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ACI WORLDWIDE, INC.（ACIW）与Tyler Technologies（TYL）财务数据对比。点击上方公司名可切换其他公司
Tyler Technologies的季度营收约是ACI WORLDWIDE, INC.的1.2倍（$575.2M vs $481.6M）。ACI WORLDWIDE, INC.净利率更高（13.4% vs 11.4%，领先2.0%）。ACI WORLDWIDE, INC.同比增速更快（6.3% vs 6.3%）。Tyler Technologies自由现金流更多（$239.6M vs $116.6M）。过去两年ACI WORLDWIDE, INC.的营收复合增速更高（23.4% vs 6.0%）
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。
Tyler Technologies, Inc.是总部位于美国得克萨斯州普莱诺的科技企业，主营面向美国公共部门提供自研专有软件，目前在全美17个州设有办事处，另在加拿大安大略省多伦多市设有一处办公网点。
ACIW vs TYL — 直观对比
营收规模更大
TYL
是对方的1.2倍
$481.6M
营收增速更快
ACIW
高出0.0%
6.3%
净利率更高
ACIW
高出2.0%
11.4%
自由现金流更多
TYL
多$123.0M
$116.6M
两年增速更快
ACIW
近两年复合增速
6.0%
损益表 — Q4 2025 vs Q4 2025
| 指标 | | |
|---|---|---|
| 营收 | $481.6M | $575.2M |
| 净利润 | $64.3M | $65.5M |
| 毛利率 | 53.0% | 45.5% |
| 营业利润率 | 22.6% | 13.0% |
| 净利率 | 13.4% | 11.4% |
| 营收同比 | 6.3% | 6.3% |
| 净利润同比 | -34.7% | 0.5% |
| 每股收益（稀释后） | $0.61 | $1.50 |
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ACIWTYL
| Q4 25 | $481.6M | $575.2M | ||
| Q3 25 | $482.4M | $595.9M | ||
| Q2 25 | $401.3M | $596.1M | ||
| Q1 25 | $394.6M | $565.2M | ||
| Q4 24 | $453.0M | $541.1M | ||
| Q3 24 | $451.8M | $543.3M | ||
| Q2 24 | $373.5M | $541.0M | ||
| Q1 24 | $316.0M | $512.4M |
净利润ACIWTYL
| Q4 25 | $64.3M | $65.5M | ||
| Q3 25 | $91.3M | $84.4M | ||
| Q2 25 | $12.2M | $84.6M | ||
| Q1 25 | $58.9M | $81.1M | ||
| Q4 24 | $98.6M | $65.2M | ||
| Q3 24 | $81.4M | $75.9M | ||
| Q2 24 | $30.9M | $67.7M | ||
| Q1 24 | $-7.8M | $54.2M |
毛利率ACIWTYL
| Q4 25 | 53.0% | 45.5% | ||
| Q3 25 | 53.7% | 47.2% | ||
| Q2 25 | 41.5% | 45.8% | ||
| Q1 25 | 45.9% | 47.3% | ||
| Q4 24 | 55.8% | 43.8% | ||
| Q3 24 | 56.3% | 43.7% | ||
| Q2 24 | 45.6% | 44.0% | ||
| Q1 24 | 39.5% | 43.7% |
营业利润率ACIWTYL
| Q4 25 | 22.6% | 13.0% | ||
| Q3 25 | 26.5% | 16.4% | ||
| Q2 25 | 8.7% | 16.0% | ||
| Q1 25 | 14.8% | 15.8% | ||
| Q4 24 | 27.0% | 13.2% | ||
| Q3 24 | 27.1% | 15.2% | ||
| Q2 24 | 14.4% | 14.4% | ||
| Q1 24 | 3.0% | 13.1% |
净利率ACIWTYL
| Q4 25 | 13.4% | 11.4% | ||
| Q3 25 | 18.9% | 14.2% | ||
| Q2 25 | 3.0% | 14.2% | ||
| Q1 25 | 14.9% | 14.3% | ||
| Q4 24 | 21.8% | 12.1% | ||
| Q3 24 | 18.0% | 14.0% | ||
| Q2 24 | 8.3% | 12.5% | ||
| Q1 24 | -2.5% | 10.6% |
每股收益（稀释后）ACIWTYL
| Q4 25 | $0.61 | $1.50 | ||
| Q3 25 | $0.88 | $1.93 | ||
| Q2 25 | $0.12 | $1.93 | ||
| Q1 25 | $0.55 | $1.84 | ||
| Q4 24 | $0.92 | $1.48 | ||
| Q3 24 | $0.77 | $1.74 | ||
| Q2 24 | $0.29 | $1.57 | ||
| Q1 24 | $-0.07 | $1.26 |
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 | $1.1B |
| 总债务越低越好 | $817.6M | $599.7M |
| 股东权益账面价值 | $1.5B | $3.7B |
| 总资产 | $3.1B | $5.6B |
| 负债/权益比越低杠杆越低 | 0.54× | 0.16× |
8季度趋势，按日历期对齐
现金及短期投资ACIWTYL
| Q4 25 | $196.5M | $1.1B | ||
| Q3 25 | $199.3M | $950.8M | ||
| Q2 25 | $189.7M | $892.3M | ||
| Q1 25 | $230.1M | $807.4M | ||
| Q4 24 | $216.4M | $768.0M | ||
| Q3 24 | $177.9M | $544.3M | ||
| Q2 24 | $157.0M | $258.0M | ||
| Q1 24 | $183.4M | $196.9M |
总债务ACIWTYL
| Q4 25 | $817.6M | $599.7M | ||
| Q3 25 | $867.8M | $599.2M | ||
| Q2 25 | $898.0M | $598.8M | ||
| Q1 25 | $845.9M | $598.4M | ||
| Q4 24 | $924.6M | $597.9M | ||
| Q3 24 | $994.3M | $597.5M | ||
| Q2 24 | $1.0B | $597.1M | ||
| Q1 24 | $1.0B | $596.6M |
股东权益ACIWTYL
| Q4 25 | $1.5B | $3.7B | ||
| Q3 25 | $1.5B | $3.6B | ||
| Q2 25 | $1.4B | $3.6B | ||
| Q1 25 | $1.5B | $3.5B | ||
| Q4 24 | $1.4B | $3.4B | ||
| Q3 24 | $1.3B | $3.3B | ||
| Q2 24 | $1.2B | $3.1B | ||
| Q1 24 | $1.3B | $3.0B |
总资产ACIWTYL
| Q4 25 | $3.1B | $5.6B | ||
| Q3 25 | $3.2B | $5.5B | ||
| Q2 25 | $3.1B | $5.4B | ||
| Q1 25 | $3.2B | $5.2B | ||
| Q4 24 | $3.0B | $5.2B | ||
| Q3 24 | $3.1B | $5.0B | ||
| Q2 24 | $3.4B | $4.8B | ||
| Q1 24 | $3.3B | $4.6B |
负债/权益比ACIWTYL
| Q4 25 | 0.54× | 0.16× | ||
| Q3 25 | 0.59× | 0.17× | ||
| Q2 25 | 0.64× | 0.16× | ||
| Q1 25 | 0.57× | 0.17× | ||
| Q4 24 | 0.65× | 0.18× | ||
| Q3 24 | 0.75× | 0.18× | ||
| Q2 24 | 0.82× | 0.19× | ||
| Q1 24 | 0.81× | 0.20× |
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 | $243.9M |
| 自由现金流经营现金流 - 资本支出 | $116.6M | $239.6M |
| 自由现金流率自由现金流/营收 | 24.2% | 41.7% |
| 资本支出强度资本支出/营收 | 1.1% | 0.8% |
| 现金转化率经营现金流/净利润 | 1.89× | 3.72× |
| 过去12个月自由现金流最近4个季度 | $309.9M | $637.5M |
8季度趋势，按日历期对齐
经营现金流ACIWTYL
| Q4 25 | $121.8M | $243.9M | ||
| Q3 25 | $73.0M | $255.2M | ||
| Q2 25 | $49.8M | $98.3M | ||
| Q1 25 | $78.2M | $56.2M | ||
| Q4 24 | $126.5M | $224.8M | ||
| Q3 24 | $54.0M | $263.7M | ||
| Q2 24 | $55.0M | $64.3M | ||
| Q1 24 | $123.2M | $71.8M |
自由现金流ACIWTYL
| Q4 25 | $116.6M | $239.6M | ||
| Q3 25 | $69.6M | $251.3M | ||
| Q2 25 | $47.6M | $92.8M | ||
| Q1 25 | $76.1M | $53.8M | ||
| Q4 24 | $119.5M | $221.0M | ||
| Q3 24 | $50.5M | $260.8M | ||
| Q2 24 | $53.3M | $57.7M | ||
| Q1 24 | $120.0M | $64.6M |
自由现金流率ACIWTYL
| Q4 25 | 24.2% | 41.7% | ||
| Q3 25 | 14.4% | 42.2% | ||
| Q2 25 | 11.9% | 15.6% | ||
| Q1 25 | 19.3% | 9.5% | ||
| Q4 24 | 26.4% | 40.8% | ||
| Q3 24 | 11.2% | 48.0% | ||
| Q2 24 | 14.3% | 10.7% | ||
| Q1 24 | 38.0% | 12.6% |
资本支出强度ACIWTYL
| Q4 25 | 1.1% | 0.8% | ||
| Q3 25 | 0.7% | 0.7% | ||
| Q2 25 | 0.5% | 0.9% | ||
| Q1 25 | 0.5% | 0.4% | ||
| Q4 24 | 1.5% | 0.7% | ||
| Q3 24 | 0.8% | 0.5% | ||
| Q2 24 | 0.5% | 1.2% | ||
| Q1 24 | 1.0% | 1.4% |
现金转化率ACIWTYL
| Q4 25 | 1.89× | 3.72× | ||
| Q3 25 | 0.80× | 3.02× | ||
| Q2 25 | 4.08× | 1.16× | ||
| Q1 25 | 1.33× | 0.69× | ||
| Q4 24 | 1.28× | 3.45× | ||
| Q3 24 | 0.66× | 3.47× | ||
| Q2 24 | 1.78× | 0.95× | ||
| Q1 24 | — | 1.33× |
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% |
TYL
| Saas Arrangements | $186.1M | 32% |
| Platform Technologies Segment | $143.3M | 25% |
| Maintenance | $109.4M | 19% |
| Professional Services | $55.3M | 10% |
| Nonrecurring Revenue | $51.3M | 9% |
| Other | $21.4M | 4% |
| Hardware And Other | $8.4M | 1% |
