ACI WORLDWIDE INC (ACIW) Fundamental Analysis & Valuation
NASDAQ:ACIW • US0044981019
42.53 USD
-0.33 (-0.77%)
Last: Mar 6, 2026, 03:54 PM
This ACIW fundamental analysis includes valuation metrics, fair value assessment, financial health analysis, profitability trends, growth metrics and dividend sustainability analysis.
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 is valued quite cheap, while showing a decent growth score. This is a good combination! This makes ACIW very considerable for value investing!
1. ACIW Profitability Analysis
1.1 Basic Checks
- ACIW had positive earnings in the past year.
- In the past year ACIW had a positive cash flow from operations.
- ACIW had positive earnings in each of the past 5 years.
- In the past 5 years ACIW always reported a positive cash flow from operatings.
1.2 Ratios
- Looking at the Return On Assets, with a value of 7.30%, ACIW is in the better half of the industry, outperforming 78.99% of the companies in the same industry.
- The Return On Equity of ACIW (14.92%) is better than 80.80% of its industry peers.
- Looking at the Return On Invested Capital, with a value of 11.03%, ACIW belongs to the top of the industry, outperforming 87.32% of the companies in the same industry.
- The Average Return On Invested Capital over the past 3 years for ACIW is in line with the industry average of 10.72%.
- The 3 year average ROIC (9.42%) for ACIW is below the current ROIC(11.03%), indicating increased profibility in the last year.
| Industry Rank | Sector 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%
1.3 Margins
- ACIW has a Profit Margin of 12.88%. This is in the better half of the industry: ACIW outperforms 76.45% of its industry peers.
- ACIW's Profit Margin has improved in the last couple of years.
- Looking at the Operating Margin, with a value of 19.40%, ACIW belongs to the top of the industry, outperforming 87.32% of the companies in the same industry.
- ACIW's Operating Margin has improved in the last couple of years.
- ACIW has a worse Gross Margin (48.99%) than 71.01% of its industry peers.
- ACIW's Gross Margin has been stable in the last couple of years.
| Industry Rank | Sector 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%
2. ACIW Health Analysis
2.1 Basic Checks
- With a Return on Invested Capital (ROIC) below the Cost of Capital (WACC), ACIW is destroying value.
- The number of shares outstanding for ACIW has been reduced compared to 1 year ago.
- Compared to 5 years ago, ACIW has less shares outstanding
- Compared to 1 year ago, ACIW has an improved debt to assets ratio.
2.2 Solvency
- ACIW has an Altman-Z score of 3.55. This indicates that ACIW is financially healthy and has little risk of bankruptcy at the moment.
- ACIW has a better Altman-Z score (3.55) than 68.12% of its industry peers.
- ACIW has a debt to FCF ratio of 2.82. This is a good value and a sign of high solvency as ACIW would need 2.82 years to pay back of all of its debts.
- The Debt to FCF ratio of ACIW (2.82) is better than 63.41% 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.
- ACIW has a worse Debt to Equity ratio (0.51) than 66.30% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.51 | ||
| Debt/FCF | 2.82 | ||
| Altman-Z | 3.55 |
ROIC/WACC1
WACC11.06%
2.3 Liquidity
- A Current Ratio of 1.54 indicates that ACIW should not have too much problems paying its short term obligations.
- Looking at the Current ratio, with a value of 1.54, ACIW is in line with its industry, outperforming 46.01% of the companies in the same 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 47.10% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | 1.54 | ||
| Quick Ratio | 1.54 |
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.
- Measured over the past years, ACIW shows a very strong growth in Earnings Per Share. The EPS has been growing by 29.32% on average per year.
- ACIW shows quite a strong growth in Revenue. In the last year, the Revenue has grown by 10.38%.
- Measured over the past years, ACIW shows a small growth in Revenue. The Revenue has been growing by 6.34% on average per year.
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
- ACIW is expected to show quite a strong growth in Earnings Per Share. In the coming years, the EPS will grow by 19.47% yearly.
- 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.
4. ACIW Valuation Analysis
4.1 Price/Earnings Ratio
- A Price/Earnings ratio of 19.60 indicates a rather expensive valuation of ACIW.
- Based on the Price/Earnings ratio, ACIW is valued a bit cheaper than the industry average as 73.55% of the companies are valued more expensively.
- ACIW is valuated rather cheaply when we compare the Price/Earnings ratio to 26.69, which is the current average of the S&P500 Index.
- Based on the Price/Forward Earnings ratio of 15.52, the valuation of ACIW can be described as correct.
- ACIW's Price/Forward Earnings ratio is a bit cheaper when compared to the industry. ACIW is cheaper than 75.00% of the companies in the same industry.
- ACIW is valuated rather cheaply when we compare the Price/Forward Earnings ratio to 24.79, which is the current average of the S&P500 Index.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 19.6 | ||
| Fwd PE | 15.52 |
4.2 Price Multiples
- Based on the Enterprise Value to EBITDA ratio, ACIW is valued cheaper than 86.23% of the companies in the same industry.
- Compared to the rest of the industry, the Price/Free Cash Flow ratio of ACIW indicates a rather cheap valuation: ACIW is cheaper than 81.88% of the companies listed in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 14.94 | ||
| EV/EBITDA | 11.36 |
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)0.75
PEG (5Y)0.67
EPS Next 2Y19.47%
EPS Next 3YN/A
5. ACIW Dividend Analysis
5.1 Amount
- No dividends for ACIW!.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 0% |
ACIW Fundamentals: All Metrics, Ratios and Statistics
NASDAQ:ACIW (3/6/2026, 3:54:06 PM)
42.53
-0.33 (-0.77%)
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 Cap4.33B
Revenue(TTM)1.76B
Net Income(TTM)226.66M
Analysts84.62
Price Target63.21 (48.62%)
Short Float %3.54%
Short Ratio4.29
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)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)-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 | 19.6 | ||
| Fwd PE | 15.52 | ||
| P/S | 2.46 | ||
| P/FCF | 14.94 | ||
| P/OCF | 13.4 | ||
| P/B | 2.85 | ||
| P/tB | 68.27 | ||
| EV/EBITDA | 11.36 |
EPS(TTM)2.17
EY5.1%
EPS(NY)2.74
Fwd EY6.44%
FCF(TTM)2.85
FCFY6.69%
OCF(TTM)3.17
OCFY7.46%
SpS17.3
BVpS14.93
TBVpS0.62
PEG (NY)0.75
PEG (5Y)0.67
Graham Number27
Profitability
| Industry Rank | Sector 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 Rank | Sector 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 | 3.55 |
F-Score7
WACC11.06%
ROIC/WACC1
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 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 19.6 and the Price/Book (PB) ratio is 2.85.