(ACIW) ACI Worldwide - Overview
Stock: Payment Processing, Fraud Management, Digital Billing, Account-To-Account
EPS (Earnings per Share)
Revenue
| Risk 5d forecast | |
|---|---|
| Volatility | 37.6% |
| Relative Tail Risk | -8.89% |
| Reward TTM | |
|---|---|
| Sharpe Ratio | -0.64 |
| Alpha | -39.15 |
| Character TTM | |
|---|---|
| Beta | 1.053 |
| Beta Downside | 1.030 |
| Drawdowns 3y | |
|---|---|
| Max DD | 33.24% |
| CAGR/Max DD | 0.47 |
Description: ACIW ACI Worldwide January 08, 2026
Aci Worldwide (NASDAQ: ACIW) builds and supports enterprise-grade software that enables banks, merchants and billers to capture, route and settle electronic payments worldwide. Its core suite includes the Acquiring platform for card processing, the Issuing solution for digital card creation, and the Enterprise Payments Platform that orchestrates omni-channel transactions while embedding fraud-prevention and interchange-fee optimization.
In FY 2023 the company reported $1.5 billion in revenue, growing ~8 % YoY, with a recurring-revenue-rate (RRR) of roughly 70 % and an average transaction volume exceeding 30 billion per year-metrics that suggest strong stickiness in a market where global digital-payment volumes are projected to expand at a 12 % CAGR through 2028. Key economic drivers include rising e-commerce penetration, the shift toward real-time account-to-account transfers, and tighter regulatory scrutiny that fuels demand for integrated compliance and fraud-management tools.
Given ACI’s positioning in the Application-Software sub-industry and its exposure to high-growth sectors such as fintech, healthcare billing and utilities, investors should monitor its ability to capture share of the emerging “unified payments” ecosystem, especially as open-banking APIs mature. For a deeper, data-driven dive into valuation levers and scenario analysis, you may find ValueRay’s platform a useful next step.
Piotroski VR‑10 (Strict, 0-10) 8.0
| Net Income: 260.9m TTM > 0 and > 6% of Revenue |
| FCF/TA: 0.10 > 0.02 and ΔFCF/TA -0.43 > 1.0 |
| NWC/Revenue: 24.63% < 20% (prev 24.00%; Δ 0.63% < -1%) |
| CFO/TA 0.10 > 3% & CFO 327.5m > Net Income 260.9m |
| Net Debt (715.8m) to EBITDA (484.6m): 1.48 < 3 |
| Current Ratio: 1.58 > 1.5 & < 3 |
| Outstanding Shares: last quarter (103.9m) vs 12m ago -2.00% < -2% |
| Gross Margin: 49.67% > 18% (prev 0.52%; Δ 4914 % > 0.5%) |
| Asset Turnover: 55.36% > 50% (prev 52.31%; Δ 3.06% > 0%) |
| Interest Coverage Ratio: 6.24 > 6 (EBITDA TTM 484.6m / Interest Expense TTM 60.7m) |
Altman Z'' 4.55
| A: 0.13 (Total Current Assets 1.16b - Total Current Liabilities 737.1m) / Total Assets 3.16b |
| B: 0.56 (Retained Earnings 1.76b / Total Assets 3.16b) |
| C: 0.12 (EBIT TTM 378.5m / Avg Total Assets 3.13b) |
| D: 0.99 (Book Value of Equity 1.66b / Total Liabilities 1.68b) |
| Altman-Z'' Score: 4.55 = AA |
Beneish M -2.15
| DSRI: 2.00 (Receivables 907.0m/424.5m, Revenue 1.73b/1.62b) |
| GMI: 1.05 (GM 49.67% / 52.20%) |
| AQI: 0.97 (AQ_t 0.61 / AQ_t-1 0.63) |
| SGI: 1.07 (Revenue 1.73b / 1.62b) |
| TATA: -0.02 (NI 260.9m - CFO 327.5m) / TA 3.16b) |
| Beneish M-Score: -2.15 (Cap -4..+1) = BB |
What is the price of ACIW shares?
Over the past week, the price has changed by -2.49%, over one month by -7.04%, over three months by -16.49% and over the past year by -21.75%.
Is ACIW a buy, sell or hold?
- StrongBuy: 4
- Buy: 0
- Hold: 3
- Sell: 0
- StrongSell: 0
What are the forecasts/targets for the ACIW price?
| Issuer | Target | Up/Down from current |
|---|---|---|
| Wallstreet Target Price | 63.2 | 49.5% |
| Analysts Target Price | 63.2 | 49.5% |
| ValueRay Target Price | 40.6 | -3.9% |
ACIW Fundamental Data Overview February 03, 2026
P/E Forward = 12.6743
P/S = 2.5845
P/B = 3.0107
P/EG = -3.24
Revenue TTM = 1.73b USD
EBIT TTM = 378.5m USD
EBITDA TTM = 484.6m USD
Long Term Debt = 826.9m USD (from longTermDebt, last quarter)
Short Term Debt = 65.0m USD (from shortTermDebt, last quarter)
Debt = 915.1m USD (from shortLongTermDebtTotal, last quarter)
Net Debt = 715.8m USD (from netDebt column, last quarter)
Enterprise Value = 5.19b USD (4.47b + Debt 915.1m - CCE 199.3m)
Interest Coverage Ratio = 6.24 (Ebit TTM 378.5m / Interest Expense TTM 60.7m)
EV/FCF = 17.26x (Enterprise Value 5.19b / FCF TTM 300.7m)
FCF Yield = 5.79% (FCF TTM 300.7m / Enterprise Value 5.19b)
FCF Margin = 17.37% (FCF TTM 300.7m / Revenue TTM 1.73b)
Net Margin = 15.07% (Net Income TTM 260.9m / Revenue TTM 1.73b)
Gross Margin = 49.67% ((Revenue TTM 1.73b - Cost of Revenue TTM 871.4m) / Revenue TTM)
Gross Margin QoQ = 53.74% (prev 41.48%)
Tobins Q-Ratio = 1.64 (Enterprise Value 5.19b / Total Assets 3.16b)
Interest Expense / Debt = 1.62% (Interest Expense 14.8m / Debt 915.1m)
Taxrate = 22.75% (26.9m / 118.1m)
NOPAT = 292.4m (EBIT 378.5m * (1 - 22.75%))
Current Ratio = 1.58 (Total Current Assets 1.16b / Total Current Liabilities 737.1m)
Debt / Equity = 0.62 (Debt 915.1m / totalStockholderEquity, last quarter 1.48b)
Debt / EBITDA = 1.48 (Net Debt 715.8m / EBITDA 484.6m)
Debt / FCF = 2.38 (Net Debt 715.8m / FCF TTM 300.7m)
Total Stockholder Equity = 1.44b (last 4 quarters mean from totalStockholderEquity)
RoA = 8.34% (Net Income 260.9m / Total Assets 3.16b)
RoE = 18.05% (Net Income TTM 260.9m / Total Stockholder Equity 1.44b)
RoCE = 16.66% (EBIT 378.5m / Capital Employed (Equity 1.44b + L.T.Debt 826.9m))
RoIC = 12.56% (NOPAT 292.4m / Invested Capital 2.33b)
WACC = 8.35% (E(4.47b)/V(5.39b) * Re(9.80%) + D(915.1m)/V(5.39b) * Rd(1.62%) * (1-Tc(0.23)))
Discount Rate = 9.80% (= CAPM, Blume Beta Adj.)
Shares Correlation 3-Years: -100.0 | Cagr: -2.44%
[DCF Debug] Terminal Value 80.13% ; FCFF base≈303.4m ; Y1≈374.3m ; Y5≈637.4m
Fair Price DCF = 90.65 (EV 10.06b - Net Debt 715.8m = Equity 9.35b / Shares 103.1m; r=8.35% [WACC]; 5y FCF grow 25.0% → 2.90% )
EPS Correlation: 35.46 | EPS CAGR: -8.42% | SUE: -4.0 | # QB: 0
Revenue Correlation: 39.64 | Revenue CAGR: 0.88% | SUE: 1.07 | # QB: 3
EPS next Quarter (2026-03-31): EPS=0.46 | Chg30d=-0.005 | Revisions Net=-1 | Analysts=4
EPS next Year (2026-12-31): EPS=3.38 | Chg30d=-0.016 | Revisions Net=-1 | Growth EPS=+14.4% | Growth Revenue=+6.8%