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ACI Worldwide, Inc.
NASDAQ: ACIW Technology IT 🔎 Screen
🏹 Trader: 🎯 Near 52W High 💎 VCP Breakout View all →
$5.4B
Market Cap
22.1
P/E
1.28
PEG
11.3%
ROCE
15.4%
ROE
0.53
D/E
18.8%
OPM
-11.9%
% from 52W High
70
α RS
🔍 ACIW is showing a high-conviction setup because it matches 4 of 37 tracked screener presets, RS Rating is 68, and it's within 12.9% of its 52-week high. Net: Broad signal stack, not a recommendation. ? Conviction RS Rating 52W High
Sources
Conviction 4/37 · RS Rating 68 · 12.9% from 52W high
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🌏 Global Investor Returns
Currency-adjusted total returns for ACIW including FX impact
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📈 Price History
Ratio Health
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About

ACI Worldwide, Inc. develops, markets, installs, and supports software products and services for facilitating electronic payments in the United States and worldwide.

Key Ratios Snapshot
📈 Growth Pattern
📊 Quick Scorecard
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⭐ Superinvestors Holding ACIW
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Manager Shares Value % of Fund Period
Jim Simons Renaissance Technologies LLC 350.3K $14.4M 0.02% Mar 2026

SEC Form 13F data. 45-day lag from quarter end.

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3-Statement Financial Model
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📊 MIXED ACI Worldwide Q1 revenue $426M, 6% organic growth, ARR bookings up 39%.
Revenue & Profitability
Q1 2026 total revenue was $426 million, up 8% reported and 6% constant currency year-over-year. Adjusted EBITDA was $105 million (38% margin), up 12% reported and 8% in constant currency. Operating cash flow was $64 million. Full-year 2026 guidance raised: revenue $1.89–$1.92 billion (7-9% growth), adjusted EBITDA $540–$555 million.
Outlook
Management sees sustained demand for real-time payments, with U.S. adoption (FedNow, RTP) starting to pick up. Geopolitical unrest (Middle East conflict, energy shock) creates macroeconomic uncertainty, but payments infrastructure remains resilient. The Biller market is highly fragmented, with significant opportunity to convert legacy platforms to modern digital solutions.
Growth Drivers
Key growth drivers include: real-time payments revenue grew over 20% in Q1; merchant revenue up 21% constant currency; Biller net new ARR bookings increased 39% year-over-year, with new logos and expansions in utilities, insurance, government, and consumer finance. Connetic platform adoption and cross-selling into existing large customers are also driving growth.
Balance Sheet & CapEx
Not discussed in detail, but management noted the business has limited capital requirements and generates strong cash flow. Investments are focused on organic growth initiatives, including the Connetic platform and Speedpay One, as well as an AI-first roadmap using generative AI tools. Capital allocation prioritizes organic investment, strategic M&A, and share repurchases.
Margins
Q1 adjusted EBITDA margin expanded to 38% from 36% last year, driven by operational leverage and disciplined cost management. Biller EBITDA margin net of interchange improved over 200 basis points to 51%. Management expects underlying scalability to become more evident over time, with near-term investment ebb and flow modestly dampening leverage in certain quarters.
Key Risks
Management acknowledged macroeconomic uncertainty from the Middle East conflict and energy shock, but noted payments infrastructure is resilient and critical. No other specific risks were flagged by management or analysts. The call did not discuss customer concentration, regulatory changes, or technology disruption risks.
Generated by AI · Q1 2026 results · Not investment advice
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✓ 📞 Earnings Call Transcripts (5 quarters) submit a missing quarter
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📞 Earnings Call Transcripts (5)
Q2 2026 Q2 2026 2026-08-06
Q2 2026 saw 7% revenue and 12% Adjusted EBITDA growth, with strong gains in Payment Software and Biller segments. Full-year guidance was raised for both revenue and EBITDA, supported by robust pipelines, cloud-native platform wins, and ongoing AI-driven innovation.
Q1 2026 Q1 2026 2026-05-07
Q1 delivered 8% revenue growth and 12% adjusted EBITDA growth year-over-year, with strong momentum in both Payment Software and Biller segments. Full-year guidance was raised, and capital returns remain a priority, supported by robust liquidity and a healthy pipeline.
Q4 2025 Q4 2025 2026-02-26
Delivered double-digit revenue and EBITDA growth in 2025, driven by strong performance in both Payment Software and Biller segments. 2026 guidance calls for 7–9% revenue growth, continued margin strength, and significant capital returns, with robust pipelines and AI-driven innovation supporting outlook.
Q3 2025 Q3 2025 2025-11-06
Q3 saw 7% revenue growth and double-digit recurring revenue gains, with both total revenue and Adjusted EBITDA up 12% year-to-date. Guidance for 2025 was raised, driven by strong biller and payment software performance, new customer wins, and strategic acquisitions.
Q2 2025 Q2 2025 2025-08-07
Q2 2025 saw 7% revenue growth and strong momentum, prompting raised full-year guidance for both revenue and Adjusted EBITDA. Biller led segment growth, Connetix launched, and ARR bookings surged, while share buybacks and a robust backlog highlighted capital strength.
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📊 Analysis Methodology

This comprehensive investment analysis was conducted using The Finmagine™ Stock Analysis & Ranking Methodology, a proprietary framework that systematically evaluates stocks across five critical dimensions: Financial Health, Growth Prospects, Competitive Positioning, Management Quality, and Valuation.

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Financial Model
Projections are built from each company's audited annual financials (Income Statement, Balance Sheet, Cash Flow) over the last 5 fiscal years. Forward assumptions — revenue growth %, EBITDA margin, D&A (USD millions), interest expense, tax rate, and capex — are AI-generated using historical context and refreshed twice a year: after the December results season and after the September/Q4 results season.

DCF Valuation
Fair Value = Σ(FCFt / (1+WACC)t) + Terminal Value. Terminal Value uses the Gordon Growth Model: FCF5 × (1+g) / (WACC−g). Default WACC: 10% (US risk-free ~4.5%, equity risk premium ~5.5%). Default terminal growth: 3% (long-run US nominal GDP proxy).

CAGR Tracker
Expected 5-year CAGR = (DCF Fair Value / Current Price)1/5 − 1. Assumes fair value is reached in exactly 5 years — a mechanical estimate only.

Data Sources & Limitations
Financial statements sourced from public filings. Prices updated daily. Forward assumptions are AI-generated. All monetary values in USD millions. Non-US ADR companies may have currency conversion inaccuracies. Models are point-in-time and do not update intra-quarter or account for M&A, macro shocks, or extraordinary items.

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Investment Risk:
Investing in securities, including US equities and ETFs, involves inherent risks including the potential loss of principal. All investments are subject to market fluctuations, economic conditions, regulatory changes, and other factors that may affect their value. Past performance is not indicative of future results. This analysis is provided for informational and educational purposes only and should not be construed as investment advice under any circumstances.

No Investment Recommendation:
This analysis does not constitute, nor should it be interpreted as, an offer, solicitation, or recommendation to buy, sell, or hold any securities or financial products. Investors are strongly advised to conduct their own independent research and due diligence and to consult with a licensed financial advisor or an SEC-registered investment adviser before making any investment decisions, taking into account their individual financial situation, risk tolerance, and investment objectives.

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Conflict of Interest Disclosure:
The author and/or analyst may currently hold or have previously held positions in the securities discussed. Any such positions are not intended to influence the objectivity or independence of the analysis. This research is produced independently and is not sponsored, endorsed, or commissioned by any company or institution.

Information Sources:
The analysis is based on publicly available information including SEC filings (10-K, 10-Q), annual reports, management commentary, and publicly available financial data. Information is believed to be accurate as of the date of publication but may be subject to change without notice. Readers are encouraged to independently verify all information before acting upon it.

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