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ACI Worldwide Inc(ACIW)
Today’s top pick 
Advisory History & Simulated Performance *
*as per simulation (see disclosures)- ALL
- 1Y
- 1M
- 1W
- BUY Advisory
- SELL Advisory (Profit)
- SELL Advisory (Loss)
- Profit
- Loss
- PASS (Skip)
Stock price based on last close Advisory Performance History (Simulated)
Upturn Advisory & Investor View for ACIW
10/28/2026: ACIW (4-star) is a STRONG-BUY. BUY for 6 days. Simulated Profits (2.49%). Updated daily EoD!
ACI Worldwide is a well-established provider of mission-critical payment software for banks and merchants, known for its deep integration into global financial infrastructure. The company is currently executing a multi-year shift toward cloud-native SaaS models, which serves as its primary growth opportunity as institutions modernize their payment rails. While ACI holds a leading position in high-volume processing, it faces intense competition from fintech innovators and established incumbents. Investors should monitor the progress of its cloud transition, as execution risks remain high. The stock may suit value-oriented investors seeking exposure to fintech, though it offers little in terms of dividend income.
How to Read the Upturn Advisory
The Upturn Star Rating and the current BUY, SELL, or PASS advisory are generated by Upturn’s AI advisory engine based on proprietary signal analysis, price behavior, advisory history, and historical signal performance.
Company fundamentals, valuation, risks, and news provide supporting context about the business.
Investor Fit
| Investor style | Fit | Why |
|---|---|---|
| Growth investor | Mixed fit | The company offers exposure to secular growth in digital payments but exhibits more moderate growth characteristics than younger fintech peers. |
| Momentum investor | Mixed fit | Momentum potential is conditional on the successful execution of the cloud-first transition and consistent earnings beats. |
| Value investor | Strong fit | ACI is often viewed as a mature, reasonably valued player in the software infrastructure space. |
| Dividend investor | Weak fit | The company does not prioritize regular cash dividends, preferring share buybacks for return of capital. |
| Low-risk investor | Mixed fit | While the business model is recurring and stable, it faces significant technological and competitive disruption risks. |
Risk Profile
| Risk factor | Level | Why it matters |
|---|---|---|
| Price volatility | Medium | The stock can experience swings based on broader tech sector sentiment and fintech growth narratives. |
| Valuation risk | Medium | Market expectations for SaaS transition speed could lead to multiple contraction if growth targets are missed. |
| Competition risk | High | Intense pressure from cloud-native platforms and core banking providers threatens market share. |
| Business quality | Medium / high | ACI holds a strong market position with sticky, long-term enterprise contracts. |
| Dividend income | Low / none | Investors should not expect income generation from this equity. |
| Execution risk | Medium / high | Successfully transitioning legacy clients to modern cloud architectures is complex and capital-intensive. |
Price Behavior
Strong Uptrend
The stock has maintained a strong upward price trend across the last three quarters.
Moderately Choppy
The stock has experienced noticeable price swings while retaining some directional structure.
Analysis of Past Performance
Type Stock | Historic Profit 89.96% | Avg. Invested days 53 | Today’s Advisory Strong Buy |
Upturn Advisory Rating  | Upturn Advisory Performance  3.0 | Stock Returns Performance  4.0 |
| Profits based on simulation | Last Close 10/28/2026 |
Upturn Scorecard
Upturn Star Rating 
Company Fundamentals
Financial Health Rating
Growth Momentum Score
Ownership
Top 5 Institutional Investors
Unit Economics (Per $1K Revenue)
Economic Dimensions
Quantitative Style Profile
Style Classification
Quality Focused
Key Highlights
Company Size Mid-Cap Stock | Market Capitalization 5.52B USD | Price to earnings Ratio 24.96 | 1Y Target Price 64.5 |
Price to earnings Ratio 24.96 | 1Y Target Price 64.5 | ||
Volume (30-day avg) 763.5K shares | Beta 0.99 | 52 Weeks Range 38.05 - 61.08 | Updated Date 10/28/2026 |
52 Weeks Range 38.05 - 61.08 | Updated Date 10/28/2026 | ||
Dividends yield (FY) - | Basic EPS (TTM) 2.19 |
How Company Makes Money
| Business area | What it includes | Retail investor read |
|---|---|---|
| Software Licensing & Maintenance | Upfront license fees and recurring annual support contracts for on-premise software. | This is the stable, high-margin foundation of the company, though it is transitioning toward recurring subscription models. |
| SaaS and Payment Services | Transaction-based fees and subscription revenue from cloud-based platforms and gateways. | This represents the primary future growth engine and the focus of the company's cloud-native strategy. |
| Geography: Americas/EMEA/APAC | Diverse regional revenue streams with significant exposure to major global financial hubs. | Regional diversification provides a hedge, but requires navigating complex, localized regulatory environments. |
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 2026-11-05 | When Before Market | Estimate 0.5 | Actual - |
Profitability
Profit Margin 12.4% | Operating Margin (TTM) 10.47% |
Management Effectiveness
Return on Assets (TTM) 6.98% | Return on Equity (TTM) 15.62% |
Valuation
Trailing PE 24.96 | Forward PE 14.01 | Enterprise Value 6.31B | Price to Sales(TTM) 3.03 |
Enterprise Value 6.31B | Price to Sales(TTM) 3.03 | ||
Enterprise Value to Revenue 3.47 | Enterprise Value to EBITDA 13.51 | Shares Outstanding 100.96M | Shares Floating 99.62M |
Shares Outstanding 100.96M | Shares Floating 99.62M | ||
Percent Insiders 1.24 | Percent Institutions 105.12 |
Financial Metrics
🧭 Investment Snapshot
Total Revenue (Scale)
Total money earned from selling products or services before any costs. It is needed to understand the scale of the business and its ability to generate income.
Net Income (Profit)
Final profit after all expenses, interest, and taxes are deducted. It is needed to determine the overall profitability available to shareholders.
Free Cash Flow (Cash Strength)
Cash remaining after operating activities and capital expenditures, showing cash available for growth. It is needed to evaluate the company’s ability to invest, pay dividends, or reduce debt.
📈 Growth & Strength
Operating Income (Core Profit)
Profit from core operations after deducting all operating expenses. It is needed to measure how efficiently the company runs its primary business activities.
EBITDA (Cash Earnings)
Earnings before interest, taxes, depreciation, and amortization, indicating operating cash potential. It is needed to compare operating performance across companies without accounting or financing differences.
Gross Profit (Unit Profitability)
Revenue minus cost of revenue, showing profit after direct production costs. It is needed to evaluate core business profitability before overhead expenses.
🛡️ Financial Safety
Cash (Liquidity Buffer)
Total cash and cash equivalents on hand. It is needed to evaluate immediate liquidity and financial flexibility.
Total Debt (Leverage Risk)
Total debt including both short-term and long-term components. It is needed to assess the company’s leverage and financial risk.
Net Working Capital (Short-Term Health)
Current assets minus current liabilities, indicating short-term liquidity strength. It is needed to assess whether the company can meet its short-term obligations.
🧱 Balance Sheet Strength
Stockholder Equity (Net Worth)
Total equity value held by shareholders. It is needed to understand the net worth of the company from the owners’ perspective.
Total Assets (Asset Base)
The full value of everything the company owns, including cash, inventory, equipment, and investments. It is needed to understand the resource base used to generate revenue.
Income Before Tax (Pre-Tax Earnings)
Income before provision for income taxes. It is needed to analyze profitability independent of tax structures.
⚙️ Cost & Drag Factors
Cost of Revenue (Production Cost)
Direct costs required to produce and deliver the products or services sold. It is needed to assess efficiency in production and service delivery.
Total Operating Expenses (Operating Cost)
Indirect costs of running the business such as salaries, marketing, and administration. It is needed to understand how much it costs to sustain ongoing business operations.
Income Tax Expense (Tax Drag)
Amount of taxes paid or payable to the government. It is needed to evaluate the impact of taxation on overall profitability.
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