ACI Worldwide, Inc. logo

ACI Worldwide, Inc.

ACIW

NASDAQTechnologySoftware - Infrastructure

Previous close

$51.86

+$0.29 · +0.56%

Aug 21, 4:00 PM ET

ACIW company overview

Regular session · ET · Market data may be delayed.

GoAI snapshot

AI-powered factor overview

Jul 10, 2026

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 website

ACI 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 / TTM

Valuation & 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.

Gross marginOperating marginNet margin
Gross, operating, and net margin trends58%40%22%4%Gross margin, FY2021: 53.39%Gross margin, FY2022: 51.05%Gross margin, FY2023: 50.49%Gross margin, FY2024: 50.34%Gross margin, FY2025: 48.99%Operating margin, FY2021: 15.31%Operating margin, FY2022: 14.34%Operating margin, FY2023: 15.17%Operating margin, FY2024: 19.33%Operating margin, FY2025: 18.75%Net margin, FY2021: 9.32%Net margin, FY2022: 10.00%Net margin, FY2023: 8.37%Net margin, FY2024: 12.74%Net margin, FY2025: 12.88%FY2021FY2022FY2023FY2024FY2025
Gross margin FY2021 53.39%. Gross margin FY2022 51.05%. Gross margin FY2023 50.49%. Gross margin FY2024 50.34%. Gross margin FY2025 48.99%. Operating margin FY2021 15.31%. Operating margin FY2022 14.34%. Operating margin FY2023 15.17%. Operating margin FY2024 19.33%. Operating margin FY2025 18.75%. Net margin FY2021 9.32%. Net margin FY2022 10.00%. Net margin FY2023 8.37%. Net margin FY2024 12.74%. Net margin FY2025 12.88%.

Income trends

Revenue

1.76B USD+10.38%

Operating income

329.91M USD+7.07%

Net income

226.66M USD+11.59%
Income trends across reported periods1.92B USD1.27B USD612.99M USD−42.32M USDRevenue, FY2021: 1.37B USDRevenue, FY2022: 1.42B USDRevenue, FY2023: 1.45B USDRevenue, FY2024: 1.59B USDRevenue, FY2025: 1.76B USDOperating income, FY2021: 209.9M USDOperating income, FY2022: 203.84M USDOperating income, FY2023: 220.41M USDOperating income, FY2024: 308.14M USDOperating income, FY2025: 329.91M USDNet income, FY2021: 127.79M USDNet income, FY2022: 142.18M USDNet income, FY2023: 121.51M USDNet income, FY2024: 203.12M USDNet income, FY2025: 226.66M USDFY2021FY2022FY2023FY2024FY2025
Revenue FY2021 1.37B USD. Revenue FY2022 1.42B USD. Revenue FY2023 1.45B USD. Revenue FY2024 1.59B USD. Revenue FY2025 1.76B USD. Operating income FY2021 209.9M USD. Operating income FY2022 203.84M USD. Operating income FY2023 220.41M USD. Operating income FY2024 308.14M USD. Operating income FY2025 329.91M USD. Net income FY2021 127.79M USD. Net income FY2022 142.18M USD. Net income FY2023 121.51M USD. Net income FY2024 203.12M USD. Net income FY2025 226.66M USD.
Metric (USD)FY2025FY2024FY2023FY2022FY2021
Revenue1.76B USD1.59B USD1.45B USD1.42B USD1.37B USD
Cost of goods sold897.65M USD791.78M USD719.21M USD696.07M USD638.87M USD
Gross profit862.13M USD802.51M USD733.37M USD725.83M USD731.73M USD
Research and development167.54M USD146.68M USD140.76M USD146.31M USD144.31M USD
Selling, general, and administrative267.78M USD236.73M USD249.83M USD249.01M USD250.34M USD
Operating expenses532.22M USD494.37M USD512.96M USD522M USD521.83M USD
Interest income14.87M USD15.93M USD14.22M USD12.55M USD11.52M USD
Interest expense57.85M USD72.47M USD78.49M USD53.19M USD45.06M USD
Depreciation and amortization106.65M USD120.67M USD133.99M USD138.36M USD143.91M USD
Operating income329.91M USD308.14M USD220.41M USD203.84M USD209.9M USD
Net income226.66M USD203.12M USD121.51M USD142.18M USD127.79M 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

ActualEstimate
Quarterly EPS actual values compared with estimates1.060.740.420.1Q1 '25BeatQ2 '25BeatQ3 '25MissQ4 '25MissQ1 '26MissQ2 '26BeatQ3 '26BeatQ4 '26Estimate
Q1 2025, reported Feb 27, 2025: actual 0.94, estimate 0.73, surprise +28.77%, Beat. Q2 2025, reported May 8, 2025: actual 0.51, estimate 0.23, surprise +121.74%, Beat. Q3 2025, reported Aug 7, 2025: actual 0.12, estimate 0.17, surprise -29.41%, Miss. Q4 2025, reported Nov 6, 2025: actual 0.88, estimate 0.99, surprise -11.11%, Miss. Q1 2026, reported Feb 26, 2026: actual 0.63, estimate 0.8, surprise -21.25%, Miss. Q2 2026, reported May 7, 2026: actual 0.38, estimate 0.29, surprise +31.03%, Beat. Q3 2026, reported Aug 6, 2026: actual 0.31, estimate 0.295, surprise +5.08%, Beat. Q4 2026, reported Nov 5, 2026: actual —, estimate 0.355, surprise —, Comparison unavailable.

Revenue: actual versus estimate

Recent quarterly results

ActualEstimate
Quarterly Revenue actual values compared with estimates501.65M449.43M397.2M344.97MQ1 '25BeatQ2 '25BeatQ3 '25BeatQ4 '25BeatQ1 '26BeatQ2 '26BeatQ3 '26MissQ4 '26Estimate
Q1 2025, reported Feb 27, 2025: actual 453.04M USD, estimate 451.77M USD, surprise +0.28%, Beat. Q2 2025, reported May 8, 2025: actual 394.57M USD, estimate 364.27M USD, surprise +8.32%, Beat. Q3 2025, reported Aug 7, 2025: actual 401.26M USD, estimate 380.56M USD, surprise +5.44%, Beat. Q4 2025, reported Nov 6, 2025: actual 482.36M USD, estimate 465.3M USD, surprise +3.67%, Beat. Q1 2026, reported Feb 26, 2026: actual 481.6M USD, estimate 464.64M USD, surprise +3.65%, Beat. Q2 2026, reported May 7, 2026: actual 425.75M USD, estimate 410.08M USD, surprise +3.82%, Beat. Q3 2026, reported Aug 6, 2026: actual 430.42M USD, estimate 430.6M USD, surprise -0.04%, Miss. Q4 2026, reported Nov 5, 2026: actual —, estimate 421.76M USD, surprise —, Comparison unavailable.

Analyst ratings

Third-party consensus; not a GoAI recommendation.

Analyst price target

Average target

$66.00

27.27% upside
Past 12 months12-month forecastHigh $66.00Average $66.00Low $66.00

Rating distribution

17 ratings
Strong buy00%
Buy1165%
Hold529%
Sell16%
Strong sell00%

Recent analyst actions

6 institutions
Seaport GlobalmaintainBuy
JefferiesmaintainBuy
Craig-HallummaintainBuy

ACIW news

Corporate actions

Corporate action history

Stock split

Effective Jul 11, 2014

3:1

Stock split

Effective Jul 2, 1996

2:1

ACIW peers

ETFs holding ACIW

Funds reporting this stock among their holdings, ordered by reported position size.

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