ACI Worldwide (ACIW) Stock Price, News & Analysis

Company Overview

ACI Worldwide, Inc. (NASDAQ: ACIW) is a global software company specializing in real-time electronic payment and banking solutions. Its flagship Universal Payments (UP) platform enables banks, financial institutions, merchants and billers to process credit, debit and alternative payments across channels including ATM, point-of-sale, mobile and online. The platform also supports fraud management, digital banking engagement and instant payment schemes, helping clients accelerate transaction velocity, enhance security and improve customer experiences.

Founded in 1975 and headquartered in Naples, Florida, ACI Worldwide has expanded its reach through a series of strategic acquisitions and partnerships. The company’s growth roadmap includes the integration of S1 Corporation’s digital banking assets in 2011, the addition of Speedpay’s online and mobile bill-payment network, and the acquisition of electronic bill-payments specialist Official Payments in 2018. Today, ACI serves customers in more than 80 countries, operating R&D centers in the United States, Europe and Asia and maintaining regional offices to support global markets.

Under the leadership of CEO Odilon Almeida, ACI has embraced a cloud-native, software-as-a-service (SaaS) model to drive innovation and scalability. The management team emphasizes open APIs, microservices architecture and partnerships with cloud providers to accelerate product delivery and reduce total cost of ownership. With a focus on real-time payments and digital commerce, ACI continues to invest in machine learning, tokenization and mobile capabilities to help clients navigate evolving regulatory frameworks and shifting consumer preferences.

Key Stats

• Today's Range: $45.54 to $46.61
• 50-Day Range: $44.59 to $54.88
• 52-Week Range: $38.59 to $59.71
• Volume: 826,290 shs
• Average Volume: 728,374 shs
• Market Capitalization: $4.82 billion
• P/E Ratio: 18.08
• Dividend Yield: N/A
• Price Target: $60.00
• Consensus Rating: Moderate Buy

ACI Worldwide Stock Analysis - MarketRank™

ACI Worldwide scored higher than 84% of companies evaluated by MarketBeat, and ranked 145th out of 655 stocks in the computer and technology sector. Scores are calculated by averaging available category scores, with extra weight given to analysis and valuation.

Analyst's Opinion

• Score: 3.3 / 5
• Analyst Rating: Moderate Buy

Consensus Rating

ACI Worldwide has received a consensus rating of Moderate Buy. The company's average rating score is 2.60, and is based on 3 buy ratings, 2 hold ratings, and no sell ratings.

Amount of Analyst Coverage

ACI Worldwide has only been the subject of 2 research reports in the past 90 days.

Earnings and Valuation

• Score: 2.5 / 5
• Proj. Earnings Growth: 10.00%

Earnings Growth

Earnings for ACI Worldwide are expected to grow by 10.00% in the coming year, from $2.00 to $2.20 per share.

Price to Earnings Ratio vs. the Market

The P/E ratio of ACI Worldwide is 18.08, which means that it is trading at a less expensive P/E ratio than the market average P/E ratio of about 26.00.

Price to Earnings Ratio vs. Sector

The P/E ratio of ACI Worldwide is 18.08, which means that it is trading at a less expensive P/E ratio than the Computer and Technology sector average P/E ratio of about 37.18.

Price to Book Value per Share Ratio

ACI Worldwide has a P/B Ratio of 3.38. P/B Ratios above 3 indicate that a company could be overvalued with respect to its assets and liabilities.

Short Interest

• Score: 4.0 / 5
• Short Interest Level: Healthy

Percentage of Shares Shorted

2.38% of the float of ACI Worldwide has been sold short.

Short Interest Ratio / Days to Cover

ACI Worldwide has a short interest ratio ("days to cover") of 3.1, which is generally considered an acceptable ratio of short interest to trading volume.

Change versus previous month

Short interest in ACI Worldwide has recently decreased by 3.53%, indicating that investor sentiment is improving.

Dividend

• Score: 0.0 / 5
• Dividend Strength: N/A

Dividend Yield

ACI Worldwide does not currently pay a dividend.

Dividend Growth

ACI Worldwide does not have a long track record of dividend growth.

Sustainability and ESG

• Score: N/A
• Environmental Score: N/A

Percentage of Shares Shorted

2.38% of the float of ACI Worldwide has been sold short.

Short Interest Ratio / Days to Cover

ACI Worldwide has a short interest ratio ("days to cover") of 3.1, which is generally considered an acceptable ratio of short interest to trading volume.

Change versus previous month

Short interest in ACI Worldwide has recently decreased by 3.53%, indicating that investor sentiment is improving.

News and Social Media

• Score: 2.9 / 5
• News Sentiment: 1.21

News Sentiment

ACI Worldwide has a news sentiment score of 1.21. This score is calculated as an average of sentiment of articles about the company over the last seven days and ranges from 2 (good news) to -2 (bad news). This is a higher news sentiment than the 0.65 average news sentiment score of Computer and Technology companies.

News Coverage This Week

MarketBeat has tracked 6 news articles for ACI Worldwide this week, compared to 8 articles on an average week.

Search Interest

Only 1 people have searched for ACIW on MarketBeat in the last 30 days. This is a decrease of -50% compared to the previous 30 days.

MarketBeat Follows

1 people have added ACI Worldwide to their MarketBeat watchlist in the last 30 days.

Company Ownership

• Score: 3.3 / 5
• Insider Trading: Selling Shares

Insider Buying vs. Insider Selling

In the past three months, ACI Worldwide insiders have sold 123.41% more of their company's stock than they have bought. Specifically, they have bought $242,850.00 in company stock and sold $542,541.00 in company stock.

Percentage Held by Insiders

Only 1.10% of the stock of ACI Worldwide is held by insiders.

Percentage Held by Institutions

94.74% of the stock of ACI Worldwide is held by institutions. High institutional ownership can be a signal of strong market trust in this company.

ACIW Stock Analysis - Frequently Asked Questions

How have ACIW shares performed this year?

ACI Worldwide's stock was trading at $51.91 at the beginning of the year. Since then, ACIW shares have decreased by 11.5% and is now trading at $45.93.

How were ACI Worldwide's earnings last quarter?

ACI Worldwide, Inc. (NASDAQ:ACIW) released its earnings results on Thursday, May, 8th. The technology company reported $0.51 EPS for the quarter, topping the consensus estimate of $0.33 by $0.18. ACI Worldwide's quarterly revenue was up 24.9% compared to the same quarter last year.
Read the conference call transcript.

When did ACI Worldwide's stock split?

ACI Worldwide shares split before market open on Friday, July 11th 2014.The 3-1 split was announced on Thursday, April 10th 2014. The newly created shares were issued to shareholders after the market closes on Thursday, July 10th 2014. An investor that had 100 shares of stock prior to the split would have 300 shares after the split.

Is ACI Worldwide buying back stock?

ACI Worldwide's board approved a stock buyback program on Thursday, June 13th 2024, which allows the company to repurchase $400,000,000 in shares, according to EventVestor. This means that the company could purchase up to 8% of its stock through open market purchases. Stock buyback programs are often an indication that the company's board of directors believes its stock is undervalued.

Does ACI Worldwide have any subsidiaries?

The following companies are subsidiaries of ACI Worldwide: Speedpay, Walletron, RevChip, TransSend, Visual WEB Solutions, PAY.ON AG, Retail Decisions, and more.

Who are ACI Worldwide's major shareholders?

ACI Worldwide's top institutional investors include Kopion Asset Management LLC (0.08%), NBC Securities Inc. (0.02%) and Gallacher Capital Management LLC (0.01%). Insiders that own company stock include Scott W Behrens, Thomas W Warsop III, Abraham Kuruvilla, Charles E Peters Jr, Janet O Estep, James C Hale III, Alessandro Silva, Deborah L Guerra, Adalio T Sanchez, Mary P Harman and Ram Kumar Puppala.
View institutional ownership trends.

How do I buy shares of ACI Worldwide?

Shares of ACIW stock can be purchased through any online brokerage account. Popular online brokerages with access to the U.S. stock market include Charles Schwab, E*TRADE, Fidelity, and Vanguard Brokerage Services.

What other stocks do shareholders of ACI Worldwide own?

Based on aggregate information from My MarketBeat watchlists, some other companies that ACI Worldwide investors own include American Water Works (AWK), Waste Connections (WCN), Humana (HUM), The RMR Group (RMR), DiamondRock Hospitality (DRH), AU Optronics (AUOTY) and Voyager Therapeutics (VYGR).

Company Calendar

• Last Earnings: 5/08/2025
• Today: 7/08/2025
• Next Earnings (Estimated): 7/30/2025
• Fiscal Year End: 12/31/2025

Industry, Sector and Symbol

• Stock Exchange: NASDAQ
• Sector: Computer and Technology
• Industry: COMP - SOFTWARE
• Sub-Industry: Application Software
• Current Symbol: NASDAQ:ACIW
• CIK: 935036
• Web: www.aciworldwide.com
• Phone: (305) 894-2200
• Fax: 212-470-4000
• Employees: 3,103
• Year Founded: 1975

Price Target and Rating

• Average Price Target for ACI Worldwide: $60.00
• High Price Target: $60.00
• Low Price Target: $60.00
• Potential Upside/Downside: +30.6%
• Consensus Rating: Moderate Buy
• Rating Score (0-4): 2.60
• Research Coverage: 5 Analysts

Profitability

• EPS (Trailing Twelve Months): $2.54
• Trailing P/E Ratio: 18.08
• Forward P/E Ratio: 22.97
• P/E Growth: N/A
• Net Income: $203.12 million
• Net Margins: 16.12%
• Pretax Margin: 19.70%
• Return on Equity: 20.94%
• Return on Assets: 9.03%

Debt

• Debt-to-Equity Ratio: 0.55
• Current Ratio: 1.50
• Quick Ratio: 1.50

Sales & Book Value

• Annual Sales: $1.59 billion
• Price / Sales: 3.02
• Cash Flow: $3.52 per share
• Price / Cash Flow: 13.06
• Book Value: $13.58 per share
• Price / Book: 3.38

Miscellaneous

• Outstanding Shares: 104,900,000
• Free Float: 103,746,000
• Market Cap: $4.82 billion
• Optionable: Optionable
• Beta: 1.06