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$51.86 as of 2026-08-21 close
- Market cap$5.2B as of 2026-08-21
- 1-year return+8.3% 2025-08-21 close $47.87 → 2026-08-21 close $51.86
- P/E24.00 as of 2026-08-24
- Net margin+12.4% as of 2026-08-24
- Gross margin+49.1% as of 2026-08-24
- ROE+15.1% as of 2026-08-24
- Debt / equity0.55 as of 2026-08-24
- Revenue growth (YoY)+7.0% as of 2026-08-24
- Revenue CAGR (3y)+7.4% SEC XBRL
- Beta0.97 as of 2026-08-24
- Last reported earnings2026-08-06 SEC EDGAR Form 8-K (Item 2.02)
How ACIW compares in its sector
- price-to-earnings ratiomiddle range 265 covered Information Technology peers, as of 2026-08-24
- net profit marginmiddle range 405 covered Information Technology peers, as of 2026-08-24
- operating margintop 25% 405 covered Information Technology peers, as of 2026-08-24
- gross marginmiddle range 403 covered Information Technology peers, as of 2026-08-24
- return on equitymiddle range 405 covered Information Technology peers, as of 2026-08-24
- 3-year revenue CAGRmiddle range 386 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.
Top 10 scores & list membership
ACIW is not currently in any published Top 10 list. Its scores are below.
Long-term score
48.2 #574 of 987 scored · #59 of 84 in Information Technology
Financial health 60th (free cash flow margin 15.6%, debt to equity 0.5) and growth 55th (3-year revenue CAGR 7.4%, revenue growth year over year 7%); weakest is capital return (2nd, consecutive years of dividend increases 0 years).
Short-term score
36.0 #1534 of 1,704 scored · #236 of 261 in Information Technology
Momentum 47th: near the bottom of its 14-day range (oversold); catalysts 46th: the analyst consensus rating is unchanged since the prior reading; weakest is volume and participation 6th: it gapped 8.5% below the previous close and has not traded back through the level it left behind — an "unfilled gap", which describes a price range no trade has since crossed and is not a forecast that it will be crossed.
Scores as of 21 Aug 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 2.
How ACI WORLDWIDE INC looks technically
ACI WORLDWIDE INC (ACIW) is trading 12.6% 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 31 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 17, below the 25 that marks a real trend). Momentum is neutral — its 14-day RSI (a 0–100 momentum gauge) is 41, neither overbought (above 70) nor oversold (below 30). It made a new 20-day low about 2 trading days ago. It is 15.1% below its highest point of the past year.
Trend
7
| Distance from the 200-day | it is trading 12.6% above its 200-day average, the long-term trend line — a longer-term uptrend | +12.6% |
|---|---|---|
| 50-day moving average | its average price over the last 50 trading days — a short-term trend line — is $52.95 | $52.95 |
| 200-day moving average | its average price over the last 200 trading days — the long-term trend line — is $46.07 | $46.07 |
| Swing structure | its recent peaks and dips disagree — one of them is rising while the other is not, so there is no clean up or down pattern in the swings | mixed — one of the two is not confirming |
| Last swing turn | its last significant turn was a swing low 15 calendar days ago — the swings before that are what the structure reading is measured on | 15 sessions |
| Since the 50/200 cross | its 50-day average crossed above its 200-day average about 31 trading days ago — a "golden cross", a bullish long-term signal | 31 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 17, below the 25 that marks a real trend) | 16.7 |
Momentum
3
| 14-day RSI | momentum is neutral — its 14-day RSI (a 0–100 momentum gauge) is 41, neither overbought (above 70) nor oversold (below 30) | 41.0 |
|---|---|---|
| Position in its 14-day range | it is trading near the bottom of its 14-day range ($51.07 to $59.11) — its "stochastic" reading is 10 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. | 9.8 |
| Since the MACD crossed zero | MACD, a trend-momentum gauge, is in negative territory (momentum leaning bearish) | 24 sessions |
Range
12
| 52-week high | its highest closing price over the past year (about 252 trading days) was $61.08 | $61.08 |
|---|---|---|
| From the 52-week high | it is 15.1% below its 52-week high (its highest price of the past year) | -15.1% |
| Above the 52-week low | it is 36.3% above its 52-week low (its lowest price of the past year) | +36.3% |
| Below the 52-week high | it is 15.1% below its highest point of the past year | 15.1% |
| Since a 20-day breakout | it made a new 20-day low about 2 trading days ago | 2 sessions |
| Since a 55-day breakout | it made a new 55-day high about 18 trading days ago | 18 sessions |
| All-time high | its highest closing price on record is $61.08 (set on 2026-07-29) | $61.08 |
| Given back of the 52-week move | over 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 — 38% 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. | 38.3% |
| From the all-time high | it is 15.1% below its all-time high | -15.1% |
| Nearest price level | it is trading 1.3% above a support level at $51.21 — a price it turned at six times since 2024-12-18, most recently on 2026-08-06. Since 2024-08-21 it has 11 such levels below the current price and 4 above. Levels like these describe where the price has reversed or paused before; they are not a forecast of where it will go. | -1.3% |
| All-time low | its lowest closing price on record is $2.95 (set on 2008-10-27) | $2.95 |
| Above the all-time low | it is 1656.0% above its all-time low | +1,656% |
Volatility
5
| Band width vs its own 6 months | day-to-day price swings are unusually wide versus its own recent history (wider than about 86% of the past ~6 months) | 86th percentile |
|---|---|---|
| Typical daily range | in a typical session it travels about $1.81 between its high and its low — about 3.5% 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 | $1.81 |
| Bollinger bands (20-day, ±2σ) | most of its recent trading has stayed between about $49.27 and $60.62 — 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 | $49.27 – $54.95 – $60.62 |
| Typical daily range (% of price) | its price moves about 3.5% in a typical session — about typical for the 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 price | 3.5% |
| Stretch from the 200-day average | it is trading 3.2 daily ranges above its 200-day average price (12.6% 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 scale | 3.2 daily ranges above its 200-day average |
Volume
1
| Volume vs its 30-day average | trading volume is about normal versus its 30-day average | 0.52× |
|---|
Analyst
2
| Change in the average price target | analysts' average price target is unchanged from the prior reading | 0.0% |
|---|---|---|
| Change in the consensus rating | the analyst consensus rating is unchanged since the prior reading | unchanged |
Candlestick patterns
2
| Since a hammer | 6 sessions ago, after a stretch of decline, it sold off hard during the session and then closed back near its high — a "hammer", the long lower wick showing the drop was bought back before the close | 6 sessions ago |
|---|---|---|
| Since a bullish engulfing | today 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 it | today |
Price gaps
3
| Gap at the open | it opened on 2026-08-21 at essentially the same price it closed at the session before — no meaningful overnight gap | -0.0% |
|---|---|---|
| Open gap | it gapped 8.5% below the previous close 11 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 filled | a 2.2% gap down opened on 2026-08-10 has been "filled" 6 sessions ago — price traded back through the level the gap left behind, and it took 3 sessions to close | 6 sessions ago |
Price streaks
1
| Closing streak | it closed higher in its latest session, after a session that did not close higher — a single up day rather than a run | 1 session up |
|---|
Relative strength
4
| vs market, 1 month | over the past 1 month this stock lagged the market by 10.9 percentage points (the stock lost 8.5% while the market gained 2.3%) | -10.8% |
|---|---|---|
| vs market, 3 months | over the past 3 months this stock beat the market by 18.9 percentage points (the stock gained 22.0% while the market gained 3.1%) | +18.9% |
| vs market, 6 months | over the past 6 months this stock beat the market by 15.8 percentage points (the stock gained 26.9% while the market gained 11.1%) | +15.8% |
| vs market, 12 months | over the past 12 months this stock lagged the market by 12.1 percentage points (the stock gained 8.3% while the market gained 20.5%) | -12.2% |
Signal agreement
2
| Bullish technical signals | 4 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, outperforming the market over 6 months, near the bottom of its 14-day range (oversold) — these describe past price behaviour, not a forecast | 4 of 9 |
|---|---|---|
| Bearish technical signals | 2 of the 9 technical signals we can compute for it are currently in a bearish state: a fresh 20-day low, MACD momentum is negative — these describe past price behaviour, not a forecast | 2 of 9 |
Trend (Ichimoku cloud)
1
| Vs the Ichimoku cloud | trading inside the Ichimoku cloud — a band drawn from where its own highs and lows sat up to 2026-07-16 and projected forward over today's price, the zone traders read as unresolved — neither side has established a trend, and the band is where that gets settled. The band itself is moderate, spanning 7.6% of the share price. | 0.0% |
|---|
Volume-weighted price
2
| Vs this year’s average price paid | the price is 12% above the average price paid so far this year, so the typical buyer over that stretch is showing a gain. That average is $46.47 — a volume-weighted average of daily closes over 157 sessions, not a true tick-by-tick VWAP. | +11.6% |
|---|---|---|
| Vs the average paid since it last reported | the 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 $53.08 — a volume-weighted average of daily closes over 12 sessions, not a true tick-by-tick VWAP. | -2.3% |
Price levels it has turned at before
ACIW last closed at $51.86 on 2026-08-21. Since 2024-08-21 it has turned at 11 prices below its last close and 4 above; the 3 nearest below and the 3 nearest above are listed, nearest first.
| Level | Side | Distance | Evidence |
|---|---|---|---|
| $51.21 | Support | 1.3% below the last close | turned there six times · 2024-12-18 to 2026-08-06 |
| $53.70 | Resistance | 3.6% above the last close | turned there 8 times · 2024-10-15 to 2026-07-23 |
| $49.87 | Support | 3.9% below the last close | turned there four times · 2025-01-07 to 2025-12-29 |
| $48.73 | Support | 6.0% below the last close | turned there four times · 2024-10-25 to 2026-05-07 |
| $55.39 | Resistance | 6.8% above the last close | turned there three times · 2025-01-17 to 2025-05-07 |
| $57.81 | Resistance | 11.5% above the last close | turned there twice · 2025-03-03 to 2025-04-02 |
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
No Elliott-wave labelling currently fits its swings: the recent highs and lows do not satisfy the three rules a five-wave count has to obey, so there is no count to show rather than a count we are unsure about.
Read from daily closes as of 2026-08-21.
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.
Screens: Trading above the 200-day moving average · Broke down to a new 20-day low · trendless / choppy (low ADX) · beating the market · Printed a bullish engulfing pair · At the bottom of its 14-day range (stochastic below 20) | Learn: moving average · golden cross · adx · rsi · breakout · fifty two week high low
Based on daily closing prices as of 2026-08-21. Describes past price behavior only — informational, not financial advice.
Analyst consensus
- Consensus ratingStrong Buy (1.50 mean, 1=Strong Buy…5=Strong Sell) — 3 analysts
- Mean price target$67.33 range $66.00 – $70.00; median $66.00
Analyst estimates, as of 2026-08-24. 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 2026-08-24
Change over time is not available yet: it needs two readings of the same reporting period at least 30 days apart, and we have been recording these estimates since 2026-08-04. An estimate for a DIFFERENT quarter is not a revision, so a reading from before the last report is never compared with one after it.
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.
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."]
What changed in the latest 10-Q
AI-assisted comparison of ACIW's 10-Q filed 2026-05-07 against the prior one filed 2025-11-06.
Management's Discussion & Analysis (MD&A)
- Added:
- Added reference to fiscal year ended December 31, 2025 in risk factors disclosure (newer filing, 2026-05-07)
- Added mention of three months ended March 31, 2026 instead of three and nine months ended September 30, 2025
- Added specific details about ACI Connetic as 'comprehensive cloud-native payments hub solution available as a SaaS solution' launched in 2025
- Added statement that ACI 'supporting 44 global payment schemes and providing the central infrastructure to 11 central banks directly operating the scheme using ACI software'
- Added details about ISO 20022 go-live milestones in 2024 and 2025 across major wires networks (Fedwire, Swift, CHAPS, CHIPS)
- Added statement that ACI solutions 'regularly processing more than two-thirds of Fedwire payments traffic and approximately 15% of Swift payments traffic globally'
- Added reference to partnership with IBM and Red Hat for ACI Connetic cloud deployment
- Added reference to Microsoft Azure and Amazon Web Services as public cloud deployment options
- Added reference to Cloud Native Computing Foundation principles for ACI Connetic
- Removed:
- Removed reference to fiscal year ended December 31, 2024 in risk factors disclosure (older filing, 2025-11-06)
- Removed descriptor 'nearly 50 years' and replaced with '50 years'
- Removed phrase 'an innovator in global payments technology' from Overview opening
- Removed detailed explanation of real-time payments adoption section entirely
- Removed reference to 'Unified Payments Interface (UPI) in India'
- Removed references to specific countries' real-time payment initiatives (United Kingdom, Australia, Brazil, Malaysia, Singapore, Thailand, United States, Latin America details)
- Removed references to TCH Real-Time Payments and FedNow Service
- Removed reference to 'Prime Time for Real-Time report' by ACI
- Removed reference to strategic partnerships with Mastercard and Mindgate Solutions
- Removed reference to 'third-party digital payment processors' (changed to 'third-party electronic payment processors')
- Removed reference to 'local independent reseller and/or distributor networks' (changed to 'local independent resellers and/or distributor networks')
- Reworded:
- Changed 'ACI Worldwide, an innovator in global payments technology, delivers' to 'ACI Worldwide delivers' in Overview
- Changed 'nearly 50 years of trusted payments expertise' to '50 years of trusted payments expertise'
- Changed 'third-party digital payment processors' to 'third-party electronic payment processors'
- Changed 'local independent reseller and/or distributor networks' to 'local independent resellers and/or distributor networks'
- Changed description of digital payment adoption from 'propelled by the digitization of cash, financial inclusion efforts...' to 'driven by the increased adoption of instant payments and other financial inclusion efforts...'
- Changed focus from 'licensing of new systems to customers whose older systems cannot handle increased volume' to 'licensing of payment technologies to banks and intermediaries seeking to take advantage of that growth'
- Removed entire separate 'Adoption of real-time payments' section and consolidated key concepts into revised 'Increasing digital payment transaction volumes' section
- Notes:
- The newer filing appears truncated and ends mid-section at 'Payments Intelligenc', making complete comparison impossible for sections beyond this point
- The older filing references period ended September 30, 2025 while newer references March 31, 2026, representing different quarterly periods
- The document structure appears to consolidate what were two separate trend sections in the older filing into expanded discussion in the newer filing
Risk Factors
The two filings could not be meaningfully compared for this section.
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.
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 filingsOnly 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.
Congressional 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.
Congressional trading disclosures →Institutional ownership (13F)
5 institutional 13F filers reported holding ACIW as of 2026-03-31 (quarter-end position, filed within 45 days).
- Distinct 13F filers 5
- Reported shares held 23,754,440
- Reported value $974,169,585
reported quarterly holdings change (2025-12-31 → 2026-03-31): 0 new, 4 increased, 1 decreased, 1 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.
Short interest (FINRA)
ACIW had 5,736,863 shares of reported short interest as of the 2026-07-31 FINRA settlement date (delayed, bi-monthly; not real-time).
ACIW had 5.68% of its shares outstanding sold short as of the 2026-07-31 FINRA settlement date (percent of FLOAT would be higher — float is not disclosed in the source). FINRA reported 6.39 days to cover at the same settlement.
- Reported short interest (shares) 5,736,863
- Short interest (% of shares outstanding) 5.68%
- Prior settlement (shares) 4,739,127
- Reported change 21.05%
- Days to cover (reported) 6.39
Reported to FINRA as of the 2026-07-31 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.
Competitors & peers
- Fiserv
- FIS (FIS)
- Jack Henry & Associates (JKHY)
- PayPal (PYPL)
- Block
- Adyen (ADYE)
- Visa (V)
- Mastercard (MA)
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 Congressional 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 41, in the neutral middle (as of 2026-08-21). RSI describes recent price momentum, not a forecast — informational only, not financial advice.
Where does stocks-llm's data on ACIW come from?
Fundamentals and prices come from market data, as of 2026-08-24; 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: market data, as of 2026-08-24. Filings: SEC EDGAR. Prices are delayed daily-close data.
Last updated 2026-08-21.
Informational only — NOT financial advice. All figures are delayed daily-close data from SEC EDGAR & market data, shown with their as-of date.