ACI WORLDWIDE INC (ACIW) Stock Fundamental Analysis
NASDAQ:ACIW • US0044981019
39.68 USD
-0.12 (-0.3%)
At close: Feb 27, 2026
39.68 USD
0 (0%)
After Hours: 2/27/2026, 8:00:00 PM
Taking everything into account, ACIW scores 5 out of 10 in our fundamental rating. ACIW was compared to 276 industry peers in the Software industry. ACIW has an excellent profitability rating, but there are some minor concerns on its financial health. ACIW has a decent growth rate and is not valued too expensively.
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.
- ACIW had positive earnings in 4 of the past 5 years.
- Of the past 5 years ACIW 4 years had a positive operating cash flow.
1.2 Ratios
- ACIW's Return On Assets of 8.25% is amongst the best of the industry. ACIW outperforms 82.61% of its industry peers.
- With an excellent Return On Equity value of 17.64%, ACIW belongs to the best of the industry, outperforming 84.42% of the companies in the same industry.
- ACIW's Return On Invested Capital of 12.15% is amongst the best of the industry. ACIW outperforms 88.41% 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 10.73%.
- The 3 year average ROIC (8.48%) for ACIW is below the current ROIC(12.15%), indicating increased profibility in the last year.
| Industry Rank | Sector 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%
1.3 Margins
- ACIW has a better Profit Margin (15.07%) than 80.43% of its industry peers.
- In the last couple of years the Profit Margin of ACIW has grown nicely.
- ACIW's Operating Margin of 20.82% is amongst the best of the industry. ACIW outperforms 88.77% of its industry peers.
- In the last couple of years the Operating Margin of ACIW has grown nicely.
- ACIW has a worse Gross Margin (49.67%) than 71.01% 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 Rank | Sector 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%
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.
- ACIW has no outstanding debt. Therefor its Debt/Equity and Debt/FCF ratios are 0 and belong to the best of the industry.
2.2 Solvency
- ACIW has an Altman-Z score of 3.32. This indicates that ACIW is financially healthy and has little risk of bankruptcy at the moment.
- ACIW's Altman-Z score of 3.32 is fine compared to the rest of the industry. ACIW outperforms 68.84% of its industry peers.
- The Debt to FCF ratio of ACIW is 3.02, which is a good value as it means it would take ACIW, 3.02 years of fcf income to pay off all of its debts.
- ACIW's Debt to FCF ratio of 3.02 is fine compared to the rest of the industry. ACIW outperforms 62.68% of its industry peers.
- ACIW has a Debt/Equity ratio of 0.56. This is a neutral value indicating 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: 67.03% of the companies in the same industry are doing better.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.56 | ||
| Debt/FCF | 3.02 | ||
| Altman-Z | 3.32 |
ROIC/WACC1.1
WACC11.02%
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.
- ACIW has a Current ratio (1.58) which is in line with its industry peers.
- A Quick Ratio of 1.58 indicates that ACIW should not have too much problems paying its short term obligations.
- ACIW has a Quick ratio (1.58) which is in line with 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 impressive 27.60% over the past year.
- The Earnings Per Share has been growing by 32.50% on average over the past years. This is a very strong growth
EPS 1Y (TTM)27.6%
EPS 3Y27.94%
EPS 5Y32.5%
EPS Q2Q%-3.23%
Revenue 1Y (TTM)N/A
Revenue growth 3YN/A
Revenue growth 5YN/A
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
- When comparing the EPS growth rate of the last years to the growth rate of the upcoming years, we see that the growth is decreasing.
4. Valuation
4.1 Price/Earnings Ratio
- Based on the Price/Earnings ratio of 16.20, the valuation of ACIW can be described as correct.
- Based on the Price/Earnings ratio, ACIW is valued a bit cheaper than the industry average as 78.62% of the companies are valued more expensively.
- ACIW is valuated rather cheaply when we compare the Price/Earnings ratio to 27.07, which is the current average of the S&P500 Index.
- With a Price/Forward Earnings ratio of 15.26, ACIW is valued correctly.
- Compared to the rest of the industry, the Price/Forward Earnings ratio of ACIW indicates a somewhat cheap valuation: ACIW is cheaper than 74.64% of the companies listed in the same industry.
- Compared to an average S&P500 Price/Forward Earnings ratio of 28.05, ACIW is valued a bit cheaper.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 16.2 | ||
| Fwd PE | 15.26 |
4.2 Price Multiples
- Based on the Enterprise Value to EBITDA ratio, ACIW is valued cheaply inside the industry as 87.68% 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 82.25% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 14.22 | ||
| EV/EBITDA | 10.59 |
4.3 Compensation for Growth
- The high PEG Ratio(NY), which compensates the Price/Earnings for growth, indicates ACIW does not grow enough to justify the current Price/Earnings ratio.
- ACIW has a very decent profitability rating, which may justify a higher PE ratio.
PEG (NY)2.63
PEG (5Y)0.5
EPS Next 2Y8.97%
EPS Next 3YN/A
5. Dividend
5.1 Amount
- No dividends for ACIW!.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 0% |
39.68
-0.12 (-0.3%)
Chartmill FA Rating
GICS SectorInformation Technology
GICS IndustryGroupSoftware & Services
GICS IndustrySoftware
Earnings (Last)02-26 2026-02-26/bmo
Earnings (Next)05-06 2026-05-06
Inst Owners101.2%
Inst Owner Change-3.73%
Ins Owners0.64%
Ins Owner Change2.63%
Market Cap4.09B
Revenue(TTM)N/A
Net Income(TTM)260.88M
Analysts84.62
Price Target63.21 (59.3%)
Short Float %3.98%
Short Ratio5.36
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)-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 Rank | Sector Rank | ||
|---|---|---|---|
| PE | 16.2 | ||
| Fwd PE | 15.26 | ||
| P/S | 2.36 | ||
| P/FCF | 14.22 | ||
| P/OCF | 12.49 | ||
| P/B | 2.77 | ||
| P/tB | 183.86 | ||
| EV/EBITDA | 10.59 |
EPS(TTM)2.45
EY6.17%
EPS(NY)2.6
Fwd EY6.55%
FCF(TTM)2.79
FCFY7.03%
OCF(TTM)3.18
OCFY8.01%
SpS16.79
BVpS14.35
TBVpS0.22
PEG (NY)2.63
PEG (5Y)0.5
Graham Number28.12
Profitability
| Industry Rank | Sector 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 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 | 72.87% | ||
| Profit Quality | 110.3% | ||
| Current Ratio | 1.58 | ||
| Quick Ratio | 1.58 | ||
| Altman-Z | 3.32 |
F-Score8
WACC11.02%
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)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)N/A
Revenue growth 3YN/A
Revenue growth 5YN/A
Sales Q2Q%6.3%
Revenue Next Year6.92%
Revenue Next 2Y7.22%
Revenue Next 3YN/A
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 5 / 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 7 / 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 16.2 and the Price/Book (PB) ratio is 2.77.