ACI WORLDWIDE INC (ACIW) Stock Fundamental Analysis

NASDAQ:ACIW • US0044981019

40.58 USD
+1.02 (+2.58%)
At close: Feb 17, 2026
40.58 USD
0 (0%)
After Hours: 2/17/2026, 8:00:00 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. ACIW scores decently on growth, while it is valued quite cheap. This could make an interesting combination. 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.
  • ACIW had a positive operating cash flow in the past year.
  • Each year in the past 5 years ACIW has been profitable.
  • 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's Return On Assets of 8.25% is amongst the best of the industry. ACIW outperforms 80.80% of its industry peers.
  • ACIW's Return On Equity of 17.64% is amongst the best of the industry. ACIW outperforms 84.78% of its industry peers.
  • ACIW's Return On Invested Capital of 12.15% 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 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 78.26% of its industry peers.
  • In the last couple of years the Profit Margin of ACIW has grown nicely.
  • The Operating Margin of ACIW (20.82%) is better than 86.59% of its industry peers.
  • In the last couple of years the Operating Margin of ACIW has grown nicely.
  • ACIW's Gross Margin of 49.67% is on the low side compared to the rest of the industry. ACIW is outperformed by 71.74% of its industry peers.
  • ACIW's Gross Margin has been stable in the last couple of years.
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.
  • ACIW has less shares outstanding than it did 1 year ago.
  • Compared to 5 years ago, ACIW has less shares outstanding
  • 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

  • An Altman-Z score of 3.32 indicates that ACIW is not in any danger for bankruptcy at the moment.
  • With a decent Altman-Z score value of 3.32, ACIW is doing good in the industry, outperforming 68.12% 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.
  • ACIW has a Debt to FCF ratio of 3.02. This is in the better half of the industry: ACIW outperforms 63.04% of its industry peers.
  • 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 68.12% of its industry peers.
Industry RankSector Rank
Debt/Equity 0.56
Debt/FCF 3.02
Altman-Z 3.32
ROIC/WACC1.1
WACC11.08%
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

  • A Current Ratio of 1.58 indicates that ACIW should not have too much problems paying its short term obligations.
  • ACIW has a Current ratio of 1.58. This is comparable to the rest of the industry: ACIW outperforms 47.83% of its industry peers.
  • 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.
  • The Earnings Per Share has been growing by 27.49% on average over the past years. This is a very strong growth
  • ACIW shows a small growth in Revenue. In the last year, the Revenue has grown by 7.01%.
  • 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

  • The Earnings Per Share is expected to grow by 14.85% on average over the next years. This is quite good.
  • 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

  • Although the future EPS growth is still strong, it is not able to hold up the even more excellent growth rate of 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

  • A Price/Earnings ratio of 16.36 indicates a correct valuation of ACIW.
  • Compared to the rest of the industry, the Price/Earnings ratio of ACIW indicates a somewhat cheap valuation: ACIW is cheaper than 77.90% of the companies listed in the same industry.
  • The average S&P500 Price/Earnings ratio is at 27.16. ACIW is valued slightly cheaper when compared to this.
  • With a Price/Forward Earnings ratio of 15.60, 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.
  • When comparing the Price/Forward Earnings ratio of ACIW to the average of the S&P500 Index (28.10), we can say ACIW is valued slightly cheaper.
Industry RankSector Rank
PE 16.36
Fwd PE 15.6
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

  • Based on the Enterprise Value to EBITDA ratio, ACIW is valued cheaply inside the industry as 87.32% of the companies are valued more expensively.
  • ACIW's Price/Free Cash Flow ratio is rather cheap when compared to the industry. ACIW is cheaper than 82.97% of the companies in the same industry.
Industry RankSector Rank
P/FCF 14.54
EV/EBITDA 10.56
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.
  • A more expensive valuation may be justified as ACIW's earnings are expected to grow with 14.85% in the coming years.
PEG (NY)0.66
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 (2/17/2026, 8:00:00 PM)

After market: 40.58 0 (0%)

40.58

+1.02 (+2.58%)

Chartmill FA Rating
GICS IndustryGroupSoftware & Services
GICS IndustrySoftware
Earnings (Last)11-06
Earnings (Next)02-26
Inst Owners101.2%
Inst Owner Change-3.99%
Ins Owners0.64%
Ins Owner Change2.63%
Market Cap4.18B
Revenue(TTM)1.73B
Net Income(TTM)260.88M
Analysts84.62
Price Target63.72 (57.02%)
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)0.72%
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 RankSector Rank
PE 16.36
Fwd PE 15.6
P/S 2.42
P/FCF 14.54
P/OCF 12.77
P/B 2.83
P/tB 188.03
EV/EBITDA 10.56
EPS(TTM)2.48
EY6.11%
EPS(NY)2.6
Fwd EY6.41%
FCF(TTM)2.79
FCFY6.88%
OCF(TTM)3.18
OCFY7.83%
SpS16.79
BVpS14.35
TBVpS0.22
PEG (NY)0.66
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 3.32
F-Score8
WACC11.08%
ROIC/WACC1.1
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 16.36 and the Price/Book (PB) ratio is 2.83.