41.83 USD
-0.45 (-1.06%)
At close: Feb 9, 2026
41.9 USD
+0.07 (+0.17%)
Pre-Market: 2/10/2026, 4:35:23 AM
ACIW gets a fundamental rating of 6 out of 10. The analysis compared the fundamentals against 277 industry peers in the Software industry. While ACIW has a great profitability rating, there are some minor concerns on its financial health. ACIW scores decently on growth, while it is valued quite cheap. This could make an interesting combination. This makes ACIW very considerable for value investing!
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.
- 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.
1.2 Ratios
- With an excellent Return On Assets value of 8.25%, ACIW belongs to the best of the industry, outperforming 80.87% of the companies in the same industry.
- ACIW has a Return On Equity of 17.64%. This is amongst the best in the industry. ACIW outperforms 84.84% of its industry peers.
- ACIW's Return On Invested Capital of 12.16% is amongst the best of the industry. ACIW outperforms 87.73% of its industry peers.
- Measured over the past 3 years, the Average Return On Invested Capital for ACIW is below the industry average of 10.91%.
- The 3 year average ROIC (8.48%) for ACIW is below the current ROIC(12.16%), indicating increased profibility in the last year.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 8.25% | ||
| ROE | 17.64% | ||
| ROIC | 12.16% |
ROA(3y)4.89%
ROA(5y)4.17%
ROE(3y)11.78%
ROE(5y)10.33%
ROIC(3y)8.48%
ROIC(5y)7.85%
1.3 Margins
- ACIW's Profit Margin of 15.07% is fine compared to the rest of the industry. ACIW outperforms 78.70% of its industry peers.
- In the last couple of years the Profit Margin of ACIW has grown nicely.
- With an excellent Operating Margin value of 20.83%, ACIW belongs to the best of the industry, outperforming 87.00% of the companies in the same industry.
- In the last couple of years the Operating Margin of ACIW has grown nicely.
- ACIW has a worse Gross Margin (49.67%) than 71.12% of its industry peers.
- ACIW's Gross Margin has been stable in the last couple of years.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| OM | 20.83% | ||
| 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%
2. Health
2.1 Basic Checks
- ACIW has a Return on Invested Capital (ROIC), which is just above the Cost of Capital (WACC), which means it is creating some value.
- The number of shares outstanding for ACIW has been reduced compared to 1 year ago.
- ACIW has less shares outstanding than it did 5 years ago.
- The debt/assets ratio for ACIW is higher compared to a year ago.
2.2 Solvency
- An Altman-Z score of 3.40 indicates that ACIW is not in any danger for bankruptcy at the moment.
- The Altman-Z score of ACIW (3.40) is better than 68.95% 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.
- With a decent Debt to FCF ratio value of 3.02, ACIW is doing good in the industry, outperforming 63.54% of the companies in the same industry.
- A Debt/Equity ratio of 0.56 indicates that ACIW is somewhat dependend on debt financing.
- The Debt to Equity ratio of ACIW (0.56) is worse than 67.51% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.56 | ||
| Debt/FCF | 3.02 | ||
| Altman-Z | 3.4 |
ROIC/WACC1.08
WACC11.24%
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 47.65% 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's Quick ratio of 1.58 is in line compared to the rest of the industry. ACIW outperforms 48.38% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | 1.58 | ||
| Quick Ratio | 1.58 |
3. Growth
3.1 Past
- The Earnings Per Share has grown by an nice 17.54% over the past year.
- The Earnings Per Share has been growing by 27.49% on average over the past years. This is a very strong growth
- The Revenue has been growing slightly by 7.01% in the past year.
- Measured over the past years, ACIW shows a small growth in Revenue. The Revenue has been growing by 4.85% on average per year.
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.
4. Valuation
4.1 Price/Earnings Ratio
- Based on the Price/Earnings ratio of 16.87, the valuation of ACIW can be described as correct.
- Based on the Price/Earnings ratio, ACIW is valued a bit cheaper than 76.53% of the companies in the same industry.
- The average S&P500 Price/Earnings ratio is at 28.06. ACIW is valued slightly cheaper when compared to this.
- With a Price/Forward Earnings ratio of 16.08, ACIW is valued correctly.
- 76.53% of the companies in the same industry are more expensive than ACIW, based on the Price/Forward Earnings ratio.
- ACIW is valuated rather cheaply when we compare the Price/Forward Earnings ratio to 27.86, which is the current average of the S&P500 Index.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 16.87 | ||
| Fwd PE | 16.08 |
4.2 Price Multiples
- 85.92% of the companies in the same industry are more expensive than ACIW, based on the Enterprise Value to EBITDA ratio.
- ACIW's Price/Free Cash Flow ratio is rather cheap when compared to the industry. ACIW is cheaper than 82.31% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 14.99 | ||
| EV/EBITDA | 11.07 |
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)0.68
PEG (5Y)0.61
EPS Next 2Y16.39%
EPS Next 3Y14.85%
5. Dividend
5.1 Amount
- ACIW does not give a dividend.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 0% |
41.83
-0.45 (-1.06%)
Chartmill FA Rating
GICS SectorInformation Technology
GICS IndustryGroupSoftware & Services
GICS IndustrySoftware
Earnings (Last)11-06 2025-11-06/bmo
Earnings (Next)02-26 2026-02-26/amc
Inst Owners101.2%
Inst Owner Change-0.05%
Ins Owners0.64%
Ins Owner Change2.6%
Market Cap4.31B
Revenue(TTM)1.73B
Net Income(TTM)260.88M
Analysts84.62
Price Target63.72 (52.33%)
Short Float %3.86%
Short Ratio5.67
Dividend
| Industry Rank | Sector 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)0.72%
EPS NQ rev (1m)-1.44%
EPS NQ rev (3m)-3.81%
EPS NY rev (1m)-0.21%
EPS NY rev (3m)1.88%
Revenue NQ rev (1m)-0.23%
Revenue NQ rev (3m)-0.23%
Revenue NY rev (1m)0.06%
Revenue NY rev (3m)0.85%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 16.87 | ||
| Fwd PE | 16.08 | ||
| P/S | 2.49 | ||
| P/FCF | 14.99 | ||
| P/OCF | 13.17 | ||
| P/B | 2.92 | ||
| P/tB | 193.83 | ||
| EV/EBITDA | 11.07 |
EPS(TTM)2.48
EY5.93%
EPS(NY)2.6
Fwd EY6.22%
FCF(TTM)2.79
FCFY6.67%
OCF(TTM)3.18
OCFY7.6%
SpS16.79
BVpS14.35
TBVpS0.22
PEG (NY)0.68
PEG (5Y)0.61
Graham Number28.3
Profitability
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 8.25% | ||
| ROE | 17.64% | ||
| ROCE | 14.88% | ||
| ROIC | 12.16% | ||
| ROICexc | 13.25% | ||
| ROICexgc | 38.39% | ||
| OM | 20.83% | ||
| 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 Rank | Sector 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 | 72.82% | ||
| Profit Quality | 110.3% | ||
| Current Ratio | 1.58 | ||
| Quick Ratio | 1.58 | ||
| Altman-Z | 3.4 |
F-Score8
WACC11.24%
ROIC/WACC1.08
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 1Y0.42%
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 16.87 and the Price/Book (PB) ratio is 2.92.