ACIW Stock Analysis: ACI Worldwide | NASDAQ
Software - Infrastructure | NASDAQ, USA | Market Cap: 5.346m USD | 12M Return: 2.9% | US0044981019 | Charts, Fundamentals & Technical Analysis
Avg Turnover: 40.2M
EPS Trend: 80.2%
Qual. Beats: 0
Rev. Trend: 98.8%
Qual. Beats: 0
Warnings
Tailwinds
No distinct edge detected
Seasonality 11.6 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: 225.7m TTM > 0 and > 6% of Revenue |
| FCF/TA: 0.11 > 0.02 and ΔFCF/TA 1.71 > 1.0 |
| NWC/Revenue: 23.13% < 20% (prev 21.76%; Δ 1.37% < -1%) |
| CFO/TA 0.13 > 3% & CFO 394.1m > Net Income 225.7m |
| Net Debt (709.4m) to EBITDA (464.6m): 1.53 < 3 |
| Current Ratio: 1.58 > 1.5 & < 3 |
| Outstanding Shares: last quarter (101.7m) vs 12m ago -3.26% < -2% |
| Gross Margin: 49.08% > 18% (prev 50.28%; Δ -1.19% > 0.5%) |
| Asset Turnover: 58.40% > 50% (prev 54.19%; Δ 4.21% > 0%) |
| Interest Coverage Ratio: 6.80 > 6 (EBIT TTM 359.3m / Interest Expense TTM 52.8m) |
| A: 0.14 (Total Current Assets 1.14b - Total Current Liabilities 723.4m) / Total Assets 3.10b |
| B: 0.61 (Retained Earnings 1.89b / Total Assets 3.10b) |
| C: 0.12 (EBIT TTM 359.3m / Avg Total Assets 3.12b) |
| D: 0.94 (Book Value of Equity 1.50b / Total Liabilities 1.60b) |
| Altman-Z'' = 4.65 = AA |
| DSRI: 2.97 (Receivables 1.26b/398.2m, Revenue 1.82b/1.70b) |
| GMI: 1.02 (GM 50.28% / 49.08%) |
| AQI: 0.99 (AQ_t 0.61 / AQ_t-1 0.62) |
| SGI: 1.07 (Revenue 1.82b / 1.70b) |
| TATA: -0.05 (NI 225.7m - CFO 394.1m) / TA 3.10b) |
| Beneish M = -1.35 (Cap -4..+1) = D |
As of September 15, 2026, the stock is trading at USD 52.09 with a total of 553,956 shares traded. Over the past week, the price has changed by -1.55%, over one month by -0.29%, over three months by +17.43% and over the past year by +2.88%.
Current recommended Stop Loss: 49.80 (which is 4.4% or 1.5 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 | 67.3 | 29.3% |
P/E Trailing = 24.289
P/E Forward = 13.3869
P/S = 2.9369
P/B = 3.5398
P/EG = 1.7751
Revenue TTM = 1.82b USD
EBIT TTM = 359.3m USD
EBITDA TTM = 464.6m USD
Long Term Debt = 781.2m USD (from longTermDebt, last quarter)
Short Term Debt = 49.7m USD (from shortTermDebt, last quarter)
Debt = 876.8m USD (from shortLongTermDebtTotal, last quarter) + Leases 27.3m
Net Debt = 709.4m USD (calculated: Debt 876.8m - CCE 167.4m)
Enterprise Value = 6.05b USD (5.35b + Debt 876.8m - CCE 167.4m)
Interest Coverage Ratio = 6.80 (Ebit TTM 359.3m / Interest Expense TTM 52.8m)
EV/FCF = 17.07x (Enterprise Value 6.05b / FCF TTM 354.6m)
FCF Yield = 5.86% (FCF TTM 354.6m / Enterprise Value 6.05b)
FCF Margin = 19.48% (FCF TTM 354.6m / Revenue TTM 1.82b)
Net Margin = 12.40% (Net Income TTM 225.7m / Revenue TTM 1.82b)
Gross Margin = 49.08% ((Revenue TTM 1.82b - Cost of Revenue TTM 926.8m) / Revenue TTM)
Gross Margin QoQ = 42.18% (prev 46.34%)
Tobins Q-Ratio = 1.96 (Enterprise Value 6.05b / Total Assets 3.10b)
Interest Expense / Debt = 6.02% (Interest Expense 52.8m / Debt 876.8m)
Taxrate = 26.37% (80.8m / 306.5m)
NOPAT = 264.6m (EBIT 359.3m * (1 - 26.37%))
Current Ratio = 1.58 (Total Current Assets 1.14b / Total Current Liabilities 723.4m)
Debt / Equity = 0.59 (Debt 876.8m / totalStockholderEquity, last quarter 1.50b)
Debt / EBITDA = 1.53 (Net Debt 709.4m / EBITDA 464.6m)
Debt / FCF = 2.00 (Net Debt 709.4m / FCF TTM 354.6m)
Total Stockholder Equity = 1.50b (last 4 quarters mean from totalStockholderEquity)
RoA = 7.24% (Net Income 225.7m / Total Assets 3.10b)
RoE = 15.06% (Net Income TTM 225.7m / Total Stockholder Equity 1.50b)
RoCE = 15.76% (EBIT 359.3m / Capital Employed (Equity 1.50b + L.T.Debt 781.2m))
RoIC = 11.35% (NOPAT 264.6m / Invested Capital 2.33b)
WACC = 7.03% (E(5.35b)/V(6.22b) * Re(7.45%) + D(876.8m)/V(6.22b) * Rd(6.02%) * (1-Tc(0.26)))
Discount Rate = 7.45% (= CAPM, Blume Beta Adj.)
Shares (quarterly) Correlation: -91.72 | Cagr: -2.16%
[DCF] Terminal Value 77.97% ; FCFF base≈335.1m ; Y1≈384.1m ; Y5≈565.3m
[DCF] Fair Price = 77.24 (EV 8.51b - Net Debt 709.4m = Equity 7.80b / Shares 101.0m; r=8.35% [WACC [floored]]; 5y FCF grow 15.0% → 2.50% )
EPS Correlation: 80.17 | EPS CAGR: 23.64% | SUE: 0.51 | # QB: 0
Revenue Correlation: 98.77 | Revenue CAGR: 9.66% | SUE: -0.01 | # QB: 0
EPS current Quarter (2026-09-30): EPS=0.61 | Chg30d=-26.21% | Revisions=-40% | Analysts=3
EPS current Year (2026-12-31): EPS=3.59 | Chg30d=+2.08% | Revisions=+25% | GrowthEPS=+26.9% | GrowthRev=+8.3%
EPS next Year (2027-12-31): EPS=3.89 | Chg30d=+1.30% | Revisions=+40% | GrowthEPS=+8.4% | GrowthRev=+7.6%
[Analyst] Revisions Ratio: +12% (up=3, down=2)