ACI Worldwide, Inc. ACIW
- Market cap
- $5.0B
- P/E
- 22.5×
Follow ACIW
Target Price Range
Analyst price targets
Free account| 2016 | 2017 | 2018 | 2019 | 2020 | 2021 | 2022 | 2023 | 2024 | 2025 | 2026 | 2027 | 2028 | |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| 15.07 | 18.20 | 20.23 | 25.12 | 20.03 | 28.39 | 19.68 | 19.56 | 28.79 | 40.45 |
Analyst estimates 2026–2028 Powerpack |
Low Price
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| 23.20 | 25.00 | 30.25 | 38.12 | 39.99 | 43.23 | 35.87 | 30.91 | 59.71 | 58.14 |
High Price
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| 4,111 | 3,979 | 3,807 | 4,018 | 3,768 | 3,610 | 3,349 | 3,212 | 3,103 | 2,930 |
Employees
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| 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 1 | 1 |
Revenue/Emp
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| 1,006 | 1,024 | 1,010 | 1,258 | 1,294 | 1,371 | 1,422 | 1,453 | 1,594 | 1,760 |
Revenue
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| 55.76% | 55.84% | 57.38% | 50.93% | 51.91% | 53.39% | 51.05% | 50.49% | 50.34% | 48.99% |
Gross Margin
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| 186 | 44 | 92 | 72 | 99 | 175 | 207 | 148 | 250 | 307 |
EBT
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| 18.45% | 4.25% | 9.09% | 5.74% | 7.62% | 12.77% | 14.53% | 10.16% | 15.71% | 17.43% |
EBT Margin
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| 130 | 5 | 69 | 67 | 73 | 128 | 142 | 122 | 203 | 227 |
Net Income
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| 109 | 107 | 102 | 143 | 169 | 149 | 143 | 138 | 124 | 109 |
Depreciation
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| 8.56 | 8.68 | 8.70 | 10.83 | 11.12 | 11.67 | 12.51 | 13.39 | 15.11 | 16.93 |
Revenue/Sh
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| 1.10 | 0.04 | 0.59 | 0.58 | 0.62 | 1.09 | 1.25 | 1.12 | 1.93 | 2.18 |
Earnings/Sh
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| 0.85 | 1.24 | 1.58 | 1.14 | 2.71 | 1.88 | 1.26 | 1.55 | 3.40 | 3.11 |
Cash Flow/Sh
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| 1.16 | (0.46) | (0.38) | (0.41) | (0.40) | (0.39) | (0.35) | (0.35) | (0.43) | (0.32) |
Capex/Sh
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| 2.01 | 0.78 | 1.21 | 0.73 | 2.30 | 1.49 | 0.91 | 1.21 | 2.97 | 2.78 |
Free CF/Sh
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| 6.42 | 6.48 | 9.03 | 9.73 | 10.37 | 10.60 | 10.49 | 12.21 | 13.50 | 14.61 |
Book Value/Sh
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| 118 | 118 | 116 | 116 | 116 | 117 | 114 | 108 | 105 | 104 |
Shares
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| 17.03 | 491.13 | 46.90 | 65.33 | 61.98 | 31.55 | 18.28 | 27.13 | 26.76 | 21.83 |
PE Ratio
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| 2.17 | 2.62 | 3.18 | 3.50 | 3.46 | 2.97 | 1.84 | 2.27 | 3.43 | 2.82 |
PS Ratio
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| 2.89 | 3.50 | 3.06 | 3.90 | 3.71 | 3.27 | 2.19 | 2.49 | 3.84 | 3.27 |
PB Ratio
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| 2.83 | 3.22 | 3.70 | 4.49 | 4.22 | 3.66 | 2.52 | 2.87 | 3.88 | 3.18 |
EV/Sales
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| 12.06 | 35.90 | 26.67 | 66.83 | 20.36 | 28.66 | 34.63 | 31.89 | 19.71 | 19.32 |
EV/FCF
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| 100 | 146 | 184 | 133 | 315 | 220 | 143 | 169 | 359 | 323 |
Op' Cash Flow
|
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| 136 | (54) | (44) | (48) | (47) | (45) | (40) | (38) | (45) | (33) |
Capex
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| 236 | 92 | 140 | 85 | 268 | 175 | 103 | 131 | 314 | 289 |
FCF
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| 32 | 100 | 270 | 308 | 249 | 183 | 256 | 369 | 388 | 383 |
Working Cap'
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| 744 | 686 | 672 | 1,373 | 1,155 | 1,066 | 1,090 | 1,038 | 925 | 818 |
Total Debt
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| 668 | 616 | 523 | 1,252 | 990 | 944 | 965 | 874 | 708 | 621 |
Net Debt
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| 755 | 765 | 1,048 | 1,130 | 1,207 | 1,245 | 1,193 | 1,324 | 1,424 | 1,519 |
Sh' Equity
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| 6.68% | 0.27% | 3.46% | 2.49% | 2.19% | 3.90% | 4.46% | 3.65% | 6.28% | 7.39% |
ROA
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| 9.71% | 3.83% | 5.01% | 3.25% | 4.12% | 5.99% | 5.90% | 6.27% | 9.03% | 9.63% |
ROIC
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| 18.38% | 0.68% | 7.60% | 6.16% | 6.22% | 10.43% | 11.66% | 9.65% | 14.78% | 15.40% |
ROE
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ACI Worldwide, Inc. peers in Software Infrastructure
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ACI Worldwide, Inc. (ACIW) key facts
- ACI Worldwide, Inc. (ACIW) is a Software Infrastructure company in the Technology sector, listed on Nasdaq.
- ACI Worldwide, Inc.’s revenue for fiscal 2025 (year ended December 2025) was $1.8 billion, up 10.4% from fiscal 2024.
- Net income was $226.7 million, or $2.18 per share (basic), a net margin of 12.9%.
- As of September 25, 2026, ACIW traded at $49.51, a market capitalization of $5.0 billion.
- At that price the stock trades at 22.5× trailing-twelve-month earnings and 2.8× sales.
- Return on equity was 15.4% and debt-to-equity 0.55.
ACI Worldwide, Inc. (ACIW) Latest News
24 Sep
Solaris, Germany’s fully licensed bank and Europe’s leading embedded finance platform, has gone live on ACI Worldwide’s cloud-native ACI Connetic platform to consolidate SEPA Instant payments. Completing the first phase of Solaris’ modernization, the move centralizes payments processing, orchestration, fraud prevention and payments intelligence in one system, enabling instant euro transfers that settle in seconds with onboard fraud checks. Solaris aims to scale with its ecosystem of fintechs, digital brands and multinationals, expanding Connetic across Europe as part of a longer-term platform strategy. Backed by SBI Group, Solaris intends to build pan-European financial infrastructure. ACI president and CEO Thomas Warsop said the deployment illustrates how banks rebuilding around instant payments need scalable platforms, while Solaris CEO Steffen Jentsch emphasized AI-driven, regulatory-resilient payment processes. The effort sets the stage for further growth as Solaris matures into a Financial-Platform-as-a-Service provider. Demonstrates platform traction with a major European bank, signaling potential for future revenue and broader European adoption of ACI Connetic.
23 Sep
ACI Worldwide extends its Connetic platform to support intelligent routing of Swift ledger transactions, unifying tokenised deposit payments with traditional payment types in a single cloud-native hub. The update leverages existing controls, workflows and infrastructure, so banks don’t need a separate operation for digital-asset processing. Swift's blockchain ledger, piloted by 17 banks across six continents, aims to move tokenised deposits cross-border and outside hours. Connetic will place these ledger transactions in the same environment banks already use to route, monitor, and reconcile payments. Craig Ramsey says digital assets should extend payment capabilities, not require a separate operation. The development follows a dLocal partnership and reinforces Connetic as a platform unifying rails, payments and controls across tokenised and traditional payments. Expands Connetic to integrate Swift ledger tokenised deposits, potentially boosting adoption and revenue opportunities.
22 Sep
ACI Worldwide expands its cloud-native payments hub, Connetic, to process transactions on Swift’s blockchain ledger alongside traditional payments. The integration lets banks manage tokenised deposits and conventional payments in one operating model using existing infrastructure, avoiding a separate digital-asset operation. Swift’s ledger, piloted by 17 banks across six continents, enables cross-border tokenised deposits beyond traditional hours. Connetic’s automated routing uses bank-defined rules to optimize speed, cost and availability across payment types, while leveraging current controls. ACI will demonstrate the capability at Sibos with live demos on Sept. 30. Expands tokenised-deposit capabilities within existing payments hub, signaling a meaningful step toward scalable digital-asset payments and broader bank adoption.
ACI Worldwide expands ACI Connetic to support payments orchestrated through Swift’s ledger, bringing tokenized deposits into the same cloud-native hub as traditional payments. Banks can process tokenized deposits and other payment types within a single operating model, using shared controls, workflows and infrastructure and avoiding a separate digital-asset operation. Swift’s ledger, piloted by 17 banks across six continents, enables cross-border tokenized deposits outside normal operating hours. ACI Connetic unifies payment types, rails and controls, automatically selecting clearing and settlement paths based on bank rules to balance speed, cost and availability with full visibility. The update addresses production-scale challenges for tokenized-payments and aims to enable mainstream adoption by running digital-asset and traditional payments on one platform. The company will showcase the capability at Sibos. Connetic unifies traditional and tokenized-payments on one platform, potentially expanding adoption and revenue from Swift-ledger workflows.
18 Sep
Nearly 60% of US adults cannot cover a $1,000 emergency expense, increasing demand for greater control and flexibility in bill payments according to the ACI Speedpay Pulse Report. ACI Speedpay report on consumer payment needs supports growth in bill management offerings and may lift market positioning.
17 Sep
ACI Worldwide expands ACI Connetic with advanced financial messaging technology to enable intelligent, future-ready payments. Product expansion strengthens ACI Worldwide's core payments platform and competitive positioning in financial messaging.
FIS secures core banking contract wins that signal expanded growth opportunities, creating competitive pressure on rivals including ACI Worldwide in financial technology markets. FIS core banking contract wins create moderate competitive pressure that may influence ACI Worldwide market positioning and performance.
2 Sep
ACI Worldwide, Inc. acquires a UK payments technology firm. Acquisition expands ACI's European payments market reach and technology capabilities.
1 Sep
ACI Worldwide acquires Cranium Ventures to integrate microservices card switching into ACI Connetic for Cards platform. Acquisition adds microservices card switching to ACI Connetic, strengthening product capabilities and competitive positioning.
27 Aug
ACI Worldwide research shows retailers rank richer payments data as the top benefit of payments orchestration. ACI's research highlights payments orchestration benefits and may strengthen its market positioning among retailers.
26 Aug
Federal Home Loan Bank of Atlanta selects ACI Connetic to modernize member payment operations. Contract adds revenue and validates ACI's payment platform but involves one regional bank without altering overall trajectory.
21 Aug
Inter Pag selects ACI Worldwide to advance intelligent payments orchestration in Brazil. New contract with Inter Pag expands ACI Worldwide's footprint in Brazilian payments but does not alter core trajectory.
6 Aug
ACI Worldwide Inc reported strong Q2 2026 growth and raised future guidance. Strong growth and raised guidance point to major positive shifts in financial trajectory and investor outlook.
ACI Worldwide reported strong second quarter 2026 results and raised full-year guidance. Strong quarterly results combined with raised annual guidance signal improved revenue outlook and positive market reaction.
ACI Worldwide Q2 earnings call covered quarterly financial results, revenue figures, operational updates and management outlook. Quarterly earnings provide financial metrics that may shift near-term investor views but rarely alter long-term company trajectory.
ACI Worldwide reported second-quarter earnings and revenues that surpassed analyst estimates. Q2 earnings and revenue beat signals better-than-expected financial results that can lift near-term investor sentiment and share price.
ACI Worldwide partners with dLocal, indicating the stock may be 11% undervalued. Partnership with dLocal adds incremental revenue potential without fundamentally shifting ACI Worldwide's trajectory.
5 Aug
APPS beat Q1 earnings and revenue estimates while raising fiscal 2027 guidance. Earnings outperformance combined with higher long-term guidance signals stronger financial results and positive investor sentiment.
30 Jul
ACI Worldwide (ACIW) earnings are expected to grow ahead of next week's release. Anticipation of earnings growth may moderately influence ACI Worldwide investor sentiment and short-term stock performance.
29 Jul
ACI Worldwide partners with dLocal to offer Latin American payment options. Partnership expands ACI Worldwide payment services reach into Latin America.
28 Jul
ACI Worldwide partners with dLocal to integrate Latin America's leading local payment methods for global merchants. Partnership expands ACI Worldwide payment solutions reach into Latin America.
16 Jun
ACI Worldwide enables Rabobank Wero instant payments rollout, supporting real-time payments expansion across Europe. Rabobank Wero deal expands ACI European instant payments reach with moderate revenue and positioning effects.
15 Jun
ACI Worldwide partners with EPI to enable instant payments across Europe. Partnership expands ACI Worldwide's European instant payments footprint and revenue potential.
ACI Worldwide partners with Wero Wallet, preserving the claim of 28.4% stock undervaluation. Wero Wallet partnership introduces moderate competitive and operational benefits for ACI Worldwide.
ACI Worldwide joins EPI and powers Wero Wallet integration, driving a 6.3% stock price gain. EPI partnership and Wero integration expand European reach with short-term market gains but limited long-term trajectory shift.
12 Jun
ACI Worldwide assumes a pivotal position in updating payment networks worldwide. ACIW's central involvement in payment network modernization signals major strategic positioning with strong potential to boost long-term growth and investor interest.
11 Jun
ACI Worldwide powers Kwik Payments go-live to expand next-generation PSP services across Africa. Africa PSP launch via Kwik Payments adds regional growth but lacks scale to shift ACI Worldwide's overall trajectory.
1 Jun
ACI Worldwide, Inc. reported Q1 2026 financial results and discussed operations, guidance and strategy during its earnings call. Quarterly earnings data supplies key metrics that shape near-term investor views and valuation.
14 May
ACI Worldwide partners with Security Bank Philippines to modernize enterprise-wide payments, setting a new industry benchmark. Enterprise-wide payments modernization deal with Security Bank Philippines validates ACIW's technology and expands its footprint in key markets.
9 May
ACI Worldwide, Inc. beat analyst estimates in recent results, with consensus forecasts projecting continued growth for the current year. Beating analyst estimates signals robust financial performance, likely enhancing investor sentiment and future stock trajectory.