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ACIW
ACI Worldwide, Inc.
$41.33
0.37
(0.9%)
[ms_data_label text=’Delayed data’]
| Exchange: | NASDAQ |
| Market Cap: | 4.261B |
| Shares Outstanding: | 67M |
About The Company
| Sector: | Technology | |||||
| Industry: | Software – Infrastructure | |||||
| CEO: | Thomas Woodrow Warsop | |||||
| Full Time Employees: | 3103 | |||||
| Address: |
| |||||
| Website: | https://www.aciworldwide.com |
ACI Worldwide, Inc., a software company, develops, markets, installs, and supports a range of software products and solutions for facilitating digital payments to banks, merchants, and billers worldwide. The company offers ACI Acquiring, a merchant management system to deliver digital innovation, improve fraud prevention, and reduce interchange fees; ACI Issuing, a digital payments issuing solution; and ACI Enterprise Payments Platform that provides payment processing and orchestration capabilities for digital payments. It also provides ACI Low Value Real-Time Payments, a platform for processing real-time payments; and ACI High Value Real-Time Payments, a payments engine that offers multi-bank, multi-currency, 24×7 payment processing, and SWIFT messaging. In addition, the company offers ACI Omni Commerce, a scalable, omni-channel payment processing platform; ACI Secure eCommerce solution; ACI Fraud Management, a real-time approach to fraud management; ACI Digital Business Banking, a cloud-based digital banking platform; and ACI Speedpay, an integrated suite of digital billing, payment, disbursement, and communication services. The company offers electronic bill presentment and payment services to consumer finance, insurance, healthcare, higher education, utility, government, and mortgage sectors; implementation services, including product installations and configurations, and custom software modifications; and business and technical consultancy, on-site support, product education, and testing services, as well as distributes or acts as a sales agent for software developed by third parties. It markets its products under the ACI Worldwide brand. The company was formerly known as Transaction Systems Architects, Inc. and changed its name to ACI Worldwide, Inc. in July 2007. The company was founded in 1975 and is based in Coral Gables, Florida.
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Revenue Segmentation
EPS
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Earnings Call
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Key takeaways
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Login — it's freeIncome Statement
| Year | 2023 | 2024 | 2025 |
|---|---|---|---|
| Revenue | 1,452,579 | 1,594,288 | 1,759,782 |
| Gross Profit | 733,368 | 802,505 | 862,131 |
| EBITDA | 360,106 | 443,548 | 461,413 |
| Operating Income | 220,408 | 308,135 | 329,914 |
| Net Income | 121,509 | 203,118 | 226,658 |
(* All numbers are in thousands)
Balance Sheet
| Year | 2023 | 2024 | 2025 |
|---|---|---|---|
| Total Assets | 3,444,739 | 3,025,293 | 3,104,907 |
| Total Liabilities | 2,120,442 | 1,600,966 | 1,585,829 |
| Total Stockholders Equity | 1,324,297 | 1,424,327 | 1,519,078 |
| Total Debt | 1,076,426 | 956,434 | 840,217 |
| Cash and Cash Equivalents | 164,239 | 216,394 | 196,462 |
(* All numbers are in thousands)
Cash Flow Statement
| Year | 2023 | 2024 | 2025 |
|---|---|---|---|
| Operating Cash Flow | 168,517 | 358,748 | 322,831 |
| Capital Expenditure | -37,777 | -15,402 | -12,907 |
| Free Cash Flow | 130,740 | 343,346 | 309,924 |
| Net Income | 121,509 | 203,118 | 226,658 |
| Net Change in Cash | 24,149 | 26,197 | -6,022 |
(* All numbers are in thousands)
Analyst Estimates
| Fiscal Year | 2027 | Full Access | Full Access | Full Access | Full Access |
|---|---|---|---|---|---|
| Estimated Revenue (Low) | 2,024,955.351 | Full Access | Full Access | Full Access | Full Access |
| Estimated Revenue (High) | 2,037,878.782 | Full Access | Full Access | Full Access | Full Access |
| Estimated Revenue (Avg) | 2,031,727.400 | Full Access | Full Access | Full Access | Full Access |
| Estimated Ebitda (Low) | 540,242.407 | Full Access | Full Access | Full Access | Full Access |
| Estimated Ebitda (High) | 543,690.278 | Full Access | Full Access | Full Access | Full Access |
| Estimated Ebitda (Avg) | 542,049.137 | Full Access | Full Access | Full Access | Full Access |
| Estimated Net Income (Low) | 297,191.349 | Full Access | Full Access | Full Access | Full Access |
| Estimated Net Income (High) | 299,659.506 | Full Access | Full Access | Full Access | Full Access |
| Estimated Net Income (Avg) | 298,425.428 | Full Access | Full Access | Full Access | Full Access |
| Estimated SGA Expense (Low) | 336,310.903 | Full Access | Full Access | Full Access | Full Access |
| Estimated SGA Expense (High) | 338,457.267 | Full Access | Full Access | Full Access | Full Access |
| Estimated SGA Expense (Avg) | 337,435.626 | Full Access | Full Access | Full Access | Full Access |
| Estimated EPS (Avg) | 2.850 | Full Access | Full Access | Full Access | Full Access |
| Estimated EPS (High) | 2.860 | Full Access | Full Access | Full Access | Full Access |
| Estimated EPS (Low) | 2.840 | Full Access | Full Access | Full Access | Full Access |
| Number of Analysts (Estimated Revenue) | 3 | Full Access | Full Access | Full Access | Full Access |
| Number of Analysts (Estimated EPS) | 3 | Full Access | Full Access | Full Access | Full Access |
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Current Key Metrics
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Login — it's freeSWOT Analysis
Strengths (preview)
- Robust Revenue Performance: ACI Worldwide (ACIW) has demonstrated consistent revenue growth as per the latest income statements, reflecting strong demand for its payment solutions. This aligns with positive industry trends in the financial technology sector, as indicated by sector performance metrics.
- Healthy Cash Flow Generation: The cash flow statements highlight strong net cash provided by operating activities and positive free cash flow, indicating operational efficiency and financial stability to fund innovation or reduce debt.
- Market Position and Scale: With a significant market capitalization and a well-established presence in the software and payments industry, ACIW benefits from economies of scale and brand recognition, as supported by company profile data.
- Strategic Focus on Innovation: Insights from earnings call transcripts suggest a commitment to technological advancements, positioning ACIW to maintain a competitive edge in a rapidly evolving sector.
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At what price to buy it? -
Intrinsic Value Calculator
Based on current fundamentals and analyst forecasts, MARKETSnap estimates ACIW intrinsic value between $47.44 – $54.29 per share. This depends on revenue growth, margins, and discount rate.
This is an automatic estimate. The most reliable way to know fair value for your own assumptions is to run the calculator below.
Common questions about ACIW valuation
Is ACI Worldwide, Inc. (ACIW) overvalued or undervalued right now?
MARKETSnap estimates intrinsic value for ACI Worldwide, Inc. (ACIW) using its proprietary valuation methodology, which incorporates discounted cash flow (DCF) analysis together with long-term earnings and fundamentals assumptions. By comparing intrinsic value to the current market price, long-term investors can see whether the stock screens as potentially overvalued, fairly valued, or undervalued today.
Is ACIW a buy, hold, or sell for long-term investors?
MARKETSnap does not give one-word “buy” or “sell” calls. Instead, it shows whether ACIW trades at a premium or discount to its estimated intrinsic value, how sensitive that value is to growth and margin assumptions, and how the stock fits into a diversified, long-term portfolio so investors can make their own buy, hold, or sell decision.
What is ACIW’s P/E ratio?
You can see ACIW’s trailing P/E (TTM) and forward P/E estimates in the Current Key Metrics and Forward P/E Ratios sections above. The P/E ratio compares the current share price to earnings per share and helps investors gauge valuation relative to earnings.
How is intrinsic value calculated for ACIW?
MARKETSnap uses its own valuation framework—not a generic spreadsheet DCF alone. Future cash flows and earnings are projected, discounted, and combined with MARKETSnap’s methodology so intrinsic value reflects fundamentals and long-term assumptions. You can run your own inputs and see the result using the Intrinsic Value Calculator above.
Is ACIW a good long-term investment?
Whether ACIW fits a long-term portfolio depends on your assumptions about growth, margins, and risk. MARKETSnap provides the metrics, intrinsic value calculator, and SWOT context so you can form your own view rather than rely on a single buy/sell rating.
ACIW
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0.9
Trading Metrics:
| Open: | [ms_cell_or_dash table='trading_quote' column='open'] | Previous Close: | [ms_cell_or_dash table='trading_quote' column='previousClose'] | |
| Day Low: | [ms_cell_or_dash table='trading_quote' column='dayLow'] | Day High: | [ms_cell_or_dash table='trading_quote' column='dayHigh'] | |
| Year Low: | 38.05 | Year High: | 55.45 | |
| Price Avg 50: | 41.15 | Price Avg 200: | 45.91 | |
| Volume: | Average Volume: |
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