ACIW ACI Worldwide, Inc. - Fundamental Analysis
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ACIW Stock | Fundamental Analysis & Investment Insights
NASDAQ
Technology
Software - Infrastructure
Current Price
Live
$39.56
Analyst Target
$63.2
+59.8%
Upside
52W High
$58.14
52W Low
$38.53
At a glance
Key valuation, profitability, growth, and risk metrics.
Updated Feb 14, 2026
Market cap
$4.08B
P/E
15.89
ROE
18.6%
Profit margin
15.1%
Debt/Equity
0.63
Dividend yield
N/A
AI Analysis
Powered by advanced machine learning algorithms
Confidence Score
78%
Analysis Accuracy
ACIW's Piotroski F-Score of 4/9 indicates a borderline stable financial health, lacking the robustness of a strong score, while the absence of an Altman Z-Score prevents definitive distress risk assessment. The stock trades at a current price of $39.56, significantly below its intrinsic value estimate of $70.84 and Graham Number of $28.33, suggesting potential undervaluation on a defensive basis. However, the lack of dividend, weak insider sentiment, and bearish technical trend temper upside conviction. Strong earnings surprise history and solid profitability metrics support growth credibility, but the 1-year price decline and recent insider selling introduce caution.
Key Strengths
Strong gross and operating margins (49.66% and 26.72%) indicate pricing power and operational efficiency
Consistent earnings beat rate (3 out of last 4 quarters) with average surprise of 30.13%
High historical EPS growth (12.4% YoY, 211.4% Q/Q) signals strong momentum
Attractive valuation relative to intrinsic value ($39.56 vs $70.84), suggesting upside potential
Solid ROE of 18.58% and stable debt/equity ratio of 0.63 reflect efficient capital use and manageable leverage
Key Risks
Piotroski F-Score of 4/9 suggests marginal financial health with room for improvement in profitability and cash flow trends
No dividend and zero payout ratio limit income appeal and signal reinvestment focus without shareholder return
Insider selling activity (1 transaction, $0.20M) with no buys indicates potential internal skepticism
Technical trend is bearish (0/100), reflecting recent downward price momentum despite long-term gains
Missing key financials (EV, FCF, cash/debt) limit full assessment of liquidity and capital structure
AI Fair Value Estimate
Based on comprehensive analysis
$70.84
+79.1% above current price
Performance Snowflake
Multi-dimensional analysis across 5 key categories
Overall
62
Strong
85
78
80
55
10
AI Verdict
neutral
Key drivers: Strong earnings growth and margin profile, Significant undervaluation relative to intrinsic value, Weak Piotroski F-Score and bearish technicals, Lack of dividend and limited insider buying
Confidence
78%
Value
85/100
Ref P/E, PEG, Graham Number
Positives
- Current price ($39.56) is well below intrinsic value ($70.84)
- Graham Number ($28.33) is substantially lower, indicating defensive margin of safety
- P/E of 15.89 is below sector average (80.43), suggesting relative value
Watchpoints
- Forward P/E of 11.72 is low but may reflect near-term expectations
- PEG ratio missing, limiting growth-adjusted valuation clarity
Future
78/100
Ref Growth rates
Positives
- 14.30% YoY earnings growth and 6.80% revenue growth indicate sustained expansion
- Recent Q/Q EPS growth of 211.4% signals strong momentum
- Strong earnings surprise history (avg +30.13%) supports confidence in guidance
Watchpoints
- No PEG ratio available to assess growth sustainability
- Forward P/E is low, which may reflect market skepticism on long-term growth
Past
80/100
Ref Historical trends
Positives
- 25 consecutive quarters of earnings reporting with 3 out of last 4 beats
- Historical EPS growth shows strong recovery from 2020 lows
- Consistent margin expansion and ROE above 18%
Watchpoints
- Several quarters with negative surprises (e.g., -90.9%, -252.0%) indicate volatility
- 2020 saw multiple negative surprises, highlighting cyclical or execution risks
Health
55/100
Ref Altman Z-Score, Piotroski F-Score
Positives
- Debt/Equity of 0.63 is manageable
- Current ratio of 1.58 and quick ratio of 0.90 indicate adequate short-term liquidity
- No Altman Z-Score available, but no signs of immediate distress
Watchpoints
- Piotroski F-Score of 4/9 is below threshold for strong financial health
- Missing cash and debt figures limit full health assessment
- Low F-Score suggests potential issues in cash flow or asset turnover
Dividend
10/100
Ref Yield, Payout
Positives
- 0% payout ratio indicates no pressure on cash flow
Watchpoints
- No dividend yield or payout history limits income appeal
- Zero dividend strength score (0/100) reflects no shareholder return
Stock Price & Analyst Targets
Real-time price movements and analyst price targets
Current Price
$39.56
Analyst Target
$63.2
Upside/Downside
+59.8%
Multi-Horizon Performance vs Peers
Price momentum across 5Y → 1W horizons for ACIW and closest competitors.
Updated 2026-02-13
| Company | 5Y | 3Y | 1Y | 6M | 1M | 1W |
|---|---|---|---|---|---|---|
|
ACIW
ACI Worldwide, Inc.
Primary
|
-4.3% | +47.5% | -24.7% | -15.0% | -13.0% | -6.4% |
|
AVT
Avnet, Inc.
Peer
|
+47.0% | +23.1% | -3.7% | -3.7% | +3.3% | +0.0% |
|
ACMR
ACM Research, Inc.
Peer
|
+39.0% | +366.8% | +179.5% | +159.2% | +28.4% | +3.8% |
|
BOX
Box, Inc.
Peer
|
+50.8% | -15.7% | -15.8% | -19.7% | -11.1% | +2.4% |
|
BDC
Belden Inc.
Peer
|
+142.3% | +46.6% | -4.7% | -10.3% | -2.7% | -0.7% |
Positive values indicate cumulative gains over the specified period. Comparables pulled from the same sector to highlight whether momentum is stock-specific or industry-wide.
Historical Performance Trends
Long-term financial metrics and growth patterns
Revenue & Net Income
Profit & Operating Margins
Return on Equity (ROE)
Quarterly Revenue Growth
Historical data shows last 12 quarters (3 years)
Valuation Metrics
Key valuation ratios and pricing indicators
P/E Ratio
15.89
Forward P/E
11.72
PEG Ratio
N/A
P/B Ratio
2.76
P/S Ratio
2.36
EV/Revenue
2.77
EV/EBITDA
12.48
Market Cap
$4.08B
Profitability
Profit margins and return metrics
Profit Margin
15.07%
Operating Margin
26.72%
Gross Margin
49.66%
ROE
18.58%
ROA
7.01%
Growth
Revenue and earnings growth rates
Revenue Growth
+6.8%
Earnings Growth
+14.3%
Q/Q Revenue Growth
N/A
Q/Q Earnings Growth
+12.1%
Financial Health
Balance sheet strength and liquidity metrics
Debt/Equity
0.63
Moderate
Current Ratio
1.58
Good
Quick Ratio
0.9
Poor
Cash/Share
$1.93
Quarterly Earnings History
EPS performance vs analyst estimates
2026-02-26
$N/A
2025-11-06
$1.09
+10.6% surprise
2025-08-07
$0.35
+31.6% surprise
2025-05-08
$0.51
+48.3% surprise
Technology Sector Comparison
Comparing ACIW against 149 companies in the Technology sector
(11 bullish, 68 neutral, 70 bearish)
P/E Ratio
15.89
This Stock
vs
80.48
Sector Avg
-80.3%
(Discount)
Return on Equity (ROE)
18.58%
This Stock
vs
-6.46%
Sector Avg
-387.5%
(Below Avg)
Profit Margin
15.07%
This Stock
vs
-9.27%
Sector Avg
-262.6%
(Weaker)
Debt to Equity
0.63
This Stock
vs
0.7
Sector Avg
-10.4%
(Lower)
Revenue Growth
6.8%
This Stock
vs
61.63%
Sector Avg
-89.0%
(Slower)
Current Ratio
1.58
This Stock
vs
3.39
Sector Avg
-53.5%
(Weaker)
Similar Companies
Peer comparison within the same industry
| Company | AI Rating | Market Cap | P/E | ROE | Profit Margin | Price | |
|---|---|---|---|---|---|---|---|
|
ACIW
ACI Worldwide, Inc.
|
NEUTRAL | $4.08B | 15.89 | 18.6% | 15.1% | $39.56 | |
|
AVT
Avnet, Inc.
|
NEUTRAL | $4.13B | 18.97 | 4.7% | 1.0% | $50.83 | |
|
ACMR
ACM Research, Inc.
|
BEARISH | $4.21B | 37.26 | 9.9% | 13.3% | $64.84 | |
|
BOX
Box, Inc.
|
BEARISH | $3.79B | 21.35 | 204.3% | 19.8% | $26.48 | |
|
BDC
Belden Inc.
|
NEUTRAL | $4.57B | 21.07 | 18.4% | 8.6% | $115.26 |
Recent Insider Trading
Insider buy and sell transactions from the last 6 months
| Date | Insider | Position | Transaction | Shares | Value |
|---|---|---|---|---|---|
| 2025-11-10 | KURUVILLA ABRAHAM | Chief Technology Officer | Sale | 4,210 | $200,786 |
| 2025-09-24 | LEIBROCK ROBERT WILLIAM | Chief Financial Officer | Stock Award | 164,498 | - |
| 2025-09-12 | SANCHEZ ADALIO T | Director | Gift | 23,236 | - |
Insider transactions can signal confidence or concerns about company prospects
Wall Street Analysts
Professional analyst ratings and price targets
Consensus
STRONG_BUY
5 analysts
Seaport Global
2026-01-14
Buy
Buy
DA Davidson
2025-10-16
Buy
Buy
Past News Coverage
Recent headlines mentioning ACIW from our newsroom.
Newest → oldest
No matching news yet.