🇺🇸 US Stock Screener ← Switch market ★ Elite Club ⚡ StockGenie AI

ACI Worldwide, Inc. ACIW R2K

Technology · Software - Infrastructure · United States
https://www.aciworldwide.com

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.

READ MORE ›
$43.67
-5.60% 1Y

Market & Price

Market Cap
$4.44B
Current Price
$43.67
High / Low (52W)
$53.62 / $38.47
Beta
1.01

Valuation

Stock P/E
22.06
Industry PE
32.74
Forward P/E
11.39
PEG Ratio
1.78
Book Value
$14.80
Price to Book
2.95
P/S
2.48
EV/EBITDA
13.59
Dividend Yield
-

Profitability & Returns

ROCE
15.19%
ROE
13.82%
ROA
6.80%
Profit Margin
11.51%
Op Margin
14.77%
EPS (Latest Qtr)
$0.37
EPS (TTM)
$1.98

Balance Sheet & Liquidity

Debt/Equity
0.57
Quick Ratio
0.84
Current Ratio
1.53
Debt
$854.99M
Total Assets
$3.10B
Current Assets
$1.09B
Working Capital
$383.47M

Ownership

Promoter Holding
1.22%
Chg in Prom Hold
-0.00%
FII / Inst Holding
102.92%
Chg in FII Hold
-0.00%

Financial Snapshot

Enterprise Value
$5.13B
Total Revenue (TTM)
$1.79B
EBITDA
$377.57M
Free Cash Flow
$261.64M
Operating Cash Flow
$308.86M
Shares Outstanding
101.66M
Gross Margin
49.04%
Payout Ratio
0.00%

Growth (CAGR)

Revenue 5Y
7.37%
Profit 5Y
16.82%
Revenue (YoY)
7.90%
Earnings (YoY)
-32.70%

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

Robinhood TradingView StockAnalysis

Fundamental Growth

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).

#NameCMP $P/E Mkt CapDiv 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%
Ad space

Quarterly Results

Figures in USD.

Metric Sep 2015Dec 2015Mar 2016Jun 2016Sep 2016Dec 2016Mar 2017Jun 2017Sep 2017Dec 2017Mar 2018Jun 2018Sep 2018Dec 2018Mar 2019Jun 2019Sep 2019Dec 2019Mar 2020Jun 2020Sep 2020Dec 2020Mar 2021Jun 2021Sep 2021Mar 2022Jun 2022Sep 2022Mar 2023Jun 2023Sep 2023Mar 2024Jun 2024Sep 2024Dec 2024Mar 2025Jun 2025Sep 2025Dec 2025Mar 2026
Revenue ------------------291.49M299.91M315.88M-285.19M301.67M316.91M323.08M340.43M306.59M289.68M323.32M363.01M316.02M373.48M--394.56M401.26M482.36M481.60M425.75M
Cost of Revenue -----------------------------------213.38M234.80M223.14M226.34M228.46M
Gross Profit -----------------------------------181.19M166.46M259.22M255.26M197.29M
Operating Expenses -----------------------------------122.67M131.60M131.51M146.43M139.80M
Operating Income 23.89M73.97M136.71M-26.57M-9.35M120.34M3.62M-38.44M11.42M108.04M-16.70M-2.16M28.36M116.41M-28.09M-5.88M55.32M102.41M-11.28M29.14M31.18M95.71M3.69M15.42M27.98M27.67M24.46M3.49M-24.35M10.52M61.92M9.56M53.70M--58.52M34.86M127.71M108.83M57.49M
EBITDA -----------------------------------112.74M58.91M159.48M140.04M90.28M
Interest Expense -----------------------------------14.68M14.53M14.81M13.83M12.20M
Pretax Income -----------------------------------71.64M17.87M118.12M99.04M50.42M
Tax Provision -----------------------------------12.77M5.67M26.87M34.70M12.12M
Net Income 14.78M43.77M89.14M-16.47M-9.83M66.69M-1.61M-29.81M3.39M33.16M-19.43M-14.57M15.23M87.69M-25.96M5.72M31.81M55.49M-24.43M14.07M15.87M67.15M-1.95M6.50M13.76M15.49M13.34M23.12M-32.31M-6.71M37.91M-7.75M30.89M--58.87M12.20M91.25M64.34M38.31M
Diluted EPS 0.120.360.74-0.14-0.080.56-0.01-0.250.030.28-0.17-0.130.130.74-0.220.050.270.47-0.210.120.130.56-0.020.050.120.130.120.20-0.30-0.060.35-0.070.29--0.550.120.880.620.37

Profit & Loss (Annual)

Figures in USD.

Metric Dec 2008Dec 2009Dec 2010Dec 2011Dec 2012Dec 2013Dec 2014Dec 2015Dec 2016Dec 2017Dec 2018Dec 2019Dec 2020Dec 2021Dec 2022Dec 2023Dec 2024Dec 2025
Revenue ---------1.02B1.01B1.26B1.29B-1.42B1.45B1.59B1.76B
Cost of Revenue --------------696.07M719.21M791.78M897.65M
Gross Profit --------------725.83M733.37M802.50M862.13M
Operating Expenses --------------522.00M512.96M494.37M532.22M
Operating Income 21.71M41.57M53.65M66.23M74.37M123.05M138.17M127.95M221.13M84.64M125.91M123.76M144.74M-203.84M220.41M308.13M329.91M
EBITDA --------------398.19M360.11M443.55M471.16M
Interest Expense --------------53.19M78.49M72.47M57.85M
Pretax Income --------------206.63M147.63M250.41M306.67M
Tax Provision --------------64.46M26.12M47.29M80.01M
Net Income 10.58M19.63M27.20M45.85M48.85M63.87M67.56M85.44M129.53M5.13M68.92M67.06M72.66M-142.18M121.51M203.12M226.66M
Diluted EPS 0.300.570.801.340.410.530.580.721.090.040.590.570.621.081.241.121.91-
R&D Expense 75.85M77.51M74.08M---------------

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 2007Dec 2008Dec 2009Dec 2010Dec 2011Dec 2012Dec 2013Dec 2014Dec 2015Dec 2016Dec 2017Dec 2018Dec 2019Dec 2020Dec 2021Dec 2022Dec 2023Dec 2024Dec 2025
Total Assets --590.04M601.53M664.64M1.25B1.68B1.85B1.98B1.90B1.86B2.12B3.26B3.39B-3.21B3.44B3.03B3.10B
Current Assets ---------------1.11B1.41B990.82M1.09B
Cash & Equivalents 97.01M112.97M125.92M171.31M197.10M76.33M95.06M77.30M102.24M75.75M69.71M148.50M121.40M165.37M-124.98M164.24M216.39M196.46M
Inventory -------------------
Receivables ---------------214.83M246.13M196.73M202.24M
Total Liabilities --353.98M345.91M347.31M716.53M1.14B1.27B1.32B1.15B1.10B1.07B2.13B2.18B-2.02B2.12B1.60B1.59B
Current Liabilities --195.40M270.76M227.06M266.60M345.60M378.59M384.86M376.37M321.78M296.62M611.95M905.61M-858.84M1.04B602.63M705.64M
Long Term Debt -----356.75M708.07M804.58M834.45M653.60M667.94M650.99M1.34B1.12B-1.02B963.60M889.65M776.67M
Total Debt ---------------1.14B1.08B956.43M849.07M
Total Equity 241.04M213.84M236.06M255.62M317.33M534.36M543.69M581.40M654.40M754.92M764.60M1.05B1.13B1.21B-1.19B1.32B1.42B1.52B
Shares Outstanding ---------------140.53M140.53M140.53M140.53M

Cash Flows (Annual)

Figures in USD.

Metric Dec 2008Dec 2009Dec 2010Dec 2011Dec 2012Dec 2013Dec 2014Dec 2015Dec 2016Dec 2017Dec 2018Dec 2019Dec 2020Dec 2021Dec 2022Dec 2023Dec 2024Dec 2025
Operating Cash Flow 77.83M44.22M81.31M83.46M-9.27M138.42M--99.83M146.20M183.93M132.60M314.89M-143.38M168.52M358.75M322.83M
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-45.05M7.22M
Financing Cash Flow -27.69M-14.06M-17.57M-8.72M233.90M291.64M---251.08M-98.15M-57.70M668.35M-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 70.81M41.27M76.35M72.79M-22.32M117.31M--59.02M120.48M165.67M109.51M297.09M-103.49M130.74M313.70M289.48M
Net Change in Cash --------------32.57M19.19M25.50M-6.59M
Share Buybacks 30.06M15.00M18.62M-57.84M80.91M70.00M-60.09M37.39M54.53M35.62M28.88M107.38M206.54M27.59M127.67M202.64M

Ratios (Annual)

Figures in %.

Metric Dec 2008Dec 2009Dec 2010Dec 2011Dec 2012Dec 2013Dec 2014Dec 2015Dec 2016Dec 2017Dec 2018Dec 2019Dec 2020Dec 2021Dec 2022Dec 2023Dec 2024Dec 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

Insiders
1.22%
Institutions
102.92%
Public Float
104.19%

Top Institutional Holders

#Holder% HeldSharesValue
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

Loading analyst coverage…

Latest News

Recent headlines for ACIW

No recent headlines available.

Explore More

📊 Technology Sector 🔍 All Stock Screens 📈 Technical Screens 💰 Fundamental Screens 🔄 Swing Trading Setups 📐 Chart Patterns 📅 Earnings Calendar 📋 All USA Stocks