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ACI WORLDWIDE, INC.（ACIW）与Rithm Capital Corp.（RITM）财务数据对比。点击上方公司名可切换其他公司
Rithm Capital Corp.的季度营收约是ACI WORLDWIDE, INC.的1.7倍（$828.2M vs $481.6M），ACI WORLDWIDE, INC.净利率更高（13.4% vs 13.2%，领先0.1%），ACI WORLDWIDE, INC.同比增速更快（6.3% vs -40.0%），过去两年ACI WORLDWIDE, INC.的营收复合增速更高（23.4% vs -17.9%）
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。
Rithm Capital Corp.是总部位于美国纽约的投资管理机构，核心业务聚焦房地产投资与另类资产投资，依托专业的投研团队和成熟的市场运营经验，为合作伙伴及投资者提供优质的资产配置解决方案与长期收益回报。
ACIW vs RITM — 直观对比
营收规模更大
RITM
是对方的1.7倍
$481.6M
营收增速更快
ACIW
高出46.3%
-40.0%
净利率更高
ACIW
高出0.1%
13.2%
两年增速更快
ACIW
近两年复合增速
-17.9%
损益表 — Q4 FY2025 vs Q1 FY2026
| 指标 | | |
|---|---|---|
| 营收 | $481.6M | $828.2M |
| 净利润 | $64.3M | $109.5M |
| 毛利率 | 53.0% | — |
| 营业利润率 | 22.6% | — |
| 净利率 | 13.4% | 13.2% |
| 营收同比 | 6.3% | -40.0% |
| 净利润同比 | -34.7% | 20.9% |
| 每股收益（稀释后） | $0.61 | $0.12 |
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ACIWRITM
| Q1 26 | — | $828.2M | ||
| Q4 25 | $481.6M | $1.5B | ||
| Q3 25 | $482.4M | $1.1B | ||
| Q2 25 | $401.3M | $1.2B | ||
| Q1 25 | $394.6M | $768.4M | ||
| Q4 24 | $453.0M | $2.1B | ||
| Q3 24 | $451.8M | $619.5M | ||
| Q2 24 | $373.5M | $1.2B |
净利润ACIWRITM
| Q1 26 | — | $109.5M | ||
| Q4 25 | $64.3M | $85.0M | ||
| Q3 25 | $91.3M | $221.5M | ||
| Q2 25 | $12.2M | $311.7M | ||
| Q1 25 | $58.9M | $78.8M | ||
| Q4 24 | $98.6M | $290.2M | ||
| Q3 24 | $81.4M | $121.7M | ||
| Q2 24 | $30.9M | $235.6M |
毛利率ACIWRITM
| Q1 26 | — | — | ||
| 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% | — |
营业利润率ACIWRITM
| Q1 26 | — | — | ||
| Q4 25 | 22.6% | 13.8% | ||
| Q3 25 | 26.5% | 21.4% | ||
| Q2 25 | 8.7% | 25.2% | ||
| Q1 25 | 14.8% | 7.4% | ||
| Q4 24 | 27.0% | 23.8% | ||
| Q3 24 | 27.1% | 7.3% | ||
| Q2 24 | 14.4% | 23.6% |
净利率ACIWRITM
| Q1 26 | — | 13.2% | ||
| Q4 25 | 13.4% | 5.7% | ||
| Q3 25 | 18.9% | 20.0% | ||
| Q2 25 | 3.0% | 25.6% | ||
| Q1 25 | 14.9% | 10.3% | ||
| Q4 24 | 21.8% | 14.0% | ||
| Q3 24 | 18.0% | 19.7% | ||
| Q2 24 | 8.3% | 19.2% |
每股收益（稀释后）ACIWRITM
| Q1 26 | — | $0.12 | ||
| Q4 25 | $0.61 | $0.09 | ||
| Q3 25 | $0.88 | $0.35 | ||
| Q2 25 | $0.12 | $0.53 | ||
| Q1 25 | $0.55 | $0.07 | ||
| Q4 24 | $0.92 | $0.50 | ||
| Q3 24 | $0.77 | $0.20 | ||
| Q2 24 | $0.29 | $0.43 |
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 | — |
| 股东权益账面价值 | $1.5B | $9.1B |
| 总资产 | $3.1B | $53.4B |
| 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ACIWRITM
| Q1 26 | — | — | ||
| Q4 25 | $196.5M | $1.8B | ||
| Q3 25 | $199.3M | $1.6B | ||
| Q2 25 | $189.7M | $1.6B | ||
| Q1 25 | $230.1M | $1.5B | ||
| Q4 24 | $216.4M | $1.5B | ||
| Q3 24 | $177.9M | $1.6B | ||
| Q2 24 | $157.0M | $1.2B |
总债务ACIWRITM
| Q1 26 | — | — | ||
| Q4 25 | $817.6M | $35.4B | ||
| Q3 25 | $867.8M | $32.2B | ||
| Q2 25 | $898.0M | $31.2B | ||
| Q1 25 | $845.9M | $32.2B | ||
| Q4 24 | $924.6M | $32.6B | ||
| Q3 24 | $994.3M | $29.6B | ||
| Q2 24 | $1.0B | $30.1B |
股东权益ACIWRITM
| Q1 26 | — | $9.1B | ||
| Q4 25 | $1.5B | $8.4B | ||
| Q3 25 | $1.5B | $8.5B | ||
| Q2 25 | $1.4B | $7.9B | ||
| Q1 25 | $1.5B | $7.8B | ||
| Q4 24 | $1.4B | $7.8B | ||
| Q3 24 | $1.3B | $7.7B | ||
| Q2 24 | $1.2B | $7.3B |
总资产ACIWRITM
| Q1 26 | — | $53.4B | ||
| Q4 25 | $3.1B | $53.1B | ||
| Q3 25 | $3.2B | $47.2B | ||
| Q2 25 | $3.1B | $44.3B | ||
| Q1 25 | $3.2B | $45.3B | ||
| Q4 24 | $3.0B | $46.0B | ||
| Q3 24 | $3.1B | $42.3B | ||
| Q2 24 | $3.4B | $42.0B |
负债/权益比ACIWRITM
| Q1 26 | — | — | ||
| Q4 25 | 0.54× | 4.20× | ||
| Q3 25 | 0.59× | 3.79× | ||
| Q2 25 | 0.64× | 3.92× | ||
| Q1 25 | 0.57× | 4.14× | ||
| Q4 24 | 0.65× | 4.18× | ||
| Q3 24 | 0.75× | 3.87× | ||
| Q2 24 | 0.82× | 4.10× |
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ACIWRITM
| Q1 26 | — | — | ||
| Q4 25 | $121.8M | $-114.6M | ||
| Q3 25 | $73.0M | $-2.0B | ||
| Q2 25 | $49.8M | $-557.1M | ||
| Q1 25 | $78.2M | $1.4B | ||
| Q4 24 | $126.5M | $-1.8B | ||
| Q3 24 | $54.0M | $768.1M | ||
| Q2 24 | $55.0M | $-55.7M |
自由现金流ACIWRITM
| Q1 26 | — | — | ||
| 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 | — |
自由现金流率ACIWRITM
| Q1 26 | — | — | ||
| 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% | — |
资本支出强度ACIWRITM
| Q1 26 | — | — | ||
| 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% | — |
现金转化率ACIWRITM
| Q1 26 | — | — | ||
| Q4 25 | 1.89× | -1.35× | ||
| Q3 25 | 0.80× | -9.22× | ||
| Q2 25 | 4.08× | -1.79× | ||
| Q1 25 | 1.33× | 18.03× | ||
| Q4 24 | 1.28× | -6.04× | ||
| Q3 24 | 0.66× | 6.31× | ||
| Q2 24 | 1.78× | -0.24× |
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% |
RITM
| Servicing revenue, net | $375.1M | 45% |
| Other | $234.9M | 28% |
| Gain on originated residential mortgage loans, held-for-sale, net | $195.0M | 24% |
| Other revenue | $23.3M | 3% |
