ACI WORLDWIDE, INC. (ACIW) Stock Analysis — April 2026 Rating, Price, and Forecast
Company Overview — What Does ACI WORLDWIDE, INC. Do?
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, 24x7 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. ACI WORLDWIDE, INC. (ACIW) is classified as a mid-cap stock in the Technology sector, specifically within the Computer Software industry. The company is led by CEO Thomas W. Warsop and employs approximately 3,350 people, headquartered in NAPLES, Nebraska. With a market capitalization of $4.2B, ACIW is one of the notable companies in the Technology sector.
ACI WORLDWIDE, INC. (ACIW) Stock Rating — Hold (April 2026)
As of April 2026, ACI WORLDWIDE, INC. receives a Hold rating with a composite score of 41.8/100 and 3 out of 5 stars from the Blank Capital Research quantitative model.ACIW ranks #1,838 out of 4,446 stocks in our coverage universe. Within the Technology sector, ACI WORLDWIDE, INC. ranks #202 of 584 stocks, placing it in the upper half of its Technology peers. The rating is generated by a multi-factor model that weighs quality (30%), momentum (25%), value (15%), investment (10%), stability (10%), and short interest (10%).
ACIW Stock Price and 52-Week Range
ACI WORLDWIDE, INC. (ACIW) currently trades at $39.89. The stock lost $0.86 (2.1%) in the most recent trading session. The 52-week high for ACIW is $57.49, which means the stock is currently trading -30.6% from its annual peak. The 52-week low is $38.05, putting the stock 4.8% above its annual trough. Recent trading volume was 447K shares, suggesting relatively thin trading activity.
Is ACIW Overvalued or Undervalued? — Valuation Analysis
ACI WORLDWIDE, INC. (ACIW) carries a value factor score of 66/100 in the Blank Capital model, indicating fair valuation relative to historical norms. The trailing price-to-earnings ratio is 17.02x, compared to the Technology sector average of 45.27x — a discount of 62%. The price-to-book ratio stands at 2.73x, versus the sector average of 3.16x. The price-to-sales ratio is 2.40x, compared to 1.06x for the average Technology stock. On an enterprise value basis, ACIW trades at 11.10x EV/EBITDA, versus 12.79x for the sector.
Overall, ACIW's valuation appears roughly in line with sector benchmarks, suggesting the market is pricing the stock fairly given its current fundamentals and growth trajectory. Neither deep value nor significantly overpriced, the stock occupies a middle ground on valuation.
ACI WORLDWIDE, INC. Profitability — ROE, Margins, and Quality Score
ACI WORLDWIDE, INC. (ACIW) earns a quality factor score of 50/100, indicating solid business quality with consistent operational execution. The return on equity (ROE) is 16.1%, compared to the Technology sector average of -1.4%, which is within a healthy range. Return on assets (ROA) comes in at 7.8% versus the sector average of -1.0%.
On a margin basis, ACI WORLDWIDE, INC. reports gross margins of 49.4%, compared to 50.9% for the sector. The operating margin is 19.3% (sector: -0.5%). Net profit margin stands at 13.7%, versus -1.5% for the average Technology stock. Revenue growth is running at 29.1% on a trailing basis, compared to 14.2% for the sector. The overall profitability profile is adequate, though there may be room for margin expansion.
ACIW Debt, Balance Sheet, and Financial Health
ACI WORLDWIDE, INC. has a debt-to-equity ratio of 54.0%, compared to the Technology sector average of 43.0%. Leverage is within a manageable range for the industry, though investors should monitor debt trends over time. The current ratio is 1.54x, suggesting adequate working capital coverage. Total debt on the balance sheet is $818M. Cash and equivalents stand at $199M.
ACIW has a beta of 1.06, meaning it is roughly in line with the broader market in terms of price volatility. The stability factor score for ACI WORLDWIDE, INC. is 65/100, reflecting average volatility within the normal range for its sector.
ACI WORLDWIDE, INC. Revenue and Earnings History — Quarterly Trend
In TTM 2026, ACI WORLDWIDE, INC. reported revenue of $1.73B and earnings per share (EPS) of $2.18. Net income for the quarter was $244M. Gross margin was 49.4%. Operating income came in at $344M.
In FY 2025, ACI WORLDWIDE, INC. reported revenue of $1.76B and earnings per share (EPS) of $2.18. Net income for the quarter was $227M. Gross margin was 49.0%. Revenue grew 10.4% year-over-year compared to FY 2024. Operating income came in at $330M.
In Q3 2025, ACI WORLDWIDE, INC. reported revenue of $482M and earnings per share (EPS) of $0.88. Net income for the quarter was $91M. Gross margin was 53.7%. Revenue grew 6.8% year-over-year compared to Q3 2024. Operating income came in at $128M.
In Q2 2025, ACI WORLDWIDE, INC. reported revenue of $401M and earnings per share (EPS) of $0.12. Net income for the quarter was $12M. Gross margin was 41.5%. Revenue grew 7.4% year-over-year compared to Q2 2024. Operating income came in at $35M.
Over the past 8 quarters, ACI WORLDWIDE, INC. has demonstrated a growth trajectory, with revenue expanding from $373M to $1.73B. Investors analyzing ACIW stock should weigh these quarterly trends alongside the valuation and quality metrics discussed above.
ACIW Dividend Yield and Income Analysis
ACI WORLDWIDE, INC. (ACIW) does not currently pay a dividend. This is common among smaller companies in the Computer Software industry that prefer to reinvest cash flows into business expansion rather than returning capital to shareholders. Income-focused investors looking for Technology dividend stocks may want to explore other Technology stocks or use the stock screener to filter by dividend yield.
ACIW Momentum and Technical Analysis Profile
ACI WORLDWIDE, INC. (ACIW) has a momentum factor score of 26/100, signaling weak relative price performance. Stocks with low momentum scores have historically tended to continue underperforming in the near term. The investment factor score is 24/100, which measures capital allocation efficiency and asset growth patterns. The short interest score of 13/100 signals elevated short interest, which can indicate bearish sentiment among institutional investors.
ACIW vs Competitors — Technology Sector Ranking and Peer Comparison
Within the Technology sector, ACI WORLDWIDE, INC. (ACIW) ranks #202 out of 584 stocks based on the Blank Capital composite score. This places ACIW in the upper half of all Technology stocks in our coverage universe. Key competitors and sector peers include IHS Holding Ltd (IHS) with a score of 55.0/100, VERISIGN INC/CA (VRSN) with a score of 56.0/100, ESCO TECHNOLOGIES INC (ESE) with a score of 51.7/100, CareCloud, Inc. (CCLD) with a score of 46.9/100, and MMTec, Inc. (MTC) with a score of 47.4/100.
Comparing ACIW against the S&P 500 benchmark is also instructive for understanding relative performance. Investors can view the full ACIW vs S&P 500 (SPY) comparison to assess how ACI WORLDWIDE, INC. stacks up against the broader market across all factor dimensions.
ACIW Next Earnings Date
No upcoming earnings date has been announced for ACI WORLDWIDE, INC. (ACIW) at this time. Check the earnings calendar for the latest scheduling updates across all stocks in our coverage universe.
Should You Buy ACIW? — Investment Thesis Summary
ACI WORLDWIDE, INC. presents a balanced picture with arguments on both sides. The value score of 66/100 suggests attractive pricing relative to fundamentals. Momentum is weak at 26/100, a headwind for near-term performance. Low volatility (stability score 65/100) reduces downside risk.
In summary, ACI WORLDWIDE, INC. (ACIW) earns a Hold rating with a composite score of 41.8/100 as of April 2026. The rating is derived from the Blank Capital Research methodology, which combines six factor dimensions into a single quantitative ranking. Investors should consider these quantitative signals alongside their own fundamental research, risk tolerance, and investment time horizon before making buy or sell decisions on ACIW stock.
Related Resources for ACIW Investors
Explore more research and tools: ACIW vs S&P 500 comparison, top Technology stocks, stock screener, our methodology, quality factor explained, value factor explained, momentum factor explained. Compare ACIW head-to-head with peers: ACIW vs IHS, ACIW vs VRSN, ACIW vs ESE.