ACIW
ACI Worldwide, Inc.
Technology · Software - Infrastructure · NMS
$42.80
Data: 2026-05-28
✓ ETHICAL PASS

Unknown MOAT
HIGH
Data Confidence: 100.0%
Key Metrics

How this company measures up on the fundamentals that matter

Market Cap
$4.3B
Total market value of the company
21.37
Premium valuation
11.04
Based on estimated future earnings — lower means cheaper
Rev Growth
+7.9%
Year-over-year revenue change
Profit Margin
11.5%
How much profit the company keeps from each dollar of revenue
13.8%
Return on equity — how efficiently it uses shareholder money
Analyst Target
$63.00
+47% from current price — median analyst estimate
Recommendation
STRONG_BUY
Consensus view from 4 analysts covering this stock
About ACI Worldwide, Inc.

ACI Worldwide, Inc. develops, markets, installs, and supports software products and services for facilitating electronic payments in the United States and worldwide. It operates through Payment Software, and Billers segments. The company offers ACI Acquiring, a solution to process credit, debit, and prepaid card transactions, deliver digital innovation, fraud prevention, and reduce fees; ACI Issuing, a digital payment issuing solution; and ACI Connetic, a solution that offers payment services for processing, routing, and managing various payment types. It provides ACI real-time payments, a solution that provides connectivity to payment rails; ACI RTGS and cross-border, a payments engine that offers multi-currency, payment and STP processing, and back-office integration interfaces; and ACI digital central infrastructure, a solution that offers real-time payments service. Further, it offers ACI Payments Orchestration Platform, a payments platform that orchestrates and optimizes payments; ACI Fraud Management for merchants, billers, and financial institutions; ACI Fraud Scoring Services with artificial and human insights with data intelligence; and Speedpay, an integrated suite of digital billing, payment, disbursement, and communication services. Additionally, it offers electronic bill presentment and payment services to consumer finance, insurance, healthcare, higher education, utility, government, subscription provider, telecommunications, and mortgage sectors; product installations and configurations, and custom software modifications; and business and technical consultancy, on-site support, product education, and testing services, as well distributes software developed by third parties. It markets its products and services 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 headquartered in Elkhorn, Nebraska.

https://www.aciworldwide.com

Country: United States Employees: 2,930 Industry: Software - Infrastructure
Ethical Screening

Five compliance checks based on AAOIFI standards — all must pass for ethical clearance

Business Activity
PASS
Core business does not involve prohibited activities
Debt Ratio
0.0% N/A
Debt must be below 33% of total assets
Cash Ratio
0.0% N/A
Interest-bearing cash below 33% of assets
Receivables
0.0% N/A
Receivables below 49% of assets
Revenue Purity
0.0% PASS
Non-compliant revenue below 5% — any excess requires purification
Quantitative Intelligence

Statistical analysis of price behaviour, risk, and market regime — independent of fundamental data

DISTRIBUTION
Smart money appears to be selling into strength — caution
0.464
Positive but modest risk-adjusted returns
0.0352
Modest edge detected — smaller position warranted
0.300
Drawdown risk outweighs the returns — higher risk profile
Annual Return
10.5%
Historical annualised return based on price data
-35.0%
Largest peak-to-trough decline — the worst it has been
SIDEWAYS
Price consolidating — no clear directional bias
Days in State
6
How long the current regime has persisted — longer means more stable
Market Data

Trading characteristics and market positioning

1.02
Moves slightly more than the broader market
52W High
$54.28
21% below the year high
52W Low
$38.05
12% above the year low
Avg Volume
750,078
Average daily shares traded — higher means easier to buy and sell
6.0
Days it would take all short sellers to cover — higher means more crowded
Short % Float
6.8%
Moderate short interest
N/A
Annual dividend as a percentage of the share price
$1.98
Earnings per share over the last 12 months
Financial Health

Balance sheet strength and cash generation — the foundation of long-term value

56.98
Heavy leverage — higher financial risk if revenues decline
1.53
Healthy liquidity position
Quick Ratio
0.84
Like current ratio but excludes inventory — stricter test
Gross Margin
49.0%
Revenue left after cost of goods — higher means pricing power
Operating Margin
14.8%
Profit from core operations before interest and tax
$262M
Positive — the business generates more cash than it spends
Revenue (TTM)
$1.8B
Total revenue over the last 12 months
Net Income
$206M
Profitable — the bottom line is positive
Analyst Coverage
Analysts
4
Target High
$70.00
Target Median
$63.00
Target Low
$60.00
Explore the Ethical Screener View Track Record

Data sourced from public filings and market feeds. Not financial advice. Updated: 2026-05-28

Discover More
Alpha Insights Market Intelligence Titan Watch Ethical Screener Insider Intelligence Track Record Ethical Finance Zakat Calculator Iran Oil Tracker Foundry (292 articles) Indicators Join Free →

Get our weekly market brief free.