Inside the research
ACI Worldwide, Inc.
ACIW Research profile · latest available data
Price overview
$49.51
▼ -0.11 (-0.2%)
| 52w hi | $60.18 |
|---|---|
| 52w lo | $38.47 |
| Vol | 585.40K |
| As of | 25 Sep 2026 |
The Verdict
Our score +0.54
| Short | +0.02 |
|---|---|
| Medium | +0.83 |
| Long | +0.97 |
computed 2026-09-27
Key fundamentals
ACI Worldwide, Inc.
Technology · Software - Infrastructure
| Market cap | $5.00B |
|---|---|
| Enterprise value | $5.69B |
| Trailing P/E | 22.71x |
| Forward P/E | 12.73x |
| EV / EBITDA | 14.86x |
| P / S (ttm) | 2.75x |
| Profit margin | 12.4% |
| Return on equity | 15.6% |
| Revenue growth | +7.3% |
| Earnings growth | +165.2% |
| Debt / equity | 57.70 |
Layer Breakdown
| Layer | Raw | Contribution |
|---|---|---|
| Fundamental | +0.37 | |
| Sector | +0.19 | |
| Technical | +0.15 | |
| Earnings | +0.00 | |
| Sentiment | +0.00 |
macro × 1.00 · 2026-09-27
Business 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.
Risk Metrics
| Beta vs SPX | 0.96 |
|---|---|
| Corr SPX | 0.44 |
| Annual vol | 35.1% |
| Annual ret | +5.3% |
| Sharpe | 0.15 |
| Max DD | -35.0% |
Window: 504 trading days (504 obs)
Analyst Coverage
| Mean PT | $64.00 |
|---|---|
| High / Low | $70.00 / $60.00 |
| Median | $63.00 |
| Analysts | 4 |
| Strong Buy | 0 | |
|---|---|---|
| Buy | 4 | |
| Hold | 1 | |
| Sell | 0 | |
| Strong Sell | 0 |
Recent rating actions
| 2026-01-14 | Seaport Global | → Buy |
| 2025-10-16 | DA Davidson | → Buy |
| 2025-07-17 | Stephens & Co. | → Overweight |
| 2025-05-27 | Jefferies | → Buy |
| 2025-05-12 | DA Davidson | → Buy |
| 2024-11-08 | DA Davidson | → Neutral |
Material Events
| Date | Event | 8-K |
|---|---|---|
| 2026-08-06 | Earnings Release, Reg FD Disclosure… | read |
| 2026-06-02 | Shareholder Vote, Exhibits | read |
| 2026-05-07 | Earnings Release, Reg FD Disclosure… | read |
| 2026-02-26 | Earnings Release, Officer / Director Change… | read |
| 2026-01-14 | Officer / Director Change, Exhibits | read |
| 2025-11-06 | Earnings Release, Reg FD Disclosure… | read |
| 2025-10-01 | Officer / Director Change, Exhibits | read |
| 2025-09-12 | Officer / Director Change, Exhibits | read |
| 2025-08-07 | Earnings Release, Reg FD Disclosure | read |
| 2025-06-20 | Material Agreement, Material Obligation… | read |
| 2025-06-09 | Officer / Director Change, Exhibits | read |
| 2025-06-03 | Shareholder Vote, Exhibits | read |
Insider Trades
| Date | Insider | Role | Action | Shares | Value |
|---|---|---|---|---|---|
| 2026-06-24 | Leibrock Robert William | Chief Financial Officer | Disposal | 2.45K | $113.84K |
| 2026-06-06 | Leibrock Robert William | Chief Financial Officer | Disposal | 1.29K | $55.17K |
| 2026-06-06 | Shultz Ronald Craig | GM, ACI Speedpay | Disposal | 739 | $31.63K |
| 2026-06-06 | Litch Erich J | GM, Payment Software | Disposal | 1.00K | $42.93K |
| 2026-06-04 | Litch Erich J | GM, Payment Software | Disposal | 654 | $27.70K |
| 2026-06-04 | Shultz Ronald Craig | GM, ACI Speedpay | Disposal | 383 | $16.22K |
| 2026-06-04 | Shultz Ronald Craig | GM, ACI Speedpay | Disposal | 760 | $32.19K |
| 2026-06-04 | Litch Erich J | GM, Payment Software | Disposal | 133 | $5.63K |
| 2026-06-02 | Ford Todd R | Grant | 5.72K | — | |
| 2026-06-02 | Lamouche Didier R | Grant | 5.72K | — |
Flow & Concentration
| Insider 180d net | $0 |
|---|---|
| Insider buys / sells | 0 / 0 |
| Insider bias | Neutral |
| 13F holders | 9 |
| Top-5 share | 96.5% |
| HHI | 3,803 (concentrated) |
Top Holders
| Holder | Value | Shares |
|---|---|---|
| Fidelity / FMR LLC | $329.19M | 6.55M |
| State Street Corp | $215.94M | 4.29M |
| AQR Capital Management | $30.56M | 612.98K |
| Citadel Advisors | $23.52M | 467.70K |
| Capital Research / Capital World | $21.36M | 424.82K |
| Millennium Management | $12.28M | 244.16K |
| Renaissance Technologies | $8.95M | 177.93K |
| Bridgewater Associates | $957.27K | 19.04K |
| T. Rowe Price Group | $56.13K | 1.12M |
As of 2026-06-30
SEC Filings
The Long Run
FY 2010–2025 · 16 years
| Line | Latest | CAGR | Trend |
|---|---|---|---|
| Revenue | $1.76B | +10.0% | |
| Operating income | $220.41M | +13.7% | |
| Net income | $226.66M | +19.1% | |
| Cash from ops | $168.52M | +6.8% |
Indices
Recent Sessions
| Date | Open | High | Low | Close | Vol |
|---|---|---|---|---|---|
| Sep 25 | $49.60 | $49.98 | $49.44 | $49.51 | 585.40K |
| Sep 24 | $49.71 | $49.92 | $48.84 | $49.62 | 491.00K |
| Sep 23 | $49.12 | $49.83 | $48.86 | $49.22 | 537.30K |
| Sep 22 | $50.62 | $50.78 | $48.80 | $49.19 | 779.90K |
| Sep 21 | $50.27 | $50.64 | $49.57 | $49.59 | 657.40K |
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