# ACI Worldwide Inc. (ACIW) fundamentals

Data as of 2026-11-04. NASDAQ, United States. Sector: Technology / Software. Price $58.43, market value $5.9 billion.

## Valuation
- **P/E (trailing): 26.7×** (5-yr avg 25.5×, 3-yr avg 25.5×). ACI Worldwide Inc. trades at 26.7× trailing earnings, close to its own five-year average of 25.5×. The Technology median in the September 2026 study was 32.1×. Forward P/E is 15.0×, lower than trailing, so analysts expect earnings to grow.
- **PEG: 1.14**. A PEG of 1.14 is in the range usually read as fairly priced for its growth.
- **Price / sales: 3.2×**. Each dollar of revenue is priced at 3.2×.
- **Price / book: 4.0×**. The shares trade at 4.0× book value; book value is a meaningful part of the valuation.
- **EV / EBITDA: 14.9×**. Enterprise value is 14.9× operating earnings before depreciation, the multiple that ignores how the company is financed.
- **Free-cash-flow yield: 5.3%** (5-yr avg 5.4%). Free cash flow equals 5.3% of the market value, in line with its five-year average of 5.4%. Above 5% is generally attractive.
- **Earnings yield: 3.7%**. The inverse of the P/E: 3.7% of the price is earned each year.

## Profitability
- **Operating margin: 18.6%**. 18.6% of revenue is left after running the business, a healthy level in most sectors.
- **Net margin: 12.9%**. 12.9% of each dollar of sales reaches the bottom line.
- **Return on equity: 14.9%**. 14.9% on shareholders' equity is solid.
- **Return on invested capital: 12.5%**. Return on all capital, debt included, is 12.5%.
- **Return on assets: 7.3%**. Each dollar of assets produces 7.3% of profit.

## Growth
- **Revenue growth (1 yr): 10.4%** (3-yr 7.4%/yr, 5-yr 6.3%/yr). Revenue grew 10.4% over the last year, against 6.3% a year compounded over five years: growth is accelerating.
- **EPS growth (1 yr): 13.1%** (3-yr 20.3%/yr, 5-yr 28.4%/yr). Earnings per share rose 13.1%, roughly in step with revenue.
- **Free-cash-flow growth (3 yr): 33.5%/yr**. Free cash flow has compounded at 33.5% a year over three years, keeping pace with earnings: the growth is real cash.

## Financial health
- **Debt to equity: 0.54**. Debt is 0.54 times equity, moderate leverage.
- **Net debt / EBITDA: 1.4×**. It would take 1.4 years of operating earnings to repay net borrowings, within the comfortable range.
- **Current ratio: 1.54** (quick 1.54). Current assets cover the next year's liabilities 1.54 times.
- **Altman Z-score: 3.98**. A Z-score of 3.98 places the company in the safe zone for bankruptcy risk.
- **Piotroski F-score: 7/9**. 7 of 9 fundamental checks pass: strong and improving financials.

## Dividends
- **Dividend: none**. ACI Worldwide Inc. does not currently pay a dividend.

## Price and momentum
- **Total return (1 yr): 22.6%** (YTD 22.2%, 3-mo 1.8%). The shares are up 22.6% over twelve months including dividends.
- **From 52-week high: -4.3%** (53.6% above the low). Trading within 5% of its 52-week high.
- **200-day average: above**. The price sits above its 200-day moving average, the usual definition of an uptrend.
- **RSI (14-day): 74**. An RSI of 74 is in overbought territory; short-term pullbacks are common from here.
- **Beta (1 yr): 0.38** (volatility 34%). Beta of 0.38 against the S&P 500: the shares move much less than the market.

Live score and charts: https://foliofundamentals.com/analyzer?s=ACIW · Page: https://foliofundamentals.com/stocks/aciw

Not investment advice.