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ACI Worldwide, Inc.

ACIW Technology Software Infrastructure

ACI Worldwide, Inc.’s revenue for fiscal 2025 (year ended December 2025) was $1.8 billion, up 10.4% from fiscal 2024.

Revenue
−11.5%
EPS
−63.6%
Free cash flow
+74.5%
Total debt
−5.86%

Quarter to September 2026, against a year earlier

59.28 0.09 +0.15%
Market cap
$6.0B
P/E
36.1×
Fwd P/E
21.6×
Dividend yield
—
F-score
7/9
Altman Z
3.77
Beneish M
−2.54
Dividend safety
n/a
Overview
Financials
Income Statement Balance Sheet Cash Flow Metrics & Ratios

Insider Decisions last twelve months

Bought, $m 0.22
Trades a month
Jan 26 Apr 26 Jul 26 Oct 26
Buy — — — 2 — — — — — — — —
Sell — — — — — — — — — — — —
Insider Ownership 1.79%

Capital & Financial Ratios $m

Size
Market Cap 6,010.00
Revenue ttm 1,764.58
Net income ttm 166.97
Free cash flow ttm 331.79
Net debt Q 598.18
Valuation
P/E 36.15 (above 35: high)
Forward P/E 21.60
Price / sales 3.39
Forward P/S Powerpack
Price / FCF 18.01
Price / book 4.00
Financial health
Current ratio Q 1.56 (at or above 1.5: strong)
Debt / equity Q 0.55
Interest coverage Q 4.17
Growth
Revenue growth Q −11.52% (below 0%: shrinking)
Operating income growth Q −59.00% (below 0%: shrinking)
EPS, this year +19.44% (at or above 15%: strong)
EPS, next year A +15.04% (at or above 15%: strong)
Revenue, next year A +8.37%
EPS, past 5 yrs +28.35% (at or above 15%: strong)
EPS, next 5 yrs A +15.41% (at or above 15%: strong)

Green and red mark values outside typical ranges; (Q) is the latest quarter, (A) analysts’ estimates. How we judge →

Valuation vs history

EV/Sales, ten years
EV/Sales is 3.7×, against a ten-year median of 3.3×; over the ten years it ranged from 2.2× in 2023 to 4.8× in 2019.
P/E against its own 10 years 56.55%
10-year low 10-year high
P/S against its own 10 years 84.05%
10-year low 10-year high
P/B against its own 10 years 95.12%
10-year low 10-year high
EV/Sales against its own 10 years 73.74%
10-year low 10-year high
EV/FCF against its own 10 years 20.79%
10-year low 10-year high

Dividends

Yield
—
Annual rate
—
Payout ratio
—

Assets vs Liabilities $m

2023 2024 2025 Q'26
Cash 164 216 196 219
Receivables 452 414 446 428
Inventory — — — —
Other 759 331 417 501
1,407 991 1,089 1,186
2023 2024 2025 Q'26
Payables 46 45 65 57
ST’ Debt 74 35 41 41
Other 803 391 470 539
1,037 603 706 761

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%

Earnings Trends EPS, adjusted, against the consensus

Q2 FY26 Estimate 0.51 Actual 0.54

Earnings per share against the consensus, by quarter
Quarter Estimate Reported Result
Q3 FY25 0.99 1.09 Beat by 0.10
Q4 FY25 1.05 0.90 Miss by 0.15
Q1 FY26 0.45 0.61 Beat by 0.16
Q2 FY26 0.51 0.54 Beat by 0.03
Q3 FY26 0.67 — Reports 5 November 2026

EPS $

Mar Jun Sep Dec Year
’26 0.37 0.31 0.32 — —
’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.

Revenue $m

Mar Jun Sep Dec Year
’26 426 430 427 — —
’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
Fiscal quarters ending in the months shown.

Operating Cash Flow $m

Mar Jun Sep Dec Year
’26 64 71 119 — —
’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
Fiscal quarters ending in the months shown.

Free Cash Flow $m

Mar Jun Sep Dec Year
’26 50 57 110 — —
’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
Fiscal quarters ending in the months shown.

Target Price Range

Analyst price targets

Recommendation Rating

1.6
1Buy 2 3Hold 4 5Sell

Ten years at a glance Fiscal years to December

Ten-year view Analyst estimates Powerpack
Group Line 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 TTM Sep ’26 Trend 10 yrs 2026e 2027e 2028e Next 3/yr
Income, $m
Income, $m Revenue 1,006 1,024 1,010 1,258 1,294 1,371 1,422 1,453 1,594 1,760 1,765 +6.4% 1,907 2,052 1,907 +2.7%
Gross margin, % 55.76 55.84 57.38 50.93 51.91 53.39 51.05 50.49 50.34 48.99 47.01 (6.8) pt
EBT 186 44 92 72 99 175 207 148 250 307 231 +5.7%
EBT margin, % 18.45 4.25 9.09 5.74 7.62 12.77 14.53 10.16 15.71 17.43 13.07 (1.0) pt
Net income 130 5 69 67 73 128 142 122 203 227 167 +6.4%
Per share, $
Per share, $ Revenue 8.56 8.68 8.70 10.83 11.12 11.67 12.51 13.39 15.11 16.93 17.50 +7.9%
Earnings 1.10 0.04 0.59 0.58 0.62 1.09 1.25 1.12 1.93 2.18 1.64 +7.9%
Cash flow 0.85 1.24 1.58 1.14 2.71 1.88 1.26 1.55 3.40 3.11 3.73 +15.5%
Capex 1.16 (0.46) (0.38) (0.41) (0.40) (0.39) (0.35) (0.35) (0.43) (0.32) (0.44) n/m
Free cash flow 2.01 0.78 1.21 0.73 2.30 1.49 0.91 1.21 2.97 2.78 3.29 +3.7%
Book value 6.42 6.48 9.03 9.73 10.37 10.60 10.49 12.21 13.50 14.61 14.81 +9.6%
Shares, m 118 118 116 116 116 117 114 108 105 104 102 (1.4%)
Valuation, ×
Valuation, × P/E 17.03 491.13 46.90 65.33 61.98 31.55 18.28 27.13 26.76 21.83 36.15 80.8
P/S 2.17 2.62 3.18 3.50 3.46 2.97 1.84 2.27 3.43 2.82 3.39 2.8
P/B 2.89 3.50 3.06 3.90 3.71 3.27 2.19 2.49 3.84 3.27 4.00 3.2
EV/Sales 2.83 3.22 3.70 4.49 4.22 3.66 2.52 2.87 3.88 3.18 3.73 3.5
EV/FCF 12.06 35.90 26.67 66.83 20.36 28.66 34.63 31.89 19.71 19.32 19.82 29.6
Cash, $m
Cash, $m Operating cash flow 100 146 184 133 315 220 143 169 359 323 376 +13.9%
Capex 136 (54) (44) (48) (47) (45) (40) (38) (45) (33) (44) n/m
Free cash flow 236 92 140 85 268 175 103 131 314 289 332 +2.3%
Balance, $m
Balance, $m Working capital 32 100 270 308 249 183 256 369 388 383 425 +32.0%
Net debt 668 616 523 1,252 990 944 965 874 708 621 598 (0.8%)
Shareholders’ equity 755 765 1,048 1,130 1,207 1,245 1,193 1,324 1,424 1,519 1,493 +8.1%
Returns, %
Returns, % ROA 6.68 0.27 3.46 2.49 2.19 3.90 4.46 3.65 6.28 7.39 5.31 +0.7 pt
ROIC 9.71 3.83 5.01 3.25 4.12 5.99 5.90 6.27 9.03 9.63 7.87 (0.1) pt
ROE 18.38 0.68 7.60 6.16 6.22 10.43 11.66 9.65 14.78 15.40 11.23 (3.0) pt
People
People Employees 4,111 3,979 3,807 4,018 3,768 3,610 3,349 3,212 3,103 2,930 — (3.7%)
Revenue/emp, $m 0.24 0.26 0.27 0.31 0.34 0.38 0.42 0.45 0.51 0.60 — +10.5%
Negative figures in brackets.
estimates

All 10 years →

Fiscal years to Dec 2025 · latest quarter Sep 2026 · fundamentals updated 5 Nov 2026

ACI Worldwide, Inc. vs peers in Software Infrastructure (Q) = latest quarter vs a year earlier

Company Market cap P/E Fwd P/E Revenue growth (Q) EPS growth (Q) FCF growth (Q) Gross margin (Q) EBIT margin (Q) Compare
PATH UiPath, Inc. $6.8B 19.5× 35.1× +13.42% (above 0%: growing) +2,233.33% (above 0%: growing) −29.52% (below 0%: shrinking) 80.36% 7.70% Compare
ACIW ACI Worldwide, Inc. $6.0B 36.1× 21.6× −11.52% (below 0%: shrinking) −63.64% (below 0%: shrinking) +74.53% (above 0%: growing) 45.78% 12.27%
BOX Box, Inc. $6.0B 60.7× 109× +9.23% (above 0%: growing) +66.67% (above 0%: growing) +65.84% (above 0%: growing) 79.08% 10.16% Compare
WEX WEX Inc. $5.9B 15.3× 14.8× +12.76% (above 0%: growing) +69.05% (above 0%: growing) −117.04% (below 0%: shrinking) 63.16% 30.61% Compare
MBGL Mobility Global Inc. $5.9B — — — — — 71.37% 17.52% Compare
VRNS Varonis Systems, Inc. $5.6B — (loss-making) — (loss-making) +17.26% (above 0%: growing) n/m −10.99% (below 0%: shrinking) 75.25% (25.18%) Compare
BB BlackBerry Limited $4.9B 62.9× 60.2× +26.00% (above 0%: growing) +200.00% (above 0%: growing) +1,470.59% (above 0%: growing) 77.83% 20.58% Compare
TENB Tenable Holdings, Inc. $4.6B 333× 222× +9.49% (above 0%: growing) +400.00% (above 0%: growing) +24.39% (above 0%: growing) 77.81% 6.05% Compare
RELY Remitly Global, Inc. $4.6B 12.5× 16.3× +21.54% (above 0%: growing) +700.00% (above 0%: growing) +197.33% (above 0%: growing) 0.00% 13.61% Compare
Median of peers $5.7B 40.1× 47.7× +13.42% +300.00% +24.39% 76.53% 11.89%

All 183 Software Infrastructure stocks →

Pay and ownership Proxy statement filed 20 April 2026

Ownership

Directors and executive officers, together 1.20%
BlackRock, Inc. 16.00%
The Vanguard Group, Inc. 13.60%
Ownership is the proxy’s own table: the directors and officers as a group, and every holder of 5% or more. Read the proxy statement

ACI Worldwide, Inc. (ACIW) Latest News

5 Nov

Impact 3 · · Moby
Impact 3 · · The Motley Fool transcript
Impact 3 · · MarketBeat
Impact 3 · · InvestorsHub
Impact 3 · · Business Wire

28 Oct

Impact 3 · · Simply Wall St.
Impact 3 · · electronicpaymentsinternational.com

27 Oct

Impact 4 · · decrypt.co
Impact 4 · · Stocktwits
Impact 3 · · Zacks

23 Oct

Impact 3 · · Zacks

22 Oct

Impact 3 · · Business Wire

20 Oct

Impact 3 · · Simply Wall St.

30 Sep

Impact 3 ·

28 Sep

Impact 3 · · InvestorsHub
Impact 3 · · Business Wire

27 Sep

Impact 4 · · Simply Wall St.

24 Sep

Impact 4 · · Business Wire

23 Sep

Impact 4 · · electronicpaymentsinternational.com

22 Sep

Impact 4 · · InvestorsHub
Impact 4 · · Business Wire

18 Sep

Impact 3 ·

17 Sep

Impact 4 ·
Impact 3 ·

2 Sep

Impact 4 · · paymentsdive.com

1 Sep

Impact 4 ·

27 Aug

Impact 3 ·

26 Aug

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21 Aug

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6 Aug

Impact 4 ·

ACIW metrics, ten years each

stockrow.com/ACIW · Data as of Nov 5, 2026 · For information only; not investment advice. · © 2026 stockrow.com