Aci Worldwide Stock Analysis

ACIW Stock  USD 40.75  0.16  0.39%   
Below is the normalized historical share price chart for ACI Worldwide extending back to February 24, 1995. This chart has been adjusted for all splits and dividends and is plotted against all major global economic recessions. As of today, the current price of ACI Worldwide stands at 40.75, as last reported on the 20th of February, with the highest price reaching 40.81 and the lowest price hitting 40.20 during the day.
IPO Date
23rd of February 1995
200 Day MA
47.0078
50 Day MA
44.756
Beta
1.058
 
Dot-com Bubble
 
Housing Crash
 
Credit Downgrade
 
Yuan Drop
 
Covid
 
Interest Hikes
ACI Worldwide holds a debt-to-equity ratio of 0.957. At this time, ACI Worldwide's Short and Long Term Debt Total is fairly stable compared to the past year. Net Debt is likely to climb to about 893.6 M in 2026, whereas Long Term Debt Total is likely to drop slightly above 849.2 M in 2026. ACI Worldwide's financial risk is the risk to ACI Worldwide stockholders that is caused by an increase in debt.

Asset vs Debt

Equity vs Debt

ACI Worldwide's liquidity is one of the most fundamental aspects of both its future profitability and its ability to meet different types of ongoing financial obligations. ACI Worldwide's cash, liquid assets, total liabilities, and shareholder equity can be utilized to evaluate how much leverage the Company is using to sustain its current operations. For traders, higher-leverage indicators usually imply a higher risk to shareholders. In addition, it helps ACI Stock's retail investors understand whether an upcoming fall or rise in the market will negatively affect ACI Worldwide's stakeholders.
For many companies, including ACI Worldwide, marketable securities, inventories, and receivables are the most common assets that could be converted to cash. However, for ACI Worldwide, the most critical issue when managing liquidity is ensuring that current assets are properly aligned with current liabilities. If they are not, ACI Worldwide's management will need to obtain alternative financing to ensure there are always enough cash equivalents on the balance sheet to meet obligations.
Price Book
2.757
Enterprise Value Ebitda
9.86
Price Sales
2.429
Shares Float
102 M
Wall Street Target Price
63.2
At this time, ACI Worldwide's Total Stockholder Equity is fairly stable compared to the past year. Liabilities And Stockholders Equity is likely to climb to about 3.7 B in 2026, despite the fact that Other Stockholder Equity is likely to grow to (57.9 M). . At this time, ACI Worldwide's Price Earnings Ratio is fairly stable compared to the past year. Price Earnings To Growth Ratio is likely to climb to 0.45 in 2026, whereas Price Book Value Ratio is likely to drop 4.20 in 2026.
ACI Worldwide is undervalued with Real Value of 52.83 and Target Price of 63.2. The main objective of ACI Worldwide stock analysis is to determine its intrinsic value, which is an estimate of what ACI Worldwide is worth, separate from its market price. There are two main types of ACI Worldwide's stock analysis: fundamental analysis and technical analysis.
The ACI Worldwide stock is traded in the USA on NASDAQ Exchange, with the market opening at 09:30:00 and closing at 16:00:00 every Mon,Tue,Wed,Thu,Fri except for officially observed holidays in the USA. ACI Worldwide is usually not traded on Labour Day, Thanksgiving Day, Christmas Day, New Year 's Day, Dr . Martin Luther King Jr 's Birthday, Washington 's Birthday, Good Friday, Memorial Day, Juneteenth Holiday, Independence Day ( substitute day ), Independence Day. ACI Stock trading window is adjusted to America/New York timezone.
Check out Trending Equities to better understand how to build diversified portfolios, which includes a position in ACI Worldwide. Also, note that the market value of any company could be closely tied with the direction of predictive economic indicators such as signals in gross domestic product.
For more information on how to buy ACI Stock please use our How to Invest in ACI Worldwide guide.

ACI Stock Analysis Notes

About 99.0% of the company shares are held by institutions such as insurance companies. The book value of ACI Worldwide was presently reported as 14.33. The company had not issued any dividends in recent years. ACI Worldwide had 3:1 split on the 11th of July 2014. ACI Worldwide, Inc., a software company, develops, markets, installs, and supports a range of software products and solutions for facilitating digital payments to banks, merchants, and billers worldwide. The company was founded in 1975 and is based in Coral Gables, Florida. Aci Worldwide operates under SoftwareInfrastructure classification in the United States and is traded on NASDAQ Exchange. It employs 3610 people. For more info on ACI Worldwide please contact the company at 402 390 7600 or go to https://www.aciworldwide.com.

ACI Worldwide Quarterly Total Revenue

482.36 Million

ACI Worldwide Investment Alerts

ACI Worldwide generated a negative expected return over the last 90 days
ACI Worldwide has a strong financial position based on the latest SEC filings
Over 99.0% of the company shares are held by institutions such as insurance companies
Latest headline from simplywall.st: Bitdeer Balances Bitcoin Mining Scale With Expanding AI Infrastructure Ambitions

ACI Largest EPS Surprises

Earnings surprises can significantly impact ACI Worldwide's stock price both in the short term and over time. Negative earnings surprises usually result in a price decline. However, it has been seen that positive earnings surprises lead to an immediate rise in a stock's price and a gradual increase over time. This is why we often hear news about some companies beating earning projections. Financial analysts spend a large amount of time predicting earnings per share (EPS) along with other important future indicators. Many analysts use forecasting models, management guidance, and additional fundamental information to derive an EPS estimate.
Reported
Fiscal Date
Estimated EPS
Reported EPS
Surprise
2010-07-29
2010-06-30-0.01-0.00150.008585 
2005-07-26
2005-06-300.080.090.0112 
2002-04-30
2002-03-310.020.030.0150 
View All Earnings Estimates

ACI Worldwide Environmental, Social, and Governance (ESG) Scores

ACI Worldwide's ESG score is a quantitative measure that evaluates ACI Worldwide's performance and commitment regarding environmental, social, and governance (ESG) factors. These scores are becoming increasingly crucial in investment decision-making processes, providing insights into non-financial aspects of ACI Worldwide's operations that may have significant financial implications and affect ACI Worldwide's stock price as well as guide investors towards more socially responsible investments.

ACI Stock Institutional Investors

Institutional investors include commercial and private banks, credit unions, insurance companies, pension funds, hedge funds, endowments, and mutual funds. Operating companies that invest excess capital in these types of assets may also be included in the term and may influence corporate governance by exercising voting rights in their investments.
Shares
American Century Companies Inc2025-06-30
1.7 M
Arrowstreet Capital Limited Partnership2025-06-30
1.6 M
Northern Trust Corp2025-06-30
1.3 M
Charles Schwab Investment Management Inc2025-06-30
1.3 M
Congress Asset Management Company, Llp2025-06-30
1.2 M
Amvescap Plc.2025-06-30
1.1 M
Norges Bank2025-06-30
M
T. Rowe Price Associates, Inc.2025-06-30
M
Ing Investment Management Llc2025-06-30
M
Blackrock Inc2025-06-30
17.3 M
Vanguard Group Inc2025-06-30
13.8 M
Note, although ACI Worldwide's institutional investors appear to be way more sophisticated than retail investors, it remains unclear if professional active investment managers can reliably enhance risk-adjusted returns by an amount that exceeds fees and expenses.

ACI Market Capitalization

The company currently falls under 'Mid-Cap' category with a current market capitalization of 4.21 B.

ACI Profitablity

The company has Profit Margin (PM) of 0.15 %, which maeans that even a very small decline in it revenue will erase profits resulting in a net loss. This is way below average. Similarly, it shows Operating Margin (OM) of 0.27 %, which suggests for every 100 dollars of sales, it generated a net operating income of $0.27.
Last ReportedProjected for Next Year
Return On Tangible Assets 0.13  0.12 
Return On Capital Employed 0.11  0.07 
Return On Assets 0.06  0.06 
Return On Equity 0.14  0.13 

Management Efficiency

ACI Worldwide has return on total asset (ROA) of 0.0701 % which means that it generated a profit of $0.0701 on every $100 spent on assets. This is way below average. Similarly, it shows a return on stockholder's equity (ROE) of 0.1858 %, meaning that it created $0.1858 on every $100 dollars invested by stockholders. ACI Worldwide's management efficiency ratios could be used to measure how well ACI Worldwide manages its routine affairs as well as how well it operates its assets and liabilities. Return On Assets is likely to climb to 0.06 in 2026, whereas Return On Tangible Assets are likely to drop 0.12 in 2026. At this time, ACI Worldwide's Total Assets are fairly stable compared to the past year. Non Current Assets Total is likely to climb to about 2.5 B in 2026, whereas Deferred Long Term Asset Charges is likely to drop slightly above 57 M in 2026.
Last ReportedProjected for Next Year
Book Value Per Share 12.15  12.76 
Tangible Book Value Per Share(0.65)(0.69)
Enterprise Value Over EBITDA 12.61  9.70 
Price Book Value Ratio 4.42  4.20 
Enterprise Value Multiple 12.61  9.70 
Price Fair Value 4.42  4.20 
Enterprise Value2.9 BB
The operational strategies employed by ACI Worldwide management play a crucial role in its market positioning. Assessing these strategies alongside financial data helps us evaluate the stock's investment potential.
Operating Margin
0.2672
Profit Margin
0.1507
Beta
1.058
Return On Assets
0.0701
Return On Equity
0.1858

Technical Drivers

As of the 20th of February, ACI Worldwide shows the Mean Deviation of 1.4, standard deviation of 2.05, and Variance of 4.19. ACI Worldwide technical analysis gives you the methodology to make use of historical prices and volume patterns to determine a pattern that approximates the direction of the entity's future prices. Please confirm ACI Worldwide coefficient of variation and maximum drawdown to decide if ACI Worldwide is priced fairly, providing market reflects its regular price of 40.75 per share. Given that ACI Worldwide has information ratio of (0.13), we suggest you to validate ACI Worldwide's prevailing market performance to make sure the company can sustain itself at some future date.

ACI Worldwide Price Movement Analysis

The output start index for this execution was nine with a total number of output elements of fifty-two. The Simple Moving Average indicator is calculated by adding the closing price of ACI Worldwide for a given number of time periods and then dividing this total by the number of time periods. It is used to smooth out ACI Worldwide short-term fluctuations and highlight longer-term trends or cycles.

ACI Worldwide Insider Trading Activities

Some recent studies suggest that insider trading raises the cost of capital for securities issuers and decreases overall economic growth. Trading by specific ACI Worldwide insiders, such as employees or executives, is commonly permitted as long as it does not rely on ACI Worldwide's material information that is not in the public domain. Local jurisdictions usually require such trading to be reported in order to monitor insider transactions. In many U.S. states, trading conducted by corporate officers, key employees, directors, or significant shareholders must be reported to the regulator or publicly disclosed, usually within a few business days of the trade. In these cases ACI Worldwide insiders are required to file a Form 4 with the U.S. Securities and Exchange Commission (SEC) when buying or selling shares of their own companies.
 
Scott Behrens over a week ago
Disposition of 6109 shares by Scott Behrens of ACI Worldwide at 57.35 subject to Rule 16b-3
 
Shultz Ronald Craig over a week ago
Disposition of 743 shares by Shultz Ronald Craig of ACI Worldwide at 40.33 subject to Rule 16b-3
 
Shultz Ronald Craig over two months ago
Disposition of 793 shares by Shultz Ronald Craig of ACI Worldwide at 46.35 subject to Rule 16b-3
 
Abraham Kuruvilla over two months ago
Disposition of 7729 shares by Abraham Kuruvilla of ACI Worldwide at 46.86 subject to Rule 16b-3
 
Shultz Ronald Craig over three months ago
Disposition of 642 shares by Shultz Ronald Craig of ACI Worldwide at 48.0 subject to Rule 16b-3
 
Abraham Kuruvilla over three months ago
Disposition of 4210 shares by Abraham Kuruvilla of ACI Worldwide at 47.6926 subject to Rule 16b-3
 
Hale James C Iii over three months ago
Disposition of 10000 shares by Hale James C Iii of ACI Worldwide at 35.521 subject to Rule 16b-3
 
Sanchez Adalio T over three months ago
Disposition of 23236 shares by Sanchez Adalio T of ACI Worldwide subject to Rule 16b-3
 
Zabaneh Samir Michael over six months ago
Acquisition by Zabaneh Samir Michael of 7194 shares of ACI Worldwide subject to Rule 16b-3
 
Estep Janet O over six months ago
Disposition of 4500 shares by Estep Janet O of ACI Worldwide at 44.66 subject to Rule 16b-3
 
Harman Mary P over six months ago
Disposition of 7194 shares by Harman Mary P of ACI Worldwide at 47.475 subject to Rule 16b-3
 
Abraham Kuruvilla over six months ago
Disposition of 8 shares by Abraham Kuruvilla of ACI Worldwide at 46.62 subject to Rule 16b-3

ACI Worldwide Outstanding Bonds

ACI Worldwide issues bonds to finance its operations. Corporate bonds make up one of the largest components of the U.S. bond market, which is considered the world's largest securities market. ACI Worldwide uses the proceeds from bond sales for a wide variety of purposes, including financing ongoing mergers and acquisitions, buying new equipment, investing in research and development, buying back their own stock, paying dividends to shareholders, and even refinancing existing debt. Most ACI bonds can be classified according to their maturity, which is the date when ACI Worldwide has to pay back the principal to investors. Maturities can be short-term, medium-term, or long-term (more than ten years). Longer-term bonds usually offer higher interest rates but may entail additional risks.

ACI Worldwide Predictive Daily Indicators

ACI Worldwide intraday indicators are useful technical analysis tools used by many experienced traders. Just like the conventional technical analysis, daily indicators help intraday investors to analyze the price movement with the timing of ACI Worldwide stock daily movement. By combining multiple daily indicators into a single trading strategy, you can limit your risk while still earning strong returns on your managed positions.

ACI Worldwide Corporate Filings

F4
13th of February 2026
The report filed by a party regarding the acquisition or disposition of a company's common stock, as well as derivative securities such as options, warrants, and convertible securities
ViewVerify
8K
14th of January 2026
Report filed with the SEC to announce major events that shareholders should know about
ViewVerify
F4
30th of December 2025
The report filed by a party regarding the acquisition or disposition of a company's common stock, as well as derivative securities such as options, warrants, and convertible securities
ViewVerify
F4
8th of December 2025
The report filed by a party regarding the acquisition or disposition of a company's common stock, as well as derivative securities such as options, warrants, and convertible securities
ViewVerify
F4
2nd of December 2025
The report filed by a party regarding the acquisition or disposition of a company's common stock, as well as derivative securities such as options, warrants, and convertible securities
ViewVerify
F4
13th of November 2025
The report filed by a party regarding the acquisition or disposition of a company's common stock, as well as derivative securities such as options, warrants, and convertible securities
ViewVerify
F4
12th of November 2025
The report filed by a party regarding the acquisition or disposition of a company's common stock, as well as derivative securities such as options, warrants, and convertible securities
ViewVerify
8K
6th of November 2025
Report filed with the SEC to announce major events that shareholders should know about
ViewVerify

ACI Worldwide Forecast Models

ACI Worldwide's time-series forecasting models are one of many ACI Worldwide's stock analysis techniques aimed at predicting future share value based on previously observed values. Time-series forecasting models ae widely used for non-stationary data. Non-stationary data are called the data whose statistical properties e.g. the mean and standard deviation are not constant over time but instead, these metrics vary over time. These non-stationary ACI Worldwide's historical data is usually called time-series. Some empirical experimentation suggests that the statistical forecasting models outperform the models based exclusively on fundamental analysis to predict the direction of the market movement and maximize returns from investment trading.

ACI Worldwide Bond Ratings

ACI Worldwide financial ratings play a critical role in determining how much ACI Worldwide have to pay to access credit markets, i.e., the amount of interest on their issued debt. The threshold between investment-grade and speculative-grade ratings has important market implications for ACI Worldwide's borrowing costs.
Piotroski F Score
7
StrongView
Beneish M Score
(2.38)
Unlikely ManipulatorView

ACI Worldwide Debt to Cash Allocation

Many companies such as ACI Worldwide, eventually find out that there is only so much market out there to be conquered, and adding the next product or service is only half as profitable per unit as their current endeavors. Eventually, the company will reach a point where cash flows are strong, and extra cash is available but not fully utilized. In this case, the company may start buying back its stock from the public or issue more dividends.
ACI Worldwide currently holds 956.43 M in liabilities with Debt to Equity (D/E) ratio of 0.96, which is about average as compared to similar companies. ACI Worldwide has a current ratio of 1.22, suggesting that it is in a questionable position to pay out its financial obligations when due. Note, when we think about ACI Worldwide's use of debt, we should always consider it together with its cash and equity.

ACI Worldwide Total Assets Over Time

ACI Worldwide Assets Financed by Debt

The debt-to-assets ratio shows the degree to which ACI Worldwide uses debt to finance its assets. It includes both long-term and short-term borrowings maturing within one year. It also includes both tangible and intangible assets, such as goodwill.

ACI Worldwide Debt Ratio

    
  17.0   
It appears most of the ACI Worldwide's assets are financed through equity. Typically, companies with high debt-to-asset ratios are said to be highly leveraged. The higher the ratio, the greater risk will be associated with the ACI Worldwide's operation. In addition, a high debt-to-assets ratio may indicate a low borrowing capacity of ACI Worldwide, which in turn will lower the firm's financial flexibility.

ACI Worldwide Corporate Bonds Issued

ACI Short Long Term Debt Total

Short Long Term Debt Total

1.15 Billion

At this time, ACI Worldwide's Short and Long Term Debt Total is fairly stable compared to the past year.

About ACI Stock Analysis

Stock analysis is the technique used by a trader or investor to examine and evaluate how ACI Worldwide prices is reacting to, or reflecting on a current market direction and economic conditions. It can be used to make informed decisions about market timing, and when buying or selling ACI shares will generate the highest return on investment. We also built our stock analysis module to help investors to gain an insight into the world economy as a whole, the stock market, thematic ideas. a specific sector, or an individual Stock such as ACI Worldwide. By using and applying ACI Stock analysis, traders can create a robust methodology for identifying ACI entry and exit points for their positions.
Last ReportedProjected for Next Year
Pretax Profit Margin 0.14  0.07 
Operating Profit Margin 0.17  0.18 
Net Profit Margin 0.11  0.12 
Gross Profit Margin 0.58  0.68 

Current ACI Analysis - Recommendations

We track the performance of the top 100 financial experts across various large and mid-size financial boutiques. ACI analyst recommendations are determined by taking all analyst recommendations and averaging them as Strong Buy, Buy, Hold, Strong Sell or Sell. There is no one specific way to measure analysis performance other than comparing it to the past results via a very sophisticated attribution analysis. ACI analyst consensus and target price projections should be used in combination with other traditional techniques such as stock price forecasting, technical analysis, earnings estimate, and various momentum models.
Target PriceConsensus# of Analysts
63.2Strong Buy7Odds
ACI Worldwide current and past analyst recommendations published by a number of research institutions as well as average analyst consensus.
Most ACI analysts issue ratings four times a year, at intervals of three months. Ratings are usually accompanied by a target price to helps potential investors understand ACI stock's fair price compared to its market value. Analysts arrive at stock ratings after researching public financial statements of ACI Worldwide, talking to its executives and customers, or listening to ACI conference calls.
ACI Analyst Advice Details

ACI Stock Analysis Indicators

ACI Worldwide stock analysis indicators help investors evaluate how ACI Worldwide stock reacts to ongoing and evolving market conditions. The investors can use it to make informed decisions about market timing and determine when trading ACI Worldwide shares will generate the highest return on investment. By understating and applying ACI Worldwide stock analysis, traders can identify ACI Worldwide position entry and exit signals to maximize returns.
Begin Period Cash Flow238.8 M
Long Term Debt889.6 M
Common Stock Shares Outstanding106.5 M
Total Stockholder Equity1.4 B
Total Cashflows From Investing Activities-45.1 M
Tax Provision47.3 M
Quarterly Earnings Growth Y O Y0.143
Property Plant And Equipment Net63.9 M
Cash And Short Term Investments216.4 M
Cash216.4 M
Accounts Payable45.4 M
Net Debt740 M
50 Day M A44.756
Total Current Liabilities602.6 M
Other Operating Expenses1.3 B
Non Current Assets TotalB
Forward Price Earnings11.6009
Non Currrent Assets Other413.5 M
Stock Based Compensation41.3 M

Additional Tools for ACI Stock Analysis

When running ACI Worldwide's price analysis, check to measure ACI Worldwide's market volatility, profitability, liquidity, solvency, efficiency, growth potential, financial leverage, and other vital indicators. We have many different tools that can be utilized to determine how healthy ACI Worldwide is operating at the current time. Most of ACI Worldwide's value examination focuses on studying past and present price action to predict the probability of ACI Worldwide's future price movements. You can analyze the entity against its peers and the financial market as a whole to determine factors that move ACI Worldwide's price. Additionally, you may evaluate how the addition of ACI Worldwide to your portfolios can decrease your overall portfolio volatility.