ACI WORLDWIDE INC (ACIW) Stock Fundamental Analysis

NASDAQ:ACIW • US0044981019

39.68 USD
-0.12 (-0.3%)
At close: Feb 27, 2026
39.68 USD
0 (0%)
After Hours: 2/27/2026, 8:00:00 PM
Overview Stock Chart Technical Analysis Fundamental Analysis Analyst Ratings Earnings Estimates Financials Ownership News
Fundamental Rating

5

We assign a fundamental rating of 5 out of 10 to ACIW. ACIW was compared to 276 industry peers in the Software industry. While ACIW has a great profitability rating, there are some minor concerns on its financial health. ACIW is not valued too expensively and it also shows a decent growth rate.


Dividend Valuation Growth Profitability Health

7

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.
  • ACIW had positive earnings in 4 of the past 5 years.
  • ACIW had a positive operating cash flow in 4 of the past 5 years.
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 100M 200M 300M

1.2 Ratios

  • ACIW has a better Return On Assets (8.25%) than 82.61% of its industry peers.
  • ACIW's Return On Equity of 17.64% is amongst the best of the industry. ACIW outperforms 84.42% of its industry peers.
  • With an excellent Return On Invested Capital value of 12.15%, ACIW belongs to the best of the industry, outperforming 88.41% of the companies in the same industry.
  • ACIW had an Average Return On Invested Capital over the past 3 years of 8.48%. This is below the industry average of 10.73%.
  • The 3 year average ROIC (8.48%) for ACIW is below the current ROIC(12.15%), indicating increased profibility in the last year.
Industry RankSector Rank
ROA 8.25%
ROE 17.64%
ROIC 12.15%
ROA(3y)4.89%
ROA(5y)4.17%
ROE(3y)11.78%
ROE(5y)10.33%
ROIC(3y)8.48%
ROIC(5y)7.85%
ACIW Yearly ROA, ROE, ROICACIW Yearly ROA, ROE, ROICYearly ROA, ROE, ROIC 2016 2017 2018 2019 2020 2021 2022 2023 2024 5 10 15

1.3 Margins

  • ACIW has a better Profit Margin (15.07%) than 80.43% of its industry peers.
  • ACIW's Profit Margin has improved in the last couple of years.
  • With an excellent Operating Margin value of 20.82%, ACIW belongs to the best of the industry, outperforming 88.77% of the companies in the same industry.
  • 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 71.01% 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 RankSector Rank
OM 20.82%
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%
ACIW Yearly Profit, Operating, Gross MarginsACIW Yearly Profit, Operating, Gross MarginsYearly Profit, Operating, Gross Margins 2016 2017 2018 2019 2020 2021 2022 2023 2024 10 20 30 40 50

More info and screens

ROAROEROICOperating and Profit MarginShow most profitable peers

5

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.
  • There is no outstanding debt for ACIW. This means it has a Debt/Equity and Debt/FCF ratio of 0 and it is amongst the best of the sector and industry.
ACIW Yearly Shares OutstandingACIW Yearly Shares OutstandingYearly Shares Outstanding 2016 2017 2018 2019 2020 2021 2022 2023 2024 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 1B 2B 3B

2.2 Solvency

  • ACIW has an Altman-Z score of 3.32. This indicates that ACIW is financially healthy and has little risk of bankruptcy at the moment.
  • Looking at the Altman-Z score, with a value of 3.32, ACIW is in the better half of the industry, outperforming 68.84% of the companies in the same industry.
  • 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 62.68% of its industry peers.
  • A Debt/Equity ratio of 0.56 indicates that ACIW is somewhat dependend on debt financing.
  • Looking at the Debt to Equity ratio, with a value of 0.56, ACIW is doing worse than 67.03% of the companies in the same industry.
Industry RankSector Rank
Debt/Equity 0.56
Debt/FCF 3.02
Altman-Z 3.32
ROIC/WACC1.1
WACC11.02%
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 500M 1B

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 (1.58) which is comparable to the rest of the industry.
  • ACIW has a Quick 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.
  • 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 RankSector Rank
Current Ratio 1.58
Quick Ratio 1.58
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 500M 1B

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

4

3. Growth

3.1 Past

  • The Earnings Per Share has grown by an impressive 27.60% over the past year.
  • The Earnings Per Share has been growing by 32.50% on average over the past years. This is a very strong growth
EPS 1Y (TTM)27.6%
EPS 3Y27.94%
EPS 5Y32.5%
EPS Q2Q%-3.23%
Revenue 1Y (TTM)N/A
Revenue growth 3YN/A
Revenue growth 5YN/A
Sales Q2Q%6.3%

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 8.97% yearly.
  • The Revenue is expected to grow by 7.22% on average over the next years.
EPS Next Y6.16%
EPS Next 2Y8.97%
EPS Next 3YN/A
EPS Next 5YN/A
Revenue Next Year6.92%
Revenue Next 2Y7.22%
Revenue Next 3YN/A
Revenue Next 5YN/A

3.3 Evolution

  • The EPS growth rate is decreasing: in the next years the growth will be less 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 0.5 1 1.5 2 2.5

More info and screens

Find the best growth stocksShow best growing peers

6

4. Valuation

4.1 Price/Earnings Ratio

  • ACIW is valuated correctly with a Price/Earnings ratio of 16.20.
  • 78.62% of the companies in the same industry are more expensive than ACIW, based on the Price/Earnings ratio.
  • The average S&P500 Price/Earnings ratio is at 27.07. ACIW is valued slightly cheaper when compared to this.
  • A Price/Forward Earnings ratio of 15.26 indicates a correct valuation of ACIW.
  • Compared to the rest of the industry, the Price/Forward Earnings ratio of ACIW indicates a somewhat cheap valuation: ACIW is cheaper than 74.64% of the companies listed in the same industry.
  • ACIW's Price/Forward Earnings ratio indicates a valuation a bit cheaper than the S&P500 average which is at 28.05.
Industry RankSector Rank
PE 16.2
Fwd PE 15.26
ACIW Price Earnings VS Forward Price EarningsACIW Price Earnings VS Forward Price Earnings ChartPrice Earnings - Forward Price Earnings PE FPE 10 20 30 40

4.2 Price Multiples

  • ACIW's Enterprise Value to EBITDA ratio is rather cheap when compared to the industry. ACIW is cheaper than 87.68% of the companies in the same industry.
  • 82.25% of the companies in the same industry are more expensive than ACIW, based on the Price/Free Cash Flow ratio.
Industry RankSector Rank
P/FCF 14.22
EV/EBITDA 10.59
ACIW Per share dataACIW EPS, Sales, OCF, FCF, BookValue per sharePer Share Data Per Share 5 10 15

4.3 Compensation for Growth

  • The high PEG Ratio(NY), which compensates the Price/Earnings for growth, indicates an expensive valuation of the company.
  • The decent profitability rating of ACIW may justify a higher PE ratio.
PEG (NY)2.63
PEG (5Y)0.5
EPS Next 2Y8.97%
EPS Next 3YN/A

More info and screens

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

0

5. Dividend

5.1 Amount

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

More info and screens

Find the best dividend stocksShow peers with best dividend

ACI WORLDWIDE INC

NASDAQ:ACIW (2/27/2026, 8:00:00 PM)

After market: 39.68 0 (0%)

39.68

-0.12 (-0.3%)

Chartmill FA Rating
GICS IndustryGroupSoftware & Services
GICS IndustrySoftware
Earnings (Last)02-26
Earnings (Next)05-06
Inst Owners101.2%
Inst Owner Change-3.73%
Ins Owners0.64%
Ins Owner Change2.63%
Market Cap4.09B
Revenue(TTM)N/A
Net Income(TTM)260.88M
Analysts84.62
Price Target63.21 (59.3%)
Short Float %3.98%
Short Ratio5.36
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)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)-5.56%
PT rev (3m)-0.11%
EPS NQ rev (1m)0%
EPS NQ rev (3m)-1.44%
EPS NY rev (1m)0%
EPS NY rev (3m)1.88%
Revenue NQ rev (1m)0%
Revenue NQ rev (3m)-0.23%
Revenue NY rev (1m)0%
Revenue NY rev (3m)0.85%
Valuation
Industry RankSector Rank
PE 16.2
Fwd PE 15.26
P/S 2.36
P/FCF 14.22
P/OCF 12.49
P/B 2.77
P/tB 183.86
EV/EBITDA 10.59
EPS(TTM)2.45
EY6.17%
EPS(NY)2.6
Fwd EY6.55%
FCF(TTM)2.79
FCFY7.03%
OCF(TTM)3.18
OCFY8.01%
SpS16.79
BVpS14.35
TBVpS0.22
PEG (NY)2.63
PEG (5Y)0.5
Graham Number28.12
Profitability
Industry RankSector Rank
ROA 8.25%
ROE 17.64%
ROCE 14.87%
ROIC 12.15%
ROICexc 13.24%
ROICexgc 38.36%
OM 20.82%
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 RankSector 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 72.87%
Profit Quality 110.3%
Current Ratio 1.58
Quick Ratio 1.58
Altman-Z 3.32
F-Score8
WACC11.02%
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)27.6%
EPS 3Y27.94%
EPS 5Y32.5%
EPS Q2Q%-3.23%
EPS Next Y6.16%
EPS Next 2Y8.97%
EPS Next 3YN/A
EPS Next 5YN/A
Revenue 1Y (TTM)N/A
Revenue growth 3YN/A
Revenue growth 5YN/A
Sales Q2Q%6.3%
Revenue Next Year6.92%
Revenue Next 2Y7.22%
Revenue Next 3YN/A
Revenue Next 5YN/A
EBIT growth 1Y0.34%
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 5 / 10 to ACIW.


What is the valuation status for ACIW stock?

ChartMill assigns a valuation rating of 6 / 10 to ACI WORLDWIDE INC (ACIW). This can be considered as Fairly Valued.


What is the profitability of ACIW stock?

ACI WORLDWIDE INC (ACIW) has a profitability rating of 7 / 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 16.2 and the Price/Book (PB) ratio is 2.77.