(ACIW) ACI Worldwide - Overview

Sector: Technology | Industry: Software - Infrastructure | Exchange: NASDAQ (USA) | Market Cap: 4.149m USD | Total Return: -15.2% in 12m

Payment Software, Fraud Management, Billing Services, Real-Time Payments
Total Rating 51
Safety 59
Buy Signal -0.41
Software - Infrastructure
Industry Rotation: +18.6
Market Cap: 4.15B
Avg Turnover: 28.1M
Risk 3d forecast
Volatility34.0%
VaR 5th Pctl5.63%
VaR vs Median0.46%
Reward TTM
Sharpe Ratio-0.46
Rel. Str. IBD23.4
Rel. Str. Peer Group62.1
Character TTM
Beta0.533
Beta Downside0.609
Hurst Exponent0.333
Drawdowns 3y
Max DD35.02%
CAGR/Max DD0.57
CAGR/Mean DD1.77
EPS (Earnings per Share) EPS (Earnings per Share) of ACIW over the last years for every Quarter: "2021-03": 0.15, "2021-06": 0.23, "2021-09": 0.31, "2021-12": 0.93, "2022-03": 0.28, "2022-06": 0.29, "2022-09": 0.11, "2022-12": 0.81, "2023-03": -0.07, "2023-06": 0.15, "2023-09": 0.52, "2023-12": 1.12, "2024-03": 0.1, "2024-06": 0.47, "2024-09": 0.97, "2024-12": 1.08, "2025-03": 0.51, "2025-06": 0.35, "2025-09": 1.09, "2025-12": 0.9, "2026-03": 0.61,
EPS CAGR: 21.93%
EPS Trend: 49.7%
Last SUE: 0.75
Qual. Beats: 0
Revenue Revenue of ACIW over the last years for every Quarter: 2021-03: 285.186, 2021-06: 301.669, 2021-09: 316.914, 2021-12: 466.829, 2022-03: 323.08, 2022-06: 340.425, 2022-09: 306.591, 2022-12: 451.805, 2023-03: 289.676, 2023-06: 323.325, 2023-09: 363.015, 2023-12: 476.563, 2024-03: 316.019, 2024-06: 373.479, 2024-09: 451.752, 2024-12: 453.038, 2025-03: 394.565, 2025-06: 401.258, 2025-09: 482.359, 2025-12: 481.6, 2026-03: 425.749,
Rev. CAGR: 6.15%
Rev. Trend: 61.9%
Last SUE: 1.12
Qual. Beats: 5

Warnings

No concerns identified

Tailwinds

No distinct edge detected

Description: ACIW ACI Worldwide

ACI Worldwide Inc (ACIW) provides mission-critical software solutions for the global electronic payments ecosystem. The company operates through two primary segments, Payment Software and Billers, offering a suite of products that facilitate card processing, real-time payments, and cross-border transactions. Its portfolio includes the Speedpay digital billing platform and the ACI Payments Orchestration Platform, which optimizes transaction routing and fraud management for financial institutions and merchants.

The company functions within the application software sector, specifically targeting the high-barrier-to-entry payments infrastructure market. ACIW utilizes a recurring revenue model through software licensing and maintenance services, serving diverse industries including healthcare, government, and telecommunications. As payment volumes shift toward real-time rails, the company’s infrastructure becomes integral to modern banking architecture. For a deeper look at the companys valuation metrics, consider exploring the data available on ValueRay.

Founded in 1975 and headquartered in Nebraska, ACI Worldwide supports complex payment environments through professional services, including custom software modifications and technical consultancy. The company’s solutions integrate directly with global payment rails and RTGS systems, positioning it as a foundational provider for both legacy and emerging payment technologies.

Headlines to Watch Out For
  • Global adoption of real-time payment infrastructure drives recurring software licensing revenue
  • Shift toward cloud-based SaaS transition impacts short-term margins and long-term valuation
  • Transaction volume growth in Biller segment correlates with consumer spending trends
  • Strategic merger and acquisition activity influences capital allocation and debt leverage
  • Expansion of fraud management solutions increases high-margin cross-selling opportunities for banks
Piotroski VR‑10 (Strict) 8.5
Net Income: 206.1m TTM > 0 and > 6% of Revenue
FCF/TA: 0.09 > 0.02 and ΔFCF/TA -0.42 > 1.0
NWC/Revenue: 21.98% < 20% (prev 24.16%; Δ -2.18% < -1%)
CFO/TA 0.10 > 3% & CFO 308.9m > Net Income 206.1m
Net Debt (688.5m) to EBITDA (439.2m): 1.57 < 3
Current Ratio: 1.53 > 1.5 & < 3
Outstanding Shares: last quarter (102.8m) vs 12m ago -3.73% < -2%
Gross Margin: 47.63% > 18% (prev 0.51%; Δ 4.71k% > 0.5%)
Asset Turnover: 56.79% > 50% (prev 52.22%; Δ 4.56% > 0%)
Interest Coverage Ratio: 6.16 > 6 (EBITDA TTM 439.2m / Interest Expense TTM 55.4m)
Altman Z'' 4.66
A: 0.13 (Total Current Assets 1.13b - Total Current Liabilities 739.4m) / Total Assets 3.10b
B: 0.60 (Retained Earnings 1.86b / Total Assets 3.10b)
C: 0.11 (EBIT TTM 341.1m / Avg Total Assets 3.15b)
D: 1.09 (Book Value of Equity 1.76b / Total Liabilities 1.60b)
Altman-Z'' Score: 4.66 = AA
Beneish M -1.92
DSRI: 2.22 (Receivables 917.7m/386.1m, Revenue 1.79b/1.67b)
GMI: 1.08 (GM 47.63% / 51.34%)
AQI: 1.02 (AQ_t 0.61 / AQ_t-1 0.60)
SGI: 1.07 (Revenue 1.79b / 1.67b)
TATA: -0.03 (NI 206.1m - CFO 308.9m) / TA 3.10b)
Beneish M-Score: -1.92 (Cap -4..+1) = B
What is the price of ACIW shares? As of May 18, 2026, the stock is trading at USD 41.66 with a total of 808,037 shares traded.
Over the past week, the price has changed by -8.46%, over one month by -6.32%, over three months by +2.66% and over the past year by -15.19%.
Is ACIW a buy, sell or hold? ACI Worldwide has received a consensus analysts rating of 4.14. Therefore, it is recommended to buy ACIW.
  • StrongBuy: 4
  • Buy: 0
  • Hold: 3
  • Sell: 0
  • StrongSell: 0
What are the forecasts/targets for the ACIW price?
Analysts Target Price 64 53.6%
ACI Worldwide (ACIW) - Fundamental Data Overview as of 15 May 2026
P/E Trailing = 20.6111
P/E Forward = 14.245
P/S = 2.3165
P/B = 3.0804
P/EG = 1.7751
Revenue TTM = 1.79b USD
EBIT TTM = 341.1m USD
EBITDA TTM = 439.2m USD
Long Term Debt = 776.7m USD (from longTermDebt, last fiscal year)
Short Term Debt = 63.4m USD (from shortTermDebt, last quarter)
Debt = 850.3m USD (from shortLongTermDebtTotal, last quarter)
Net Debt = 688.5m USD (from netDebt column, last quarter)
Enterprise Value = 4.84b USD (4.15b + Debt 850.3m - CCE 161.8m)
Interest Coverage Ratio = 6.16 (Ebit TTM 341.1m / Interest Expense TTM 55.4m)
EV/FCF = 16.70x (Enterprise Value 4.84b / FCF TTM 289.7m)
FCF Yield = 5.99% (FCF TTM 289.7m / Enterprise Value 4.84b)
FCF Margin = 16.18% (FCF TTM 289.7m / Revenue TTM 1.79b)
Net Margin = 11.51% (Net Income TTM 206.1m / Revenue TTM 1.79b)
Gross Margin = 47.63% ((Revenue TTM 1.79b - Cost of Revenue TTM 938.0m) / Revenue TTM)
Gross Margin QoQ = 40.41% (prev 53.00%)
Tobins Q-Ratio = 1.56 (Enterprise Value 4.84b / Total Assets 3.10b)
Interest Expense / Debt = 1.43% (Interest Expense 12.2m / Debt 850.3m)
Taxrate = 24.03% (12.1m / 50.4m)
NOPAT = 259.1m (EBIT 341.1m * (1 - 24.03%))
Current Ratio = 1.53 (Total Current Assets 1.13b / Total Current Liabilities 739.4m)
Debt / Equity = 0.57 (Debt 850.3m / totalStockholderEquity, last quarter 1.50b)
Debt / EBITDA = 1.57 (Net Debt 688.5m / EBITDA 439.2m)
Debt / FCF = 2.38 (Net Debt 688.5m / FCF TTM 289.7m)
Total Stockholder Equity = 1.47b (last 4 quarters mean from totalStockholderEquity)
RoA = 6.53% (Net Income 206.1m / Total Assets 3.10b)
RoE = 13.99% (Net Income TTM 206.1m / Total Stockholder Equity 1.47b)
RoCE = 15.16% (EBIT 341.1m / Capital Employed (Equity 1.47b + L.T.Debt 776.7m))
RoIC = 11.14% (NOPAT 259.1m / Invested Capital 2.33b)
WACC = 6.71% (E(4.15b)/V(5.00b) * Re(7.86%) + D(850.3m)/V(5.00b) * Rd(1.43%) * (1-Tc(0.24)))
Discount Rate = 7.86% (= CAPM, Blume Beta Adj.) -> floored to rf + 0.7*ERP = 7.92%
Shares (quarterly) Correlation: -73.33 | Cagr: -2.61%
[DCF] Terminal Value 85.94% ; FCFF base≈298.8m ; Y1≈368.6m ; Y5≈628.8m
[DCF] Fair Price = 137.7 (EV 14.69b - Net Debt 688.5m = Equity 14.00b / Shares 101.7m; r=6.71% [WACC]; 5y FCF grow 25.0% → 3.0% )
EPS Correlation: 49.65 | EPS CAGR: 21.93% | SUE: 0.75 | # QB: 0
Revenue Correlation: 61.95 | Revenue CAGR: 6.15% | SUE: 1.12 | # QB: 5
EPS current Quarter (2026-06-30): EPS=0.53 | Chg30d=-12.08% | Revisions=-20% | Analysts=4
EPS next Quarter (2026-09-30): EPS=0.85 | Chg30d=-22.97% | Revisions=-20% | Analysts=4
EPS current Year (2026-12-31): EPS=3.52 | Chg30d=+5.18% | Revisions=+20% | GrowthEPS=+24.4% | GrowthRev=+8.0%
EPS next Year (2027-12-31): EPS=3.82 | Chg30d=+0.79% | Revisions=+0% | GrowthEPS=+8.5% | GrowthRev=+7.6%
[Analyst] Revisions Ratio: -20%