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ACIWACI Worldwide, Inc.
$55.93$5.7B
Overview & Verdict
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ACIW logoACI Worldwide, Inc.(ACIW)Earnings, Financials & Key Ratios

ACIW•NASDAQ
$55.93
25.9× P/E·Price updated Jul 6, 2026
SectorTechnologyIndustryInfrastructure SoftwareSub-IndustryPayments and fintech infrastructure
AboutACI Worldwide, Inc., a software company, develops, markets, installs, and supports a range of software products and solutions for facilitating digital payments to banks, merchants, and billers worldwide. The company offers ACI Acquiring, a merchant management system to deliver digital innovation, improve fraud prevention, and reduce interchange fees; ACI Issuing, a digital payments issuing solution; and ACI Enterprise Payments Platform that provides payment processing and orchestration capabilities for digital payments. It also provides ACI Low Value Real-Time Payments, a platform for processing real-time payments; and ACI High Value Real-Time Payments, a payments engine that offers multi-bank, multi-currency, 24x7 payment processing, and SWIFT messaging. In addition, the company offers ACI Omni Commerce, a scalable, omni-channel payment processing platform; ACI Secure eCommerce solution; ACI Fraud Management, a real-time approach to fraud management; ACI Digital Business Banking, a cloud-based digital banking platform; and ACI Speedpay, an integrated suite of digital billing, payment, disbursement, and communication services. The company offers electronic bill presentment and payment services to consumer finance, insurance, healthcare, higher education, utility, government, and mortgage sectors; implementation services, including product installations and configurations, and custom software modifications; and business and technical consultancy, on-site support, product education, and testing services, as well as distributes or acts as a sales agent for software developed by third parties. It markets its products under the ACI Worldwide brand. The company was formerly known as Transaction Systems Architects, Inc. and changed its name to ACI Worldwide, Inc. in July 2007. The company was founded in 1975 and is based in Coral Gables, Florida.Show more
  • Revenue$1.76B+10.4%
  • EBITDA$427M-0.5%
  • Net Income$227M+11.6%
  • EPS (Diluted)2.16+13.1%
  • Gross Margin48.99%-2.7%
  • EBITDA Margin24.25%-9.8%
  • Operating Margin18.75%-3.0%
  • Net Margin12.88%+1.1%
  • ROE15.4%+4.2%

ACIW Price & Volume

ACI Worldwide, Inc. (ACIW) stock price & volume — 10-year historical chart

Loading chart...

Volatile Revenue Cycles Mask Underlying Debt Reduction

Investment Thesis • Updated 2026Q1

VerdictNeutral
Growth:Mixed
Profitability:Moderate
Financial:Adequate
Cash Flow:Mixed
Primary Risk:Revenue recognition volatility

Key Thesis Takeaways

  • ACI Worldwide presents a complex investment profile characterized by inconsistent revenue growth, which fluctuated between a 4.9% contraction in 2024Q4 and a 24.9% expansion in 2025Q1.
  • While the company has successfully deleveraged its balance sheet, reducing total debt from $1.1 billion in 2023Q4 to $850.3 million by 2026Q1, persistent reliance on legacy payment architectures and high goodwill concentrations of $1.2 billion warrant caution.
  • Investors should monitor whether the transition to cloud-native solutions can stabilize operating margins, which have swung from 3.0% to 36.2% over the last ten quarters.

Verdict Logic

while the forward P/E of 19.72 and PEG ratio of 0.80 suggest potential value, the extreme volatility in operating cash flow, evidenced by an OCF/NI ratio of 4.08x in 2025Q2, indicates significant earnings quality risks.

ACIW Growth Metrics

ACI Worldwide, Inc. (ACIW) revenue, earnings & EPS growth — 3, 5 & 10-year CAGR

Revenue CAGR

10 Years5.34%
5 Years6.34%
3 Years7.37%
TTM7.06%

Profit CAGR

10 Years10.25%
5 Years25.55%
3 Years16.82%
TTM-23.59%

EPS CAGR

10 Years11.61%
5 Years28.35%
3 Years20.32%
TTM-21.65%

Return on Capital

10 Years9.12%
5 Years10.57%
3 Years11.9%
Last Year13.68%

ACIW Recent Earnings

ACI Worldwide, Inc. (ACIW) EPS & revenue vs analyst estimates — last 4 quarters

Full history →
●Beat EPS 11/12 qtrs (92%)●Beat Revenue 9/12 qtrs (75%)
Q2 2026Latest
May 7, 2026
Metric
Actual
Est
EPS
$0.48+65.5%
$0.29
Rev
$426M+3.8%
$410M
Q1 2026
Feb 26, 2026
Metric
Actual
Est
EPS
$0.63-21.3%
$0.80
Rev
$482M+3.6%
$465M
Q4 2025
Nov 6, 2025
Metric
Actual
Est
EPS
$1.09+10.1%
$0.99
Rev
$482M+3.7%
$465M
Q3 2025
Aug 7, 2025
Metric
Actual
Est
EPS
$0.35+29.6%
$0.27
Rev
$401M-13.0%
$461M
QuarterDateEPS (Act vs Est)Revenue (Act vs Est)
Q2 2026LatestMay 7, 2026
$0.48vs $0.29+65.5%
$426Mvs $410M+3.8%
Q1 2026Feb 26, 2026
$0.63vs $0.80-21.3%
$482Mvs $465M+3.6%
Q4 2025Nov 6, 2025
$1.09vs $0.99+10.1%
$482Mvs $465M+3.7%
Q3 2025Aug 7, 2025
$0.35vs $0.27+29.6%
$401Mvs $461M-13.0%
Based on last 12 quarters of dataView full earnings history →

Latest ACIW News

Recent stock market news and headlines for ACI Worldwide, Inc. (ACIW)

Zacks Investment Research·Jun 29, 2026
ACI Worldwide (ACIW) Surges 5.6%: Is This an Indication of Further Gains?

ACI Worldwide (ACIW) witnessed a jump in share price last session on above-average trading volume. The latest trend in earnings estimate revisions for the stock doesn't suggest further strength down the road.

Business Wire·Jun 29, 2026
Six in Ten UK Consumers Would Stop Using an AI Shopping Agent After One Mistake, ACI Survey Finds

LONDON--(BUSINESS WIRE)--New research from ACI Worldwide (NASDAQ: ACIW), an original innovator in global payments technology, reveals a significant trust gap between artificial intelligence and human decision-makers, highlighting a key barrier to the widespread adoption of AI shopping agents. A YouGov survey of more than 2,000 UK adults, conducted on behalf of ACI Worldwide, found that just 19% of consumers trust AI assistants to follow rules to set up make every day purchasing decisions, compa.

Zacks Investment Research·Jun 23, 2026
Do Options Traders Know Something About ACI Worldwide Stock We Don't?

Investors need to pay close attention to ACIW stock based on the movements in the options market lately.

Business Wire·Jun 18, 2026
FIFA World Cup: Fraud Attempts Surged More Than Threefold at Past World Cups, ACI Worldwide Finds

OMAHA, Neb.--(BUSINESS WIRE)--As the 2026 FIFA World Cup gets underway, new analysis from ACI Worldwide (NASDAQ: ACIW), an original innovator in global payments technology, shows that the fraud patterns seen around previous major tournaments are already in play, exposing fans and ticket sellers to heightened risks. Based on 24.5 million transactions across 61 live-event merchants serving global fan audiences, ACI's data reveals the same warning signs that preceded fraud surges during Copa Ameri.

GuruFocus·Jun 18, 2026
FIFA World Cup: Fraud Attempts Surged More Than Threefold at Past World Cups, ACI Worldwide Finds

As the 2026 FIFA World Cup gets underway, new analysis from [url="]ACI Worldwide[/url] (NASDAQ: ACIW), an original innovator in global payments technology, sho

Peers Comparison

Key metrics vs top competitors for ACI Worldwide, Inc. (ACIW)

Full Screener →
CompanyPriceMarket CapP/E RatioRev Growth (1Y)Net MarginROEDiv Yield
ACIW logoACIWACI Worldwide, Inc.Current
$55.93$5.69B25.8910.38%12.88%15.4%—
JKHY logoJKHYJack Henry & Associates, Inc.
$146.38$10.59B23.467.21%20.64%24.03%—
FISV logoFISVFiserv, Inc.
$51.78$27.69B8.173.6%15.17%12.43%—
FIS logoFISFidelity National Information Services, Inc.
$41.27$21.33B55.035.43%22.91%18.45%—
EVTC logoEVTCEVERTEC, Inc.
$28.80$1.77B13.0910.21%13.95%18.65%—
GPN logoGPNGlobal Payments Inc.
$77.41$18.32B13.28-23.75%-7.99%-2.96%—

Compare ACIW vs Peers

ACI Worldwide, Inc. (ACIW) vs competitors — business, growth, and fundamentals comparison against the closest industry rivals.

Closest Rival

vs JKHY

Most directly comparable listed peer for ACIW.

Scale Benchmark

vs JPM

Larger-name benchmark to compare ACIW against a more recognizable public peer.

Peer Set

Compare Top 5

vs JKHY, FISV, FIS, EVTC

ACIW SEC Filings & Documents

ACI Worldwide, Inc. (ACIW) SEC filings — annual & quarterly reports (10-K, 10-Q)

8-K Announcements

6
Material company update

May 7, 2026·SEC

Material company update

Feb 26, 2026·SEC

Material company update

Jan 14, 2026·SEC

10-K Annual Reports

4
FY 2026

Feb 26, 2026·SEC

FY 2025

Feb 27, 2025·SEC

FY 2024

Feb 29, 2024·SEC

10-Q Quarterly Reports

6
FY 2026

May 7, 2026·SEC

FY 2025

Nov 6, 2025·SEC

FY 2025

Aug 7, 2025·SEC

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ACIW Frequently Asked Questions

ACI Worldwide, Inc. (ACIW) stock FAQ — growth, dividends, profitability & financials explained

Growth & Financials
What is ACI Worldwide, Inc.'s revenue?

ACI Worldwide, Inc. (ACIW) reported $1.79B in revenue for fiscal year 2025. This represents a 1021% increase from $159.8M in 1996.

How fast is ACI Worldwide, Inc. growing?

ACI Worldwide, Inc. (ACIW) grew revenue by 10.4% over the past year. This is steady growth.

Is ACIW profitable?

Yes, ACI Worldwide, Inc. (ACIW) is profitable, generating $206.1M in net income for fiscal year 2025 (12.9% net margin).

Dividend & Returns
What is ACIW's return on equity?

ACI Worldwide, Inc. (ACIW) has a return on equity (ROE) of 15.4%. This is reasonable for most industries.

What is ACI Worldwide, Inc.'s free cash flow?

ACI Worldwide, Inc. (ACIW) generated $289.7M in free cash flow for fiscal year 2025. Positive FCF indicates the company can fund dividends, buybacks, or reinvestment.

What if you invested $1,000 in ACIW back in 1996?

Total return calculator · dividends reinvested · 30+ years of data

See returns →