ACI WORLDWIDE INC (ACIW) Fundamental Analysis & Valuation

NASDAQ:ACIW • US0044981019

Current stock price

39.63 USD
-0.14 (-0.35%)
Last:

This ACIW fundamental analysis includes valuation metrics, fair value assessment, financial health analysis, profitability trends, growth metrics and dividend sustainability analysis.

8

1. ACIW Profitability Analysis

1.1 Basic Checks

  • In the past year ACIW was profitable.
  • ACIW had a positive operating cash flow in the past year.
  • 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

  • ACIW's Return On Assets of 7.30% is amongst the best of the industry. ACIW outperforms 80.14% of its industry peers.
  • Looking at the Return On Equity, with a value of 14.92%, ACIW belongs to the top of the industry, outperforming 81.59% of the companies in the same industry.
  • With an excellent Return On Invested Capital value of 11.03%, ACIW belongs to the best of the industry, outperforming 87.73% of the companies in the same industry.
  • ACIW had an Average Return On Invested Capital over the past 3 years of 9.42%. This is in line with the industry average of 10.91%.
  • The 3 year average ROIC (9.42%) for ACIW is below the current ROIC(11.03%), indicating increased profibility in the last year.
Industry RankSector Rank
ROA 7.3%
ROE 14.92%
ROIC 11.03%
ROA(3y)5.85%
ROA(5y)5.2%
ROE(3y)12.79%
ROE(5y)12.11%
ROIC(3y)9.42%
ROIC(5y)8.46%
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

  • With a decent Profit Margin value of 12.88%, ACIW is doing good in the industry, outperforming 76.90% of the companies in the same industry.
  • In the last couple of years the Profit Margin of ACIW has grown nicely.
  • Looking at the Operating Margin, with a value of 19.40%, ACIW belongs to the top of the industry, outperforming 87.36% of the companies in the same industry.
  • ACIW's Operating Margin has improved in the last couple of years.
  • ACIW's Gross Margin of 48.99% is on the low side compared to the rest of the industry. ACIW is outperformed by 70.04% 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 19.4%
PM (TTM) 12.88%
GM 48.99%
OM growth 3Y9.8%
OM growth 5Y5.65%
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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ROAROEROICOperating and Profit MarginShow most profitable peers

6

2. ACIW Health Analysis

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.
  • Compared to 1 year ago, ACIW has less shares outstanding
  • Compared to 5 years ago, ACIW has less shares outstanding
  • 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 3.43 indicates that ACIW is not in any danger for bankruptcy at the moment.
  • Looking at the Altman-Z score, with a value of 3.43, ACIW is in the better half of the industry, outperforming 69.68% of the companies in the same industry.
  • The Debt to FCF ratio of ACIW is 2.82, which is a good value as it means it would take ACIW, 2.82 years of fcf income to pay off all of its debts.
  • ACIW has a better Debt to FCF ratio (2.82) than 63.54% 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 65.70% of its industry peers.
Industry RankSector Rank
Debt/Equity 0.51
Debt/FCF 2.82
Altman-Z 3.43
ROIC/WACC1.02
WACC10.81%
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

  • ACIW has a Current 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.
  • 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.
  • ACIW's Quick ratio of 1.54 is in line compared to the rest of the industry. ACIW outperforms 46.93% of its industry peers.
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

6

3. ACIW Growth Analysis

3.1 Past

  • ACIW shows a strong growth in Earnings Per Share. In the last year, the EPS has been growing by 13.02%, which is quite good.
  • The Earnings Per Share has been growing by 29.32% on average over the past years. This is a very strong growth
  • ACIW shows quite a strong growth in Revenue. In the last year, the Revenue has grown by 10.38%.
  • The Revenue has been growing slightly by 6.34% on average over the past years.
EPS 1Y (TTM)13.02%
EPS 3Y22.86%
EPS 5Y29.32%
EPS Q2Q%-33.33%
Revenue 1Y (TTM)10.38%
Revenue growth 3Y7.37%
Revenue growth 5Y6.34%
Sales Q2Q%6.3%

3.2 Future

  • The Earnings Per Share is expected to grow by 19.47% on average over the next years. This is quite good.
  • Based on estimates for the next years, ACIW will show a small growth in Revenue. The Revenue will grow by 7.87% on average per year.
EPS Next Y26.29%
EPS Next 2Y19.47%
EPS Next 3YN/A
EPS Next 5YN/A
Revenue Next Year8.1%
Revenue Next 2Y7.87%
Revenue Next 3YN/A
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 1 2 3

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Find the best growth stocksShow best growing peers

7

4. ACIW Valuation Analysis

4.1 Price/Earnings Ratio

  • With a Price/Earnings ratio of 18.26, ACIW is valued on the expensive side.
  • Based on the Price/Earnings ratio, ACIW is valued a bit cheaper than 74.01% of the companies in the same industry.
  • Compared to an average S&P500 Price/Earnings ratio of 25.71, ACIW is valued a bit cheaper.
  • The Price/Forward Earnings ratio is 14.46, which indicates a correct valuation of ACIW.
  • Compared to the rest of the industry, the Price/Forward Earnings ratio of ACIW indicates a somewhat cheap valuation: ACIW is cheaper than 76.17% of the companies listed in the same industry.
  • Compared to an average S&P500 Price/Forward Earnings ratio of 23.83, ACIW is valued a bit cheaper.
Industry RankSector Rank
PE 18.26
Fwd PE 14.46
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

  • 86.64% of the companies in the same industry are more expensive than ACIW, based on the Enterprise Value to EBITDA ratio.
  • Based on the Price/Free Cash Flow ratio, ACIW is valued cheaply inside the industry as 82.31% of the companies are valued more expensively.
Industry RankSector Rank
P/FCF 13.93
EV/EBITDA 10.65
ACIW Per share dataACIW EPS, Sales, OCF, FCF, BookValue per sharePer Share Data Per Share 5 10 15

4.3 Compensation for Growth

  • The 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 19.47% in the coming years.
PEG (NY)0.69
PEG (5Y)0.62
EPS Next 2Y19.47%
EPS Next 3YN/A

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

0

5. ACIW Dividend Analysis

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

ACIW Fundamentals: All Metrics, Ratios and Statistics

ACI WORLDWIDE INC

NASDAQ:ACIW (3/16/2026, 1:21:10 PM)

39.63

-0.14 (-0.35%)

Chartmill FA Rating
GICS IndustryGroupSoftware & Services
GICS IndustrySoftware
Earnings (Last)02-26
Earnings (Next)05-06
Inst Owners102.56%
Inst Owner Change-3.56%
Ins Owners0.49%
Ins Owner Change5.48%
Market Cap4.03B
Revenue(TTM)1.76B
Net Income(TTM)226.66M
Analysts84.62
Price Target63.21 (59.5%)
Short Float %3.7%
Short Ratio4.34
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)1
Avg EPS beat(2)-8.2%
Min EPS beat(2)-24.02%
Max EPS beat(2)7.62%
EPS beat(4)3
Avg EPS beat(4)53.01%
Min EPS beat(4)-24.02%
Max EPS beat(4)202.37%
EPS beat(8)7
Avg EPS beat(8)91.61%
EPS beat(12)10
Avg EPS beat(12)78.16%
EPS beat(16)10
Avg EPS beat(16)54.39%
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)-0.79%
PT rev (3m)-0.11%
EPS NQ rev (1m)23.85%
EPS NQ rev (3m)21.97%
EPS NY rev (1m)5.36%
EPS NY rev (3m)4.88%
Revenue NQ rev (1m)3.62%
Revenue NQ rev (3m)1.73%
Revenue NY rev (1m)1.1%
Revenue NY rev (3m)6.66%
Valuation
Industry RankSector Rank
PE 18.26
Fwd PE 14.46
P/S 2.29
P/FCF 13.93
P/OCF 12.49
P/B 2.65
P/tB 63.62
EV/EBITDA 10.65
EPS(TTM)2.17
EY5.48%
EPS(NY)2.74
Fwd EY6.91%
FCF(TTM)2.85
FCFY7.18%
OCF(TTM)3.17
OCFY8.01%
SpS17.3
BVpS14.93
TBVpS0.62
PEG (NY)0.69
PEG (5Y)0.62
Graham Number27
Profitability
Industry RankSector Rank
ROA 7.3%
ROE 14.92%
ROCE 14.23%
ROIC 11.03%
ROICexc 12.01%
ROICexgc 35.42%
OM 19.4%
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)9.42%
ROIC(5y)8.46%
ROICexc(3y)10.25%
ROICexc(5y)9.11%
ROICexgc(3y)31.13%
ROICexgc(5y)29.84%
ROCE(3y)12.15%
ROCE(5y)10.91%
ROICexgc growth 3Y12.1%
ROICexgc growth 5Y4.38%
ROICexc growth 3Y18.3%
ROICexc growth 5Y13.48%
OM growth 3Y9.8%
OM growth 5Y5.65%
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 1.77
Cap/Depr 34.4%
Cap/Sales 1.9%
Interest Coverage 5.33
Cash Conversion 73.64%
Profit Quality 127.72%
Current Ratio 1.54
Quick Ratio 1.54
Altman-Z 3.43
F-Score7
WACC10.81%
ROIC/WACC1.02
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)13.02%
EPS 3Y22.86%
EPS 5Y29.32%
EPS Q2Q%-33.33%
EPS Next Y26.29%
EPS Next 2Y19.47%
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 Year8.1%
Revenue Next 2Y7.87%
Revenue Next 3YN/A
Revenue Next 5YN/A
EBIT growth 1Y7.79%
EBIT growth 3Y17.89%
EBIT growth 5Y12.35%
EBIT Next Year56.64%
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 Fundamental Analysis 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 18.26 and the Price/Book (PB) ratio is 2.65.