Home 
Today's Top Picks 
Top Performers 
Watchlist 
My Robo Portfolios 
ETF Zone 
Help & Tutorial - Chart
- Upturn Summary
- Highlights
- Revenue
- Valuation
- About
ACIW 
ACI Worldwide Inc (ACIW)
- BUY Advisory
- SELL Advisory (Profit)
- SELL Advisory (Loss)
- Profit
- Loss
- Pass (Skip investing)
Stock price based on last close (see disclosures)
- ALL
- 1Y
- 1M
- 1W
Upturn Advisory Summary
01/07/2026: ACIW (2-star) is currently NOT-A-BUY. Pass it for now.
Upturn Star Rating
Below Average Performance
These Stocks/ETFs, based on Upturn Advisory, often underperform the market, warranting careful consideration before investing.
Number of Analysts
7 Analysts rated it
Limited analyst coverage, niche firm, research info may be scarce.
1 Year Target Price $64.6
1 Year Target Price $64.6
| 4 | Strong Buy |
| 0 | Buy |
| 3 | Hold |
| 0 | Sell |
| 0 | Strong Sell |
Analysis of Past Performance
Type Stock | Historic Profit 70.58% | Avg. Invested days 78 | Today’s Advisory PASS |
Upturn Star Rating | Upturn Advisory Performance  3.0 | Stock Returns Performance  4.0 |
| Profits based on simulation | Last Close 01/07/2026 |
Key Highlights
Company Size Mid-Cap Stock | Market Capitalization 4.69B USD | Price to earnings Ratio 18.41 | 1Y Target Price 64.6 |
Price to earnings Ratio 18.41 | 1Y Target Price 64.6 | ||
Volume (30-day avg) 7 | Beta 1.05 | 52 Weeks Range 40.45 - 58.14 | Updated Date 01/6/2026 |
52 Weeks Range 40.45 - 58.14 | Updated Date 01/6/2026 | ||
Dividends yield (FY) - | Basic EPS (TTM) 2.47 |
Analyzing Revenue: Products, Geography and Growth
Revenue by Products
Product revenue - Year on Year
Revenue by Geography
Geography revenue - Year on Year
Earnings Date
Report Date - | When - | Estimate - | Actual - |
Profitability
Profit Margin 15.07% | Operating Margin (TTM) 26.72% |
Management Effectiveness
Return on Assets (TTM) 7.01% | Return on Equity (TTM) 18.58% |
Valuation
Trailing PE 18.41 | Forward PE 13.04 | Enterprise Value 5388767512 | Price to Sales(TTM) 2.71 |
Enterprise Value 5388767512 | Price to Sales(TTM) 2.71 | ||
Enterprise Value to Revenue 3.11 | Enterprise Value to EBITDA 11.12 | Shares Outstanding 103088006 | Shares Floating 101959192 |
Shares Outstanding 103088006 | Shares Floating 101959192 | ||
Percent Insiders 1.14 | Percent Institutions 101.21 |
Upturn AI SWOT
ACI Worldwide Inc
Company Overview
History and Background
ACI Worldwide Inc. was founded in 1975 as Applied Communications, Inc. It initially focused on developing software for the financial services industry. Over the decades, ACI has undergone significant evolution, expanding its product suite to encompass a broad range of payment solutions, from real-time transaction processing to digital payment enablement. Key milestones include its IPO in 1999 and a series of strategic acquisitions to bolster its capabilities in areas like fraud detection and merchant payments. ACI has transformed from a niche software provider to a global leader in payment systems.
Core Business Areas
- Digital Payments: ACI provides a comprehensive suite of solutions for digital payments, enabling businesses to accept, process, and manage various payment types across multiple channels. This includes solutions for online, mobile, and in-app payments, as well as real-time payment processing.
- Digital Banking: This segment focuses on solutions that support digital banking transformation, offering platforms for account opening, customer onboarding, and transaction origination. It aims to enhance customer engagement and operational efficiency for financial institutions.
- Fraud and Risk Management: ACI offers advanced fraud detection and prevention solutions to protect businesses and consumers from fraudulent activities. This includes real-time monitoring, anomaly detection, and machine learning-based risk assessment tools.
- Merchant Payments: ACI provides solutions for merchants to manage their payment acceptance processes, including point-of-sale solutions, online payment gateways, and fraud prevention for e-commerce.
Leadership and Structure
ACI Worldwide Inc. is led by a seasoned executive team. Key figures typically include a Chief Executive Officer (CEO), Chief Financial Officer (CFO), and heads of various business units and regions. The company operates with a global structure, organized around its core product lines and geographic markets.
Top Products and Market Share
Key Offerings
- ACI Low Value Real-Time Payments: A platform that facilitates real-time payment processing for low-value transactions, enabling instant fund transfers. Competitors include FIS, Fiserv, and various fintech solutions focused on real-time payments.
- ACI Omni-Commerce: A unified payments platform designed to manage all aspects of payment acceptance across various channels, including online, mobile, and in-store. Competitors include Adyen, Stripe, and Square.
- ACI UP Payments Risk Management: A comprehensive suite of fraud and risk management tools that leverage real-time analytics and machine learning to detect and prevent fraudulent transactions. Competitors include NICE Actimize, FICO, and LexisNexis Risk Solutions.
- ACI Universal Online Banker: A digital banking platform that provides a comprehensive suite of online and mobile banking services for retail and business customers. Competitors include Temenos, NCR, and various core banking providers.
Market Dynamics
Industry Overview
ACI Worldwide operates in the rapidly evolving payments and financial technology (FinTech) industry. Key trends include the increasing adoption of digital and real-time payments, the rise of mobile commerce, growing concerns around cybersecurity and fraud, and the demand for seamless customer experiences. Regulatory changes and the increasing competition from both established players and agile fintech startups are also significant factors.
Positioning
ACI Worldwide is positioned as a leading provider of comprehensive payment solutions for financial institutions and large enterprises. Its strengths lie in its extensive experience, robust technology infrastructure, and ability to handle high volumes of transactions in real-time. The company leverages its deep understanding of the financial ecosystem to offer end-to-end payment processing, fraud management, and digital banking services. Its competitive advantages include its global reach, scalability, and a broad portfolio of integrated solutions.
Total Addressable Market (TAM)
The total addressable market for ACI Worldwide's services, encompassing digital payments, digital banking, and fraud management, is substantial and growing. Industry analysts estimate the global digital payments market alone to be worth trillions of dollars and expected to continue expanding at a significant compound annual growth rate (CAGR). ACI Worldwide is positioned to capture a meaningful portion of this TAM through its broad offering and established client base, particularly within the enterprise and financial institution segments.
Upturn SWOT Analysis
Strengths
- Global presence and established customer base.
- Comprehensive suite of integrated payment solutions.
- Strong expertise in real-time payment processing.
- Robust fraud detection and risk management capabilities.
- Long-standing relationships with major financial institutions.
Weaknesses
- Perceived complexity of some solutions.
- Reliance on large enterprise clients, which can have long sales cycles.
- Competition from more agile fintech startups.
- Potential for integration challenges with legacy systems.
Opportunities
- Growing demand for real-time payment solutions globally.
- Expansion into emerging markets.
- Increased focus on embedded finance and payment orchestration.
- Leveraging AI and machine learning for enhanced fraud prevention and personalized services.
- Strategic partnerships and acquisitions to expand capabilities.
Threats
- Intensifying competition from established players and fintech innovators.
- Rapidly changing regulatory landscape.
- Cybersecurity threats and data breaches.
- Economic downturns impacting client spending.
- Technological disruption and the emergence of new payment methods.
Competitors and Market Share
Key Competitors
- Fiserv Inc. (FISV)
- Fidelity National Information Services, Inc. (FIS)
- Jack Henry & Associates Inc. (JKHY)
- Adyen N.V. (ADYEN)
- Stripe, Inc. (Private)
Competitive Landscape
ACI Worldwide faces a highly competitive landscape. Its advantages lie in its deep expertise in complex payment systems, its ability to handle large-scale, real-time transactions, and its established relationships with major financial institutions. However, it faces challenges from nimbler fintech companies that may offer more streamlined user experiences or specialized solutions. The company needs to continuously innovate and adapt to evolving payment technologies and customer demands to maintain its competitive edge. Its ability to integrate new technologies and provide comprehensive, end-to-end solutions is a key differentiator.
Major Acquisitions
Pay.UK
- Year: 2022
- Acquisition Price (USD millions):
- Strategic Rationale: While not a direct acquisition, ACI has been a key technology partner for Pay.UK, the operator of the UK's retail payment systems. This partnership highlights ACI's role in critical national payment infrastructures and its ability to provide the technology for large-scale, real-time payment initiatives.
Vesta
- Year: 2023
- Acquisition Price (USD millions): 200
- Strategic Rationale: The acquisition of Vesta, a provider of real-time payment and fraud prevention solutions, significantly enhances ACI's fraud management capabilities and expands its real-time payment offerings, particularly in North America and Latin America.
Growth Trajectory and Initiatives
Historical Growth: ACI Worldwide has experienced consistent historical growth, largely driven by its expanding product portfolio and strategic acquisitions. The shift towards digital payments and real-time transactions has provided a tailwind for its core businesses. Growth has been characterized by a steady increase in recurring revenue and an expansion of its client base across the financial services and retail sectors.
Future Projections: Future growth for ACI Worldwide is projected to be supported by the continued global adoption of digital and real-time payments, the increasing demand for sophisticated fraud prevention, and the digital transformation of banking services. Analyst estimates typically forecast continued revenue growth, driven by new product rollouts, geographic expansion, and cross-selling opportunities within its existing client base. Focus on cloud-native solutions and API-driven services is expected to fuel further expansion.
Recent Initiatives: Recent strategic initiatives by ACI Worldwide have included a strong focus on expanding its real-time payments capabilities, enhancing its cloud-native offerings, and investing in AI and machine learning to bolster its fraud and risk management solutions. The company has also been active in forming strategic partnerships to broaden its reach and integration capabilities within the payments ecosystem.
Summary
ACI Worldwide Inc. is a strong player in the global payments technology sector, benefiting from the increasing demand for digital and real-time payment solutions. Its comprehensive product suite, robust infrastructure, and established client relationships are significant strengths. The company is well-positioned to capitalize on the ongoing digital transformation in finance. However, it must navigate intense competition from both established players and agile fintech firms, while continuously adapting to rapid technological changes and regulatory shifts to maintain its growth trajectory.
Similar Stocks
Sources and Disclaimers
Data Sources:
- ACI Worldwide Inc. Investor Relations
- SEC Filings (10-K, 10-Q)
- Industry Research Reports (e.g., Gartner, Forrester)
- Financial News Outlets (e.g., Bloomberg, Reuters)
Disclaimers:
This analysis is based on publicly available information and is for informational purposes only. It does not constitute investment advice. Financial data and market share estimates are subject to change and may vary across different sources. Investors should conduct their own due diligence before making any investment decisions.
AI Summarization is directionally correct and might not be accurate.
Summarized information shown could be a few years old and not current.
Fundamental Rating based on AI could be based on old data.
AI-generated summaries may have inaccuracies (hallucinations). Please verify the information before taking action.
About ACI Worldwide Inc
Exchange NASDAQ | Headquaters Elkhorn, NE, United States | ||
IPO Launch date 1995-02-23 | CEO, President & Director Mr. Thomas Woodrow Warsop III | ||
Sector Technology | Industry Software - Infrastructure | Full time employees 3103 | Website https://www.aciworldwide.com |
Full time employees 3103 | Website https://www.aciworldwide.com | ||
ACI Worldwide, Inc. develops, markets, installs, and supports software products and services for facilitating electronic payments in the United States and internationally. It operates through Banks, Merchants, and Billers segments. The company offers ACI Acquiring, a solution to process credit, debit, and prepaid card transactions, deliver digital innovation, enhance fraud prevention, and reduce interchange fees; ACI Issuing, a digital payment issuing solution; and ACI Enterprise Payments Platform to provide payment players payment processing and orchestration for digital payments. It also provides account-to-account payments to support processing for banks and intermediaries, as well as regulatory compliance. In addition, the company offers ACI Payments Orchestration Platform, an omnichannel payments platform that orchestrates and optimizes payments; ACI Fraud Management for merchants, billers, and financial institutions, as well as ACI Fraud Scoring Services with artificial and human insights with data intelligence; and ACI Speedpay, an integrated suite of digital billing, payment, disbursement, and communication services. 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 as distributes or acts as a sales agent for software developed by third parties. The company 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.
Note: This website is maintained by Upturn Corporation, which is an investment adviser registered with the U.S. Securities and Exchange Commission. Such registration does not imply a certain level of skill or training. Investing in securities has risks. Past performance is no guarantee of future returns. No assurance is provided as to any particular investment return, and you may lose money using our services. You are strongly advised to consult appropriate counsel before making any investments in companies you learn about through our services. You should obtain appropriate legal, tax, investment, accounting, and other advice that takes into account your investment portfolio and overall financial situation. You are solely responsible for conducting due diligence on a potential investment. We do not affect trades for you. You will select your own broker through which to transact. Investments are not FDIC insured, they are not guaranteed, and they may lose value. Please see the Privacy Policy, Terms of Use, and Disclosure for more information.