ACIW vs PAY
ACIW: ACI Worldwide delivers mission-critical real-time payment software that powers the digital transactions of global banks, merchants, and billers. PAY: Paymentus is a leading provider of cloud-based bill presentment and payment solutions that streamline how organizations receive and process consumer payments.
Side-by-side fundamentals
| Metric | ACIW | PAY | Edge |
|---|---|---|---|
| Price as of 2026-10-08 close | $51.07 | $31.92 | |
| Market cap | $5.2B | $4.0B | |
| P/E as of 2026-10-08 | 23.37 | 48.60 | ACIW lower |
| PEG as of 2026-10-08, 3-year EPS CAGR to FY2025 | 1.15 | n/a | |
| Net margin FY2025, SEC XBRL | +12.9% | +5.6% | ACIW higher |
| Gross margin FY2025, SEC XBRL | n/a | +24.8% | |
| Operating margin FY2025, SEC XBRL | +18.7% | +6.3% | ACIW higher |
| ROE FY2025, SEC XBRL | +14.9% | +11.9% | ACIW higher |
| ROA FY2025, SEC XBRL | +7.3% | +10.0% | PAY higher |
| Debt / equity as of 2026-09-03 | 0.55 | 0.00 | PAY lower |
| Revenue growth (YoY) as of 2026-09-03 | +7.0% | +30.2% | PAY higher |
| Revenue CAGR (3y) SEC XBRL | +7.4% | +34.0% | PAY higher |
| Dividend streak (yrs) SEC XBRL | 0 | 0 | Tie |
| Beta as of 2026-09-03 | 0.96 | 1.10 | |
| 1-year return as of 2026-10-08 close | -3.4% | -0.1% | PAY higher |
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; "Edge" cells are a pure numeric comparison, not a recommendation.