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ACI WORLDWIDE, INC.（ACIW）与ROYAL GOLD INC（RGLD）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ROYAL GOLD INC的1.3倍（$481.6M vs $375.3M），ROYAL GOLD INC净利率更高（24.9% vs 13.4%，领先11.6%），ROYAL GOLD INC同比增速更快（85.3% vs 6.3%），过去两年ROYAL GOLD INC的营收复合增速更高（58.8% 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。
Royal Gold Inc.是全球领先的贵金属流权与特许权经营企业，收购并管理多元化的矿业项目流权、净熔炼收益特许权及相关权益，资产覆盖黄金、白银、铜等品类，业务遍及多地区，无需直接承担采矿运营风险。
ACIW vs RGLD — 直观对比
营收规模更大
ACIW
是对方的1.3倍
$375.3M
营收增速更快
RGLD
高出79.0%
6.3%
净利率更高
RGLD
高出11.6%
13.4%
两年增速更快
RGLD
近两年复合增速
23.4%
损益表 — Q4 FY2025 vs Q4 FY2025
| 指标 | | |
|---|---|---|
| 营收 | $481.6M | $375.3M |
| 净利润 | $64.3M | $93.6M |
| 毛利率 | 53.0% | 64.6% |
| 营业利润率 | 22.6% | 56.2% |
| 净利率 | 13.4% | 24.9% |
| 营收同比 | 6.3% | 85.3% |
| 净利润同比 | -34.7% | -12.8% |
| 每股收益（稀释后） | $0.61 | $1.04 |
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ACIWRGLD
| Q4 25 | $481.6M | $375.3M | ||
| Q3 25 | $482.4M | $252.1M | ||
| Q2 25 | $401.3M | $209.6M | ||
| Q1 25 | $394.6M | $193.4M | ||
| Q4 24 | $453.0M | $202.6M | ||
| Q3 24 | $451.8M | $193.8M | ||
| Q2 24 | $373.5M | $174.1M | ||
| Q1 24 | $316.0M | $148.9M |
净利润ACIWRGLD
| Q4 25 | $64.3M | $93.6M | ||
| Q3 25 | $91.3M | $126.8M | ||
| Q2 25 | $12.2M | $132.3M | ||
| Q1 25 | $58.9M | $113.5M | ||
| Q4 24 | $98.6M | $107.4M | ||
| Q3 24 | $81.4M | $96.2M | ||
| Q2 24 | $30.9M | $81.2M | ||
| Q1 24 | $-7.8M | $47.2M |
毛利率ACIWRGLD
| Q4 25 | 53.0% | 64.6% | ||
| Q3 25 | 53.7% | 73.6% | ||
| Q2 25 | 41.5% | 72.6% | ||
| Q1 25 | 45.9% | 69.4% | ||
| Q4 24 | 55.8% | 70.3% | ||
| Q3 24 | 56.3% | 66.6% | ||
| Q2 24 | 45.6% | 64.7% | ||
| Q1 24 | 39.5% | 58.4% |
营业利润率ACIWRGLD
| Q4 25 | 22.6% | 56.2% | ||
| Q3 25 | 26.5% | 64.4% | ||
| Q2 25 | 8.7% | 67.7% | ||
| Q1 25 | 14.8% | 63.6% | ||
| Q4 24 | 27.0% | 65.9% | ||
| Q3 24 | 27.1% | 61.3% | ||
| Q2 24 | 14.4% | 58.6% | ||
| Q1 24 | 3.0% | 50.7% |
净利率ACIWRGLD
| Q4 25 | 13.4% | 24.9% | ||
| Q3 25 | 18.9% | 50.3% | ||
| Q2 25 | 3.0% | 63.1% | ||
| Q1 25 | 14.9% | 58.7% | ||
| Q4 24 | 21.8% | 53.0% | ||
| Q3 24 | 18.0% | 49.7% | ||
| Q2 24 | 8.3% | 46.6% | ||
| Q1 24 | -2.5% | 31.7% |
每股收益（稀释后）ACIWRGLD
| Q4 25 | $0.61 | $1.04 | ||
| Q3 25 | $0.88 | $1.92 | ||
| Q2 25 | $0.12 | $2.01 | ||
| Q1 25 | $0.55 | $1.72 | ||
| Q4 24 | $0.92 | $1.63 | ||
| Q3 24 | $0.77 | $1.46 | ||
| Q2 24 | $0.29 | $1.23 | ||
| Q1 24 | $-0.07 | $0.72 |
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 | $233.7M |
| 总债务越低越好 | $817.6M | — |
| 股东权益账面价值 | $1.5B | $7.2B |
| 总资产 | $3.1B | $9.5B |
| 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ACIWRGLD
| Q4 25 | $196.5M | $233.7M | ||
| Q3 25 | $199.3M | $172.8M | ||
| Q2 25 | $189.7M | $248.2M | ||
| Q1 25 | $230.1M | $240.8M | ||
| Q4 24 | $216.4M | $195.5M | ||
| Q3 24 | $177.9M | $127.9M | ||
| Q2 24 | $157.0M | $74.2M | ||
| Q1 24 | $183.4M | $137.9M |
总债务ACIWRGLD
| Q4 25 | $817.6M | — | ||
| Q3 25 | $867.8M | — | ||
| Q2 25 | $898.0M | — | ||
| Q1 25 | $845.9M | — | ||
| Q4 24 | $924.6M | — | ||
| Q3 24 | $994.3M | $0 | ||
| Q2 24 | $1.0B | $50.0M | ||
| Q1 24 | $1.0B | — |
股东权益ACIWRGLD
| Q4 25 | $1.5B | $7.2B | ||
| Q3 25 | $1.5B | $3.4B | ||
| Q2 25 | $1.4B | $3.3B | ||
| Q1 25 | $1.5B | $3.2B | ||
| Q4 24 | $1.4B | $3.1B | ||
| Q3 24 | $1.3B | $3.0B | ||
| Q2 24 | $1.2B | $3.0B | ||
| Q1 24 | $1.3B | $2.9B |
总资产ACIWRGLD
| Q4 25 | $3.1B | $9.5B | ||
| Q3 25 | $3.2B | $4.5B | ||
| Q2 25 | $3.1B | $3.6B | ||
| Q1 25 | $3.2B | $3.5B | ||
| Q4 24 | $3.0B | $3.4B | ||
| Q3 24 | $3.1B | $3.3B | ||
| Q2 24 | $3.4B | $3.3B | ||
| Q1 24 | $3.3B | $3.3B |
负债/权益比ACIWRGLD
| Q4 25 | 0.54× | — | ||
| Q3 25 | 0.59× | — | ||
| Q2 25 | 0.64× | — | ||
| Q1 25 | 0.57× | — | ||
| Q4 24 | 0.65× | — | ||
| Q3 24 | 0.75× | 0.00× | ||
| Q2 24 | 0.82× | 0.02× | ||
| 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 | $241.7M |
| 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× | 2.58× |
| 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ACIWRGLD
| Q4 25 | $121.8M | $241.7M | ||
| Q3 25 | $73.0M | $174.0M | ||
| Q2 25 | $49.8M | $152.8M | ||
| Q1 25 | $78.2M | $136.4M | ||
| Q4 24 | $126.5M | $141.1M | ||
| Q3 24 | $54.0M | $136.7M | ||
| Q2 24 | $55.0M | $113.5M | ||
| Q1 24 | $123.2M | $138.3M |
自由现金流ACIWRGLD
| Q4 25 | $116.6M | — | ||
| Q3 25 | $69.6M | — | ||
| Q2 25 | $47.6M | — | ||
| Q1 25 | $76.1M | — | ||
| Q4 24 | $119.5M | — | ||
| Q3 24 | $50.5M | — | ||
| Q2 24 | $53.3M | — | ||
| Q1 24 | $120.0M | — |
自由现金流率ACIWRGLD
| Q4 25 | 24.2% | — | ||
| Q3 25 | 14.4% | — | ||
| Q2 25 | 11.9% | — | ||
| Q1 25 | 19.3% | — | ||
| Q4 24 | 26.4% | — | ||
| Q3 24 | 11.2% | — | ||
| Q2 24 | 14.3% | — | ||
| Q1 24 | 38.0% | — |
资本支出强度ACIWRGLD
| Q4 25 | 1.1% | — | ||
| Q3 25 | 0.7% | — | ||
| Q2 25 | 0.5% | — | ||
| Q1 25 | 0.5% | — | ||
| Q4 24 | 1.5% | — | ||
| Q3 24 | 0.8% | — | ||
| Q2 24 | 0.5% | — | ||
| Q1 24 | 1.0% | — |
现金转化率ACIWRGLD
| Q4 25 | 1.89× | 2.58× | ||
| Q3 25 | 0.80× | 1.37× | ||
| Q2 25 | 4.08× | 1.15× | ||
| Q1 25 | 1.33× | 1.20× | ||
| Q4 24 | 1.28× | 1.31× | ||
| Q3 24 | 0.66× | 1.42× | ||
| Q2 24 | 1.78× | 1.40× | ||
| Q1 24 | — | 2.93× |
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% |
RGLD
| Gold | $216.9M | 58% |
| Pueblo Viejo | $47.3M | 13% |
| Andacollo | $32.6M | 9% |
| Silver | $32.1M | 9% |
| Other | $27.2M | 7% |
| Copper | $13.7M | 4% |
| Cortez Legacy Zone | $5.4M | 1% |
