ACIW Stock Analysis: ACI Worldwide | NASDAQ

Payment Processing, Real-Time Payments, Fraud Management, Electronic Billing

Total Rating 65

Safety 80

Buy Signal 1.38

Application Software
Sub-Industry Rotation: -8.0

Market Cap: 6.01B
Avg Turnover: 57.0M

Risk 3d forecast

Volatility30.3%

VaR 5^th Pctl5.06%

VaR vs Median1.37%

Reward TTM

Sharpe Ratio0.80

Rel. Str. IBD91.6

Rel. Str. Peer Group76.7 pctl

Character TTM

Beta0.275

Beta Downside0.466

Hurst Exponent0.422

Choppyness45.5%

Drawdowns 3y

Max DD35.02%

CAGR/Max DD0.96

CAGR/Mean DD2.71

EPS (Earnings per Share)

EPS CAGR: 10.46%
EPS Trend: 50.1%

Last SUE: -0.58
Qual. Beats: 0

Revenue

Rev. CAGR: 8.45%
Rev. Trend: 95.9%

Last SUE: 0.32
Qual. Beats: 0

Warnings

No concerns identified

Tailwinds

Supp Ema8

Rs Leader

Idiosyncratic Leader

Confidence

Seasonality 11.9 years of data, until 10/2026

Jan +1.8% 9

Feb +0.4% 4

Mar -0.5% 4

Apr -1.0% 14

May +0.2% 0

Jun +0.5% 14

Jul +0.5% 4

Aug -3.4% 4

Sep -2.6% 28

Oct +2.5% 4

Nov +1.5% 0

Dec +0.5% 0

How good or bad each month usually is (without trend). The score below shows how much you can trust it: 0 = pure chance, ≥40 worth a closer look and ≥60 is strong.

Description: ACIW ACI Worldwide

ACI Worldwide, Inc. (NASDAQ: ACIW) is a U.S.-based software company that develops, markets, and supports products and services for electronic payments, operating two main segments: Payment Software and Billers. Its portfolio includes solutions such as ACI Acquiring, ACI Issuing, ACI Connetic, ACI real-time payments, ACI Payments Orchestration Platform, and Speedpay, covering card transaction processing, real-time and cross-border payments, digital billing, disbursement, and fraud management. The company also provides electronic bill presentment and payment services across consumer finance, insurance, healthcare, higher education, utilities, government, telecommunications, and mortgage sectors, alongside consulting, implementation, and support services.

Founded in 1975 and headquartered in Elkhorn, Nebraska, ACI Worldwide was originally known as Transaction Systems Architects, Inc. before adopting its current name in July 2007. It maintains a strategic partnership with dLocal, a payments platform focused on emerging markets, supporting its global expansion.

As an Application Software provider within the broader Information Technology sector, ACI Worldwide competes in the fintech and enterprise payments infrastructure space, serving merchants, financial institutions, and billers. The companys focus on real-time payments orchestration and fraud management aligns with the industrys broader shift toward instant, digital, and cross-border payment capabilities. It has been publicly traded since its 1995 IPO and is currently positioned in the mid-cap range.

Headlines to Watch Out For

Real-time payments adoption accelerates global software revenue
Billers segment drives recurring subscription revenue growth
Competition from FIS and Fiserv pressures payment software margins

Piotroski VR-10 (Strict) 7.5

Net Income: 167.0m TTM > 0 and > 6% of Revenue
FCF/TA: 0.13 > 0.02 and ΔFCF/TA 3.74 > 1.0
NWC/Revenue: 24.06% < 20% (prev 24.63%; Δ -0.57% < -1%)
CFO/TA 0.14 > 3% & CFO 440.1m > Net Income 167.0m
Net Debt (652.9m) to EBITDA (384.0m): 1.70 < 3
Current Ratio: 1.56 > 1.5 & < 3
Outstanding Shares: last quarter (101.3m) vs 12m ago -2.48% < -2%
Gross Margin: 47.01% > 18% (prev 49.67%; Δ -2.66% > 0.5%)
Asset Turnover: 56.15% > 50% (prev 54.77%; Δ 1.38% > 0%)
Interest Coverage Ratio: 5.56 > 6 (EBIT TTM 281.1m / Interest Expense TTM 50.6m)

Altman Z'' 4.46

A: 0.14 (Total Current Assets 1.19b - Total Current Liabilities 761.1m) / Total Assets 3.12b
B: 0.62 (Retained Earnings 1.93b / Total Assets 3.12b)
C: 0.09 (EBIT TTM 281.1m / Avg Total Assets 3.14b)
D: 0.92 (Book Value of Equity 1.49b / Total Liabilities 1.63b)
Altman-Z'' = 4.46 = AA

Beneish M -3.42

DSRI: 0.46 (Receivables 428.3m/907.0m, Revenue 1.76b/1.73b)
GMI: 1.06 (GM 49.67% / 47.01%)
AQI: 0.98 (AQ_t 0.60 / AQ_t-1 0.61)
SGI: 1.02 (Revenue 1.76b / 1.73b)
TATA: -0.09 (NI 167.0m - CFO 440.1m) / TA 3.12b)
Beneish M = -3.42 (Cap -4..+1) = AA

What is the price of ACIW shares?

As of November 14, 2026, the stock is trading at USD 60.79 with a total of 562,158 shares traded. Over the past week, the price has changed by +1.28%, over one month by +18.73%, over three months by +13.29% and over the past year by +28.90%.

Current recommended Stop Loss: 58.40 (which is 3.9% or 1.3 ATR below the current price).

Is ACIW a buy, sell or hold?

ACI Worldwide has received a consensus analysts rating of 4.20. Therefore, it is recommended to buy ACIW.

StrongBuy: 3
Buy: 0
Hold: 2
Sell: 0
StrongSell: 0

What are the forecasts/targets for the ACIW price?

Analysts Target Price	66	8.6%

ACI Worldwide (ACIW) - Fundamental Data Overview as of 07 November 2026

Market Cap USD = 6.01b (6.01b USD * 1.0 USD.USD)
P/E Trailing = 26.9321
P/E Forward = 14.6843
P/S = 3.283
P/B = 3.9411
P/EG = 1.7751
Revenue TTM = 1.76b USD
EBIT TTM = 281.1m USD
EBITDA TTM = 384.0m USD
Long Term Debt = 776.7m USD (from longTermDebt, last fiscal year)
Short Term Debt = 50.4m USD (from shortTermDebt, last quarter)
Debt = 871.7m USD (from shortLongTermDebtTotal, last quarter) + Leases 27.3m
Net Debt = 652.9m USD (calculated: Debt 871.7m - CCE 218.8m)
Enterprise Value = 6.66b USD (6.01b + Debt 871.7m - CCE 218.8m)
Interest Coverage Ratio = 5.56 (Ebit TTM 281.1m / Interest Expense TTM 50.6m)
EV/FCF = 16.33x (Enterprise Value 6.66b / FCF TTM 407.9m)
FCF Yield = 6.12% (FCF TTM 407.9m / Enterprise Value 6.66b)
FCF Margin = 23.11% (FCF TTM 407.9m / Revenue TTM 1.76b)
Net Margin = 9.46% (Net Income TTM 167.0m / Revenue TTM 1.76b)
Gross Margin = 47.01% ((Revenue TTM 1.76b - Cost of Revenue TTM 935.0m) / Revenue TTM)
Gross Margin QoQ = 45.78% (prev 42.18%)
Tobins Q-Ratio = 2.13 (Enterprise Value 6.66b / Total Assets 3.12b)
Interest Expense / Debt = 5.80% (Interest Expense 50.6m / Debt 871.7m)
Taxrate = 27.59% (63.6m / 230.6m)
NOPAT = 203.6m (EBIT 281.1m * (1 - 27.59%))
Current Ratio = 1.56 (Total Current Assets 1.19b / Total Current Liabilities 761.1m)
Debt / Equity = 0.58 (Debt 871.7m / totalStockholderEquity, last quarter 1.49b)
Debt / EBITDA = 1.70 (Net Debt 652.9m / EBITDA 384.0m)
Debt / FCF = 1.60 (Net Debt 652.9m / FCF TTM 407.9m)
Total Stockholder Equity = 1.50b (last 4 quarters mean from totalStockholderEquity)
RoA = 5.31% (Net Income 167.0m / Total Assets 3.12b)
RoE = 11.11% (Net Income TTM 167.0m / Total Stockholder Equity 1.50b)
RoCE = 12.34% (EBIT 281.1m / Capital Employed (Equity 1.50b + L.T.Debt 776.7m))
RoIC = 8.75% (NOPAT 203.6m / Invested Capital 2.33b)
WACC = 6.27% (E(6.01b)/V(6.88b) * Re(6.57%) + D(871.7m)/V(6.88b) * Rd(5.80%) * (1-Tc(0.28)))
Discount Rate = 6.57% (= CAPM, Blume Beta Adj.)
Shares (quarterly) Correlation: -93.89 | Cagr: -2.06%
[DCF] Terminal Value 77.97% ; FCFF base≈362.4m ; Y1≈415.4m ; Y5≈611.4m
[DCF] Fair Price = 84.67 (EV 9.20b - Net Debt 652.9m = Equity 8.55b / Shares 101.0m; r=8.35% [WACC [floored]]; 5y FCF grow 15.0% → 2.50% )
EPS Correlation: 50.12 | EPS CAGR: 10.46% | SUE: -0.58 | # QB: 0
Revenue Correlation: 95.94 | Revenue CAGR: 8.45% | SUE: 0.32 | # QB: 0
EPS current Quarter (2027-03-31): EPS=0.55 | Chg30d=+8.91% | Revisions=+0% | Analysts=3
EPS current Year (2026-12-31): EPS=3.60 | Chg30d=+0.21% | Revisions=+50% | GrowthEPS=+27.1% | GrowthRev=+8.3%
EPS next Year (2027-12-31): EPS=3.90 | Chg30d=+0.32% | Revisions=+25% | GrowthEPS=+8.5% | GrowthRev=+7.6%
[Analyst] Revisions Ratio: +44% (up=5, down=1)