ACI Worldwide ACIW
United StatesTechnology · Software - InfrastructureUSD
67.33 USD (+32.9%)
3 analysts
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ACI Worldwide is a software company providing electronic payment and real-time banking solutions for banks, payment processors, and merchants globally.
Key points
from its scores- ✓Strong growth8.1
- ✕Little or no dividend1.5
- ✕Poor share-price trend4.7
AI analysis
bottom line, main risk, context and newsThe strong earnings growth and reasonable forward valuation offset the tight operating margin and lack of dividend.
ACI Worldwide shows earnings growth of 165.20% and a forward P/E of 13.02, indicating an attractive valuation for its expansion pace, although its operating margin of 10.47% is modest and its dividend yield is nil.
The main risk is the reliance on such high earnings growth (165.20%) which may not be sustainable if payment software spending decelerates or competition pressures margins.
Context and risks
No recent relevant news and no material exposure to current macro factors (rates, oil, tariffs). ACI Worldwide is a payment software company with a healthy balance sheet (Net Debt/EBITDA of 1.82) and does not depend on commodities or conflict-affected shipping routes.
Is ACI Worldwide stock cheap or expensive?
at the analysis dateOn P/E and EV / EBITDA, it trades 26% below the Technology median on average.
| Multiple | Company | Sector | Difference |
|---|---|---|---|
| P/E | 23.1 | 31.3 | −26% |
| EV / EBITDA | 15.2 | 20.4 | −26% |
| Price / book | 3.4 | 6.3 | −46% |
| Price / sales | 2.8 | 5.3 | −47% |
Sector: median of the 283 Technology companies analysed. In bold, the multiples used for the comparison.
Valuation score: 6.5 out of 10 (median for Technology: 5.3).
Average analyst target: 67.33 USD, +32.9% versus the price.
A discount may reflect more risk or slower growth than its sector: Financial health 6.0 (sector 6.9), Growth 8.1 (sector 7.5).
Classic formulas with standard assumptions (10.0% growth, 8-9% discount rate). Indicative only: they change a lot with the assumptions and are not a recommendation.
Work out its fair value yourself →How much would you have made investing every month? →
Comparing it with its sector does not say whether it is a good buy: this is not investment advice.
Score by category
0 to 10 · hover overtap each one to see what it measuresKey metrics
at the analysis date · compared with the Technology medianValuation
- P/E
- 23.1
- Forward P/E
- 13.0
- EV / EBITDA
- 15.2
- Price / book
- 3.4
- Price / sales
- 2.8
- PEG
- 1.78
- Market cap
- 5.1B USD
- Enterprise value
- 5.8B USD
Profitability
- ROE
- 15.6%
- ROA
- 7.0%
- ROIC (approx.)
- 8.1%
- Gross margin
- 49.1%
- Operating margin
- 10.5%
- Net margin
- 12.4%
- Free cash flow
- 260.5M USD
- FCF yield
- 5.1%
- Cash conversion
- 68%
Solvency
- Total debt
- 863.6M USD
- Net debt
- 696.2M USD
- Cash
- 167.4M USD
- EBITDA
- 383.2M USD
- Net debt / EBITDA
- 1.82
- Debt / equity
- 57.70
- Current ratio
- 1.58
- Quick ratio
- 0.87
Growth
- Revenue growth
- +7.3%
- Earnings growth
- +165.2%
- EPS (TTM)
- 2.19 USD
- EPS (forward)
- 3.89 USD
Dividend
- Dividend yield
- 0.0%
- Payout
- 0.0%
Risk and market
- Beta
- 0.99
- Analyst consensus
- none (3)
- Target price
- 67.33 USD
- 52-week range
- 38.05 – 61.08
Recent news
All ACIW news →Compare it with its sector
All 283 in Technology →Frequently asked questions about ACI Worldwide
Is ACI Worldwide stock cheap or expensive?
On P/E and EV / EBITDA, it trades 26% below the Technology median on average. Valuation score: 6.5 out of 10 (median for Technology: 5.3). Average analyst target: 67.33 USD, +32.9% versus the price. This is not investment advice.
What score does ACI Worldwide get on MeridIAn Screener?
It scores 6.3 out of 10, rank 684 of 2,130 (better than 63% of the companies analysed). Its strongest category is Growth (8.1) and its weakest, Dividend (1.5). Analysis of 08/10/2026.
What is ACI Worldwide's P/E ratio?
Its P/E is 23.1: the share price equals 23.1 times earnings per share over the last 12 months. The Technology median is 31.3. Based on the earnings analysts expect, the forward P/E is 13.0.
How much is ACI Worldwide worth on the stock market?
Its market capitalisation is 5.1B USD and its enterprise value, debt included, is 5.8B USD.
How much debt does ACI Worldwide have?
Its net debt (debt minus cash) is 696.2M USD. That is 1.82 times its EBITDA; the Technology median is 0.20.
Does ACI Worldwide pay a dividend?
It pays no dividend, or almost none.
How has ACI Worldwide stock performed over the last year?
It has fallen 0.7% over the last year, excluding dividends. Over the last 52 weeks it has traded between 38.05 and 61.08 USD. Past performance does not guarantee future results.
What do analysts think of ACI Worldwide?
3 analysts cover it; their average recommendation is “none” and their average target is 67.33 USD (+32.9% versus the price). It is an estimate, not market data.