ACIW vs PAY
ACIW: ACI Worldwide powers the global payments ecosystem with intelligent orchestration software that handles authentication, switching, settlement, and fraud detection for banks, merchants, and billers across any payment channel and network. PAY: Paymentus provides a cloud-based, omni-channel payment platform that enables organizations to streamline their billing and payment processes.
Side-by-side fundamentals
| Metric | ACIW | PAY | Edge |
|---|---|---|---|
| Price as of 2026-07-22 close | $54.71 | $29.05 | |
| Market cap as of 2026-07-23 | $5.8B | $3.7B | |
| P/E as of 2026-07-23 | 27.96 | 49.38 | ACIW lower |
| PEG as of 2026-07-23 | n/a | 1.16 | |
| Net margin as of 2026-07-23 | +11.5% | +5.8% | ACIW higher |
| Gross margin as of 2026-07-23 | +49.0% | +24.7% | ACIW higher |
| Operating margin as of 2026-07-23 | +18.3% | +6.8% | ACIW higher |
| ROE as of 2026-07-23 | +14.0% | +13.5% | ACIW higher |
| ROA as of 2026-07-23 | +6.6% | +11.3% | PAY higher |
| Debt / equity as of 2026-07-23 | 0.54 | 0.00 | PAY lower |
| Revenue growth (YoY) as of 2026-07-23 | +7.1% | +33.0% | PAY higher |
| Revenue CAGR (3y) SEC XBRL | +7.4% | +34.0% | PAY higher |
| Dividend streak (yrs) SEC XBRL | 0 | n/a | |
| Beta as of 2026-07-23 | 0.99 | 1.36 | |
| 1-year return as of 2026-07-22 close | +26.0% | +0.9% | ACIW higher |
Fundamentals: Finnhub, as of 2026-07-23. Filings: SEC EDGAR. Prices are delayed daily-close data.
Last updated 2026-07-22.
Informational only — NOT financial advice. All figures are delayed daily-close data from SEC EDGAR & Finnhub, shown with their as-of date; "Edge" cells are a pure numeric comparison, not a recommendation.