ACIW vs JPM vs BAC vs FISV

For growth investors, JPMorgan Chase & Co.

(JPM) is the stronger pick with 14. 6% revenue growth year-over-year, versus -1. 9% for Bank of America Corporation (BAC). Fiserv, Inc. (FISV) offers the better valuation at 9. 0x trailing P/E (7. 0x forward), making it the more compelling value choice. Analysts rate ACI Worldwide, Inc. (ACIW) a "Buy" — based on 17 analyst ratings — the highest consensus in this comparison. The "better buy" depends entirely on your goals: growth investors should weight revenue trajectory, value investors should weight P/E and PEG, and income investors should weight dividend yield and streak.

On trailing P/E, Fiserv, Inc.

(FISV) is the cheapest at 9. 0x versus ACI Worldwide, Inc. at 21. 6x. On forward P/E, Fiserv, Inc. is actually cheaper at 7. 0x. The PEG ratio (P/E divided by earnings growth rate) is the most growth-adjusted single valuation metric: Fiserv, Inc. wins at 0. 20x versus JPMorgan Chase & Co. 's 1. 06x — a PEG below 1. 0 traditionally signals the market is underpricing earnings growth.

Over the past 5 years, JPMorgan Chase & Co.

(JPM) delivered a total return of +104. 3%, compared to -51. 7% for Fiserv, Inc. (FISV). Over 10 years, the gap is even starker: JPM returned +461. 3% versus FISV's +9. 7%. Past returns do not guarantee future results, and the stock with the higher historical return may already have its best growth priced in.

By beta (market sensitivity over 5 years), Fiserv, Inc.

(FISV) is the lower-risk stock at 0. 94β versus ACI Worldwide, Inc. 's 1. 03β — meaning ACIW is approximately 9% more volatile than FISV relative to the S&P 500. On balance sheet safety, ACI Worldwide, Inc. (ACIW) carries a lower debt/equity ratio of 57% versus 2% for JPMorgan Chase & Co. — giving it more financial flexibility in a downturn.

By revenue growth (latest reported year), JPMorgan Chase & Co.

(JPM) is pulling ahead at 14. 6% versus -1. 9% for Bank of America Corporation (BAC). On earnings-per-share growth, the picture is similar: JPMorgan Chase & Co. grew EPS 21. 7% year-over-year, compared to 13. 1% for ACI Worldwide, Inc.. Over a 3-year CAGR, ACIW leads at 7. 4% annualised revenue growth. Higher growth typically commands a higher valuation multiple — check whether the premium P/E or P/S is justified by the growth rate using the PEG ratio.

JPMorgan Chase & Co.

(JPM) is the more profitable company, earning 21. 6% net margin versus 12. 9% for ACI Worldwide, Inc. — meaning it keeps 21. 6% of every revenue dollar as bottom-line profit. Operating margin tells a similar story: JPM leads at 27. 7% versus 18. 5% for BAC. At the gross margin level — before operating expenses — FISV leads at 59. 4%, reflecting greater pricing power or product mix advantage. Stronger margins indicate durable pricing power, lower cost of revenue, or higher mix of software/services. They are one of the clearest signs of business quality.

The PEG ratio (forward P/E divided by expected earnings growth rate) is the most precise measure of undervaluation relative to growth potential.

By this metric, Fiserv, Inc. (FISV) is the more undervalued stock at a PEG of 0. 20x versus JPMorgan Chase & Co. 's 1. 06x. A PEG below 1. 0 is traditionally considered the threshold for growth-adjusted undervaluation. On forward earnings alone, Fiserv, Inc. (FISV) trades at 7. 0x forward P/E versus 19. 0x for ACI Worldwide, Inc. — 12. 0x cheaper on a one-year earnings basis. Analyst consensus price targets imply the most upside for ACIW: 50. 1% to $70. 00.

In this comparison, BAC (2.

4% yield), JPM (1. 7% yield) pay a dividend. ACIW, FISV do not pay a meaningful dividend and should not be held primarily for income.

For long-horizon retirement investors, JPMorgan Chase & Co.

(JPM) is the stronger choice — it scores higher on the combination of lower volatility, dividend reliability, and long-term compounding (low volatility (β 1. 00), 1. 7% yield, +461. 3% 10Y return). Both have compounded well over 10 years (JPM: +461. 3%, FISV: +9. 7%), confirming both are viable long-term holds — but the lower-volatility option typically results in less emotional selling during corrections. Retirement portfolios generally favour predictability over maximum returns. Consult a financial advisor before making allocation decisions.

These companies operate in different sectors (ACIW (Technology) and JPM (Financial Services) and BAC (Financial Services) and FISV (Technology)), which means they face different economic cycles, regulatory environments, and macro sensitivities — making direct comparison nuanced.

In terms of investment character: ACIW is a small-cap quality compounder stock; JPM is a large-cap deep-value stock; BAC is a large-cap deep-value stock; FISV is a mid-cap deep-value stock. JPM, BAC pay a dividend while ACIW, FISV do not, making them suitable for different income and tax situations. These fundamental differences mean investors should not choose between them on a single metric — the "better stock" depends entirely on which of these characteristics aligns with your investment strategy.