ACI Worldwide, Inc. ACIW

49.51 (0.11) (0.22%) as of 25 Sep
Market cap
$5.0B
P/E
22.5×
Growth Flags show if company had growth for consecutive years,
Insider Buys alert about insiders buying in the last 12 month

Insider Decisions

Total buys 0.22
Total sells 0.20
in millions of $
Nov 25 Feb 26 May 26 Aug 26
Buy — — — — — 2 — — — — — —
Sell — 1 — — — — — — — — — —
Insider Ownership 2.45%

Capital & Financial Ratios

Market Cap 5,010.00
Revenue 1,820.13
Net Income 225.69
Free Cash Flow 284.74
Net Debt 654.78
Current Ratio 1.58
Debt/Equity 0.55
P/E ratio 22.50
P/S ratio 2.76
P/B ratio 3.36
Past 5Y EPS Growth 27.52%
This Y EPS Growth 19.91%
Next Y EPS Growth 13.51%
Next 5Y EPS Growth 14.24%
in millions of $

Dividends

Payout Ratio 0.00
Annual Dividend Rate —
Annual Dividend Yield —
total individual payouts
2023 Powerpack
2022 Powerpack
2021 Powerpack
2020 Powerpack
2019 Powerpack
2017 Powerpack
predictions in italic, special payouts not included in total or ratios

Assets vs Liabilities

2023 2024 2025 Q'26
Cash 164 216 196 167
Receivables 452 414 446 459
Inventory — — — —
Other 759 331 417 474
1,407 991 1,089 1,144
2023 2024 2025 Q'26
Payables 46 45 65 66
ST’ Debt 74 35 41 41
Other 803 391 470 502
1,037 603 706 723
in millions of $

Compound Annual Growth

10y 5y 3y
Sales 5.34% 6.34% 7.37%
Cash Flow 5.56% 0.50% 31.07%
Earnings 10.25% 25.55% 16.82%
Book Value 8.79% 4.71% 8.38%

Revenue

Mar Jun Sep Dec Year
’26 426 430 — — —
’25 395 401 482 482 1,760
’24 316 373 452 453 1,594
’23 290 323 363 477 1,453
’22 323 340 307 452 1,422
’21 285 302 317 467 1,371
’20 291 300 316 387 1,294
in millions of $ · fiscal quarters ending in the months shown

Operating Cash Flow

Mar Jun Sep Dec Year
’26 64 71 — — —
’25 78 50 73 122 323
’24 123 55 54 126 359
’23 40 17 25 86 169
’22 29 39 34 41 143
’21 70 35 39 76 220
’20 58 68 67 123 315
in millions of $ · fiscal quarters ending in the months shown

Free Cash Flow

Mar Jun Sep Dec Year
’26 50 57 — — —
’25 69 42 63 115 289
’24 105 49 46 113 314
’23 31 7 14 78 131
’22 20 33 22 28 103
’21 57 24 30 64 175
’20 47 52 57 112 268
in millions of $ · fiscal quarters ending in the months shown

EPS

Mar Jun Sep Dec Year
’26 0.37 0.31 — — —
’25 0.55 0.12 0.88 0.62 2.16
’24 (0.07) 0.29 0.77 0.93 1.91
’23 (0.30) (0.06) 0.35 1.12 1.12
’22 0.13 0.12 0.20 0.81 1.24
’21 (0.02) 0.05 0.12 0.93 1.08
’20 (0.21) 0.12 0.13 0.56 0.62
fiscal quarters ending in the months shown

Target Price Range

Analyst price targets

Recommendation Rating

1.4
1Buy 2 3Hold 4 5Sell
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
23.20 25.00 30.25 38.12 39.99 43.23 35.87 30.91 59.71 58.14
High Price
4,111 3,979 3,807 4,018 3,768 3,610 3,349 3,212 3,103 2,930
Employees
0 0 0 0 0 0 0 0 1 1
Revenue/Emp
1,006 1,024 1,010 1,258 1,294 1,371 1,422 1,453 1,594 1,760
Revenue
55.76% 55.84% 57.38% 50.93% 51.91% 53.39% 51.05% 50.49% 50.34% 48.99%
Gross Margin
186 44 92 72 99 175 207 148 250 307
EBT
18.45% 4.25% 9.09% 5.74% 7.62% 12.77% 14.53% 10.16% 15.71% 17.43%
EBT Margin
130 5 69 67 73 128 142 122 203 227
Net Income
109 107 102 143 169 149 143 138 124 109
Depreciation
8.56 8.68 8.70 10.83 11.12 11.67 12.51 13.39 15.11 16.93
Revenue/Sh
1.10 0.04 0.59 0.58 0.62 1.09 1.25 1.12 1.93 2.18
Earnings/Sh
0.85 1.24 1.58 1.14 2.71 1.88 1.26 1.55 3.40 3.11
Cash Flow/Sh
1.16 (0.46) (0.38) (0.41) (0.40) (0.39) (0.35) (0.35) (0.43) (0.32)
Capex/Sh
2.01 0.78 1.21 0.73 2.30 1.49 0.91 1.21 2.97 2.78
Free CF/Sh
6.42 6.48 9.03 9.73 10.37 10.60 10.49 12.21 13.50 14.61
Book Value/Sh
118 118 116 116 116 117 114 108 105 104
Shares
17.03 491.13 46.90 65.33 61.98 31.55 18.28 27.13 26.76 21.83
PE Ratio
2.17 2.62 3.18 3.50 3.46 2.97 1.84 2.27 3.43 2.82
PS Ratio
2.89 3.50 3.06 3.90 3.71 3.27 2.19 2.49 3.84 3.27
PB Ratio
2.83 3.22 3.70 4.49 4.22 3.66 2.52 2.87 3.88 3.18
EV/Sales
12.06 35.90 26.67 66.83 20.36 28.66 34.63 31.89 19.71 19.32
EV/FCF
100 146 184 133 315 220 143 169 359 323
Op' Cash Flow
136 (54) (44) (48) (47) (45) (40) (38) (45) (33)
Capex
236 92 140 85 268 175 103 131 314 289
FCF
32 100 270 308 249 183 256 369 388 383
Working Cap'
744 686 672 1,373 1,155 1,066 1,090 1,038 925 818
Total Debt
668 616 523 1,252 990 944 965 874 708 621
Net Debt
755 765 1,048 1,130 1,207 1,245 1,193 1,324 1,424 1,519
Sh' Equity
6.68% 0.27% 3.46% 2.49% 2.19% 3.90% 4.46% 3.65% 6.28% 7.39%
ROA
9.71% 3.83% 5.01% 3.25% 4.12% 5.99% 5.90% 6.27% 9.03% 9.63%
ROIC
18.38% 0.68% 7.60% 6.16% 6.22% 10.43% 11.66% 9.65% 14.78% 15.40%
ROE
predictions in italic, sparklines do not include predictions

All 10 years →

Fiscal years to Dec 2025 · latest quarter Jun 2026

ACI Worldwide, Inc. peers in Software Infrastructure

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VRNS Varonis Systems, Inc. $5.5B 0.0× Compare
RELY Remitly Global, Inc. $4.5B 14.8× Compare
BOX Box, Inc. $4.4B 43.6× Compare
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CORZ Core Scientific, Inc. $5.9B 0.0× Compare
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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.

Source: company filings (standardised) and stockrow calculations.

ACI Worldwide, Inc. (ACIW) Latest News

News by impact score

Fine-tune

24 Sep

4

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

4

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

4

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.

4

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

3

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

4

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.

3

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

4

ACI Worldwide, Inc. acquires a UK payments technology firm. Acquisition expands ACI's European payments market reach and technology capabilities.

1 Sep

4

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

3

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

3

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

3

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

4

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.

4

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.

3 transcript

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.

3

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.

3

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

4

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

3

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

3

ACI Worldwide partners with dLocal to offer Latin American payment options. Partnership expands ACI Worldwide payment services reach into Latin America.

28 Jul

3

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

3

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

4

ACI Worldwide partners with EPI to enable instant payments across Europe. Partnership expands ACI Worldwide's European instant payments footprint and revenue potential.

3

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.

3

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

4

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

3

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

3 transcript

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

4

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

4

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.

stockrow.com/ACIW · Data as of Jun 30, 2026 · For information only; not investment advice. · © 2026 stockrow.com