ACIW Share Price | ACI Worldwide, Inc. Stock Analysis & Recommendation

Q: How big is ACI Worldwide, Inc.?

Market Cap: As of Jun 18, ACI Worldwide, Inc. has a market capitalization of 5,753.96 million, categorizing it as a Small Cap company.Recent Quarterly Performance: For the latest four quarters, ACI Worldwide, Inc. reported net sales of 1,672.83 million and a net profit of 269.75 million.Balance Sheet Snapshot: As of Dec 24, the company reported shareholder's funds of 1,424.33 million and total assets of 3,025.29 million.

Q: What does ACI Worldwide, Inc. do?

Overview: ACI Worldwide, Inc. develops, markets, installs, and supports software products and services focused on facilitating electronic payments, operating within the Software Products industry and classified as a small-cap company.Financial Snapshot: Most recent Net Sales: 395 Million (Quarterly Results - Mar 2025) Most recent Net Profit: 59 Million (Quarterly Results - Mar 2025) Market-cap: USD 5,753.96 Million (Small Cap)Key Metrics: P/E: 22.00 Dividend Yield: 0.00% Debt Equity: 0.43 Return on Equity: 18.29% Price to Book: 3.88Contact Details: Address: Suite 300, 3520 Kraft Road, NAPLES FL: 34105 Tel: 1 239 4034600 Website: http://www.aciworldwide.com

Q: Who are in the management team of ACI Worldwide, Inc.?

As of March 2022, the management team of ACI Worldwide, Inc. includes Mr. Odilon Almeida, who serves as the President, Chief Executive Officer, and Director. Additionally, the board features several independent directors: Mr. Charles Bobrinskoy, Ms. Janet Estep, Mr. James Hale, Dr. Didier Lamouche, and Ms. Pamela Patsley.

Q: Should I buy, sell or hold ACI Worldwide, Inc.?

Based on the latest information regarding ACI Worldwide, Inc., it appears to be a strong candidate for a buy. The company has demonstrated impressive financial performance, with significant growth in both pre-tax and net profits, showing increases of 1,410.59% and 1,123.65%, respectively. Additionally, the operating cash flow has reached a record high of USD 313.73 million.The return on capital employed (ROCE) of 16.9 indicates an attractive valuation, especially with a low enterprise value to capital employed ratio of 3.2. Furthermore, the stock is currently trading at a discount compared to its peers' historical valuations, which could present a good buying opportunity.Another positive aspect is the high institutional ownership at 100%. This suggests that knowledgeable investors have confidence in the company's fundamentals, which can be reassuring for potential buyers.Overall, given the strong financial metrics and favorable valuation, it would be advisable to consider buying ACI Worldwide, Inc.

Q: Is ACI Worldwide, Inc. overvalued or undervalued?

As of 7 August 2025, ACI Worldwide, Inc. has moved from a very attractive to a fair valuation grade. The company appears to be fairly valued based on its current metrics. Key valuation ratios include a P/E ratio of 22, an EV to EBITDA of 14.05, and a PEG ratio of 0.25, which suggests a potential for growth relative to its price. In comparison to peers, ACI Worldwide's P/E ratio of 25.62 is lower than Doximity, Inc.'s 54.88 but higher than Alarm.com Holdings, Inc.'s 22.19, indicating a competitive position within the industry. The company's recent stock performance shows a 3-year return of 133.68%, significantly outperforming the S&P 500's 70.41% during the same period, reinforcing the notion that ACI Worldwide is maintaining a solid growth trajectory despite its fair valuation.

Price Point

High/Low

1Day

52 Week

Valuation

Technical

Day's Volume

CASH

1.38 M

Shareholding (Dec 2025)

FII

10.27%

Held by 165 FIIs

DII

35.05%

Held by 67 DIIs

Promoter

0.00%

How big is ACI Worldwide, Inc.?

22-Jun-2025

As of Jun 18, ACI Worldwide, Inc. has a market capitalization of $5.75 billion, with net sales of $1.67 billion and a net profit of $269.75 million over the last four quarters.

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What does ACI Worldwide, Inc. do?

22-Jun-2025

ACI Worldwide, Inc. develops software for electronic payments and is classified as a small-cap company with a market cap of approximately $5.75 billion. As of March 2025, it reported net sales of $395 million and a net profit of $59 million.

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Who are in the management team of ACI Worldwide, Inc.?

22-Jun-2025

As of March 2022, ACI Worldwide, Inc.'s management team includes Mr. Odilon Almeida as President and CEO, along with independent directors Mr. Charles Bobrinskoy, Ms. Janet Estep, Mr. James Hale, Dr. Didier Lamouche, and Ms. Pamela Patsley.

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Should I buy, sell or hold ACI Worldwide, Inc.?

22-Jun-2025

Is ACI Worldwide, Inc. overvalued or undervalued?

20-Sep-2025

As of August 7, 2025, ACI Worldwide, Inc. is fairly valued with a P/E ratio of 22, an EV to EBITDA of 14.05, and a PEG ratio of 0.25, showing competitive positioning in the industry and a strong 3-year return of 133.68% compared to the S&P 500's 70.41%.

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Is ACI Worldwide, Inc. technically bullish or bearish?

28-Oct-2025

As of October 24, 2025, ACI Worldwide, Inc. shows a bullish technical trend supported by weekly indicators, despite some caution from monthly signals, and has outperformed the S&P 500 over three years but underperformed in the short term.

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Compare ACI Worldwide, Inc. with Similar Stocks

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Score

Click here to find our call on this stock

Strong Sell

Sell

Hold

Buy

Strong Buy

Dashboard

With a growth in Net Sales of 6.3%, the company declared Very Positive results in Sep 25

OPERATING CASH FLOW(Y) Highest at USD 327.4 MM
NET PROFIT(9M) At USD 162.32 MM has Grown at 50.29%
INTEREST COVERAGE RATIO(Q) Highest at 1,041.45

With ROCE of 15.81%, it has a fair valuation with a 2.59 Enterprise value to Capital Employed

High Institutional Holdings at 100%

Below par performance in long term as well as near term

Mojo Parameters

Stock DNA

Industry

Software Products

Market cap

USD 4,932 Million (Small Cap)

P/E

19.00

Industry P/E

Dividend Yield

0.00%

Debt Equity

0.47

Return on Equity

17.64%

Price to Book

3.33

Revenue and Profits:

Net Sales:

482 Million

(Quarterly Results - Dec 2025)

Net Profit:

64 Million

Total Returns

Total Returns (Price + Dividend)

TimePeriod

Price Return

Dividend Return

Total Return

3 Months

-18.34%

6 Months

-22.86%

1 Year

-24.9%

2 Years

24.26%

3 Years

46.4%

4 Years

18.58%

5 Years

0.54%

ACI Worldwide, Inc. for the last several years.

Risk Adjusted Returns v/s

News & Corporate Actions

News

No Recent News for the Company

Announcements

No announcement available

Corporate Actions

No corporate action available

Key Factors

Quality key factors

Factor

Value

Sales Growth (5y)

5.78%

EBIT Growth (5y)

17.02%

EBIT to Interest (avg)

3.96

Debt to EBITDA (avg)

2.48

Net Debt to Equity (avg)

0.43

Sales to Capital Employed (avg)

0.67

Tax Ratio

18.14%

Dividend Payout Ratio

Pledged Shares

Institutional Holding

100.00%

ROCE (avg)

10.99%

ROE (avg)

11.83%

Valuation key factors

Factor

Value

P/E Ratio

Industry P/E

Price to Book Value

3.33

EV to EBIT

16.38

EV to EBITDA

12.52

EV to Capital Employed

2.59

EV to Sales

3.25

PEG Ratio

1.47

Dividend Yield

ROCE (Latest)

15.81%

ROE (Latest)

17.64%

Technicals key factors

Indicator

Weekly

Monthly

MACD

Bearish

Mildly Bearish

RSI

No Signal

Bollinger Bands

Bearish

Moving Averages

Bearish (Daily)

KST

Bearish

Mildly Bearish

Dow Theory

Mildly Bullish

No Trend

OBV

Mildly Bearish

No Trend

Technical Indicator Scale: Bearish, Mildly Bearish, Sideways, Mildly Bullish, Bullish Turned

Shareholding

Shareholding Snapshot : Dec 2025

Shareholding Compare (%holding)

Majority shareholders

Domestic Funds

Held in 103 Schemes (54.61%)

Foreign Institutions

Held by 165 Foreign Institutions (10.27%)

Strategic Entities with highest holding

Highest Public shareholder

Financial

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    "link": "quarterly",
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    "header": "Quarterly Results Snapshot (Consolidated) - Dec'25 - YoY",
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        "suffix": "YoY Growth in quarter ended Dec 2025 is 6.31% vs -4.95% in Dec 2024",
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        "Dec'24",
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          "val1": "481.60",
          "val2": "453.00",
          "chgp": "6.31%",
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          "val2": "148.90",
          "chgp": "-7.25%",
          "chgp_class": "negative"
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          "field": "Interest",
          "val1": "13.80",
          "val2": "16.60",
          "chgp": "-16.87%",
          "chgp_class": "positive"
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        {
          "field": "Exceptional Items",
          "val1": "-2.10",
          "val2": "0.00",
          "chgp": "",
          "chgp_class": "neutral"
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        {
          "field": "Consolidate Net Profit",
          "val1": "64.30",
          "val2": "98.60",
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          "chgp_class": "negative"
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          "field": "Operating Profit Margin (Excl OI)",
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          "val2": "269.90%",
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        "prefix": "Consolidated Net Profit ",
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        "Dec'25",
        "Dec'24",
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          "val2": "1,594.30",
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          "chgp_class": "positive"
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          "field": "Operating Profit (PBDIT) excl Other Income",
          "val1": "445.50",
          "val2": "434.10",
          "chgp": "2.63%",
          "chgp_class": "positive"
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        {
          "field": "Interest",
          "val1": "57.80",
          "val2": "72.50",
          "chgp": "-20.28%",
          "chgp_class": "positive"
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        {
          "field": "Exceptional Items",
          "val1": "-8.90",
          "val2": "-5.30",
          "chgp": "-67.92%",
          "chgp_class": "negative"
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        {
          "field": "Consolidate Net Profit",
          "val1": "226.70",
          "val2": "203.10",
          "chgp": "11.62%",
          "chgp_class": "positive"
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        {
          "field": "Operating Profit Margin (Excl OI)",
          "val1": "192.50%",
          "val2": "196.60%",
          "chgp": "-0.41%",
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Quarterly Results Snapshot (Consolidated) - Dec'25 - YoY

Dec'25

Dec'24

Change(%)

Net Sales

481.60

453.00

6.31%

Operating Profit (PBDIT) excl Other Income

138.10

148.90

-7.25%

Interest

13.80

16.60

-16.87%

Exceptional Items

-2.10

0.00

Consolidate Net Profit

64.30

98.60

-34.79%

Operating Profit Margin (Excl OI)

230.30%

269.90%

-3.96%

USD in Million.

Compare with Peers

Net Sales

YoY Growth in quarter ended Dec 2025 is 6.31% vs -4.95% in Dec 2024

Consolidated Net Profit

YoY Growth in quarter ended Dec 2025 is -34.79% vs -19.58% in Dec 2024

All Quarterly Results

Annual Results Snapshot (Consolidated) - Dec'25

Dec'25

Dec'24

Change(%)

Net Sales

1,759.80

1,594.30

10.38%

Operating Profit (PBDIT) excl Other Income

445.50

434.10

2.63%

Interest

57.80

72.50

-20.28%

Exceptional Items

-8.90

-5.30

-67.92%

Consolidate Net Profit

226.70

203.10

11.62%

Operating Profit Margin (Excl OI)

192.50%

196.60%

-0.41%

USD in Million.

Compare with Peers

Net Sales

YoY Growth in year ended Dec 2025 is 10.38% vs 9.75% in Dec 2024

Consolidated Net Profit

YoY Growth in year ended Dec 2025 is 11.62% vs 67.16% in Dec 2024

All Annual Results

Company CV

About ACI Worldwide, Inc.

ACI Worldwide, Inc.

Software Products

ACI Worldwide, Inc. develops, markets, installs and supports a line of software products and services primarily focused on facilitating electronic payments. The Company also distributes or acts as a sales agent for software developed by third parties. Its products and services are used principally by financial institutions, retailers, billers and electronic payment processors, both in domestic and international markets. The Company's products are sold and supported through distribution networks covering three geographic regions, including the Americas, Europe/Middle East/Africa (EMEA) and Asia/Pacific. The Company's products and services are used by a range of transaction-generating endpoints, including automated teller machines (ATM), retail merchant point-of-sale (POS) terminals, bank branches, corporations and Internet commerce sites. The Company provides payment solutions to financial institutions globally for both retail banking and transaction banking services.

Company Coordinates

Company Details

Suite 300, 3520 Kraft Road , NAPLES FL : 34105

Tel: 1 239 4034600

http://www.aciworldwide.com

Registrar Details