43.49 USD
-1.98 (-4.35%)
43.49 USD
0 (0%)
We assign a fundamental rating of 6 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 scores decently on growth, while it is valued quite cheap. This could make an interesting combination. With these ratings, ACIW could be worth investigating further for value investing!.
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.
- In the past 5 years ACIW has always been profitable.
- In the past 5 years ACIW always reported a positive cash flow from operatings.
1.2 Ratios
- With an excellent Return On Assets value of 8.25%, ACIW belongs to the best of the industry, outperforming 80.80% of the companies in the same industry.
- ACIW has a better Return On Equity (17.64%) than 85.51% of its industry peers.
- ACIW has a better Return On Invested Capital (12.16%) than 88.04% of its industry peers.
- ACIW had an Average Return On Invested Capital over the past 3 years of 8.48%. This 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
- ACIW's Profit Margin of 15.07% is fine compared to the rest of the industry. ACIW outperforms 77.54% of its industry peers.
- ACIW's Profit Margin has improved in the last couple of years.
- With an excellent Operating Margin value of 20.83%, ACIW belongs to the best of the industry, outperforming 86.96% of the companies in the same industry.
- In the last couple of years the Operating Margin of ACIW has grown nicely.
- The Gross Margin of ACIW (49.67%) is worse 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
- 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.
- The debt/assets ratio for ACIW is higher compared to a year ago.
2.2 Solvency
- ACIW has an Altman-Z score of 3.47. This indicates that ACIW is financially healthy and has little risk of bankruptcy at the moment.
- The Altman-Z score of ACIW (3.47) is better than 65.58% 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.
- With a Debt to Equity ratio value of 0.56, ACIW is not doing good in the industry: 67.03% of the companies in the same industry are doing better.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.56 | ||
| Debt/FCF | 3.02 | ||
| Altman-Z | 3.47 |
ROIC/WACC1.1
WACC11.07%
2.3 Liquidity
- A Current Ratio of 1.58 indicates that ACIW should not have too much problems paying its short term obligations.
- The Current ratio of ACIW (1.58) is comparable to the rest of the industry.
- A Quick Ratio of 1.58 indicates that ACIW should not have too much problems paying its short term obligations.
- ACIW's Quick ratio of 1.58 is in line compared to the rest of the industry. ACIW outperforms 48.55% of its industry peers.
| 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.
- ACIW shows a strong growth in Earnings Per Share. Measured over the last years, the EPS has been growing by 27.49% yearly.
- The Revenue has been growing slightly by 7.01% in the past year.
- 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
- 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 stable: in the next years the growth will be about the same than in the last years.
4. Valuation
4.1 Price/Earnings Ratio
- Based on the Price/Earnings ratio of 17.54, the valuation of ACIW can be described as rather expensive.
- ACIW's Price/Earnings ratio is a bit cheaper when compared to the industry. ACIW is cheaper than 76.45% of the companies in the same industry.
- When comparing the Price/Earnings ratio of ACIW to the average of the S&P500 Index (27.54), we can say ACIW is valued slightly cheaper.
- The Price/Forward Earnings ratio is 16.65, which indicates a correct valuation of ACIW.
- 79.35% of the companies in the same industry are more expensive than ACIW, based on the Price/Forward Earnings ratio.
- The average S&P500 Price/Forward Earnings ratio is at 24.31. ACIW is valued slightly cheaper when compared to this.
| 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 cheaper than 85.51% of the companies 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 84.06% of the companies listed in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 15.58 | ||
| EV/EBITDA | 11.45 |
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 15.12% in the coming years.
PEG (NY)0.7
PEG (5Y)0.64
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% |
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 | 11.45 |
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 | 3.47 |
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.