ACI Worldwide Past Earnings Performance
Past criteria checks 2/6
ACI Worldwide has been growing earnings at an average annual rate of 20.1%, while the Software industry saw earnings growing at 24.9% annually. Revenues have been growing at an average rate of 6.5% per year. ACI Worldwide's return on equity is 13.7%, and it has net margins of 11.5%.
Key information
20.08%
Earnings growth rate
22.96%
EPS growth rate
| Software Industry Growth | 17.33% |
| Revenue growth rate | 6.49% |
| Return on equity | 13.73% |
| Net Margin | 11.51% |
| Last Earnings Update | 31 Mar 2026 |
Recent past performance updates
Recent updates
Narrative Update • Jun 09
ACIW: Cloud Payment Connectivity And Guidance Raise Will Drive Future Upside
Analysts are maintaining their price target for ACI Worldwide at $70.00. This reflects slightly higher assumed revenue growth and profit margins, offset by a modestly higher discount rate and a similar forward P/E multiple.Narrative Update • May 25
ACIW: Cloud Payment Connectivity Expansion Will Support Future Upside Potential
Analysts have kept the ACI Worldwide price target steady at $70.00, with updated assumptions that include a slightly different discount rate, modestly adjusted revenue growth outlook, higher profit margin expectations, and a somewhat lower future P/E multiple. What's in the News Extended partnership with UBX Tanzania Limited, supporting core payments infrastructure for 18 banks, over 250 ATMs and more than 1.3 million transactions per month, with a focus on resilience, scalability and new services such as digital wallets (Client Announcements).Narrative Update • Apr 27
ACIW: Cloud Payment Connectivity And Margin Discipline Will Drive Future Upside
Analysts have adjusted their price target for ACI Worldwide slightly to $70.00, reflecting refined assumptions around discount rate, revenue growth, profit margin, and future P/E, while keeping their overall valuation view steady. What's in the News ACI Worldwide and Kinexys by J.P. Morgan integrated Kinexys Liink’s Confirm application into ACI’s Fraud and Financial Crime solution, adding embedded account and payee verification across ACH, wire and instant payments within the ACI Connetic platform (Key Developments).Narrative Update • Apr 12
ACIW: Margin Discipline And Cash Returns Will Support Future Upside
Analysts have trimmed their price target on ACI Worldwide by $7, reflecting updated assumptions around discount rates, revenue growth, profit margins, and future P/E multiples. Analyst Commentary While the headline move is a lower price target, bullish analysts still point to several reasons why ACI Worldwide’s equity story can remain appealing for investors who are comfortable with execution risk and valuation resets.Narrative Update • Mar 29
ACIW: Higher Margins And Cash Generation Will Support Future Upside
Analysts have reduced their 12 month price target on ACI Worldwide by $7, reflecting updated views on the discount rate, revenue growth, profit margin and future P/E assumptions discussed in recent research. Analyst Commentary While the latest research includes a lower 12 month price target, some readers may still see room for upside if ACI Worldwide executes well on its revenue growth and margin plans.
Narrative Update • Mar 13
ACIW: Recalibrated Expectations And New Payment Deals Will Support Future Upside
Analysts have reduced their price target on ACI Worldwide by $7 to reflect updated views on the discount rate, revenue growth, profit margin and future P/E assumptions, as highlighted in recent Street research. Analyst Commentary Recent Street research around ACI Worldwide focuses on how updated assumptions for the discount rate, revenue growth, profit margin and future P/E filter through to the new price target.Narrative Update • Feb 26
ACIW: Recalibrated Discount Rate And Payments Execution Will Support Future Upside
Analysts have reduced their price target on ACI Worldwide by $7, reflecting updated views on discount rates, revenue growth assumptions, profit margins, and future P/E multiples. Analyst Commentary Even with the lower price target, bullish analysts are still highlighting reasons they think ACI Worldwide can justify a higher valuation over time, with the revised target reflecting updated assumptions rather than a loss of confidence in the business.Narrative Update • Feb 12
ACIW: Reset Expectations And New Deals Will Support Future Upside
Analysts have trimmed their price target on ACI Worldwide by $1.40. The shift is tied to updated views on fair value, discount rate, growth, margins and future P/E assumptions following the latest research, including the recent cut at Seaport Research.Narrative Update • Jan 29
ACIW: Execution On Payments Contracts And Buybacks Will Support Future Upside
Analysts have trimmed their price target on ACI Worldwide by $7, reflecting updated assumptions around discount rates, growth, margins, and future P/E that feed into their valuation work. Analyst Commentary Even with the $7 trim to the price target, bullish analysts still see room for ACI Worldwide to execute on its plan and support their valuation work.Narrative Update • Jan 15
ACIW: Higher Earnings Power And Buybacks Will Support Future Upside
Analysts have reduced their price target on ACI Worldwide by $7 to $70, citing updated assumptions around discount rates, revenue growth, profit margins, and future P/E multiples. Analyst Commentary Recent research points to a more cautious stance on ACI Worldwide, with the latest published work highlighting adjustments to discount rates, revenue growth, profit margins, and assumed future P/E multiples.Analysis Article • Nov 21
ACI Worldwide, Inc.'s (NASDAQ:ACIW) Business Is Yet to Catch Up With Its Share Price
It's not a stretch to say that ACI Worldwide, Inc.'s ( NASDAQ:ACIW ) price-to-earnings (or "P/E") ratio of 18x right...Seeking Alpha • Oct 13
ACI Worldwide: Mix Shifting Towards Payment Software Will Continue To Increase Margins
Summary ACI rebounded from about 40 dollars on August 1 to about 52 dollars today, with momentum improving despite a weak Seeking Alpha quant score from earnings revisions. H1 2025 delivered solid execution: revenue rose about 15 percent to roughly 796 million dollars, adjusted EBITDA grew about 24 percent, and recurring reached about 76 percent of sales. Management raised full-year 2025 guidance to 1.71 to 1.74 billion dollars of revenue and 490 to 505 million dollars of adjusted EBITDA, signaling confidence in execution and margin trajectory. I expect further margin expansion as the mix tilts to higher-margin Payment Software near 50 percent segment EBITDA versus Biller near 17 percent. My discounted EPS base case values ACI at around 64 dollars per share versus roughly 52 today, and the raised full-year guidance strengthens the risk-reward. Read the full article on Seeking AlphaAnalysis Article • Sep 07
Here's Why We Think ACI Worldwide (NASDAQ:ACIW) Is Well Worth Watching
It's common for many investors, especially those who are inexperienced, to buy shares in companies with a good story...Analysis Article • Aug 26
Are Investors Undervaluing ACI Worldwide, Inc. (NASDAQ:ACIW) By 41%?
Key Insights The projected fair value for ACI Worldwide is US$82.90 based on 2 Stage Free Cash Flow to Equity ACI...Analysis Article • Aug 10
ACI Worldwide, Inc. Just Beat Earnings Expectations: Here's What Analysts Think Will Happen Next
NasdaqGS:ACIW 1 Year Share Price vs Fair Value Explore ACI Worldwide's Fair Values from the Community and select yours...Analysis Article • Aug 04
There's Been No Shortage Of Growth Recently For ACI Worldwide's (NASDAQ:ACIW) Returns On Capital
What trends should we look for it we want to identify stocks that can multiply in value over the long term? Firstly...Analysis Article • Jul 23
What Is ACI Worldwide, Inc.'s (NASDAQ:ACIW) Share Price Doing?
ACI Worldwide, Inc. ( NASDAQ:ACIW ), is not the largest company out there, but it received a lot of attention from a...Analysis Article • Jul 11
What ACI Worldwide, Inc.'s (NASDAQ:ACIW) P/E Is Not Telling You
With a median price-to-earnings (or "P/E") ratio of close to 19x in the United States, you could be forgiven for...Analysis Article • May 25
Are Investors Undervaluing ACI Worldwide, Inc. (NASDAQ:ACIW) By 42%?
Key Insights ACI Worldwide's estimated fair value is US$79.48 based on 2 Stage Free Cash Flow to Equity ACI Worldwide's...Analysis Article • May 01
Is Now The Time To Put ACI Worldwide (NASDAQ:ACIW) On Your Watchlist?
Investors are often guided by the idea of discovering 'the next big thing', even if that means buying 'story stocks...Analysis Article • Apr 19
At US$50.94, Is It Time To Put ACI Worldwide, Inc. (NASDAQ:ACIW) On Your Watch List?
ACI Worldwide, Inc. ( NASDAQ:ACIW ), is not the largest company out there, but it received a lot of attention from a...Analysis Article • Apr 06
ACI Worldwide (NASDAQ:ACIW) Is Experiencing Growth In Returns On Capital
If we want to find a stock that could multiply over the long term, what are the underlying trends we should look for...Seeking Alpha • Mar 26
Bullish On ACI Worldwide's Innovating Bet In Global Payments
Summary ACI Worldwide is well established, operating across 94 countries and delivering payment solutions to banks, merchants, and billers globally. They’re also merging their Bank and Merchant segments into a unified Payment Software unit for operational efficiency. Interestingly, ACIW is also preparing a new product called Kinetic, which is a cloud-native payments hub aimed at driving high-volume, real-time processing. Overall, their portfolio includes fraud prevention, digital payments, and an extensive API library servicing over 80,000 merchants. I believe ACIW’s robust financials and growing cash flow justify its valuation, which is why I rate it a good long-term “Buy” at these levels. Read the full article on Seeking AlphaAnalysis Article • Feb 09
Pinning Down ACI Worldwide, Inc.'s (NASDAQ:ACIW) P/E Is Difficult Right Now
ACI Worldwide, Inc.'s ( NASDAQ:ACIW ) price-to-earnings (or "P/E") ratio of 24.4x might make it look like a sell right...Analysis Article • Jan 28
ACI Worldwide, Inc. (NASDAQ:ACIW) Shares Could Be 25% Below Their Intrinsic Value Estimate
Key Insights The projected fair value for ACI Worldwide is US$71.06 based on 2 Stage Free Cash Flow to Equity Current...Seeking Alpha • Jan 13
ACI Worldwide: The Future Has Never Looked So Bright
Summary ACI Worldwide is a mature player in the digital payments market, with a stock appreciation of over 75% in the past year. ACIW's business model supports over 6,000 organizations globally, with significant revenue growth in banking and merchant segments, and 66.7% of revenues being recurring. Despite external risks like currency fluctuations, ACIW's strong financial performance and promising U.S. market position justify a buy rating and a $61.8 stock price target. ACIW outperforms peers like PayPal and Block in net margins and several key metrics, indicating a bright future and solid investment potential. Read the full article on Seeking AlphaAnalysis Article • Jan 04
Is Now The Time To Put ACI Worldwide (NASDAQ:ACIW) On Your Watchlist?
It's common for many investors, especially those who are inexperienced, to buy shares in companies with a good story...Analysis Article • Dec 11
Does ACI Worldwide (NASDAQ:ACIW) Have A Healthy Balance Sheet?
Legendary fund manager Li Lu (who Charlie Munger backed) once said, 'The biggest investment risk is not the volatility...Analysis Article • Nov 29
Why ACI Worldwide, Inc. (NASDAQ:ACIW) Could Be Worth Watching
While ACI Worldwide, Inc. ( NASDAQ:ACIW ) might not have the largest market cap around , it saw a significant share...Analysis Article • Nov 08
Returns Are Gaining Momentum At ACI Worldwide (NASDAQ:ACIW)
Finding a business that has the potential to grow substantially is not easy, but it is possible if we look at a few key...Analysis Article • Oct 27
ACI Worldwide, Inc. (NASDAQ:ACIW) Shares Could Be 33% Below Their Intrinsic Value Estimate
Key Insights ACI Worldwide's estimated fair value is US$72.83 based on 2 Stage Free Cash Flow to Equity Current share...Analysis Article • Oct 15
Earnings Not Telling The Story For ACI Worldwide, Inc. (NASDAQ:ACIW)
ACI Worldwide, Inc.'s ( NASDAQ:ACIW ) price-to-earnings (or "P/E") ratio of 30x might make it look like a strong sell...Analysis Article • Oct 03
Does ACI Worldwide (NASDAQ:ACIW) Deserve A Spot On Your Watchlist?
The excitement of investing in a company that can reverse its fortunes is a big draw for some speculators, so even...Seeking Alpha • Sep 20
ACI Worldwide: Up Over 100% In The Last Year But Still Undervalued
Summary I am initiating coverage with a ‘Buy’ rating due to their mature business model, expanding margins, and modest valuation despite significant stock appreciation. Financially, ACI has shown renewed revenue growth, margin expansion, and healthy cash generation, positioning them well despite a mature business cycle. Despite past inconsistencies in meeting forecasts, ACI appears undervalued compared to peers, suggesting potential for continued outperformance for long-term investors. Read the full article on Seeking AlphaAnalysis Article • Sep 08
Here's Why ACI Worldwide (NASDAQ:ACIW) Can Manage Its Debt Responsibly
David Iben put it well when he said, 'Volatility is not a risk we care about. What we care about is avoiding the...
New Narrative • Aug 30
Decisive Partnerships And Innovative Payments Hub Propel Future Earnings And Market Positioning
ACI Worldwide shows robust growth with significant increases in revenues and EBITDA in the Biller and Bank segments, indicating successful expansion and partnerships.Analysis Article • Aug 27
Is There Now An Opportunity In ACI Worldwide, Inc. (NASDAQ:ACIW)?
ACI Worldwide, Inc. ( NASDAQ:ACIW ), is not the largest company out there, but it saw a significant share price rise of...Analysis Article • Jul 12
What You Can Learn From ACI Worldwide, Inc.'s (NASDAQ:ACIW) P/E
When close to half the companies in the United States have price-to-earnings ratios (or "P/E's") below 17x, you may...Revenue & Expenses Breakdown
Revenue & Expenses Breakdown
How ACI Worldwide makes and spends money. Based on latest reported earnings, on an LTM basis.
Earnings and Revenue History
| Date | Revenue | Earnings | G+A Expenses | R&D Expenses |
|---|---|---|---|---|
| 31 Mar 26 | 1,791 | 206 | 264 | 173 |
| 31 Dec 25 | 1,760 | 227 | 259 | 168 |
| 30 Sep 25 | 1,731 | 261 | 251 | 161 |
| 30 Jun 25 | 1,701 | 251 | 249 | 156 |
| 31 Mar 25 | 1,673 | 270 | 241 | 151 |
| 31 Dec 24 | 1,594 | 203 | 231 | 147 |
| 30 Sep 24 | 1,618 | 227 | 217 | 143 |
| 30 Jun 24 | 1,529 | 184 | 211 | 139 |
| 31 Mar 24 | 1,479 | 146 | 214 | 139 |
| 31 Dec 23 | 1,453 | 122 | 250 | 141 |
| 30 Sep 23 | 1,428 | 89 | 218 | 138 |
| 30 Jun 23 | 1,371 | 74 | 229 | 140 |
| 31 Mar 23 | 1,388 | 94 | 234 | 146 |
| 31 Dec 22 | 1,422 | 142 | 249 | 146 |
| 30 Sep 22 | 1,437 | 161 | 256 | 151 |
| 30 Jun 22 | 1,447 | 152 | 248 | 151 |
| 31 Mar 22 | 1,408 | 145 | 245 | 146 |
| 31 Dec 21 | 1,371 | 128 | 250 | 144 |
| 30 Sep 21 | 1,291 | 85 | 230 | 136 |
| 30 Jun 21 | 1,290 | 88 | 220 | 134 |
| 31 Mar 21 | 1,288 | 95 | 214 | 133 |
| 31 Dec 20 | 1,294 | 73 | 256 | 139 |
| 30 Sep 20 | 1,307 | 61 | 213 | 142 |
| 30 Jun 20 | 1,346 | 77 | 222 | 145 |
| 31 Mar 20 | 1,344 | 69 | 236 | 149 |
| 31 Dec 19 | 1,258 | 67 | 259 | 147 |
| 30 Sep 19 | 1,178 | 99 | 230 | 145 |
| 30 Jun 19 | 1,069 | 83 | 229 | 144 |
| 31 Mar 19 | 1,006 | 62 | 221 | 143 |
| 31 Dec 18 | 1,010 | 69 | 225 | 144 |
| 30 Sep 18 | 1,016 | 14 | 221 | 141 |
| 30 Jun 18 | 996 | 3 | 216 | 139 |
| 31 Mar 18 | 1,002 | -13 | 213 | 136 |
| 31 Dec 17 | 1,024 | 5 | 212 | 137 |
| 30 Sep 17 | 1,041 | 39 | 211 | 144 |
| 30 Jun 17 | 1,032 | 25 | 222 | 152 |
| 31 Mar 17 | 1,011 | 39 | 230 | 164 |
| 31 Dec 16 | 1,006 | 130 | 227 | 170 |
| 30 Sep 16 | 972 | 107 | 241 | 166 |
| 30 Jun 16 | 993 | 131 | 228 | 159 |
| 31 Mar 16 | 1,039 | 175 | 221 | 152 |
| 31 Dec 15 | 1,046 | 85 | 215 | 146 |
| 30 Sep 15 | 1,028 | 88 | 184 | 144 |
| 30 Jun 15 | 1,039 | 89 | 184 | 144 |
Quality Earnings: ACIW has high quality earnings.
Growing Profit Margin: ACIW's current net profit margins (11.5%) are lower than last year (16.1%).
Free Cash Flow vs Earnings Analysis
Past Earnings Growth Analysis
Earnings Trend: ACIW's earnings have grown significantly by 20.1% per year over the past 5 years.
Accelerating Growth: ACIW's has had negative earnings growth over the past year, so it can't be compared to its 5-year average.
Earnings vs Industry: ACIW had negative earnings growth (-23.6%) over the past year, making it difficult to compare to the Software industry average (14.3%).
Return on Equity
High ROE: ACIW's Return on Equity (13.7%) is considered low.
Return on Assets
Return on Capital Employed
Discover strong past performing companies
Company Analysis and Financial Data Status
| Data | Last Updated (UTC time) |
|---|---|
| Company Analysis | 2026/06/10 05:29 |
| End of Day Share Price | 2026/06/10 00:00 |
| Earnings | 2026/03/31 |
| Annual Earnings | 2025/12/31 |
Data Sources
The data used in our company analysis is from S&P Global Market Intelligence LLC. The following data is used in our analysis model to generate this report. Data is normalised which can introduce a delay from the source being available.
| Package | Data | Timeframe | Example US Source * |
|---|---|---|---|
| Company Financials | 10 years |
| |
| Analyst Consensus Estimates | +3 years |
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| Market Prices | 30 years |
| |
| Ownership | 10 years |
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| Management | 10 years |
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| Key Developments | 10 years |
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* Example for US securities, for non-US equivalent regulatory forms and sources are used.
Unless specified all financial data is based on a yearly period but updated quarterly. This is known as Trailing Twelve Month (TTM) or Last Twelve Month (LTM) Data. Learn more.
Analysis Model and Snowflake
Details of the analysis model used to generate this report is available on our Github page, we also have guides on how to use our reports and tutorials on Youtube.
Learn about the world class team who designed and built the Simply Wall St analysis model.
Industry and Sector Metrics
Our industry and section metrics are calculated every 6 hours by Simply Wall St, details of our process are available on Github.
Analyst Sources
ACI Worldwide, Inc. is covered by 14 analysts. 4 of those analysts submitted the estimates of revenue or earnings used as inputs to our report. Analysts submissions are updated throughout the day.
| Analyst | Institution |
|---|---|
| Paul Condra | BMO Capital Markets Equity Research |
| Thomas McCrohan | Brean Capital Historical (Janney Montgomery) |
| Mark Palmer | BTIG |