43.505 USD
+0.15 (+0.33%)
Last: Feb 2, 2026, 03:54 PM
Taking everything into account, ACIW scores 6 out of 10 in our fundamental rating. ACIW was compared to 278 industry peers in the Software industry. ACIW has an excellent profitability rating, but there are some minor concerns on its financial health. ACIW is valued quite cheap, while showing a decent growth score. This is a good combination! This makes ACIW very considerable for value investing!
1. Profitability
1.1 Basic Checks
- ACIW had positive earnings in the past year.
- In the past year ACIW had a positive cash flow from operations.
- In the past 5 years ACIW has always been profitable.
- In the past 5 years ACIW always reported a positive cash flow from operatings.
1.2 Ratios
- With an excellent Return On Assets value of 8.25%, ACIW belongs to the best of the industry, outperforming 80.94% 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 85.61% of the companies in the same industry.
- ACIW has a better Return On Invested Capital (12.16%) than 88.13% of its industry peers.
- The Average Return On Invested Capital over the past 3 years for ACIW is below the industry average of 10.73%.
- The last Return On Invested Capital (12.16%) for ACIW is above the 3 year average (8.48%), which is a sign of increasing profitability.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 8.25% | ||
| ROE | 17.64% | ||
| ROIC | 12.16% |
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
- ACIW has a Profit Margin of 15.07%. This is in the better half of the industry: ACIW outperforms 78.06% of its industry peers.
- ACIW's Profit Margin has improved in the last couple of years.
- ACIW has a better Operating Margin (20.83%) than 87.05% of its industry peers.
- In the last couple of years the Operating Margin of ACIW has grown nicely.
- ACIW has a worse Gross Margin (49.67%) than 70.86% of its industry peers.
- 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 | 20.83% | ||
| 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.
- ACIW has less shares outstanding than it did 5 years ago.
- ACIW has a worse debt/assets ratio than last year.
2.2 Solvency
- An Altman-Z score of 3.46 indicates that ACIW is not in any danger for bankruptcy at the moment.
- With a decent Altman-Z score value of 3.46, ACIW is doing good in the industry, outperforming 67.63% of the companies in the same industry.
- 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.
- With a decent Debt to FCF ratio value of 3.02, ACIW is doing good in the industry, outperforming 64.39% of the companies in the same industry.
- ACIW has a Debt/Equity ratio of 0.56. This is a neutral value indicating ACIW is somewhat dependend on debt financing.
- ACIW has a Debt to Equity ratio of 0.56. This is in the lower half of the industry: ACIW underperforms 67.27% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.56 | ||
| Debt/FCF | 3.02 | ||
| Altman-Z | 3.46 |
ROIC/WACC1.09
WACC11.19%
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.
- Looking at the Current ratio, with a value of 1.58, ACIW is in line with its industry, outperforming 47.84% of the companies in the same industry.
- A Quick Ratio of 1.58 indicates that ACIW should not have too much problems paying its short term obligations.
- ACIW has a Quick ratio of 1.58. This is comparable to the rest of the industry: ACIW outperforms 48.56% of its industry peers.
| 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.
- The Revenue has been growing slightly by 4.85% on average over the past years.
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
- ACIW is expected to show quite a strong growth in Earnings Per Share. In the coming years, the EPS will grow by 14.85% yearly.
- Based on estimates for the next years, ACIW will show a small growth in Revenue. The Revenue will grow by 7.95% on average per year.
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.
- When comparing the Revenue growth rate of the last years to the growth rate of the upcoming years, we see that the growth is accelerating.
4. Valuation
4.1 Price/Earnings Ratio
- With a Price/Earnings ratio of 17.54, ACIW is valued on the expensive side.
- Based on the Price/Earnings ratio, ACIW is valued a bit cheaper than 76.62% of the companies in the same industry.
- When comparing the Price/Earnings ratio of ACIW to the average of the S&P500 Index (28.32), we can say ACIW is valued slightly cheaper.
- With a Price/Forward Earnings ratio of 16.73, ACIW is valued correctly.
- Compared to the rest of the industry, the Price/Forward Earnings ratio of ACIW indicates a somewhat cheap valuation: ACIW is cheaper than 76.62% of the companies listed in the same industry.
- The average S&P500 Price/Forward Earnings ratio is at 25.57. ACIW is valued slightly cheaper when compared to this.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 17.54 | ||
| Fwd PE | 16.73 |
4.2 Price Multiples
- Based on the Enterprise Value to EBITDA ratio, ACIW is valued cheaper than 84.89% of the companies in the same industry.
- ACIW's Price/Free Cash Flow ratio is rather cheap when compared to the industry. ACIW is cheaper than 83.09% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 15.59 | ||
| EV/EBITDA | 11.42 |
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)0.71
PEG (5Y)0.64
EPS Next 2Y16.39%
EPS Next 3Y14.85%
5. Dividend
5.1 Amount
- ACIW does not give a dividend.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 0% |
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 17.54 and the Price/Book (PB) ratio is 3.03.