43.45 USD
+0.09 (+0.21%)
At close: Feb 2, 2026
43.45 USD
0 (0%)
After Hours: 2/2/2026, 8:00:00 PM
Overall ACIW gets a fundamental rating of 6 out of 10. We evaluated ACIW against 278 industry peers in the Software industry. While ACIW has a great profitability rating, 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! These ratings would make ACIW suitable for value investing!
1. Profitability
1.1 Basic Checks
- ACIW had positive earnings in the past year.
- In the past year ACIW had a positive cash flow from operations.
- In the past 5 years ACIW has always been profitable.
- Each year in the past 5 years ACIW had a positive operating cash flow.
1.2 Ratios
- With an excellent Return On Assets value of 8.25%, ACIW belongs to the best of the industry, outperforming 80.94% of the companies in the same industry.
- ACIW's Return On Equity of 17.64% is amongst the best of the industry. ACIW outperforms 85.61% of its industry peers.
- ACIW has a better Return On Invested Capital (12.16%) than 88.13% of its industry peers.
- Measured over the past 3 years, the Average Return On Invested Capital for ACIW is below the industry average of 10.76%.
- The last Return On Invested Capital (12.16%) for ACIW is above the 3 year average (8.48%), which is a sign of increasing profitability.
| 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
- With a decent Profit Margin value of 15.07%, ACIW is doing good in the industry, outperforming 78.06% of the companies in the same industry.
- In the last couple of years the Profit Margin of ACIW has grown nicely.
- ACIW's Operating Margin of 20.83% is amongst the best of the industry. ACIW outperforms 87.05% 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 70.86% 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.
- Compared to 5 years ago, ACIW has less shares outstanding
- Compared to 1 year ago, ACIW has a worse debt to assets ratio.
2.2 Solvency
- An Altman-Z score of 3.46 indicates that ACIW is not in any danger for bankruptcy at the moment.
- The Altman-Z score of ACIW (3.46) is better than 67.63% 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.
- Looking at the Debt to FCF ratio, with a value of 3.02, ACIW is in the better half of the industry, outperforming 64.39% of the companies in the same industry.
- A Debt/Equity ratio of 0.56 indicates that ACIW is somewhat dependend on debt financing.
- ACIW has a worse Debt to Equity ratio (0.56) than 67.27% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.56 | ||
| Debt/FCF | 3.02 | ||
| Altman-Z | 3.46 |
ROIC/WACC1.09
WACC11.19%
2.3 Liquidity
- A Current Ratio of 1.58 indicates that ACIW should not have too much problems paying its short term obligations.
- ACIW's Current ratio of 1.58 is in line compared to the rest of the industry. ACIW outperforms 47.84% of 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 of 1.58. This is comparable to the rest of the industry: ACIW outperforms 48.56% 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
- ACIW shows a small growth in Revenue. In the last year, the Revenue has grown by 7.01%.
- ACIW shows a small growth in Revenue. Measured over the last years, the Revenue has been growing by 4.85% yearly.
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.
- 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
- The Price/Earnings ratio is 17.52, which indicates a rather expensive current valuation of ACIW.
- Based on the Price/Earnings ratio, ACIW is valued a bit cheaper than 76.62% of the companies in the same industry.
- ACIW's Price/Earnings ratio indicates a valuation a bit cheaper than the S&P500 average which is at 28.41.
- The Price/Forward Earnings ratio is 16.71, which indicates a correct valuation of ACIW.
- Based on the Price/Forward Earnings ratio, ACIW is valued a bit cheaper than the industry average as 76.62% of the companies are valued more expensively.
- Compared to an average S&P500 Price/Forward Earnings ratio of 25.64, ACIW is valued a bit cheaper.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 17.52 | ||
| Fwd PE | 16.71 |
4.2 Price Multiples
- ACIW's Enterprise Value to EBITDA ratio is rather cheap when compared to the industry. ACIW is cheaper than 84.89% 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 83.09% of the companies listed in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 15.57 | ||
| EV/EBITDA | 11.42 |
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)0.71
PEG (5Y)0.64
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% |
43.45
+0.09 (+0.21%)
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-0.2%
Ins Owners0.64%
Ins Owner Change2.59%
Market Cap4.48B
Revenue(TTM)1.73B
Net Income(TTM)260.88M
Analysts84.62
Price Target66.94 (54.06%)
Short Float %3.52%
Short Ratio4.97
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)0%
PT rev (3m)5.81%
EPS NQ rev (1m)-1.44%
EPS NQ rev (3m)-4.19%
EPS NY rev (1m)-0.21%
EPS NY rev (3m)1.92%
Revenue NQ rev (1m)-0.23%
Revenue NQ rev (3m)-0.46%
Revenue NY rev (1m)0.06%
Revenue NY rev (3m)0.85%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 17.52 | ||
| Fwd PE | 16.71 | ||
| P/S | 2.59 | ||
| P/FCF | 15.57 | ||
| P/OCF | 13.68 | ||
| P/B | 3.03 | ||
| P/tB | 201.33 | ||
| EV/EBITDA | 11.42 |
EPS(TTM)2.48
EY5.71%
EPS(NY)2.6
Fwd EY5.99%
FCF(TTM)2.79
FCFY6.42%
OCF(TTM)3.18
OCFY7.31%
SpS16.79
BVpS14.35
TBVpS0.22
PEG (NY)0.71
PEG (5Y)0.64
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 | 3.46 |
F-Score8
WACC11.19%
ROIC/WACC1.09
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 17.52 and the Price/Book (PB) ratio is 3.03.