ACIW

ACI Worldwide, Inc.

Fundamental data last updated:May 16, 2026

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company profile

SECTOR

Technology

industry

Software - Infrastructure

Exchange

NASDAQ

County of HQ

US

Next Earnings Date

08/06/2026

Business Summary

ACI Worldwide, Inc., a software company, develops, markets, installs, and supports a range of software products and solutions for facilitating digital payments to banks, merchants, and billers worldwide. The company offers ACI Acquiring, a merchant management system to deliver digital innovation, improve fraud prevention, and reduce interchange fees; ACI Issuing, a digital payments issuing solution; and ACI Enterprise Payments Platform that provides payment processing and orchestration capabilities for digital payments. It also provides ACI Low Value Real-Time Payments, a platform for processing real-time payments; and ACI High Value Real-Time Payments, a payments engine that offers multi-bank, multi-currency, 24x7 payment processing, and SWIFT messaging. In addition, the company offers ACI Omni Commerce, a scalable, omni-channel payment processing platform; ACI Secure eCommerce solution; ACI Fraud Management, a real-time approach to fraud management; ACI Digital Business Banking, a cloud-based digital banking platform; and ACI Speedpay, an integrated suite of digital billing, payment, disbursement, and communication services. The company offers electronic bill presentment and payment services to consumer finance, insurance, healthcare, higher education, utility, government, and mortgage sectors; implementation services, including product installations and configurations, and custom software modifications; and business and technical consultancy, on-site support, product education, and testing services, as well as distributes or acts as a sales agent for software developed by third parties. It markets its products under the ACI Worldwide brand. The company was formerly known as Transaction Systems Architects, Inc. and changed its name to ACI Worldwide, Inc. in July 2007. The company was founded in 1975 and is based in Coral Gables, Florida.

 


VALUATION

P/E

20.21

Market Cap ($M USD)

$4.15B

Forward P/E

14.26

PEG

0.34

PRICE TO SALES

2.32

PRICE TO BOOK

2.78

EV / EBITDA

11.03

5-Year Average P/E

Free Cash Flow Yield

6.97%

DCF Value

$73.08

Graham Number

$25.88

Price to FCF

14.34

EV to FCF

16.72

Earnings Yield

4.95%

FCF Yield

6.97%

DIVIDEND

Yield

0.00%

Annual Payout

$0.00

Payout Ratio

0.00%

Consecutive Years of Dividend Growth

5-Year Dividend Growth Rate

Financial Health & Profitability

Earnings Per Share

$2.02

Next Year EPS Growth Estimate

$2.87

Next Year Revenue Growth Estimate

$204.37B

Return on Equity (ROE)

13.99%

FREE CASH FLOW

Operating Margin

18.67%

Debt-to-Equity

0.57

Piotroski F-Score

8

Altman Z-Score

3.48

Return on Invested Capital (ROIC)

14.13%

Current Ratio

1.53

Quick Ratio

1.53

Net Debt to EBITDA

1.57

Interest Coverage

6.04

Gross Profit margin

47.63%

FCF PER SHARE

$2.84

REVENUE PER SHARE

$17.57

Gainseekers Quantitative Analysis

Summary

ACIW’s valuation presents a compelling opportunity. Recent pricing indicated the stock traded below its DCF value of $73.57, suggesting a potential undervaluation. The Forward P/E of 15.88 and a robust Altman Z-score of 3.66 highlight both growth potential and financial stability. With an Earnings Yield of 4.44%, the market may be underestimating its earnings power. This mispricing, coupled with a Graham Number of 25.88, suggests a margin of safety for value investors.

AI Exposure / Tech Reliance

Operating within the Software - Infrastructure industry, ACIW is well-positioned to leverage AI advancements. Its focus on infrastructure software aligns with the growing demand for AI-driven solutions. This positioning allows it to adapt swiftly to technological shifts, maintaining relevance in a rapidly evolving market.

The Bull Case

For the discerning GARP investor, ACIW offers a tantalizing mix of growth and value. A stellar ROIC of 14.13% and a Piotroski F-Score of 9 underscore its operational efficiency and financial health. The company's Free Cash Flow Yield of 6.26% and an Operating Margin of 18.67% reflect strong cash generation and pricing power. These metrics paint a picture of a company capable of delivering consistent returns on invested capital.

The Bear Case

Despite its strengths, ACIW faces structural risks. The Price/Book ratio of 3.09 and Price/Sales of 2.58 suggest a premium valuation that may not be justified by its current earnings. Additionally, the stock's proximity to its 52-week high, with only a 19.27% distance, raises concerns about potential overextension. The lack of a dividend yield further detracts from its appeal to income-focused investors.

Market Sentiment & Smart Money

Short Interest %

Analyst Consensus

Buy

Average Analyst Price Target

$70.00

Institutional Ownership %

1-Year Beta

1.02

Insider Buying % (6 Mo)

Distance to 52-Week High

32.81%

Distance to 52-Week Low

6.90%

EARNINGS SURPRISE %

65.52%

50-DAY SMA

$41.96

200-DAY SMA

$45.58

⚠️ Financial Disclaimer:
This content is for informational purposes only and is not financial advice. Information may be delayed or inaccurate. We may earn a commission from partner links.