ACI Worldwide, Inc.

ACI Worldwide, Inc.

ACIW
ACI Worldwide, Inc.US flagNASDAQ Global Select
54.46
USD
-2.23
- -
5.54BMarket Cap
ACI Worldwide, Inc.
ACIW
(NASDAQ Global Select)

Recent

price

54.46

P/E

ratio

- -

div

yld

- -

ROIC.AI

2010
2011
2012
2013
2014
2015
2016
2017
2018
2019
2020
2021
2022
2023
2024
2025
TTM
FRC
4.16
4.63
5.74
7.34
8.85
8.9
8.56
8.68
8.7
10.83
11.12
11.67
12.51
13.39
15.11
16.93
17.37
Revenue per Share
0.27
0.46
0.42
0.54
0.59
0.73
1.1
0.04
0.59
0.58
0.62
1.09
1.25
1.12
1.93
2.18
2
Basic EPS, GAAP
0.68
0.64
-0.22
0.9
1.1
1.18
0.31
0.78
1.21
0.73
2.3
1.49
0.91
1.21
2.97
2.78
2.62
Free Cash Flow per Basic Share
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
Dividend per Share
1.05
1.51
1.72
2.24
2.89
3.55
4.65
4.67
7.45
8.02
8.63
9.64
11.21
12.86
15.16
17.56
18.08
Book Value per Share
0.06
0.62
-1.93
-4.71
-5.84
-6.42
-4.63
-4.17
-1.44
-6.39
-5.09
-4.06
-3.44
-1.9
-0.57
0.61
0.54
Tangible Book Value per Share
101
100
116
118
115
117
118
118
116
116
116
117
114
108
105
104
103
Basic Weighted Avg Shares
418
465
667
865
1,016
1,046
1,006
1,024
1,010
1,258
1,294
1,371
1,422
1,453
1,594
1,760
1,791
Sales/Revenue/Turnover
12.82
14.24
11.16
14.23
13.6
12.23
6.93
8.26
12.47
9.84
11.18
15.31
14.34
15.17
19.33
18.75
18.36
Operating Margin (%)
26
28
51
70
87
97
103
102
97
139
164
144
138
134
121
107
108
Depreciation Expense
27
46
49
64
68
85
130
5
69
67
73
128
142
122
203
227
206
Net Income, GAAP
44.16
28.7
25.16
31.44
31.6
24.64
30.2
88.21
24.92
7.13
26.33
27
31.19
17.69
18.89
26.09
27.8
Effective Tax Rate (%)
6.5
9.86
7.33
7.38
6.65
8.17
12.88
0.5
6.83
5.33
5.61
9.32
10
8.37
12.74
12.88
11.51
Profit Margin (%)
24
115
90
91
-5
-2
32
100
270
308
249
183
256
369
388
383
394
Working Capital
- -
75
357
708
805
834
654
668
651
1,386
1,161
1,063
1,058
993
912
799
787
LT Debt
256
317
534
544
581
654
755
765
1,048
1,130
1,207
1,245
1,193
1,324
1,424
1,519
1,501
Total Equity
9.18
12.95
8.55
7.67
6.82
6.32
3.15
0.67
5.95
5.37
4.29
6.42
5.98
7.69
10.44
10.22
10.08
Return on Invested Capital (%)
16.96
23.39
14.15
10.35
8.44
9.09
11.97
0.77
7.22
6.48
5
7.2
7.67
7.63
10.42
10.3
9.4
Return on Capital (%)
29.59
35.7
27.79
27.48
22.65
22.79
26.87
0.94
9.73
7.47
7.51
11.96
11.82
9.1
13.57
13.24
11.71
Return on Common Equity (%)

Capital Structure

FRC

in mil. unless spec.
Sep'25
Dec'25
Mar'26
ST Debt
49
50
50
LT Borrowings
827
777
766
LT Finance Leases
23
23
20
Preferred Equity and Hybrid Capital
- -
- -
- -
Shares Outstanding
103
103
101
Market Capitalization
5,515
4,971
4,228

Working Capital

FRC

in mil. unless spec.
Sep'25
Dec'25
Mar'26
Total Current Assets
1,164
1,089
1,133
Cash, Cash Equivalents & STI
199
196
162
Accounts Receivable, Net
225
202
200
Inventories
- -
- -
- -
Total Current Liabilities
737
706
739
Payables & Accruals
73
81
73
ST Debt
49
50
50
Deferred Revenue
65
74
79

Growth Rates

FRC

in mil. unless spec.

(avg. rate of change)

10 years
5 years
1 year
Total Equity
9.25%
4.84%
6.65%
Free Cash Flow
38.92%
16.58%
-7.72%
Net Income, GAAP
135.48%
30.27%
11.59%
Sales/Revenue/Turnover
5.6%
6.39%
10.38%
Total Cash Common Dividend
- -
- -
- -

Quarterly Revenue

FRC

in mil. unless spec.

Year

Q1
Q2
Q3
Q4
FY
2024
316
373
452
453
1,594
2025
395
401
482
482
1,760
2026
426
- -
- -
- -
- -

Quarterly Earnings Per Share

FRC

in mil. unless spec.

Year

Q1
Q2
Q3
Q4
FY
2024
-0.07
0.29
0.78
0.94
1.93
2025
0.56
0.12
0.88
0.63
2.18
2026
0.38
- -
- -
- -
- -

Quarterly Dividends Per Share

FRC

in mil. unless spec.

Year

Q1
Q2
Q3
Q4
FY
2024
- -
- -
- -
- -
- -
2025
- -
- -
- -
- -
- -
2026
- -
- -
- -
- -
- -
Business
ACI Worldwide, Inc. (NASDAQ: ACIW) develops and provides real-time electronic payment software solutions that facilitate secure transaction processing for banks, financial institutions, merchants, billers, acquirers, issuers, and third-party payment service providers worldwide. The company offers a comprehensive suite of products and services, including ACI Connetic, a cloud-native unified payments platform supporting all payment types such as account-to-account (A2A), card processing, real-time payments, ACH, wires, and AI-powered fraud prevention; ACI Payments Orchestration Platform for merchant payments enabling omni-channel processing, digital wallets, tokenization, and fraud management; ACI Speedpay for electronic bill presentment and payment across industries like utilities, insurance, telecommunications, auto finance, mortgages, healthcare, and government; ACI Enterprise Payments Platform for enterprise-wide payment orchestration; ACI Fraud Management and Payments Intelligence leveraging AI and machine learning for real-time fraud detection and prevention; and ACI Acquiring and Issuing solutions for credit, debit, prepaid card transactions, and digital payment issuing. Headquartered in Elkhorn, Nebraska, with additional operations in Coral Gables, Florida, ACI Worldwide serves clients in 94 countries across banking, retail, fuel, grocery, healthcare payers, accounts receivable management, and government sectors; founded in 1975 as Applied Communications Inc. in Omaha, Nebraska, the company processes billions of consumer transactions annually, equating to trillions of U.S. dollars. Recent developments include the November 2025 acquisition of Payment Components, a Greece-based provider of AI-powered financial messaging and Open Banking solutions, to enhance ACI Connetic with advanced A2A payments, API management, and messaging capabilities serving 65 institutions in 25 countries; strategic partnerships such as expansions with NationsBenefits in April 2025 for health and retail benefits payments, Co-op in March 2025 for U.K. retail technology, and Kuvasz Solutions in 2024 for real-time payments in Colombia; and ongoing focus on cloud-native SaaS transitions, including ACI Payments Orchestration Platform and ACI Speedpay, alongside divestitures of non-core assets like Corporate Online Banking to prioritize high-growth areas.

Company News

APIChatGPT
  • Fifth Third Bancorp Purchases 55,427 Shares of ACI Worldwide, Inc. $ACIW

  • ACI Worldwide Considers Putting Billing Division Up For Sale

  • Is ACI Worldwide (ACIW) Stock Outpacing Its Computer and Technology Peers This Year?

  • ACI Worldwide (ACIW) Surges 5.6%: Is This an Indication of Further Gains?

  • Six in Ten UK Consumers Would Stop Using an AI Shopping Agent After One Mistake, ACI Survey Finds

  • Do Options Traders Know Something About ACI Worldwide Stock We Don't?

  • FIFA World Cup: Fraud Attempts Surged More Than Threefold at Past World Cups, ACI Worldwide Finds

  • FIFA World Cup: Fraud Attempts Surged More Than Threefold at Past World Cups, ACI Worldwide Finds

  • ACI Worldwide Powers Rabobank's Wero Instant Payments, Advancing Europe's Real-Time Payments Transformation

  • ACI Worldwide Powers Rabobank's Wero Instant Payments, Advancing Europe's Real-Time Payments Transformation

  • ACI Worldwide and EPI to Power Instant Payments in Europe

  • ACI Worldwide Powers Next-Generation PSP Expansion in Africa with Kwik Payments Go-Live

  • Europe's Payments Leaders Gather in London as Control, Fraud and AI Reshape the Industry

  • Europe's Payments Leaders Gather in London as Control, Fraud and AI Reshape the Industry

  • UBX Tanzania Deepens Partnership with ACI Worldwide to Power the Next Phase of the Nation's Digital Economy

  • ACI Worldwide Stock Trails S&P 500 by 40 Points as One Fund Cuts Stake by $4.4 Million

  • ACI Worldwide and Security Bank Philippines Set New Benchmark for Enterprise-wide Payments Modernization

  • ACI Worldwide to Attend Upcoming Investor Conferences

  • ACI Worldwide, Inc. (ACIW) Q1 2026 Earnings Call Transcript

  • ACI Worldwide (ACIW) Surpasses Q1 Earnings and Revenue Estimates