ACI Worldwide, Inc. (ACIW) Stock: Price, Forecast & Analyst Target
ACI Worldwide, Inc. (ACIW) — MoonshotScore 71/100 (Strong band), calculated Oct 4, 2026. Price $50.15 (+0.93%), as of the Oct 2, 2026 trading session; market cap $5.10B. Expected results Nov 5, 2026.
Educational signal · not a buy or sell recommendation · How to read this
Market value / cash and short-term investments: 30.47× (market value Oct 2, 2026; cash Jun 30, 2026) · expected results Nov 5, 2026
ACI Worldwide, Inc. · ACIW · NASDAQ · Technology · Software - Infrastructure
Research dated 2026-09-13: ACI Worldwide delivers payment processing software and bill payment services to banks, merchants, and billing organizations across the globe. The company's revenue has stabilized and lately risen, with operating results showing that the core software business can generate sustainable cash despite past periods of transition.
Price as of Oct 2, 2026
Key Statistics
MoonshotScore v2 · ACI Worldwide (ACIW)
StrongWhy this rating? Method, drivers & history
Bands for the MoonshotScore: Exceptional 80-100 · Strong 65-79 · Fair 45-64 · Weak below 45.
- Business Quality — Is this a genuinely good business?
- Financial Safety — Could this blow up on me?
- Valuation — Am I paying a fair price?
- Growth Durability — Is the growth real and likely to last?
- Momentum — Is the market already moving on this?
High quality and durable growth, at a cheap price, though the balance sheet is only decent. Business Quality: Solid; Financial Safety: Okay; Valuation: Fair; Growth Durability: Growing; Momentum: Rising.
- quarterly revenue $430M (Q2 FY2026, quarter ended Jun 2026)
- EPS beat 5 of 8
- Altman Z 3.91 · Piotroski F 9
Helping: business quality, an attractive price, durable growth
What has the MoonshotScore done over time?
| Recorded | Score | Band |
|---|---|---|
| 73 | Strong | |
| 74 | Strong | |
| 72 | Strong | |
| 72 | Strong | |
| 72 | Strong | |
| 72 | Strong |
The score was 71 in the stored Oct 3, 2026 snapshot and remains 71 in the current publication computed Oct 4, 2026 (0).
Calculation uses the most recent completed US trading session. Live price changes do not update the score immediately.
Computed · Educational signal · not a buy or sell recommendation · How the MoonshotScore is computed →
Price & valuation
| Measure | Value |
|---|---|
| Latest provided price | $50.15 |
| Change on the day | +0.93% |
| 52-week range | $38.05–$61.08 |
| Market capitalisation | $5.10B |
| Price / earnings (trailing) | 22.55 |
| Shares traded on the day | 576.7K |
| Beta (volatility vs the S&P 500) | 0.98 |
Price & events
Triangles mark reported quarters on the line: pointing up is above the recorded estimate, down is below, a diamond means no estimate on file or a dated event that is not a results report. Numbers key to the dated list. Point at or tab to any week for its close.
Events behind the price
- · Earnings results · below the recorded estimate
- · Earnings results · below the recorded estimate
- · Earnings call · management outlook
- · Earnings results · above the recorded estimate
- · Earnings results · above the recorded estimate
Results dates follow the earnings feed; call dates follow the transcript provider. Nearby dates do not establish that an event caused a price move.
Upcoming events
Management outlook
For the full year, we now expect revenue growth of 7% to 9% or $1.89 billion to $1.92 billion, up from our prior forecast.
Robert Leibrock · Statement from
For the second quarter, we expect revenue of $420 million to $440 million, representing approximately 7% growth at the midpoint.
Robert Leibrock · Statement from
Statement dates identify the earnings call, not a deadline. Management expectations and provider estimates can change.
Read management statementsCouncil Score · weighted blend of 2 available disciplines
Council score for ACI Worldwide (ACIW): Bullish Lean
66/100 · B+Council is a separate blend of available disciplines; MoonshotScore above remains the five-pillar research rating.
5-Factor Breakdown
Legends Council
6 lenses, 6 current
AI simulations built from the named investors' published principles. Not affiliated with, endorsed by, or the opinion of these individuals. How these lenses are built
Read on: Oct 4, 2026
Munger's Mindset
Balance Sheet & Valuation · historical
Read on: Sep 10, 2026 · older than the 27 hours refresh window; not a current reading
How to read these bars and different assessments
Council is a separate blend of available disciplines; MoonshotScore above remains the five-pillar research rating.
Bars show each model's ordered assessment on its own scale, not a probability or a comparable investment return. The adjacent words give the assessment; more filled segments indicate a stronger model reading.
On Sep 10, 2026, the Munger lens read the price at that time as fairly valued against its own estimate of value.
Readings on this page are from Oct 5, 2026, except a card that shows its own read date.
Watch the ACIW film — every key number, told as a short cinematic story
~2 min · open the film
What is ACI Worldwide (ACIW), and what does it report?
Short answer · as of
ACI Worldwide operates through software licensing, maintenance contracts, bill payment platforms, and merchant payment solutions.
Research dated 2026-09-13.
ACI Worldwide operates through software licensing, maintenance contracts, bill payment platforms, and merchant payment solutions. Licensing generates upfront revenue; maintenance recurs; bill payment and merchant processing are transaction-based, meaning volume fluctuations drive near-term earnings. The revenue mix has shifted: bill payments and acquiring/issuing solutions now account for the majority, replacing pure software. Gross margins reflect this mix—transaction-based businesses carry lower margins than software, but support multiple revenue streams reducing vendor lock-in risk. Cost structure is becoming more variable with scale, which supports margin expansion if volumes grow.
What do the latest results show for ACI Worldwide (ACIW)?
Short answer · as of
The most recent reported quarter, Q2 FY2026, carried revenue of $430M.
Research dated 2026-09-13.
Recent quarters show revenue growth with operating results accelerating, though earnings have proven volatile. The latest quarter revenue grew while operating results declined modestly, suggesting mix headwinds or operational friction. The prior quarter's results exceeded expectations significantly, indicating the company can deliver upside when execution aligns. Management has guided for full-year revenue growth and margin progression, suggesting confidence in underlying trends. The variability in quarterly results reflects sensitivity to payment volumes, client concentration, and integration of recent acquisitions. Near-term earnings depend on whether processing volumes continue growing and whether new clients ramp spending sufficiently to offset retention pressure.
Where is operating spending going?
Revenue alongside research and development, selling, general and administrative expenses, and the FMP standardized operating result.
- Latest quarter · revenue
- $430.42M Jun 30, 2026
- Latest quarter · R&D
- $47.90M Jun 30, 2026
- Latest quarter · SG&A
- $65.09M Jun 30, 2026
- Latest quarter · FMP standardized operating result
- $44.65M Jun 30, 2026
| Period end | Revenue | R&D | SG&A | FMP standardized operating result |
|---|---|---|---|---|
| Jun 30, 2026 | $430.42M | $47.90M | $65.09M | $44.65M |
| Mar 31, 2026 | $425.75M | $44.09M | $70.45M | $57.49M |
| Dec 31, 2025 | $481.60M | $44.96M | $76.80M | $108.83M |
| Sep 30, 2025 | $482.36M | $42.57M | $64.81M | $127.71M |
USD. The operating result is the FMP-standardized value supplied by FMP; it may differ from a filing’s GAAP loss from operations when the provider classifies separately presented items differently. It is not net income or cash flow.
Did results meet expectations?
Reported earnings and revenue alongside the estimates recorded by the provider.
- Latest report · revenue
- $430.42M Aug 6, 2026
- Latest report · revenue estimate
- $430.60M Aug 6, 2026
- Latest report · revenue vs estimate
- Below estimate Aug 6, 2026
- Latest report · EPS vs estimate
- Above estimate Aug 6, 2026
| Report date | Revenue · reported | Revenue · estimate | EPS · reported | EPS · estimate |
|---|---|---|---|---|
| Aug 6, 2026 | $430.42M | $430.60M | $0.3100 | $0.2950 |
| May 7, 2026 | $425.75M | $410.08M | $0.3800 | $0.2900 |
| Feb 26, 2026 | $481.60M | $464.64M | $0.6300 | $0.8000 |
| Nov 6, 2025 | $482.36M | $465.30M | $0.8800 | $0.9900 |
Dates are report dates, not fiscal period ends. Revenue is in USD; EPS is USD per share, rounded to four decimals. The earnings feed does not establish a basic, diluted or adjusted basis. Earnings-feed EPS may differ from statement EPS; the two series are not combined.
Quarterly income statement — 4 quarters
| Period | Revenue | Net income | EPS |
|---|---|---|---|
| Q2 FY2026 | $430M | $32M | $0.31 (diluted) |
| Q1 FY2026 | $426M | $38M | $0.37 (diluted) |
| Q4 FY2025 | $482M | $64M | $0.62 (diluted) |
| Q3 FY2025 | $482M | $91M | $0.88 (diluted) |
What are the financial strengths and risks for ACI Worldwide (ACIW)?
Short answer
Cash and short-term investments were $167.40M at the Jun 30, 2026 balance-sheet date. Operating cash flow was $135.04M for the quarter ended Jun 30, 2026, meaning operations generated cash. These figures do not establish a cash runway.
Research dated 2026-09-13.
The balance sheet shows manageable debt and adequate cash generation, though leverage is moderate. Operating cash flow remains positive despite working capital swings common in payment processing. The company carries more debt than peers in pure software, reflecting acquisitions and the capital intensity of payment infrastructure. Key risks include client concentration—loss of major payment processors or enterprise clients would materially impact volumes—and competitive pressure from specialized point-solution vendors who undercut on price. Margin sustainability depends on continued software cost discipline while scaling transaction volumes. The company is dependent on maintaining technology relevance as payment rails evolve and open banking disrupts traditional acquiring.
How much cash does the business generate or use?
Quarterly operating cash flow shows cash generated or used by operations.
- Latest quarter · operating cash flow
- $135.04M Jun 30, 2026
- Previous quarter · operating cash flow
- $64.25M Mar 31, 2026
| Period end | Operating cash flow | Capital expenditure (reported) |
|---|---|---|
| Jun 30, 2026 | $135.04M | −$9.85M |
| Mar 31, 2026 | $64.25M | −$14.51M |
| Dec 31, 2025 | $121.78M | −$5.18M |
| Sep 30, 2025 | $73.04M | −$9.90M |
Operating cash-flow bars share one scale and show magnitude; negative values mean cash used.
USD. Negative operating cash flow means cash used. Capital expenditure keeps the provider’s reported sign; it is not added here to estimate free cash flow or runway.
What should you watch next at ACI Worldwide (ACIW)?
Short answer · as of
The next earnings report is expected on Nov 5, 2026.
Research dated 2026-09-13.
Watch quarterly results for payment processing volume trends and client retention metrics—management typically discloses client additions and retention rates. Monitor gross margin progression to see whether transaction mix and software pricing hold up against competition. Analyst estimates suggest modest earnings growth, but upside hinges on acceleration of bill payment adoption or winning larger enterprise clients. Capital allocation—whether management returns cash or invests in product modernization—signals confidence in competitive durability. Regulatory shifts affecting payment networks and open banking standards could disrupt or expand addressable market significantly over the coming years.
What management is planning
Management expectations, not completed milestones or guarantees. Selected verbatim excerpts; dates follow the transcript provider.
For the full year, we now expect revenue growth of 7% to 9% or $1.89 billion to $1.92 billion, up from our prior forecast.
Robert Leibrock ·
For the second quarter, we expect revenue of $420 million to $440 million, representing approximately 7% growth at the midpoint.
Robert Leibrock ·
We expect an approximate 40-60 revenue split between Q3 and Q4, consistent with historical patterns.
Robert Leibrock ·
And so we will start to see revenue come in this year, but we're not dependent on it.
Thomas Warsop ·
How does ACI Worldwide compare with its peers?
Short answer
ACI Worldwide's score ranks tied for 9th of 13 in the bounded comparison shown, against 12 same-model peers. These are company scores, not expected investment returns. The set lists named competitors first, then companies in the same data-provider industry classification closest in market value; that classification is the provider's, not our judgment of business similarity.
Research dated 2026-09-13.
ACI Worldwide differs from pure-play software platforms in its exposure to payment transaction volumes and client concentration. Software-only competitors avoid merchant client concentration but lack recurring transaction-based revenue. Larger payment processors (Stripe, Square) compete on some fronts but operate as platforms rather than infrastructure vendors. Regional acquiring platforms are less technology-advanced. ACI's competitive position rests on sustained technology investment and client switching costs, not on network scale like incumbent processors. This creates vulnerability if clients migrate to open banking or API-based solutions, but also opportunity if the company can be the orchestration layer for fragmented payment networks.
| Company | Price | Market value | Score |
|---|---|---|---|
| $21.77 Oct 2, 2026 | $4.58B | 95 5-pillar Oct 4, 2026 | |
| $9.55 Oct 2, 2026 | $2.32B | 93 5-pillar Oct 4, 2026 | |
| $193.00 Oct 2, 2026 | $6.80B | 93 5-pillar Oct 4, 2026 | |
| $13.74 Oct 2, 2026 | $4.03B | 88 5-pillar Oct 4, 2026 | |
| $13.12 Oct 2, 2026 | $6.98B | 81 5-pillar Oct 4, 2026 | |
| $34.49 Oct 2, 2026 | $4.78B | 79 5-pillar Oct 4, 2026 | |
| $58.12 Oct 2, 2026 | $6.25B | 75 5-pillar Oct 4, 2026 | |
| $9.30 Oct 2, 2026 | $5.45B | 74 5-pillar Oct 4, 2026 | |
| ACI Worldwide (ACIW) — this page | $50.15 | $5.10B | 71 |
| $33.90 Oct 2, 2026 | $8.63B | 71 5-pillar Oct 4, 2026 | |
| $112.46 Oct 2, 2026 | $4.39B | 67 5-pillar Oct 4, 2026 | |
| $15.71 Oct 2, 2026 | $4.70B | 67 5-pillar Oct 4, 2026 | |
| $36.85 Oct 2, 2026 | $4.06B | 63 5-pillar Oct 4, 2026 |
Only 5-pillar scores are ranked together. Other models are not directly comparable. Price and score dates are shown separately; market-value dates are unavailable.
The records behind this page
Analyst targets & estimates
What analysts have on file
- Price target, low to high
- $66.00 – $66.00
- Consensus target
- $66.00
- Median target
- $66.00
Consensus record · Captured .
Measured against a quoted price of $50.15 (as of Oct 2, 2026).
Insider activity
Form 4 records via FMP · Of the newest 100 records, those within the last 180 days, newest dated Sep 24, 2026
- Transactions
- 31
- Identified insiders
- 12
- Purchases
- 0
- Sales
- 0
- Other transactions
- 31
Purchases and sales use the reported transaction category. Other transactions include awards, exercises, gifts, withholding and unclassified activity; an acquisition or disposition alone is not a purchase or sale. These records do not establish intent.
Who holds the shares?
Institutional ownership reported through 13F filings.
- Reporting holders
- 381 Period end Jun 30, 2026
- Previous quarter · holders
- 385 Prior to period end Jun 30, 2026
| Holders in provider snapshot | Shares |
|---|---|
| Blackrock, INC. | 16,381,401 |
| Vanguard Portfolio Management LLC | 8,112,057 |
| Franklin Resources INC | 6,695,164 |
| Fmr LLC | 6,545,875 |
| Vanguard Capital Management LLC | 4,586,998 |
Quarterly filings lag the period end. Holder rows are names in the provider snapshot, not a verified ranking; individual filing dates are not supplied. Related managers may appear separately, so these positions are not summed. Holder snapshot as of Jun 30, 2026.
What has been published about ACI Worldwide (ACIW)?
Common Questions About ACIW (Technology)
Research dated 2026-09-13; the answers below are from that research, and the full attribution is under Sources. The last 2 questions are answered from this page's own dated data, not from the research.
Does ACI Worldwide depend on customer concentration risk?
Loss of a major payment processor client could materially compress volumes and revenue. The company does not disclose concentration levels, but earnings variability suggests exposure. Retention of current marquee customers is essential; new customer wins take time to ramp.
Can ACI Wholesale adjust pricing if volumes decline?
Software licenses and maintenance contracts have pricing flexibility; transaction-based bill payment has less. Clients are price-sensitive on transaction fees, so margin compression during volume downturns is likely. The company's ability to offset volume declines through pricing is limited without losing clients.
What could disrupt ACI's payment software business model?
Open banking regulations and API-driven payment orchestration could bypass traditional acquiring infrastructure, reducing ACI's relevance. Fintechs entering the space and building competing stacks pose a threat. Consolidation among payment processors could create larger in-house software capabilities.
Is ACI generating enough cash to sustain debt and dividends?
Operating cash flow has remained positive and growing, supporting both debt service and modest dividends. However, if earnings growth stalls, dividend sustainability could come under pressure. Free cash flow margin expansion is key to funding growth investments without additional leverage.
What is the ACIW stock price today?
The last price recorded on this page for ACI Worldwide, Inc. (ACIW) is $50.15, as of the Oct 2, 2026 trading session (source: Financial Modeling Prep (FMP) · quote). It is a provider snapshot, not a live exchange feed, so check a brokerage quote before you trade.
What is the ACIW price target?
The analyst consensus price target for ACI Worldwide, Inc. (ACIW) is $66.00 (range $66.00 to $66.00, median $66.00), per FMP data captured Oct 4, 2026. Targets are analyst opinions and change often; they are not a Stock Expert AI forecast.
Disclaimer: This content is for informational purposes only and does not constitute investment advice. Always do your own research and consult a financial advisor.
Research written by Claude (claude-haiku-4-5) on 2026-09-13. AI-authored analysis; source dates are shown with each answer. Editorial oversight is systemic, not page-by-page. Editorially accountable: Sedat ANAK, Founder and Editor-in-Chief.
Sources — records for every figure on this page (81 figures)
The 81 rows below are exactly the facts the evidence-backed sections of this page printed — the 10-second verdict, the MoonshotScore, price and market value, the five questions with their receipts, and the records behind this page. Known dates and sources are recorded on their own rows; an em dash or UNRECORDED tier preserves a stored observation without inventing either. The quarterly income statement is provider-standardized (FMP) under one row, and scale definitions — a 0-100 rating, the band ladder, the Piotroski 0–9 range — are fixed rather than measured. No number in those sections was generated by a model. The register does not cover quoted third-party headlines, the dated council readings, or the Frequently Asked Questions; each of those says where it came from where it stands.
"As of" is the date the value is true for where the source carries one — a quarter end, a filing date, a price close, the day the score was computed. A cached observation with no source date remains undated; the page publication date is not used as a substitute.
OFFICIAL — 2 facts from SEC filings and earnings calls
| Fact ID | Fact | Value as shown | As of | Tier | Source |
|---|---|---|---|---|---|
prod.outlook | Management outlook — call excerpts | Robert Leibrock (May 7, 2026): For the full year, we now expect revenue growth of 7% to 9% or $1.89 billion to $1.92 billion, up from our prior forecast. Robert Leibrock (May 7, 2026): For the second quarter, we expect revenue of $420 million to $440 million, representing approximately 7% growth at the midpoint. Robert Leibrock (May 7, 2026): We expect an approximate 40-60 revenue split between Q3 and Q4, consistent with historical patterns. Thomas Warsop (May 7, 2026): And so we will start to see revenue come in this year, but we're not dependent on it. | OFFICIAL | Company earnings call, transcript via Financial Modeling Prep (FMP) — Selected verbatim statements from the latest available call, dated by the transcript provider. Management expectations, not completed milestones or guarantees. Relative dates retain the speaker's wording. | |
id.hq | SEC filing business address | Elkhorn, NE | OFFICIAL | SEC EDGAR filer business address — The SEC filer business address. Our market-data provider separately lists "6060 Coventry Drive, Elkhorn, NE, 68022-6482, US". |
FMP — 72 facts from Financial Modeling Prep endpoint families
| Fact ID | Fact | Value as shown | As of | Tier | Source |
|---|---|---|---|---|---|
earn.next | Next earnings date | Nov 5, 2026 | FMP | Financial Modeling Prep (FMP) earnings calendar — The date is our provider's estimate until the company confirms it. | |
px.last | Latest provided price | $50.15 | FMP | Financial Modeling Prep (FMP) · quote — Dated to the US trading session the price belongs to, derived from the quote record's timestamp (weekend and pre-open reads roll back to the previous weekday; exchange holidays are not modelled). The record does not establish an exchange execution time. Retrieved 2026-10-04T14:44:25.015Z. | |
px.change | Change on the day | +0.93% | FMP | Financial Modeling Prep (FMP) · quote | |
px.mcap | Market capitalisation | $5.10B | FMP | Financial Modeling Prep (FMP) · quote — Date unknown Market cap record date: 2026-10-02. FMP quote timestamp: 2026-10-02T20:00:00.000Z. Captured from FMP at 2026-10-04T14:44:23.464Z. No share-count basis is inferred; this page preserves the reported amount instead of recalculating it from shares. | |
px.change_abs | Change on the day, in dollars | +$0.46 | FMP | Financial Modeling Prep (FMP) · quote | |
fin.q_revenue | Revenue, Q2 FY2026 | $430M | FMP | Financial Modeling Prep (FMP) · income statement (quarterly) | |
px.range52 | 52-week range | $38.05–$61.08 | FMP | Financial Modeling Prep (FMP) quote | |
px.pe | Price / earnings (trailing) | 22.55 | FMP | Financial Modeling Prep (FMP) · quote | |
px.volume | Shares traded on the day | 576.7K | FMP | Financial Modeling Prep (FMP) · quote | |
px.beta | Beta | 0.98 | FMP | Financial Modeling Prep (FMP) company profile | |
id.ceo | Chief executive | Thomas Woodrow Warsop | FMP | Financial Modeling Prep (FMP) key executives (proxy-derived) — Titles and pay come from the company's proxy statement as our provider parsed it. | |
id.employees | Employees | 2,930 | FMP | Financial Modeling Prep (FMP) employee count, from the company's filing | |
fin.annual | Revenue and net result by fiscal year | 5 fiscal years, FY2021 through FY2025: FY2021 revenue $1.37B, net result $127.79M; FY2022 revenue $1.42B, net result $142.18M; FY2023 revenue $1.45B, net result $121.51M; FY2024 revenue $1.59B, net result $203.12M; FY2025 revenue $1.76B, net result $226.66M | FMP | Financial Modeling Prep (FMP), from the company's 10-K income statements | |
fin.rev_mix | Reported revenue segments | License $461.50M · Maintenance $201.28M · Bill Payments $817.73M · Merchant Payments $170.67M · Issuing And Acquiring $579.83M | FMP | Financial Modeling Prep (FMP) revenue segmentation, from the company's 10-K | |
fin.gross_margin | Gross margin (trailing twelve months) | 49.1% | FMP | Financial Modeling Prep (FMP) key-metrics-ttm + ratios-ttm — A ratio our provider could not compute is absent rather than shown as zero. | |
fin.q_table.depth.2026-06-30.revenue_k | Revenue — period end 2026-06-30 | $430.42M | Period end · | FMP | Financial Modeling Prep (FMP), from the company's 10-Q and 10-K income statements — Quarterly statement note |
fin.q_table.depth.2026-06-30.rd_k | R&D — period end 2026-06-30 | $47.90M | Period end · | FMP | Financial Modeling Prep (FMP), from the company's 10-Q and 10-K income statements — Quarterly statement note |
fin.q_table.depth.2026-06-30.sga_k | SG&A — period end 2026-06-30 | $65.09M | Period end · | FMP | Financial Modeling Prep (FMP), from the company's 10-Q and 10-K income statements — Quarterly statement note |
fin.q_table.depth.2026-06-30.operating_result_k | FMP standardized operating result — period end 2026-06-30 | $44.65M | Period end · | FMP | Financial Modeling Prep (FMP), from the company's 10-Q and 10-K income statements — Quarterly statement note |
fin.q_table.depth.2026-03-31.revenue_k | Revenue — period end 2026-03-31 | $425.75M | Period end · | FMP | Financial Modeling Prep (FMP), from the company's 10-Q and 10-K income statements — Quarterly statement note |
fin.q_table.depth.2026-03-31.rd_k | R&D — period end 2026-03-31 | $44.09M | Period end · | FMP | Financial Modeling Prep (FMP), from the company's 10-Q and 10-K income statements — Quarterly statement note |
fin.q_table.depth.2026-03-31.sga_k | SG&A — period end 2026-03-31 | $70.45M | Period end · | FMP | Financial Modeling Prep (FMP), from the company's 10-Q and 10-K income statements — Quarterly statement note |
fin.q_table.depth.2026-03-31.operating_result_k | FMP standardized operating result — period end 2026-03-31 | $57.49M | Period end · | FMP | Financial Modeling Prep (FMP), from the company's 10-Q and 10-K income statements — Quarterly statement note |
fin.q_table.depth.2025-12-31.revenue_k | Revenue — period end 2025-12-31 | $481.60M | Period end · | FMP | Financial Modeling Prep (FMP), from the company's 10-Q and 10-K income statements — Quarterly statement note |
fin.q_table.depth.2025-12-31.rd_k | R&D — period end 2025-12-31 | $44.96M | Period end · | FMP | Financial Modeling Prep (FMP), from the company's 10-Q and 10-K income statements — Quarterly statement note |
fin.q_table.depth.2025-12-31.sga_k | SG&A — period end 2025-12-31 | $76.80M | Period end · | FMP | Financial Modeling Prep (FMP), from the company's 10-Q and 10-K income statements — Quarterly statement note |
fin.q_table.depth.2025-12-31.operating_result_k | FMP standardized operating result — period end 2025-12-31 | $108.83M | Period end · | FMP | Financial Modeling Prep (FMP), from the company's 10-Q and 10-K income statements — Quarterly statement note |
fin.q_table.depth.2025-09-30.revenue_k | Revenue — period end 2025-09-30 | $482.36M | Period end · | FMP | Financial Modeling Prep (FMP), from the company's 10-Q and 10-K income statements — Quarterly statement note |
fin.q_table.depth.2025-09-30.rd_k | R&D — period end 2025-09-30 | $42.57M | Period end · | FMP | Financial Modeling Prep (FMP), from the company's 10-Q and 10-K income statements — Quarterly statement note |
fin.q_table.depth.2025-09-30.sga_k | SG&A — period end 2025-09-30 | $64.81M | Period end · | FMP | Financial Modeling Prep (FMP), from the company's 10-Q and 10-K income statements — Quarterly statement note |
fin.q_table.depth.2025-09-30.operating_result_k | FMP standardized operating result — period end 2025-09-30 | $127.71M | Period end · | FMP | Financial Modeling Prep (FMP), from the company's 10-Q and 10-K income statements — Quarterly statement note |
earn.history.depth.2026-08-06.revenue_actual | Revenue · reported — report date 2026-08-06 | $430.42M | Report date · | FMP | Financial Modeling Prep (FMP) earnings — Earnings-history note |
earn.history.depth.2026-08-06.revenue_estimated | Revenue · estimate — report date 2026-08-06 | $430.60M | Report date · | FMP | Financial Modeling Prep (FMP) earnings — Earnings-history note |
earn.history.depth.2026-08-06.eps_actual | EPS · reported — report date 2026-08-06 | $0.3100 | Report date · | FMP | Financial Modeling Prep (FMP) earnings — Earnings-history note |
earn.history.depth.2026-08-06.eps_estimated | EPS · estimate — report date 2026-08-06 | $0.2950 | Report date · | FMP | Financial Modeling Prep (FMP) earnings — Earnings-history note |
earn.history.depth.2026-05-07.revenue_actual | Revenue · reported — report date 2026-05-07 | $425.75M | Report date · | FMP | Financial Modeling Prep (FMP) earnings — Earnings-history note |
earn.history.depth.2026-05-07.revenue_estimated | Revenue · estimate — report date 2026-05-07 | $410.08M | Report date · | FMP | Financial Modeling Prep (FMP) earnings — Earnings-history note |
earn.history.depth.2026-05-07.eps_actual | EPS · reported — report date 2026-05-07 | $0.3800 | Report date · | FMP | Financial Modeling Prep (FMP) earnings — Earnings-history note |
earn.history.depth.2026-05-07.eps_estimated | EPS · estimate — report date 2026-05-07 | $0.2900 | Report date · | FMP | Financial Modeling Prep (FMP) earnings — Earnings-history note |
earn.history.depth.2026-02-26.revenue_actual | Revenue · reported — report date 2026-02-26 | $481.60M | Report date · | FMP | Financial Modeling Prep (FMP) earnings — Earnings-history note |
earn.history.depth.2026-02-26.revenue_estimated | Revenue · estimate — report date 2026-02-26 | $464.64M | Report date · | FMP | Financial Modeling Prep (FMP) earnings — Earnings-history note |
earn.history.depth.2026-02-26.eps_actual | EPS · reported — report date 2026-02-26 | $0.6300 | Report date · | FMP | Financial Modeling Prep (FMP) earnings — Earnings-history note |
earn.history.depth.2026-02-26.eps_estimated | EPS · estimate — report date 2026-02-26 | $0.8000 | Report date · | FMP | Financial Modeling Prep (FMP) earnings — Earnings-history note |
earn.history.depth.2025-11-06.revenue_actual | Revenue · reported — report date 2025-11-06 | $482.36M | Report date · | FMP | Financial Modeling Prep (FMP) earnings — Earnings-history note |
earn.history.depth.2025-11-06.revenue_estimated | Revenue · estimate — report date 2025-11-06 | $465.30M | Report date · | FMP | Financial Modeling Prep (FMP) earnings — Earnings-history note |
earn.history.depth.2025-11-06.eps_actual | EPS · reported — report date 2025-11-06 | $0.8800 | Report date · | FMP | Financial Modeling Prep (FMP) earnings — Earnings-history note |
earn.history.depth.2025-11-06.eps_estimated | EPS · estimate — report date 2025-11-06 | $0.9900 | Report date · | FMP | Financial Modeling Prep (FMP) earnings — Earnings-history note |
fin.q_table | Quarterly income statement | 4 quarters through Q2 FY2026 | FMP | Financial Modeling Prep (FMP) · income statement (quarterly), as filed | |
fin.cash_investments | Cash and short-term investments | $167.40M | FMP | Financial Modeling Prep (FMP), from the company's balance sheet — Long-term investments are shown separately; their marketability is not established by the provider field. The cash and short-term investment balance does not establish unrestricted availability. Long-term investments are excluded and remain unclassified. Restrictions on cash and short-term investments require separate review. | |
fin.opcf_latest | Latest-quarter operating cash flow | $135.04M | FMP | Financial Modeling Prep (FMP), from the company's 10-Q cash-flow statements — Period end: 2026-06-30. Negative operating cash flow means cash used. This figure is not a cash-runway estimate. | |
fin.long_term_investments | Long-term investments (classification unverified) | $0.00 | FMP | Financial Modeling Prep (FMP), from the company's balance sheet — Long-term investments are shown separately; their marketability is not established by the provider field. The cash and short-term investment balance does not establish unrestricted availability. | |
fin.total_debt | Total debt | $849.46M | FMP | Financial Modeling Prep (FMP), from the company's balance sheet — Long-term investments are shown separately; their marketability is not established by the provider field. The cash and short-term investment balance does not establish unrestricted availability. | |
fin.price_to_book | Price to book value | 3.40× | FMP | Financial Modeling Prep (FMP) key-metrics-ttm + ratios-ttm — A ratio our provider could not compute is absent rather than shown as zero. | |
fin.opcf.depth.2026-06-30.operating_cash_flow_m | Operating cash flow — period end 2026-06-30 | $135.04M | Period end · | FMP | Financial Modeling Prep (FMP), from the company's 10-Q cash-flow statements — Cash-flow note |
fin.opcf.depth.2026-03-31.operating_cash_flow_m | Operating cash flow — period end 2026-03-31 | $64.25M | Period end · | FMP | Financial Modeling Prep (FMP), from the company's 10-Q cash-flow statements — Cash-flow note |
fin.opcf.depth.2026-06-30.capex_m | Capital expenditure (reported) — period end 2026-06-30 | −$9.85M | Period end · | FMP | Financial Modeling Prep (FMP), from the company's 10-Q cash-flow statements — Cash-flow note |
fin.opcf.depth.2026-03-31.capex_m | Capital expenditure (reported) — period end 2026-03-31 | −$14.51M | Period end · | FMP | Financial Modeling Prep (FMP), from the company's 10-Q cash-flow statements — Cash-flow note |
fin.opcf.depth.2025-12-31.operating_cash_flow_m | Operating cash flow — period end 2025-12-31 | $121.78M | Period end · | FMP | Financial Modeling Prep (FMP), from the company's 10-Q cash-flow statements — Cash-flow note |
fin.opcf.depth.2025-12-31.capex_m | Capital expenditure (reported) — period end 2025-12-31 | −$5.18M | Period end · | FMP | Financial Modeling Prep (FMP), from the company's 10-Q cash-flow statements — Cash-flow note |
fin.opcf.depth.2025-09-30.operating_cash_flow_m | Operating cash flow — period end 2025-09-30 | $73.04M | Period end · | FMP | Financial Modeling Prep (FMP), from the company's 10-Q cash-flow statements — Cash-flow note |
fin.opcf.depth.2025-09-30.capex_m | Capital expenditure (reported) — period end 2025-09-30 | −$9.90M | Period end · | FMP | Financial Modeling Prep (FMP), from the company's 10-Q cash-flow statements — Cash-flow note |
earn.pt_range | Analyst price target, low to high | $66.00 – $66.00 | FMP | Financial Modeling Prep (FMP) · price-target consensus — Captured Oct 4, 2026 · Coverage not supplied | |
earn.pt_consensus | Consensus analyst price target | $66.00 | FMP | Financial Modeling Prep (FMP) · price-target consensus — Captured Oct 4, 2026 · Coverage not supplied | |
earn.pt_median | Median analyst price target | $66.00 | FMP | Financial Modeling Prep (FMP) · price-target consensus — Captured Oct 4, 2026 · Coverage not supplied | |
own.insiders | Insider transactions via FMP | 31 transactions · 0 purchases, 0 sales, 31 other transactions · 12 identified insiders · of the newest 100 records, those within the last 180 days, newest dated Sep 24, 2026 | FMP | Financial Modeling Prep (FMP), carrying Form 4 transaction records — Purchases and sales use the reported transaction category. Other transactions include awards, exercises, gifts, withholding and unclassified activity; an acquisition or disposition alone is not a purchase or sale. These records do not establish intent. | |
own.institutions.depth.holders | Reporting holders | 381 | FMP | Financial Modeling Prep (FMP) institutional ownership summary, from 13F filings — 13F filings are quarterly and lag the quarter end by up to 45 days. Period end Jun 30, 2026 | |
own.institutions.depth.holders_previous_quarter | Previous quarter · holders | 385 | FMP | Financial Modeling Prep (FMP) institutional ownership summary, from 13F filings — 13F filings are quarterly and lag the quarter end by up to 45 days. Prior to period end Jun 30, 2026 | |
own.top_holders.depth.holder_0.shares | Blackrock, INC. — shares in provider snapshot | 16,381,401 | FMP | Financial Modeling Prep (FMP) institutional holders, from 13F filings — Provider snapshot as of 2026-06-30; individual filing date not supplied. | |
own.top_holders.depth.holder_1.shares | Vanguard Portfolio Management LLC — shares in provider snapshot | 8,112,057 | FMP | Financial Modeling Prep (FMP) institutional holders, from 13F filings — Provider snapshot as of 2026-06-30; individual filing date not supplied. | |
own.top_holders.depth.holder_2.shares | Franklin Resources INC — shares in provider snapshot | 6,695,164 | FMP | Financial Modeling Prep (FMP) institutional holders, from 13F filings — Provider snapshot as of 2026-06-30; individual filing date not supplied. | |
own.top_holders.depth.holder_3.shares | Fmr LLC — shares in provider snapshot | 6,545,875 | FMP | Financial Modeling Prep (FMP) institutional holders, from 13F filings — Provider snapshot as of 2026-06-30; individual filing date not supplied. | |
own.top_holders.depth.holder_4.shares | Vanguard Capital Management LLC — shares in provider snapshot | 4,586,998 | FMP | Financial Modeling Prep (FMP) institutional holders, from 13F filings — Provider snapshot as of 2026-06-30; individual filing date not supplied. |
UNRECORDED — 2 facts from stored observations whose source was not recorded
| Fact ID | Fact | Value as shown | As of | Tier | Source |
|---|---|---|---|---|---|
earn.history | Reported versus estimated, recent quarters | EPS beat 5 of 8 | UNRECORDED | Stored earnings-history observation — Captured 2026-09-14 · Expired observation | |
fin.scores | Distress and quality screens | Altman Z 3.91 · Piotroski F 9 | UNRECORDED | Stored financial-scores observation — Captured 2026-10-04 |
COMPUTED — 3 facts from our arithmetic, formula restated
| Fact ID | Fact | Value as shown | As of | Tier | Source |
|---|---|---|---|---|---|
fin.mcap_to_cash | Market value per dollar of cash and short-term investments | 30.47× | — | COMPUTED | Computed on this page from the figures above — The market capitalisation printed on this page divided by cash and short-term investments of $167.40M at Jun 30, 2026. Long-term investments are excluded and remain unclassified. Restrictions on cash and short-term investments require separate review. Market cap record date: 2026-10-02. Balance-sheet reference date: 2026-06-30. The inputs do not establish a single common source date for this ratio. |
earn.history.depth.2026-08-06.revenue_actual.comparison | Latest report · revenue vs estimate | Below estimate | Report date · | COMPUTED | Computed from Financial Modeling Prep (FMP) earnings — Earnings-history note — Method: compare reported revenue ($430.42M) with the recorded estimate ($430.60M) at displayed precision. Equal displayed values are in line. This compares reported results with recorded estimates, not investment returns. |
earn.history.depth.2026-08-06.eps_actual.comparison | Latest report · EPS vs estimate | Above estimate | Report date · | COMPUTED | Computed from Financial Modeling Prep (FMP) earnings — Earnings-history note — Method: compare reported EPS ($0.3100) with the recorded estimate ($0.2950) at displayed precision. Equal displayed values are in line. This compares reported results with recorded estimates, not investment returns. |
OURS — 2 facts from Stock Expert AI's own score and rank
| Fact ID | Fact | Value as shown | As of | Tier | Source |
|---|---|---|---|---|---|
ours.moonshot | MoonshotScore v2 | 71 of 100 · Strong · pillars 71 / 58 / 69 / 70 / 63 | OURS | Stock Expert AI MoonshotScore v2 engine | |
ours.moonshot_change | MoonshotScore movement | 71 (stored snapshot Oct 3, 2026) → 71 (current publication computed Oct 4, 2026) (0) | OURS | Stock Expert AI current score publication and immutable score snapshots |
Fact-family notes
- Quarterly statement note. Source series as of 2026-06-30. USD. The operating result is the FMP-standardized value supplied by FMP; it may differ from a filing’s GAAP loss from operations when the provider classifies separately presented items differently. It is not net income or cash flow. Applies to Fact IDs:
fin.q_table.depth.2026-06-30.revenue_k,fin.q_table.depth.2026-06-30.rd_k,fin.q_table.depth.2026-06-30.sga_k,fin.q_table.depth.2026-06-30.operating_result_k,fin.q_table.depth.2026-03-31.revenue_k,fin.q_table.depth.2026-03-31.rd_k,fin.q_table.depth.2026-03-31.sga_k,fin.q_table.depth.2026-03-31.operating_result_k,fin.q_table.depth.2025-12-31.revenue_k,fin.q_table.depth.2025-12-31.rd_k,fin.q_table.depth.2025-12-31.sga_k,fin.q_table.depth.2025-12-31.operating_result_k,fin.q_table.depth.2025-09-30.revenue_k,fin.q_table.depth.2025-09-30.rd_k,fin.q_table.depth.2025-09-30.sga_k,fin.q_table.depth.2025-09-30.operating_result_k. - Earnings-history note. Source series as of 2026-08-06. Dates are report dates, not fiscal period ends. Revenue is in USD; EPS is USD per share, rounded to four decimals. The earnings feed does not establish a basic, diluted or adjusted basis. Earnings-feed EPS may differ from statement EPS; the two series are not combined. Applies to Fact IDs:
earn.history.depth.2026-08-06.revenue_actual,earn.history.depth.2026-08-06.revenue_estimated,earn.history.depth.2026-08-06.revenue_actual.comparison,earn.history.depth.2026-08-06.eps_actual.comparison,earn.history.depth.2026-08-06.eps_actual,earn.history.depth.2026-08-06.eps_estimated,earn.history.depth.2026-05-07.revenue_actual,earn.history.depth.2026-05-07.revenue_estimated,earn.history.depth.2026-05-07.eps_actual,earn.history.depth.2026-05-07.eps_estimated,earn.history.depth.2026-02-26.revenue_actual,earn.history.depth.2026-02-26.revenue_estimated,earn.history.depth.2026-02-26.eps_actual,earn.history.depth.2026-02-26.eps_estimated,earn.history.depth.2025-11-06.revenue_actual,earn.history.depth.2025-11-06.revenue_estimated,earn.history.depth.2025-11-06.eps_actual,earn.history.depth.2025-11-06.eps_estimated. - Cash-flow note. Source series as of 2026-06-30. USD. Negative operating cash flow means cash used. Capital expenditure keeps the provider’s reported sign; it is not added here to estimate free cash flow or runway. Applies to Fact IDs:
fin.opcf.depth.2026-06-30.operating_cash_flow_m,fin.opcf.depth.2026-03-31.operating_cash_flow_m,fin.opcf.depth.2026-06-30.capex_m,fin.opcf.depth.2026-03-31.capex_m,fin.opcf.depth.2025-12-31.operating_cash_flow_m,fin.opcf.depth.2025-12-31.capex_m,fin.opcf.depth.2025-09-30.operating_cash_flow_m,fin.opcf.depth.2025-09-30.capex_m.
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Sources used for research written 2026-09-13
Historical evidence preserved with this analysis. Current figures are listed separately above.
| Evidence | Captured value | Source date | Source type | Source |
|---|---|---|---|---|
| Business description | 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. | 2026-09-13 | FMP | Financial Modeling Prep (FMP) company profile |
| Sector / industry (provider taxonomy) | Technology / Software - Infrastructure The company's SEC filings classify it under SIC 7372 — Services-Prepackaged Software. | 2026-09-13 | FMP | Financial Modeling Prep (FMP) company profile |
| Revenue by segment | License: $461.50M; Maintenance: $201.28M; Bill Payments: $817.73M; Merchant Payments: $170.67M; Issuing And Acquiring: $579.83M | 2025-12-31 | FMP | Financial Modeling Prep (FMP) revenue segmentation, from the company's 10-K |
| Annual revenue and net result (USD millions) | Captured record · 5 entries
| 2025-12-31 | FMP | Financial Modeling Prep (FMP), from the company's 10-K income statements |
| Trailing twelve-month ratio set | Quick ratio: 1.58; Current ratio: 1.58; Debt to equity: 0.57; Net margin: 12.4%; Gross margin: 49.1%; Operating margin: 18.6%; Return on assets: 7.3%; Return on equity: 15.1% Price-based multiples captured at research time are not repeated here; the page shows each once, from current figures with their own dates. A ratio our provider could not compute is absent rather than shown as zero. | 2026-09-13 | FMP | Financial Modeling Prep (FMP) key-metrics-ttm + ratios-ttm |
| Quarterly income statement (USD thousands) | Captured record · 8 entries
| 2026-06-30 | FMP | Financial Modeling Prep (FMP), from the company's 10-Q and 10-K income statements |
| Reported versus estimated, last 8 quarters | Captured record · 8 entries
| 2026-08-06 | FMP | Financial Modeling Prep (FMP) earnings |
| Analyst revenue and earnings estimates (average) | Captured record · 4 entries
At most 3 analysts contributed — treat this as thin coverage, not a consensus. | 2026-09-13 | FMP | Financial Modeling Prep (FMP) analyst estimates |
| Management outlook — dated call excerpts | Captured record · 4 entries
Selected verbatim statements from the latest available call, dated by the transcript provider. Management expectations, not completed milestones or guarantees. Relative dates retain the speaker's wording. | 2026-05-07 | OFFICIAL | Company earnings call, transcript via Financial Modeling Prep (FMP) |
| Cash, investments and debt | Total debt: $849.46M; Liquidity basis: cash and short-term investments; Total liabilities: $1.60B; Cash and short-term investments: $167.40M; Cash and investments: $167.40M; Long-term investments: $0; Long-term investments classification: unclassified Long-term investments are shown separately; their marketability is not established by the provider field. The cash and short-term investment balance does not establish unrestricted availability. | 2026-06-30 | FMP | Financial Modeling Prep (FMP), from the company's balance sheet |
| Operating cash flow by quarter (USD millions) | Captured record · 8 entries
| 2026-06-30 | FMP | Financial Modeling Prep (FMP), from the company's 10-Q cash-flow statements |
| Distress and quality screens | Altman Z-score: 3.98; Piotroski F-score: 9 Altman Z below 1.8 is the conventional distress zone. The screen is built for manufacturers and industrials; for banks, insurers and property companies it is not a meaningful reading. | 2026-09-13 | FMP | Financial Modeling Prep (FMP) financial scores |
| Next earnings report | Date: 2026-11-05; EPS estimate: $0.355 per share; Revenue estimate: $421.76M The date is our provider's estimate until the company confirms it. | 2026-09-13 | FMP | Financial Modeling Prep (FMP) earnings calendar |
| Analyst actions, most recent per firm | Captured record · 10 entries
One row per firm — the firm's most recent action in our feed. Other data vendors may carry firms ours does not. | 2026-09-02 | FMP | Financial Modeling Prep (FMP) analyst grades |
| Institutional ownership (13F) | Holders: 380; Quarter: 2026-06-30; Holders previous quarter: 385 13F filings are quarterly and lag the quarter end by up to 45 days. | 2026-06-30 | FMP | Financial Modeling Prep (FMP) institutional ownership summary, from 13F filings |
Data provided for informational purposes only.