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ACIW vs MSFT

ACIW
ACI Worldwide, Inc.
BEARISH
Price
$39.77
Market Cap
$4.1B
Sector
Technology
AI Confidence
85%
MSFT
Microsoft Corporation
BULLISH
Price
$370.17
Market Cap
$2.75T
Sector
Technology
AI Confidence
40%

Valuation

P/E Ratio
ACIW
18.41
MSFT
23.18
Forward P/E
ACIW
10.5
MSFT
19.64
P/B Ratio
ACIW
2.69
MSFT
7.04
P/S Ratio
ACIW
2.33
MSFT
9.01
EV/EBITDA
ACIW
12.65
MSFT
15.88

Profitability

Gross Margin
ACIW
48.99%
MSFT
68.59%
Operating Margin
ACIW
23.14%
MSFT
47.09%
Profit Margin
ACIW
12.88%
MSFT
39.04%
ROE
ACIW
15.4%
MSFT
34.39%
ROA
ACIW
6.91%
MSFT
14.86%

Growth

Revenue Growth
ACIW
6.3%
MSFT
16.7%
Earnings Growth
ACIW
-33.3%
MSFT
59.8%

Financial Health

Debt/Equity
ACIW
0.57
MSFT
0.32
Current Ratio
ACIW
1.54
MSFT
1.39
Quick Ratio
ACIW
0.91
MSFT
1.24

Dividends

Dividend Yield
ACIW
--
MSFT
1.01%
Payout Ratio
ACIW
0.0%
MSFT
21.28%

AI Verdict

ACIW BEARISH

ACIW's Piotroski F-Score of 4/9 indicates weak financial health, signaling deterioration in operational efficiency and profitability trends. The company trades at a premium to its Graham Number ($26.81) and intrinsic value ($15.12), suggesting overvaluation despite solid gross margins and ROE. Recent earnings have declined sharply year-over-year (-33.3%) and quarter-over-quarter (-34.7%), with a negative EPS trend and inconsistent beat rates. Insider selling activity, though limited, adds bearish sentiment. Despite strong analyst consensus (strong_buy), technical trends remain bearish and price has underperformed over the past year.

Strengths
Strong gross margin of 48.99% indicates pricing power and cost control
Healthy operating margin of 23.14% reflects efficient core operations
ROE of 15.40% demonstrates effective use of shareholder equity
Risks
Piotroski F-Score of 4/9 signals weak financial health and declining profitability trends
Sharp earnings decline of -33.3% YoY and -34.7% Q/Q raises sustainability concerns
Insider selling activity (1 transaction, $0.20M) indicates potential internal skepticism
MSFT BULLISH

MSFT shows bullish fundamentals based on deterministic rules. Financial strength is strong (F-Score 7/9). Key strengths include strong valuation and growth metrics.

Strengths
Strong profitability (39.0% margin)
Strong financial trend (Piotroski F-Score: 7/9)
Strong revenue growth of 16.7%
Risks
Premium vs Graham Number ($137.5)

Compare Another Pair

ACIW vs MSFT: Head-to-Head Comparison

This page compares ACI Worldwide, Inc. (ACIW) and Microsoft Corporation (MSFT) across key fundamental metrics including valuation ratios, profitability margins, growth rates, financial health indicators, and dividend metrics. Each metric highlights the better-performing stock so you can quickly identify relative strengths and weaknesses.

Our AI engine independently analyzes each company's financials, competitive position, and market conditions to produce a verdict (Bullish, Neutral, or Bearish) along with key strengths and risks. Use this comparison alongside your own research to make informed investment decisions.

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