ACIW logo

ACI WORLDWIDE INC

ACIWNASDAQ
πŸ† #1324 by market capEarnings Oct 29US Equity
$48.59β–Ό $0.41 (βˆ’0.84%)
πŸŒ™ After hours$48.59β–² 0.00%Regular close Β· extended-hours price shown
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24hβ–Ό 0.8%
7dβ–Ό 1.2%
14dβ–Ό 5.1%
30dβ–Ό 9.8%
ytdβ–² 1.6%
1yβ–Ό 7.1%
🏦Market Cap
$4.94B
Small Cap
πŸ“ˆRevenue Growth (YoY)
+10.4%
Healthy
πŸ“ŠGross Margin
49.1%
Healthy
πŸ’΅FCF Margin
19.5%
Healthy
βš–οΈP/S Ratio
2.7x
Cheap
Otter Score
88
Very Good

Trading Snapshot

Day Range
$47.89 – $48.96
52-Week Range
$38.05 – $61.08
Volume
$3.81B
Avg Volume
$3.65B
Shares Outstanding
101.7M
Next Earnings
Dec 4, 2026

Fundamentals Snapshot

Annual Revenue
$1.76B
Last Q Revenue
$430M
P/E Ratio
22.3
P/S Ratio
2.7x
EPS (TTM)
$2.22
Dividend Yield
0.00%
Dilution (1yr)
βˆ’2.7%

Why Investors Own ACIW

  • βœ“High-growth profile β€” revenue up +32.0% YoY with expanding US Equity exposure.
  • βœ“Healthy economics β€” 52% gross margin and 19% free-cash-flow margin.
  • βœ“New products and segments could unlock additional revenue streams.
⚠️ Key Risks

Execution delays, intensifying competition, and valuation compression if growth decelerates.

ACIW logo

ACI WORLDWIDE INC

ACIW
Financial Trends
RevenueThe total money the company brought in from sales, before subtracting any costs.
$1.8Bβ–² +10.4% YoY
Gross MarginOf every $1 of sales, how much is left after the direct cost of making the product/service. Higher = more efficient.
49.0%β–Ό βˆ’2.7% YoY
Operating IncomeProfit from the core business after operating costs, but before interest and taxes. Negative means the core business isn’t profitable yet.
$330Mβ–² +7.1% YoY
Free Cash FlowCash left over after running the business and paying for equipment/capex. Negative means the company is burning cash.
$310Mβ–Ό βˆ’9.7% YoY
Shares OutstandingHow many shares exist. Rising means the company is issuing more shares, which dilutes (shrinks) each existing owner’s slice.
103.4Mβ–Ό βˆ’2.7% YoY
Net CashCash minus total debt. Positive = more cash than debt (financially strong); negative = more debt than cash (net debt).
βˆ’$675Mβ–² +$65M YoY
StockOtter Β· stockotter.space

About ACI WORLDWIDE INC

ACI Worldwide, Inc. operates as a global software enterprise, specializing in the development, distribution, implementation, and ongoing support of digital payment solutions. These sophisticated offerings cater to the diverse needs of banks, merchants, and billing organizations worldwide. The company boasts an extensive portfolio of specialized platforms, which includes: ACI Acquiring: A merchant management system engineered to foster digital innovation, bolster fraud prevention, and help reduce interchange fees. ACI Issuing: A robust solution for the digital issuance of payments. ACI Enterprise Payments Platform: Delivers advanced capabilities for the processing and orchestration of digital payments. Real-Time Payments Solutions: This category features ACI Low Value Real-Time Payments for standard real-time transactions, and ACI High Value Real-Time Payments, a powerful engine supporting multi-bank, multi-currency, 24/7 payment processing, complete with SWIFT messaging integration. ACI Omni Commerce: A scalable platform designed for comprehensive omni-channel payment processing. ACI Secure eCommerce: A dedicated solution ensuring the security of online transactions. ACI Fraud Management: Employs a real-time methodology for effective fraud detection and prevention. ACI Digital Business Banking: A cloud-based platform offering modern digital banking services. ACI Speedpay: An integrated suite providing digital billing, payment, disbursement, and communication services. Beyond its core software products, ACI Worldwide provides electronic bill presentment and payment services to a broad array of sectors, including consumer finance, insurance, healthcare, higher education, utilities, government, and mortgage. The company also offers essential support services such as implementation (encompassing product installation, configuration, and tailored software modifications), along with business and technical consulting, on-site assistance, product education, and comprehensive testing. Furthermore, ACI acts as a distributor and sales representative for third-party software products. All its solutions and services are marketed under the consistent ACI Worldwide brand. Initially known as Transaction Systems Architects, Inc., the company officially rebranded to ACI Worldwide, Inc. in July 2007. Founded in 1975, its operational headquarters are situated in Coral Gables, Florida.

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Otter Score Breakdown

How it's scoredFive components, each rated 1–5β˜… and equally weighted (20%), averaged to a 0–100 score:πŸ’Ž Quality β€” gross marginπŸš€ Growth β€” revenue YoYβš–οΈ Valuation β€” P/S ratio⚑ Momentum β€” 30-day price changeπŸ’§ Dilution β€” 1-yr share issuance (buybacks score higher)
πŸ’ŽQualityβ˜…β˜…β˜…β˜…β˜…
πŸš€Growthβ˜…β˜…β˜…β˜…β˜…
βš–οΈValuationβ˜…β˜…β˜…β˜…β˜…
⚑Momentumβ˜…β˜…β˜…β˜…β˜…
πŸ’§Dilutionβ˜…β˜…β˜…β˜…β˜…
Overall Score
Very Good
88/100

Analyst Ratings

β“˜
Consensus
Buy
11 analysts
Strong Buy3
Buy6
Hold2
Sell0
Strong Sell0
Ratings as of Sep 2026

Latest News & Updates

Business WireΒ·1d ago

ACI Worldwide and Cognizant Demonstrate Strong Card Processing Performance on Amazon Web Services, Inc. (AWS)

OMAHA, Neb.--(BUSINESS WIRE)---- $ACIW #AWS--ACI Worldwide (NASDAQ: ACIW), an original innovator in global payments technology, and Cognizant (NASDAQ: CTSH), a leading AI builder and technology services provider, today a

Business WireΒ·5d ago

Solaris Goes Live on ACI Worldwide's ACI Connetic for SEPA Instant Payments

OMAHA, Neb.--(BUSINESS WIRE)---- $ACIW #Banking--ACI Worldwide (NASDAQ: ACIW), an original innovator in global payments technology, today announced that Solaris, Europe's leading embedded finance platform, has gone live

Zacks Investment ResearchΒ·6d ago

Buy 3 Mobile Payment Stocks to Tap Solid Short-Term Upside Potential

ACIW, PAY and RELY show strong earnings revisions and short-term price upside potential as digital payments expand.

GuruFocusΒ·7d ago

ACI Worldwide Extends ACI Connetic to Support Payments Orchestrated Through Swift's Ledger

[url="]ACI Worldwide[/url] (NASDAQ: ACIW), an original innovator in global payments technology, today announced it is bringing intelligent routing for Swift led

Zacks Investment ResearchΒ·8d ago

Buy 3 Top-Ranked Mid-Cap Big Data Stocks Amid Solid Short-Term Upside

WK, ACIW and ESTC combine strong estimate revisions with brokerage targets pointing to potential short-term upside.

Business WireΒ·11d ago

Nearly 60% of US Adults Can't Cover a $1,000 Emergency Expense, Driving Demand for Greater Control and Flexibility in Bill Payment, Finds ACI Speedpay Pulse Report

OMAHA, Neb.--(BUSINESS WIRE)--Nearly half of Gen Z and Millennial consumers and 40% of Gen X do not have enough money in their bank account to cover a $1,000 emergency expense, according to the 2026 ACI Speedpay Pulse Re