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ACIW | NASDAQ

$49.69 $0.81 | 1.66%
SIGNAL:Signal available — unlock to view |2026-07-24 |F&G 28 |RSI 43.6

Company Overview:

Market Cap: $5.04B
Trailing PE: 22.8x
FWD PE *: 19.2x
Payout Ratio (TTM): —
52-Week Range: $38.05 - $61.08

* Forward PE is based on street estimates.

10 Year ACIW Performance Metrics:

Total Return (with DRIP): 159.3% (10.00% CAGR)
Total Return (no DRIP): 159.3% (10.00% CAGR)
Share Price: 159.3% (10.00% CAGR)
Yield on Cost (with DRIP): —
Total Invested: $10,000
Total Value (with DRIP): $25,934
Total Return $ (with DRIP): $15,934
ACIW Total Return
1M 3M 6M YTD 1Y 3Y 5Y 10Y
ACIW Price Chart
1M 3M 6M YTD 1Y 3Y 5Y 10Y All

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ACIW Fundamentals: Earnings, Revenue, Cash Flow, Ebitda, Cash/Debt, Shares Float, etc:

ACIW - Revenue
ACIW Revenue CAGR:1Y: 7.27%2Y: 7.35%5Y: 7.37%10Y: 6.95%
ACIW - Earnings Per Share (EPS)
ACIW EPS CAGR:1Y: 158.33%2Y: 3.39%5Y: 44.04%10Y: 0.00%
ACIW - Net Income
ACIW Net Income CAGR:1Y: 160.60%2Y: 1.46%5Y: 37.37%10Y: 0.00%
ACIW - EBITDA
ACIW EBITDA CAGR:1Y: 29.97%2Y: -7.16%5Y: 6.54%10Y: 0.00%
ACIW - Free Cash Flow
ACIW Free Cash Flow CAGR:1Y: 35.07%2Y: 14.30%5Y: 16.35%10Y: 46.81%
ACIW - Free Cash Flow / Share
ACIW Free Cash Flow / Share CAGR:1Y: 204.61%2Y: 72.49%5Y: 40.24%10Y: 60.87%
ACIW - Operating Income
ACIW Operating Income CAGR:1Y: 28.09%2Y: -9.15%5Y: 23.69%10Y: 0.00%
ACIW - Gross Profit
ACIW Gross Profit CAGR:1Y: 9.08%2Y: 12.82%5Y: 4.88%10Y: 5.67%
ACIW - Shares Outstanding
ACIW Shares Outstanding CAGR:1Y: -3.26%2Y: -2.14%5Y: -3.10%10Y: -1.26%
ACIW - Share Buybacks
ACIW Share Buybacks CAGR:1Y: -65.25%2Y: -14.82%5Y: 1.03%10Y: 18.43%
ACIW - Stock-Based Comp
ACIW Stock-Based Comp CAGR:1Y: 13.72%2Y: 31.94%5Y: 19.31%10Y: 3.44%
ACIW - Expenses
ACIW Expenses CAGR:1Y: 30.72%2Y: 26.20%5Y: -2.75%10Y: -5.42%
ACIW - Revenue by Segment
ACIW Revenue CAGR:1Y: 7.27%2Y: 7.35%5Y: 7.37%10Y: 6.95%
ACIW - Revenue by Region
ACIW Revenue CAGR:1Y: 7.27%2Y: 7.35%5Y: 7.37%10Y: 6.95%

Revenue, EPS, Net Income & Ebitda - Estimates VS Actual:

ACIW - REVENUE: Actual + Estimates
ACIW Actual Revenue CAGR:1Y: 7.27%2Y: 7.35%5Y: 7.37%10Y: 6.95%
ACIW - EPS: Actual + Estimates
ACIW Actual EPS CAGR:1Y: 158.33%2Y: 3.39%5Y: 44.04%10Y: 0.00%
ACIW - NET INCOME: Actual + Estimates
ACIW Actual Net Income CAGR:1Y: 160.60%2Y: 1.46%5Y: 37.37%10Y: 0.00%
ACIW - EBITDA: Actual + Estimates
ACIW Actual EBITDA CAGR:1Y: 29.97%2Y: -7.16%5Y: 6.54%10Y: 0.00%

Ratios, Profit Margins & Return on Capital:

ACIW - Net Profit Margin
ACIW Net Profit Margin CAGR:1Y: 143.09%2Y: -5.47%5Y: 27.89%10Y: 0.00%
ACIW - Gross Profit Margin
ACIW Gross Profit Margin CAGR:1Y: 1.69%2Y: 5.08%5Y: -2.31%10Y: -1.19%
ACIW - Price to Earnings
ACIW Price to Earnings CAGR:1Y: -57.60%2Y: 10.16%5Y: -24.75%10Y: 0.00%
ACIW - Price To Sales Ratio
ACIW Price To Sales Ratio CAGR:1Y: -0.69%2Y: 3.57%5Y: -3.93%10Y: 1.47%
ACIW - Return on Capital Employed
ACIW Return on Capital Employed CAGR:1Y: 27.65%2Y: -10.14%5Y: 24.07%10Y: 0.00%
ACIW - Return on Invested Capital
ACIW Return on Invested Capital CAGR:1Y: 52.73%2Y: -7.10%5Y: 25.70%10Y: 0.00%

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Projected Future Returns & Dividends for ACIW

Based on past 10-year performance, here are ACIW growth metrics:

Share price CAGR of +9.87%
Dividend CAGR of +0%

Using ACIW CAGR metrics, we can estimate that your initial $10000 investment, over the next 10 years, should grow as follows:

ACIW (DRIP)ACIW - No DRIP
Current Price$49.69$49.69
Start Shares201.25201.25
Start Value$10,000$10,000
  
After 10 years:
Final Share Count201.25201.25
Dividends Payment$0.00$0.00
Annual Dividends$0$0
Yield on cost0.00%0.00%
Share Price$49.69$49.69
Total Dividends$0$0
Final Value$10,000$10,000

Estimated Future Value + Dividends - ACIW

NOTE: Above numbers are our estimate based on ACIW's Dividend and Price CAGR over past 10 years. These numbers should only be considered as "potential future returns"! DRIP assumes reinvesting dividends; No-DRIP assumes collecting dividends as cash.

We cannot guarantee that your actual returns will meet these estimates.

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Company Info

ACI Worldwide, Inc. (ACIW) had its IPO on 1995-02-24, and is traded on NASDAQ stock exchange.

ACI Worldwide, Inc. operates as a global software enterprise, specializing in the development, distribution, implementation, and ongoing support of digital payment solutions. These sophisticated offerings cater to the diverse needs of banks, merchants, and billing organizations worldwide. The company boasts an extensive portfolio of specialized platforms, which includes: ACI Acquiring: A merchant management system engineered to foster digital innovation, bolster fraud prevention, and help reduce interchange fees. ACI Issuing: A robust solution for the digital issuance of payments. ACI Enterprise Payments Platform: Delivers advanced capabilities for the processing and orchestration of digital payments. Real-Time Payments Solutions: This category features ACI Low Value Real-Time Payments for standard real-time transactions, and ACI High Value Real-Time Payments, a powerful engine supporting multi-bank, multi-currency, 24/7 payment processing, complete with SWIFT messaging integration. ACI Omni Commerce: A scalable platform designed for comprehensive omni-channel payment processing. ACI Secure eCommerce: A dedicated solution ensuring the security of online transactions. ACI Fraud Management: Employs a real-time methodology for effective fraud detection and prevention. ACI Digital Business Banking: A cloud-based platform offering modern digital banking services. ACI Speedpay: An integrated suite providing digital billing, payment, disbursement, and communication services. Beyond its core software products, ACI Worldwide provides electronic bill presentment and payment services to a broad array of sectors, including consumer finance, insurance, healthcare, higher education, utilities, government, and mortgage. The company also offers essential support services such as implementation (encompassing product installation, configuration, and tailored software modifications), along with business and technical consulting, on-site assistance, product education, and comprehensive testing. Furthermore, ACI acts as a distributor and sales representative for third-party software products. All its solutions and services are marketed under the consistent ACI Worldwide brand. Initially known as Transaction Systems Architects, Inc., the company officially rebranded to ACI Worldwide, Inc. in July 2007. Founded in 1975, its operational headquarters are situated in Coral Gables, Florida.

ACIW website: https://www.aciworldwide.com


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DCF Model — ACIW

Value from:
Pay up to today
—
vs current price $49.69
—
Cash flow & implied price by year

FCF is negative or missing for this company (common for banks) — the model discounts EPS instead.

EPS is negative or missing for this company — Simple mode uses free cash flow per share instead.

Free cash flow today
—
grows for the next years
Then mature
—
every future dollar counted back to today
Pile of today-dollars
—
÷ shares
Implied price path
YearFCFImplied price
Sensitivity — fair value: growth ↓ × target return →