ACI Worldwide/$ACIW
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About ACI Worldwide
ACI Worldwide Inc develops, markets and installs a portfolio of software products focused on facilitating electronic payments. The firm also leverages its distribution network in the Americas; Europe, the Middle East, and Africa, or EMEA; and Asia-Pacific regions to sell software developed by third parties. ACI software products process payment transactions for retail banking clients, billers such as utilities and healthcare providers, and community banks and credit unions. ACI's customers are financial institutions all over the world, but majority of the revenue is generated in the United States and EMEA regions.
Ticker
$ACIW
Sector
Software & Cloud Services
Primary listing
Employees
3,103
Headquarters
Website
ACI Worldwide Metrics
BasicAdvanced
$4.9B
19.40
$2.47
1.09
-
Price and volume
Market cap
$4.9B
Beta
1.09
52-week high
$58.22
52-week low
$40.45
Average daily volume
704K
Financial strength
Current ratio
1.579
Quick ratio
0.895
Long term debt to equity
57.471
Total debt to equity
60.238
Interest coverage (TTM)
5.78%
Profitability
EBITDA (TTM)
384.846
Gross margin (TTM)
49.67%
Net profit margin (TTM)
15.07%
Operating margin (TTM)
20.76%
Effective tax rate (TTM)
17.93%
Revenue per employee (TTM)
$560,000
Management effectiveness
Return on assets (TTM)
7.01%
Return on equity (TTM)
18.58%
Valuation
Price to earnings (TTM)
19.401
Price to revenue (TTM)
2.897
Price to book
3.35
Price to tangible book (TTM)
222.78
Price to free cash flow (TTM)
17.43
Free cash flow yield (TTM)
5.74%
Free cash flow per share (TTM)
2.754
Growth
Revenue change (TTM)
7.01%
Earnings per share change (TTM)
16.89%
3-year revenue growth (CAGR)
6.41%
10-year revenue growth (CAGR)
5.35%
3-year earnings per share growth (CAGR)
20.94%
10-year earnings per share growth (CAGR)
12.73%
What the Analysts think about ACI Worldwide
Analyst ratings (Buy, Hold, Sell) for ACI Worldwide stock.
Bulls say / Bears say
In Q3 2025, ACI posted revenue of $482.36 million, exceeding consensus expectations of $465.33 million, and delivered EPS of $0.88 that surpassed estimates; management also raised full-year revenue and adjusted EBITDA guidance.
Recurring revenue grew 10% year-over-year to $298 million, making up 62% of total revenue—highlighting strong growth from subscriptions and robust customer retention.
The board increased its share repurchase authorization to $500 million, underscoring a disciplined approach to capital allocation and the goal of returning value to shareholders.
Wall Street Zen downgraded ACI from “strong-buy” to “hold” on August 11, 2025, indicating some caution from sell-side analysts due to valuation and competitive pressures.
Jefferies Financial Group lowered its price target for ACI from $68 to $60 on May 27, 2025, reflecting analyst expectations of limited upside at the current valuation.
ACI reported net debt of $873 million and a leverage ratio of 1.3× adjusted EBITDA as of Q3 2025, which could limit its ability to invest in acquisitions or research and development.
Data summarised monthly by Lightyear AI. Last updated on 8 Nov 2025.
ACI Worldwide Financial Performance
Revenues and expenses
ACI Worldwide Earnings Performance
Company profitability
ACI Worldwide News
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Data displayed above is indicative only and its accuracy or completeness is not guaranteed. Actual execution price may vary. Past performance is not indicative of future results. Your return may be affected by currency fluctuations and applicable fees and charges. Capital at risk.
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Capital at risk
Upcoming events
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FAQs
What’s the current market cap for ACI Worldwide stock?
ACI Worldwide (ACIW) has a market cap of $4.9B as of November 12, 2025.
What is the P/E ratio for ACI Worldwide stock?
The price to earnings (P/E) ratio for ACI Worldwide (ACIW) stock is 19.4 as of November 12, 2025.
Does ACI Worldwide stock pay dividends?
No, ACI Worldwide (ACIW) stock does not pay dividends to its shareholders as of November 12, 2025.
When is the next ACI Worldwide dividend payment date?
ACI Worldwide (ACIW) stock does not pay dividends to its shareholders.
What is the beta indicator for ACI Worldwide?
ACI Worldwide (ACIW) has a beta rating of 1.09. This means that it is more volatile than the market, on average. A beta of 1 would indicate the stock moves in-line with the market, while a beta of 2 would indicate the stock moves twice as much as the market.