profit from every $100 of sales.
$0$100
ACI Worldwide
$61.85+0.65% today
+28.9% in 1 year
1-year low $38.471-year high $61.85
Trading close to its highest price of the past year.
The essentials
Four questions every investor asks, answered in one line each.
more sales each year, on average, 2020 to 2025.
0%20% a year
You pay $27.34 for every $1 of profit it makes in a year.
CheapExpensive
of earnings would pay off all its debt.
No debt5 years
Money in, money out
What ACI Worldwide sold, what it kept, and what it did with the cash.
Sales went from $1.42 billion in 2022 to $1.76 billion in 2025, with $227 million of profit last year.
SalesProfit
ACI Worldwide handed back 70% of the cash it generated last year.
Buybacks $203M
Free cash flow 2025$289M
Bought back its own shares$203M
Paid as dividends–
Cash vs. debt$196M vs. $849M
ACI Worldwide vs. similar companies
ACI Worldwide grows the slowest of these 5 and is priced in the middle for its profits.
| Company | Profit from $100 of sales | Sales growth a year | Price per $1 of profit |
|---|---|---|---|
| ACI Worldwide | 27.3× · Fair price | ||
 Microsoft | 28.9× · Fair price | ||
 Palantir Technologies | 255.6× · Very expensive | ||
 Oracle | 23.4× · Fair price | ||
 Palo Alto Networks | 241.4× · Very expensive |
AI analysis
An AI analyst reads ACI Worldwide's last five years, its segments, earnings, insiders and peers, and writes the bull case, the bear case and what the price expects.
Run the AI analysisFull statementsIncome, balance sheet and cash flow, year by year
Income statement
| In millions of USD | 2020 | 2021 | 2022 | 2023 | 2024 | 2025 |
|---|---|---|---|---|---|---|
| 1,294 | 1,371 | 1,422 | 1,453 | 1,594 | 1,760 | |
| 672 | 732 | 726 | 733 | 803 | 862 | |
| 145 | 210 | 204 | 220 | 308 | 330 | |
| 296 | 354 | 398 | 360 | 444 | 471 | |
| 73 | 128 | 142 | 122 | 203 | 227 | |
| 0.62 | 1.08 | 1.24 | 1.12 | 1.91 | 2.16 | |
| 51.9% | 53.4% | 51.0% | 50.5% | 50.3% | 49.0% | |
| 11.2% | 15.3% | 14.3% | 15.2% | 19.3% | 18.7% | |
| 5.6% | 9.3% | 10.0% | 8.4% | 12.7% | 12.9% |
Balance sheet
| In millions of USD | 2020 | 2021 | 2022 | 2023 | 2024 | 2025 |
|---|---|---|---|---|---|---|
| Total assets | 3,387 | 3,159 | 3,210 | 3,445 | 3,025 | 3,105 |
| Cash | 165 | 122 | 125 | 164 | 216 | 196 |
| Total debt | 1,195 | 1,109 | 1,135 | 1,076 | 956 | 849 |
| Total liabilities | 2,180 | 1,914 | 2,017 | 2,120 | 1,601 | 1,586 |
| 1,207 | 1,245 | 1,193 | 1,324 | 1,424 | 1,519 | |
| 118 | 119 | 114 | 109 | 106 | 105 | |
| 5.1% | 7.4% | 8.8% | 7.4% | 10.7% | 12.2% | |
| 6.0% | 10.3% | 11.9% | 9.2% | 14.3% | 14.9% |
Cash flow
| In millions of USD | 2020 | 2021 | 2022 | 2023 | 2024 | 2025 |
|---|---|---|---|---|---|---|
| 315 | 220 | 143 | 169 | 359 | 323 | |
| – | – | 40 | 38 | 45 | 33 | |
| – | – | 103 | 131 | 314 | 289 | |
| Dividends paid | – | – | – | – | – | – |
| 29 | 107 | 207 | 28 | 128 | 203 | |
| 30 | 27 | 30 | 25 | 41 | 71 |
Valuation
- 27.3×
- 25.2×
- 0.96
- 2.9×
- 3.5×
- 21.4×
- 14.5×
- 4.7%
- 3.7%
- 0.0%
Profitability
- 49.0%
- 18.7%
- 12.9%
- 24.5%
- 9.9%
- 6.9%
- 14.0%
- 6.6%
- 14.1%
- 9.6%
Growth
- +6.3%
- +28.4%
- −9.7%
- –
- −3.0%
Financial health
- 1.6×
- 0.57
- 27.4%
- 6.0×
- 1.53
- 1.53
- 0.58
How it ranks in Technology
Each dot is where the company stands among every company over $300M in the sector. Further right is better.
Top 34%of 974
Top 18%of 975
Top 41%of 729
Bottom 42%of 982
Top 27%of 985
What analysts expect
- Average price target
- $70.00
- Range
- $70.00 – $70.00
These targets were collected on May 20, 2026 and our analyst feed has not updated since, so we no longer compare them with today's price.
Recent earnings
Our results feed has not updated since May 21, 2026. Results reported after that are not in this table yet.
| Date | EPS | Expected | Surprise |
|---|---|---|---|
| May 7, 2026 | 0.48 | 0.29 | +65.5% |
| Feb 26, 2026 | 0.63 | 0.80 | −21.3% |
| Nov 6, 2025 | 1.09 | 0.99 | +10.1% |
| Aug 7, 2025 | 0.35 | 0.27 | +29.6% |
| May 8, 2025 | 0.51 | 0.33 | +54.5% |
| Feb 27, 2025 | 1.08 | 0.73 | +47.9% |
| Nov 7, 2024 | 0.77 | 0.42 | +83.3% |
| Aug 1, 2024 | 0.47 | 0.22 | +113.6% |
News
Tiger Brokers Brings Extended-Hours* US Options Trading to Investors WorldwideYahoo Finance · Nov 2, 2026RhymeQ Raises $2.2 Million to Make Coding for Quantum Computers Easy for Millions of Developers WorldwideYahoo Finance · Oct 22, 2026C.H. Robinson Worldwide is added to Wells Fargo's Tactical Ideas ListSeeking Alpha · Oct 1, 2026OpenAI taps SpaceX’s Brian McCarthy to lead worldwide sales - reportSeeking Alpha · Sep 18, 2026U.S. halts visa appointments worldwideSeeking Alpha · Aug 26, 2026Insider trades
Our insider feed has not updated since May 26, 2026. Trades filed after that are not listed yet.
No insider trades on file.
The seven classic investing rulebooks
2/7Passes 2 of 7. Each bar is how well the company fits that investor's published rules, from 0 to 100; 60 or more counts as a pass.
Warren Buffett
53No pass
Benjamin Graham
45No pass
Philip Fisher
68Pass
Peter Lynch
76Pass
Joel Greenblatt
27No pass
Charlie Munger
49No pass
Terry Smith
49No pass
Questions about ACI Worldwide
Is ACI Worldwide a good stock to buy?
A solid business at a fair price. 2 of the 7 famous investors' published rulebooks we apply pass it. Whether it suits you depends on your goals and the price you pay; invest-like never tells anyone to buy or sell. The AI analysis lays out the case for and against. Read the ACI Worldwide AI analysis
What does ACI Worldwide do?
ACI Worldwide, Inc., a software company, develops, markets, installs, and supports a range of software products and solutions for facilitating digital payments to banks, merchants, and billers worldwide. It is in Software - Infrastructure, based in Elkhorn, NE, United States, with 2,930 employees.
Does ACI Worldwide pay a dividend?
No. ACI Worldwide does not pay a dividend at the moment; in 2025 it returned $203 million to shareholders by buying back its own shares.
Is ACI Worldwide stock halal?
Yes. ACI Worldwide passes our halal screen: its business is permitted and its debt is 14% of its market value, under the 30% limit. How we check
How has ACI Worldwide stock done over the past year?
Up 28.9% over the past twelve months, to $61.85. It traded between $38.47 and $61.85, close to its high.
Who are ACI Worldwide's competitors?
The largest listed companies in the same industry are Microsoft, Palantir Technologies, Oracle and Palo Alto Networks. The peers table on this page compares their profit, growth and price with ACI Worldwide's.
Prices: daily closes to Nov 11, 2026. Fundamentals: company reports via invest-like data.