ACI Worldwide, Inc. (ACIW)
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No price history available.
Key financial summary
Financials in USD| 2020 | 2021 | 2022 | 2023 | 2024 | 2025 | TTM | 2026E | ||
|---|---|---|---|---|---|---|---|---|---|
| Total revenue | $m | 1,294 | 1,371 | 1,422 | 1,453 | 1,594 | 1,760 | 1,820 | 1,905 |
| Operating profit | $m | 330 | 339 | ||||||
| Net profit | $m | 73 | 128 | 142 | 122 | 203 | 227 | 226 | 271 |
| EPS reported | $ | 2.16 | 2.18 | ||||||
| Operating cashflow per share | $ | 3.11 | 3.88 | ||||||
| Capex per share | $ | 0.12 | 0.39 | ||||||
| FCF per share | $ | 2.98 | 3.49 | ||||||
| Free cash flow | $m | 310 | 355 | ||||||
| Net debt | $m | 653 | 664 | ||||||
| Book value equity | $m | 1,519 | 1,497 | ||||||
| Book value per share | $ | 14.49 | 14.72 | ||||||
| Number of shares | m | 104.81 | 101.68 | ||||||
| DPS (TTM paid) | $ | 0.00 | 0.00 |
Financial summary
Financials in USD| 2020 | 2021 | 2022 | 2023 | 2024 | 2025 | TTM | 2026E | ||
|---|---|---|---|---|---|---|---|---|---|
| Value | |||||||||
| P/E TTM | x | 22.13 | 22.71 | ||||||
| P/B LTM | x | 3.27 | 3.32 | ||||||
| P/S LTM | x | 2.82 | 2.73 | ||||||
| P/FCF LTM | x | 16.04 | 14.01 | ||||||
| EV/EBITDA LTM | x | 11.98 | 12.15 | ||||||
| EV/Sales LTM | x | 3.21 | 3.33 | ||||||
| Earnings Yield LTM | % | +4.52% | +4.40% | ||||||
| FCF Yield | % | +6.24% | +7.14% | ||||||
| Quality | |||||||||
| ROE | % | +14.92% | +15.06% | ||||||
| ROIC | % | +9.96% | +10.30% | ||||||
| Operating margin | % | +18.75% | +18.61% | ||||||
| Gross margin | % | +48.99% | +49.08% | ||||||
| FCF/Sales | % | +17.61% | +19.48% | ||||||
| Growth and momentum | |||||||||
| EPS Growth YoY | % | +13.09% | +14.14% | ||||||
| Sales Growth YoY | % | +10.38% | +14.17% | ||||||
| Net Income Growth YoY | % | +11.59% | +11.11% | ||||||
| FCF Growth | % | -9.73% | +3.29% | ||||||
| Operating Profit Growth | % | +7.07% | +9.91% | ||||||
| Dividend and capital structure | |||||||||
| Dividend Yield | % | 0.00% | 0.00% | ||||||
| Dividend Growth | % | - | - | ||||||
| Payout Ratio | % | 0.00% | 0.00% | ||||||
| FCF/Debt | x | 0.36 | 0.42 | ||||||
| Net Debt/EBITDA | x | 1.43 | 1.47 | ||||||
| EBIT/Net interest | x | 5.70 | 6.41 | ||||||
| Net debt/market cap | % | +17.08% | +15.27% | ||||||
| Net debt/Equity | x | 0.43 | 0.44 | ||||||
| Gross debt/equity | x | 0.57 | 0.57 | ||||||
Price target estimates
Based on consensus from external analysts. Not Kvantra's opinion.
Ratings
Based on consensus from external analysts. Not Kvantra's opinion.
ESG
| Metric | 2024 | 2025 | 2026 |
|---|---|---|---|
| ESG-score | |||
| Environmental score | |||
| Social score | |||
| Governance score | |||
| Risk rating |
Company overview
ACI Worldwide, Inc. operates as a global software enterprise, specializing in the development, distribution, implementation, and ongoing support of digital payment solutions. These sophisticated offerings cater to the diverse needs of banks, merchants, and billing organizations worldwide. The company boasts an extensive portfolio of specialized platforms, which includes: ACI Acquiring: A merchant management system engineered to foster digital innovation, bolster fraud prevention, and help reduce interchange fees. ACI Issuing: A robust solution for the digital issuance of payments. ACI Enterprise Payments Platform: Delivers advanced capabilities for the processing and orchestration of digital payments. Real-Time Payments Solutions: This category features ACI Low Value Real-Time Payments for standard real-time transactions, and ACI High Value Real-Time Payments, a powerful engine supporting multi-bank, multi-currency, 24/7 payment processing, complete with SWIFT messaging integration. ACI Omni Commerce: A scalable platform designed for comprehensive omni-channel payment processing. ACI Secure eCommerce: A dedicated solution ensuring the security of online transactions. ACI Fraud Management: Employs a real-time methodology for effective fraud detection and prevention. ACI Digital Business Banking: A cloud-based platform offering modern digital banking services. ACI Speedpay: An integrated suite providing digital billing, payment, disbursement, and communication services. Beyond its core software products, ACI Worldwide provides electronic bill presentment and payment services to a broad array of sectors, including consumer finance, insurance, healthcare, higher education, utilities, government, and mortgage. The company also offers essential support services such as implementation (encompassing product installation, configuration, and tailored software modifications), along with business and technical consulting, on-site assistance, product education, and comprehensive testing. Furthermore, ACI acts as a distributor and sales representative for third-party software products. All its solutions and services are marketed under the consistent ACI Worldwide brand. Initially known as Transaction Systems Architects, Inc., the company officially rebranded to ACI Worldwide, Inc. in July 2007. Founded in 1975, its operational headquarters are situated in Coral Gables, Florida.
Similar companies
For informational purposes only. Kvantra provides data and quantitative analysis, not investment advice. KvantraRank is a mechanical model output. Analyst price targets and ratings are sourced from third parties and are not Kvantra recommendations. Past performance does not guarantee future results; all investments carry risk.
No price history available.
Consensus from external analysts. Not Kvantra's opinion.
Based on consensus from external analysts. Not Kvantra's opinion.
ACI Worldwide, Inc. operates as a global software enterprise, specializing in the development, distribution, implementation, and ongoing support of digital payment solutions. These sophisticated offerings cater to the diverse needs of banks, merchants, and billing organizations worldwide. The company boasts an extensive portfolio of specialized platforms, which includes: ACI Acquiring: A merchant management system engineered to foster digital innovation, bolster fraud prevention, and help reduce interchange fees. ACI Issuing: A robust solution for the digital issuance of payments. ACI Enterprise Payments Platform: Delivers advanced capabilities for the processing and orchestration of digital payments. Real-Time Payments Solutions: This category features ACI Low Value Real-Time Payments for standard real-time transactions, and ACI High Value Real-Time Payments, a powerful engine supporting multi-bank, multi-currency, 24/7 payment processing, complete with SWIFT messaging integration. ACI Omni Commerce: A scalable platform designed for comprehensive omni-channel payment processing. ACI Secure eCommerce: A dedicated solution ensuring the security of online transactions. ACI Fraud Management: Employs a real-time methodology for effective fraud detection and prevention. ACI Digital Business Banking: A cloud-based platform offering modern digital banking services. ACI Speedpay: An integrated suite providing digital billing, payment, disbursement, and communication services. Beyond its core software products, ACI Worldwide provides electronic bill presentment and payment services to a broad array of sectors, including consumer finance, insurance, healthcare, higher education, utilities, government, and mortgage. The company also offers essential support services such as implementation (encompassing product installation, configuration, and tailored software modifications), along with business and technical consulting, on-site assistance, product education, and comprehensive testing. Furthermore, ACI acts as a distributor and sales representative for third-party software products. All its solutions and services are marketed under the consistent ACI Worldwide brand. Initially known as Transaction Systems Architects, Inc., the company officially rebranded to ACI Worldwide, Inc. in July 2007. Founded in 1975, its operational headquarters are situated in Coral Gables, Florida.
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