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ACI

NSQ:ACIW · US0044981019
SoftwareLarge

360

61
EV / EBIT57
Price / Owner Earnings48
Owner Earnings Yield71
Dividend Yield1
Price/Sales64
EV / Gross Profit56
Price/Book56
Return on Capital69
Cash Return on Capital41
Return on Equity56
EBIT Margin70
Gross Profitability33
Cash Conversion29
Accruals36
Owner Earnings Margin51
Sales growth34
Profit Growth89
Long-Term EPS Growth11
Owner Earnings Growth17
Reinvestment39
Price momentum64
Debt load51
Refinancing89
Debt Payback21
Liquidity87
Analyst ratings62
Opinion Changes50
Price Target Upside57
Market mood15
Value Creation12/20creating some value
  • Creates more value than its capital costs
  • Owner earnings growing
  • Owner earnings per share growing
  • Reinvests at strong returns
  • Solid earnings base

What this means

ACI clears its cost of capital, but the record is mixed across the five tests. Real value creation, just not yet consistent.

Profile

CountryUSA
IndustrySoftware
SizeLarge
TypePublic Company
ExchangeNASDAQGS
Founded1993
Employees3,389
Websiteaciworldwide.com
ISINUS0044981019
Last UpdateApr 2, 2026
Indices
NASDAQ (USA)
Themes
FintechMachine LearningArtificial IntelligenceAnti-FraudOnline PaymentsPayment Facilitator EnablersSoftware DevelopmentBillingMobile PaymentsPaymentsSoftware

Description

ACI Worldwide, Inc. (ACI) develops, markets, installs, and supports a broad line of software solutions that deliver intelligent payments orchestration to banks, merchants, and billers. ACI powers the world's payments ecosystem by supporting any chan…

Analysis

Middle-of-the-road

ACI Worldwide, Inc. sits in the middle of our grid: average quality, average price, no obvious signal in either direction.

On valuation, the picture is fair. The owner-earnings multiple stands at 19.8×; owner earnings: the cash an owner could take out each year.

Growth is moderate; the safety picture is adequate. The company scores 12/20 on our value-creation score: creating some value.

No flags apply to this company at this time: accounts, balance sheet, and cash quality all pass. A clean bill of health is meaningful, not just the absence of a warning. This analysis describes numbers; it is not investment advice.

360° rank · history

1007550250
91
2023202420252026

All-time high

100

Mar 2026

All-time low

57

Jan 2024

Average rank

80

across all years

Detailed & Historical Ranks

Deep dive into 15 detailed ranks and 3 years of history.

Current202520242023
Price/Sales
64
63
74
75
Price/Earnings
52
58
70
75
Price/Book
56
51
64
68
Dividend Yield
1
1
1
1
Value (overall)
50
57
74
77

Cells are coloured by rank band (red weak → green strong). Sentiment & 360° history begins 2023.

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Make Sense of the Ranks

Every rank runs 1–100 against true peers. Higher is always better.

360° View
1 · Watch OutGood· 100
Value
1 · ExpensiveGood Value· 100
Quality
1 · Weak FundamentalsHigh Quality· 100
Growth
1 · Tough TimesHigh Growth· 100
Safety
1 · High LeverageWell-Financed· 100
Sentiment
1 · SkepticismPositive· 100
Learn More →