ACI Worldwide (ACIW)
Market Price (4/8/2026): $41.42 | Market Cap: $4.3 BilSector: Information Technology | Industry: Application Software
ACI Worldwide (ACIW)
Market Price (4/8/2026): $41.42Market Cap: $4.3 BilSector: Information TechnologyIndustry: Application Software
Investment Highlights Why It Matters Detailed financial logic regarding cash flow yields vs trend-riding momentum.
Attractive yieldTotal YieldTotal Yield = Earnings Yield + Dividend Yield, Earnings Yield = Net Income / Market Cap Dividend Yield = Total Dividends / Market Cap is 5.3%, FCF Yield is 6.8% Attractive cash flow generationCFO/Rev LTMCash Flow from Operations / Revenue (Sales), Last Twelve Months (LTM) is 18%, FCF/Rev LTMFree Cash Flow / Revenue (Sales), Last Twelve Months (LTM) is 16% Low stock price volatilityVol 12M is 34% Megatrend and thematic driversMegatrends include Fintech & Digital Payments, and AI in Financial Services. Themes include Digital Payments, Online Banking & Lending, Show more. | Weak multi-year price returns2Y Excs Rtn is -2.9%, 3Y Excs Rtn is -12% | Key risksACIW key risks include [1] potential service delivery interruptions from its significant internal platform consolidation project and [2] a high revenue concentration in the North American market. |
| Attractive yieldTotal YieldTotal Yield = Earnings Yield + Dividend Yield, Earnings Yield = Net Income / Market Cap Dividend Yield = Total Dividends / Market Cap is 5.3%, FCF Yield is 6.8% |
| Attractive cash flow generationCFO/Rev LTMCash Flow from Operations / Revenue (Sales), Last Twelve Months (LTM) is 18%, FCF/Rev LTMFree Cash Flow / Revenue (Sales), Last Twelve Months (LTM) is 16% |
| Low stock price volatilityVol 12M is 34% |
| Megatrend and thematic driversMegatrends include Fintech & Digital Payments, and AI in Financial Services. Themes include Digital Payments, Online Banking & Lending, Show more. |
| Weak multi-year price returns2Y Excs Rtn is -2.9%, 3Y Excs Rtn is -12% |
| Key risksACIW key risks include [1] potential service delivery interruptions from its significant internal platform consolidation project and [2] a high revenue concentration in the North American market. |
Qualitative Assessment
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ACI Worldwide (ACIW) stock has lost about 15% since 12/31/2025 because of the following key factors:
1. ACI Worldwide missed its Q4 2025 earnings per share (EPS) estimates.
The company reported an EPS of $0.90 for the fourth quarter of 2025, falling short of the consensus analyst estimate of $1.05 by $0.15. This earnings miss was a notable negative factor impacting investor sentiment, despite the company reporting total revenue of $481.60 million, which exceeded analyst estimates.
2. Analyst downgrades contributed to negative market sentiment.
Following the earnings report and other market factors, ACI Worldwide experienced significant downgrades from research firms. Zacks Research downgraded ACIW from a "hold" rating to a "strong sell" rating on March 10, 2026. Additionally, Weiss Ratings cut ACI Worldwide from a "buy (b-)" rating to a "hold (c+)" rating on February 18, 2026. These revised ratings signaled a less optimistic outlook from analysts regarding the company's near-term prospects.
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1. ACI Worldwide missed its Q4 2025 earnings per share (EPS) estimates.
The company reported an EPS of $0.90 for the fourth quarter of 2025, falling short of the consensus analyst estimate of $1.05 by $0.15. This earnings miss was a notable negative factor impacting investor sentiment, despite the company reporting total revenue of $481.60 million, which exceeded analyst estimates.
2. Analyst downgrades contributed to negative market sentiment.
Following the earnings report and other market factors, ACI Worldwide experienced significant downgrades from research firms. Zacks Research downgraded ACIW from a "hold" rating to a "strong sell" rating on March 10, 2026. Additionally, Weiss Ratings cut ACI Worldwide from a "buy (b-)" rating to a "hold (c+)" rating on February 18, 2026. These revised ratings signaled a less optimistic outlook from analysts regarding the company's near-term prospects.
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Stock Movement Drivers
Fundamental Drivers
The -13.4% change in ACIW stock from 12/31/2025 to 4/8/2026 was primarily driven by a -14.5% change in the company's Net Income Margin (%).| (LTM values as of) | 12312025 | 4082026 | Change |
|---|---|---|---|
| Stock Price ($) | 47.81 | 41.42 | -13.4% |
| Change Contribution By: | |||
| Total Revenues ($ Mil) | 1,731 | 1,760 | 1.6% |
| Net Income Margin (%) | 15.1% | 12.9% | -14.5% |
| P/E Multiple | 18.9 | 18.8 | -0.6% |
| Shares Outstanding (Mil) | 103 | 103 | 0.4% |
| Cumulative Contribution | -13.4% |
Market Drivers
12/31/2025 to 4/8/2026| Return | Correlation | |
|---|---|---|
| ACIW | -13.4% | |
| Market (SPY) | -5.4% | 38.3% |
| Sector (XLK) | -1.6% | 34.7% |
Fundamental Drivers
The -21.5% change in ACIW stock from 9/30/2025 to 4/8/2026 was primarily driven by a -14.3% change in the company's P/E Multiple.| (LTM values as of) | 9302025 | 4082026 | Change |
|---|---|---|---|
| Stock Price ($) | 52.77 | 41.42 | -21.5% |
| Change Contribution By: | |||
| Total Revenues ($ Mil) | 1,701 | 1,760 | 3.5% |
| Net Income Margin (%) | 14.8% | 12.9% | -12.8% |
| P/E Multiple | 21.9 | 18.8 | -14.3% |
| Shares Outstanding (Mil) | 104 | 103 | 1.5% |
| Cumulative Contribution | -21.5% |
Market Drivers
9/30/2025 to 4/8/2026| Return | Correlation | |
|---|---|---|
| ACIW | -21.6% | |
| Market (SPY) | -2.9% | 30.3% |
| Sector (XLK) | 0.7% | 23.2% |
Fundamental Drivers
The -24.3% change in ACIW stock from 3/31/2025 to 4/8/2026 was primarily driven by a -33.5% change in the company's P/E Multiple.| (LTM values as of) | 3312025 | 4082026 | Change |
|---|---|---|---|
| Stock Price ($) | 54.71 | 41.42 | -24.3% |
| Change Contribution By: | |||
| Total Revenues ($ Mil) | 1,594 | 1,760 | 10.4% |
| Net Income Margin (%) | 12.7% | 12.9% | 1.1% |
| P/E Multiple | 28.3 | 18.8 | -33.5% |
| Shares Outstanding (Mil) | 105 | 103 | 2.1% |
| Cumulative Contribution | -24.3% |
Market Drivers
3/31/2025 to 4/8/2026| Return | Correlation | |
|---|---|---|
| ACIW | -24.4% | |
| Market (SPY) | 16.3% | 56.0% |
| Sector (XLK) | 37.9% | 49.7% |
Fundamental Drivers
The 53.5% change in ACIW stock from 3/31/2023 to 4/8/2026 was primarily driven by a 28.8% change in the company's Net Income Margin (%).| (LTM values as of) | 3312023 | 4082026 | Change |
|---|---|---|---|
| Stock Price ($) | 26.98 | 41.42 | 53.5% |
| Change Contribution By: | |||
| Total Revenues ($ Mil) | 1,422 | 1,760 | 23.8% |
| Net Income Margin (%) | 10.0% | 12.9% | 28.8% |
| P/E Multiple | 21.1 | 18.8 | -10.8% |
| Shares Outstanding (Mil) | 111 | 103 | 7.9% |
| Cumulative Contribution | 53.5% |
Market Drivers
3/31/2023 to 4/8/2026| Return | Correlation | |
|---|---|---|
| ACIW | 53.4% | |
| Market (SPY) | 63.3% | 51.3% |
| Sector (XLK) | 91.3% | 39.9% |
Price Returns Compared
| 2021 | 2022 | 2023 | 2024 | 2025 | 2026 | Total [1] | |
|---|---|---|---|---|---|---|---|
| Returns | |||||||
| ACIW Return | -10% | -34% | 33% | 70% | -8% | -15% | 6% |
| Peers Return | -17% | -24% | 7% | 26% | -28% | -20% | -51% |
| S&P 500 Return | 27% | -19% | 24% | 23% | 16% | -3% | 76% |
Monthly Win Rates [3] | |||||||
| ACIW Win Rate | 17% | 25% | 58% | 75% | 42% | 25% | |
| Peers Win Rate | 50% | 42% | 57% | 63% | 43% | 10% | |
| S&P 500 Win Rate | 75% | 42% | 67% | 75% | 67% | 50% | |
Max Drawdowns [4] | |||||||
| ACIW Max Drawdown | -26% | -42% | -14% | -5% | -22% | -20% | |
| Peers Max Drawdown | -24% | -32% | -17% | -8% | -36% | -24% | |
| S&P 500 Max Drawdown | -1% | -25% | -1% | -2% | -15% | -7% | |
[1] Cumulative total returns since the beginning of 2021
[2] Peers: FISV, FIS, GPN, JKHY, PYPL. See ACIW Returns vs. Peers.
[3] Win Rate = % of calendar months in which monthly returns were positive
[4] Max drawdown represents maximum peak-to-trough decline within a year
[5] 2026 data is for the year up to 4/8/2026 (YTD)
How Low Can It Go
| Event | ACIW | S&P 500 |
|---|---|---|
| 2022 Inflation Shock | ||
| % Loss | -54.2% | -25.4% |
| % Gain to Breakeven | 118.2% | 34.1% |
| Time to Breakeven | 276 days | 464 days |
| 2020 Covid Pandemic | ||
| % Loss | -45.7% | -33.9% |
| % Gain to Breakeven | 84.3% | 51.3% |
| Time to Breakeven | 265 days | 148 days |
| 2018 Correction | ||
| % Loss | -19.8% | -19.8% |
| % Gain to Breakeven | 24.6% | 24.7% |
| Time to Breakeven | 88 days | 120 days |
| 2008 Global Financial Crisis | ||
| % Loss | -76.3% | -56.8% |
| % Gain to Breakeven | 322.6% | 131.3% |
| Time to Breakeven | 1,214 days | 1,480 days |
Compare to FISV, FIS, GPN, JKHY, PYPL
In The Past
ACI Worldwide's stock fell -54.2% during the 2022 Inflation Shock from a high on 2/17/2021. A -54.2% loss requires a 118.2% gain to breakeven.
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About ACI Worldwide (ACIW)
ACI 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.
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Here are 1-3 brief analogies for ACI Worldwide (ACIW):
- Like Stripe for big banks and billers.
- The Intel inside for major banks' payment systems.
AI Analysis | Feedback
- ACI Acquiring: A merchant management system designed to deliver digital innovation, improve fraud prevention, and reduce interchange fees.
- ACI Issuing: A dedicated solution for digital payments issuing.
- ACI Enterprise Payments Platform: Provides comprehensive payment processing and orchestration capabilities for digital payments.
- ACI Low Value Real-Time Payments: A platform specifically for processing real-time payments of lower value.
- ACI High Value Real-Time Payments: A payments engine offering multi-bank, multi-currency, 24x7 payment processing, and SWIFT messaging for high-value transactions.
- ACI Omni Commerce: A scalable, omni-channel platform for processing payments across various touchpoints.
- ACI Secure eCommerce: A solution focused on securing e-commerce transactions.
- ACI Fraud Management: A real-time approach to detecting and preventing payment fraud.
- ACI Digital Business Banking: A cloud-based platform facilitating digital banking operations for businesses.
- ACI Speedpay: An integrated suite providing digital billing, payment, disbursement, and communication services across multiple sectors.
- Implementation Services: Includes product installations, configurations, and custom software modifications.
- Consultancy and Support Services: Provides business and technical consultancy, on-site support, product education, and testing services.
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ACI Worldwide (ACIW) sells its software products and solutions primarily to other companies and institutions. The provided company description identifies its major customers by categories rather than by specific company names. Therefore, its major customers are:
- Banks and Financial Institutions: ACI Worldwide offers a range of solutions for these entities, including ACI Issuing, ACI Enterprise Payments Platform, ACI Low Value Real-Time Payments, ACI High Value Real-Time Payments, and ACI Digital Business Banking, among others.
- Merchants: The company provides products such as ACI Acquiring, ACI Omni Commerce, and ACI Secure eCommerce solution to merchants for payment processing and management.
- Billers: ACI Worldwide serves billers with its ACI Speedpay suite, offering integrated digital billing, payment, disbursement, and communication services. These services are provided to various sectors, including consumer finance, insurance, healthcare, higher education, utility, government, and mortgage.
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Thomas W. Warsop, III President and Chief Executive Officer
Thomas Warsop became ACI's President and Chief Executive Officer in November 2022, and officially in June 2023, after joining the ACI Board of Directors in June 2015 and becoming non-executive Chairman in June 2022. He brings over 30 years of experience in information technology, financial services, and insurance. Prior to ACI, he served as Group President at Fiserv, Inc. from 2007 to 2012. He also spent 17 years at Electronic Data Systems in various leadership capacities, including President of its Business Process Outsourcing unit in Asia Pacific, and Vice President of Global Financial Services. Warsop has a pattern of managing companies backed by private equity firms, having led various portfolio companies for several leading private equity firms since 2012, such as One Call Care Management, York Risk Services Group, and The Warranty Group. He currently serves on the Board of Altus Group.
Robert Leibrock Chief Financial Officer
Robert Leibrock was appointed Chief Financial Officer, effective July 1, 2025. He joined ACI from Red Hat, Inc., where he held the roles of Senior Vice President, Chief Operating Officer, and CFO. At Red Hat, he was instrumental in overseeing financial operations during a period of significant growth and organizational transformation, including initiatives related to artificial intelligence. Before Red Hat, he spent nearly 20 years at IBM in various senior finance roles across the CFO and Software organizations. He was a pivotal member of the leadership team behind IBM's $34 billion acquisition of Red Hat and played a central role in driving the integration strategy and long-term value creation. His experience at IBM included financial leadership positions in security and automation software, cloud platform, global technology services, and the mainframe business.
Alessandro Silva Chief Revenue Officer
Alessandro Silva is ACI's Chief Revenue Officer, leading the company's commercial organization to drive global organic growth through sales effectiveness and customer service. Since joining ACI in 2021, he served as head of international markets, responsible for commercial strategy and strengthening sales and customer success capabilities across Latin America, Europe, Asia Pacific, the Middle East, and Africa. Prior to ACI, Mr. Silva held various sales and general manager roles in the U.S., Canada, Latin America, and Europe, working for companies such as Western Union, GE Capital, The Carlyle Group, and Credicard.
Philip Bruno Chief Strategy and Growth Officer
Philip Bruno serves as the Chief Strategy and Growth Officer at ACI Worldwide.
JP Krishnamoorthy Chief Innovation & Technology Officer
JP Krishnamoorthy holds the position of Chief Innovation & Technology Officer at ACI Worldwide.
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ACI Worldwide (symbol: ACIW), a software company facilitating digital payments globally, faces several key risks inherent to its industry and operations:
- Cybersecurity and Data Breaches: Given ACI Worldwide's role in processing sensitive financial data for banks, merchants, and billers, the company is highly vulnerable to cybersecurity threats and data breaches. A successful cyberattack or a lapse in data handling can lead to substantial financial losses, severe damage to customer relationships, and significant reputational harm. The company must continuously invest heavily in robust security measures to protect its systems and data. This risk was concretely demonstrated by a $25 million fine from the Consumer Financial Protection Bureau (CFPB) in 2023 for improper data handling that resulted in approximately $2.3 billion in erroneous mortgage payment transactions, impacting nearly 500,000 homeowners.
- Intense Competition and Rapid Technological Change: The digital payments market in which ACI Worldwide operates is characterized by intense competition and rapid technological advancements. ACI faces pressure from large-scale established competitors, smaller agile FinTech companies, and even the in-house IT departments of potential customers. The necessity for continuous innovation and adaptation to new technologies, including artificial intelligence (AI) and evolving payment methods, is crucial to prevent its products from becoming less competitive or obsolete. Failure to keep pace with these changes can strain resources and impact market share and profitability.
- Regulatory Compliance and Evolving Landscape: ACI Worldwide operates within a complex and dynamic global regulatory environment that includes stringent requirements related to data privacy, cybersecurity, financial services, and anti-money laundering. Adhering to these evolving regulations (such as FFIEC, PSD3, and ISO 20022) is costly and can limit operational flexibility. Non-compliance can result in significant penalties and legal challenges, as evidenced by the CFPB fine related to unauthorized mortgage payments and data handling violations. The company must maintain skilled compliance, security, risk, and audit professionals to navigate this landscape, and competition for these skillsets is intense.
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ACI Worldwide operates in several large and growing addressable markets for its payment software and solutions. The estimated market sizes for its main products and services are as follows:
- Digital Payments Market: The global digital payment market size was estimated at USD 114.41 billion in 2024 and is projected to reach USD 361.30 billion by 2030, growing at a Compound Annual Growth Rate (CAGR) of 21.4% from 2025 to 2030. North America dominated the digital payment industry, accounting for a 33.5% share in 2024.
- Real-Time Payments Market: The global real-time payments market size was valued at USD 34.16 billion in 2025 and is projected to grow from USD 47.06 billion in 2026 to USD 498.99 billion by 2034, exhibiting a CAGR of 34.30% during the forecast period. North America held the largest market share in 2025 at 43.10%.
- Fraud Detection and Prevention Market: The global fraud detection and prevention market size was valued at USD 54.61 billion in 2025 and is projected to grow from USD 67.12 billion in 2026 to USD 243.72 billion by 2034, exhibiting a CAGR of 17.50% during the forecast period. North America held a 42.00% market share in 2025.
- eCommerce Payments Market: The global eCommerce payments market generated USD 291.5 billion in 2025 and is predicted to register growth from USD 332.9 billion in 2026 to approximately USD 1,099.8 billion by 2035, recording a CAGR of 14.20%. Asia Pacific held a dominant market position in 2025, capturing more than a 54.6% share.
- Bill Payment Software Market: The global bill payment software market was valued at approximately USD 4.83 billion in 2024 and is projected to reach USD 5.43 billion by 2025. ACI Worldwide is noted as a top company in this market, supporting over 5,100 organizations globally.
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ACI Worldwide (ACIW) anticipates several key drivers for its future revenue growth over the next two to three years, primarily stemming from its strategic focus on cloud-native solutions, real-time payments, and an expanding customer base.
One significant driver is the continued expansion and adoption of **ACI Connetic, the company's cloud-native payments hub**.
This platform has seen strategic wins, including the signing of a major European bank, and is considered the fastest-growing part of ACI's pipeline. Connetic is expected to further boost revenue by adding card capabilities and targeting mid-tier banks. ACI's overall emphasis on **recurring revenue streams, particularly from Software-as-a-Service (SaaS) and Platform-as-a-Service (PaaS) offerings**, is also a central growth engine, with recurring revenue increasing by 11% in 2025 and 13% in the fourth quarter of 2025. SaaS revenue alone grew 11% for the full year 2025 and 15% in Q4. This shift towards more predictable, subscription-based models is a key part of the company's growth strategy. Another expected driver is the robust performance and adoption within the **Biller segment, driven by the ACI Speedpay platform**. This segment delivered a 13% revenue increase in 2025, fueled by transaction growth and customer adoption of the Speedpay platform. Finally, ACI Worldwide is poised to benefit from the **global acceleration in the adoption of real-time payments**. Management has indicated that real-time payments are still in their early stages globally, and ACI, having established a strong global presence, anticipates continued growth in transaction volumes, which will translate into revenue expansion. The real-time payments portion of the business grew 8% in 2025 and is projected to be a significant contributor to future growth.AI Analysis | Feedback
Share Repurchases
- In June 2024, ACI Worldwide authorized a new $400 million share repurchase program, which included the remaining $65 million from a prior authorization. Year-to-date in 2024, the company had already repurchased approximately 3 million shares for $106 million.
- A new $500 million stock repurchase plan was approved in November 2025, replacing previous buyback authorizations.
- ACI Worldwide returned $203 million to shareholders through share repurchases in 2025 and plans to allocate 50% to 60% of operating cash flow to share repurchases in 2026.
Share Issuance
- The number of common shares outstanding was 106,412,716 as of December 31, 2023.
- As of February 23, 2026, there were 101,719,981 shares of common stock outstanding.
- A director acquired 2,400 shares of ACI Worldwide stock for $100,560 on March 3, 2026.
Outbound Investments
- On September 1, 2022, ACI Worldwide sold its corporate online banking solutions assets and liabilities to One Equity Partners for $100.0 million.
- In November 2025, ACI Worldwide acquired Payment Components, a Greek fintech specializing in AI-powered financial messaging and Open Banking solutions, to enhance its ACI Connetic platform.
Capital Expenditures
- Projected capital expenditures for ACI Worldwide in 2026 are $51 million.
- The primary focus of capital expenditures is on strategic initiatives such as the ACI Connetic platform, AI-driven efficiencies, and advancing Speedpay One.
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| 03312026 | PANW | Palo Alto Networks | Insider | Insider Buys | Low D/EStrong Insider BuyingCompanies with strong insider buying in the last 1 month, positive operating income and reasonable debt / market cap | 0.0% | 0.0% | 0.0% |
| 03312026 | ALKT | Alkami Technology | Insider | Insider Buys 45DStrong Insider BuyingCompanies with multiple insider buys in the last 45 days | 0.0% | 0.0% | 0.0% |
| 03272026 | DBX | Dropbox | Dip Buy | DB | FCFY OPMDip Buy with High FCF Yield and High MarginBuying dips for companies with high FCF yield and meaningfully high operating margin | 2.6% | 2.6% | 0.0% |
| 03272026 | DLB | Dolby Laboratories | Dip Buy | DB | FCFY OPMDip Buy with High FCF Yield and High MarginBuying dips for companies with high FCF yield and meaningfully high operating margin | 3.5% | 3.5% | 0.0% |
| 03272026 | PTC | PTC | Dip Buy | DB | FCFY OPMDip Buy with High FCF Yield and High MarginBuying dips for companies with high FCF yield and meaningfully high operating margin | 3.5% | 3.5% | 0.0% |
| 03202026 | ACIW | ACI Worldwide | Dip Buy | DB | P/E OPMDip Buy with Low PE and High MarginBuying dips for companies with tame PE and meaningfully high operating margin | 4.0% | 4.0% | 0.0% |
| 08312022 | ACIW | ACI Worldwide | Dip Buy | DB | FCFY OPMDip Buy with High FCF Yield and High MarginBuying dips for companies with high FCF yield and meaningfully high operating margin | 8.9% | 2.4% | -15.6% |
| 11302021 | ACIW | ACI Worldwide | Dip Buy | DB | FCFY OPMDip Buy with High FCF Yield and High MarginBuying dips for companies with high FCF yield and meaningfully high operating margin | -8.6% | -28.3% | -31.4% |
Research & Analysis
Invest in Strategies
Wealth Management
Peer Comparisons
| Peers to compare with: |
Financials
| Median | |
|---|---|
| Name | |
| Mkt Price | 51.83 |
| Mkt Cap | 19.8 |
| Rev LTM | 9,493 |
| Op Inc LTM | 1,661 |
| FCF LTM | 1,933 |
| FCF 3Y Avg | 2,158 |
| CFO LTM | 2,736 |
| CFO 3Y Avg | 2,914 |
Growth & Margins
| Median | |
|---|---|
| Name | |
| Rev Chg LTM | 4.9% |
| Rev Chg 3Y Avg | 6.3% |
| Rev Chg Q | 5.0% |
| QoQ Delta Rev Chg LTM | 1.3% |
| Op Mgn LTM | 19.0% |
| Op Mgn 3Y Avg | 19.0% |
| QoQ Delta Op Mgn LTM | -0.6% |
| CFO/Rev LTM | 27.5% |
| CFO/Rev 3Y Avg | 26.7% |
| FCF/Rev LTM | 18.1% |
| FCF/Rev 3Y Avg | 19.5% |
Valuation
| Median | |
|---|---|
| Name | |
| Mkt Cap | 19.8 |
| P/S | 2.1 |
| P/EBIT | 9.7 |
| P/E | 14.9 |
| P/CFO | 7.6 |
| Total Yield | 8.0% |
| Dividend Yield | 0.4% |
| FCF Yield 3Y Avg | 6.6% |
| D/E | 0.4 |
| Net D/E | 0.3 |
Returns
| Median | |
|---|---|
| Name | |
| 1M Rtn | -7.7% |
| 3M Rtn | -16.7% |
| 6M Rtn | -28.0% |
| 12M Rtn | -18.5% |
| 3Y Rtn | -22.3% |
| 1M Excs Rtn | -7.5% |
| 3M Excs Rtn | -14.1% |
| 6M Excs Rtn | -27.6% |
| 12M Excs Rtn | -55.4% |
| 3Y Excs Rtn | -86.5% |
Segment Financials
Revenue by Segment| $ Mil | 2025 | 2024 | 2023 | 2022 | 2021 |
|---|---|---|---|---|---|
| Billers | 686 | 629 | 592 | 586 | |
| Banks | 616 | 639 | 625 | 558 | |
| Merchants | 151 | 154 | 153 | 149 | |
| ACI Worldwide, Inc. ("ACI") On Demand | 679 | ||||
| ACI Worldwide, Inc. ("ACI") On Premise | 579 | ||||
| Total | 1,453 | 1,422 | 1,371 | 1,294 | 1,258 |
| $ Mil | 2025 | 2024 | 2023 | 2022 | 2021 |
|---|---|---|---|---|---|
| Banks | 355 | 371 | 373 | 331 | |
| Billers | 142 | 107 | 129 | 135 | |
| Merchants | 44 | 49 | 54 | 53 | |
| Stock-based compensation expense | -25 | -30 | -27 | -30 | |
| Depreciation and amortization | -122 | -127 | -133 | -140 | |
| Corporate and unallocated expenses | -175 | -167 | -186 | -205 | |
| ACI Worldwide, Inc. ("ACI") On Demand | 24 | ||||
| ACI Worldwide, Inc. ("ACI") On Premise | 302 | ||||
| Corporate | -202 | ||||
| Total | 220 | 204 | 210 | 145 | 124 |
Price Behavior
Price Behavior
| Market Price | $41.38 | |
| Market Cap ($ Bil) | 4.3 | |
| First Trading Date | 02/27/1995 | |
| Distance from 52W High | -24.6% | |
| 50 Days | 200 Days | |
| DMA Price | $40.97 | $45.85 |
| DMA Trend | down | down |
| Distance from DMA | 1.0% | -9.7% |
| 3M | 1YR | |
| Volatility | 39.1% | 34.3% |
| Downside Capture | 0.93 | 0.74 |
| Upside Capture | 174.23 | 74.21 |
| Correlation (SPY) | 40.5% | 51.6% |
ACIW Betas & Captures as of 3/31/2026
[1] Upside and downside betas calculated using positive and negative benchmark daily returns respectively
| 1M | 2M | 3M | 6M | 1Y | 3Y | |
|---|---|---|---|---|---|---|
| Beta | 0.65 | 1.43 | 1.21 | 0.80 | 1.06 | 1.12 |
| Up Beta | 0.15 | 1.54 | 2.20 | 1.19 | 1.10 | 1.24 |
| Down Beta | -0.30 | 0.21 | 0.26 | 0.42 | 1.01 | 0.99 |
| Up Capture | 195% | 234% | 128% | 53% | 69% | 131% |
| Bmk +ve Days | 7 | 16 | 27 | 65 | 139 | 424 |
| Stock +ve Days | 12 | 24 | 33 | 63 | 129 | 390 |
| Down Capture | 55% | 152% | 156% | 114% | 117% | 103% |
| Bmk -ve Days | 12 | 23 | 33 | 58 | 110 | 323 |
| Stock -ve Days | 10 | 18 | 30 | 62 | 121 | 354 |
[1] Upside and downside betas calculated using positive and negative benchmark daily returns respectively
Based On 1-Year Data
| Annualized Return | Annualized Volatility | Sharpe Ratio | Correlation with ACIW | |
|---|---|---|---|---|
| ACIW | -17.6% | 34.4% | -0.51 | - |
| Sector ETF (XLK) | 56.4% | 25.4% | 1.71 | 45.2% |
| Equity (SPY) | 28.9% | 17.3% | 1.35 | 52.1% |
| Gold (GLD) | 56.6% | 27.9% | 1.61 | -13.6% |
| Commodities (DBC) | 24.9% | 16.8% | 1.29 | -1.6% |
| Real Estate (VNQ) | 13.8% | 15.6% | 0.63 | 41.2% |
| Bitcoin (BTCUSD) | -14.5% | 44.2% | -0.23 | 24.6% |
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Based On 5-Year Data
| Annualized Return | Annualized Volatility | Sharpe Ratio | Correlation with ACIW | |
|---|---|---|---|---|
| ACIW | 1.7% | 34.6% | 0.12 | - |
| Sector ETF (XLK) | 17.2% | 24.7% | 0.63 | 46.2% |
| Equity (SPY) | 11.6% | 17.0% | 0.53 | 54.0% |
| Gold (GLD) | 22.3% | 17.8% | 1.03 | 2.8% |
| Commodities (DBC) | 11.8% | 18.8% | 0.52 | 8.9% |
| Real Estate (VNQ) | 3.9% | 18.8% | 0.11 | 47.2% |
| Bitcoin (BTCUSD) | 4.0% | 56.5% | 0.29 | 20.8% |
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Based On 10-Year Data
| Annualized Return | Annualized Volatility | Sharpe Ratio | Correlation with ACIW | |
|---|---|---|---|---|
| ACIW | 7.4% | 35.4% | 0.30 | - |
| Sector ETF (XLK) | 21.7% | 24.3% | 0.82 | 52.0% |
| Equity (SPY) | 13.9% | 17.9% | 0.67 | 58.5% |
| Gold (GLD) | 14.1% | 15.9% | 0.74 | -1.2% |
| Commodities (DBC) | 8.4% | 17.6% | 0.40 | 16.2% |
| Real Estate (VNQ) | 5.1% | 20.7% | 0.21 | 49.1% |
| Bitcoin (BTCUSD) | 67.4% | 66.9% | 1.07 | 14.7% |
Smart multi-asset allocation framework can stack odds in your favor. Learn How
Returns Analyses
Earnings Returns History
Expand for More| Forward Returns | |||
|---|---|---|---|
| Earnings Date | 1D Returns | 5D Returns | 21D Returns |
| 2/26/2026 | -4.1% | 2.3% | -1.5% |
| 11/6/2025 | 5.0% | -1.4% | -6.2% |
| 5/8/2025 | -11.7% | -10.3% | -13.8% |
| 2/27/2025 | 7.7% | 7.2% | 9.1% |
| 11/7/2024 | 8.8% | 4.2% | 2.6% |
| 8/1/2024 | 5.8% | 4.9% | 14.9% |
| 2/29/2024 | 6.3% | 0.9% | 7.2% |
| 11/2/2023 | 13.8% | 20.8% | 35.5% |
| ... | |||
| SUMMARY STATS | |||
| # Positive | 14 | 12 | 13 |
| # Negative | 7 | 9 | 8 |
| Median Positive | 5.5% | 4.8% | 7.2% |
| Median Negative | -4.1% | -7.3% | -5.0% |
| Max Positive | 13.8% | 20.8% | 35.5% |
| Max Negative | -18.6% | -15.5% | -18.4% |
SEC Filings
Expand for More| Report Date | Filing Date | Filing |
|---|---|---|
| 12/31/2025 | 02/26/2026 | 10-K |
| 09/30/2025 | 11/06/2025 | 10-Q |
| 06/30/2025 | 08/07/2025 | 10-Q |
| 03/31/2025 | 05/08/2025 | 10-Q |
| 12/31/2024 | 02/27/2025 | 10-K |
| 09/30/2024 | 11/07/2024 | 10-Q |
| 06/30/2024 | 08/01/2024 | 10-Q |
| 03/31/2024 | 04/30/2024 | 10-Q |
| 12/31/2023 | 02/29/2024 | 10-K |
| 09/30/2023 | 11/02/2023 | 10-Q |
| 06/30/2023 | 08/03/2023 | 10-Q |
| 03/31/2023 | 05/04/2023 | 10-Q |
| 12/31/2022 | 03/01/2023 | 10-K |
| 09/30/2022 | 11/02/2022 | 10-Q |
| 06/30/2022 | 08/04/2022 | 10-Q |
| 03/31/2022 | 05/05/2022 | 10-Q |
Recent Forward Guidance [BETA]
Latest: Q4 2025 Earnings Reported 2/26/2026
| Forward Guidance | Guidance Change | ||||||
|---|---|---|---|---|---|---|---|
| Metric | Low | Mid | High | % Chg | % Delta | Change | Prior |
| Q1 2026 Revenue | 405.00 Mil | 410.00 Mil | 415.00 Mil | Higher New | |||
| Q1 2026 Adjusted EBITDA | 88.00 Mil | 90.50 Mil | 93.00 Mil | Higher New | |||
| 2026 Revenue Growth | 7.0% | 8.0% | 9.0% | Higher New | |||
| 2026 Revenue | 1.88 Bil | 1.90 Bil | 1.91 Bil | 8.8% | Higher New | Actual: 1.74 Bil for 2025 | |
| 2026 Adjusted EBITDA | 530.00 Mil | 540.00 Mil | 550.00 Mil | 7.5% | Higher New | Actual: 502.50 Mil for 2025 | |
Prior: Q3 2025 Earnings Reported 11/6/2025
| Forward Guidance | Guidance Change | ||||||
|---|---|---|---|---|---|---|---|
| Metric | Low | Mid | High | % Chg | % Delta | Change | Prior |
| 2025 Revenue | 1.73 Bil | 1.74 Bil | 1.75 Bil | 2.2% | Raised | Guidance: 1.71 Bil for 2025 | |
| 2025 Adjusted EBITDA | 495.00 Mil | 502.50 Mil | 510.00 Mil | 3.1% | Raised | Guidance: 487.50 Mil for 2025 | |
Insider Activity
Expand for More| # | Owner | Title | Holding | Action | Filing Date | Price | Shares | Transacted Value | Value of Held Shares | Form |
|---|---|---|---|---|---|---|---|---|---|---|
| 1 | Kuruvilla, Abraham | Chief Technology Officer | Direct | Sell | 11122025 | 47.69 | 4,210 | 200,786 | 4,621,270 | Form |
| 2 | Estep, Janet O | Direct | Sell | 6202025 | 44.66 | 4,500 | 200,970 | 3,467,000 | Form | |
| 3 | Harman, Mary P | Direct | Sell | 6122025 | 47.48 | 7,194 | 341,535 | 1,632,570 | Form | |
| 4 | Warsop, Thomas W Iii | Director, President and CEO | Direct | Buy | 5122025 | 48.57 | 5,000 | 242,847 | 15,878,405 | Form |
| 5 | Peters, Charles E Jr | Direct | Sell | 3052025 | 57.57 | 12,940 | 744,930 | 4,653,912 | Form |
External Quote Links
| Y Finance | Barrons |
| TradingView | Morningstar |
| SeekingAlpha | ValueLine |
| Motley Fool | Robinhood |
| CNBC | Etrade |
| MarketWatch | Unusual Whales |
| YCharts | Perplexity Finance |
| FinViz |
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