47.575 USD
+0.91 (+1.94%)
Overall ACIW gets a fundamental rating of 6 out of 10. We evaluated ACIW against 280 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. A decent growth rate in combination with a cheap valuation! Better keep an eye on ACIW. These ratings would make ACIW suitable 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.
In the past 5 years ACIW has always been profitable.
ACIW had a positive operating cash flow in each of the past 5 years.
1.2 Ratios
With an excellent Return On Assets value of 8.25%, ACIW belongs to the best of the industry, outperforming 81.43% 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 86.07% of its industry peers.
The Return On Invested Capital of ACIW (12.16%) is better than 88.21% of its industry peers.
The Average Return On Invested Capital over the past 3 years for ACIW is below the industry average of 10.81%.
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
ACIW's Profit Margin of 15.07% is fine compared to the rest of the industry. ACIW outperforms 78.93% of its industry peers.
ACIW's Profit Margin has improved in the last couple of years.
The Operating Margin of ACIW (20.83%) is better than 87.14% of its industry peers.
ACIW's Operating Margin has improved in the last couple of years.
Looking at the Gross Margin, with a value of 49.67%, ACIW is doing worse than 69.29% of the companies in the same industry.
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 | 20.83% | ||
| 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.
ACIW has less shares outstanding than it did 1 year ago.
ACIW has less shares outstanding than it did 5 years ago.
ACIW has a worse debt/assets ratio than last year.
2.2 Solvency
An Altman-Z score of 3.58 indicates that ACIW is not in any danger for bankruptcy at the moment.
With a decent Altman-Z score value of 3.58, ACIW is doing good in the industry, outperforming 63.93% of the companies in the same industry.
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 has a better Debt to FCF ratio (3.02) than 64.64% 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.
The Debt to Equity ratio of ACIW (0.56) is worse than 66.43% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.56 | ||
| Debt/FCF | 3.02 | ||
| Altman-Z | 3.58 |
ROIC/WACC1.1
WACC11.04%
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's Current ratio of 1.58 is in line compared to the rest of the industry. ACIW outperforms 48.93% of its industry peers.
A Quick Ratio of 1.58 indicates that ACIW should not have too much problems paying its short term obligations.
With a Quick ratio value of 1.58, ACIW perfoms like the industry average, outperforming 49.64% of the companies in the same industry.
| 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.
The Revenue has been growing slightly by 4.85% on average over the past years.
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 15.13% on average over the next years. This is quite good.
ACIW is expected to show a small growth in Revenue. In the coming years, the Revenue will grow by 5.02% yearly.
EPS Next Y25.16%
EPS Next 2Y16.66%
EPS Next 3Y15.13%
EPS Next 5YN/A
Revenue Next Year9.29%
Revenue Next 2Y5.31%
Revenue Next 3Y5.02%
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 stable.
4. Valuation
4.1 Price/Earnings Ratio
A Price/Earnings ratio of 19.18 indicates a rather expensive valuation of ACIW.
Based on the Price/Earnings ratio, ACIW is valued a bit cheaper than 76.07% 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 26.55.
Based on the Price/Forward Earnings ratio of 18.21, the valuation of ACIW can be described as rather expensive.
76.79% of the companies in the same industry are more expensive than ACIW, based on the Price/Forward Earnings ratio.
Compared to an average S&P500 Price/Forward Earnings ratio of 23.78, ACIW is valued a bit cheaper.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 19.18 | ||
| Fwd PE | 18.21 |
4.2 Price Multiples
ACIW's Enterprise Value to EBITDA ratio is rather cheap when compared to the industry. ACIW is cheaper than 86.07% of the companies in the same industry.
84.64% of the companies in the same industry are more expensive than ACIW, based on the Price/Free Cash Flow ratio.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 17.04 | ||
| EV/EBITDA | 12.18 |
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.
ACIW's earnings are expected to grow with 15.13% in the coming years. This may justify a more expensive valuation.
PEG (NY)0.76
PEG (5Y)0.7
EPS Next 2Y16.66%
EPS Next 3Y15.13%
5. Dividend
5.1 Amount
No dividends for ACIW!.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 0% |
NASDAQ:ACIW (12/16/2025, 12:25:48 PM)
47.575
+0.91 (+1.94%)
Chartmill FA Rating
GICS SectorInformation Technology
GICS IndustryGroupSoftware & Services
GICS IndustrySoftware
Earnings (Last)
Earnings (Next)
Inst Owners101.04%
Inst Owner Change4.74%
Ins Owners0.65%
Ins Owner Change2.55%
Market Cap4.90B
Revenue(TTM)1.73B
Net Income(TTM)260.88M
Analysts81.54
Price Target63.28 (33.01%)
Short Float %4.08%
Short Ratio5.9
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)0.03%
PT rev (3m)0.14%
EPS NQ rev (1m)-2.4%
EPS NQ rev (3m)-3.37%
EPS NY rev (1m)2.21%
EPS NY rev (3m)1.29%
Revenue NQ rev (1m)0%
Revenue NQ rev (3m)-0.23%
Revenue NY rev (1m)0.74%
Revenue NY rev (3m)0.74%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 19.18 | ||
| Fwd PE | 18.21 | ||
| P/S | 2.83 | ||
| P/FCF | 17.04 | ||
| P/OCF | 14.97 | ||
| P/B | 3.32 | ||
| P/tB | 220.45 | ||
| EV/EBITDA | 12.18 |
EPS(TTM)2.48
EY5.21%
EPS(NY)2.61
Fwd EY5.49%
FCF(TTM)2.79
FCFY5.87%
OCF(TTM)3.18
OCFY6.68%
SpS16.79
BVpS14.35
TBVpS0.22
PEG (NY)0.76
PEG (5Y)0.7
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 | 3.58 |
F-Score8
WACC11.04%
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 Y25.16%
EPS Next 2Y16.66%
EPS Next 3Y15.13%
EPS Next 5YN/A
Revenue 1Y (TTM)7.01%
Revenue growth 3Y5.17%
Revenue growth 5Y4.85%
Sales Q2Q%6.78%
Revenue Next Year9.29%
Revenue Next 2Y5.31%
Revenue Next 3Y5.02%
Revenue Next 5YN/A
EBIT growth 1Y0.42%
EBIT growth 3Y12.36%
EBIT growth 5Y16.75%
EBIT Next Year76.54%
EBIT Next 3Y27.26%
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 of ACI WORLDWIDE INC (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.
Can you provide the PE and PB ratios for ACIW stock?
The Price/Earnings (PE) ratio for ACI WORLDWIDE INC (ACIW) is 19.18 and the Price/Book (PB) ratio is 3.32.
What is the financial health of ACI WORLDWIDE INC (ACIW) stock?
The financial health rating of ACI WORLDWIDE INC (ACIW) is 5 / 10.