ACI Worldwide Inc (ACIW) fair value: what the stock is really worth
As of Nov 6, 2026: fair value (intrinsic value) of ACI Worldwide Inc stock $55.79, price $60.02, that is 7.0% below the price, quality 71 out of 100. Rating: fairly valued. Calculated from audited financials with 24 of our 26 valuation models and 37 quality factors, updated daily.
69 individual criteria per stock, every one traceableSee the method →
Price vs Fair Value
White line = price, green steps = our fair value per fiscal year. As of Nov 8, 2026.
How to read this chart
60‑month range $19.75 – $60.18 · fair‑value band $33.68 – $72.98 · the $60.02 price screens above the $55.79 fair value. Green steps = our fair value per fiscal year (point-in-time, no hindsight). 1 fiscal year is left out: there the valuation rested on only a fraction of the usual models. As of Nov 8, 2026.
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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.
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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.
Stock analysis
ACI Worldwide Inc (ACIW) currently trades at $60.02, while our model-based Fair Value estimate is $55.79, so the stock looks roughly fairly valued today (gap 7.6%).
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Valuation
Bull case: the Growth Earnings group reads highest at a median of $56.14 per share, and 4 of the 24 models we run sit above the $60.02 price.
Bear case: the Earnings-Based group reads lowest at $18.49, and 20 of the 24 models stay below the price. Data coverage for this calculation is medium.
Scenario range: $33.68 (bear) to $72.98 (bull), the price of $60.02 sits inside it. Bear and bull are the same models on cautious and optimistic assumptions, a range, not a price target.
Quality & growth
The Quality Score stands at 71/100 (solid quality), in the Technology sector.
Healthy Growth: Revenue growth appears healthy and is supported by profitability and cash-flow quality.
ACI Worldwide Inc reported revenue of $1.8B in FY2025 versus $1.4B in FY2021, a compound +6.4%/yr. Reported net income was $227M in FY2025, compounding +15.4%/yr from FY2021.
Key figures
Market cap $6.1B Mid · P/E ratio 36.8 · P/S ratio 3.46 · EPS (TTM) $1.63 · Net margin 9.5% · Return on equity 11.2% · Return on assets (EBIT) 8.0% (5-year average) · Operating margin 12.4%.
Competitive moat
Our AI-assisted moat analysis scores the competitive advantage at 56 out of 100 (medium confidence).
What moves the price
The share trades at its 52-week high and 56% above its 52-week low, currently above its 200-day average.
For context, the median of 10 Technology peers we cover trades at −11% fair-value upside, at −7%, ACIW screens cheaper than that median.
Fair Value models
Bear$33.68Fair Value $55.79Bull$72.98
Price $60.02 · Downside -7.0%
Model ⓘEach model values the company its own way (discounted cash flow, earnings, assets, dividends). The fair value above starts from their evidence-weighted blend, not from a single model. In cyclical trough or peak years, after dilution or a stock split it is adjusted afterwards, so it can sit above or below the models. Based on fiscal year 2025 figures (about 10 months old). Earnings retained since then ($1.39 per share) are deliberately not added.Bear ⓘBear = the cautious scenario: the same model computed with conservative anchors (lower growth, margins and valuation multiples). Together with Bull it frames a plausible valuation range, not a price target.BaseBull ⓘBull = the optimistic scenario: the same model computed with favourable anchors (higher growth, margins and valuation multiples). Together with Bear it frames a plausible valuation range, not a price target. If a model's bull case is above four times its base value, the table shows that limit with a > sign (like the overall Bull above): beyond it no assumption holds.Coverage ⓘCoverage = how well-backed THIS model's estimate is for this stock (0–100): how complete and reliable its input data are, and how well the model fits the company. The final Fair Value is an evidence-weighted blend, so better-evidenced models count more. Green ≥70, amber 50–69, grey below 50.
In the last 6 months, no officer or director bought or sold shares on the open market.
BuyJuan Benitez IIDirector2,400 shares at $41.90$100,560Mar 3, 2026
BuyAdalio T SanchezDirector3,000 shares at $40.98$122,940Mar 2, 2026
SaleAbraham KuruvillaChief Technology Officer4,210 shares at $47.69$200,775Nov 10, 2025
Plus 18 other filings such as grants, option exercises or tax withholding. They are not market purchases or sales.
Sales are often planned (taxes, diversification, 10b5-1 plans). Purchases with their own money are seen as the stronger sign. For information only: not part of the quality score or Fair Value.
Growth Quality ⓘGrowth is valuable only when reinvestment earns attractive returns (Aswath Damodaran): sustainable growth depends on return on capital, reinvestment and efficiency. Basis: total company revenue over the periods shown on the cards (3Y/5Y/all years), not per share, so a merger can show up as a growth jump; per-share earnings growth is in the value-creation card.72/100
Revenue growth appears healthy and is supported by profitability and cash-flow quality.
Revenue growth 1 year
+10.4%
Revenue growth 3 years ⓘMeasures the company's TOTAL revenue from reported annual statements: compound average growth per year (CAGR) from the fiscal year 3, 5 or N years back to the most recent comparable fiscal year. Not per share: buybacks do not change this number, and a merger can appear as a growth jump. Per-share growth (which does include buybacks) is in the value-creation card.
+7.4%
Revenue growth 5 years ⓘMeasures the company's TOTAL revenue from reported annual statements: compound average growth per year (CAGR) from the fiscal year 3, 5 or N years back to the most recent comparable fiscal year. Not per share: buybacks do not change this number, and a merger can appear as a growth jump. Per-share growth (which does include buybacks) is in the value-creation card.
+6.3%
Start year 2020 (pandemic). Over 10 years: +5.3% a year
Revenue growth 31 years ⓘMeasures the company's TOTAL revenue from reported annual statements: compound average growth per year (CAGR) from the fiscal year 3, 5 or N years back to the most recent comparable fiscal year. Not per share: buybacks do not change this number, and a merger can appear as a growth jump. Per-share growth (which does include buybacks) is in the value-creation card.
+10.8%
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What shareholders gained per year (last 5 years) ⓘWhat the business itself delivers per year: earnings growth per share plus the dividend yield. This is what you get IF the market keeps valuing the stock the same way: it contains no assumption about the market changing its mind. Computed per share, so buybacks count and a merger does not pass as growth. For a company that pays no dividend it is pure earnings growth per share. Period: earnings growth per share as CAGR over the last 5 reported fiscal years (annual statements), plus the current dividend yield. The start value is the median of the three years around the start, so a single crisis year (a pandemic or a write-down) does not distort the rate. Basis: adjusted.
+25.5%
Earnings growth per share plus dividend.
Earnings per share, growth per year+25.5%
Dividend (yield on the price)0.0%
Pace: 5 vs 10 years ⓘTwo data points, not a trend model: earnings growth per share over the last 5 fiscal years against the last 10. Labelled "steady" when both rates are within 3 percentage points of each other, otherwise picking up or flattening. Shown only when ten years of history exist.28.6% vs 11.7%, picking up
Profit margin 2020 to 2025 ⓘOperating margin then vs now, from reported annual statements. A falling margin after a boom year is the classic peak-earnings signal: the growth rate then leans on an inflated base.11% → 19%
Pace: the 5-year rate starts in 2020 (pandemic)
Growth Forecast
A lot of optimism in the price
The price assumes more growth than the company has delivered so far and more than analysts expect.
What the price assumes ⓘThis turns our valuation around: instead of asking what the share is worth, it asks what growth the current price requires. It uses the cash the company keeps after all spending (free cash flow), the same discount rate as our models, five years of growth, then slowing evenly to 2 % a year by year ten. Compared with the analysts' sales forecasts extended to the same five years (at least three analysts, for context only, it does not enter the Fair Value): within 3 percentage points counts as "in line" (amber), below that little optimism (green), above that a lot of optimism (red).
+11.0%
Yearly growth needed for the next five years to justify today's price.
What forecasts expect ⓘAnalysts publish sales forecasts for the next two fiscal years. For the years after that, growth slows evenly to 2 % a year by year ten (2 % is the long-run rate our models use). Projected years are marked as such.
+6.9%
Yearly sales growth analysts expect, extended to five years.
After inflation (USA: IMF forecast 2.4% a year to 2030, 3.1% from 2016 to 2025) that is about +8.4% a year for the price and +4.4% for the forecasts.
News mood ⓘNews mood, the average tone of recent news (99 articles), rated against how stocks are usually covered. 🚀 Hype = unusually upbeat · 🙂 Positive = above average · 😐 Neutral = typical · 🙁 Negative = below average · 😨 Very negative = unusually downbeat. It reflects the tone of coverage, not our valuation.Hype
Recent news coverage is unusually upbeat, far more positive than stocks are typically covered.
AI conclusion: The payments infrastructure shows reasonable returns through platform integration but its main weakness is the lack of evidence for a durable competitive moat.
Main risk: Rivals such as Adyen and Stripe with modern API-driven platforms could capture more digital and e-commerce payments customers from ACI Worldwide and pressure its pricing in those segments.
Bull case: ACI Worldwide could integrate its orchestration capabilities more deeply with emerging AI-driven commerce and tokenized flows to retain banks seeking a unified platform alongside traditional payments.
Bear case: If banks increasingly adopt standalone solutions from agile cloud providers for new payment types, ACI Worldwide could lose market share in high-growth areas and see margins squeezed on its core infrastructure software.
ACI Worldwide is extending its Connetic platform to route payments through Swift’s ledger so banks can handle tokenized deposits in the same environment as traditional flows. This avoids separate stacks for digital assets but still requires banks to certify and integrate the new capability at scale. Will the single-platform model speed up modernization or will most institutions keep tokenized payments isolated for now?
Price, fair value, quality and upside side by side.
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Peer GroupⓘHow this stock ranks against its industry: the green marker is this stock, the band is the typical 25–75% peer range, and the tick is the median.Software - Infrastructure · 345 stocks
Beats the industry median on 5/14 measures
Overall it trails its industry peers.
Valuation
Quality Score71 · Top 25%
Fair Value upside−7.0% · Below median
Profitability
Return on equity (12 months)11.2% · Above median
Return on assets7.3% · Top 25%
Net margin (12 months)9.5% · Above median
Operating margin (12 months)12.4% · Above median
Growth and dividend
Revenue growth (quarter YoY)−11.5% · Bottom 25%
Balance sheet
Debt / equity0.51× · Highest 25%
Valuation Multiplesvs Software - Infrastructure median · lower = cheaper
P/E (12 months)36.8× · Pricier than median
P/B4.02× · Pricier than median
P/S (12 months)3.46× · Pricier than median
Price / free cash flow (fiscal year)19.7× · Pricier than median
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Is ACI Worldwide Inc (ACIW) overvalued or undervalued?
As of Nov 8, 2026, our model estimates a fair value of $55.79 versus a price of $60.02, about 7% lower (fairly valued).
What is the fair value of ACIW?
Our model-based fair value for ACI Worldwide Inc is $55.79 (as of Nov 8, 2026), built from audited fundamentals. The current price: $60.02.
What is the quality score of ACIW?
ACI Worldwide Inc has a Quality Score of 71/100. It measures business quality (profitability, growth, cash flow, balance-sheet strength, investment discipline, share issuance). Market factors such as price momentum and volatility do not enter the number; they are shown separately in the detail view.
What is the price target for ACI Worldwide Inc (ACIW)?
Our model-based price target is the fair value of $55.79 (as of Nov 8, 2026) from 24 valuation models. Cautious scenario $33.68, optimistic scenario $72.98. It is a calculation from audited fundamentals, not an analyst target.
What is the ACI Worldwide Inc stock forecast for 2026?
Our models put fair value at $55.79, about 7% lower versus a price of $60.02 (fairly valued). Cautious scenario $33.68, optimistic scenario $72.98. The calculation is refreshed regularly with new filings.
What is the revenue of ACI Worldwide Inc (ACIW)?
ACI Worldwide Inc reported trailing-twelve-month revenue of about $1.8B (latest available figure, as of Nov 8, 2026).
What growth is priced into ACI Worldwide Inc (ACIW)?
For today's price to be fair in a discounted-cash-flow model, ACI Worldwide Inc would have to grow free cash flow by +11.0 % per year for five years (discount rate 9.7 %, then slowing evenly to 2 % perpetual growth by year ten). Over the last 5 years revenue grew +6.3 % per year. As of Nov 8, 2026.
What discount rate (WACC) does the fair value of ACIW use?
Our models discount ACI Worldwide Inc at 9.7 %: a base by market capitalisation (mid), damped by beta 0.99, country premium for USA. The same rate applies in all 26 models.
What is a reverse DCF?
A reverse DCF turns the usual calculation around. Instead of deriving a value from assumptions, it takes today's price as given and asks: what free-cash-flow growth would a company have to deliver for exactly this price to be fair? The result is not a forecast but the expectation already priced in. For ACI Worldwide Inc that is +11.0 % per year for five years, then slowing evenly to 2 % by year ten, using the same discount rate (9.7 %) and the same formula as our fair value.
How much growth has ACI Worldwide Inc (ACIW) delivered so far?
Over the past 5 years revenue at ACI Worldwide Inc grew +6.3 % a year. The price currently implies free-cash-flow growth of +11.0 % per year. Comparing the two shows how much confidence is in the price: if it demands more than has been delivered, the business has to accelerate for the maths to work.
How fast is the sector of ACI Worldwide Inc (ACIW) growing?
The median revenue growth in the sector is +11.5 % a year. That is the yardstick for the growth priced into ACI Worldwide Inc (+11.0 % per year): it shows whether the expectation is within the usual range or beyond it.
What is the free cash flow yield of ACI Worldwide Inc (ACIW)?
The free-cash-flow yield on the price is 5.08 %: that much free cash flow ACI Worldwide Inc produces per unit of market value. When it exceeds the discount rate of our models (9.7 %), the business already earns more than its cost of capital demands, and the price needs little additional growth.
What is the intrinsic value of ACI Worldwide Inc (ACIW)?
Intrinsic value and fair value mean the same thing: what the business is worth on its numbers, independent of the share price. For ACI Worldwide Inc it is $55.79 per share (as of Nov 8, 2026), against a price of $60.02. It is the blended result of 24 valuation models in 7 families (DCF Models, Earnings-Based, Multiples, Asset-Based, Growth DCF, Economic Profit, Growth Earnings).
Is ACI Worldwide Inc stock overvalued or undervalued in 2026?
As of Nov 8, 2026, ACIW trades above its calculated fair value: price $60.02, fair value $55.79, a gap of about −7% (fairly valued). The calculation is refreshed with each new quarterly report, so the verdict can change during the year.
Is fair value the same as the market price of ACIW?
No. The price is what the market pays today ($60.02); the fair value is what the company's own numbers justify ($55.79). For ACI Worldwide Inc the two are $4.23 per share apart. That gap is exactly why we show both numbers side by side.
How much is ACI Worldwide Inc worth?
The market values ACI Worldwide Inc at about $6.1B (market capitalisation, as of Nov 8, 2026). Per share that is $60.02; our models calculate a fair value of $55.79 per share.
What do the bullish and bearish scenarios say about ACIW?
Our models span a range for ACI Worldwide Inc: cautious scenario $33.68, base $55.79, optimistic $72.98 per share (as of Nov 8, 2026, price $60.02). The range comes from different growth and margin assumptions, not from analyst opinions.
What is the P/E ratio of ACIW?
ACI Worldwide Inc trades at a price-to-earnings ratio of 36.8 (as of Nov 8, 2026). A P/E on its own says little: it compares the price with ONE year of profit, while our fair value of $55.79 is built from several models across several years. Excluding one-off items of fiscal year 2025 it is 31.3 (reported for FY2025: 27.8). Median P/E at fiscal year-end, 10 fiscal years (2016 to 2025), reported earnings, 5 of the years ex one-offs: 34.8. Other multiples: PEG 1.8, P/B 4.0, P/S 3.5, EV/EBITDA 21.7.
What is the PEG ratio of ACIW?
The PEG ratio of ACI Worldwide Inc is 1.78 (P/E divided by earnings growth, as of Nov 8, 2026). That is above 1, so the growth is already paid for in the price.
How solid is the balance sheet of ACI Worldwide Inc (ACIW)?
Balance-sheet figures for ACI Worldwide Inc (as of Nov 8, 2026): return on equity 11.2%, debt of 0.51 per unit of equity. They feed the Quality Score of 71/100, which measures business quality independently of the share price.
How far is ACIW from its 52-week high?
ACI Worldwide Inc trades at $60.02, at its 52-week high of $60.18 and 56% above the low of $38.47 (as of Nov 6, 2026). Distance from the high says nothing about value: that is what the fair value of $55.79 is for.
Which stocks are comparable to ACI Worldwide Inc?
From the same area (Technology) we also value Microsoft Corporation, Oracle Corporation, Palantir Technologies Inc, Palo Alto Networks, Inc, among others. Each of them has its own fair-value calculation on this site using the same models, so the comparison is like for like.
Is ACI Worldwide Inc stock attractive at the current price?
The data as of Nov 8, 2026: price $60.02, calculated fair value $55.79 (−7%), Quality Score 71/100, from 24 models. Whether that fits your horizon and risk tolerance is your call. We provide the calculation, not investment advice.
How is the fair value of ACIW calculated?
We run ACI Worldwide Inc through 24 models from 7 families: DCF Models, Earnings-Based, Multiples, Asset-Based, Growth DCF, Economic Profit, Growth Earnings. Every model gets the same audited fundamentals; the fair value of $55.79 builds on their evidence-weighted average, with the spread shown as a cautious and an optimistic scenario.
Is it still worth investing in stocks now?
The global stock market currently sits 13.0% above its aggregate fair value. ACI Worldwide Inc itself currently trades above fair value. An expensive market is no reason to stay out and no reason to buy everything at once: keep a broad savings plan running, buy single stocks only with money you can do without, and hold part of your money liquid while the market is high. The full picture including sectors is on is it worth investing now.
What is the share price of ACI Worldwide Inc (ACIW)?
The closing price on Nov 6, 2026 was $60.02. Our model-based fair value is $55.79, about 7% lower (fairly valued). We carry closing prices from our data provider, not a live tick.
What should I pay attention to with ACI Worldwide Inc right now?
The price sits close to our fair value, market and models broadly agree here, little valuation tension. A fairly wide model range ($33.68 to $72.98) leaves room in how you read the outcome.
Where does the earnings growth of ACI Worldwide Inc (ACIW) come from?
Earnings per share at ACI Worldwide Inc grew +8.9 % a year from 2014 to 2025. Broken into its drivers: revenue per share +6.3 %, EBIT margin +1.3 %, tax rate +1.1 %, residual (interest, one-offs) +0.1 %. The four rates multiply to the earnings growth rate, they do not add up. Start and end are three-year averages so a single exceptional year does not distort the result.
Key figures of ACI Worldwide Inc
How large is the market capitalisation of ACI Worldwide Inc (ACIW)?
The market capitalisation of ACI Worldwide Inc is $6.1B. The stock-market value of the whole company: share price times number of shares. It is what the market asks for the entire business today.
What is the P/S ratio of ACI Worldwide Inc (ACIW)?
The price-to-sales ratio of ACI Worldwide Inc is 3.46 (last twelve months). Price to sales: market value relative to yearly revenue. Useful when profit is thin or distorted.
What are the earnings per share of ACI Worldwide Inc (ACIW)?
Earnings per share at ACI Worldwide Inc are $1.63 (price ÷ EPS = P/E 36.8). Earnings per share over the last twelve months: total profit spread across every single share.
What is the net margin of ACI Worldwide Inc (ACIW)?
The net margin of ACI Worldwide Inc is 9.5% (last twelve months). How much of every unit of revenue ends up as profit. 10% means 10 cents of profit per dollar of sales.
What is the return on equity of ACI Worldwide Inc (ACIW)?
The return on equity (ROE) of ACI Worldwide Inc is 11.2% (last twelve months). Profit relative to shareholders' equity, how efficiently the company works with its owners' money.
What is the EBIT return on assets of ACI Worldwide Inc (ACIW)?
On an EBIT basis the return on assets of ACI Worldwide Inc is 8.0% (avg 5y). Operating profit (EBIT) relative to everything the company owns, as a multi-year average. It describes the business model rather than one good or bad year.
What is the operating margin of ACI Worldwide Inc (ACIW)?
The operating margin of ACI Worldwide Inc is 12.4% (last twelve months). Profit from the core business (before interest and taxes) relative to revenue.
How fast is revenue growing at ACI Worldwide Inc (ACIW)?
Revenue at ACI Worldwide Inc is growing −11.5% versus a year earlier (3y avg +7.4%). How much revenue grew versus a year earlier (YoY). The 3-year average next to it puts the single year in context.
How fast are earnings growing at ACI Worldwide Inc (ACIW)?
Earnings per share at ACI Worldwide Inc are growing −63.6% versus a year earlier. How much earnings per share grew versus a year earlier.
How much net debt does ACI Worldwide Inc (ACIW) carry?
The net debt of ACI Worldwide Inc is $675M (fiscal year 2025, ≈ 2.2 yrs of FCF). Debt minus cash on hand. The note shows how many years of free cash flow could in theory pay it off.
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Some data
Nov 8, 2026