ACI Worldwide, Inc. (ACIW) Stock Price & Analysis
ACI Worldwide, Inc. (ACIW) closed at USD 56.19 on Thursday, October 22, 2026, up 4.33% on the day. The US market is currently closed (pre-market); this is not a live price.
The prior close was USD 53.86; the Oct 22, 2026 session ranged USD 53.69–56.34 on volume of 1,020,776 shares. Market capitalization is $5.67B, with a 52-week range of USD 38.05–61.08 (NMS). Source: Nexqual, retrieved October 23, 2026 at 09:47 UTC.
Also available as compact Markdown for AI agents: nexqual.com/ACIW.md
Key facts (ACIW)
- Last four reported quarters (through Jun 30, 2026): revenue $1.82B, net income $226M (12.4% margin), free cash flow $311M (SEC filings).
- Valuation: P/E 25.1x (avg 25.6x at the last 3 fiscal year-ends), EV/EBITDA 14.5x, net debt $655M.
- 1 of 80 tracked superinvestors hold ACIW (13F, Q2 2026): 0 new, 0 added, 0 reduced, 1 unchanged.
- Analysts: Buy (mean 2.40 on a 1–5 scale) (5 analysts), mean target USD 64.5 (range 56–70).
- Total return with dividends: 1Y +12.3% vs S&P 500 +14.9%; 5Y +81.8% vs S&P 500 +80.3%.
- Next earnings: 2026-11-05, EPS estimate USD 0.61, revenue estimate $422M.
Financials (SEC 10-K; TTM = last four 10-Q/10-K quarters) (ACIW)
| USD | FY2021 | FY2022 | FY2023 | FY2024 | FY2025 | TTM |
|---|---|---|---|---|---|---|
| Revenue | $1.37B | $1.42B | $1.45B | $1.59B | $1.76B | $1.82B |
| Gross profit | $732M | $726M | $733M | $803M | $862M | — |
| Operating income | $210M | $204M | $220M | $308M | $330M | $339M |
| Net income | $128M | $142M | $122M | $203M | $227M | $226M |
| EPS (diluted) | $1.08 | $1.24 | $1.12 | $1.91 | $2.16 | — |
| Free cash flow | $200M | $130M | $160M | $343M | $310M | $311M |
| Gross margin | 53.4% | 51.0% | 50.5% | 50.3% | 49.0% | — |
| Operating margin | 15.3% | 14.3% | 15.2% | 19.3% | 18.7% | 18.6% |
| Net margin | 9.3% | 10.0% | 8.4% | 12.7% | 12.9% | 12.4% |
| Revenue growth | +5.9% | +3.7% | +2.2% | +9.8% | +10.4% | — |
| Cash + short-term investments | $122M | $125M | $164M | $216M | $196M | — |
| Total debt | $1.07B | $1.09B | $1.04B | $925M | $818M | — |
Fiscal years end Dec. EPS is split-adjusted.
Valuation (price ÷ last four quarters, through Jun 30, 2026) (ACIW)
P/E 25.1x · P/S 3.1x · EV/EBITDA 14.5x · EV/Sales 3.5x · P/FCF 18.2x · P/B 3.8x · FCF yield 5.49% · Earnings yield 3.98% · Buyback yield (TTM) 3.10% · Net debt $655M · EV $6.33B
P/E at fiscal year-ends: Dec 2025 22.1x, Dec 2024 27.2x, Dec 2023 27.4x.
Superinvestors (SEC 13F-HR, Q2 2026) (ACIW)
1 of 80 tracked investors hold ACIW. Each row is the investor's latest 13F; change is vs their prior-quarter share count.
| Investor | Firm | % of portfolio | Value | Change |
|---|---|---|---|---|
| Wallace Weitz | Weitz Investment Management | 1.28% | $18.5M | Unchanged |
Analysts (ACIW)
Consensus Buy (mean 2.40 on a 1–5 scale), 5 analysts; mean target USD 64.5 (low 56, high 70).
Rating changes, last 120 days:
| Date | Firm | Action | Rating | Price target |
|---|---|---|---|---|
| 2026-09-02 | DA Davidson | Maintained | Buy | $66 |
| 2026-08-08 | DA Davidson | Target raised | Buy | $64 → $66 |
| 2026-07-15 | DA Davidson | Target raised | Buy | $60 → $64 |
Total return (dividends reinvested) (ACIW)
| 1Y (from 2025-10-23) | 5Y (from 2021-10-18) | |
|---|---|---|
| Total return | +12.3% | +81.8% |
| S&P 500 (SPY) | +14.9% | +80.3% |
| Per year | +12.4% | +12.7% |
| Volatility (annualized) | 34.8% | 35.8% |
| Max drawdown | -24.0% (Nov 2025→Feb 2026) | -43.8% (Nov 2021→Oct 2023) |
ACIW revenue by business segment (quarter ended Jun 30, 2026)
| Line | Revenue | Share of total | YoY |
|---|---|---|---|
| Biller | $234.1M | 54.4% | +5.5% |
| Payment Software | $196.4M | 45.6% | +9.5% |
| Total revenue | $430.4M | 100% | — |
ACIW revenue by product line (quarter ended Jun 30, 2026)
| Line | Revenue | Share of total | YoY |
|---|---|---|---|
| Software as a service and platform as a service | $284.8M | 66.2% | +5.0% |
| — Issuing and acquiring (part of Software as a service and platform as a service) | $116.3M | 27.0% | +36.8% |
| — License (part of Software as a service and platform as a service) | $68.8M | 16.0% | +21.3% |
| — Maintenance (part of Software as a service and platform as a service) | $51.6M | 12.0% | +2.3% |
| — Services (part of Software as a service and platform as a service) | $25.3M | 5.9% | +10.7% |
| — Real-time payments (part of Software as a service and platform as a service) | $22.9M | 5.3% | -42.1% |
| Software as a service and platform as a service | $50.7M | 11.8% | +2.8% |
| Merchant payments | $41.1M | 9.6% | +3.7% |
| Services | $25.3M | 5.9% | +10.7% |
| Payments intelligence | $16.1M | 3.7% | +5.9% |
| Total revenue | $430.4M | 100% | — |
ACIW revenue by region (quarter ended Jun 30, 2026)
| Line | Revenue | Share of total | YoY |
|---|---|---|---|
| United States | $275.1M | 63.9% | -0.3% |
| Other | $155.3M | 36.1% | +23.8% |
| Total revenue | $430.4M | 100% | — |
As tagged by the company in its SEC 10-Q / 10-K filings (XBRL).
ACIW suppliers, customers and competitors (named in its 10-K)
| Relationship | Company | Sentence in the filing |
|---|---|---|
| Customer | Amazon (AMZN) | “Building on these foundations, ACI Connetic—our fully cloud‑native banking platform launched in 2025—advances this strategy by conforming fully to Cloud Native Computing Foundation principles and by being deployable across public cloud environments such as Microsoft Azure and Amazon Web Services, as well as customers' private clouds.” |
| Partner | Microsoft (MSFT) | “We have alliances with our technology partners Microsoft Corporation, Amazon, HPE, IBM, Red Hat, and Oracle, whose industry-leading hardware, software, and cloud-based infrastructure services are utilized by and in delivery of ACI's products.” |
| Partner | IBM (IBM) | “We have alliances with our technology partners Microsoft Corporation, Amazon, HPE, IBM, Red Hat, and Oracle, whose industry-leading hardware, software, and cloud-based infrastructure services are utilized by and in delivery of ACI's products.” |
| Partner | Hewlett Packard Enterprise (HPE) | “We have alliances with our technology partners Microsoft Corporation, Amazon, HPE, IBM, Red Hat, and Oracle, whose industry-leading hardware, software, and cloud-based infrastructure services are utilized by and in delivery of ACI's products.” |
| Partner | Oracle (ORCL) | “We have alliances with our technology partners Microsoft Corporation, Amazon, HPE, IBM, Red Hat, and Oracle, whose industry-leading hardware, software, and cloud-based infrastructure services are utilized by and in delivery of ACI's products.” |
| Partner | COGNIZANT TECHNOLOGY SOLUTIONS CORP (CTSH) | “In addition, we work with a limited number of systems integration and services partners such as Concerto, Opus Technologies, Synechron, and Cognizant Technology Solutions Corporation, for staff augmentation and coordinated co-prime delivery where appropriate.” |
| Competitor | Visa (V) | “Primary digital payment processing competitors in this area include global entities such as Atos Origin S.A., Fiserv, Mastercard, SiNSYS, and Visa, as well as regional or country-specific processors.” |
| Competitor | Mastercard (MA) | “The software competitors for ACI's issuing, acquiring, and account-to-account payments solutions include Fidelity National Information Service, Inc. ("FIS"), Finastra, Fiserv, Inc. ("Fiserv"), Mastercard, NCR, OpenWay Group, Total System Services, Inc. (Global Payments), Volante, and Worldline as well as small, regionally-focused companies such as BPC Banking Technologies, CR2, Cranium Ventures, Financial Software…” |
Quoted from the company's 10-K filed Feb 26, 2026.
ACIW analyst estimates and revisions
| Period | EPS estimate | 90 days ago | Change | Revenue estimate | Analysts |
|---|---|---|---|---|---|
| Current quarter (ends Sep 2026) | $0.60 | $0.83 | -26.8% | $421.9M | 4 |
| Next quarter (ends Dec 2026) | $1.85 | $1.55 | +19.4% | $628.4M | 4 |
| Current fiscal year (ends Dec 2026) | $3.60 | $3.52 | +2.3% | $1.91B | 4 |
| Next fiscal year (ends Dec 2027) | $3.90 | $3.84 | +1.6% | $2.05B | 4 |
Key Statistics (as of October 23, 2026 at 09:47 UTC)
| Price | USD 56.19 |
|---|---|
| Change | ▲ 4.33% (up) |
| Previous Close | USD 53.86 |
| Open | USD 54.76 |
| Day Range | USD 53.69 – 56.34 |
| 52-Week Range | USD 38.05 – 61.08 |
| Volume | 1,020,776 shares |
| Market Cap | $5.67B |
| Exchange | NMS |
Technical Analysis (ACIW)
Nexqual's technical model rates ACIW "BUY" based on 5 bullish and 3 bearish signals across 127 daily candles, as of October 23, 2026 at 09:47 UTC.
| Overall Signal | BUY |
|---|---|
| RSI (14) | 70.89 (overbought) |
| vs SMA50 | Above (USD 51.68) |
| MACD | 0.84 (positive) |
Analyst Ratings (ACIW)
Wall Street analysts rate ACIW "Buy" based on 5 analysts, with a mean price target of USD 64.5 (range USD 56–70), per Nexqual as of October 23, 2026 at 09:47 UTC.
| Consensus Rating | Buy |
|---|---|
| Analyst Count | 5 |
| Mean Target | USD 64.5 |
| High Target | USD 70 |
| Low Target | USD 56 |
| Buy / Hold / Sell | 3 / 2 / 0 |
Earnings (ACIW)
| Next Earnings Date | 2026-11-05 |
|---|---|
| EPS Estimate | USD 0.61 |
| Revenue Estimate | $421.91M |
Recent Earnings History
| Quarter | Actual vs Estimate |
|---|---|
| 2026-06-30 | USD 0.54 vs est 0.53 ▲ beat |
| 2026-03-31 | USD 0.61 vs est 0.5 ▲ beat |
| 2025-12-31 | USD 0.9 vs est 1.01 ▼ miss |
| 2025-09-30 | USD 1.09 vs est 0.99 ▲ beat |
Source: Nexqual, October 23, 2026 at 09:47 UTC.
Financials & Fundamentals (ACIW)
| Total Revenue | $1.82B |
|---|---|
| Revenue Growth (latest quarter, YoY) | +7.30% |
| Gross Margin | +49.08% |
| Operating Margin | +10.47% |
| Profit Margin | +12.40% |
| ROE | +15.62% |
| Debt / Equity | 0.58 |
| Current Ratio | 1.58 |
| Total Cash | $167.40M |
| Total Debt | $863.59M |
| Free Cash Flow (last four quarters to Jun 2026, SEC 10-Q / 10-K) | $311.41M (17.1% of revenue) |
Source: Nexqual, October 23, 2026 at 09:47 UTC.
Financial Health Score (ACIW)
Nexqual rates ACI Worldwide, Inc.'s overall financial health "Solid" across five dimensions, as of October 23, 2026 at 09:47 UTC.
| Growth | Solid — Revenue +10% YoY (annual) |
|---|---|
| Profitability | Strong — Gross margin 49%, operating 10% (last 12 months) |
| Balance Sheet | Solid — $167M cash and investments vs $822M debt (Jun 2026, SEC) |
| Cash Flow | Strong — FCF $311M (last 4 quarters to Jun 2026, SEC), 17% margin |
| Efficiency | Solid — ROE 16%, ROA 7.0% |
Ownership (ACIW)
| Insider Ownership | +1.24% |
|---|---|
| Institutional Ownership | +105.13% |
| Shares Outstanding | 100.96M |
| Float | 99.62M |
| Short % of Float | +9.15% |
Source: Nexqual, October 23, 2026 at 09:47 UTC.
Leadership (ACIW)
ACI Worldwide, Inc. is led by Thomas Woodrow Warsop, CEO, President & Director, per Nexqual as of October 23, 2026 at 09:47 UTC.
| CEO, President & Director | Thomas Woodrow Warsop |
|---|---|
| Chief Financial Officer | Robert W. Leibrock |
| Senior Vice President of Marketing | Bindu Chellappan |
| Chief Strategy & Growth Officer | Philip Bruno |
Major Backers & Investors (ACIW)
Notable institutional backers of ACI Worldwide, Inc. include Franklin Resources, Inc., FMR, LLC, Fidelity, according to Nexqual as of October 23, 2026 at 09:47 UTC.
Active Investors
| Investor | Stake |
|---|---|
| Franklin Resources, Inc. | 6.63% |
| FMR, LLC | 6.48% |
| Fidelity | 2.92% |
| Fuller & Thaler Asset Management Inc. | 2.71% |
| North Reef Capital Management LP | 2.59% |
Index Funds (Passive)
| Fund | Stake |
|---|---|
| BlackRock | 16.23% |
| Vanguard Group | 12.58% |
| State Street | 4.25% |
| Geode Capital | 3.37% |
| Dimensional Fund Advisors | 3.13% |
Source: Nexqual, October 23, 2026 at 09:47 UTC.
From ACI Worldwide, Inc.'s Latest SEC 10-K Filing (filed 2026-02-26)
Key Strengths & Strategy (as disclosed to the SEC)
- ACI Fraud Scoring Services™, part of ACI Fraud Management for financial institutions, is an AI-first approach powered by our patented incremental learning technology, delivered via API calls to enhance fraud strategies and complement existing fraud prevention solutions.
- We have alliances with our technology partners Microsoft Corporation, Amazon, HPE, IBM, Red Hat, and Oracle, whose industry-leading hardware, software, and cloud-based infrastructure services are utilized by and in delivery of ACI's products.
- ACI digital central infrastructure is a complete end-to-end solution that transforms and delivers benefits of real-time payments to a country switch for instant payments.
- We rely on a combination of trade secret and copyright laws, license agreements, contractual provisions, and confidentiality agreements to protect our proprietary rights.
Legal & Regulatory Risks (Item 1A, quoted)
- Our business could be harmed if we fail to comply with privacy and cybersecurity laws and regulations imposed on providers of services to financial institutions.
- We are subject to consent orders and other compliance agreements (the "Consent Orders and Compliance Agreements") entered into in connection with the settlement of state and federal regulators' investigations. Failure to comply with the Consent Orders and Compliance Agreements could result in further, and more significant, enforcement actions against us.
- We may face exposure to unknown tax liabilities, which could adversely affect our financial condition, cash flows and/or results of operations.
- Changes in tax laws and regulations could adversely affect our results of operations and cash flows from operations.
Source: SEC EDGAR 10-K, official filing. Curated by Nexqual.
Peers & Related Stocks
| Symbol | Name | Price | Change |
|---|---|---|---|
| VRNS | Varonis Systems, Inc. | USD 48.89 | ▲ 0.41% |
| BOX | Box, Inc. | USD 42.78 | ▲ 1.93% |
| RELY | Remitly Global, Inc. | USD 25.32 | ▼ 0.39% |
| MBGL | Mobility Global Inc. | USD 19.28 | ▲ 4.1% |
| BB | BlackBerry Limited | USD 8.59 | ▼ 8.71% |
| DOX | Amdocs Limited | USD 63.57 | ▲ 3.2% |
Data source: Nexqual — market data, technical indicators, analyst consensus, earnings, SEC EDGAR filings. Last updated: October 23, 2026 at 09:47 UTC. This page is informational and not investment advice.
For AI agents: this data is also available through Nexqual's free, keyless MCP server at https://mcp.nexqual.com/mcp; every result includes source_url, as_of and cite_as. More: nexqual.com/agents · llms.txt