ACI Worldwide Inc (ACIW) Stock Analysis — PE Ratio, PS Ratio, Intrinsic Value & 2030 Price Target
ACI Worldwide Inc stock (ACIW) is currently trading at $40.04. ACI Worldwide Inc PE ratio is 18.98. ACI Worldwide Inc PS ratio (Price-to-Sales) is 2.33. Analyst consensus price target for ACIW is $64.00. WallStSmart rates ACIW as Hold.
- ACIW PE ratio analysis and historical PE chart
- ACIW PS ratio (Price-to-Sales) history and trend
- ACIW intrinsic value — DCF, Graham Number, EPV models
- ACIW stock price prediction 2025 2026 2027 2028 2029 2030
- ACIW fair value vs current price
- ACIW insider transactions and insider buying
- Is ACIW undervalued or overvalued?
- ACI Worldwide Inc financial analysis — revenue, earnings, cash flow
- ACIW Piotroski F-Score and Altman Z-Score
- ACIW analyst price target and Smart Rating
ACI Worldwide Inc
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ACIW Intrinsic Value Analysis for Value Investors
Benjamin Graham Formula · ACI Worldwide Inc (ACIW)
ACIW trades 182% above its Graham fair value of $14.28, indicating the stock may be overvalued at current levels.
Based on Benjamin Graham Formula. Growth rate capped at 25%. For informational purposes only. Not financial advice.
Smart Analysis
ACI Worldwide Inc (ACIW) · 10 metrics scored
Smart Score
Category Performance
WallStSmart pulls financial metrics like revenue growth, profit margins, and valuation ratios and scores each one from 0 to 10 based on how strong or weak it is. Those 10 scores are grouped into 4 categories: Growth, Profitability, Valuation, and Quality — which form the 4 axes of the spider chart you see. The categories are then combined into a final score out of 100, but not equally. Growth and Profitability together count for 60% of the total, because a fast-growing profitable business matters more than just a cheap one. That final number maps to a rating (Strong Buy, Buy, Hold, Avoid) and a letter grade, giving you one clear Stock Rating.
Investment Thesis
Strong fundamentals in operating margin, institutional own.. Concerns around eps growth. Fundamentals are solid but monitor weak areas for improvement.
ACI Worldwide Inc (ACIW) Key Strengths (4)
103.08% of shares held by major funds and institutions
Strong operational efficiency: $23 kept per $100 revenue
Mid-cap company balancing growth potential with stability
Solid profitability: $15 profit per $100 equity
Supporting Valuation Data
ACI Worldwide Inc (ACIW) Areas to Watch (6)
Earnings declining -33.30%, profits shrinking
Modest revenue growth at 6.30%
Growth is fairly priced, not cheap, not expensive
Revenue is fairly priced at 2.33x sales
Fairly priced relative to book value
Decent profitability, keeps $13 per $100 revenue
ACI Worldwide Inc (ACIW) Detailed Analysis Report
Overall Assessment
This company scores 59/100 in our Smart Analysis, earning a C grade. Out of 10 metrics analyzed, 4 register as strengths (avg 8.0/10) while 6 fall into concern territory (avg 4.7/10). The category breakdown reveals uneven performance, with some areas requiring attention.
The Bull Case
The strongest argument centers on Institutional Own., Operating Margin, Market Cap. Profitability is solid with Return on Equity at 15.40%, Operating Margin at 23.10%.
The Bear Case
The primary concerns are EPS Growth, Revenue Growth, PEG Ratio. Some valuation metrics including PEG Ratio (1.77), Price/Sales (2.33), Price/Book (2.64) suggest expensive pricing. Growth concerns include Revenue Growth at 6.30%, EPS Growth at -33.30%, which may limit upside. Profitability pressure is visible in Profit Margin at 12.90%.
Key Dynamics to Monitor
Three factors to monitor going forward. First, whether EPS Growth improves, as this is the primary drag on the overall score. Second, margin trajectory, with Return on Equity at 15.40% currently healthy but needing to be sustained. Third, growth sustainability, with Revenue Growth at 6.30% needing to reaccelerate.
Risk Considerations
Based on the metric profile, this is a moderate-to-high risk investment. There are more areas of concern than strength, warranting a more conservative position size. Investors should size positions according to their risk tolerance and maintain diversification.
Bottom Line
Mixed fundamentals with both positives (Institutional Own., Operating Margin) and negatives (EPS Growth, Revenue Growth). A cautious approach is warranted. Monitor for improvement in weak areas before increasing conviction.
Disclaimer: Smart Analysis is a scoring system developed by WallStSmart Team. Scores update daily using multi-model valuation framework. Always conduct your own research and consult with financial advisors before making investment decisions.
ACIW Price-to-Sales(PS) Ratio Chart
Historical valuation based on market cap ÷ trailing 12-month revenue
ACIW's Price-to-Sales ratio of 2.33x trades at a deep discount to its historical average of 5.41x (21th percentile). The current valuation is 83% below its historical high of 13.72x set in Jun 2006, and 33% above its historical low of 1.76x in Jan 2016.
Compare ACIW with Competitors
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Data-driven financial summary for ACI Worldwide Inc (ACIW) · TECHNOLOGY › SOFTWARE - INFRASTRUCTURE
The Big Picture
ACI Worldwide Inc operates as a stable business with moderate growth and solid fundamentals. Revenue reached 1.8B with 6% growth year-over-year. Profit margins of 12.9% are healthy, with room for further expansion as the business scales.
Key Findings
Generating 117M in free cash flow and 122M in operating cash flow. Earnings are translating into actual cash generation.
What to Watch Next
Margin expansion: can ACI Worldwide Inc push profit margins above 15% as the business scales?
Debt management: total debt of 915M is significantly higher than cash (199M). Monitor refinancing risk.
Sector dynamics: monitor SOFTWARE - INFRASTRUCTURE industry trends, competitive moves, and regulatory changes that could impact ACI Worldwide Inc.
Bottom Line
ACI Worldwide Inc offers stability with moderate growth and solid fundamentals. The valuation may present an opportunity for patient investors, though limited growth means returns will likely come from dividends and modest capital appreciation rather than explosive gains.
This synopsis is generated from publicly available financial data. It is not financial advice. Always conduct your own research and consult a qualified financial advisor before making investment decisions.
Insider Transactions
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About ACI Worldwide Inc(ACIW)
NASDAQ
TECHNOLOGY
SOFTWARE - INFRASTRUCTURE
USA
ACI Worldwide, Inc., a software company, develops, markets, installs and supports a variety of software products and solutions to facilitate electronic payments to banks, financial intermediaries, merchants and invoice issuers globally. The company is headquartered in Naples, Florida.