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
Vol585.40K
As of25 Sep 2026

The Verdict

Buy

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/E22.71x
Forward P/E12.73x
EV / EBITDA14.86x
P / S (ttm)2.75x
Profit margin12.4%
Return on equity15.6%
Revenue growth+7.3%
Earnings growth+165.2%
Debt / equity57.70

Layer Breakdown

LayerRawContribution
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.

United States · www.aciworldwide.com

Risk Metrics

Beta vs SPX0.96
Corr SPX0.44
Annual vol35.1%
Annual ret+5.3%
Sharpe0.15
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
Analysts4
Strong Buy0
Buy4
Hold1
Sell0
Strong Sell0

Recent rating actions

2026-01-14Seaport Global→ Buy
2025-10-16DA Davidson→ Buy
2025-07-17Stephens & Co.→ Overweight
2025-05-27Jefferies→ Buy
2025-05-12DA Davidson→ Buy
2024-11-08DA Davidson→ Neutral

Material Events

DateEvent8-K
2026-08-06Earnings Release, Reg FD Disclosure…read
2026-06-02Shareholder Vote, Exhibitsread
2026-05-07Earnings Release, Reg FD Disclosure…read
2026-02-26Earnings Release, Officer / Director Change…read
2026-01-14Officer / Director Change, Exhibitsread
2025-11-06Earnings Release, Reg FD Disclosure…read
2025-10-01Officer / Director Change, Exhibitsread
2025-09-12Officer / Director Change, Exhibitsread
2025-08-07Earnings Release, Reg FD Disclosureread
2025-06-20Material Agreement, Material Obligation…read
2025-06-09Officer / Director Change, Exhibitsread
2025-06-03Shareholder Vote, Exhibitsread

Insider Trades

DateInsiderRoleActionSharesValue
2026-06-24Leibrock Robert WilliamChief Financial OfficerDisposal2.45K$113.84K
2026-06-06Leibrock Robert WilliamChief Financial OfficerDisposal1.29K$55.17K
2026-06-06Shultz Ronald CraigGM, ACI SpeedpayDisposal739$31.63K
2026-06-06Litch Erich JGM, Payment SoftwareDisposal1.00K$42.93K
2026-06-04Litch Erich JGM, Payment SoftwareDisposal654$27.70K
2026-06-04Shultz Ronald CraigGM, ACI SpeedpayDisposal383$16.22K
2026-06-04Shultz Ronald CraigGM, ACI SpeedpayDisposal760$32.19K
2026-06-04Litch Erich JGM, Payment SoftwareDisposal133$5.63K
2026-06-02Ford Todd RGrant5.72K—
2026-06-02Lamouche Didier RGrant5.72K—

Flow & Concentration

Insider 180d net$0
Insider buys / sells0 / 0
Insider biasNeutral
13F holders9
Top-5 share96.5%
HHI3,803 (concentrated)

Top Holders

HolderValueShares
Fidelity / FMR LLC$329.19M6.55M
State Street Corp$215.94M4.29M
AQR Capital Management$30.56M612.98K
Citadel Advisors$23.52M467.70K
Capital Research / Capital World$21.36M424.82K
Millennium Management$12.28M244.16K
Renaissance Technologies$8.95M177.93K
Bridgewater Associates$957.27K19.04K
T. Rowe Price Group$56.13K1.12M

As of 2026-06-30

SEC Filings

DateFormDoc
2026-08-068-Kview
2026-08-0610-Qview
2026-06-264view
2026-06-084view
2026-06-084view
2026-06-084view
2026-06-034view
2026-06-034view
2026-06-034view
2026-06-034view
2026-06-034view
2026-06-034view
2026-06-034view
2026-06-034view
2026-06-024view

The Long Run

FY 2010–2025 · 16 years

LineLatestCAGRTrend
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

S&P SmallCap 600

Recent Sessions

DateOpenHighLowCloseVol
Sep 25$49.60$49.98$49.44$49.51585.40K
Sep 24$49.71$49.92$48.84$49.62491.00K
Sep 23$49.12$49.83$48.86$49.22537.30K
Sep 22$50.62$50.78$48.80$49.19779.90K
Sep 21$50.27$50.64$49.57$49.59657.40K

Understand the score. Research layers are inputs to a model, and the available data has limits.

Read the methodology →