ACI WORLDWIDE INC (ACIW) Stock Fundamental Analysis

NASDAQ:ACIW • US0044981019

40.88 USD
+0.13 (+0.32%)
At close: Feb 20, 2026
40.88 USD
0 (0%)
After Hours: 2/20/2026, 8:15:47 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 belongs to the best of the industry regarding profitability, there are some minor concerns on its financial health. A decent growth rate in combination with a cheap valuation! Better keep an eye on ACIW. These ratings would make ACIW suitable for value investing!


Dividend Valuation Growth Profitability Health

8

1. Profitability

1.1 Basic Checks

  • In the past year ACIW was profitable.
  • ACIW had a positive operating cash flow in the past year.
  • ACIW had positive earnings in each of the past 5 years.
  • ACIW had a positive operating cash flow in each of the past 5 years.
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 has a better Return On Assets (8.25%) than 80.29% of its industry peers.
  • ACIW has a Return On Equity of 17.64%. This is amongst the best in the industry. ACIW outperforms 84.67% of its industry peers.
  • ACIW has a better Return On Invested Capital (12.15%) than 86.86% of its industry peers.
  • ACIW had an Average Return On Invested Capital over the past 3 years of 8.48%. This is below the industry average of 10.64%.
  • 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 78.10% of its industry peers.
  • ACIW's Profit Margin has improved in the last couple of years.
  • The Operating Margin of ACIW (20.82%) is better than 86.86% of its industry peers.
  • ACIW's Operating Margin has improved in the last couple of years.
  • The Gross Margin of ACIW (49.67%) is worse than 71.90% of its industry peers.
  • 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

  • With a Return on Invested Capital (ROIC) just above the Cost of Capital (WACC), ACIW is creating some 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 a worse debt to assets ratio.
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 3.37. This indicates that ACIW is financially healthy and has little risk of bankruptcy at the moment.
  • Looking at the Altman-Z score, with a value of 3.37, ACIW is in the better half of the industry, outperforming 68.98% of the companies in the same industry.
  • 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 3.37
ROIC/WACC1.09
WACC11.1%
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.
  • With a Current ratio value of 1.58, ACIW perfoms like the industry average, outperforming 48.18% of the companies in the same industry.
  • ACIW has a Quick 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.
  • ACIW has a Quick ratio (1.58) which 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

More info and screens

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 nice 17.54% over the past year.
  • ACIW shows a strong growth in Earnings Per Share. Measured over the last years, the EPS has been growing by 27.49% yearly.
  • The Revenue has been growing slightly by 7.01% in the past year.
  • The Revenue has been growing slightly by 4.85% on average over the past years.
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

  • Based on estimates for the next years, ACIW will show a quite strong growth in Earnings Per Share. The EPS will grow by 14.85% on average per year.
  • The Revenue is expected to grow by 7.95% on average over the next years.
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.
  • When comparing the Revenue growth rate of the last years to the growth rate of the upcoming years, we see that the growth is accelerating.
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

  • The Price/Earnings ratio is 16.48, which indicates a correct valuation of ACIW.
  • ACIW's Price/Earnings ratio is a bit cheaper when compared to the industry. ACIW is cheaper than 77.37% of the companies in the same industry.
  • When comparing the Price/Earnings ratio of ACIW to the average of the S&P500 Index (26.99), we can say ACIW is valued slightly cheaper.
  • With a Price/Forward Earnings ratio of 15.72, ACIW is valued correctly.
  • Based on the Price/Forward Earnings ratio, ACIW is valued a bit cheaper than the industry average as 72.99% of the companies are valued more expensively.
  • When comparing the Price/Forward Earnings ratio of ACIW to the average of the S&P500 Index (28.06), we can say ACIW is valued slightly cheaper.
Industry RankSector Rank
PE 16.48
Fwd PE 15.72
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 85.40% of the companies listed in the same industry.
  • Based on the Price/Free Cash Flow ratio, ACIW is valued cheaply inside the industry as 81.39% of the companies are valued more expensively.
Industry RankSector Rank
P/FCF 14.65
EV/EBITDA 10.86
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.
  • ACIW has an outstanding profitability rating, which may justify a higher PE ratio.
  • A more expensive valuation may be justified as ACIW's earnings are expected to grow with 14.85% in the coming years.
PEG (NY)0.67
PEG (5Y)0.6
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

  • ACIW does not give a dividend.
Industry RankSector Rank
Dividend Yield 0%

More info and screens

Find the best dividend stocksShow peers with best dividend

ACI WORLDWIDE INC

NASDAQ:ACIW (2/20/2026, 8:15:47 PM)

After market: 40.88 0 (0%)

40.88

+0.13 (+0.32%)

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 Cap4.21B
Revenue(TTM)1.73B
Net Income(TTM)260.88M
Analysts84.62
Price Target63.72 (55.87%)
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 16.48
Fwd PE 15.72
P/S 2.43
P/FCF 14.65
P/OCF 12.87
P/B 2.85
P/tB 189.43
EV/EBITDA 10.86
EPS(TTM)2.48
EY6.07%
EPS(NY)2.6
Fwd EY6.36%
FCF(TTM)2.79
FCFY6.83%
OCF(TTM)3.18
OCFY7.77%
SpS16.79
BVpS14.35
TBVpS0.22
PEG (NY)0.67
PEG (5Y)0.6
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 3.37
F-Score8
WACC11.1%
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 16.48 and the Price/Book (PB) ratio is 2.85.