ACI Worldwide, Inc. ACIW R2K
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 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.
Why Investors Should Care
Return on capital employed stands at 15.2%.
Net profit has compounded at 16.8% per year over the last five years.
Trades at a P/E of 27.8, below the sector median of 36.0.
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 7.4%, profit CAGR 16.8%.
Growth & Price Performance
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: | +24.01% |
| 6 Months: | +17.83% |
| 3 Months: | +33.63% |
| 1 Month: | +24.23% |
Highlights auto-generated from reported financials and price data; not investment advice. Verify with official filings before acting.
- Price vs 50-DMAAbove
- Price vs 200-DMAAbove
- Golden Cross4d ago
- RSI (14)71.69 · Overbought
P/E of 27.83 is below the sector median of 36.02 — 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 16.8% 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. R2K | 55.11 | 27.83 | $5.60B | 0.00% | 15.19% | 13.82% | 7.37% | 16.82% |
| 2 | NVDA NVIDIA Corporation NDXSPXAI | 211.80 | 32.43 | $5.13T | 0.49% | 74.66% | 114.29% | 24.64% | 32.12% |
| 3 | AAPL Apple Inc. NDXSPX | 314.86 | 38.07 | $4.62T | 0.37% | 68.72% | 141.47% | 1.81% | 3.92% |
| 4 | MSFT Microsoft Corporation NDXSPXAI | 384.93 | 22.91 | $2.86T | 0.93% | 26.90% | 34.01% | 9.48% | 10.85% |
| 5 | TSM Taiwan Semiconductor Manufacturing Company Limited AI | 420.39 | 36.18 | $2.18T | 0.90% | 30.20% | 36.21% | 18.94% | 19.57% |
| 6 | AVGO Broadcom Inc. NDXSPXAI | 389.11 | 64.85 | $1.85T | 0.68% | 16.70% | 37.28% | 24.38% | 26.24% |
| 7 | MU Micron Technology, Inc. NDXSPXAI | 983.12 | 46.37 | $1.11T | 0.06% | 13.69% | 39.82% | 13.68% | 26.02% |
| 8 | AMD Advanced Micro Devices, Inc. NDXSPXAI | 548.13 | 181.50 | $893.78B | 0.00% | 6.33% | 8.06% | 13.64% | 48.64% |
| 9 | ASML ASML Holding N.V. NDXAI | 1,775.64 | 59.55 | $684.36B | 0.47% | 42.97% | 52.24% | 15.55% | 19.55% |
Financial Statements Quarterly Results · Profit & Loss · Balance Sheet · Cash Flows · Ratios
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 | 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% |
Analyst View
Analyst aggregate. Targets and ratings update periodically; not investment advice.
Latest News
Recent headlines for ACIW
Is ACI Worldwide (ACIW) Stock Outpacing Its Computer and Technology Peers This Year?
Here is how ACI Worldwide (ACIW) and Amphenol (APH) have performed compared to their sector so far this year.
ACI Worldwide (ACIW) Surges 5.6%: Is This an Indication of Further Gains?
ACI Worldwide (ACIW) witnessed a jump in share price last session on above-average trading volume. The latest trend in earnings estimate revisions for the stock doesn't suggest further strength down the road.…
Six in Ten UK Consumers Would Stop Using an AI Shopping Agent After One Mistake, ACI Survey Finds
LONDON, June 29, 2026--New research from ACI Worldwide (NASDAQ: ACIW), an original innovator in global payments technology, reveals a significant trust gap between artificial intelligence and human decision-makers, highlighting a key barrie…
Do Options Traders Know Something About ACI Worldwide Stock We Don't?
Investors need to pay close attention to ACIW stock based on the movements in the options market lately.
FIFA World Cup: Fraud Attempts Surged More Than Threefold at Past World Cups, ACI Worldwide Finds
OMAHA, Neb., June 18, 2026--As the 2026 FIFA World Cup gets underway, new analysis from ACI Worldwide (NASDAQ: ACIW), an original innovator in global payments technology, shows that the fraud patterns seen around previous major tournaments …
ACI Worldwide Powers Rabobank’s Wero Instant Payments, Advancing Europe’s Real-Time Payments Transformation
OMAHA, Neb., June 16, 2026--ACI Worldwide (NASDAQ: ACIW), an original innovator in global payments technology, today announced that Rabobank, a leading Dutch bank and one of Europe’s largest financial institutions, is advancing the migratio…
ACIW — Frequently Asked Questions
What is the current share price of ACI Worldwide, Inc. (ACIW)?
As of 2026-07-14 21:23 PDT, ACI Worldwide, Inc. (ACIW) trades at $55.11 on NasdaqGS. Its 52-week range is $38.47 to $56.43.
What is the market capitalisation of ACIW?
ACI Worldwide, Inc. (ACIW) has a market capitalisation of $5.60B on NasdaqGS.
What is the P/E ratio of ACIW?
ACIW trades at a trailing price-to-earnings (P/E) ratio of 27.83. The industry average P/E is 36.02. Its price-to-book (P/B) ratio is 3.06.
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 15.19%.
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.