ACI Worldwide (ACIW) Stock Fundamentals, Analysis & Risk Signals

Health score, price, valuation, risk signals, and key metrics at a glance.

ACI Worldwide

NasdaqGS•Technology•Software - Infrastructure

$51.33-0.25(<0.01%)Market open

Market Cap

$5.10B

P/E

22.6x

P/S

2.8x

P/B

3.4x

ACI Worldwide, Inc. develops, markets, installs, and supports software products and services for facilitating electronic payments in the United States and worldwide. It operates through Payment Software, and Billers segments. The company offers ACI Acquiring, a solution to process credit, debit, and prepaid card transactions, deliver digital innovation, fraud prevention, and reduce fees; ACI Issuing, a digital payment issuing solution; and ACI Connetic, a solution that offers payment services for processing, routing, and managing various payment types. It provides ACI real-time payments, a solution that provides connectivity to payment rails; ACI RTGS and cross-border, a payments engine that offers multi-currency, payment and STP processing, and back-office integration interfaces; and ACI digital central infrastructure, a solution that offers real-time payments service. Further, it offers ACI Payments Orchestration Platform, a payments platform that orchestrates and optimizes payments; ACI Fraud Management for merchants, billers, and financial institutions; ACI Fraud Scoring Services with artificial and human insights with data intelligence; and Speedpay, an integrated suite of digital billing, payment, disbursement, and communication services. Additionally, it offers electronic bill presentment and payment services to consumer finance, insurance, healthcare, higher education, utility, government, subscription provider, telecommunications, and mortgage sectors; product installations and configurations, and custom software modifications; and business and technical consultancy, on-site support, product education, and testing services, as well distributes software developed by third parties. It has strategic partnerships with dLocal. 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 headquartered in Elkhorn, Nebraska.

How this company scores

GoodMetricSide Score: 71/100

Strongest: Cash & Earnings Quality (23/25); weakest: Growth (15/25).

Profitability16/25

Growth15/25

Balance Sheet & Red Flags17/25

Cash & Earnings Quality23/25

Strengths

Strong marginsHigh ROECash-backed earningsConsistent free cash flow

Valuation vs. 5-year range

Today's multiple positioned against its own trailing range — a visual premium/discount check.

P/E · 22.6x5y range 14.9x – 42.7x

Currently near its 20-quarter median.

P/S · 2.8x5y range 1.7x – 3.4x

Currently near its 20-quarter median.

P/B · 3.4x5y range 2.0x – 4.0x

Watch items

Data-driven signals worth keeping an eye on across the last 8 quarters

Some Concerns

Margin Pressure

Watch

Operating margins declined 6.0% — watch for continued compression, which may signal competitive or cost pressure.

Price & Volume

Market Cap $5.10B

Metrics at a Glance

as of June 2026

Revenue & Profit

Revenue, EBITDA, operating income, net income, EPS, and shares

TTM Revenue: $1.82B
Q. Revenue: $430.42M
TTM EBITDA: $436.73M
TTM Op. Income: $338.68M
Q. Op. Income: $44.65M
TTM Net Income: $225.69M
Q. Net Income: $31.80M
EPS: $0.31
Shares Out.: $101.50M

$1.82B in TTM revenue grew 7.0% YoY, reaching $430.42M last quarter. TTM EBITDA of $436.73M and TTM operating income of $338.68M show growth is flowing through to the bottom line. TTM net income of $225.69M means revenue is converting into profit. Across the last 8 quarters, TTM revenue has risen for 6 consecutive quarters — an improving trend.

Margins

Gross, EBITDA, operating, and net margin trends

Gross Margin: 42.2%
EBITDA Margin: 15.9%
Op. Margin: 10.4%
Net Margin: 7.4%

Op. margin of 10.4% is up 1.7% YoY — cost efficiency is improving. Net margin at 7.4% and gross margin of 42.2% show how much of each revenue dollar survives to profit. Across the last 8 quarters, operating margin has fallen for 3 consecutive quarters — a weakening trend.

Price Ratios

P/E, P/S, P/B, EV/EBITDA, FCF yield, and earnings yield

P/E Ratio: 22.6x
P/S Ratio: 2.8x
P/B Ratio: 3.4x

At 22.6x P/E, the stock trades within typical market levels. P/S of 2.8x and P/B of 3.4x provide additional context. Use the growth and margin sections to judge whether the multiple is justified. Over the past year, P/E is up 18% — a weakening trend.

Assets & Liabilities

Total assets, cash, debt, book value, and leverage

Total Assets: $3.10B
Cash: $167.40M
Long-Term Debt: $781.20M
Book Value: $1.50B
D/E Ratio: 0.5
Debt/EBITDA: 11.4

With $3.10B in assets and $781.20M in long-term debt, D/E is 0.5and book value is $1.50B — a conservative capital structure with a cushion to weather downturns. Over the past year, debt/equity is down 15% — a weakening trend.

Cash Flow

Operating cash flow, free cash flow, FCF margin, and earnings quality

Op. Cash Flow: $70.79M
TTM Free Cash Flow: $311.41M
FCF Margin: 17.1%
FCF / Net Income: 1.4

TTM FCF of $311.41M on $70.79M in operating cash flow. The FCF / Net Income ratio of 1.4x means free cash flow covers net income — earnings are backed by cash. Over the past year, free cash flow is up 6% — an improving trend.