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
12/05/2025: 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 12/05/2025 |
Key Highlights
Company Size Mid-Cap Stock | Market Capitalization 4.74B USD | Price to earnings Ratio 18.59 | 1Y Target Price 64.6 |
Price to earnings Ratio 18.59 | 1Y Target Price 64.6 | ||
Volume (30-day avg) 7 | Beta 1.09 | 52 Weeks Range 40.45 - 58.14 | Updated Date 12/7/2025 |
52 Weeks Range 40.45 - 58.14 | Updated Date 12/7/2025 | ||
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 18.59 | Forward PE 13.28 | Enterprise Value 5478454078 | Price to Sales(TTM) 2.74 |
Enterprise Value 5478454078 | Price to Sales(TTM) 2.74 | ||
Enterprise Value to Revenue 3.16 | Enterprise Value to EBITDA 11.3 | Shares Outstanding 103088006 | Shares Floating 101966408 |
Shares Outstanding 103088006 | Shares Floating 101966408 | ||
Percent Insiders 1.14 | Percent Institutions 101.2 |
Upturn AI SWOT
ACI Worldwide Inc
Company Overview
History and Background
ACI Worldwide Inc. was founded in 1975. It has evolved from a provider of mainframe transaction processing software to a global leader in real-time payment solutions. Key milestones include its IPO in 1997, significant acquisitions to expand its capabilities, and a strategic pivot towards digital payments and open banking.
Core Business Areas
- Digital Payments: Offers a suite of solutions for managing and processing a wide range of digital payment types, including card payments, mobile payments, and online transfers, serving financial institutions and merchants.
- Money Movement Solutions: Provides platforms for domestic and cross-border payments, real-time payments, and ACH processing, enabling businesses and consumers to move money efficiently.
- Risk and Compliance: Delivers solutions for fraud detection, payment security, and regulatory compliance, helping clients mitigate risks associated with payment transactions.
Leadership and Structure
ACI Worldwide operates with a senior executive team led by a CEO, CFO, and other functional heads. The company is structured into business units focused on its core product and service offerings, serving global markets.
Top Products and Market Share
Key Offerings
- ACI Low Value Real-Time Payments: A platform enabling financial institutions to offer real-time payment services for low-value transactions. Competitors include Finastra, FIS, and IBM.
- ACI UP Transaction Gateway: A core payment gateway that supports a broad spectrum of payment types and channels, facilitating secure and efficient transaction processing. Competitors include VeriFone, Ingenico, and Adyen.
- ACI UP Merchant Payments: A comprehensive solution for merchants to manage their payment acceptance across various channels, including online, mobile, and in-store. Competitors include Square, Stripe, and PayPal.
Market Dynamics
Industry Overview
The payments industry is characterized by rapid digital transformation, increasing demand for real-time transactions, and the rise of new payment methods and technologies like open banking and cryptocurrencies. Regulatory changes and a focus on data security are also significant drivers.
Positioning
ACI Worldwide is positioned as a leading provider of real-time payment solutions and digital payment processing for financial institutions and corporations. Its strengths lie in its established customer base, comprehensive product suite, and expertise in complex payment environments.
Total Addressable Market (TAM)
The global payments market is valued in the trillions of dollars and continues to grow significantly due to digitalization. ACI Worldwide targets a substantial portion of this market through its various payment processing and software solutions.
Upturn SWOT Analysis
Strengths
- Strong existing relationships with major financial institutions.
- Comprehensive suite of payment processing solutions.
- Expertise in real-time payments and complex payment environments.
- Global presence and established customer base.
Weaknesses
- Dependency on legacy systems and potential for slower innovation.
- Competition from agile fintech startups.
- Challenges in integrating acquired technologies.
- Potential for pricing pressure in a competitive market.
Opportunities
- Growing global demand for real-time payments.
- Expansion into emerging markets.
- Leveraging open banking for new service development.
- Acquisitions to enhance technological capabilities.
Threats
- Intensifying competition from established players and new entrants.
- Evolving regulatory landscape impacting payment processing.
- Cybersecurity threats and data breaches.
- Disruption from new payment technologies.
Competitors and Market Share
Key Competitors
- Fiserv Inc. (FI)
- Fidelity National Information Services, Inc. (FIS)
- Global Payments Inc. (GPN)
- Adyen N.V. (ADYEY)
- Paysafe Limited (PSFE)
Competitive Landscape
ACI Worldwide benefits from its specialization in real-time payments and its strong existing client base. However, it faces intense competition from larger, diversified payment processors and nimble fintechs that are often quicker to adopt new technologies.
Growth Trajectory and Initiatives
Historical Growth: ACI Worldwide has experienced revenue growth driven by its strategic acquisitions and the increasing adoption of its payment solutions by financial institutions and corporations.
Future Projections: Analyst projections typically focus on continued growth in the digital payments and real-time payments sectors, driven by market trends and the company's strategic initiatives. Specific projections would require current analyst reports.
Recent Initiatives: Recent initiatives have likely included the enhancement of its real-time payment capabilities, expansion of its digital payments offerings, and strategic partnerships to broaden market reach.
Summary
ACI Worldwide is a significant player in the real-time payments and digital payments sector, leveraging its established infrastructure and client relationships. Its core strengths lie in its comprehensive solutions and expertise. However, it faces intense competition and the need to continuously innovate to keep pace with rapid technological advancements and agile startups. Strategic acquisitions and a focus on expanding its real-time payment offerings are key to its continued success.
Similar Stocks
Sources and Disclaimers
Data Sources:
- Company SEC Filings (10-K, 10-Q)
- Financial News and Analysis Websites (e.g., Bloomberg, Refinitiv, Yahoo Finance)
- Industry Research Reports
Disclaimers:
This analysis is based on publicly available information and is for informational purposes only. It does not constitute financial advice. Market share data is an estimation and may vary depending on the source and methodology. Financial performance metrics require up-to-date financial statements for accuracy.
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.