ACI Worldwide, Inc. ACIW R2K
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 markets its products and services 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 headquartered in Elkhorn, Nebraska.
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Valuation
Profitability & Returns
Balance Sheet & Liquidity
Ownership
Financial Snapshot
Growth (CAGR)
PROS
- Profit CAGR of 16.8% over 5 years.
- Generates positive free cash flow.
CONS
- In a downtrend (50-DMA below 200-DMA).
* The pros and cons are auto-generated from financial metrics.
Price Chart
Technical Trend
Computed from daily close history using EMA cross, slope, and RSI signals.
Note: intraday data is not stored locally. “Hourly” uses the most recent 10 daily candles as a short-term proxy.
Fundamental Growth
No fundamental data available for this stock.
Figures from the latest reported periods. CAGR is computed across the displayed window (quarterly CAGR is annualised assuming 4 quarters per year).
Peer comparison
Peer companies in the same sector (Technology).
| # | Name | CMP $ | P/E | Mkt Cap | Div Yld % | ROCE % | ROE % | Rev CAGR 5Y % | Profit CAGR 5Y % |
|---|---|---|---|---|---|---|---|---|---|
| 1 | ACIW ACI Worldwide, Inc. R2K | 43.67 | 22.06 | $4.44B | - | 15.19% | 13.82% | 7.37% | 16.82% |
| 2 | NVDA NVIDIA Corporation NDXSPXAI | 211.14 | 32.38 | $5.11T | 0.47% | 81.14% | 114.29% | 100.05% | 201.80% |
| 3 | AAPL Apple Inc. NDXSPX | 312.06 | 37.73 | $4.58T | 0.35% | 68.72% | 141.47% | 1.81% | 3.92% |
| 4 | MSFT Microsoft Corporation NDXSPXAI | 450.24 | 26.82 | $3.34T | 0.81% | 26.37% | 34.01% | 12.42% | 11.87% |
| 5 | TSM Taiwan Semiconductor Manufacturing Company Limited AI | 418.45 | 35.86 | $2.17T | 0.91% | 32.04% | 36.21% | 18.94% | 19.57% |
| 6 | MU Micron Technology, Inc. NDXSPXAI | 971.00 | 45.87 | $1.10T | 0.06% | 14.20% | 39.82% | 6.71% | -0.57% |
| 7 | AMD Advanced Micro Devices, Inc. NDXSPXAI | 516.10 | 172.61 | $841.55B | - | 6.33% | 8.06% | 13.64% | 48.64% |
| 8 | ORCL Oracle Corporation SPXAI | 225.78 | 40.46 | $649.35B | 0.89% | 13.07% | 57.57% | 10.59% | 22.81% |
| 9 | ASML ASML Holding N.V. NDXAI | 1,612.76 | 53.76 | $621.59B | 0.54% | 43.81% | 52.24% | 15.55% | 19.55% |
Quarterly Results
Figures in USD.
| Metric | Sep 2015 | Dec 2015 | Mar 2016 | Jun 2016 | Sep 2016 | Dec 2016 | Mar 2017 | Jun 2017 | Sep 2017 | Dec 2017 | Mar 2018 | Jun 2018 | Sep 2018 | Dec 2018 | Mar 2019 | Jun 2019 | Sep 2019 | Dec 2019 | Mar 2020 | Jun 2020 | Sep 2020 | Dec 2020 | Mar 2021 | Jun 2021 | Sep 2021 | Mar 2022 | Jun 2022 | Sep 2022 | Mar 2023 | Jun 2023 | Sep 2023 | Mar 2024 | Jun 2024 | Sep 2024 | Dec 2024 | Mar 2025 | Jun 2025 | Sep 2025 | Dec 2025 | Mar 2026 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Revenue | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | 291.49M | 299.91M | 315.88M | - | 285.19M | 301.67M | 316.91M | 323.08M | 340.43M | 306.59M | 289.68M | 323.32M | 363.01M | 316.02M | 373.48M | - | - | 394.56M | 401.26M | 482.36M | 481.60M | 425.75M |
| Cost of Revenue | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | 213.38M | 234.80M | 223.14M | 226.34M | 228.46M |
| Gross Profit | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | 181.19M | 166.46M | 259.22M | 255.26M | 197.29M |
| Operating Expenses | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | 122.67M | 131.60M | 131.51M | 146.43M | 139.80M |
| Operating Income | 23.89M | 73.97M | 136.71M | -26.57M | -9.35M | 120.34M | 3.62M | -38.44M | 11.42M | 108.04M | -16.70M | -2.16M | 28.36M | 116.41M | -28.09M | -5.88M | 55.32M | 102.41M | -11.28M | 29.14M | 31.18M | 95.71M | 3.69M | 15.42M | 27.98M | 27.67M | 24.46M | 3.49M | -24.35M | 10.52M | 61.92M | 9.56M | 53.70M | - | - | 58.52M | 34.86M | 127.71M | 108.83M | 57.49M |
| EBITDA | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | 112.74M | 58.91M | 159.48M | 140.04M | 90.28M |
| Interest Expense | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | 14.68M | 14.53M | 14.81M | 13.83M | 12.20M |
| Pretax Income | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | 71.64M | 17.87M | 118.12M | 99.04M | 50.42M |
| Tax Provision | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | 12.77M | 5.67M | 26.87M | 34.70M | 12.12M |
| Net Income | 14.78M | 43.77M | 89.14M | -16.47M | -9.83M | 66.69M | -1.61M | -29.81M | 3.39M | 33.16M | -19.43M | -14.57M | 15.23M | 87.69M | -25.96M | 5.72M | 31.81M | 55.49M | -24.43M | 14.07M | 15.87M | 67.15M | -1.95M | 6.50M | 13.76M | 15.49M | 13.34M | 23.12M | -32.31M | -6.71M | 37.91M | -7.75M | 30.89M | - | - | 58.87M | 12.20M | 91.25M | 64.34M | 38.31M |
| Diluted EPS | 0.12 | 0.36 | 0.74 | -0.14 | -0.08 | 0.56 | -0.01 | -0.25 | 0.03 | 0.28 | -0.17 | -0.13 | 0.13 | 0.74 | -0.22 | 0.05 | 0.27 | 0.47 | -0.21 | 0.12 | 0.13 | 0.56 | -0.02 | 0.05 | 0.12 | 0.13 | 0.12 | 0.20 | -0.30 | -0.06 | 0.35 | -0.07 | 0.29 | - | - | 0.55 | 0.12 | 0.88 | 0.62 | 0.37 |
Profit & Loss (Annual)
Figures in USD.
| Metric | Dec 2008 | Dec 2009 | Dec 2010 | Dec 2011 | Dec 2012 | Dec 2013 | Dec 2014 | Dec 2015 | Dec 2016 | Dec 2017 | Dec 2018 | Dec 2019 | Dec 2020 | Dec 2021 | Dec 2022 | Dec 2023 | Dec 2024 | Dec 2025 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Revenue | - | - | - | - | - | - | - | - | - | 1.02B | 1.01B | 1.26B | 1.29B | - | 1.42B | 1.45B | 1.59B | 1.76B |
| Cost of Revenue | - | - | - | - | - | - | - | - | - | - | - | - | - | - | 696.07M | 719.21M | 791.78M | 897.65M |
| Gross Profit | - | - | - | - | - | - | - | - | - | - | - | - | - | - | 725.83M | 733.37M | 802.50M | 862.13M |
| Operating Expenses | - | - | - | - | - | - | - | - | - | - | - | - | - | - | 522.00M | 512.96M | 494.37M | 532.22M |
| Operating Income | 21.71M | 41.57M | 53.65M | 66.23M | 74.37M | 123.05M | 138.17M | 127.95M | 221.13M | 84.64M | 125.91M | 123.76M | 144.74M | - | 203.84M | 220.41M | 308.13M | 329.91M |
| EBITDA | - | - | - | - | - | - | - | - | - | - | - | - | - | - | 398.19M | 360.11M | 443.55M | 471.16M |
| Interest Expense | - | - | - | - | - | - | - | - | - | - | - | - | - | - | 53.19M | 78.49M | 72.47M | 57.85M |
| Pretax Income | - | - | - | - | - | - | - | - | - | - | - | - | - | - | 206.63M | 147.63M | 250.41M | 306.67M |
| Tax Provision | - | - | - | - | - | - | - | - | - | - | - | - | - | - | 64.46M | 26.12M | 47.29M | 80.01M |
| Net Income | 10.58M | 19.63M | 27.20M | 45.85M | 48.85M | 63.87M | 67.56M | 85.44M | 129.53M | 5.13M | 68.92M | 67.06M | 72.66M | - | 142.18M | 121.51M | 203.12M | 226.66M |
| Diluted EPS | 0.30 | 0.57 | 0.80 | 1.34 | 0.41 | 0.53 | 0.58 | 0.72 | 1.09 | 0.04 | 0.59 | 0.57 | 0.62 | 1.08 | 1.24 | 1.12 | 1.91 | - |
| R&D Expense | 75.85M | 77.51M | 74.08M | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - |
Compounded Sales Growth
| 5 Years: | 7.37% |
| 1 Year: | 7.90% |
Compounded Profit Growth
| 5 Years: | 16.82% |
| 1 Year: | -32.70% |
Stock Price Performance
| 1 Year: | -5.60% |
| 6 Months: | -7.52% |
| 3 Months: | +10.06% |
| 1 Month: | +0.16% |
Balance Sheet (Annual)
Figures in USD.
| Metric | Dec 2007 | Dec 2008 | Dec 2009 | Dec 2010 | Dec 2011 | Dec 2012 | Dec 2013 | Dec 2014 | Dec 2015 | Dec 2016 | Dec 2017 | Dec 2018 | Dec 2019 | Dec 2020 | Dec 2021 | Dec 2022 | Dec 2023 | Dec 2024 | Dec 2025 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Total Assets | - | - | 590.04M | 601.53M | 664.64M | 1.25B | 1.68B | 1.85B | 1.98B | 1.90B | 1.86B | 2.12B | 3.26B | 3.39B | - | 3.21B | 3.44B | 3.03B | 3.10B |
| Current Assets | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | 1.11B | 1.41B | 990.82M | 1.09B |
| Cash & Equivalents | 97.01M | 112.97M | 125.92M | 171.31M | 197.10M | 76.33M | 95.06M | 77.30M | 102.24M | 75.75M | 69.71M | 148.50M | 121.40M | 165.37M | - | 124.98M | 164.24M | 216.39M | 196.46M |
| Inventory | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - |
| Receivables | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | 214.83M | 246.13M | 196.73M | 202.24M |
| Total Liabilities | - | - | 353.98M | 345.91M | 347.31M | 716.53M | 1.14B | 1.27B | 1.32B | 1.15B | 1.10B | 1.07B | 2.13B | 2.18B | - | 2.02B | 2.12B | 1.60B | 1.59B |
| Current Liabilities | - | - | 195.40M | 270.76M | 227.06M | 266.60M | 345.60M | 378.59M | 384.86M | 376.37M | 321.78M | 296.62M | 611.95M | 905.61M | - | 858.84M | 1.04B | 602.63M | 705.64M |
| Long Term Debt | - | - | - | - | - | 356.75M | 708.07M | 804.58M | 834.45M | 653.60M | 667.94M | 650.99M | 1.34B | 1.12B | - | 1.02B | 963.60M | 889.65M | 776.67M |
| Total Debt | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | 1.14B | 1.08B | 956.43M | 849.07M |
| Total Equity | 241.04M | 213.84M | 236.06M | 255.62M | 317.33M | 534.36M | 543.69M | 581.40M | 654.40M | 754.92M | 764.60M | 1.05B | 1.13B | 1.21B | - | 1.19B | 1.32B | 1.42B | 1.52B |
| Shares Outstanding | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | 140.53M | 140.53M | 140.53M | 140.53M |
Cash Flows (Annual)
Figures in USD.
| Metric | Dec 2008 | Dec 2009 | Dec 2010 | Dec 2011 | Dec 2012 | Dec 2013 | Dec 2014 | Dec 2015 | Dec 2016 | Dec 2017 | Dec 2018 | Dec 2019 | Dec 2020 | Dec 2021 | Dec 2022 | Dec 2023 | Dec 2024 | Dec 2025 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Operating Cash Flow | 77.83M | 44.22M | 81.31M | 83.46M | -9.27M | 138.42M | - | - | 99.83M | 146.20M | 183.93M | 132.60M | 314.89M | - | 143.38M | 168.52M | 358.75M | 322.83M |
| Investing Cash Flow | -16.96M | -23.37M | -19.35M | -47.68M | -342.94M | -410.71M | - | - | 129.63M | -54.41M | -45.36M | -830.48M | -30.70M | - | 60.25M | -37.78M | -45.05M | 7.22M |
| Financing Cash Flow | -27.69M | -14.06M | -17.57M | -8.72M | 233.90M | 291.64M | - | - | -251.08M | -98.15M | -57.70M | 668.35M | -159.89M | - | -171.06M | -111.55M | -288.20M | -336.65M |
| Capital Expenditure | -7.02M | -2.94M | -4.96M | -10.67M | -13.05M | -21.10M | -17.63M | -27.28M | -40.81M | -25.72M | -18.27M | -23.10M | -17.80M | - | -39.89M | -37.78M | -45.05M | -33.35M |
| Free Cash Flow | 70.81M | 41.27M | 76.35M | 72.79M | -22.32M | 117.31M | - | - | 59.02M | 120.48M | 165.67M | 109.51M | 297.09M | - | 103.49M | 130.74M | 313.70M | 289.48M |
| Net Change in Cash | - | - | - | - | - | - | - | - | - | - | - | - | - | - | 32.57M | 19.19M | 25.50M | -6.59M |
| Share Buybacks | 30.06M | 15.00M | 18.62M | - | 57.84M | 80.91M | 70.00M | - | 60.09M | 37.39M | 54.53M | 35.62M | 28.88M | 107.38M | 206.54M | 27.59M | 127.67M | 202.64M |
Ratios (Annual)
Figures in %.
| Metric | Dec 2008 | Dec 2009 | Dec 2010 | Dec 2011 | Dec 2012 | Dec 2013 | Dec 2014 | Dec 2015 | Dec 2016 | Dec 2017 | Dec 2018 | Dec 2019 | Dec 2020 | Dec 2021 | Dec 2022 | Dec 2023 | Dec 2024 | Dec 2025 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Gross Margin % | - | - | - | - | - | - | - | - | - | - | - | - | - | - | 51.0% | 50.5% | 50.3% | 49.0% |
| Operating Margin % | - | - | - | - | - | - | - | - | - | 8.3% | 12.5% | 9.8% | 11.2% | - | 14.3% | 15.2% | 19.3% | 18.7% |
| Net Margin % | - | - | - | - | - | - | - | - | - | 0.5% | 6.8% | 5.3% | 5.6% | - | 10.0% | 8.4% | 12.7% | 12.9% |
| ROE % | 4.9% | 8.3% | 10.6% | 14.4% | 9.1% | 11.7% | 11.6% | 13.1% | 17.2% | 0.7% | 6.6% | 5.9% | 6.0% | - | 11.9% | 9.2% | 14.3% | 14.9% |
| ROCE % | - | 10.5% | 16.2% | 15.1% | 7.6% | 9.2% | 9.4% | 8.0% | 14.5% | 5.5% | 6.9% | 4.7% | 5.8% | - | 8.7% | 9.2% | 12.7% | 13.8% |
Shareholding Pattern
Top Institutional Holders
| # | Holder | % Held | Shares | Value |
|---|---|---|---|---|
| 1 | Blackrock Inc. | 16.74% | 17.02M | $743.18M |
| 2 | Vanguard Portfolio Management LLC | 7.92% | 8.06M | $351.82M |
| 3 | Franklin Resources, Inc. | 6.51% | 6.62M | $288.94M |
| 4 | Vanguard Capital Management LLC | 4.47% | 4.54M | $198.28M |
| 5 | State Street Corporation | 4.08% | 4.15M | $181.27M |
| 6 | Geode Capital Management, LLC | 3.12% | 3.17M | $138.64M |
| 7 | Dimensional Fund Advisors LP | 2.77% | 2.81M | $122.85M |
| 8 | Hood River Capital Management LLC | 2.35% | 2.39M | $104.43M |
| 9 | Reinhart Partners, LLC | 2.20% | 2.23M | $97.59M |
| 10 | North Reef Capital Management LP | 2.19% | 2.23M | $97.38M |
Analyst View
Analyst aggregate. Targets and ratings update periodically; not investment advice.
Latest News
Recent headlines for ACIW