ACI Worldwide, Inc (ACIW) Fair Value & Analysis
Technology · US · Market cap $5.9B
ACI Worldwide, Inc
ACIW · US
Fair value as of: Jul 20, 2026
From 26 valuation models · updated 21 days ago
Share price −4.0% over the past month.
A solid business, but screening 28% overvalued on our models.
What matters now
- A high-quality business (quality 74/100), yet the market already pays well above fair value. Quality at a full price, with little margin of safety.
- The price sits above even our optimistic bull case ($49.69). The favourable scenario is already priced in.
- A fairly wide model range ($25.79 to $49.69) leaves room in how you read the outcome.
Price vs Fair Value (5 years)
White line = price, green steps = our fair value per fiscal year, dashed = 300-day average. As of Jul 20, 2026.
How to read this chart
60‑month range $19.75 – $60.18 · fair‑value band $25.79 – $49.69 · the $53.67 price screens above the $38.43 fair value. Green steps = our fair value per fiscal year (point-in-time, no hindsight). Dashed = 300-day average. As of Jul 20, 2026.
Analysis
ACI Worldwide, Inc (ACIW) currently trades at $53.67, while our model-based Fair Value estimate is $38.43, implying the stock looks roughly 28.4% overvalued today. The Quality Score stands at 74/100 (solid quality), in the Technology sector. Bear case: priced above our estimate, the market already discounts strong expectations. Bull case: above-average quality can justify a premium, the entry price still matters most (evidence: high).
Over the trailing twelve months, ACI Worldwide, Inc generated revenue of $1.8B at a net margin of 11.5%. Revenue grew 7.9% year over year. It earns a return on equity of 13.8%. Net debt stands at $675M. Fundamentals as of Jul 20, 2026
Our scenario range runs from $25.79 (bear case) to $49.69 (bull case); at $53.67, the current price sits above that range. Bear and bull are the same models run on conservative and optimistic assumptions (margins, growth, valuation multiples), so a plausible valuation range, not a price target. The share trades about 1% below its 52-week high and 41% above its 52-week low, currently above its 200-day average. For context, the median of 10 Technology peers we cover trades at -50% fair-value upside, at -28%, ACIW screens cheaper than that median.
Fair Value models
Each model estimates fair value its own way; the Fair Value above is the evidence-weighted blend. Evidence (0–100) measures how completely this model’s inputs are available: well-fed models carry more weight in the blend. The spread across models is intentional, each one stresses a different value driver; dividend models, for instance, come out structurally low when payout is small.
All 26 models by family
Widest divergence: DCF Models ($42.57) versus Dividend Discount ($4.24). Highest evidence: Growth DCF (80).
Key figures & financial health
More key figures
Figures from reported company fundamentals · as of Jul 20, 2026. TTM = trailing twelve months.
Quality Score breakdown
Of which business quality 68 · Market factors (momentum, volatility) 69
Non-valuation factor families (profitability, growth, cashflow, financial strength, momentum …), each academically grounded. Valuation itself sits in the Fair Value and is deliberately excluded here to avoid double-counting.
About the company
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.
Full company description
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.
Company description, as reported by the company or data provider.
Revenue & earnings trend
FY2021 – FY2025 · reported fiscal years
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.
ACIW screens 28% overvalued. Compare with Microsoft Corporation →
Recent news
External third-party headlines (Yahoo Finance, Reuters and others), not an editorial selection.
- ACI Worldwide Inc (ACIW) (Q2 2026) Earnings Call Highlights: Strong Growth and Raised Guidance ...
- Here's Why ACI Worldwide (ACIW) is a Great Momentum Stock to Buy
- ACI Worldwide Q2 Earnings Call Highlights
- ACI Worldwide (ACIW) Q2 Earnings and Revenues Beat Estimates
Peer Group
Software - Infrastructure · 368 stocks
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.
Valuation Multiples vs Software - Infrastructure median · lower = cheaper
Snowflake
Five quick dimensions, each 0 to 100: VALUE (fair-value potential), FUTURE (revenue growth), PAST (return on equity), HEALTH (low debt), DIVIDEND (yield). Green = this stock, grey = typical sector peer.
VALUE 0: the price sits above our fair-value range.
Insider activity: 78/100
Values & ESG
Does this company touch areas you may want to avoid? The classification is inferred from sector and industry.
ESG scores are not available for this stock yet. Values and ESG data are contextual and can differ between providers.
Similar stocks
10 more Software - Infrastructure stocks, each showing price versus our Fair Value estimate (as of Jul 20, 2026).
| Stock | Price | Fair Value | vs Fair Value |
|---|---|---|---|
| Microsoft Corporation MSFT | $384.00 | $274.17 | -29% |
| Oracle Corporation ORAC | C$9.08 | C$2.94 | -68% |
| Fortinet, Inc FTNT | $160.78 | $44.96 | -72% |
| Synopsys, Inc 1SNPS | €354.50 | €93.61 | -74% |
| Block, Inc XYZ | A$114.53 | A$70.69 | -38% |
| CoreWeave, Inc CRWV | $79.94 | $44.89 | -44% |
| Range Intelligent Computing Technology Group 300442 | ¥71.60 | ¥34.00 | -53% |
| Oracle Financial Services Software Limited OFSS | ₹11,651 | ₹5,821 | -50% |
| 360 Security Technology Inc 601360 | ¥9.64 | ¥5.05 | -48% |
| One97 Communications Limited PAYTM | ₹1,342 | ₹181.50 | -86% |
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How we calculate Fair Value
Each company is valued through a stack of independent intrinsic-value models (DCF variants, residual-income, multiples and more), blended into one family-balanced consensus and weighted by how much trustworthy data backs it. A separate quality layer scores the fundamentals. Every input is real reported data, nothing guessed.
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