Stocks · Technology · Software - Infrastructure
ACI Worldwide, Inc. ACIW
$50.15 +0.93% Close, Oct 2, 2026 · NASDAQ · Market cap $5.10B
Inexpensive vs sectorLow risk
Next earnings report: Nov 5, 2026
Scroll or pinch to zoom, drag to move. Daily prices adjusted for splits. Markers: E = earnings (green beat, red miss), S = split, D = dividend.
Three things to know
- The stock is in an uptrend: above its 200-day average for 71 trading days, with the 50-day average above the 200-day.
- Revenue over the last four quarters was $1.82B, up 7.0% from a year earlier.
- Diluted EPS over the last four quarters was $2.18, down 8.0% year over year.
PromtFinance scores
Each score is a percentile within the Technology sector (0–100). Under each score: how the stock ranks in its sector on every component. As of Oct 5, 2026.
How fast revenue, earnings and cash flow are growing.
- Revenue growth (TTM, YoY)Bottom 34%
- EPS growth (TTM, YoY)Bottom 32%
- FCF growth (TTM, YoY)Bottom 47%
- Revenue growth, 3-year CAGRTop 48%
- Revenue growth accelerationBottom 43%
Returns on capital, margins, earnings quality and balance-sheet strength.
- Return on invested capitalTop 26%
- Gross marginBottom 48%
- Operating marginTop 17%
- Cash conversion (OCF / net income)Top 48%
- Accruals (lower is better)Bottom 43%
- Net debt / EBITDA (lower is better)Bottom 35%
- Interest coverTop 39%
How cheap the shares are relative to earnings, cash flow and their own history.
- Earnings yieldTop 20%
- Free-cash-flow yieldTop 23%
- EBITDA / enterprise valueTop 20%
- Sales / enterprise valueTop 43%
- P/E vs own 5-year history (lower is better)Top 37%
Strength and persistence of the price trend, including versus the S&P 500.
- 12-month return excluding last monthBottom 47%
- 6-month returnBottom 48%
- 1-year return vs S&P 500Bottom 42%
- Distance from 52-week highTop 30%
- Trend checklist (0–4)Bottom 40%
Earnings surprises and analyst sentiment (estimate-revision history is being collected).
- Average EPS surprise, last 4 quartersBottom 24%
- Consecutive EPS beatsBottom 44%
- Share of analysts rating BuyTop 50%
- Upside to consensus price targetTop 43%
Low volatility, shallow drawdowns, low market sensitivity and modest leverage.
- Volatility, 60 days (lower is better)Top 5%
- Maximum drawdown, 3 yearsTop 7%
- Beta vs S&P 500 (lower is better)Top 22%
- Net debt / EBITDA (lower is better)Bottom 35%
What changed
Latest four quarters versus the same period a year earlier (growth: versus one quarter earlier).
| Measure | Before | Now | |
|---|---|---|---|
| Revenue growth (YoY) | 7.1% | 7.0% | ↓ |
| EPS growth (YoY) | -21.7% | -8.0% | ↑ |
| Gross margin | 50.3% | 49.1% | ↓ |
| Operating margin | 19.9% | 18.6% | ↓ |
| FCF margin | 18.0% | 19.5% | ↑ |
Fundamental momentum
| Measure | Now (TTM) | Year / quarter before | Sector rank | |
|---|---|---|---|---|
| Revenue growth (TTM, YoY) | 7.0% | 7.1% | ↓ | Bottom 34% |
| EPS growth (TTM, YoY) | -8.0% | -21.7% | ↑ | Bottom 32% |
| Gross margin | 49.1% | 50.3% | ↓ | Bottom 48% |
| Operating margin | 18.6% | 19.9% | ↓ | Top 17% |
| Net margin | 12.4% | 14.8% | ↓ | — |
| Free-cash-flow margin | 19.5% | 18.0% | ↑ | — |
| Return on invested capital | 10.3% | — | Top 26% | |
| Revenue growth, 3-year CAGR | 7.4% | — | Top 48% |
Quality of earnings and balance sheet
- Cash conversion (OCF / net income)Above 1× means profits are backed by cash.
- 1.75×
- Accruals (net income − OCF) / assetsLower is better; high accruals can signal weaker earnings quality.
- -5.4%
- Stock-based compensation / revenueA cost to shareholders through dilution.
- 5.2%
- Receivables growth vs revenue growthReceivables growing much faster than sales can be a warning.
- +210.5 pp
- Net debt / EBITDABelow 1× is conservative; above 3× is high leverage.
- 1.47×
- Interest cover (operating income / interest)How many times operating profit covers interest.
- 6.4×
Shareholder returns
- Dividend yield (dividends paid, TTM)
- 0.00%
- Net buyback yield (TTM)
- 4.47%
- Shareholder yield
- 4.47%
- Share count change, 1 year
- -3.3%
- Share count change, 3-year CAGR
- -2.1%
Shareholder yield = dividends + net buybacks over the last four quarters, divided by market cap.
Based on the four quarters through Jun 30, 2026 (filed Aug 6, 2026).
Earnings and expectations
Earnings momentum
- Consecutive EPS beats
- 2
- Beats in the last 8 reports
- 5 of 8
- Average EPS surprise, last 4
- +0.9%
- Average 2-day reaction, last 8
- +1.6%
- Positive 20 days after report
- 3 of 8
Analysts
- Consensus price target
- $66.00
- Target vs current price
- +31.6%
- Analysts with a rating
- 17
- Share rating Buy or Strong Buy
- 65%
- Consensus rating
- Buy
How the stock reacted to recent reports
| Report date | EPS surprise | 2 days | 5 days | 20 days | 60 days |
|---|---|---|---|---|---|
| Aug 6, 2026 | +5.1% | -4.4% | -8.7% | -9.2% | — |
| May 7, 2026 | +31.0% | +7.8% | -5.7% | -2.1% | +32.6% |
| Feb 26, 2026 | -21.3% | -4.1% | +2.3% | -3.5% | +2.5% |
| Nov 6, 2025 | -11.1% | +5.0% | -1.4% | -3.9% | -18.1% |
| Aug 7, 2025 | -29.4% | +3.8% | +12.2% | +17.8% | +12.1% |
| May 8, 2025 | +121.7% | -11.7% | -10.3% | -14.4% | -23.6% |
| Feb 27, 2025 | +28.8% | +7.7% | +7.2% | +8.9% | -8.1% |
| Nov 7, 2024 | +83.3% | +8.8% | +4.2% | +1.5% | +0.8% |
Returns from the close before each report. Past reactions do not determine future ones.
Earnings history
| Report date | EPS | Estimate | Surprise | Revenue |
|---|---|---|---|---|
| Aug 6, 2026 | $0.31 | $0.30 | +5.1% | $430.4M |
| May 7, 2026 | $0.38 | $0.29 | +31.0% | $425.7M |
| Feb 26, 2026 | $0.63 | $0.80 | -21.3% | $481.6M |
| Nov 6, 2025 | $0.88 | $0.99 | -11.1% | $482.4M |
| Aug 7, 2025 | $0.12 | $0.17 | -29.4% | $401.3M |
| May 8, 2025 | $0.51 | $0.23 | +121.7% | $394.6M |
| Feb 27, 2025 | $0.94 | $0.73 | +28.8% | $453.0M |
| Nov 7, 2024 | $0.77 | $0.42 | +83.3% | $451.8M |
Valuation in context
| Multiple | Now | 5-year median | 5-year percentile | Sector rank (cheapness) |
|---|---|---|---|---|
| P/E (trailing) | 23.0× | 25.5× | 38th | Top 20% |
| P/E (forward) | 19.4× | — | — | — |
| EV / EBITDA | 12.4× | — | — | Top 20% |
| EV / Sales | 3.18× | — | — | Top 43% |
| Free-cash-flow yield | 6.96% | — | — | Top 23% |
| Earnings yield | 4.35% | — | — | Top 20% |
P/E over the past five years
Range 14.5× – 44.8× since Jun 30, 2021. Each point: price on the filing date divided by trailing-twelve-month EPS known then.
What moved the stock over the past year
- Price return, 1 year
- -4.9%
- Earnings per share growth (TTM)
- -8.0%
- Change in P/E multiple
- +37.2%
Most of the move came from a change in the valuation multiple.
Technical state
Trend checklist
- ✗ Price above 20-day average
- ✗ Price above 50-day average
- ✓ Price above 200-day average
- ✓ 50-day average above 200-day
- ✓ MACD histogram positive
Trend quality
- Days above the 50-day average
- 0
- Days above the 200-day average
- 71
- 50-day average slope (20 days)
- -2.9%
- 200-day average slope (20 days)
- +0.9%
- Distance from 50-day average
- -5.1%
- Distance from 200-day average
- +7.5%
- RSI (14)
- 45.1
- Relative volume
- 0.77×
Risk and drawdowns
- Volatility, 60 days (annualized)
- 28.5%
- Volatility vs own 5-year history
- 24th percentile · Normal for this stock
- Beta vs S&P 500 (2 years, weekly)
- 1.00
- Correlation with S&P 500
- 0.41
- Current drawdown from 1-year high
- -16.7%
- Maximum drawdown, 3 years
- -35.0%
Largest declines in the past six years
| From peak | To low | Decline | Length | Recovery |
|---|---|---|---|---|
| Feb 17, 2021 | Oct 27, 2023 | -54.2% | 679 days | 187 days (Jul 29, 2024) |
| Nov 7, 2024 | Feb 23, 2026 | -35.0% | 321 days | 107 days (Jul 28, 2026) |
| Jul 29, 2026 | Sep 29, 2026 | -19.3% | 43 days | Not yet recovered |
Declines of 10% or more from a closing high, measured on daily closes.
Financial statements
- Market cap
- $5.10B
- P/E (TTM)
- 23.0
- EPS, diluted (TTM)
- $2.18
- Revenue (TTM)
- $1.82B
- 52-week range
- $38.05 – $61.08
| FY 2021 | FY 2022 | FY 2023 | FY 2024 | FY 2025 | |
|---|---|---|---|---|---|
| Revenue | $1.37B | $1.42B | $1.45B | $1.59B | $1.76B |
| Gross profit | $731.7M | $725.8M | $733.4M | $802.5M | $862.1M |
| Operating income | $209.9M | $203.8M | $220.4M | $308.1M | $329.9M |
| Net income | $127.8M | $142.2M | $121.5M | $203.1M | $226.7M |
| EPS (diluted) | $1.08 | $1.24 | $1.12 | $1.91 | $2.16 |
| Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | |
|---|---|---|---|---|---|---|---|---|
| Revenue | $451.8M | $453.0M | $394.6M | $401.3M | $482.4M | $481.6M | $425.7M | $430.4M |
| Net income | $81.4M | $98.6M | $58.9M | $12.2M | $91.3M | $64.3M | $38.3M | $31.8M |
| EPS (diluted) | $0.77 | $0.93 | $0.55 | $0.12 | $0.88 | $0.62 | $0.37 | $0.31 |
| FY 2021 | FY 2022 | FY 2023 | FY 2024 | FY 2025 | |
|---|---|---|---|---|---|
| Operating cash flow | $220.5M | $143.4M | $168.5M | $358.7M | $322.8M |
| Capital expenditure | -$45.4M | -$39.9M | -$37.8M | -$15.4M | -$12.9M |
| Free cash flow | $175.1M | $103.5M | $130.7M | $343.3M | $309.9M |
| Dividends paid | $0 | $0 | $0 | $0 | $0 |
| Net share buybacks | -$103.9M | -$203.0M | -$24.8M | -$124.8M | -$191.3M |
Cash outflows are shown as negative numbers.
- Cash and short-term investments
- $167.4M
- Total assets
- $3.10B
- Total liabilities
- $1.60B
- Total debt
- $849.5M
- Net debt
- $682.1M
- Shareholders’ equity
- $1.50B
As of Jun 30, 2026 (filed Aug 6, 2026).
Short interest
- Shares sold short
- 6,427,049
- Days to cover
- 8.83
- Change vs previous report
- +1.9%
FINRA short interest, settlement date Sep 15, 2026.
Stock splits
- Jul 11, 2014
- 3-for-1
- Jul 2, 1996
- 2-for-1