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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. In the quarter to June 2026, revenue grew 7.27%, EPS grew 158.3%, free cash flow grew 35.1% and total debt fell 8.45%, each against the same quarter a year earlier. Revenue growth for five consecutive years; insiders bought in the last twelve months.

52.80 0.25 +0.48%
Market cap
$5.3B
P/E
24.0×
Fwd P/E
17.0×
Dividend yield
—
F-score
7/9
Altman Z
3.77
Beneish M
−2.54
Dividend safety
n/a
Overview Business Profile Financial Analysis Income Statement Balance Sheet Cash Flow Metrics & Ratios 10-Q 10-K

Insider Decisions trades per month

Total buys 0.22
Total sells 0.20
Totals in millions of $.
Dec 25 Mar 26 Jun 26 Sep 26
Buy — — — — 2 — — — — — — —
Sell 1 — — — — — — — — — — —
Insider Ownership 2.45%

Capital & Financial Ratios $m

Market Cap 5,310.00
Revenue 1,820.13
Net Income 225.69
Free Cash Flow 284.74
Net Debt 654.78
Current Ratio 1.58 (at or above 1.5: strong)
Debt/Equity 0.55
P/E ratio 24.00
Fwd P/E 17.00
P/S ratio 2.94
P/B ratio 3.58
Past 5Y EPS Growth 28.35% (at or above 15%: strong)
This Y EPS Growth 21.02% (at or above 15%: strong)
Next Y EPS Growth 14.15%
Next Y revenue growth 8.25%
Next 5Y EPS Growth 14.24%

Green and red mark values outside typical ranges. How we judge →

Valuation vs history

EV/Sales, ten years
EV/Sales is 3.3×, 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 34.01%
10-year low 10-year high
P/S against its own 10 years 65.65%
10-year low 10-year high
P/B against its own 10 years 74.97%
10-year low 10-year high
EV/Sales against its own 10 years 53.48%
10-year low 10-year high
EV/FCF against its own 10 years 31.37%
10-year low 10-year high

Dividends

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

Assets vs Liabilities $m

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

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 $m

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
Fiscal quarters ending in the months shown.

Operating Cash Flow $m

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
Fiscal quarters ending in the months shown.

Free Cash Flow $m

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
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

1.6
1Buy 2 3Hold 4 5Sell

Ten years at a glance Fiscal years to December

Group Line 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 Trend 2026e 2027e 2028e
Price, $
Price, $ Low 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
High 23.20 25.00 30.25 38.12 39.99 43.23 35.87 30.91 59.71 58.14
People
People Employees 4,111 3,979 3,807 4,018 3,768 3,610 3,349 3,212 3,103 2,930
Revenue/emp, $m 0.24 0.26 0.27 0.31 0.34 0.38 0.42 0.45 0.51 0.60
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
Gross margin, % 55.76 55.84 57.38 50.93 51.91 53.39 51.05 50.49 50.34 48.99
EBT 186 44 92 72 99 175 207 148 250 307
EBT margin, % 18.45 4.25 9.09 5.74 7.62 12.77 14.53 10.16 15.71 17.43
Net income 130 5 69 67 73 128 142 122 203 227
Depreciation 109 107 102 143 169 149 143 138 124 109
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
Earnings 1.10 0.04 0.59 0.58 0.62 1.09 1.25 1.12 1.93 2.18
Cash flow 0.85 1.24 1.58 1.14 2.71 1.88 1.26 1.55 3.40 3.11
Capex 1.16 (0.46) (0.38) (0.41) (0.40) (0.39) (0.35) (0.35) (0.43) (0.32)
Free cash flow 2.01 0.78 1.21 0.73 2.30 1.49 0.91 1.21 2.97 2.78
Book value 6.42 6.48 9.03 9.73 10.37 10.60 10.49 12.21 13.50 14.61
Shares, m 118 118 116 116 116 117 114 108 105 104
Valuation, ×
Valuation, × P/E 17.03 491.13 46.90 65.33 61.98 31.55 18.28 27.13 26.76 21.83
P/S 2.17 2.62 3.18 3.50 3.46 2.97 1.84 2.27 3.43 2.82
P/B 2.89 3.50 3.06 3.90 3.71 3.27 2.19 2.49 3.84 3.27
EV/Sales 2.83 3.22 3.70 4.49 4.22 3.66 2.52 2.87 3.88 3.18
EV/FCF 12.06 35.90 26.67 66.83 20.36 28.66 34.63 31.89 19.71 19.32
Cash, $m
Cash, $m Operating cash flow 100 146 184 133 315 220 143 169 359 323
Capex 136 (54) (44) (48) (47) (45) (40) (38) (45) (33)
Free cash flow 236 92 140 85 268 175 103 131 314 289
Balance, $m
Balance, $m Working capital 32 100 270 308 249 183 256 369 388 383
Total debt 744 686 672 1,373 1,155 1,066 1,090 1,038 925 818
Net debt 668 616 523 1,252 990 944 965 874 708 621
Shareholders’ equity 755 765 1,048 1,130 1,207 1,245 1,193 1,324 1,424 1,519
Returns, %
Returns, % ROA 6.68 0.27 3.46 2.49 2.19 3.90 4.46 3.65 6.28 7.39
ROIC 9.71 3.83 5.01 3.25 4.12 5.99 5.90 6.27 9.03 9.63
ROE 18.38 0.68 7.60 6.16 6.22 10.43 11.66 9.65 14.78 15.40
Negative figures in brackets.

All 10 years →

Fiscal years to Dec 2025 · latest quarter Jun 2026

Charts ten years each

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
WEX WEX Inc. $6.2B 17.9× 12.5× +14.24% (above 0%: growing) +58.08% (above 0%: growing) −152.65% (below 0%: shrinking) 61.54% 26.94% Compare
VRNS Varonis Systems, Inc. $5.4B — (loss-making) — (loss-making) +18.31% (above 0%: growing) n/m +15.62% (above 0%: growing) 75.27% (22.57%) Compare
BOX Box, Inc. $5.4B 54.9× 64.3× +9.23% (above 0%: growing) +66.67% (above 0%: growing) +65.84% (above 0%: growing) 79.08% 10.16% Compare
ACIW ACI Worldwide, Inc. $5.3B 24.0× 17.0× +7.27% (above 0%: growing) +158.33% (above 0%: growing) +35.07% (above 0%: growing) 42.18% 10.37%
RELY Remitly Global, Inc. $5.2B 16.7× 28.8× +20.23% (above 0%: growing) +3,166.67% (above 0%: growing) +197.33% (above 0%: growing) 62.07% 13.47% Compare
BB BlackBerry Limited $5.1B 59.9× 67.1× +26.00% (above 0%: growing) +200.00% (above 0%: growing) +1,470.59% (above 0%: growing) 77.83% 20.58% Compare
BLSH Bullish $4.8B — (loss-making) — (loss-making) −44.34% (below 0%: shrinking) n/m +2.25% (above 0%: growing) 0.25% (0.87%) Compare
CORZ Core Scientific, Inc. $4.6B — (loss-making) — (loss-making) +108.83% (above 0%: growing) n/m −852.12% (below 0%: shrinking) 42.66% (47.79%) Compare
TENB Tenable Holdings, Inc. $4.3B 701× 245× +8.58% (above 0%: growing) n/m +4.67% (above 0%: growing) 77.53% 4.61% Compare
Median of peers $5.2B 54.9× 64.3× +16.28% +133.34% +10.15% 68.67% 7.39%

All 173 Software Infrastructure stocks →

ACI Worldwide, Inc. (ACIW) key facts

  • Strength: ACI Worldwide, Inc.’s revenue for fiscal 2025 (year ended December 2025) was $1.8 billion, up 10.4% from fiscal 2024.
  • ACI Worldwide, Inc. (ACIW) is a Software Infrastructure company in the Technology sector, listed on Nasdaq.
  • As of October 16, 2026, ACIW traded at $52.80, a market capitalization of $5.3 billion.
  • Return on equity was 15.4% and debt-to-equity 0.55.
  • Its Piotroski F-score is 7 out of 9 and its Altman Z-score is 3.77 (safe zone) for fiscal 2025.

Source: company filings (standardised) and stockrow calculations.

ACI Worldwide, Inc. (ACIW) Latest News

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