Overview Dividends

(ACIW) ACI Worldwide - Ratings and Ratios

Exchange: NASDAQ • Country: United States • Currency: USD • Type: Common Stock • ISIN: US0044981019

Payments, Orchestration, Fraud, Billing, Consultancy

ACIW EPS (Earnings per Share)

EPS Growth (3Y CAGR): -36.04%
EPS Trend (3Y Correlation): 12.2%

ACIW Revenue

Revenue Growth (3Y CAGR): 10.28%
Revenue Trend (3Y Correlation): 45.4%

Description: ACIW ACI Worldwide November 05, 2025

Aci Worldwide Inc. (NASDAQ: ACIW) builds and supports a suite of software solutions that enable electronic payments for banks, merchants, and billers worldwide. Its core offerings include ACI Acquiring (card-transaction processing and fraud mitigation), ACI Issuing (digital-payment issuance), and the ACI Enterprise Payments Platform, which together provide end-to-end orchestration of digital payments across multiple channels.

The company also delivers account-to-account (A2A) processing for banks and intermediaries, compliance tools for evolving regulations, and a dedicated Payments Orchestration Platform that optimizes routing, pricing, and settlement. Complementary services cover fraud-management scoring (AI-driven and human-augmented), the Speedpay suite for billing and disbursement, and consulting/implementation support for sectors ranging from healthcare to utilities.

Key financial indicators (FY 2023) show revenue of roughly $1.2 billion, a 6 % year-over-year increase, and a net profit margin near 5 %. The firm processed over $5 trillion in transaction volume, reflecting a 12 % growth rate driven by rising adoption of real-time payments and the shift toward omnichannel commerce. ACI’s subscription-based recurring revenue now represents about 30 % of total sales, a metric that analysts watch as a proxy for revenue stability.

Sector-wide, the electronic-payments market is expanding at a compound annual growth rate of 10 %-12 % through 2028, fueled by regulatory pushes for faster payments, Open Banking initiatives, and increasing consumer demand for digital wallets. ACI’s positioning across acquiring, issuing, and orchestration gives it exposure to multiple growth vectors, but competitive pressure from fintech platforms and large cloud providers remains a material risk.

If you want a deeper, data-driven look at ACI’s valuation metrics and scenario analysis, the ValueRay platform provides a transparent framework that can help you test assumptions and compare peers.

ACIW Stock Overview

Market Cap in USD	4,915m
Sub-Industry	Application Software
IPO / Inception	1995-02-23

ACIW Stock Ratings

Growth Rating	27.0%
Fundamental	71.0%
Dividend Rating	-
Return 12m vs S&P 500	-21.3%
Analyst Rating	4.14 of 5

ACIW Dividends

Currently no dividends paid

ACIW Growth Ratios

Growth Correlation 3m	38.9%
Growth Correlation 12m	-62.5%
Growth Correlation 5y	38.8%
CAGR 5y	31.88%
CAGR/Max DD 3y (Calmar Ratio)	1.00
CAGR/Mean DD 3y (Pain Ratio)	3.04
Sharpe Ratio 12m	0.16
Alpha	-24.71
Beta	1.050
Volatility	30.59%
Current Volume	492.8k
Average Volume 20d	571.8k
Stop Loss	45.9 (-3.1%)
Signal	0.24

Piotroski VR‑10 (Strict, 0-10) 7.0

Net Income (251.1m TTM) > 0 and > 6% of Revenue (6% = 102.0m TTM)

FCFTA 0.10 (>2.0%) and ΔFCFTA 2.72pp (YES ≥ +1.0pp, WARN ≥ +0.5pp)

NWC/Revenue 21.76% (prev 22.05%; Δ -0.28pp) (YES ≤20% & Δ≤-1pp; WARN ≤25% & Δ≤0 oder ≤40% & Δ≤-3pp)

CFO/TA 0.10 (>3.0%) and CFO 313.5m > Net Income 251.1m (YES >=105%, WARN >=100%)

Net Debt (756.6m) to EBITDA (484.6m) ratio: 1.56 <= 3.0 (WARN <= 3.5)

Current Ratio 1.48 (target 1.5–3.0; WARN 1.2–<1.5 or >3.0–5.0; CFO/TA gate active)

Outstanding Shares last Quarter (105.1m) change vs 12m ago -1.00% (target <= -2.0% for YES)

Gross Margin 50.28% (prev 50.71%; Δ -0.44pp) >=18% & Δ>=+0.5pp (WARN >=15% & Δ>=0)

Asset Turnover 52.30% (prev 45.45%; Δ 6.86pp) >=50% & Δ>=+2pp (WARN >=35% & Δ>=0)

Interest Coverage Ratio 5.78 (EBITDA TTM 484.6m / Interest Expense TTM 64.2m) >= 6 (WARN >= 3)

Altman Z'' 4.22

(A) 0.12 = (Total Current Assets 1.14b - Total Current Liabilities 774.6m) / Total Assets 3.14b

(B) 0.53 = Retained Earnings (Balance) 1.67b / Total Assets 3.14b

(D) 0.90 = Book Value of Equity 1.57b / Total Liabilities 1.74b

Total Rating: 4.22 = (6.56 * A) + (3.26 * B) + (6.72 * C) + (1.05 * D)

ValueRay F-Score (Strict, 0-100) 71.00

1. Piotroski 7.0pt = 2.0

2. FCF Yield 5.48% = 2.74

3. FCF Margin 18.29% = 4.57

4. Debt/Equity 0.68 = 2.28

5. Debt/Ebitda 1.56 = 0.84

6. ROIC - WACC (= 2.46)% = 3.07

7. RoE 17.84% = 1.49

8. Rev. Trend 45.37% = 3.40

9. EPS Trend 12.16% = 0.61

What is the price of ACIW shares?

As of November 05, 2025, the stock is trading at USD 47.37 with a total of 492,827 shares traded.
Over the past week, the price has changed by -4.78%, over one month by -11.59%, over three months by +12.97% and over the past year by -5.54%.

Is ACI Worldwide a good stock to buy?

Partly, yes. Based on ValueRay´s Fundamental Analyses, ACI Worldwide (NASDAQ:ACIW) is currently (November 2025) ok to buy, but has to be watched. It has a ValueRay Fundamental Rating of 71.00 and therefor a somewhat positive outlook according to the companies health.
Based on momentum, paid dividends and discounted-cash-flow analyses, the fair value of ACIW is around 46.39 USD . This means that ACIW is currently overvalued and has a potential downside of -2.07%.

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.

Strong Buy: 4
Buy: 0
Hold: 3
Sell: 0
Strong Sell: 0

What are the forecasts/targets for the ACIW price?

Issuer	Target	Up/Down from current
Wallstreet Target Price	64.6	36.4%
Analysts Target Price	64.6	36.4%
ValueRay Target Price	51.7	9.2%

ACIW Fundamental Data Overview November 04, 2025

Market Cap USD = 4.92b (4.92b USD * 1.0 USD.USD)
P/E Trailing = 20.1822
P/E Forward = 15.5521
P/S = 2.8902
P/B = 3.9263
P/EG = -3.24
Beta = 1.05
Revenue TTM = 1.70b USD
EBIT TTM = 371.2m USD
EBITDA TTM = 484.6m USD
Long Term Debt = 857.1m USD (from longTermDebt, last quarter)
Short Term Debt = 65.6m USD (from shortTermDebt, last quarter)
Debt = 946.3m USD (from shortLongTermDebtTotal, last quarter)
Net Debt = 756.6m USD (from netDebt column, last quarter)
Enterprise Value = 5.67b USD (4.92b + Debt 946.3m - CCE 189.7m)
Interest Coverage Ratio = 5.78 (Ebit TTM 371.2m / Interest Expense TTM 64.2m)
FCF Yield = 5.48% (FCF TTM 311.0m / Enterprise Value 5.67b)
FCF Margin = 18.29% (FCF TTM 311.0m / Revenue TTM 1.70b)
Net Margin = 14.76% (Net Income TTM 251.1m / Revenue TTM 1.70b)
Gross Margin = 50.28% ((Revenue TTM 1.70b - Cost of Revenue TTM 845.6m) / Revenue TTM)
Gross Margin QoQ = 41.48% (prev 45.92%)
Tobins Q-Ratio = 1.81 (Enterprise Value 5.67b / Total Assets 3.14b)
Interest Expense / Debt = 1.54% (Interest Expense 14.5m / Debt 946.3m)
Taxrate = 31.73% (5.67m / 17.9m)
NOPAT = 253.5m (EBIT 371.2m * (1 - 31.73%))
Current Ratio = 1.48 (Total Current Assets 1.14b / Total Current Liabilities 774.6m)
Debt / Equity = 0.68 (Debt 946.3m / totalStockholderEquity, last quarter 1.39b)
Debt / EBITDA = 1.56 (Net Debt 756.6m / EBITDA 484.6m)
Debt / FCF = 2.43 (Net Debt 756.6m / FCF TTM 311.0m)
Total Stockholder Equity = 1.41b (last 4 quarters mean from totalStockholderEquity)
RoA = 8.00% (Net Income 251.1m / Total Assets 3.14b)
RoE = 17.84% (Net Income TTM 251.1m / Total Stockholder Equity 1.41b)
RoCE = 16.39% (EBIT 371.2m / Capital Employed (Equity 1.41b + L.T.Debt 857.1m))
RoIC = 10.91% (NOPAT 253.5m / Invested Capital 2.32b)
WACC = 8.45% (E(4.92b)/V(5.86b) * Re(9.88%) + D(946.3m)/V(5.86b) * Rd(1.54%) * (1-Tc(0.32)))
Discount Rate = 9.88% (= CAPM, Blume Beta Adj.)
Shares Correlation 3-Years: -100.0 | Cagr: -1.87%
[DCF Debug] Terminal Value 75.71% ; FCFE base≈283.4m ; Y1≈349.6m ; Y5≈596.5m
Fair Price DCF = 71.36 (DCF Value 7.36b / Shares Outstanding 103.2m; 5y FCF grow 25.0% → 3.0% )
EPS Correlation: 12.16 | EPS CAGR: -36.04% | SUE: -4.0 | # QB: 0
Revenue Correlation: 45.37 | Revenue CAGR: 10.28% | SUE: 1.29 | # QB: 2

Additional Sources for ACIW Stock

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