ACI Worldwide, Inc. (ACIW) is a publicly traded company in the Technology — Software - Infrastructure industry listed on NASDAQ. This overview shows the latest price, key valuation ratios, profitability metrics and financial-health indicators used by fundamental investors.
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.
Is ACI Worldwide, Inc. stock overvalued or undervalued in 2026?
ACI Worldwide, Inc. (ACIW) trades at 25.8× earnings (P/E), below the median of the 314 technology companies over $2bn in Kaplio's universe. At the decade median (26.3×) $57 (+2 %); at its sector median (32.0×) $70 (+24 %).
Kaplio overview: ACI Worldwide, Inc.
Market cap $6B · 52 weeks $38 – $60 (6 % below the high) · P/E 25.8× · 2027 expected P/E 18.9× · Dividend none · Next earnings November 5, 2026 · expected EPS $0.37 · Closing price, Oct 30 · accounts published Aug 6.
- Valuation: P/E 25.8× (fairly priced).
- Business: ROIC 10 % (fair).
- Balance sheet: Net debt/EBITDA 1.4× (passes, near the threshold).
- Earnings: 5 of 8 (uneven).
What would it be worth at its usual multiples?
At the decade median (26.3×) $57 (+2 %); at its sector median (32.0×) $70 (+24 %). Implied price from applying the reference multiples to today's earnings (or book value, or FFO) per share. Not a fair value: it is where the stock would trade at its usual multiples.
What matters in technology: 2 of 8 pass
- 3y revenue growth 10.6 %, fails.
- Rule of 40 (SaaS only) 28, fails.
- Gross margin 49.0 %, fails.
- FCF / Revenue 17.6 %, fails.
- ROIC 10.3 %, fails.
- EV/EBITDA vs own 5y 13.6×, fails.
- SBC / Revenue 4.0 %, passes.
- Net debt / EBITDA 1.4×, passes, near the threshold.
Against its peers (reference peers) — ACI Worldwide, Inc.: P/E 25.8×; EV/EBITDA 13.6×; ROIC 10.3 %; $5.7B. WEX Inc. (P/E 15.9×; EV/EBITDA 10.0×; ROIC 8.2 %; $6.3B), Dlocal Limited (P/E 19.1×; EV/EBITDA 11.7×; ROIC 31.8 %; $3.8B), PayPay Corporation (P/E 12.1×; EV/EBITDA 13.7×; ROIC 2.1 %; $9.5B).
Expensive or cheap against its last ten years?
P/E at each close: today 25.8× · median 26.3× · minimum 15.8× · maximum 73.5× · cheap below 23.1× · expensive above 52.9×. It has been cheaper than today only 48% of the time over its last ten years.
Profitability
| Return on Equity | 15.06% |
| Return on Invested Capital | 10.30% |
| Return on Assets | 7.29% |
| Gross Margin | 49.08% |
| Operating Margin | 18.61% |
| Net Margin | 12.40% |
Financial Health
| Debt / Equity | 0.57 |
| Current Ratio | 1.58 |
| Piotroski F-Score | 7 |
| Altman Z-Score | 3.77 |
Price Performance
| 1 month | +12.34% |
| 3 months | -1.80% |
| Year-to-date | +17.84% |
| 1 year | +18.29% |
| 3 years | +144.64% |
| 5 years | +86.87% |
| 10 years | +227.37% |
Related companies: FISV · PAYP · DLO · EEFT · PAYO · GPN · WEX
Explore sector: Technology · Software - Infrastructure
More sections of ACIW: Financials · Valuation · Statistics · Estimates · Technical · Ownership · News · Events
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