ACI Worldwide, Inc. ACIW R2KR3KTECH
Company Overview
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.
Why Investors Should Care
Net profit has compounded at 19.8% per year over the last five years.
Trades at a P/E of 24.3, below the sector median of 32.4.
Generates positive free cash flow, funding growth and shareholder returns internally.
Recent Developments
- Dec 2025 Revenue of $1.76B (+10.4% YoY); net profit $226.66M.
- Trailing 12 Months Year-on-year growth — revenue +7.9%, earnings -32.7%.
- 5-Year Trend Long-term compounding — revenue CAGR 8.8%, profit CAGR 19.8%.
Growth & Price Performance
Compounded Sales Growth
| 5 Years: | 8.83% |
| 1 Year: | 7.90% |
Compounded Profit Growth
| 5 Years: | 19.75% |
| 1 Year: | -32.70% |
Stock Price Performance
| 1 Year: | +11.97% |
| 6 Months: | +24.44% |
| 3 Months: | +23.71% |
| 1 Month: | -4.11% |
Highlights auto-generated from reported financials and price data; not investment advice. Verify with official filings before acting.
- Price vs 50-DMABelow
- Price vs 200-DMAAbove
- RSI (14)48.42 · Neutral
P/E of 24.29 is below the sector median of 32.42 — relatively cheaper than peers.
Auto-generated from price history and fundamentals; not investment advice.
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 Charts
No fundamental data available for this stock.
Interactive charts for Revenue, Net Income, EBITDA, Free Cash Flow, EPS, ROE, ROCE, Gross/Net/Operating Margin and more — switch metric and period using the dropdowns above. CAGR is computed across the displayed window (quarterly CAGR is annualised). Visual growth charts make it easy to spot multi-year compounding trends at a glance — far faster than reading raw numbers in a table.
PROS
- Profit CAGR of 19.8% over 5 years.
- Generates positive free cash flow.
- In a confirmed uptrend (50-DMA above 200-DMA).
CONS
No notable concerns flagged.
* The pros and cons are auto-generated from financial metrics.
Valuation
Growth (CAGR)
Profitability & Returns
Balance Sheet & Liquidity
Ownership
Financial Snapshot
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. R2KR3KTECH | 52.95 | 24.29 | $5.38B | 0.00% | 13.75% | 13.82% | 8.83% | 19.75% |
| 2 | NVDA NVIDIA Corporation NDXSPXR3KAITECH | 230.36 | 35.28 | $5.58T | 0.46% | 74.66% | 114.29% | 24.64% | 32.12% |
| 3 | AAPL Apple Inc. NDXSPXR3KTECH | 319.97 | 36.69 | $4.67T | 0.35% | 68.72% | 148.75% | 1.81% | 3.92% |
| 4 | MSFT Microsoft Corporation NDXSPXR3KAITECH | 499.70 | 27.85 | $3.71T | 0.73% | 26.33% | 34.04% | 9.93% | 11.90% |
| 5 | TSM Taiwan Semiconductor Manufacturing Company Limited AITECH | 426.34 | 37.46 | $2.21T | 0.91% | 30.20% | 39.97% | 18.94% | 19.57% |
| 6 | AVGO Broadcom Inc. NDXSPXR3KAITECH | 357.90 | 59.55 | $1.70T | 0.62% | 16.70% | 37.28% | 17.04% | 54.08% |
| 7 | MU Micron Technology, Inc. NDXSPXR3KAITECH | 1,016.59 | 22.97 | $1.15T | 0.06% | 13.69% | 66.64% | 13.68% | 26.02% |
| 8 | AMD Advanced Micro Devices, Inc. NDXSPXR3KAITECH | 477.57 | 122.14 | $779.62B | 0.00% | 5.47% | 10.20% | 11.81% | 66.28% |
| 9 | ASML ASML Holding N.V. NDXAITECH | 1,714.88 | 58.49 | $658.69B | 0.53% | 42.97% | 53.94% | 15.55% | 19.55% |
Financial Statements Quarterly Results · Profit & Loss · Balance Sheet · Cash Flows · Ratios
Quarterly Results
Figures in USD.
| Metric | 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 | Jun 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 | 430.42M |
| 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 | 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 | 44.65M |
| 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 | 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 | 31.80M |
| Diluted EPS | 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 | 0.31 |
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 | 417.65M | 405.75M | 418.42M | 465.10M | 666.58M | 864.93M | 1.02B | 1.05B | 1.01B | 1.02B | 1.01B | 1.26B | 1.29B | 1.37B | 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 | 209.90M | 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 | 127.79M | 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 | 2.16 |
| R&D Expense | 75.85M | 77.51M | 74.08M | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - |
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 % | 5.2% | 10.2% | 12.8% | 14.2% | 11.2% | 14.2% | 13.6% | 12.2% | 22.0% | 8.3% | 12.5% | 9.8% | 11.2% | 15.3% | 14.3% | 15.2% | 19.3% | 18.7% |
| Net Margin % | 2.5% | 4.8% | 6.5% | 9.9% | 7.3% | 7.4% | 6.6% | 8.2% | 12.9% | 0.5% | 6.8% | 5.3% | 5.6% | 9.3% | 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. | 16.23% | 16.38M | $881.81M |
| 2 | Vanguard Portfolio Management LLC | 8.04% | 8.11M | $436.67M |
| 3 | Franklin Resources, Inc. | 6.63% | 6.70M | $360.40M |
| 4 | FMR, LLC | 6.48% | 6.55M | $352.36M |
| 5 | Vanguard Capital Management LLC | 4.54% | 4.59M | $246.92M |
| 6 | State Street Corporation | 4.25% | 4.29M | $231.19M |
| 7 | Geode Capital Management, LLC | 3.37% | 3.40M | $182.97M |
| 8 | Dimensional Fund Advisors LP | 3.13% | 3.16M | $169.86M |
| 9 | Fuller & Thaler Asset Management Inc. | 2.71% | 2.73M | $147.08M |
| 10 | North Reef Capital Management LP | 2.59% | 2.62M | $140.87M |
Analyst View
Analyst aggregate. Targets and ratings update periodically; not investment advice.
Latest News
Recent headlines for ACIW
ACI buys UK payments tech firm
The deal for Cranium Ventures and its cloud-based card-payments technology aims to help ACI expand in card infrastructure.
ACI Worldwide to Add Microservices Card Switching to ACI Connetic for Cards via Acquisition of Cranium Ventures
OMAHA, Neb., September 01, 2026--ACI Worldwide (NASDAQ: ACIW), an original innovator in global payments technology, today announced it has entered into a definitive agreement to acquire Cranium Ventures, a privately held developer of cloud-…
Retailers Rank Richer Payments Data as the Top Benefit of Payments Orchestration, New ACI Worldwide Research Finds
OMAHA, Neb., August 27, 2026--Access to richer payments performance data across all channels was the payments orchestration benefit retail payments professionals selected most often, at 47%, according to new research from ACI Worldwide (NAS…
Inter Pag Selects ACI Worldwide to Advance Intelligent Payments Orchestration in Brazil
OMAHA, Neb. & SÃO PAULO, August 21, 2026--ACI Worldwide (NASDAQ: ACIW), an original innovator in global payments technology, and Inter Pag, the merchant acquiring business of Banco Inter, today announced a strategic partnership to help powe…
ACI Worldwide Inc (ACIW) (Q2 2026) Earnings Call Highlights: Strong Growth and Raised Guidance ...
ACI Worldwide Inc (ACIW) reports 7% revenue growth and raises full-year guidance, driven by robust payment software performance and AI-driven efficiencies.
ACI Worldwide Q2 Earnings Call Highlights
ACI Worldwide (NASDAQ:ACIW) reported second-quarter 2026 revenue growth of 7% and raised its full-year outlook, citing momentum in its Payment Software business, continued adoption of its cloud-native platforms and expanding customer modern…
ACIW — Frequently Asked Questions
What is the current share price of ACI Worldwide, Inc. (ACIW)?
As of 2026-09-07 16:24 PDT, ACI Worldwide, Inc. (ACIW) trades at $52.95 on NasdaqGS. Its 52-week range is $38.47 to $60.18.
What is the market capitalisation of ACIW?
ACI Worldwide, Inc. (ACIW) has a market capitalisation of $5.38B on NasdaqGS.
What is the P/E ratio of ACIW?
ACIW trades at a trailing price-to-earnings (P/E) ratio of 24.29. The industry average P/E is 32.42. Its price-to-book (P/B) ratio is 3.63.
What is the return on equity (ROE) of ACIW?
ACIW has a return on equity (ROE) of 13.82%. Its return on capital employed (ROCE) is 13.75%.
Is ACIW a good stock to buy?
This page provides a data-driven analysis of ACI Worldwide, Inc. (ACIW), including valuation ratios, profitability, growth trends, auto-generated pros and cons, peer comparison and AI exposure. Review these fundamentals alongside your own research and risk tolerance. This is informational content, not investment advice.