
ACI Worldwide, Inc.
ACIWNASDAQTechnologySoftware - Infrastructure
Previous close
$51.86
+$0.29 · +0.56%
ACIW company overview
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GoAI snapshot
AI-powered factor overview
GoAI score
Buy
Favorable setup — positive multi-factor alignment
Valuation
80
Undervalued
Momentum
64
Gaining
Sentiment
59
Mixed
Risk resilience
72
Moderate Risk
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Company profile
Company websiteACI Worldwide, Inc. operates as a global software enterprise, specializing in the development, distribution, implementation, and ongoing support of digital payment solutions. These sophisticated offerings cater to the diverse needs of banks, merchants, and billing organizations worldwide. The company boasts an extensive portfolio of specialized platforms, which includes: ACI Acquiring: A merchant management system engineered to foster digital innovation, bolster fraud prevention, and help reduce interchange fees. ACI Issuing: A robust solution for the digital issuance of payments. ACI Enterprise Payments Platform: Delivers advanced capabilities for the processing and orchestration of digital payments. Real-Time Payments Solutions: This category features ACI Low Value Real-Time Payments for standard real-time transactions, and ACI High Value Real-Time Payments, a powerful engine supporting multi-bank, multi-currency, 24/7 payment processing, complete with SWIFT messaging integration. ACI Omni Commerce: A scalable platform designed for comprehensive omni-channel payment processing. ACI Secure eCommerce: A dedicated solution ensuring the security of online transactions. ACI Fraud Management: Employs a real-time methodology for effective fraud detection and prevention. ACI Digital Business Banking: A cloud-based platform offering modern digital banking services. ACI Speedpay: An integrated suite providing digital billing, payment, disbursement, and communication services. Beyond its core software products, ACI Worldwide provides electronic bill presentment and payment services to a broad array of sectors, including consumer finance, insurance, healthcare, higher education, utilities, government, and mortgage. The company also offers essential support services such as implementation (encompassing product installation, configuration, and tailored software modifications), along with business and technical consulting, on-site assistance, product education, and comprehensive testing. Furthermore, ACI acts as a distributor and sales representative for third-party software products. All its solutions and services are marketed under the consistent ACI Worldwide brand. Initially known as Transaction Systems Architects, Inc., the company officially rebranded to ACI Worldwide, Inc. in July 2007. Founded in 1975, its operational headquarters are situated in Coral Gables, Florida.
- Industry
- Software - Infrastructure
- Sector
- Technology
- Headquarters
- US
- CEO
- Thomas Woodrow Warsop
- Listed since
- Feb 24, 1995
- Employees
- 2,930
Market position
Day range
Current $51.86
52-week range
Current $51.86
- Open
- $51.41
- Previous close
- $51.57
- Volume
- 562.68K
- 0.58× average
- Average volume
- 964.92K
- Average daily volume
- Market cap
- 5.27B USD
- Beta
- 0.99
- Market reference 1
- 50-day average
- $52.997
- -2.15% below average
- 200-day average
- $46.0158
- +12.70% above average
Financials
Financial snapshot
Latest / TTMValuation & yield
- Enterprise value
- 5.65B USD
- P/E (TTM)
- 23.57×
- P/B (TTM)
- 3.52×
- P/S (TTM)
- 2.9×
- EV / EBITDA
- 11.98×
- Earnings yield
- 4.56%
- Free cash flow yield
- 6.24%
- Dividend yield
- 0.00%
Profitability & efficiency
- Gross margin
- 49.08%
- Operating margin
- 18.61%
- Net margin
- 12.40%
- Return on equity
- 14.92%
- Return on assets
- 7.30%
- Return on invested capital
- 9.96%
Financial health
- Debt / equity
- 0.57×
- Current ratio
- 1.54×
- Altman Z-score
- 3.97
- Piotroski F-score
- 9 of 9
Financial statements
Margin trends
Profitability as a percentage of reported revenue.
Income trends
Revenue
Operating income
Net income
| Metric (USD) | FY2025 | FY2024 | FY2023 | FY2022 | FY2021 |
|---|---|---|---|---|---|
| Revenue | 1.76B USD | 1.59B USD | 1.45B USD | 1.42B USD | 1.37B USD |
| Cost of goods sold | 897.65M USD | 791.78M USD | 719.21M USD | 696.07M USD | 638.87M USD |
| Gross profit | 862.13M USD | 802.51M USD | 733.37M USD | 725.83M USD | 731.73M USD |
| Research and development | 167.54M USD | 146.68M USD | 140.76M USD | 146.31M USD | 144.31M USD |
| Selling, general, and administrative | 267.78M USD | 236.73M USD | 249.83M USD | 249.01M USD | 250.34M USD |
| Operating expenses | 532.22M USD | 494.37M USD | 512.96M USD | 522M USD | 521.83M USD |
| Interest income | 14.87M USD | 15.93M USD | 14.22M USD | 12.55M USD | 11.52M USD |
| Interest expense | 57.85M USD | 72.47M USD | 78.49M USD | 53.19M USD | 45.06M USD |
| Depreciation and amortization | 106.65M USD | 120.67M USD | 133.99M USD | 138.36M USD | 143.91M USD |
| Operating income | 329.91M USD | 308.14M USD | 220.41M USD | 203.84M USD | 209.9M USD |
| Net income | 226.66M USD | 203.12M USD | 121.51M USD | 142.18M USD | 127.79M USD |
Company facts updated Aug 24, 2026.
Earnings
- EPS beat rate
- 73%
- 8 beats, 3 misses, 0 met estimates
- Average EPS surprise
- +56.15%
- 11 comparable reports
- Latest EPS result
- 0.31
- Estimate 0.3 · Beat by 5.08%
EPS: actual versus estimate
Recent quarterly results
Revenue: actual versus estimate
Recent quarterly results
Analyst ratings
Third-party consensus; not a GoAI recommendation.
Analyst price target
Average target
$66.00
27.27% upsideRating distribution
17 ratingsRecent analyst actions
ACIW news
Corporate actions
Corporate action history
| Action | Effective date | Details | Record date | Payment date |
|---|---|---|---|---|
Stock split | Jul 11, 2014 | 3:1 | — | — |
Stock split | Jul 2, 1996 | 2:1 | — | — |
Effective Jul 11, 2014
3:1
Effective Jul 2, 1996
2:1
ACIW peers
ETFs holding ACIW
Funds reporting this stock among their holdings, ordered by reported position size.
iShares Core S&P Small-Cap ETFIJR322.34M0.29%111.19B USD0.06%$147.31+0.64%
Vanguard Morningstar Total Stock Market ETFVTI186.07M0.01%2.3T USD0.03%$378.24+0.44%
Vanguard Information Technology ETFVGT142.85M0.09%160.2B USD0.09%$118.42+0.05%
iShares Russell 2000 ETFIWM137.32M0.17%81.62B USD0.19%$299.96+0.77%
Vanguard Morningstar Small-Cap ETFVB134.12M0.07%183.4B USD0.03%$304.76+0.64%
Vanguard Morningstar Small-Cap Growth ETFVBK77.81M0.17%43.8B USD0.05%$358.65+0.70%
Vanguard Extended Market ETFVXF67.06M0.07%93.7B USD0.05%$245.53+0.82%
iShares Russell 2000 Growth ETFIWO49.48M0.33%15.16B USD0.24%$387.37+1.24%
iShares Core S&P Small-Cap ETFIJR- Market value
- 322.34M
- Weight
- 0.29%
- AUM
- 111.19B USD
- Expense ratio
- 0.06%
- Price / 1D
- $147.31+0.64%
Vanguard Morningstar Total Stock Market ETFVTI- Market value
- 186.07M
- Weight
- 0.01%
- AUM
- 2.3T USD
- Expense ratio
- 0.03%
- Price / 1D
- $378.24+0.44%
Vanguard Information Technology ETFVGT- Market value
- 142.85M
- Weight
- 0.09%
- AUM
- 160.2B USD
- Expense ratio
- 0.09%
- Price / 1D
- $118.42+0.05%
iShares Russell 2000 ETFIWM- Market value
- 137.32M
- Weight
- 0.17%
- AUM
- 81.62B USD
- Expense ratio
- 0.19%
- Price / 1D
- $299.96+0.77%
Vanguard Morningstar Small-Cap ETFVB- Market value
- 134.12M
- Weight
- 0.07%
- AUM
- 183.4B USD
- Expense ratio
- 0.03%
- Price / 1D
- $304.76+0.64%
Vanguard Morningstar Small-Cap Growth ETFVBK- Market value
- 77.81M
- Weight
- 0.17%
- AUM
- 43.8B USD
- Expense ratio
- 0.05%
- Price / 1D
- $358.65+0.70%
Vanguard Extended Market ETFVXF- Market value
- 67.06M
- Weight
- 0.07%
- AUM
- 93.7B USD
- Expense ratio
- 0.05%
- Price / 1D
- $245.53+0.82%
iShares Russell 2000 Growth ETFIWO- Market value
- 49.48M
- Weight
- 0.33%
- AUM
- 15.16B USD
- Expense ratio
- 0.24%
- Price / 1D
- $387.37+1.24%
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