ACI Worldwide IncACIW
Price$48.88Intrinsic value$52.317% above price

Financial Snapshot

Revenue, profitability, returns, debt, and capital allocation

Revenue $1.8B+14.2% YoYTTM through 30 Jun 2026
Net Income $225.7M+11.1% YoYTTM through 30 Jun 2026
Free Cash Flow $311.4MTTM through 30 Jun 2026

Margins

Current
Gross Margin49.0%
EBITDA Margin23.9%
Operating Margin18.8%
Net Margin12.4%

Returns

15.1%ROE
7.3%ROA
10.5%ROIC

Balance Sheet Health

Debt / Equity0.56x
Current Ratio1.58x
Net Debt$621.1M
Cash & Equivalents$167.4M

Quality Metrics

Altman Z-Score3.83
Piotroski F-Score7 / 9
FCF Margin17.1%
Rule of 4021.7
Earnings-Beat Rate75.0%

Multi-Year Trend

Revenue
'19'20'21'22'23'24'25
FY2025: $1.8B
Diluted EPS$2.18TTM
'19'20'21'22'23'24'25
FY2025: $2.16

Dividend

No dividend

Capital Allocation

Capex Intensity1.0%

Segment Performance

SegmentRevenueYoYOutlook
Payment Software$942.1M+9.0%
Biller$817.7M+13.0%

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AI-assisted, source-linked narrative; figures from company filings (SEC EDGAR) and market data. Dates shown per section. Not investment advice. Terms of Use.