ACI Worldwide Inc (ACIW)

Pretax margin

		Dec 31, 2024	Sep 30, 2024	Jun 30, 2024	Mar 31, 2024	Dec 31, 2023	Sep 30, 2023	Jun 30, 2023	Mar 31, 2023	Dec 31, 2022	Sep 30, 2022	Jun 30, 2022	Mar 31, 2022	Dec 31, 2021	Sep 30, 2021	Jun 30, 2021	Mar 31, 2021	Dec 31, 2020	Sep 30, 2020	Jun 30, 2020	Mar 31, 2020
Earnings before tax but after interest (EBT) (ttm)	US$ in thousands	250,409	294,272	233,657	183,295	147,627	126,537	113,567	141,320	206,635	228,002	212,826	203,559	175,065	112,074	116,097	127,625	98,626	97,871	112,281	75,484
Revenue (ttm)	US$ in thousands	1,594,288	1,617,813	1,529,076	1,478,922	1,452,579	1,427,821	1,371,397	1,388,497	1,421,901	1,436,925	1,447,248	1,408,492	1,370,598	1,290,813	1,289,782	1,288,023	1,294,322	1,307,198	1,346,216	1,343,924
Pretax margin		15.71%	18.19%	15.28%	12.39%	10.16%	8.86%	8.28%	10.18%	14.53%	15.87%	14.71%	14.45%	12.77%	8.68%	9.00%	9.91%	7.62%	7.49%	8.34%	5.62%

December 31, 2024 calculation

Pretax margin = EBT (ttm) ÷ Revenue (ttm)
= $250,409K ÷ $1,594,288K
= 15.71%

The pretax margin of ACI Worldwide Inc has shown fluctuations over the quarters analyzed. The trend indicates an increase in profitability, as the pretax margin gradually improved from 5.62% in March 31, 2020, to a peak of 18.19% in September 30, 2024. Notably, the company experienced a significant surge in pretax margin between June 30, 2024, and September 30, 2024, where the margin jumped from 15.28% to 18.19%. However, there was a slight decline in pretax margin in the last quarter, December 31, 2024, to 15.71%.

Overall, the upward trajectory in pretax margin indicates that ACI Worldwide Inc has been effectively managing its costs and increasing operational efficiency, leading to improved profitability levels. Investors and stakeholders may view this trend positively as it signifies a stronger financial performance and a potential for sustainable growth in the future.