# ACI Worldwide Inc. (ACIW) fundamentals

Data as of 2026-09-08. NASDAQ, United States. Sector: Technology / Software. Price $52.95, market value $5.3 billion.

## Valuation
- **P/E (trailing): 24.3×** (5-yr avg 25.5×, 3-yr avg 25.5×). ACI Worldwide Inc. trades at 24.3× 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 13.6×, lower than trailing, so analysts expect earnings to grow.
- **PEG: 1.04**. A PEG of 1.04 is in the range usually read as fairly priced for its growth.
- **Price / sales: 2.9×**. Each dollar of revenue is priced at 2.9×.
- **Price / book: 3.6×**. The shares trade at 3.6× book value; book value is a meaningful part of the valuation.
- **EV / EBITDA: 13.7×**. Enterprise value is 13.7× operating earnings before depreciation, the multiple that ignores how the company is financed.
- **Free-cash-flow yield: 5.8%** (5-yr avg 5.4%). Free cash flow equals 5.8% of the market value, in line with its five-year average of 5.4%. Above 5% is generally attractive.
- **Earnings yield: 4.1%**. The inverse of the P/E: 4.1% 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.
- **Altman Z-score: 3.62**. A Z-score of 3.62 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.

## Analyst view
- **Analyst consensus: strong_buy** (3 analysts). 3 analysts cover ACI Worldwide Inc.; the consensus is strong_buy, with an average price target of $67.33 (+27% from the current price). Analyst opinion is shown for context; it is not part of the Fundamental Score.

## Price and momentum
- **Total return (1 yr): 6.7%** (YTD 10.8%, 3-mo 23.7%). The shares are up 6.7% over twelve months including dividends.
- **From 52-week high: -13.3%** (39.2% above the low). Trading 13% below 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): 48**. An RSI of 48 is neutral.
- **Beta (1 yr): 0.54** (volatility 35%). Beta of 0.54 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.