42.6103 USD
-0.38 (-0.88%)
We assign a fundamental rating of 6 out of 10 to ACIW. ACIW was compared to 277 industry peers in the Software industry. ACIW has an excellent profitability rating, but 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. With these ratings, ACIW could be worth investigating further 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.
- Each year in the past 5 years ACIW has been profitable.
- ACIW had a positive operating cash flow in each of the past 5 years.
1.2 Ratios
- Looking at the Return On Assets, with a value of 8.25%, ACIW belongs to the top of the industry, outperforming 80.87% of the companies in the same industry.
- Looking at the Return On Equity, with a value of 17.64%, ACIW belongs to the top of the industry, outperforming 85.56% of the companies in the same industry.
- ACIW has a better Return On Invested Capital (12.16%) than 88.09% of its industry peers.
- Measured over the past 3 years, the Average Return On Invested Capital for ACIW is below the industry average of 10.78%.
- The 3 year average ROIC (8.48%) for ACIW is below the current ROIC(12.16%), indicating increased profibility in the last year.
| 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
- The Profit Margin of ACIW (15.07%) is better than 77.62% of its industry peers.
- In the last couple of years the Profit Margin of ACIW has grown nicely.
- ACIW has a better Operating Margin (20.83%) than 87.00% of its industry peers.
- ACIW's Operating Margin has improved in the last couple of years.
- The Gross Margin of ACIW (49.67%) is worse than 70.76% 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 | 20.83% | ||
| 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
- The Return on Invested Capital (ROIC) is just above the Cost of Capital (WACC), so ACIW is still creating some value.
- The number of shares outstanding for ACIW has been reduced compared to 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 3.45 indicates that ACIW is not in any danger for bankruptcy at the moment.
- ACIW has a better Altman-Z score (3.45) than 65.70% of its industry peers.
- ACIW has a debt to FCF ratio of 3.02. This is a good value and a sign of high solvency as ACIW would need 3.02 years to pay back of all of its debts.
- ACIW's Debt to FCF ratio of 3.02 is fine compared to the rest of the industry. ACIW outperforms 64.62% of its industry peers.
- A Debt/Equity ratio of 0.56 indicates that ACIW is somewhat dependend on debt financing.
- ACIW's Debt to Equity ratio of 0.56 is on the low side compared to the rest of the industry. ACIW is outperformed by 67.15% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.56 | ||
| Debt/FCF | 3.02 | ||
| Altman-Z | 3.45 |
ROIC/WACC1.09
WACC11.18%
2.3 Liquidity
- A Current Ratio of 1.58 indicates that ACIW should not have too much problems paying its short term obligations.
- ACIW has a Current ratio of 1.58. This is comparable to the rest of the industry: ACIW outperforms 47.65% of its industry peers.
- A Quick Ratio of 1.58 indicates that ACIW should not have too much problems paying its short term obligations.
- The Quick ratio of ACIW (1.58) is comparable to the rest of the 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
- ACIW shows a small growth in Revenue. In the last year, the Revenue has grown by 7.01%.
- Measured over the past years, ACIW shows a small growth in Revenue. The Revenue has been growing by 4.85% on average per year.
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
- ACIW is expected to show quite a strong growth in Earnings Per Share. In the coming years, the EPS will grow by 15.12% yearly.
- The Revenue is expected to grow by 5.64% on average over the next years.
EPS Next Y25.02%
EPS Next 2Y16.65%
EPS Next 3Y15.12%
EPS Next 5YN/A
Revenue Next Year9.35%
Revenue Next 2Y5.74%
Revenue Next 3Y5.64%
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.
- The Revenue growth rate is stable: in the next years the growth will be about the same than in the last years.
4. Valuation
4.1 Price/Earnings Ratio
- The Price/Earnings ratio is 17.18, which indicates a rather expensive current valuation of ACIW.
- 76.53% of the companies in the same industry are more expensive than ACIW, based on the Price/Earnings ratio.
- ACIW is valuated rather cheaply when we compare the Price/Earnings ratio to 27.38, which is the current average of the S&P500 Index.
- The Price/Forward Earnings ratio is 16.31, which indicates a correct valuation of ACIW.
- ACIW's Price/Forward Earnings ratio is a bit cheaper when compared to the industry. ACIW is cheaper than 79.78% of the companies in the same industry.
- Compared to an average S&P500 Price/Forward Earnings ratio of 24.29, ACIW is valued a bit cheaper.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 17.18 | ||
| Fwd PE | 16.31 |
4.2 Price Multiples
- Compared to the rest of the industry, the Enterprise Value to EBITDA ratio of ACIW indicates a rather cheap valuation: ACIW is cheaper than 85.56% of the companies listed 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 84.48% of the companies listed in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 15.27 | ||
| EV/EBITDA | 11.34 |
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 15.12% in the coming years. This may justify a more expensive valuation.
PEG (NY)0.69
PEG (5Y)0.62
EPS Next 2Y16.65%
EPS Next 3Y15.12%
5. Dividend
5.1 Amount
- ACIW does not give a dividend.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 0% |
NASDAQ:ACIW (1/20/2026, 2:13:43 PM)
42.6103
-0.38 (-0.88%)
Chartmill FA Rating
GICS SectorInformation Technology
GICS IndustryGroupSoftware & Services
GICS IndustrySoftware
Earnings (Last)11-06 2025-11-06/bmo
Earnings (Next)02-25 2026-02-25/amc
Inst Owners101.2%
Inst Owner Change1.88%
Ins Owners0.64%
Ins Owner Change2.59%
Market Cap4.39B
Revenue(TTM)1.73B
Net Income(TTM)260.88M
Analysts84.62
Price Target66.94 (57.1%)
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)5.78%
PT rev (3m)5.92%
EPS NQ rev (1m)0%
EPS NQ rev (3m)-3.37%
EPS NY rev (1m)-0.11%
EPS NY rev (3m)1.95%
Revenue NQ rev (1m)0%
Revenue NQ rev (3m)-0.23%
Revenue NY rev (1m)0.06%
Revenue NY rev (3m)0.79%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 17.18 | ||
| Fwd PE | 16.31 | ||
| P/S | 2.54 | ||
| P/FCF | 15.27 | ||
| P/OCF | 13.41 | ||
| P/B | 2.97 | ||
| P/tB | 197.44 | ||
| EV/EBITDA | 11.34 |
EPS(TTM)2.48
EY5.82%
EPS(NY)2.61
Fwd EY6.13%
FCF(TTM)2.79
FCFY6.55%
OCF(TTM)3.18
OCFY7.46%
SpS16.79
BVpS14.35
TBVpS0.22
PEG (NY)0.69
PEG (5Y)0.62
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 | 3.45 |
F-Score8
WACC11.18%
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 Y25.02%
EPS Next 2Y16.65%
EPS Next 3Y15.12%
EPS Next 5YN/A
Revenue 1Y (TTM)7.01%
Revenue growth 3Y5.17%
Revenue growth 5Y4.85%
Sales Q2Q%6.78%
Revenue Next Year9.35%
Revenue Next 2Y5.74%
Revenue Next 3Y5.64%
Revenue Next 5YN/A
EBIT growth 1Y0.42%
EBIT growth 3Y12.36%
EBIT growth 5Y16.75%
EBIT Next Year73.27%
EBIT Next 3Y26.31%
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 17.18 and the Price/Book (PB) ratio is 2.97.