ACI Worldwide (ACIW) AI Stock Analysis

• Market Cap: $5.22B
• Dividend Yield: N/A
• Average Volume (3M): 688.80K
• Price to Earnings (P/E): 19.8
• Beta (1Y): 1.03
• Revenue Growth: 7.01%
• EPS Growth: 17.48%
• Country: US
• Employees: 3,103
• Sector: Technology
• Sector Strength: 88
• Industry: Software - Infrastructure
• EPS (TTM): 0.88
• Shares Outstanding: 103,192,070
• 10 Day Avg. Volume: 798,691
• 30 Day Avg. Volume: 688,798
• PEG Ratio: 0.37
• Price to Book (P/B): 3.84
• Price to Sales (P/S): 3.43
• P/FCF Ratio: 15.95
• Enterprise Value/Market Cap: 1.19
• Enterprise Value/Revenue: 3.58
• Enterprise Value/Gross Profit: 7.42
• Enterprise Value/Ebitda: 12.79
• 1Y Price Target: $66.00
• Price Target Upside: 34.80% Upside
• Rating Consensus: Moderate Buy
• Number of Analyst Covering: 2
• EPS Forecast (FY): 2.33
• Revenue Forecast (FY): $1.74B

• Rating: 77 Outperform
• Price Target: $57.00 ▲(16.42% Upside)

ACI Worldwide's overall stock score is driven by strong financial performance and positive earnings call sentiment, which highlight robust revenue growth and increased shareholder returns. Technical analysis and valuation present moderate scores, reflecting mixed market signals and a fair valuation.

Positive Factors

Revenue Growth

Sustained revenue growth indicates strong market demand and effective sales strategies, supporting long-term business expansion.

Cash Flow Generation

Robust cash flow generation enhances financial flexibility, allowing for reinvestment in growth initiatives and shareholder returns.

Product Innovation

Innovative products like ACI Connetic strengthen competitive positioning and open new revenue streams, driving future growth.

Negative Factors

Debt Levels

While leverage is manageable, further debt reduction could enhance financial stability and reduce interest burden.

Foreign Exchange Impact

Currency fluctuations can impact revenue growth, potentially affecting profitability and financial projections.

Cash Flow from Operations

A decline in operational cash flow may signal challenges in working capital management, affecting liquidity and operational efficiency.

ACI Worldwide Business Overview & Revenue Model

Company Description

ACI Worldwide (ACIW) is a global provider of electronic payment systems and software solutions for banks, processors, and merchants. The company specializes in enabling real-time payments, fraud detection, and transaction management across various payment channels. ACI's core products include its Universal Payments platform, which supports a wide range of payment types, and its services cater to the needs of financial institutions and large retailers looking to streamline their payment processes and enhance customer experiences.

How the Company Makes Money

ACI Worldwide generates revenue primarily through software licensing, maintenance, and transaction fees. The company offers its products on a subscription basis, providing a steady stream of recurring revenue. Additionally, ACI earns money from professional services, which include consulting, implementation, and support for its software solutions. Significant partnerships with banks and payment processors enhance ACI's market reach and drive revenue growth, as these partnerships often involve long-term contracts that provide ongoing service fees. The increasing demand for real-time payment solutions and fraud prevention services, particularly in the digital commerce space, further contributes to ACI's earnings potential.

ACI Worldwide Financial Statement Overview

Summary

ACI Worldwide demonstrates strong financial performance with robust revenue growth, healthy profitability margins, and effective cash flow management. The company maintains a stable balance sheet with manageable leverage, although further debt reduction could enhance financial stability.

Income Statement

ACI Worldwide shows strong revenue growth with a TTM increase of 1.8% and consistent improvement over the past years. The company maintains healthy margins, with a TTM gross profit margin of 50.28% and a net profit margin of 14.76%. EBIT and EBITDA margins are also robust at 21.83% and 28.50%, respectively, indicating efficient cost management and operational effectiveness.

Balance Sheet

The balance sheet reflects a stable financial position with a debt-to-equity ratio of 0.68, showing manageable leverage. Return on equity is strong at 17.84%, indicating effective use of equity capital. The equity ratio stands at 46.78%, suggesting a solid equity base relative to total assets, although there is room for improvement in reducing debt levels.

Cash Flow

Cash flow analysis reveals a significant free cash flow growth of 59.9% TTM, highlighting strong cash generation capabilities. The operating cash flow to net income ratio is 1.26, and the free cash flow to net income ratio is 0.99, indicating efficient conversion of earnings into cash. These metrics suggest strong liquidity and financial flexibility.

Breakdown	TTM	Dec 2024	Dec 2023	Dec 2022	Dec 2021	Dec 2020
Income Statement
Total Revenue	1.73B	1.59B	1.45B	1.42B	1.37B	1.29B
Gross Profit	835.68M	802.50M	733.37M	725.83M	731.73M	671.86M
EBITDA	484.64M	443.55M	360.11M	398.19M	364.03M	319.02M
Net Income	260.88M	203.12M	121.51M	142.18M	127.79M	72.66M
Balance Sheet
Total Assets	3.16B	3.03B	3.44B	3.21B	3.16B	3.39B
Cash, Cash Equivalents and Short-Term Investments	199.27M	216.39M	164.24M	124.98M	122.06M	165.37M
Total Debt	891.03M	956.43M	1.08B	1.14B	1.12B	1.21B
Total Liabilities	1.68B	1.60B	2.12B	2.02B	1.91B	2.18B
Stockholders Equity	1.48B	1.42B	1.32B	1.19B	1.24B	1.21B
Cash Flow
Free Cash Flow	305.98M	343.35M	130.74M	103.49M	175.10M	289.67M
Operating Cash Flow	327.40M	358.75M	168.52M	143.38M	220.47M	336.30M
Investing Cash Flow	6.24M	-45.05M	-37.78M	60.25M	-45.37M	-30.70M
Financing Cash Flow	-352.87M	-288.20M	-111.55M	-171.06M	-256.88M	-261.57M

ACI Worldwide Technical Analysis

• Technical Analysis Sentiment: Neutral
• Last Price: 48.96
• 50DMA: Negative
• 100DMA: Positive
• 200DMA: Negative
• MACD: Negative
• RSI: Neutral
• STOCH: Neutral

Evaluating momentum and price trends is crucial in stock analysis to make informed investment decisions. For ACIW, the sentiment is Neutral. The current price of 48.96 is below the 20-day moving average (MA) of 49.18, below the 50-day MA of 50.47, and below the 200-day MA of 49.62, indicating a bearish trend. The MACD of -0.56 indicates Negative momentum. The RSI at 47.38 is Neutral, neither overbought nor oversold. The STOCH value of 50.08 is Neutral, not indicating any strong overbought or oversold conditions. Overall, these indicators collectively point to a Neutral sentiment for ACIW.

ACI Worldwide Peers Comparison

Name	Overall Rating	Market Cap	P/E Ratio	ROE	Dividend Yield	Revenue Growth	EPS Growth
ACIW	77 Outperform	$5.22B	19.80	18.58%	―	7.01%	17.48%
ODD	71 Outperform	$2.23B	21.75	30.36%	―	26.12%	28.03%
EVTC	70 Outperform	$1.80B	13.19	25.05%	0.73%	9.67%	75.67%
WEX	69 Neutral	$5.00B	18.92	20.30%	―	-1.15%	-2.52%
EEFT	66 Neutral	$3.09B	10.70	23.10%	―	7.25%	-1.12%
Sector *	61 Neutral	$37.18B	12.37	-10.20%	1.83%	8.50%	-7.62%
STNE	51 Neutral	$4.57B	―	-8.77%	―	-25.51%	-139.28%

ACI Worldwide Corporate Events

ACI Worldwide Reports Strong Q3 2025 Results

ACI Worldwide, Inc., a prominent player in the global payments technology sector, specializes in providing innovative software solutions that facilitate real-time payments orchestration for banks, billers, and merchants.

ACI Worldwide Reports Record Growth and Raises Guidance

In the latest earnings call, ACI Worldwide, Inc. showcased a robust financial performance, marked by record revenue growth, successful product launches, and enhanced shareholder returns. Despite facing moderate challenges such as currency impacts and slower growth in the Payment Software segment, the overall sentiment was optimistic, with the company raising its guidance for the full year.

ACI Worldwide Announces $500 Million Share Buyback

ACI Worldwide reported a strong financial performance for the third quarter and year-to-date 2025, with a 7% increase in Q3 revenue and a 12% rise in year-to-date revenue compared to the previous year. The company also announced a $500 million share repurchase authorization and raised its full-year 2025 guidance for revenue and adjusted EBITDA. The introduction of ACI Connetic, a new cloud-native payments hub, and the successful Payments Unleashed summit highlight ACI’s commitment to innovation and operational excellence, positioning it for continued growth and value creation for shareholders.

The most recent analyst rating on (ACIW) stock is a Buy with a $55.00 price target. To see the full list of analyst forecasts on ACI Worldwide stock, see the ACIW Stock Forecast page.

ACI Worldwide Appoints New Independent Directors

On September 25, 2025, ACI Worldwide appointed Todd Ford and Didier Lamouche as independent directors to its Board of Directors, effective until the 2026 Annual Meeting of Stockholders. This strategic move is part of ACI’s commitment to enhance its board with experienced leaders, as Ford brings expertise in SaaS and financial operations, while Lamouche offers extensive experience in global technology leadership. Their appointments are expected to support ACI’s focus on sustainable growth and delivering industry-leading software solutions.

The most recent analyst rating on (ACIW) stock is a Buy with a $53.00 price target. To see the full list of analyst forecasts on ACI Worldwide stock, see the ACIW Stock Forecast page.

ACI Worldwide Restructures Leadership, Eliminates CRO Position

On September 30, 2025, ACI Worldwide will eliminate the Chief Revenue Officer position, with responsibilities being taken over by general managers of payment software and biller segments, as well as regional sales leaders. Consequently, Alessandro Silva will leave the company, receiving standard severance benefits, which may impact the company’s operational structure and leadership dynamics.

The most recent analyst rating on (ACIW) stock is a Buy with a $53.00 price target. To see the full list of analyst forecasts on ACI Worldwide stock, see the ACIW Stock Forecast page.

ACI Worldwide Reports Strong Q2 Earnings and Raises 2025 Guidance

The recent earnings call for ACI Worldwide, Inc. painted a picture of robust performance and strategic growth. Despite some challenges in specific segments, the overall sentiment was positive, driven by significant revenue growth, innovative product launches, and commendable recognition in the fintech industry. The company’s outlook remains optimistic, with raised guidance for 2025 indicating confidence in future performance.

ACI Worldwide Reports Strong Revenue Growth in Q2 2025

ACI Worldwide, Inc. is a leading innovator in global payments technology, providing transformative software solutions that enable real-time payments orchestration for banks, billers, and merchants. The company is known for its extensive experience in the payments industry and its commitment to modernizing payment infrastructures securely and efficiently.

ACI Worldwide Reports Strong Q2 2025 Financial Performance

ACI Worldwide reported a strong financial performance for the quarter ending June 30, 2025, with a 7% increase in Q2 revenue and a 15% rise in year-to-date revenue compared to the previous year. The company also saw significant growth in its Payment Software and Biller segments, and repurchased 2.4 million shares, enhancing shareholder value. ACI raised its full-year 2025 guidance for revenue and adjusted EBITDA, reflecting the positive impact of organizational improvements and strategic opportunities, while continuing to focus on developing its Connetic payments hub platform.

The most recent analyst rating on (ACIW) stock is a Buy with a $66.00 price target. To see the full list of analyst forecasts on ACI Worldwide stock, see the ACIW Stock Forecast page.