ACIW Stock Analysis: ACI Worldwide | NASDAQ
Software - Infrastructure | NASDAQ, USA | Market Cap: 5.736m USD | 12M Return: 32.6% | Charts, Fundamentals & Technical Analysis
Avg Turnover: 55.4M
EPS Trend: 83.9%
Qual. Beats: 0
Rev. Trend: 98.9%
Qual. Beats: 5
Warnings
No concerns identified
Tailwinds
Seasonality 10.5 years of data
How good or bad each month usually is (without trend). The score below shows how much you can trust it: 0 = pure chance, >40 gets interesting and >55 is strong.
ACI Worldwide (NASDAQ: ACIW) is a U.S.-based software provider specializing in electronic payment processing solutions for merchants, billers, and financial institutions worldwide. Founded in 1975 and headquartered in Elkhorn, Nebraska, the company operates through two segments-Payment Software and Billers-offering products that span card acquiring and issuing, real-time payments, cross-border processing, fraud management, and electronic bill presentment and payment services. Its solutions serve a broad range of end markets, including consumer finance, insurance, healthcare, higher education, utilities, government, telecommunications, and mortgage sectors. The company markets all offerings under the ACI Worldwide brand and complements its software with installation, consulting, support, and education services.
As a mid-cap application software company listed since 1995, ACI Worldwide operates in the enterprise fintech software sector, where vendors typically generate revenue through a combination of software licensing, subscription-based platforms, and professional services. The payments software industry has been shaped by the global shift toward real-time payments infrastructure and increasing regulatory focus on fraud prevention, areas in which ACI maintains dedicated product lines.
- Cloud transition drives recurring revenue growth in payments
- Billers segment churn pressures Speedpay subscription revenue
- Real-time payments regulation fuels global contract pipeline
| Net Income: 206.1m TTM > 0 and > 6% of Revenue |
| FCF/TA: 0.09 > 0.02 and ΔFCF/TA -1.00 > 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 (717.7m) to EBITDA (448.7m): 1.60 < 3 |
| Current Ratio: 1.53 > 1.5 & < 3 |
| Outstanding Shares: last quarter (102.8m) vs 12m ago -3.73% < -2% |
| Gross Margin: 49.04% > 18% (prev 51.34%; Δ -2.30% > 0.5%) |
| Asset Turnover: 56.79% > 50% (prev 52.22%; Δ 4.56% > 0%) |
| Interest Coverage Ratio: 6.16 > 6 (EBIT TTM 340.8m / Interest Expense TTM 55.4m) |
| 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 340.8m / Avg Total Assets 3.15b) |
| D: 0.94 (Book Value of Equity 1.50b / Total Liabilities 1.60b) |
| Altman-Z'' = 4.50 = AA |
| DSRI: 2.22 (Receivables 917.7m/386.1m, Revenue 1.79b/1.67b) |
| GMI: 1.05 (GM 51.34% / 49.04%) |
| 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 = -1.92 (Cap -4..+1) = B |
As of July 17, 2026, the stock is trading at USD 58.67 with a total of 1,085,597 shares traded. Over the past week, the price has changed by +4.02%, over one month by +28.95%, over three months by +37.08% and over the past year by +32.56%.
Current recommended Stop Loss: 56.30 (which is 4% or 1.3 ATR below the current price).
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
| Analysts Target Price | 65.3 | 11.4% |
P/E Trailing = 28.4949
P/E Forward = 17.5131
P/S = 3.2026
P/B = 3.8229
P/EG = 1.7751
Revenue TTM = 1.79b USD
EBIT TTM = 340.8m USD
EBITDA TTM = 448.7m USD
Long Term Debt = 766.4m USD (from longTermDebt, last quarter)
Short Term Debt = 63.4m USD (from shortTermDebt, last quarter)
Debt = 879.4m USD (from shortLongTermDebtTotal, last quarter) + Leases 29.2m
Net Debt = 717.7m USD (calculated: Debt 879.4m - CCE 161.8m)
Enterprise Value = 6.45b USD (5.74b + Debt 879.4m - CCE 161.8m)
Interest Coverage Ratio = 6.16 (Ebit TTM 340.8m / Interest Expense TTM 55.4m)
EV/FCF = 23.75x (Enterprise Value 6.45b / FCF TTM 271.7m)
FCF Yield = 4.21% (FCF TTM 271.7m / Enterprise Value 6.45b)
FCF Margin = 15.17% (FCF TTM 271.7m / Revenue TTM 1.79b)
Net Margin = 11.51% (Net Income TTM 206.1m / Revenue TTM 1.79b)
Gross Margin = 49.04% ((Revenue TTM 1.79b - Cost of Revenue TTM 912.7m) / Revenue TTM)
Gross Margin QoQ = 46.34% (prev 53.00%)
Tobins Q-Ratio = 2.08 (Enterprise Value 6.45b / Total Assets 3.10b)
Interest Expense / Debt = 6.30% (Interest Expense 55.4m / Debt 879.4m)
Taxrate = 27.80% (79.4m / 285.5m)
NOPAT = 246.1m (EBIT 340.8m * (1 - 27.80%))
Current Ratio = 1.53 (Total Current Assets 1.13b / Total Current Liabilities 739.4m)
Debt / Equity = 0.59 (Debt 879.4m / totalStockholderEquity, last quarter 1.50b)
Debt / EBITDA = 1.60 (Net Debt 717.7m / EBITDA 448.7m)
Debt / FCF = 2.64 (Net Debt 717.7m / FCF TTM 271.7m)
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 = 15.22% (EBIT 340.8m / Capital Employed (Equity 1.47b + L.T.Debt 766.4m))
RoIC = 10.52% (NOPAT 246.1m / Invested Capital 2.34b)
WACC = 7.26% (E(5.74b)/V(6.62b) * Re(7.68%) + D(879.4m)/V(6.62b) * Rd(6.30%) * (1-Tc(0.28)))
Discount Rate = 7.68% (= CAPM, Blume Beta Adj.)
Shares (quarterly) Correlation: -91.42 | Cagr: -2.61%
[DCF] Terminal Value 73.46% ; FCFF base≈288.0m ; Y1≈257.5m ; Y5≈216.2m
[DCF] Fair Price = 26.92 (EV 3.45b - Net Debt 717.7m = Equity 2.74b / Shares 101.7m; r=8.35% [WACC [floored]]; 5y FCF grow -13.00% → 2.50% )
EPS Correlation: 83.94 | EPS CAGR: 37.05% | SUE: 0.65 | # QB: 0
Revenue Correlation: 98.94 | Revenue CAGR: 10.28% | SUE: 1.12 | # QB: 5
EPS current Quarter (2026-06-30): EPS=0.53 | Chg30d=+0.95% | Revisions=-50% | Analysts=3
EPS next Quarter (2026-09-30): EPS=0.84 | Chg30d=-4.38% | Revisions=-17% | Analysts=3
EPS current Year (2026-12-31): EPS=3.52 | Chg30d=+1.05% | Revisions=+50% | GrowthEPS=+24.3% | GrowthRev=+8.1%
EPS next Year (2027-12-31): EPS=3.83 | Chg30d=+0.02% | Revisions=+50% | GrowthEPS=+9.0% | GrowthRev=+7.6%
[Analyst] Revisions Ratio: +13% (up=7, down=5)