ACI WORLDWIDE INC (ACIW) Fundamental Analysis & Valuation

NASDAQ:ACIW • US0044981019

Current stock price

42.03 USD
+1.25 (+3.07%)
Last:

This ACIW fundamental analysis includes valuation metrics, fair value assessment, financial health analysis, profitability trends, growth metrics and dividend sustainability analysis.

8

1. ACIW Profitability Analysis

1.1 Basic Checks

  • ACIW had positive earnings in the past year.
  • ACIW had a positive operating cash flow in the past year.
  • In the past 5 years ACIW has always been profitable.
  • Each year in the past 5 years ACIW had a positive operating cash flow.
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 2025 100M 200M 300M

1.2 Ratios

  • The Return On Assets of ACIW (7.30%) is better than 80.36% of its industry peers.
  • With an excellent Return On Equity value of 14.92%, ACIW belongs to the best of the industry, outperforming 81.45% of the companies in the same industry.
  • ACIW's Return On Invested Capital of 11.03% is amongst the best of the industry. ACIW outperforms 86.91% of its industry peers.
  • The Average Return On Invested Capital over the past 3 years for ACIW is in line with the industry average of 10.99%.
  • The last Return On Invested Capital (11.03%) for ACIW is above the 3 year average (9.42%), which is a sign of increasing profitability.
Industry RankSector 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%
ACIW Yearly ROA, ROE, ROICACIW Yearly ROA, ROE, ROICYearly ROA, ROE, ROIC 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 5 10 15

1.3 Margins

  • ACIW has a Profit Margin of 12.88%. This is in the better half of the industry: ACIW outperforms 77.45% of its industry peers.
  • In the last couple of years the Profit Margin of ACIW has grown nicely.
  • ACIW has a Operating Margin of 19.40%. This is amongst the best in the industry. ACIW outperforms 86.91% of its industry peers.
  • In the last couple of years the Operating Margin of ACIW has grown nicely.
  • Looking at the Gross Margin, with a value of 48.99%, ACIW is doing worse than 70.18% of the companies in the same industry.
  • ACIW's Gross Margin has been stable in the last couple of years.
Industry RankSector 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%
ACIW Yearly Profit, Operating, Gross MarginsACIW Yearly Profit, Operating, Gross MarginsYearly Profit, Operating, Gross Margins 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 10 20 30 40 50

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ROAROEROICOperating and Profit MarginShow most profitable peers

6

2. ACIW Health Analysis

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
  • The debt/assets ratio for ACIW has been reduced compared to a year ago.
ACIW Yearly Shares OutstandingACIW Yearly Shares OutstandingYearly Shares Outstanding 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 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 2025 1B 2B 3B

2.2 Solvency

  • An Altman-Z score of 3.47 indicates that ACIW is not in any danger for bankruptcy at the moment.
  • Looking at the Altman-Z score, with a value of 3.47, ACIW is in the better half of the industry, outperforming 69.45% of the companies in the same industry.
  • 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.
  • ACIW has a better Debt to FCF ratio (2.82) than 62.18% of its industry peers.
  • A Debt/Equity ratio of 0.51 indicates that ACIW is somewhat dependend on debt financing.
  • Looking at the Debt to Equity ratio, with a value of 0.51, ACIW is doing worse than 65.82% of the companies in the same industry.
Industry RankSector Rank
Debt/Equity 0.51
Debt/FCF 2.82
Altman-Z 3.47
ROIC/WACC1.01
WACC10.96%
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 2025 500M 1B 1.5B

2.3 Liquidity

  • ACIW has a Current 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.
  • The Current ratio of ACIW (1.54) is comparable to the rest of the 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.
  • With a Quick ratio value of 1.54, ACIW perfoms like the industry average, outperforming 46.55% of the companies in the same industry.
Industry RankSector Rank
Current Ratio 1.54
Quick Ratio 1.54
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 2025 500M 1B

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WACCDebt/EquityHow to determine the health of a companyAltman-Z scoreShow peers with great health

6

3. ACIW Growth Analysis

3.1 Past

  • The Earnings Per Share has grown by an nice 13.02% over the past year.
  • The Earnings Per Share has been growing by 29.32% on average over the past years. This is a very strong growth
  • Looking at the last year, ACIW shows a quite strong growth in Revenue. The Revenue has grown by 10.38% in the last year.
  • The Revenue has been growing slightly by 6.34% on average over the past years.
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

  • Based on estimates for the next years, ACIW will show a quite strong growth in Earnings Per Share. The EPS will grow by 19.47% on average per year.
  • Based on estimates for the next years, ACIW will show a small growth in Revenue. The Revenue will grow by 7.98% on average per year.
EPS Next Y26.29%
EPS Next 2Y19.47%
EPS Next 3YN/A
EPS Next 5YN/A
Revenue Next Year8.55%
Revenue Next 2Y7.98%
Revenue Next 3YN/A
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.
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 1 2 3

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Find the best growth stocksShow best growing peers

7

4. ACIW Valuation Analysis

4.1 Price/Earnings Ratio

  • With a Price/Earnings ratio of 19.37, ACIW is valued on the expensive side.
  • ACIW's Price/Earnings ratio is a bit cheaper when compared to the industry. ACIW is cheaper than 72.36% of the companies in the same industry.
  • When comparing the Price/Earnings ratio of ACIW to the average of the S&P500 Index (26.21), we can say ACIW is valued slightly cheaper.
  • Based on the Price/Forward Earnings ratio of 15.34, 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 75.27% of the companies in the same industry.
  • ACIW's Price/Forward Earnings ratio indicates a valuation a bit cheaper than the S&P500 average which is at 23.10.
Industry RankSector Rank
PE 19.37
Fwd PE 15.34
ACIW Price Earnings VS Forward Price EarningsACIW Price Earnings VS Forward Price Earnings ChartPrice Earnings - Forward Price Earnings PE FPE 10 20 30

4.2 Price Multiples

  • ACIW's Enterprise Value to EBITDA ratio is rather cheap when compared to the industry. ACIW is cheaper than 85.45% of the companies in the same industry.
  • Based on the Price/Free Cash Flow ratio, ACIW is valued cheaper than 81.82% of the companies in the same industry.
Industry RankSector Rank
P/FCF 14.77
EV/EBITDA 10.88
ACIW Per share dataACIW EPS, Sales, OCF, FCF, BookValue per sharePer Share Data Per Share 5 10 15

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)0.74
PEG (5Y)0.66
EPS Next 2Y19.47%
EPS Next 3YN/A

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Price/EarningsPrice/FCFFCF per shareEV/EBITDAPEG RATIOShow best valued peers

0

5. ACIW Dividend Analysis

5.1 Amount

  • ACIW does not give a dividend.
Industry RankSector Rank
Dividend Yield 0%

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ACIW Fundamentals: All Metrics, Ratios and Statistics

ACI WORLDWIDE INC

NASDAQ:ACIW (4/8/2026, 10:26:28 AM)

42.03

+1.25 (+3.07%)

Chartmill FA Rating
GICS IndustryGroupSoftware & Services
GICS IndustrySoftware
Earnings (Last)02-26
Earnings (Next)04-30
Inst Owners102.56%
Inst Owner Change0%
Ins Owners0.49%
Ins Owner Change2.5%
Market Cap4.28B
Revenue(TTM)1.76B
Net Income(TTM)226.66M
Analysts83.33
Price Target64.44 (53.32%)
Short Float %3.8%
Short Ratio4.34
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)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)1.94%
PT rev (3m)-3.73%
EPS NQ rev (1m)-10.56%
EPS NQ rev (3m)21.97%
EPS NY rev (1m)0%
EPS NY rev (3m)4.89%
Revenue NQ rev (1m)0.97%
Revenue NQ rev (3m)1.73%
Revenue NY rev (1m)0.42%
Revenue NY rev (3m)6.22%
Valuation
Industry RankSector Rank
PE 19.37
Fwd PE 15.34
P/S 2.43
P/FCF 14.77
P/OCF 13.24
P/B 2.81
P/tB 67.47
EV/EBITDA 10.88
EPS(TTM)2.17
EY5.16%
EPS(NY)2.74
Fwd EY6.52%
FCF(TTM)2.85
FCFY6.77%
OCF(TTM)3.17
OCFY7.55%
SpS17.3
BVpS14.93
TBVpS0.62
PEG (NY)0.74
PEG (5Y)0.66
Graham Number27
Profitability
Industry RankSector 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 RankSector 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 3.47
F-Score7
WACC10.96%
ROIC/WACC1.01
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 Year8.55%
Revenue Next 2Y7.98%
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 Fundamental Analysis 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.


How profitable is ACI WORLDWIDE INC (ACIW) stock?

ACI WORLDWIDE INC (ACIW) has a profitability rating of 8 / 10.


What is the financial health of ACI WORLDWIDE INC (ACIW) stock?

The financial health rating of ACI WORLDWIDE INC (ACIW) is 6 / 10.