC.净利率更高（13.4% vs 9.3%，领先4.0%），Remitly Global, Inc.同比增速更快（25.7% vs 6.3%），Remitly Global, Inc.自由现金流更多（$143.3M vs $116.6M），过去两年Remitly Global, Inc.的营收复合增速更高（28.2% vs 23.4%）
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。
Remitly Global是总部位于美国西雅图的跨境汇款服务提供商，2011年由马修·奥本海默、乔希·哈格与希瓦斯·古拉蒂共同创立，主要为用户提供覆盖全球170多个国家和地区的国际汇款服务，2021年9月在纳斯达克交易所上市。
ACIW vs RELY — 直观对比
营收规模更大
ACIW
是对方的1.1倍
$442.2M
营收增速更快
RELY
高出19.4%
6.3%
净利率更高
ACIW
高出4.0%
9.3%
自由现金流更多
RELY
多$26.7M
$116.6M
两年增速更快
RELY
近两年复合增速
23.4%
损益表 — Q4 FY2025 vs Q4 FY2025
| 指标 | | |
|---|---|---|
| 营收 | $481.6M | $442.2M |
| 净利润 | $64.3M | $41.2M |
| 毛利率 | 53.0% | — |
| 营业利润率 | 22.6% | 8.8% |
| 净利率 | 13.4% | 9.3% |
| 营收同比 | 6.3% | 25.7% |
| 净利润同比 | -34.7% | 820.1% |
| 每股收益（稀释后） | $0.61 | $0.19 |
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ACIWRELY
| Q4 25 | $481.6M | $442.2M | ||
| Q3 25 | $482.4M | $419.5M | ||
| Q2 25 | $401.3M | $411.9M | ||
| Q1 25 | $394.6M | $361.6M | ||
| Q4 24 | $453.0M | $351.9M | ||
| Q3 24 | $451.8M | $336.5M | ||
| Q2 24 | $373.5M | $306.4M | ||
| Q1 24 | $316.0M | $269.1M |
净利润ACIWRELY
| Q4 25 | $64.3M | $41.2M | ||
| Q3 25 | $91.3M | $8.8M | ||
| Q2 25 | $12.2M | $6.5M | ||
| Q1 25 | $58.9M | $11.4M | ||
| Q4 24 | $98.6M | $-5.7M | ||
| Q3 24 | $81.4M | $1.9M | ||
| Q2 24 | $30.9M | $-12.1M | ||
| Q1 24 | $-7.8M | $-21.1M |
毛利率ACIWRELY
| 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ACIWRELY
| Q4 25 | 22.6% | 8.8% | ||
| Q3 25 | 26.5% | 2.8% | ||
| Q2 25 | 8.7% | 3.6% | ||
| Q1 25 | 14.8% | 3.4% | ||
| Q4 24 | 27.0% | -1.1% | ||
| Q3 24 | 27.1% | 0.1% | ||
| Q2 24 | 14.4% | -5.1% | ||
| Q1 24 | 3.0% | -7.4% |
净利率ACIWRELY
| Q4 25 | 13.4% | 9.3% | ||
| Q3 25 | 18.9% | 2.1% | ||
| Q2 25 | 3.0% | 1.6% | ||
| Q1 25 | 14.9% | 3.1% | ||
| Q4 24 | 21.8% | -1.6% | ||
| Q3 24 | 18.0% | 0.6% | ||
| Q2 24 | 8.3% | -3.9% | ||
| Q1 24 | -2.5% | -7.8% |
每股收益（稀释后）ACIWRELY
| Q4 25 | $0.61 | $0.19 | ||
| Q3 25 | $0.88 | $0.04 | ||
| Q2 25 | $0.12 | $0.03 | ||
| Q1 25 | $0.55 | $0.05 | ||
| Q4 24 | $0.92 | $-0.03 | ||
| Q3 24 | $0.77 | $0.01 | ||
| Q2 24 | $0.29 | $-0.06 | ||
| Q1 24 | $-0.07 | $-0.11 |
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 | $542.4M |
| 总债务越低越好 | $817.6M | — |
| 股东权益账面价值 | $1.5B | $868.8M |
| 总资产 | $3.1B | $1.5B |
| 负债/权益比越低杠杆越低 | 0.54× | — |
8季度趋势，按日历期对齐
现金及短期投资ACIWRELY
| Q4 25 | $196.5M | $542.4M | ||
| Q3 25 | $199.3M | $476.9M | ||
| Q2 25 | $189.7M | $515.9M | ||
| Q1 25 | $230.1M | $493.9M | ||
| Q4 24 | $216.4M | $368.1M | ||
| Q3 24 | $177.9M | $324.4M | ||
| Q2 24 | $157.0M | $185.2M | ||
| Q1 24 | $183.4M | $286.0M |
总债务ACIWRELY
| Q4 25 | $817.6M | — | ||
| Q3 25 | $867.8M | — | ||
| Q2 25 | $898.0M | — | ||
| Q1 25 | $845.9M | — | ||
| Q4 24 | $924.6M | — | ||
| Q3 24 | $994.3M | — | ||
| Q2 24 | $1.0B | — | ||
| Q1 24 | $1.0B | — |
股东权益ACIWRELY
| Q4 25 | $1.5B | $868.8M | ||
| Q3 25 | $1.5B | $797.2M | ||
| Q2 25 | $1.4B | $764.9M | ||
| Q1 25 | $1.5B | $723.5M | ||
| Q4 24 | $1.4B | $665.5M | ||
| Q3 24 | $1.3B | $630.8M | ||
| Q2 24 | $1.2B | $578.9M | ||
| Q1 24 | $1.3B | $549.4M |
总资产ACIWRELY
| Q4 25 | $3.1B | $1.5B | ||
| Q3 25 | $3.2B | $1.2B | ||
| Q2 25 | $3.1B | $1.2B | ||
| Q1 25 | $3.2B | $1.1B | ||
| Q4 24 | $3.0B | $1.0B | ||
| Q3 24 | $3.1B | $970.4M | ||
| Q2 24 | $3.4B | $950.2M | ||
| Q1 24 | $3.3B | $1.1B |
负债/权益比ACIWRELY
| Q4 25 | 0.54× | — | ||
| Q3 25 | 0.59× | — | ||
| Q2 25 | 0.64× | — | ||
| Q1 25 | 0.57× | — | ||
| Q4 24 | 0.65× | — | ||
| 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 | $149.6M |
| 自由现金流经营现金流 - 资本支出 | $116.6M | $143.3M |
| 自由现金流率自由现金流/营收 | 24.2% | 32.4% |
| 资本支出强度资本支出/营收 | 1.1% | 1.4% |
| 现金转化率经营现金流/净利润 | 1.89× | 3.63× |
| 过去12个月自由现金流最近4个季度 | $309.9M | $288.7M |
8季度趋势，按日历期对齐
经营现金流ACIWRELY
| Q4 25 | $121.8M | $149.6M | ||
| Q3 25 | $73.0M | $1.4M | ||
| Q2 25 | $49.8M | $41.2M | ||
| Q1 25 | $78.2M | $132.9M | ||
| Q4 24 | $126.5M | $-27.3M | ||
| Q3 24 | $54.0M | $146.8M | ||
| Q2 24 | $55.0M | $48.9M | ||
| Q1 24 | $123.2M | $-56.8M |
自由现金流ACIWRELY
| Q4 25 | $116.6M | $143.3M | ||
| Q3 25 | $69.6M | $-2.1M | ||
| Q2 25 | $47.6M | $28.6M | ||
| Q1 25 | $76.1M | $118.9M | ||
| Q4 24 | $119.5M | $-30.1M | ||
| Q3 24 | $50.5M | $145.6M | ||
| Q2 24 | $53.3M | $47.8M | ||
| Q1 24 | $120.0M | $-57.8M |
自由现金流率ACIWRELY
| Q4 25 | 24.2% | 32.4% | ||
| Q3 25 | 14.4% | -0.5% | ||
| Q2 25 | 11.9% | 6.9% | ||
| Q1 25 | 19.3% | 32.9% | ||
| Q4 24 | 26.4% | -8.5% | ||
| Q3 24 | 11.2% | 43.3% | ||
| Q2 24 | 14.3% | 15.6% | ||
| Q1 24 | 38.0% | -21.5% |
资本支出强度ACIWRELY
| Q4 25 | 1.1% | 1.4% | ||
| Q3 25 | 0.7% | 0.8% | ||
| Q2 25 | 0.5% | 3.1% | ||
| Q1 25 | 0.5% | 3.9% | ||
| Q4 24 | 1.5% | 0.8% | ||
| Q3 24 | 0.8% | 0.3% | ||
| Q2 24 | 0.5% | 0.4% | ||
| Q1 24 | 1.0% | 0.4% |
现金转化率ACIWRELY
| Q4 25 | 1.89× | 3.63× | ||
| Q3 25 | 0.80× | 0.16× | ||
| Q2 25 | 4.08× | 6.30× | ||
| Q1 25 | 1.33× | 11.71× | ||
| Q4 24 | 1.28× | — | ||
| Q3 24 | 0.66× | 76.56× | ||
| 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% |
RELY
暂无分部数据
