Stocktoria
ACI WORLDWIDE, INC. ACIW
ACI WORLDWIDE, INC. (ACIW) earns a Piotroski F-score of 7/9 (strong financial health), with an Altman Z″ in the safe zone. It does not currently pay a dividend. FY2025 revenue was $1.8B at a 12.9% net margin.
Quality score trend · recomputed for each fiscal year
Each year's score is computed from that year's filing — a rising Piotroski F or Altman Z″ means improving financial health, a fall is worth a look.
Beneish M-score: -2.54 — low (below −2.22 — no manipulation red flag) . A statistical screen for earnings manipulation, not proof — and it doesn't apply to most banks/insurers.
Analyst price target
Recent analyst actions
| Date | Firm | Rating |
|---|---|---|
| 2026-05-11 | DA Davidson | Buy (main) |
| 2026-01-14 | Seaport Global | Buy (main) |
| 2025-10-16 | DA Davidson | Buy (main) |
| 2025-07-17 | Stephens & Co. | Overweight (up) |
| 2025-05-27 | Jefferies | Buy (main) |
| 2025-05-12 | DA Davidson | Buy (up) |
Wall Street analyst consensus — a sentiment gauge, not our scoring.
How it ranks in Services · percentile among 982 companies
Percentile vs other Services companies we cover — e.g. “stronger than 90%” means only 10% score higher on that measure.
Piotroski F breakdown · 7/9 tests passed
- Positive return on assets
- Positive operating cash flow
- Rising ROA
- Cash flow exceeds net income
- Lower long-term debt
- Rising current ratio
- No share dilution
- Rising gross margin
- Rising asset turnover
Altman Z″ components · safe zone
| Component | Value |
|---|---|
| Working capital / assets | 0.124 |
| Retained earnings / assets | 0.588 |
| EBIT / assets | 0.106 |
| Equity / liabilities | 0.958 |
Sector peers · similar-size Services companies compare side by side →
| Ticker | Company | Piotroski F | Altman Z″ | P / E | Revenue growth |
|---|---|---|---|---|---|
| ACIW | ACI WORLDWIDE, INC. | 7/9 | 4.45 | 22.1 | +10.4% |
| PCTY | Paylocity Holding Corp | 8/9 | 2.15 | 21.1 | +11% |
| ESTC | Elastic N.V. | 5/9 | 1.59 | 15.9 | +17.3% |
| YMM | Full Truck Alliance Co. Ltd. | 4/9 | 17.05 | — | +16% |
| U | Unity Software Inc. | 5/9 | -0.19 | — | +2% |
| TDC | TERADATA CORP /DE/ | 7/9 | -2.88 | 23.8 | -5% |
| BSY | BENTLEY SYSTEMS INC | 9/9 | 0.4 | 32.8 | +11% |
About ACI WORLDWIDE, INC.
ACI Worldwide, Inc. develops, markets, installs, and supports software products and services for facilitating electronic payments in the United States and worldwide. It operates through Payment Software, and Billers segments. The company offers ACI Acquiring, a solution to process credit, debit, and prepaid card transactions, deliver digital innovation, fraud prevention, and reduce fees; ACI Issuing, a digital payment issuing solution; and ACI Connetic, a solution that offers payment services for processing, routing, and managing various payment types. It provides ACI real-time payments, a solution that provides connectivity to payment rails; ACI RTGS and cross-border, a payments engine that offers multi-currency, payment and STP processing, and back-office integration interfaces; and ACI digital central infrastructure, a solution that offers real-time payments service. Further, it offers ACI Payments Orchestration Platform, a payments platform that orchestrates and optimizes payments; ACI Fraud Management for merchants, billers, and financial institutions; ACI Fraud Scoring Services with artificial and human insights with data intelligence; and Speedpay, an integrated suite of digital billing, payment, disbursement, and communication services. Additionally, it offers electronic bill presentment and payment services to consumer finance, insurance, healthcare, higher education, utility, government, subscription provider, telecommunications, and mortgage sectors; product installations and configurations, and custom software modifications; and business and technical consultancy, on-site support, product education, and testing services, as well distributes software developed by third parties. It markets its products and services under the ACI Worldwide brand. The company was formerly known as Transaction Systems Architects, Inc. and changed its name to ACI Worldwide, Inc. in July 2007. The company was founded in 1975 and is headquartered in Elkhorn, Nebraska.
FAQ
Is ACIW financially healthy?
ACI WORLDWIDE, INC.'s Piotroski F-score is 7/9 (8–9 is excellent, 0–3 weak), and its Altman Z″ distress score is in the safe zone.
Does ACIW pay a dividend?
No, ACI WORLDWIDE, INC. does not currently pay a dividend.
How profitable is ACIW?
In FY2025, ACI WORLDWIDE, INC. had a net margin of 12.9% and a return on equity of 14.9%.
Is ACIW overvalued or undervalued?
ACI WORLDWIDE, INC. trades at about 24.4× trailing earnings — below its 10-year norm (10-year range 17.8×–586.0×, median 31.8×). Stocktoria reports the data, not buy/sell advice.
What is the analyst price target for ACIW?
The average Wall-Street price target for ACI WORLDWIDE, INC. is $65.33, about 23.9% above the recent price, from 3 analysts.
Is ACIW a good stock to buy?
Stocktoria doesn't give buy or sell advice, but here is the data on ACI WORLDWIDE, INC.: a Piotroski F-score of 7/9, an Altman Z″ in the safe zone, a P/E of about 22.1×. Weigh these quality and valuation signals against your own goals.
Computed from company filings · US · as of 2025-12-31. Facts plus Stocktoria's own computed scores — not investment advice.