📊 ACIW Key Takeaways
Is Aci Worldwide, Inc.. (ACIW) a Good Investment?
ACI Worldwide demonstrates strong fundamental health with robust profitability (18.7% operating margin, 12.9% net margin), excellent cash generation (FCF of $309.9M), and healthy leverage (0.54x D/E). However, the extraordinary 4195% YoY revenue increase requires investigation for sustainability, though the modest net income growth of 11.6% suggests potential one-time gains or accounting adjustments.
ACI Worldwide shows solid core fundamentals, with double-digit net income and EPS growth, healthy operating and free cash flow generation, and manageable leverage supported by good interest coverage. Profitability is respectable for a software business, but the extreme revenue growth figure and missing gross margin data raise questions about growth quality and comparability, making the current fundamental picture positive but not clean enough for a more aggressive rating.
Why Buy Aci Worldwide, Inc.. Stock? ACIW Key Strengths
- Strong operating cash flow of $322.8M with exceptional FCF margin of 17.6%, indicating high-quality earnings
- Healthy balance sheet with moderate leverage (0.54x D/E) and solid interest coverage (8.8x)
- Solid profitability with operating margin of 18.7% and positive ROE of 14.9% and ROA of 7.3%
- Adequate liquidity position with current ratio of 1.54x supporting operational needs
- Strong cash generation, with $322.83M of operating cash flow and $309.92M of free cash flow supporting financial flexibility
- Healthy profitability profile, including 18.7% operating margin, 12.9% net margin, 14.9% ROE, and 7.3% ROA
- Balance sheet appears sound, with 1.54x current and quick ratios, moderate 0.54x debt-to-equity, and 8.8x interest coverage
ACIW Stock Risks: Aci Worldwide, Inc.. Investment Risks
- Extreme 4195% YoY revenue growth is highly anomalous and warrants investigation - likely driven by acquisition, accounting change, or one-time event rather than organic growth
- Significant gap between revenue growth (+4195%) and net income growth (+11.6%) suggests margin compression or non-recurring revenue items
- Substantial long-term debt of $817.6M reduces financial flexibility despite adequate coverage ratios
- Missing gross margin data limits ability to assess operational efficiency and cost structure
- Reported revenue growth of +4195.1% suggests a potential one-time distortion, restatement effect, or comparability issue that clouds true operating momentum
- Gross profit and gross margin are unavailable, limiting visibility into underlying unit economics and margin durability
- Long-term debt of $817.61M is manageable today but still meaningful if earnings growth or cash conversion weakens
Key Metrics to Watch
- Year-over-year organic revenue growth rate and breakdown of revenue growth components
- Operating margin sustainability and trend analysis across quarters
- Free cash flow consistency and capital expenditure plans for growth investments
- Debt reduction trajectory and leverage ratios over next 2-4 quarters
- Normalized revenue growth and recurring revenue quality in future SEC filings
- Operating margin and free cash flow conversion relative to net income
Aci Worldwide, Inc.. (ACIW) Financial Metrics & Key Ratios
💡 AI Analyst Insight
Aci Worldwide, Inc.. presents a mixed fundamental picture. Review the detailed metrics above to form your own investment thesis.
ACIW Profit Margin, ROE & Profitability Analysis
ACIW vs Technology Sector: How Aci Worldwide, Inc.. Compares
How Aci Worldwide, Inc.. compares to Technology sector averages
Sector benchmarks are approximate industry averages. Actual sector performance may vary.
Is Aci Worldwide, Inc.. Stock Overvalued? ACIW Valuation Analysis 2026
Based on fundamental analysis, Aci Worldwide, Inc.. shows some fundamental concerns relative to the Technology sector in 2026.
Note: This is a fundamental analysis based on SEC filings. For P/E ratio, price targets, and market-based valuation, consult financial data providers. This is not investment advice.
Aci Worldwide, Inc.. Balance Sheet: ACIW Debt, Cash & Liquidity
ACIW Revenue & Earnings Growth: 5-Year Financial Trend
5-Year Trend Summary: Aci Worldwide, Inc..'s revenue has grown significantly by 28% over the 5-year period, indicating strong business expansion. The most recent EPS of $1.12 reflects profitable operations.
ACIW Revenue Growth, EPS Growth & YoY Performance
ACIW Quarterly Earnings & Performance
| Quarter | Revenue | Net Income | EPS |
|---|---|---|---|
| Q3 2025 | $451.8M | $81.4M | $0.77 |
| Q2 2025 | $373.5M | $12.2M | $0.12 |
| Q1 2025 | $316.0M | -$7.8M | $-0.07 |
| Q3 2024 | $363.0M | -$1.1M | $-0.01 |
| Q2 2024 | $323.3M | -$6.7M | $-0.06 |
| Q1 2024 | $289.7M | -$7.8M | $-0.07 |
| Q3 2023 | $306.6M | -$1.1M | $-0.01 |
| Q2 2023 | $323.3M | -$6.7M | $-0.06 |
Data sourced from SEC EDGAR 10-Q quarterly filings. Figures may represent quarterly or cumulative values.
Aci Worldwide, Inc.. Dividends, Buybacks & Capital Allocation
ACIW SEC Filings: Latest 10-K & 10-Q Analysis
Access official SEC EDGAR filings for Aci Worldwide, Inc.. (CIK: 0000935036)
📋 Recent SEC Filings
❓ Frequently Asked Questions about ACIW
What is the AI rating for ACIW?
Aci Worldwide, Inc.. (ACIW) has a Combined AI Rating of BUY from Claude (BUY) and ChatGPT (HOLD) with 72% combined confidence, based on fundamental analysis of SEC EDGAR filings.
What are ACIW's key strengths?
Claude: Strong operating cash flow of $322.8M with exceptional FCF margin of 17.6%, indicating high-quality earnings. Healthy balance sheet with moderate leverage (0.54x D/E) and solid interest coverage (8.8x). ChatGPT: Strong cash generation, with $322.83M of operating cash flow and $309.92M of free cash flow supporting financial flexibility. Healthy profitability profile, including 18.7% operating margin, 12.9% net margin, 14.9% ROE, and 7.3% ROA.
What are the risks of investing in ACIW?
Claude: Extreme 4195% YoY revenue growth is highly anomalous and warrants investigation - likely driven by acquisition, accounting change, or one-time event rather than organic growth. Significant gap between revenue growth (+4195%) and net income growth (+11.6%) suggests margin compression or non-recurring revenue items. ChatGPT: Reported revenue growth of +4195.1% suggests a potential one-time distortion, restatement effect, or comparability issue that clouds true operating momentum. Gross profit and gross margin are unavailable, limiting visibility into underlying unit economics and margin durability.
What is ACIW's revenue and growth?
Aci Worldwide, Inc.. reported revenue of $1.8B.
Does ACIW pay dividends?
Aci Worldwide, Inc.. does not currently pay dividends.
Where can I find ACIW SEC filings?
Official SEC filings for Aci Worldwide, Inc.. (CIK: 0000935036) including 10-K, 10-Q, and 8-K reports are available on SEC EDGAR.
What is ACIW's EPS?
Aci Worldwide, Inc.. has a diluted EPS of $2.16.
How is the AI analysis conducted?
Two independent AI systems — Claude (Anthropic) and ChatGPT (OpenAI) — analyze SEC EDGAR filings including 10-K annual reports and 10-Q quarterly reports. Each AI evaluates financial health, profitability ratios, balance sheet strength, and growth metrics. The combined rating reflects both perspectives for balanced insights.
Is ACIW a good stock to buy right now?
Based on our AI fundamental analysis in April 2026, Aci Worldwide, Inc.. has a BUY rating with 72% confidence. The AI analysis suggests favorable fundamentals based on SEC filings. This is not investment advice.
Is ACIW stock overvalued or undervalued?
Valuation metrics for ACIW: ROE of 14.9% (sector avg: 22%), net margin of 12.9% (sector avg: 18%). Compare these metrics with sector averages to assess valuation.
Should I buy ACIW stock in 2026?
Our dual AI analysis gives Aci Worldwide, Inc.. a combined BUY rating for 2026. Revenue is data pending, with profitability at or below sector average. Always conduct your own research.
What is ACIW's free cash flow?
Aci Worldwide, Inc..'s operating cash flow is $322.8M, with capital expenditures of $12.9M. FCF margin is 17.6%.
How does ACIW compare to other Technology stocks?
Vs Technology sector averages: Net margin 12.9% (avg: 18%), ROE 14.9% (avg: 22%), current ratio 1.54 (avg: 2.5).