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ACI WORLDWIDE INC (ACIW)

Information Technology · Financial Software / Payment Processing · NASDAQ

ACI Worldwide delivers mission-critical real-time payment software that powers the digital transactions of global banks, merchants, and billers.

What ACI WORLDWIDE INC does

ACI Worldwide provides real-time digital payment software and solutions that enable banks, merchants, and billers to process and manage digital payments. The company's platform supports a wide range of payment types, including credit, debit, digital wallets, and account-to-account (A2A) transfers, through its cloud-based SaaS and platform-as-a-service (PaaS) offerings.

Themes: Fintech, Real-time payments, Digital payments infrastructure, SaaS / PaaS payments, Fraud and risk management, Cloud migration for banking

Fundamentals

  • Price$51.07 as of 2026-10-08 close
  • Market cap$5.2B as of 2026-08-03 (share count; price 2026-10-08)
  • 1-year return-3.4% 2025-10-08 close $52.89 → 2026-10-08 close $51.07
  • P/E23.37 as of 2026-10-08
  • Net margin+12.9% FY2025, SEC XBRL
  • ROE+14.9% FY2025, SEC XBRL
  • Debt / equity0.55 as of 2026-09-03
  • Revenue growth (YoY)+7.0% as of 2026-09-03
  • Revenue CAGR (3y)+7.4% SEC XBRL
  • Beta0.96 as of 2026-09-03
  • Last reported earnings2026-08-06 SEC EDGAR Form 8-K (Item 2.02)

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How ACIW compares in its sector

  • price-to-earnings ratiomiddle range 253 covered Information Technology peers, as of 2026-10-08
  • net profit marginmiddle range 380 covered Information Technology peers, as of 2026-09-03
  • operating margintop 25% 375 covered Information Technology peers, as of 2026-09-03
  • return on equitymiddle range 370 covered Information Technology peers, as of 2026-09-03
  • 3-year revenue CAGRmiddle range 385 covered Information Technology peers
  • free cash flow (absolute dollars, latest fiscal year)middle range 382 covered Information Technology peers, as of FY2025

Position among covered Information Technology companies that report each metric (minimum 5 peers). A relative position within our covered catalog — not a valuation, quality, or investment judgment. A higher percentile is simply a higher value (for P/E, more expensive on earnings — never "better"). Informational only.

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Top 10 scores & list membership

ACIW is not currently in any published Top 10 list. Its scores are below.

Top 10 score

56.0 #418 of 1,379 scored · #72 of 203 in Information Technology

  • Profitability66.2
  • Growth46.4
  • Financial health61.6
  • Valuation61.1
  • Capital return41.9
  • Trend54.2

Profitability 66th (operating margin 18.7%, return on equity 14.9%) and financial health 62nd (free cash flow margin 17.6%, debt to equity 0.5); weakest is capital return (42nd, consecutive years of dividend increases 0 years, net share count bought back over the year 1.6).

Scores as of 8 Oct 2026. Each bar is a percentile: how this company ranked against every company the score ranked, 0–100. A list is a published formula and its output, not a recommendation. Method version 4.

How ACI WORLDWIDE INC looks technically

ACI WORLDWIDE INC (ACIW) is trading 9.2% above its 200-day average, the long-term trend line — a longer-term uptrend. Its 50-day average crossed above its 200-day average about 64 trading days ago — a "golden cross", a bullish long-term signal. There is no clear trend right now — the price is choppy (ADX, a 0–100 trend-strength gauge, is 18, below the 25 that marks a real trend). Momentum is neutral — its 14-day RSI (a 0–100 momentum gauge) is 52, neither overbought (above 70) nor oversold (below 30). MACD, a trend-momentum gauge, turned bullish about 5 trading days ago (its momentum flipped positive). It made a new 20-day low about 8 trading days ago. It is 16.4% below its highest point of the past year.

Trend

8
Distance from the 200-dayit is trading 9.2% above its 200-day average, the long-term trend line — a longer-term uptrend+9.2%
50-day moving averageits average price over the last 50 trading days — a short-term trend line — is $52.23$52.23
200-day moving averageits average price over the last 200 trading days — the long-term trend line — is $46.76$46.76
Swing structureeach recent peak has been lower than the one before it and each dip deeper — the pattern chart-watchers call a downtrend, which describes where price has already been and not where it goes nextlower highs and lower lows
Last swing turnits last significant turn was a swing low 8 calendar days ago — the swings before that are what the structure reading is measured on8 sessions
Wave structureits recent swings can be read as a completed three-part downward correction — a pullback in the A-B-C shape Elliott-wave chartists use; the labelling fails if price closes below 47.81. It is the only labelling that fits, and it describes the swings already printed, not what comes next.possible three-wave downward correction, complete
Since the 50/200 crossits 50-day average crossed above its 200-day average about 64 trading days ago — a "golden cross", a bullish long-term signal64 sessions
Trend strength (14-day ADX)there is no clear trend right now — the price is choppy (ADX, a 0–100 trend-strength gauge, is 18, below the 25 that marks a real trend)18.3

Momentum

3
14-day RSImomentum is neutral — its 14-day RSI (a 0–100 momentum gauge) is 52, neither overbought (above 70) nor oversold (below 30)51.6
Position in its 14-day rangeit is trading near the top of its 14-day range ($47.81 to $51.65) — its "stochastic" reading is 85 out of 100, where 0 would mean closing exactly at the 14-session low and 100 exactly at the high. This measures WHERE the price sits inside its recent range, which is a different question from the RSI beside it: RSI is a momentum gauge, measuring how FAST the price has been moving, so a stock can drift quietly to the bottom of its range with an ordinary RSI, or fall sharply and still sit in the middle. It has been climbing within that range over the last few sessions.84.9
Since the MACD crossed zeroMACD, a trend-momentum gauge, turned bullish about 5 trading days ago (its momentum flipped positive)5 sessions

Range

12
52-week highits highest closing price over the past year (about 252 trading days) was $61.08$61.08
From the 52-week highit is 16.4% below its 52-week high (its highest price of the past year)-16.4%
Above the 52-week lowit is 34.2% above its 52-week low (its lowest price of the past year)+34.2%
Below the 52-week highit is 16.4% below its highest point of the past year16.4%
Since a 20-day breakoutit made a new 20-day low about 8 trading days ago8 sessions
Since a 55-day breakoutit made a new 55-day low about 8 trading days ago8 sessions
All-time highits highest closing price on record is $61.08 (set on 2026-07-29)$61.08
Given back of the 52-week moveover the past year its closes ranged ($38.47 to $60.18), and it has given back roughly a third of its rise from last year’s low — 42% of it. Chart-watchers call 61.8%-65% given back the "golden pocket" — for this company that is $46.07 to $46.76. It is watched widely enough that orders cluster there, which is the honest reason it matters; it is not a forecast.42.0%
From the all-time highit is 16.4% below its all-time high-16.4%
Nearest price levelit is sitting right on a resistance level at $51.32 — a price it turned at six times since 2024-12-18, most recently on 2026-08-20. Since 2024-10-08 it has 10 such levels below the current price and 5 above. Levels like these describe where the price has reversed or paused before; they are not a forecast of where it will go.+0.5%
All-time lowits lowest closing price on record is $2.95 (set on 2008-10-27)$2.95
Above the all-time lowit is 1629.2% above its all-time low+1,629%

Volatility

5
Band width vs its own 6 monthsday-to-day price swings are narrower than usual versus its own recent 6-month history (tighter than about 82% of it)18th percentile
Typical daily rangein a typical session it travels about $1.27 between its high and its low — about 2.5% of its price. That is its "average true range" over the last 14 sessions, which also counts the distance from the previous close, so a day that opens well away from yesterday counts as the large move it was$1.27
Bollinger bands (20-day, ±2σ)most of its recent trading has stayed between about $48.08 and $52.54 — the "Bollinger bands", a range drawn two standard deviations either side of its 20-day average price, which widens when the stock gets more volatile and narrows when it settles$48.08 – $50.31 – $52.54
Typical daily range (% of price)its price moves about 2.5% in a typical session — calmer than most companies we cover. This is the average gap between a session's high and low over the last 14 sessions, counting overnight moves, expressed against the current price so it can be compared with companies trading at any price2.5%
Stretch from the 200-day averageit is trading 3.4 daily ranges above its 200-day average price (9.2% above it in plain percentage terms) — a way of asking how far it has stretched from its own average in units of how far it normally moves in a day, so a calm company and a jumpy one can be compared on the same scale3.4 daily ranges above its 200-day average

Volume

1
Volume vs its 30-day averagetrading volume is about normal versus its 30-day average0.65×

Analyst

2
Change in the average price targetanalysts' average price target is unchanged from the prior reading0.0%
Change in the consensus ratingnot available for this company yetn/a

Candlestick patterns

1
Since a bullish engulfing6 sessions ago it opened below the previous session's close and finished above that session's open — a "bullish engulfing" pair, where one up day more than undid the down day before it6 sessions ago

Price gaps

3
Gap at the openit opened on 2026-10-08 0.2% below the previous session's close — an overnight gap, the part of the move that happened while the market was shut, and traded back through that level before the close-0.2%
Open gapit gapped 8.5% below the previous close 44 sessions ago and has not traded back through the level it left behind at 57.79 — an "unfilled gap", which describes a price range no trade has since crossed and is not a forecast that it will be crossed-8.5%
Gap filleda 2.0% gap down opened on 2026-09-28 has been "filled" 5 sessions ago — price traded back through the level the gap left behind, and it took 3 sessions to close5 sessions ago

Price streaks

1
Closing streakit closed higher in its latest session, after a session that did not close higher — a single up day rather than a run1 session up

Relative strength

4
vs market, 1 monthover the past 1 month this stock lagged the market by 2.8 percentage points (the stock lost 1.8% while the market gained 1.0%)-2.8%
vs market, 3 monthsover the past 3 months this stock lagged the market by 12.4 percentage points (the stock lost 8.6% while the market gained 3.8%)-12.4%
vs market, 6 monthsover the past 6 months this stock beat the market by 6.7 percentage points (the stock gained 24.2% while the market gained 17.5%)+6.7%
vs market, 12 monthsover the past 12 months this stock lagged the market by 18.4 percentage points (the stock lost 3.4% while the market gained 15.0%)-18.4%

Signal agreement

2
Bullish technical signals4 of the 9 technical signals we can compute for it are currently in a bullish state: a "golden cross" — its 50-day average is above its 200-day, trading above its 200-day average, MACD momentum is positive, outperforming the market over 6 months — these describe past price behaviour, not a forecast4 of 9
Bearish technical signals2 of the 9 technical signals we can compute for it are currently in a bearish state: near the top of its 14-day range (overbought), trading below the Ichimoku cloud — these describe past price behaviour, not a forecast2 of 9

Trend (Ichimoku cloud)

1
Vs the Ichimoku cloudtrading 1.4% below the Ichimoku cloud — a band drawn from where its own highs and lows sat up to 2026-09-01 and projected forward over today's price, the side traders read as an established downtrend, with the band above acting as the level that would have to be cleared. The band itself is moderate, spanning 5.1% of the share price.-1.4%

Volume-weighted price

2
Vs this year’s average price paidthe price is 8% above the average price paid so far this year, so the typical buyer over that stretch is showing a gain. That average is $47.20 — a volume-weighted average of daily closes over 190 sessions, not a true tick-by-tick VWAP.+8.2%
Vs the average paid since it last reportedthe price is 2% below the average price paid since it last reported on 2026-08-06 (its 10-Q), so the typical buyer over that stretch is under water. That average is $51.91 — a volume-weighted average of daily closes over 45 sessions, not a true tick-by-tick VWAP.-1.6%

Price levels it has turned at before

ACIW last closed at $51.07 on 2026-10-08. Since 2024-10-08 it has turned at 10 prices below its last close and 5 above; the 3 nearest below and the 3 nearest above are listed, nearest first.

LevelSideDistanceEvidence
$51.32Resistance0.5% above the last closeturned there six times · 2024-12-18 to 2026-08-20
$50.12Support1.9% below the last closeturned there six times · 2025-01-07 to 2026-09-02
$48.73Support4.6% below the last closeturned there four times · 2024-10-25 to 2026-05-07
$53.69Resistance5.1% above the last closeturned there 9 times · 2024-10-15 to 2026-09-14
$47.73Support6.5% below the last closeturned there five times · 2025-06-09 to 2026-09-30
$55.19Resistance8.1% above the last closeturned there four times · 2025-01-17 to 2026-08-28

A level is a price this company reversed or paused at more than once — they describe past behaviour, not a forecast of where the price will go.

Wave structure

Its recent swings can be read as a three-part downward correction — the A-B-C shape chartists use for a pullback — now complete.

This labelling fails — stops being a possible reading at all — if it closes below $47.81.

It is the only labelling that fits these swings, though its proportions are not the textbook ones.

This reading has stood for 2 trading days, since 2026-10-07.

Read from daily closes as of 2026-10-08.

An Elliott-wave count describes the swings already printed and the level that would disprove it. It is not a forecast, a target, or advice.

Based on daily closing prices as of 2026-10-08. Describes past price behavior only — informational, not financial advice.

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Analyst consensus

  • Mean price target$67.33 range $66.00 – $70.00; median $66.00

Analyst estimates, as of 2026-10-06. These are third-party analyst opinions and price targets, aggregated — not a recommendation, prediction, or advice from stocks-llm. Informational only.

Analyst EPS estimate for ACIW

  • Consensus EPS estimate$0.61 next reporting period, as of 2026-10-06
  • Estimate change, 30 days$0.00 (0.0%) from $0.61, on 2026-09-05, 31-day window
  • Readings revised upward22% of 9 comparable readings

The consensus estimate for the next reporting period, and how it has moved between readings of that SAME period. A change is measured only between readings estimating one period — when a company reports, the consensus moves to the next quarter and the two numbers are not comparable. Informational only, not a forecast and not advice.

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Key risks (from latest filing)

["Dependence on a concentrated customer base of financial institutions and merchants.","High level of competition in the rapidly evolving digital payments and fintech software industry.","Risks associated with cybersecurity threats, data breaches, and maintaining high uptime for critical payment systems."]

See ACIW's biggest risks from its latest 10-Q →

What changed in the latest 10-Q

AI-assisted comparison of ACIW's 10-Q filed 2026-08-06 against the prior one filed 2026-05-07.

Management's Discussion & Analysis (MD&A)

  • Reworded:
    • The newer filing (2026-08-06) states "Results for the three and six months ended June 30, 2026, are not necessarily indicative of results that may be attained in the future." The older filing (2026-05-07) states "Results for the three months ended March 31, 2026, are not necessarily indicative of results that may be attained in the future."
  • Notes:
    • Newer text appears truncated at "Payments Intelligence and Artifi" and older text at "Payments Intelligenc", so content beyond that point could not be compared.
    • The newer filing includes internal page number "26" and older filing includes "20" and a "Table of contents" marker; these formatting differences were not treated as substantive changes.

Risk Factors

  • Added:
    • In the newer filing dated 2026-08-06, the repurchase table covers the three months ended June 30, 2026 and reports the following new rows: April 1, 2026 through April 30, 2026 with 506,470 total shares purchased, average price paid per share of $41.82, 247,488 shares purchased as part of publicly announced program; May 1, 2026 through May 31, 2026 with 250,962 total shares purchased, average price paid per share of $43.05, 231,342 shares purchased as part of publicly announced program; June 1, 2026 through June 30, 2026 with 555,681 total shares purchased, average price paid per share of $44.49, 469,099 shares purchased as part of publicly announced program; and a total of 1,313,113 shares purchased.
    • In the newer filing dated 2026-08-06, footnote (1) states: 'Pursuant to our 2020 Equity and Performance Incentive Plan, we granted TSRs and RSUs. Under each arrangement, shares are issued without direct cost to the employee. During the three months ended June 30, 2026, 1,089,868 shares of TSRs and RSUs vested. We withheld 365,184 of those shares to pay the employees' portion of the applicable minimum payroll withholding.'
    • In the newer filing dated 2026-08-06, the disclosure states: 'As of June 30, 2026, the maximum remaining amount authorized for purchase under the stock repurchase program was approximately $349.0 million.'
    • In the newer filing dated 2026-08-06, the Rule 10b5-1 Plans disclosure states: 'None of the Company's directors or officers adopted, modified, or terminated a Rule 10b5-1 trading arrangement or a non-Rule 10b5-1 trading arrangement during the three months ended June 30, 2026.'
  • Removed:
    • In the older filing dated 2026-05-07, the repurchase table covers the three months ended March 31, 2026 and reports the following rows: January 1, 2026 through January 31, 2026 with 580,446 total shares purchased, average price paid per share of $44.55, 579,688 shares purchased as part of publicly announced program; February 1, 2026 through February 28, 2026 with 720,923 total shares purchased, average price paid per share of $40.68, 699,507 shares purchased as part of publicly announced program; March 1, 2026 through March 31, 2026 with 339,755 total shares purchased, average price paid per share of $41.01, 270,096 shares purchased as part of publicly announced program; and a total of 1,641,124 shares purchased.
    • In the older filing dated 2026-05-07, footnote (1) states: 'Pursuant to our 2020 Equity and Performance Incentive Plan, we granted RSUs. Under each arrangement, shares are issued without direct cost to the employee. During the three months ended March 31, 2026, 262,780 shares of RSUs vested. We withheld 91,833 of these RSUs to pay the employees' portion of the applicable minimum payroll withholding taxes.'
    • In the older filing dated 2026-05-07, the disclosure states: 'As of March 31, 2026, the maximum remaining amount authorized for purchase under the stock repurchase program was approximately $390.5 million.'
    • In the older filing dated 2026-05-07, the Rule 10b5-1 Plans disclosure states: 'None of the Company's directors or officers adopted, modified, or terminated a Rule 10b5-1 trading arrangement or a non-Rule 10b5-1 trading arrangement during the three months ended March 31, 2026.'
  • Reworded:
    • The fiscal quarter referenced in the share repurchase table changed from the three months ended March 31, 2026 (newer filing dated 2026-05-07) to the three months ended June 30, 2026 (newer filing dated 2026-08-06).
    • The approximate dollar value of shares that may yet be purchased under the program changed from approximately $390.5 million as of March 31, 2026 (newer filing dated 2026-05-07) to approximately $349.0 million as of June 30, 2026 (newer filing dated 2026-08-06).
    • The footnote description of equity awards changed from 'we granted RSUs' (older filing dated 2026-05-07) to 'we granted TSRs and RSUs' (newer filing dated 2026-08-06).
    • The footnote description of vested shares changed from '262,780 shares of RSUs vested. We withheld 91,833 of these RSUs' (older filing dated 2026-05-07) to '1,089,868 shares of TSRs and RSUs vested. We withheld 365,184 of those shares' (newer filing dated 2026-08-06).
  • Notes:
    • This comparison is limited to the source texts provided; no other sections or exhibits were reviewed.

AI-assisted comparison of two SEC filing sections. It describes wording and theme changes only, makes no materiality, legal, or investment judgement, and is not financial advice. Informational only — not financial advice.

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Insider activity (SEC Form 4)

No open-market insider purchases or sales are on record for ACIW — recent Form 4 activity was compensation-related (awards, option exercises, or tax withholding), not open-market buying or selling.

View full insider trading history → View SEC Form 3/4/5 filings

Only open-market purchases (SEC code P) and sales (code S) are counted here. Option exercises, vesting/awards, gifts, and shares withheld for taxes are excluded — they are compensation or mechanical, not open-market conviction. Sales may be planned and non-discretionary (e.g. a Rule 10b5-1 plan) and are not necessarily bearish; open-market buying is not a recommendation to buy. Informational only — not financial advice.

U.S. House trading disclosures

U.S. House members publicly disclose their own, their spouse's, and dependent children's stock transactions under the STOCK Act. We hold 4 matched disclosures for ACIW from U.S. House Clerk Periodic Transaction Report filings.

U.S. House trading disclosures →

Institutional ownership (13F)

6 institutional 13F filers reported holding ACIW as of 2026-06-30 (quarter-end position, filed within 45 days).

  • Distinct 13F filers 6
  • Reported shares held 28,354,543
  • Reported value $1,425,902,616

reported quarterly holdings change (2026-03-31 → 2026-06-30): 1 new, 3 increased, 2 decreased, 0 exited. Change counts cover only managers that filed 13F reports in BOTH quarters, derived between two quarter-end snapshots — not same-day trades; a single manager is never said to have "bought" or "sold".

Institutional holdings are quarter-end long positions reported on SEC Form 13F-HR, filed up to 45 days after the quarter ends — they are delayed, are not real-time trades, exclude short positions and most non-US securities, and are not investment advice. Any increase/decrease is a reported change between two quarterly snapshots, not a same-day purchase or sale. These are quarter-end snapshots from the 13F filings on SEC EDGAR, filed within 45 days — not real-time, and any change is a difference between two quarterly reports, not a same-day trade. Informational only — not financial advice.

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Short interest (FINRA)

ACIW had 6,427,049 shares of reported short interest as of the 2026-09-15 FINRA settlement date (delayed, bi-monthly; not real-time).

ACIW had 6.37% of its shares outstanding sold short as of the 2026-09-15 FINRA settlement date (percent of FLOAT would be higher — float is not disclosed in the source). FINRA reported 8.83 days to cover at the same settlement.

  • Reported short interest (shares) 6,427,049
  • Short interest (% of shares outstanding) 6.37%
  • Prior settlement (shares) 6,305,177
  • Reported change 1.93%
  • Days to cover (reported) 8.83

Reported to FINRA as of the 2026-09-15 settlement date. Short interest is reported to FINRA and published on a delayed, bi-monthly schedule (as of a settlement date, disseminated roughly eight business days later) — it is NOT real-time, does not cover every venue or all US trading, and is not a short-squeeze prediction or investment advice. Days-to-cover is the value FINRA reports; percent of float is not shown because the source file carries no share-count denominator — where a percent appears it is of shares OUTSTANDING, the larger base, and is therefore a floor on percent of float. Informational only — not financial advice.

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Competitors & peers

AI-enriched competitor set. Linked names are companies covered by stocks-llm; other named peers are shown for reference only.

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Frequently asked questions

What does ACI WORLDWIDE INC (ACIW) do?

ACI Worldwide provides real-time digital payment software and solutions that enable banks, merchants, and billers to process and manage digital payments. The company's platform supports a wide range of payment types, including credit, debit, digital wallets, and account-to-account (A2A) transfers, through its cloud-based SaaS and platform-as-a-service (PaaS) offerings.

What sector is ACI WORLDWIDE INC (ACIW) in?

ACI WORLDWIDE INC (ACIW) is classified in the Information Technology sector. Its industry is Financial Software / Payment Processing. It trades on NASDAQ.

Who are ACI WORLDWIDE INC's (ACIW) competitors?

Notable peers of ACI WORLDWIDE INC (ACIW) include Fiserv, FIS, Jack Henry & Associates, PayPal and Block. This peer set is informational only — not financial advice.

Has there been recent U.S. House stock trading in ACIW?

Yes — we hold 4 matched STOCK Act disclosures for ACIW from U.S. House Clerk Periodic Transaction Report filings. These are legally-required disclosures (often filed 30–45 days after the trade), may belong to a U.S. House member, their spouse, or a dependent child, and are not an indicator of company performance or investment advice.

Is ACI WORLDWIDE INC (ACIW) overbought or oversold right now?

ACI WORLDWIDE INC (ACIW) is currently neither overbought nor oversold — its 14-day RSI (a 0–100 momentum gauge) is 52, in the neutral middle (as of 2026-10-08). RSI describes recent price momentum, not a forecast — informational only, not financial advice.

Where does stocks-llm's data on ACIW come from?

Fundamentals come from SEC XBRL company filings for the figures marked with a fiscal year, and market data, as of 2026-09-03 for the rest; prices are market data, as of 2026-09-03; company filings and profile facts come from SEC EDGAR. All figures are delayed daily-close data shown with their as-of date — informational only, not financial advice.

Fundamentals: SEC XBRL company filings for the figures marked with a fiscal year, and market data, as of 2026-09-03 for the rest. Filings: SEC EDGAR. Prices are delayed daily-close data.

Last updated 2026-10-08.

Informational only — NOT financial advice. All figures are delayed daily-close data from SEC EDGAR & market data, shown with their as-of date.