ACI Worldwide, Inc. (ACIW) Stock

ACI Worldwide, Inc. (ACIW) is a Technology stock trading at $51.53 (as of 2026-08-20), with a market capitalization of $5.24B and a trailing P/E of 23.2. Figures are sourced from first-party U.S. SEC EDGAR filings and market data.

ACI Worldwide, Inc. develops, markets, and supports software for digital payments, serving banks, merchants, and billers. Its offerings include acquiring, issuing, and enterprise payment processing platforms, along with real-time payments, fraud management, and digital bill payment and communication capabilities.

Understand ACI Worldwide, Inc.: how it makes money

ACI Worldwide provides software that helps banks, merchants, and billers process and manage digital payments, and it earns revenue from payment software delivered as SaaS and platforms, along with license, maintenance, and services offerings.

The profit model is driven by recurring payment software economics, anchored by recurring revenue and supported by platform-like delivery (SaaS and platform revenue plus maintenance).

Revenue by segment (latest quarter)
Banks$0.2B
Billers$0.2B

Business quality (Mixed): Clear recurring and ARR-type operating metrics are provided, but the segment revenue candidates available here do not fully reconcile to total revenue when all customer segments are included, so segment-level granularity is somewhat limited.

Valuation: Trades at 23× trailing earnings · $5B market cap.

Bull case

  • Recurring payments software base: The company reports Recurring revenue of 0.3 USD_B, indicating a meaningful portion of revenue is tied to ongoing customer relationships and payment operations rather than one-time delivery.
  • Platform mix supports durability: Software as a service and platform as a service revenue is 0.25 USD_B, aligning with the company’s focus on payment processing and orchestration platforms for digital payments.

Bear case

  • Net growth depends on new contract momentum: New ARR from new contracts is 0.02 USD_B, so sustaining growth likely requires continued customer wins and expansions, which can be volatile in payments spending cycles.
  • Segment reconciliation is not clean with available inputs: The customer-segment revenue candidates provided here do not sum exactly to the reported total revenue when all are used together, which can make it harder to track performance drivers by segment from this dataset alone.
Valuation — source: SEC EDGAR (first-party)
Price$51.53
Market Cap$5.24B
P/E Ratio23.2
EV / EBITDA13.4
Price / Book3.50
Price / Sales2.88
FCF Yield5.9%
DCF Value (model)$25.64
DCF Upside vs Price-50.2%
Profitability & Growth — source: SEC EDGAR
Revenue (TTM)$1.76B
Net Margin12.9%
Revenue Growth (YoY)7.3%
EPS Growth (YoY)158.3%
FCF Growth (YoY)34.2%
Financial Health — source: SEC EDGAR
Altman Z-Score3.87 (safe)
Piotroski F-Score7/9 (strong)
Valuation vs Sector & Industry
Stock P/E23.2
Sector P/E (Technology)33.9
Industry P/E (Business Services)30.0
vs Sector-31.6%
vs Industry-22.5%
Smart-Money Activity — SEC Form 4 / 13F / Congressional disclosures
Top Institutional HolderBlackRock, Inc. ($697.91M)
Institutional Holders Tracked10
Congressional Trades (recent)4
Company
SectorTechnology
IndustryBusiness Services
CEOThomas Woodrow Warsop
Employees3,103
CountryUS
IPO Date1996-12-24

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ACIW earnings history · ACIW institutional & insider holders · ACIW KPIs & operating metrics · ACIW financials · ACIW investor presentations & press releases · ACIW SEC filings · ACIW peers · Congress trades · Insider trades · Short interest · Stock screener

Data as of 2026-08-20.

Figures sourced from U.S. Securities and Exchange Commission (SEC EDGAR) filings and market data. Not personalized investment advice.