43.49 USD
-1.98 (-4.35%)
43.49 USD
0 (0%)
Overall ACIW gets a fundamental rating of 6 out of 10. We evaluated ACIW against 276 industry peers in the Software industry. ACIW scores excellent on profitability, 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
- The Return On Assets of ACIW (8.25%) is better than 80.80% of its industry peers.
- ACIW's Return On Equity of 17.64% is amongst the best of the industry. ACIW outperforms 85.51% of its industry peers.
- ACIW's Return On Invested Capital of 12.16% is amongst the best of the industry. ACIW outperforms 88.04% of its industry peers.
- The Average Return On Invested Capital over the past 3 years for ACIW is below the industry average of 10.78%.
- 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 77.54% 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 86.96% of its industry peers.
- In the last couple of years the Operating Margin of ACIW has grown nicely.
- ACIW has a worse Gross Margin (49.67%) than 70.65% 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
- With a Return on Invested Capital (ROIC) just above the Cost of Capital (WACC), ACIW is creating some value.
- Compared to 1 year ago, ACIW has less shares outstanding
- Compared to 5 years ago, ACIW has less shares outstanding
- ACIW has a worse debt/assets ratio than last year.
2.2 Solvency
- An Altman-Z score of 3.54 indicates that ACIW is not in any danger for bankruptcy at the moment.
- The Altman-Z score of ACIW (3.54) is better than 65.22% 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 has a better Debt to FCF ratio (3.02) than 64.49% 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.
- 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 67.03% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.56 | ||
| Debt/FCF | 3.02 | ||
| Altman-Z | 3.54 |
ROIC/WACC1.1
WACC11.07%
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 has a Current ratio (1.58) which is in line with its industry peers.
- A Quick Ratio of 1.58 indicates that ACIW should not have too much problems paying its short term obligations.
- Looking at the Quick ratio, with a value of 1.58, ACIW is in line with its industry, outperforming 48.55% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | 1.58 | ||
| Quick Ratio | 1.58 |
3. Growth
3.1 Past
- ACIW shows a strong growth in Earnings Per Share. In the last year, the EPS has been growing by 17.54%, which is quite good.
- 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 15.12% on average over the next years. This is quite good.
- 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
- ACIW is valuated rather expensively with a Price/Earnings ratio of 17.54.
- ACIW's Price/Earnings ratio is a bit cheaper when compared to the industry. ACIW is cheaper than 76.09% of the companies in the same industry.
- The average S&P500 Price/Earnings ratio is at 27.54. ACIW is valued slightly cheaper when compared to this.
- ACIW is valuated correctly with a Price/Forward Earnings ratio of 16.65.
- ACIW's Price/Forward Earnings ratio is a bit cheaper when compared to the industry. ACIW is cheaper than 78.26% of the companies in the same industry.
- ACIW is valuated rather cheaply when we compare the Price/Forward Earnings ratio to 24.31, which is the current average of the S&P500 Index.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 17.54 | ||
| Fwd PE | 16.65 |
4.2 Price Multiples
- Based on the Enterprise Value to EBITDA ratio, ACIW is valued cheaply inside the industry as 85.14% of the companies are valued more expensively.
- ACIW's Price/Free Cash Flow ratio is rather cheap when compared to the industry. ACIW is cheaper than 82.97% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 15.58 | ||
| EV/EBITDA | 11.91 |
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)0.7
PEG (5Y)0.64
EPS Next 2Y16.65%
EPS Next 3Y15.12%
5. Dividend
5.1 Amount
- No dividends for ACIW!.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 0% |
43.49
-1.98 (-4.35%)
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 Change1.87%
Ins Owners0.64%
Ins Owner Change2.59%
Market Cap4.48B
Revenue(TTM)1.73B
Net Income(TTM)260.88M
Analysts84.62
Price Target66.94 (53.92%)
Short Float %4.17%
Short Ratio5.76
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 | 17.54 | ||
| Fwd PE | 16.65 | ||
| P/S | 2.59 | ||
| P/FCF | 15.58 | ||
| P/OCF | 13.69 | ||
| P/B | 3.03 | ||
| P/tB | 201.52 | ||
| EV/EBITDA | 11.91 |
EPS(TTM)2.48
EY5.7%
EPS(NY)2.61
Fwd EY6.01%
FCF(TTM)2.79
FCFY6.42%
OCF(TTM)3.18
OCFY7.31%
SpS16.79
BVpS14.35
TBVpS0.22
PEG (NY)0.7
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 | 3.54 |
F-Score8
WACC11.07%
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 Y25.02%
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 17.54 and the Price/Book (PB) ratio is 3.03.