ACI WORLDWIDE INC (ACIW) Stock Fundamental Analysis
NASDAQ:ACIW • US0044981019
39.56 USD
+0.29 (+0.74%)
At close: Feb 13, 2026
39.56 USD
0 (0%)
After Hours: 2/13/2026, 8:00:00 PM
Overall ACIW gets a fundamental rating of 6 out of 10. We evaluated ACIW against 276 industry peers in the Software industry. While ACIW belongs to the best of the industry regarding profitability, there are some minor concerns on its financial health. ACIW scores decently on growth, while it is valued quite cheap. This could make an interesting combination. This makes ACIW very considerable for value investing!
1. Profitability
1.1 Basic Checks
- In the past year ACIW was profitable.
- ACIW had a positive operating cash flow in the past year.
- ACIW had positive earnings in each of the past 5 years.
- ACIW had a positive operating cash flow in each of the past 5 years.
1.2 Ratios
- Looking at the Return On Assets, with a value of 8.25%, ACIW belongs to the top of the industry, outperforming 80.80% of the companies in the same industry.
- With an excellent Return On Equity value of 17.64%, ACIW belongs to the best of the industry, outperforming 84.78% of the companies in the same industry.
- Looking at the Return On Invested Capital, with a value of 12.15%, ACIW belongs to the top of the industry, outperforming 87.68% of the companies in the same industry.
- Measured over the past 3 years, the Average Return On Invested Capital for ACIW is below the industry average of 10.74%.
- The 3 year average ROIC (8.48%) for ACIW is below the current ROIC(12.15%), indicating increased profibility in the last year.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 8.25% | ||
| ROE | 17.64% | ||
| ROIC | 12.15% |
ROA(3y)4.89%
ROA(5y)4.17%
ROE(3y)11.78%
ROE(5y)10.33%
ROIC(3y)8.48%
ROIC(5y)7.85%
1.3 Margins
- Looking at the Profit Margin, with a value of 15.07%, ACIW is in the better half of the industry, outperforming 78.62% of the companies in the same industry.
- In the last couple of years the Profit Margin of ACIW has grown nicely.
- ACIW has a better Operating Margin (20.82%) than 86.59% of its industry peers.
- ACIW's Operating Margin has improved in the last couple of years.
- With a Gross Margin value of 49.67%, ACIW is not doing good in the industry: 71.74% of the companies in the same industry are doing better.
- In the last couple of years the Gross Margin of ACIW has remained more or less at the same level.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| OM | 20.82% | ||
| PM (TTM) | 15.07% | ||
| GM | 49.67% |
OM growth 3Y6.84%
OM growth 5Y11.36%
PM growth 3Y10.97%
PM growth 5Y19.03%
GM growth 3Y-1.94%
GM growth 5Y-0.23%
2. Health
2.1 Basic Checks
- With a Return on Invested Capital (ROIC) just above the Cost of Capital (WACC), ACIW is creating some value.
- ACIW has less shares outstanding than it did 1 year ago.
- Compared to 5 years ago, ACIW has less shares outstanding
- Compared to 1 year ago, ACIW has a worse debt to assets ratio.
2.2 Solvency
- ACIW has an Altman-Z score of 3.32. This indicates that ACIW is financially healthy and has little risk of bankruptcy at the moment.
- The Altman-Z score of ACIW (3.32) is better than 67.39% of its industry peers.
- ACIW has a debt to FCF ratio of 3.02. This is a good value and a sign of high solvency as ACIW would need 3.02 years to pay back of all of its debts.
- ACIW has a better Debt to FCF ratio (3.02) than 63.04% of its industry peers.
- A Debt/Equity ratio of 0.56 indicates that ACIW is somewhat dependend on debt financing.
- The Debt to Equity ratio of ACIW (0.56) is worse than 68.48% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.56 | ||
| Debt/FCF | 3.02 | ||
| Altman-Z | 3.32 |
ROIC/WACC1.09
WACC11.1%
2.3 Liquidity
- ACIW has a Current Ratio of 1.58. This is a normal value and indicates that ACIW is financially healthy and should not expect problems in meeting its short term obligations.
- ACIW has a Current ratio (1.58) which is in line with its industry peers.
- ACIW has a Quick Ratio of 1.58. This is a normal value and indicates that ACIW is financially healthy and should not expect problems in meeting its short term obligations.
- Looking at the Quick ratio, with a value of 1.58, ACIW is in line with its industry, outperforming 48.91% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | 1.58 | ||
| Quick Ratio | 1.58 |
3. Growth
3.1 Past
- The Earnings Per Share has grown by an nice 17.54% over the past year.
- ACIW shows a strong growth in Earnings Per Share. Measured over the last years, the EPS has been growing by 27.49% yearly.
- Looking at the last year, ACIW shows a small growth in Revenue. The Revenue has grown by 7.01% in the last year.
- ACIW shows a small growth in Revenue. Measured over the last years, the Revenue has been growing by 4.85% yearly.
EPS 1Y (TTM)17.54%
EPS 3Y21.14%
EPS 5Y27.49%
EPS Q2Q%14.29%
Revenue 1Y (TTM)7.01%
Revenue growth 3Y5.17%
Revenue growth 5Y4.85%
Sales Q2Q%6.78%
3.2 Future
- Based on estimates for the next years, ACIW will show a quite strong growth in Earnings Per Share. The EPS will grow by 14.85% on average per year.
- ACIW is expected to show a small growth in Revenue. In the coming years, the Revenue will grow by 7.95% yearly.
EPS Next Y24.76%
EPS Next 2Y16.39%
EPS Next 3Y14.85%
EPS Next 5YN/A
Revenue Next Year9.42%
Revenue Next 2Y8.16%
Revenue Next 3Y7.95%
Revenue Next 5YN/A
3.3 Evolution
- The estimated forward EPS growth is still strong, although it is decreasing when compared to the stronger growth in the past years.
- The Revenue growth rate is accelerating: in the next years the growth will be better than in the last years.
4. Valuation
4.1 Price/Earnings Ratio
- The Price/Earnings ratio is 15.95, which indicates a correct valuation of ACIW.
- 77.90% of the companies in the same industry are more expensive than ACIW, based on the Price/Earnings ratio.
- The average S&P500 Price/Earnings ratio is at 27.19. ACIW is valued slightly cheaper when compared to this.
- Based on the Price/Forward Earnings ratio of 15.21, the valuation of ACIW can be described as correct.
- Based on the Price/Forward Earnings ratio, ACIW is valued a bit cheaper than the industry average as 74.64% of the companies are valued more expensively.
- ACIW is valuated rather cheaply when we compare the Price/Forward Earnings ratio to 28.06, which is the current average of the S&P500 Index.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 15.95 | ||
| Fwd PE | 15.21 |
4.2 Price Multiples
- ACIW's Enterprise Value to EBITDA ratio is rather cheap when compared to the industry. ACIW is cheaper than 87.68% of the companies in the same industry.
- Based on the Price/Free Cash Flow ratio, ACIW is valued cheaply inside the industry as 82.61% of the companies are valued more expensively.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 14.17 | ||
| EV/EBITDA | 10.56 |
4.3 Compensation for Growth
- ACIW's low PEG Ratio(NY), which compensates the Price/Earnings for growth, indicates a rather cheap valuation of the company.
- The excellent profitability rating of ACIW may justify a higher PE ratio.
- A more expensive valuation may be justified as ACIW's earnings are expected to grow with 14.85% in the coming years.
PEG (NY)0.64
PEG (5Y)0.58
EPS Next 2Y16.39%
EPS Next 3Y14.85%
5. Dividend
5.1 Amount
- No dividends for ACIW!.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 0% |
39.56
+0.29 (+0.74%)
Chartmill FA Rating
GICS SectorInformation Technology
GICS IndustryGroupSoftware & Services
GICS IndustrySoftware
Earnings (Last)11-06 2025-11-06/bmo
Earnings (Next)02-26 2026-02-26/amc
Inst Owners101.2%
Inst Owner Change-3.99%
Ins Owners0.64%
Ins Owner Change2.63%
Market Cap4.08B
Revenue(TTM)1.73B
Net Income(TTM)260.88M
Analysts84.62
Price Target63.72 (61.07%)
Short Float %3.86%
Short Ratio5.67
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 0% |
Yearly DividendN/A
Dividend Growth(5Y)N/A
DPN/A
Div Incr Years0
Div Non Decr Years0
Ex-DateN/A
Surprises & Revisions
EPS beat(2)2
Avg EPS beat(2)16.84%
Min EPS beat(2)7.62%
Max EPS beat(2)26.05%
EPS beat(4)4
Avg EPS beat(4)73.09%
Min EPS beat(4)7.62%
Max EPS beat(4)202.37%
EPS beat(8)8
Avg EPS beat(8)96.21%
EPS beat(12)10
Avg EPS beat(12)79.13%
EPS beat(16)10
Avg EPS beat(16)55.53%
Revenue beat(2)2
Avg Revenue beat(2)2.51%
Min Revenue beat(2)1.63%
Max Revenue beat(2)3.39%
Revenue beat(4)3
Avg Revenue beat(4)2.39%
Min Revenue beat(4)-1.68%
Max Revenue beat(4)6.21%
Revenue beat(8)6
Avg Revenue beat(8)2.89%
Revenue beat(12)9
Avg Revenue beat(12)2.88%
Revenue beat(16)12
Avg Revenue beat(16)2.05%
PT rev (1m)-4.81%
PT rev (3m)0.72%
EPS NQ rev (1m)-1.44%
EPS NQ rev (3m)-3.81%
EPS NY rev (1m)-0.21%
EPS NY rev (3m)1.88%
Revenue NQ rev (1m)-0.23%
Revenue NQ rev (3m)-0.23%
Revenue NY rev (1m)0.06%
Revenue NY rev (3m)0.85%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 15.95 | ||
| Fwd PE | 15.21 | ||
| P/S | 2.36 | ||
| P/FCF | 14.17 | ||
| P/OCF | 12.45 | ||
| P/B | 2.76 | ||
| P/tB | 183.31 | ||
| EV/EBITDA | 10.56 |
EPS(TTM)2.48
EY6.27%
EPS(NY)2.6
Fwd EY6.57%
FCF(TTM)2.79
FCFY7.06%
OCF(TTM)3.18
OCFY8.03%
SpS16.79
BVpS14.35
TBVpS0.22
PEG (NY)0.64
PEG (5Y)0.58
Graham Number28.3
Profitability
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 8.25% | ||
| ROE | 17.64% | ||
| ROCE | 14.87% | ||
| ROIC | 12.15% | ||
| ROICexc | 13.24% | ||
| ROICexgc | 38.36% | ||
| OM | 20.82% | ||
| PM (TTM) | 15.07% | ||
| GM | 49.67% | ||
| FCFM | 16.62% |
ROA(3y)4.89%
ROA(5y)4.17%
ROE(3y)11.78%
ROE(5y)10.33%
ROIC(3y)8.48%
ROIC(5y)7.85%
ROICexc(3y)9.15%
ROICexc(5y)8.42%
ROICexgc(3y)29.24%
ROICexgc(5y)30.02%
ROCE(3y)10.38%
ROCE(5y)9.61%
ROICexgc growth 3Y3.32%
ROICexgc growth 5Y14.4%
ROICexc growth 3Y13.64%
ROICexc growth 5Y19.94%
OM growth 3Y6.84%
OM growth 5Y11.36%
PM growth 3Y10.97%
PM growth 5Y19.03%
GM growth 3Y-1.94%
GM growth 5Y-0.23%
F-Score8
Asset Turnover0.55
Health
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.56 | ||
| Debt/FCF | 3.02 | ||
| Debt/EBITDA | 1.84 | ||
| Cap/Depr | 44.63% | ||
| Cap/Sales | 2.3% | ||
| Interest Coverage | 5.92 | ||
| Cash Conversion | 72.87% | ||
| Profit Quality | 110.3% | ||
| Current Ratio | 1.58 | ||
| Quick Ratio | 1.58 | ||
| Altman-Z | 3.32 |
F-Score8
WACC11.1%
ROIC/WACC1.09
Cap/Depr(3y)34.27%
Cap/Depr(5y)34.01%
Cap/Sales(3y)2.74%
Cap/Sales(5y)3.03%
Profit Quality(3y)111.61%
Profit Quality(5y)168.18%
High Growth Momentum
Growth
EPS 1Y (TTM)17.54%
EPS 3Y21.14%
EPS 5Y27.49%
EPS Q2Q%14.29%
EPS Next Y24.76%
EPS Next 2Y16.39%
EPS Next 3Y14.85%
EPS Next 5YN/A
Revenue 1Y (TTM)7.01%
Revenue growth 3Y5.17%
Revenue growth 5Y4.85%
Sales Q2Q%6.78%
Revenue Next Year9.42%
Revenue Next 2Y8.16%
Revenue Next 3Y7.95%
Revenue Next 5YN/A
EBIT growth 1Y0.34%
EBIT growth 3Y12.36%
EBIT growth 5Y16.75%
EBIT Next Year73.52%
EBIT Next 3Y26.08%
EBIT Next 5YN/A
FCF growth 1Y258.35%
FCF growth 3Y21.45%
FCF growth 5Y29.97%
OCF growth 1Y163.72%
OCF growth 3Y17.61%
OCF growth 5Y22.03%
ACI WORLDWIDE INC / ACIW FAQ
What is the fundamental rating for ACIW stock?
ChartMill assigns a fundamental rating of 6 / 10 to ACIW.
What is the valuation status for ACIW stock?
ChartMill assigns a valuation rating of 7 / 10 to ACI WORLDWIDE INC (ACIW). This can be considered as Undervalued.
What is the profitability of ACIW stock?
ACI WORLDWIDE INC (ACIW) has a profitability rating of 8 / 10.
What is the valuation of ACI WORLDWIDE INC based on its PE and PB ratios?
The Price/Earnings (PE) ratio for ACI WORLDWIDE INC (ACIW) is 15.95 and the Price/Book (PB) ratio is 2.76.