ACI WORLDWIDE INC (ACIW) Stock Fundamental Analysis

NASDAQ:ACIW • US0044981019

39.36 USD
+0.89 (+2.31%)
Last: Feb 24, 2026, 02:38 PM
Overview Stock Chart Technical Analysis Fundamental Analysis Analyst Ratings Earnings Estimates Financials Ownership News
Fundamental Rating

6

We assign a fundamental rating of 6 out of 10 to ACIW. ACIW was compared to 274 industry peers in the Software industry. ACIW scores excellent on profitability, but there are some minor concerns on its financial health. ACIW may be a bit undervalued, certainly considering the very reasonable score on growth These ratings could make ACIW a good candidate for value investing.


Dividend Valuation Growth Profitability Health

8

1. Profitability

1.1 Basic Checks

  • In the past year ACIW was profitable.
  • In the past year ACIW had a positive cash flow from operations.
  • In the past 5 years ACIW has always been profitable.
  • Each year in the past 5 years ACIW had a positive operating cash flow.
ACIW Yearly Net Income VS EBIT VS OCF VS FCFACIW Yearly Net Income VS EBIT VS OCF VS FCFYearly Net Income VS EBIT VS OCF VS FCF 2016 2017 2018 2019 2020 2021 2022 2023 2024 100M 200M 300M

1.2 Ratios

  • ACIW's Return On Assets of 8.25% is amongst the best of the industry. ACIW outperforms 80.66% of its industry peers.
  • ACIW has a Return On Equity of 17.64%. This is amongst the best in the industry. ACIW outperforms 85.04% of its industry peers.
  • Looking at the Return On Invested Capital, with a value of 12.15%, ACIW belongs to the top of the industry, outperforming 86.50% of the companies in the same industry.
  • The Average Return On Invested Capital over the past 3 years for ACIW is below the industry average of 10.76%.
  • The 3 year average ROIC (8.48%) for ACIW is below the current ROIC(12.15%), indicating increased profibility in the last year.
Industry RankSector Rank
ROA 8.25%
ROE 17.64%
ROIC 12.15%
ROA(3y)4.89%
ROA(5y)4.17%
ROE(3y)11.78%
ROE(5y)10.33%
ROIC(3y)8.48%
ROIC(5y)7.85%
ACIW Yearly ROA, ROE, ROICACIW Yearly ROA, ROE, ROICYearly ROA, ROE, ROIC 2016 2017 2018 2019 2020 2021 2022 2023 2024 5 10 15

1.3 Margins

  • ACIW has a Profit Margin of 15.07%. This is in the better half of the industry: ACIW outperforms 78.47% of its industry peers.
  • In the last couple of years the Profit Margin of ACIW has grown nicely.
  • ACIW has a better Operating Margin (20.82%) than 86.86% of its industry peers.
  • ACIW's Operating Margin has improved in the last couple of years.
  • Looking at the Gross Margin, with a value of 49.67%, ACIW is doing worse than 71.90% of the companies in the same industry.
  • In the last couple of years the Gross Margin of ACIW has remained more or less at the same level.
Industry RankSector Rank
OM 20.82%
PM (TTM) 15.07%
GM 49.67%
OM growth 3Y6.84%
OM growth 5Y11.36%
PM growth 3Y10.97%
PM growth 5Y19.03%
GM growth 3Y-1.94%
GM growth 5Y-0.23%
ACIW Yearly Profit, Operating, Gross MarginsACIW Yearly Profit, Operating, Gross MarginsYearly Profit, Operating, Gross Margins 2016 2017 2018 2019 2020 2021 2022 2023 2024 10 20 30 40 50

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ROAROEROICOperating and Profit MarginShow most profitable peers

5

2. Health

2.1 Basic Checks

  • The Return on Invested Capital (ROIC) is just above the Cost of Capital (WACC), so ACIW is still creating some value.
  • The number of shares outstanding for ACIW has been reduced compared to 1 year ago.
  • The number of shares outstanding for ACIW has been reduced compared to 5 years ago.
  • ACIW has a worse debt/assets ratio than last year.
ACIW Yearly Shares OutstandingACIW Yearly Shares OutstandingYearly Shares Outstanding 2016 2017 2018 2019 2020 2021 2022 2023 2024 20M 40M 60M 80M 100M
ACIW Yearly Total Debt VS Total AssetsACIW Yearly Total Debt VS Total AssetsYearly Total Debt VS Total Assets 2016 2017 2018 2019 2020 2021 2022 2023 2024 1B 2B 3B

2.2 Solvency

  • ACIW has an Altman-Z score of 3.28. This indicates that ACIW is financially healthy and has little risk of bankruptcy at the moment.
  • ACIW's Altman-Z score of 3.28 is fine compared to the rest of the industry. ACIW outperforms 67.88% of its industry peers.
  • ACIW has a debt to FCF ratio of 3.02. This is a good value and a sign of high solvency as ACIW would need 3.02 years to pay back of all of its debts.
  • Looking at the Debt to FCF ratio, with a value of 3.02, ACIW is in the better half of the industry, outperforming 63.14% of the companies in the same industry.
  • A Debt/Equity ratio of 0.56 indicates that ACIW is somewhat dependend on debt financing.
  • With a Debt to Equity ratio value of 0.56, ACIW is not doing good in the industry: 67.88% of the companies in the same industry are doing better.
Industry RankSector Rank
Debt/Equity 0.56
Debt/FCF 3.02
Altman-Z 3.28
ROIC/WACC1.09
WACC11.12%
ACIW Yearly LT Debt VS Equity VS FCFACIW Yearly LT Debt VS Equity VS FCFYearly LT Debt VS Equity VS FCF 2016 2017 2018 2019 2020 2021 2022 2023 2024 500M 1B

2.3 Liquidity

  • ACIW has a Current Ratio of 1.58. This is a normal value and indicates that ACIW is financially healthy and should not expect problems in meeting its short term obligations.
  • The Current ratio of ACIW (1.58) is comparable to the rest of the industry.
  • A Quick Ratio of 1.58 indicates that ACIW should not have too much problems paying its short term obligations.
  • The Quick ratio of ACIW (1.58) is comparable to the rest of the industry.
Industry RankSector Rank
Current Ratio 1.58
Quick Ratio 1.58
ACIW Yearly Current Assets VS Current LiabilitesACIW Yearly Current Assets VS Current LiabilitesYearly Current Assets VS Current Liabilites 2016 2017 2018 2019 2020 2021 2022 2023 2024 500M 1B

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WACCDebt/EquityHow to determine the health of a companyAltman-Z scoreShow peers with great health

5

3. Growth

3.1 Past

  • ACIW shows a strong growth in Earnings Per Share. In the last year, the EPS has been growing by 17.54%, which is quite good.
  • ACIW shows a strong growth in Earnings Per Share. Measured over the last years, the EPS has been growing by 27.49% yearly.
  • ACIW shows a small growth in Revenue. In the last year, the Revenue has grown by 7.01%.
  • ACIW shows a small growth in Revenue. Measured over the last years, the Revenue has been growing by 4.85% yearly.
EPS 1Y (TTM)17.54%
EPS 3Y21.14%
EPS 5Y27.49%
EPS Q2Q%14.29%
Revenue 1Y (TTM)7.01%
Revenue growth 3Y5.17%
Revenue growth 5Y4.85%
Sales Q2Q%6.78%

3.2 Future

  • ACIW is expected to show quite a strong growth in Earnings Per Share. In the coming years, the EPS will grow by 14.85% yearly.
  • Based on estimates for the next years, ACIW will show a small growth in Revenue. The Revenue will grow by 7.95% on average per year.
EPS Next Y24.76%
EPS Next 2Y16.39%
EPS Next 3Y14.85%
EPS Next 5YN/A
Revenue Next Year9.42%
Revenue Next 2Y8.16%
Revenue Next 3Y7.95%
Revenue Next 5YN/A

3.3 Evolution

  • The estimated forward EPS growth is still strong, although it is decreasing when compared to the stronger growth in the past years.
  • The Revenue growth rate is accelerating: in the next years the growth will be better than in the last years.
ACIW Yearly Revenue VS EstimatesACIW Yearly Revenue VS EstimatesYearly Revenue VS Estimates 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 2027 500M 1B 1.5B 2B
ACIW Yearly EPS VS EstimatesACIW Yearly EPS VS EstimatesYearly EPS VS Estimates 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 2027 0.5 1 1.5 2 2.5

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Find the best growth stocksShow best growing peers

7

4. Valuation

4.1 Price/Earnings Ratio

  • A Price/Earnings ratio of 15.87 indicates a correct valuation of ACIW.
  • Based on the Price/Earnings ratio, ACIW is valued a bit cheaper than 77.37% of the companies in the same industry.
  • Compared to an average S&P500 Price/Earnings ratio of 26.64, ACIW is valued a bit cheaper.
  • With a Price/Forward Earnings ratio of 15.13, ACIW is valued correctly.
  • Based on the Price/Forward Earnings ratio, ACIW is valued a bit cheaper than the industry average as 73.36% of the companies are valued more expensively.
  • ACIW's Price/Forward Earnings ratio indicates a valuation a bit cheaper than the S&P500 average which is at 27.75.
Industry RankSector Rank
PE 15.87
Fwd PE 15.13
ACIW Price Earnings VS Forward Price EarningsACIW Price Earnings VS Forward Price Earnings ChartPrice Earnings - Forward Price Earnings PE FPE 10 20 30 40

4.2 Price Multiples

  • 86.50% of the companies in the same industry are more expensive than ACIW, based on the Enterprise Value to EBITDA ratio.
  • Compared to the rest of the industry, the Price/Free Cash Flow ratio of ACIW indicates a rather cheap valuation: ACIW is cheaper than 81.75% of the companies listed in the same industry.
Industry RankSector Rank
P/FCF 14.1
EV/EBITDA 10.31
ACIW Per share dataACIW EPS, Sales, OCF, FCF, BookValue per sharePer Share Data Per Share 5 10 15

4.3 Compensation for Growth

  • ACIW's low PEG Ratio(NY), which compensates the Price/Earnings for growth, indicates a rather cheap valuation of the company.
  • The excellent profitability rating of ACIW may justify a higher PE ratio.
  • ACIW's earnings are expected to grow with 14.85% in the coming years. This may justify a more expensive valuation.
PEG (NY)0.64
PEG (5Y)0.58
EPS Next 2Y16.39%
EPS Next 3Y14.85%

More info and screens

Price/EarningsPrice/FCFFCF per shareEV/EBITDAPEG RATIOShow best valued peers

0

5. Dividend

5.1 Amount

  • No dividends for ACIW!.
Industry RankSector Rank
Dividend Yield 0%

More info and screens

Find the best dividend stocksShow peers with best dividend

ACI WORLDWIDE INC

NASDAQ:ACIW (2/24/2026, 2:38:02 PM)

39.36

+0.89 (+2.31%)

Chartmill FA Rating
GICS IndustryGroupSoftware & Services
GICS IndustrySoftware
Earnings (Last)11-06
Earnings (Next)02-26
Inst Owners101.2%
Inst Owner Change-3.73%
Ins Owners0.64%
Ins Owner Change2.63%
Market Cap4.06B
Revenue(TTM)1.73B
Net Income(TTM)260.88M
Analysts84.62
Price Target63.72 (61.89%)
Short Float %3.98%
Short Ratio5.36
Dividend
Industry RankSector Rank
Dividend Yield 0%
Yearly DividendN/A
Dividend Growth(5Y)N/A
DPN/A
Div Incr Years0
Div Non Decr Years0
Ex-DateN/A
Surprises & Revisions
EPS beat(2)2
Avg EPS beat(2)16.84%
Min EPS beat(2)7.62%
Max EPS beat(2)26.05%
EPS beat(4)4
Avg EPS beat(4)73.09%
Min EPS beat(4)7.62%
Max EPS beat(4)202.37%
EPS beat(8)8
Avg EPS beat(8)96.21%
EPS beat(12)10
Avg EPS beat(12)79.13%
EPS beat(16)10
Avg EPS beat(16)55.53%
Revenue beat(2)2
Avg Revenue beat(2)2.51%
Min Revenue beat(2)1.63%
Max Revenue beat(2)3.39%
Revenue beat(4)3
Avg Revenue beat(4)2.39%
Min Revenue beat(4)-1.68%
Max Revenue beat(4)6.21%
Revenue beat(8)6
Avg Revenue beat(8)2.89%
Revenue beat(12)9
Avg Revenue beat(12)2.88%
Revenue beat(16)12
Avg Revenue beat(16)2.05%
PT rev (1m)-4.81%
PT rev (3m)0.69%
EPS NQ rev (1m)0%
EPS NQ rev (3m)-1.44%
EPS NY rev (1m)0%
EPS NY rev (3m)1.88%
Revenue NQ rev (1m)0%
Revenue NQ rev (3m)-0.23%
Revenue NY rev (1m)0%
Revenue NY rev (3m)0.85%
Valuation
Industry RankSector Rank
PE 15.87
Fwd PE 15.13
P/S 2.34
P/FCF 14.1
P/OCF 12.39
P/B 2.74
P/tB 182.38
EV/EBITDA 10.31
EPS(TTM)2.48
EY6.3%
EPS(NY)2.6
Fwd EY6.61%
FCF(TTM)2.79
FCFY7.09%
OCF(TTM)3.18
OCFY8.07%
SpS16.79
BVpS14.35
TBVpS0.22
PEG (NY)0.64
PEG (5Y)0.58
Graham Number28.3
Profitability
Industry RankSector Rank
ROA 8.25%
ROE 17.64%
ROCE 14.87%
ROIC 12.15%
ROICexc 13.24%
ROICexgc 38.36%
OM 20.82%
PM (TTM) 15.07%
GM 49.67%
FCFM 16.62%
ROA(3y)4.89%
ROA(5y)4.17%
ROE(3y)11.78%
ROE(5y)10.33%
ROIC(3y)8.48%
ROIC(5y)7.85%
ROICexc(3y)9.15%
ROICexc(5y)8.42%
ROICexgc(3y)29.24%
ROICexgc(5y)30.02%
ROCE(3y)10.38%
ROCE(5y)9.61%
ROICexgc growth 3Y3.32%
ROICexgc growth 5Y14.4%
ROICexc growth 3Y13.64%
ROICexc growth 5Y19.94%
OM growth 3Y6.84%
OM growth 5Y11.36%
PM growth 3Y10.97%
PM growth 5Y19.03%
GM growth 3Y-1.94%
GM growth 5Y-0.23%
F-Score8
Asset Turnover0.55
Health
Industry RankSector Rank
Debt/Equity 0.56
Debt/FCF 3.02
Debt/EBITDA 1.84
Cap/Depr 44.63%
Cap/Sales 2.3%
Interest Coverage 5.92
Cash Conversion 72.87%
Profit Quality 110.3%
Current Ratio 1.58
Quick Ratio 1.58
Altman-Z 3.28
F-Score8
WACC11.12%
ROIC/WACC1.09
Cap/Depr(3y)34.27%
Cap/Depr(5y)34.01%
Cap/Sales(3y)2.74%
Cap/Sales(5y)3.03%
Profit Quality(3y)111.61%
Profit Quality(5y)168.18%
High Growth Momentum
Growth
EPS 1Y (TTM)17.54%
EPS 3Y21.14%
EPS 5Y27.49%
EPS Q2Q%14.29%
EPS Next Y24.76%
EPS Next 2Y16.39%
EPS Next 3Y14.85%
EPS Next 5YN/A
Revenue 1Y (TTM)7.01%
Revenue growth 3Y5.17%
Revenue growth 5Y4.85%
Sales Q2Q%6.78%
Revenue Next Year9.42%
Revenue Next 2Y8.16%
Revenue Next 3Y7.95%
Revenue Next 5YN/A
EBIT growth 1Y0.34%
EBIT growth 3Y12.36%
EBIT growth 5Y16.75%
EBIT Next Year73.52%
EBIT Next 3Y26.08%
EBIT Next 5YN/A
FCF growth 1Y258.35%
FCF growth 3Y21.45%
FCF growth 5Y29.97%
OCF growth 1Y163.72%
OCF growth 3Y17.61%
OCF growth 5Y22.03%

ACI WORLDWIDE INC / ACIW FAQ

What is the fundamental rating for ACIW stock?

ChartMill assigns a fundamental rating of 6 / 10 to ACIW.


What is the valuation status for ACIW stock?

ChartMill assigns a valuation rating of 7 / 10 to ACI WORLDWIDE INC (ACIW). This can be considered as Undervalued.


What is the profitability of ACIW stock?

ACI WORLDWIDE INC (ACIW) has a profitability rating of 8 / 10.


What is the valuation of ACI WORLDWIDE INC based on its PE and PB ratios?

The Price/Earnings (PE) ratio for ACI WORLDWIDE INC (ACIW) is 15.87 and the Price/Book (PB) ratio is 2.74.