ACI WORLDWIDE INC (ACIW) Fundamental Analysis & Valuation

NASDAQ:ACIW • US0044981019

Current stock price

41.33 USD
+0.37 (+0.9%)
At close:
41.33 USD
0 (0%)
After Hours:

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

  • In the past year ACIW was profitable.
  • ACIW had a positive operating cash flow in the past year.
  • Each year in the past 5 years ACIW has 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

  • ACIW has a Return On Assets of 7.30%. This is in the better half of the industry: ACIW outperforms 80.00% of its industry peers.
  • ACIW has a Return On Equity of 14.92%. This is amongst the best in the industry. ACIW outperforms 81.09% of its industry peers.
  • ACIW has a Return On Invested Capital of 11.03%. This is amongst the best in the industry. ACIW outperforms 86.91% of its industry peers.
  • Measured over the past 3 years, the Average Return On Invested Capital for ACIW is in line with the industry average of 10.93%.
  • 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 better Profit Margin (12.88%) than 77.09% 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.
  • With a Gross Margin value of 48.99%, ACIW is not doing good in the industry: 70.18% of the companies in the same industry are doing better.
  • In the last couple of years the Gross Margin of ACIW has remained more or less at the same level.
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

  • The Return on Invested Capital (ROIC) is just above the Cost of Capital (WACC), so ACIW is still creating some value.
  • Compared to 1 year ago, ACIW has less shares outstanding
  • Compared to 5 years ago, ACIW has less shares outstanding
  • Compared to 1 year ago, ACIW has an improved debt to assets ratio.
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

  • ACIW has an Altman-Z score of 3.49. This indicates that ACIW is financially healthy and has little risk of bankruptcy at the moment.
  • ACIW has a Altman-Z score of 3.49. This is in the better half of the industry: ACIW outperforms 70.18% of its industry peers.
  • The Debt to FCF ratio of ACIW is 2.82, which is a good value as it means it would take ACIW, 2.82 years of fcf income to pay off all of its debts.
  • ACIW has a Debt to FCF ratio of 2.82. This is in the better half of the industry: ACIW outperforms 62.55% of its industry peers.
  • A Debt/Equity ratio of 0.51 indicates that ACIW is somewhat dependend on debt financing.
  • With a Debt to Equity ratio value of 0.51, ACIW is not doing good in the industry: 65.82% of the companies in the same industry are doing better.
Industry RankSector Rank
Debt/Equity 0.51
Debt/FCF 2.82
Altman-Z 3.49
ROIC/WACC1.01
WACC10.97%
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.
  • ACIW has a Current ratio of 1.54. This is comparable to the rest of the industry: ACIW outperforms 46.18% of its industry peers.
  • A Quick Ratio of 1.54 indicates that ACIW should not have too much problems paying its short term obligations.
  • Looking at the Quick ratio, with a value of 1.54, ACIW is in line with its industry, outperforming 46.91% 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

  • ACIW shows a strong growth in Earnings Per Share. In the last year, the EPS has been growing by 13.02%, which is quite good.
  • ACIW shows a strong growth in Earnings Per Share. Measured over the last years, the EPS has been growing by 29.32% yearly.
  • The Revenue has grown by 10.38% in the past year. This is quite good.
  • Measured over the past years, ACIW shows a small growth in Revenue. The Revenue has been growing by 6.34% on average per year.
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

  • ACIW is expected to show quite a strong growth in Earnings Per Share. In the coming years, the EPS will grow by 19.47% yearly.
  • The Revenue is expected to grow by 7.98% on average over the next years.
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.
  • When comparing the Revenue growth rate of the last years to the growth rate of the upcoming years, we see that the growth is accelerating.
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

  • Based on the Price/Earnings ratio of 19.05, the valuation of ACIW can be described as rather expensive.
  • Compared to the rest of the industry, the Price/Earnings ratio of ACIW indicates a somewhat cheap valuation: ACIW is cheaper than 72.36% of the companies listed in the same industry.
  • ACIW's Price/Earnings ratio indicates a valuation a bit cheaper than the S&P500 average which is at 25.60.
  • ACIW is valuated correctly with a Price/Forward Earnings ratio of 15.08.
  • Based on the Price/Forward Earnings ratio, ACIW is valued a bit 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 22.84.
Industry RankSector Rank
PE 19.05
Fwd PE 15.08
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

  • Based on the Enterprise Value to EBITDA ratio, ACIW is valued cheaper than 85.09% of the companies in the same industry.
  • ACIW's Price/Free Cash Flow ratio is rather cheap when compared to the industry. ACIW is cheaper than 81.45% of the companies in the same industry.
Industry RankSector Rank
P/FCF 14.52
EV/EBITDA 11.01
ACIW Per share dataACIW EPS, Sales, OCF, FCF, BookValue per sharePer Share Data Per Share 5 10 15

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.
  • The excellent profitability rating of ACIW may justify a higher PE ratio.
  • ACIW's earnings are expected to grow with 19.47% in the coming years. This may justify a more expensive valuation.
PEG (NY)0.72
PEG (5Y)0.65
EPS Next 2Y19.47%
EPS Next 3YN/A

More info and screens

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

0

5. ACIW Dividend Analysis

5.1 Amount

  • No dividends for ACIW!.
Industry RankSector Rank
Dividend Yield 0%

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Find the best dividend stocksShow peers with best dividend

ACIW Fundamentals: All Metrics, Ratios and Statistics

ACI WORLDWIDE INC

NASDAQ:ACIW (4/2/2026, 8:06:52 PM)

After market: 41.33 0 (0%)

41.33

+0.37 (+0.9%)

Chartmill FA Rating
GICS IndustryGroupSoftware & Services
GICS IndustrySoftware
Earnings (Last)02-26
Earnings (Next)05-06
Inst Owners102.56%
Inst Owner Change-3.56%
Ins Owners0.49%
Ins Owner Change2.5%
Market Cap4.20B
Revenue(TTM)1.76B
Net Income(TTM)226.66M
Analysts84.62
Price Target64.44 (55.92%)
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)23.85%
EPS NQ rev (3m)21.97%
EPS NY rev (1m)5.36%
EPS NY rev (3m)4.89%
Revenue NQ rev (1m)3.62%
Revenue NQ rev (3m)1.73%
Revenue NY rev (1m)1.53%
Revenue NY rev (3m)6.22%
Valuation
Industry RankSector Rank
PE 19.05
Fwd PE 15.08
P/S 2.39
P/FCF 14.52
P/OCF 13.02
P/B 2.77
P/tB 66.35
EV/EBITDA 11.01
EPS(TTM)2.17
EY5.25%
EPS(NY)2.74
Fwd EY6.63%
FCF(TTM)2.85
FCFY6.89%
OCF(TTM)3.17
OCFY7.68%
SpS17.3
BVpS14.93
TBVpS0.62
PEG (NY)0.72
PEG (5Y)0.65
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 3.49
F-Score7
WACC10.97%
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.