A Business at a Glance
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ACI WORLDWIDE, INC.
ACIW
$5.9B
Mkt Cap
$56.31
+3.26%
ACI WORLDWIDE, INC. (ACIW) has a current P/E ratio of 26.1, compared to its historical median P/E of 27.3. The stock is currently considered Fair based on its historical valuation range.
ACI WORLDWIDE, INC. (ACIW) has a 5-year average return on invested capital (ROIC) of 8.9%. This is below average and may indicate limited pricing power.
ACI WORLDWIDE, INC. (ACIW) has a market capitalization of $5.7B. It is classified as a mid-cap stock.
ACI WORLDWIDE, INC. (ACIW) does not currently pay a regular dividend. However, the company returns capital to shareholders through share buybacks, with a buyback yield of 4.44%.
Based on historical P/E analysis, ACI WORLDWIDE, INC. (ACIW) appears fair. The current P/E of 26.1 is 4% below its historical median of 27.3. The estimated fair value CAGR (P/E method) is 22.3%.
ACI WORLDWIDE, INC. (ACIW) operates in the Services-Prepackaged Software industry, within the Technology sector.
ACI WORLDWIDE, INC. (ACIW) reported annual revenue of $1.8 billion in its most recent fiscal year, based on SEC EDGAR filings.
ITEM 1. BUSINESS ACI develops, markets, installs, and supports a broad line of software solutions that deliver intelligent payments orchestration to banks, merchants, and billers. ACI powers the world's payments ecosystem by supporting any channel, any network, and any payment type. Our solutions support the new payment experiences that help power customers' growth and drive innovation. Our intelligent payments orchestration solutions empower customers to modernize their payments infrastructure to support the transactions their businesses need to stay ahead - at scale and without downtime. At ACI, we build software solutions that make complex payments simple and secure for the world’s leading financial institutions and large enterprises.
| Metric | TTM | FY2025 | FY2024 | FY2023 | FY2022 | FY2021 |
|---|---|---|---|---|---|---|
| Revenue | 1.8B | 1.8B | 1.6B | 1.5B | 1.4B | 1.4B |
| Net Income | 206M | 227M | 203M | 122M | 142M | 128M |
| EPS | $2.01 | $2.16 | $1.91 | $1.12 | $1.24 | $1.08 |
| Free Cash Flow | 295M | 310M | 343M | 160M | 130M | 200M |
| ROIC | 11.1% | 11.3% | 11.5% | 8.3% | 6.4% | 6.9% |
| Gross Margin | - | 49.0% | 50.3% | 50.5% | 51.0% | 53.4% |
| Debt/Equity | 0.54 | 0.56 | 0.67 | 0.81 | 0.95 | 0.90 |
| Dividends/Share | $0.00 | - | - | - | - | - |
| Operating Income | 329M | 330M | 308M | 220M | 204M | 210M |
| Operating Margin | 18.4% | 18.7% | 19.3% | 15.2% | 14.3% | 15.3% |
| ROE | 13.7% | 15.4% | 14.8% | 9.7% | 11.7% | 10.4% |
| Shares Outstanding | 101M | 105M | 106M | 108M | 115M | 118M |
| Metric | |||||||||||||
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Income Statement | |||||||||||||
| Revenue | 1.0B | 1.0B | 1.0B | 1.0B | 1.0B | 1.3B | 1.3B | 1.4B | 1.4B | 1.5B | 1.6B | 1.8B | 1.8B |
| Gross Margin | 57.7% | 54.8% | 55.8% | 55.8% | 57.4% | 50.9% | 51.9% | 53.4% | 51.0% | 50.5% | 50.3% | 49.0% | N/A |
| R&D | 144M | 146M | 170M | 137M | 144M | 147M | 139M | 144M | 146M | 141M | 147M | 168M | 173M |
| SG&A | 95M | 87M | 114M | 153M | 107M | 135M | 152M | 124M | 114M | 117M | 118M | 143M | 155M |
| EBIT | 138M | 128M | 221M | 85M | 126M | 124M | 145M | 210M | 204M | 220M | 308M | 330M | 329M |
| Op. Margin | 13.6% | 12.2% | 22.0% | 8.3% | 12.5% | 9.8% | 11.2% | 15.3% | 14.3% | 15.2% | 19.3% | 18.7% | 18.4% |
| Net Income | 68M | 85M | 130M | 5.1M | 69M | 67M | 73M | 128M | 142M | 122M | 203M | 227M | 206M |
| Net Margin | 6.6% | 8.2% | 12.9% | 0.5% | 6.8% | 5.3% | 5.6% | 9.3% | 10.0% | 8.4% | 12.7% | 12.9% | 11.5% |
| Non-Recurring | 8.5M | 1.3M | 157M | 2.4M | 0 | 0 | 0 | 0 | 38M | 0 | 0 | 0 | 0 |
| Returns on Capital | |||||||||||||
| ROIC | 7.3% | 6.7% | 10.6% | 3.6% | 6.4% | 5.7% | 4.6% | 6.9% | 6.4% | 8.3% | 11.5% | 11.3% | 11.1% |
| ROE | 12.0% | 13.8% | 18.4% | 0.7% | 7.6% | 6.2% | 6.2% | 10.4% | 11.7% | 9.7% | 14.8% | 15.4% | 13.7% |
| ROA | 3.8% | 4.5% | 6.7% | 0.3% | 3.5% | 2.5% | 2.2% | 3.9% | 4.5% | 3.7% | 6.3% | 7.4% | 6.6% |
| Cash Flow | |||||||||||||
| Op. Cash Flow | 161M | 188M | 100M | 146M | 184M | 133M | 315M | 220M | 143M | 169M | 359M | 323M | 309M |
| Free Cash Flow | 143M | 161M | 59M | 120M | 166M | 110M | 297M | 200M | 130M | 160M | 343M | 310M | 295M |
| Owner Earnings | 63M | 72M | -47M | 30M | 66M | -27M | 145M | 60M | -14M | 22M | 207M | 155M | 135M |
| CapEx | 18M | 27M | 41M | 26M | 18M | 23M | 18M | 21M | 13M | 8.9M | 15M | 13M | 14M |
| Maint. CapEx | 87M | 97M | 103M | 102M | 97M | 123M | 140M | 133M | 127M | 122M | 111M | 97M | 98M |
| Growth CapEx | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| D&A | 87M | 97M | 103M | 102M | 97M | 123M | 140M | 133M | 127M | 122M | 111M | 97M | 98M |
| CapEx/OCF | 11.8% | 14.5% | 40.9% | 17.6% | 9.9% | 16.8% | 5.7% | 9.3% | 9.1% | 5.3% | 4.3% | 4.0% | 4.4% |
| Capital Allocation | |||||||||||||
| Dividends Paid | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Dividend Yield | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| Share Buybacks | 70M | 4.6M | 60M | 37M | 55M | 36M | 29M | 107M | 207M | 28M | 128M | 203M | 254M |
| Buyback Yield | 2.9% | 0.2% | 2.8% | 1.3% | 1.7% | 0.8% | 0.6% | 2.6% | 8.2% | 0.8% | 2.3% | 4.0% | 4.4% |
| Stock-Based Comp | 11M | 18M | 44M | 14M | 20M | 37M | 30M | 27M | 30M | 25M | 41M | 71M | 76M |
| Debt Repayment | 8.3M | 13M | 14M | 9.9M | 4.8M | 13M | 0 | 0 | 0 | 2.2M | 5.1M | 134K | 134K |
| Balance Sheet | |||||||||||||
| Net Debt | 815M | 822M | 668M | 616M | 523M | 1.3B | 1.0B | 999M | 1.0B | 912M | 740M | 653M | 646M |
| Cash & Equiv. | 77M | 102M | 76M | 70M | 149M | 121M | 165M | 122M | 125M | 164M | 216M | 196M | 162M |
| Long-Term Debt | 805M | 834M | 654M | 668M | 651M | 1.3B | 1.1B | 1.0B | 1.0B | 964M | 890M | 777M | 766M |
| Debt/Equity | 1.53 | 1.41 | 0.99 | 0.90 | 0.64 | 1.27 | 1.00 | 0.90 | 0.95 | 0.81 | 0.67 | 0.56 | 0.54 |
| Interest Coverage | 3.5 | 3.1 | 5.5 | 2.2 | 3.0 | 1.9 | 2.6 | 4.7 | 3.8 | 2.8 | 4.3 | 5.7 | 5.7 |
| Equity | 581M | 654M | 755M | 765M | 1.0B | 1.1B | 1.2B | 1.2B | 1.2B | 1.3B | 1.4B | 1.5B | 1.5B |
| Total Assets | 1.9B | 2.0B | 1.9B | 1.9B | 2.1B | 3.3B | 3.4B | 3.2B | 3.2B | 3.4B | 3.0B | 3.1B | 3.1B |
| Total Liabilities | 1.3B | 1.3B | 1.1B | 1.1B | 1.1B | 2.1B | 2.2B | 1.9B | 2.0B | 2.1B | 1.6B | 1.6B | 1.6B |
| Intangibles | 261M | 257M | 204M | 191M | 168M | 357M | 322M | 283M | 229M | 196M | 165M | 147M | 141M |
| Retained Earnings | 331M | 417M | 546M | 551M | 864M | 931M | 1.0B | 1.1B | 1.3B | 1.4B | 1.6B | 1.8B | 1.9B |
| Working Capital | -4.7M | -2.4M | 32M | 100M | 270M | 308M | 249M | 183M | 256M | 369M | 388M | 383M | 394M |
| Current Assets | 374M | 383M | 408M | 422M | 566M | 920M | 1.2B | 937M | 1.1B | 1.4B | 991M | 1.1B | 1.1B |
| Current Liabilities | 379M | 385M | 376M | 322M | 297M | 612M | 906M | 754M | 859M | 1.0B | 603M | 706M | 739M |
| Per Share Data | |||||||||||||
| EPS | 0.58 | 0.72 | 1.09 | 0.04 | 0.59 | 0.57 | 0.62 | 1.08 | 1.24 | 1.12 | 1.91 | 2.16 | 2.01 |
| Owner EPS | 0.54 | 0.61 | -0.40 | 0.24 | 0.57 | -0.23 | 1.24 | 0.51 | -0.12 | 0.20 | 1.94 | 1.48 | 1.33 |
| Book Value | 4.99 | 5.51 | 6.35 | 5.96 | 8.97 | 9.60 | 10.30 | 10.52 | 10.41 | 12.21 | 13.39 | 14.48 | 14.80 |
| Cash Flow/Share | 1.38 | 1.58 | 0.84 | 1.14 | 1.57 | 1.13 | 2.69 | 1.86 | 1.25 | 1.55 | 3.37 | 3.08 | 3.00 |
| Dividends/Share | 0.00 | 0.00 | 0.00 | 0.00 | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 0.00 |
| Shares Out. | 116.5M | 118.7M | 118.8M | 128.4M | 116.8M | 117.7M | 117.2M | 118.3M | 114.7M | 108.5M | 106.3M | 104.9M | 101.4M |
| Valuation | |||||||||||||
| P/E Ratio | 35.8 | 31.0 | 16.7 | 564.2 | 46.2 | 66.2 | 61.6 | 32.2 | 17.8 | 27.3 | 27.2 | 22.6 | 28.1 |
| P/FCF | 16.9 | 16.5 | 36.7 | 24.0 | 19.2 | 40.5 | 15.1 | 20.6 | 19.4 | 20.8 | 16.1 | 16.5 | 19.3 |
| EV/EBIT | 23.5 | 27.1 | 12.9 | 40.9 | 28.4 | 45.6 | 37.2 | 23.9 | 17.0 | 18.7 | 19.7 | 17.0 | 19.3 |
| Price/Book | 4.2 | 4.1 | 2.9 | 3.8 | 3.0 | 3.9 | 3.7 | 3.3 | 2.1 | 2.5 | 3.9 | 3.4 | 3.8 |
| Price/Sales | 2.2 | 2.5 | 2.3 | 2.8 | 3.0 | 3.0 | 2.7 | 3.1 | 2.2 | 1.8 | 2.7 | 3.0 | 3.2 |
| FCF Yield | 5.9% | 6.1% | 2.7% | 4.2% | 5.2% | 2.5% | 6.6% | 4.9% | 5.1% | 4.8% | 6.2% | 6.1% | 5.2% |
| Market Cap | 2.4B | 2.7B | 2.2B | 2.9B | 3.2B | 4.4B | 4.5B | 4.1B | 2.5B | 3.3B | 5.5B | 5.1B | 5.7B |
| Avg. Price | 19.16 | 22.24 | 19.25 | 22.10 | 25.56 | 32.28 | 29.77 | 35.94 | 26.79 | 24.71 | 41.17 | 49.48 | 56.31 |
| Year-End Price | 20.77 | 22.35 | 18.24 | 22.57 | 27.25 | 37.72 | 38.22 | 34.78 | 22.09 | 30.56 | 51.90 | 48.73 | 56.31 |
ACI WORLDWIDE, INC. passes 7 of 9 quality checks, indicating strong fundamentals.
ACI WORLDWIDE, INC. trades at 26.1x trailing earnings, compared to its 15-year median P/E of 27.3x, suggesting it is currently Fair relative to its historical range. On a free-cash-flow basis, the stock trades at 19.1x vs a median of 20.0x. The company's 5-year average ROIC is 8.9% with a gross margin of 50.8%. Total shareholder yield (buybacks) is 4.4%. At current prices, the estimated annualized return to fair value is +8.6%.
ACI WORLDWIDE, INC. (ACIW) has a net profit margin of 12.9%. This is a healthy margin.
ACI WORLDWIDE, INC. (ACIW) generated $310 million in free cash flow in its most recent fiscal year. Positive free cash flow supports dividends, buybacks, and debt reduction.
ACI WORLDWIDE, INC. (ACIW) has a debt-to-equity ratio of 0.56. This indicates moderate leverage.
ACI WORLDWIDE, INC. (ACIW) reported earnings per share (EPS) of $2.16 in its most recent fiscal year.
ACI WORLDWIDE, INC. (ACIW) has a return on equity (ROE) of 15.4%. This indicates the company generates strong returns for shareholders.
ACI WORLDWIDE, INC. (ACIW) has a 5-year average gross margin of 50.8%. This high margin suggests strong pricing power and a potential competitive moat.
The Ledger Terminal provides 17 years of financial data for ACI WORLDWIDE, INC. (ACIW), sourced directly from SEC EDGAR filings. This includes income statements, balance sheets, cash flow statements, and key financial ratios.
ACI WORLDWIDE, INC. (ACIW) has a book value per share of $14.48, based on its most recent annual SEC filing.