Is ACI Worldwide (ACIW) overvalued or fairly valued?

MarketChacha shows ACI Worldwide's valuation in context — a trailing P/E of about 28.3, a forward P/E of about 14.2, a price-to-book of about 3.7 — alongside its revenue and profit growth and whether reported profit converts into operating cash, so you can judge value for yourself. MarketChacha does not issue ratings, price targets, or buy/sell advice.

Does ACI Worldwide's reported profit turn into cash?

Over 3 years, operating cash flow fully covered reported profit — earnings are backed by real cash. MarketChacha computes this cash-conversion check (1.54×) from reported figures — education, not a rating.

What is ACI Worldwide's revenue?

ACI Worldwide reported revenue of $1.8B for FY2025, with net profit of $226.7M, per official filings.

What is the share price of ACI Worldwide (ACIW)?

ACI Worldwide last traded at $54.37 (-4.1% on the day), as of 7/22/2026 — a delayed quote shown for education, not investment advice.

ACI Worldwide

ACIW · NYSE · Technology · United States

$54.37-4.1%

Delayed · as reported by Yahoo Finance · as of Jul 22, 2026, 7:32 PM

Snapshot

TickerACIW

ExchangeNYSE

SectorTechnology

IndustrySoftware - Infrastructure

CountryUnited States

Employees2,930

HeadquartersElkhorn, United States

Market cap$5.5B

P/E (TTM)28.3

P/B3.7

Volume694.33K

Websitewww.aciworldwide.com

Filings tracked3

About ACI Worldwide

ACI Worldwide, Inc. develops, markets, installs, and supports software products and services for facilitating electronic payments in the United States and worldwide. It operates through Payment Software, and Billers segments. The company offers ACI Acquiring, a solution to process credit, debit, and prepaid card transactions, deliver digital innovation, fraud prevention, and reduce fees; ACI Issuing, a digital payment issuing solution; and ACI Connetic, a solution that offers payment services for processing, routing, and managing various payment types. It provides ACI real-time payments, a solution that provides connectivity to payment rails; ACI RTGS and cross-border, a payments engine that offers multi-currency, payment and STP processing, and back-office integration interfaces; and ACI digital central infrastructure, a solution that offers real-time payments service. Further, it offers ACI Payments Orchestration Platform, a payments platform that orchestrates and optimizes payments; ACI Fraud Management for merchants, billers, and financial institutions; ACI Fraud Scoring Services with artificial and human insights with data intelligence; and Speedpay, an integrated suite of digital billing, payment, disbursement, and communication services. Additionally, it offers electronic bill presentment and payment services to consumer finance, insurance, healthcare, higher education, utility, government, subscription provider, telecommunications, and mortgage sectors; product installations and configurations, and custom software modifications; and business and technical consultancy, on-site support, product education, and testing services, as well distributes software developed by third parties. It markets its products and services 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 headquartered in Elkhorn, Nebraska.

Profile as reported by Yahoo Finance.

Who owns it

Insiders1.2%
Institutions98.8%
Public & other0.0%

536 institutional holders

As reported by Yahoo Finance.

Top holders

Blackrock Inc.16.74%
Vanguard Portfolio Management LLC7.92%
Franklin Resources, Inc.6.51%
Vanguard Capital Management LLC4.47%
State Street Corporation4.08%
Geode Capital Management, LLC3.12%
Dimensional Fund Advisors LP2.77%
Reinhart Partners, LLC2.38%

Largest institutional holders, as reported by Yahoo Finance (as of 3/31/2026).

Forensic scorecard

No major accounting red flags in the fundamentals we have — profit is backed by cash and returns look healthy.

Cash conversion1.54×

Over 3 years, operating cash flow fully covered reported profit — earnings are backed by real cash.

Net margin trend8.4% → 12.9%

Margin has expanded by about 4.5 points — the business is getting more profitable.

Growth qualityrev 10% · PAT 37%

Profit growth is broadly tracking revenue growth — the earnings trend looks operational rather than one-off.

Computed by MarketChacha from reported figures (SEC XBRL). Education, not a rating or recommendation.

What's expected next

Next quarter

Rev $432.1M · EPS 0.83

Est. earnings growth -24.2%

Next fiscal year

Rev $2.0B · EPS 3.84

Est. earnings growth +9.2%

Analyst consensus estimates — not the company's own guidance. As reported by Yahoo Finance.

$38.0552-wk range$60.17

Delayed · as reported by Yahoo Finance

New to these terms?

P/E ROE ROCE Margins Market cap

Browse the Learn hub →

Financials at a glance

Source: SEC XBRL

Annual

Quarterly · last 8

Market cap

$5.5B

Day change

-4.1%

P/E (TTM)

28.3

Fwd P/E

14.2

P/B

3.7

Beta

0.98

Revenue (FY2025)

$1.8B

Net margin

12.9%

ROE

14.9%

Revenue CAGR (2y)

+10.1%

Profit CAGR (2y)

+36.6%

EPS (FY2025)

2.16

Net profit (FY2025)

$226.7M

Market figures: Delayed · as reported by Yahoo Finance. Financials as reported in company filings.

Ask MarketChacha about ACIW

Get a cited, plain-English answer — the “why”, not just data. Finance research only, never buy/sell advice.

Financials

Yearly

Period	Revenue	Net profit	EPS	Net margin	ROE
FY2025	$1.8B	$226.7M	2.16	12.9%	14.9%
FY2024	$1.6B	$203.1M	1.91	12.7%	14.3%
FY2023	$1.5B	$121.5M	1.12	8.4%	9.2%

Quarterly

Period	Revenue	Net profit	EPS	Net margin
2026Q1	$425.7M	$38.3M	0.37	9.0%
2025Q3	$482.4M	$91.3M	0.88	18.9%
2025Q2	$401.3M	$12.2M	0.12	3.0%
2025Q1	$394.6M	$58.9M	0.55	14.9%
2024Q3	$451.8M	$81.4M	0.77	18.0%
2024Q2	$373.5M	$30.9M	0.29	8.3%
2024Q1	$316.0M	$-7.8M	-0.07	-2.5%
2023Q3	$363.0M	$37.9M	0.35	10.4%
2023Q2	$323.3M	$-6.7M	-0.06	-2.1%
2023Q1	$289.7M	$-32.3M	-0.30	-11.2%

Figures as reported, in reporting currency. Source: SEC XBRL.

Filings & announcements

2026

8-K — Shareholder vote results, Exhibits
SEC6/2/2026material
8-K — Results of operations, Reg FD disclosure, Exhibits
SEC5/7/2026material
10-Q filing
SEC5/7/2026

In the news

Education and discussion only — not investment advice. Financials from official filings (SEC/BSE) and reported company statements; market figures (delayed · as reported by yahoo finance) are delayed and shown for reference only. Verify with the linked sources before acting.