ACI WORLDWIDE INC (ACIW) Stock Fundamental Analysis

NASDAQ:ACIW • US0044981019

40.35 USD
+0.67 (+1.69%)
At close: Mar 2, 2026
40.35 USD
0 (0%)
After Hours: 3/2/2026, 4:10:10 PM
Overview Stock Chart Technical Analysis Fundamental Analysis Analyst Ratings Earnings Estimates Financials Ownership News
Fundamental Rating

6

Taking everything into account, ACIW scores 6 out of 10 in our fundamental rating. ACIW was compared to 276 industry peers in the Software industry. While ACIW has a great profitability rating, there are some minor concerns on its financial health. ACIW has a correct valuation and a medium growth rate.


Dividend Valuation Growth Profitability Health

8

1. Profitability

1.1 Basic Checks

  • ACIW had positive earnings in the past year.
  • In the past year ACIW had a positive cash flow from operations.
  • Each year in the past 5 years ACIW has been profitable.
  • In the past 5 years ACIW always reported a positive cash flow from operatings.
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 2025 100M 200M 300M

1.2 Ratios

  • With a decent Return On Assets value of 7.30%, ACIW is doing good in the industry, outperforming 78.99% of the companies in the same industry.
  • ACIW has a better Return On Equity (14.92%) than 80.80% of its industry peers.
  • ACIW's Return On Invested Capital of 10.96% is amongst the best of the industry. ACIW outperforms 87.32% of its industry peers.
  • ACIW had an Average Return On Invested Capital over the past 3 years of 9.32%. This is in line with the industry average of 10.73%.
  • The 3 year average ROIC (9.32%) for ACIW is below the current ROIC(10.96%), indicating increased profibility in the last year.
Industry RankSector Rank
ROA 7.3%
ROE 14.92%
ROIC 10.96%
ROA(3y)5.85%
ROA(5y)5.2%
ROE(3y)12.79%
ROE(5y)12.11%
ROIC(3y)9.32%
ROIC(5y)8.4%
ACIW Yearly ROA, ROE, ROICACIW Yearly ROA, ROE, ROICYearly ROA, ROE, ROIC 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 5 10 15

1.3 Margins

  • ACIW has a Profit Margin of 12.88%. This is in the better half of the industry: ACIW outperforms 76.09% of its industry peers.
  • In the last couple of years the Profit Margin of ACIW has grown nicely.
  • ACIW has a Operating Margin of 19.28%. This is amongst the best in the industry. ACIW outperforms 87.32% of its industry peers.
  • In the last couple of years the Operating Margin of ACIW has grown nicely.
  • ACIW has a Gross Margin of 48.99%. This is in the lower half of the industry: ACIW underperforms 71.01% of its industry peers.
  • ACIW's Gross Margin has been stable in the last couple of years.
Industry RankSector Rank
OM 19.28%
PM (TTM) 12.88%
GM 48.99%
OM growth 3Y8.83%
OM growth 5Y5.09%
PM growth 3Y8.8%
PM growth 5Y18.05%
GM growth 3Y-1.36%
GM growth 5Y-1.28%
ACIW Yearly Profit, Operating, Gross MarginsACIW Yearly Profit, Operating, Gross MarginsYearly Profit, Operating, Gross Margins 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 10 20 30 40 50

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6

2. Health

2.1 Basic Checks

  • ACIW has a Return on Invested Capital (ROIC), which is below the Cost of Capital (WACC), which means it is destroying value.
  • Compared to 1 year ago, ACIW has less shares outstanding
  • The number of shares outstanding for ACIW has been reduced compared to 5 years ago.
  • Compared to 1 year ago, ACIW has an improved debt to assets ratio.
ACIW Yearly Shares OutstandingACIW Yearly Shares OutstandingYearly Shares Outstanding 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 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 2025 1B 2B 3B

2.2 Solvency

  • An Altman-Z score of 3.45 indicates that ACIW is not in any danger for bankruptcy at the moment.
  • With a decent Altman-Z score value of 3.45, ACIW is doing good in the industry, outperforming 69.20% of the companies in the same industry.
  • ACIW has a debt to FCF ratio of 2.82. This is a good value and a sign of high solvency as ACIW would need 2.82 years to pay back of all of its debts.
  • ACIW's Debt to FCF ratio of 2.82 is fine compared to the rest of the industry. ACIW outperforms 63.04% of its industry peers.
  • ACIW has a Debt/Equity ratio of 0.51. This is a neutral value indicating ACIW is somewhat dependend on debt financing.
  • The Debt to Equity ratio of ACIW (0.51) is worse than 66.30% of its industry peers.
Industry RankSector Rank
Debt/Equity 0.51
Debt/FCF 2.82
Altman-Z 3.45
ROIC/WACC1
WACC10.99%
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 2025 500M 1B 1.5B

2.3 Liquidity

  • A Current Ratio of 1.54 indicates that ACIW should not have too much problems paying its short term obligations.
  • ACIW has a Current ratio (1.54) which is comparable to the rest of the industry.
  • ACIW has a Quick Ratio of 1.54. This is a normal value and indicates that ACIW is financially healthy and should not expect problems in meeting its short term obligations.
  • With a Quick ratio value of 1.54, ACIW perfoms like the industry average, outperforming 46.38% of the companies in the same industry.
Industry RankSector Rank
Current Ratio 1.54
Quick Ratio 1.54
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 2025 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

  • The Earnings Per Share has grown by an impressive 27.60% over the past year.
  • Measured over the past years, ACIW shows a very strong growth in Earnings Per Share. The EPS has been growing by 32.50% on average per year.
  • The Revenue has grown by 10.38% in the past year. This is quite good.
  • ACIW shows a small growth in Revenue. Measured over the last years, the Revenue has been growing by 6.34% yearly.
EPS 1Y (TTM)27.6%
EPS 3Y27.94%
EPS 5Y32.5%
EPS Q2Q%-3.23%
Revenue 1Y (TTM)10.38%
Revenue growth 3Y7.37%
Revenue growth 5Y6.34%
Sales Q2Q%6.3%

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 8.97% yearly.
  • Based on estimates for the next years, ACIW will show a small growth in Revenue. The Revenue will grow by 7.22% on average per year.
EPS Next Y6.16%
EPS Next 2Y8.97%
EPS Next 3YN/A
EPS Next 5YN/A
Revenue Next Year6.92%
Revenue Next 2Y7.22%
Revenue Next 3YN/A
Revenue Next 5YN/A

3.3 Evolution

  • The EPS growth rate is decreasing: in the next years the growth will be less than in the last years.
  • The Revenue growth rate is stable: in the next years the growth will be about the same 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

6

4. Valuation

4.1 Price/Earnings Ratio

  • Based on the Price/Earnings ratio of 16.47, the valuation of ACIW can be described as correct.
  • ACIW's Price/Earnings ratio is a bit cheaper when compared to the industry. ACIW is cheaper than 78.62% of the companies in the same industry.
  • ACIW's Price/Earnings ratio indicates a valuation a bit cheaper than the S&P500 average which is at 27.07.
  • With a Price/Forward Earnings ratio of 15.51, ACIW is valued correctly.
  • Based on the Price/Forward Earnings ratio, ACIW is valued a bit cheaper than 74.64% of the companies in the same industry.
  • ACIW's Price/Forward Earnings ratio indicates a valuation a bit cheaper than the S&P500 average which is at 28.05.
Industry RankSector Rank
PE 16.47
Fwd PE 15.51
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

  • Compared to the rest of the industry, the Enterprise Value to EBITDA ratio of ACIW indicates a rather cheap valuation: ACIW is cheaper than 86.96% of the companies listed in the same industry.
  • Based on the Price/Free Cash Flow ratio, ACIW is valued cheaply inside the industry as 82.25% of the companies are valued more expensively.
Industry RankSector Rank
P/FCF 14.37
EV/EBITDA 10.8
ACIW Per share dataACIW EPS, Sales, OCF, FCF, BookValue per sharePer Share Data Per Share 5 10 15

4.3 Compensation for Growth

  • The high PEG Ratio(NY), which compensates the Price/Earnings for growth, indicates an expensive valuation of the company.
  • The excellent profitability rating of ACIW may justify a higher PE ratio.
PEG (NY)2.67
PEG (5Y)0.51
EPS Next 2Y8.97%
EPS Next 3YN/A

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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%

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Find the best dividend stocksShow peers with best dividend

ACI WORLDWIDE INC

NASDAQ:ACIW (3/2/2026, 4:10:10 PM)

After market: 40.35 0 (0%)

40.35

+0.67 (+1.69%)

Chartmill FA Rating
GICS IndustryGroupSoftware & Services
GICS IndustrySoftware
Earnings (Last)02-26
Earnings (Next)05-06
Inst Owners101.2%
Inst Owner Change-3.73%
Ins Owners0.64%
Ins Owner Change2.63%
Market Cap4.16B
Revenue(TTM)1.76B
Net Income(TTM)226.66M
Analysts84.62
Price Target63.21 (56.65%)
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)8.96%
Min EPS beat(2)7.62%
Max EPS beat(2)10.29%
EPS beat(4)4
Avg EPS beat(4)61.58%
Min EPS beat(4)7.62%
Max EPS beat(4)202.37%
EPS beat(8)8
Avg EPS beat(8)95.9%
EPS beat(12)11
Avg EPS beat(12)81.02%
EPS beat(16)11
Avg EPS beat(16)56.53%
Revenue beat(2)2
Avg Revenue beat(2)1.62%
Min Revenue beat(2)1.61%
Max Revenue beat(2)1.63%
Revenue beat(4)4
Avg Revenue beat(4)3.21%
Min Revenue beat(4)1.61%
Max Revenue beat(4)6.21%
Revenue beat(8)7
Avg Revenue beat(8)3.36%
Revenue beat(12)9
Avg Revenue beat(12)2.7%
Revenue beat(16)12
Avg Revenue beat(16)2.09%
PT rev (1m)-5.56%
PT rev (3m)-0.11%
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 16.47
Fwd PE 15.51
P/S 2.36
P/FCF 14.37
P/OCF 12.88
P/B 2.74
P/tB 65.65
EV/EBITDA 10.8
EPS(TTM)2.45
EY6.07%
EPS(NY)2.6
Fwd EY6.45%
FCF(TTM)2.81
FCFY6.96%
OCF(TTM)3.13
OCFY7.76%
SpS17.07
BVpS14.74
TBVpS0.61
PEG (NY)2.67
PEG (5Y)0.51
Graham Number28.5
Profitability
Industry RankSector Rank
ROA 7.3%
ROE 14.92%
ROCE 14.14%
ROIC 10.96%
ROICexc 11.94%
ROICexgc 35.2%
OM 19.28%
PM (TTM) 12.88%
GM 48.99%
FCFM 16.45%
ROA(3y)5.85%
ROA(5y)5.2%
ROE(3y)12.79%
ROE(5y)12.11%
ROIC(3y)9.32%
ROIC(5y)8.4%
ROICexc(3y)10.15%
ROICexc(5y)9.05%
ROICexgc(3y)30.82%
ROICexgc(5y)29.65%
ROCE(3y)12.03%
ROCE(5y)10.83%
ROICexgc growth 3Y11.11%
ROICexgc growth 5Y3.83%
ROICexc growth 3Y17.26%
ROICexc growth 5Y12.88%
OM growth 3Y8.83%
OM growth 5Y5.09%
PM growth 3Y8.8%
PM growth 5Y18.05%
GM growth 3Y-1.36%
GM growth 5Y-1.28%
F-Score7
Asset Turnover0.57
Health
Industry RankSector Rank
Debt/Equity 0.51
Debt/FCF 2.82
Debt/EBITDA 1.78
Cap/Depr 34.4%
Cap/Sales 1.9%
Interest Coverage 250
Cash Conversion 74%
Profit Quality 127.72%
Current Ratio 1.54
Quick Ratio 1.54
Altman-Z 3.45
F-Score7
WACC10.99%
ROIC/WACC1
Cap/Depr(3y)35.29%
Cap/Depr(5y)34.25%
Cap/Sales(3y)2.44%
Cap/Sales(5y)2.69%
Profit Quality(3y)129.92%
Profit Quality(5y)119.91%
High Growth Momentum
Growth
EPS 1Y (TTM)27.6%
EPS 3Y27.94%
EPS 5Y32.5%
EPS Q2Q%-3.23%
EPS Next Y6.16%
EPS Next 2Y8.97%
EPS Next 3YN/A
EPS Next 5YN/A
Revenue 1Y (TTM)10.38%
Revenue growth 3Y7.37%
Revenue growth 5Y6.34%
Sales Q2Q%6.3%
Revenue Next Year6.92%
Revenue Next 2Y7.22%
Revenue Next 3YN/A
Revenue Next 5YN/A
EBIT growth 1Y7.13%
EBIT growth 3Y16.85%
EBIT growth 5Y11.75%
EBIT Next Year56.46%
EBIT Next 3YN/A
EBIT Next 5YN/A
FCF growth 1Y-7.72%
FCF growth 3Y40.89%
FCF growth 5Y1.53%
OCF growth 1Y-10.01%
OCF growth 3Y31.06%
OCF growth 5Y0.5%

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 6 / 10 to ACI WORLDWIDE INC (ACIW). This can be considered as Fairly Valued.


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 16.47 and the Price/Book (PB) ratio is 2.74.