ACI Worldwide, Inc. (ACIW) Financial Ratios
30 years of historical data (1996–2025) · Technology · Software - Infrastructure
EV/EBITDA
↓
12.66
-3% vs avg
5yr avg: 13.00
30Y Low3.1·High39.1
P/FCF
↓
15.26
↓-28% vs avg
5yr avg: 21.33
30Y Low2.9·High157.4
P/B Ratio
↓
3.22
+6% vs avg
5yr avg: 3.04
30Y Low1.0·High17.5
ROE
↑
15.4%
↓+24% vs avg
5yr avg: 12.4%
30Y Low-20%·High28%
Debt/EBITDA
↓
2.04
↓-26% vs avg
5yr avg: 2.76
30Y Low0.0·High5.5
Percentile shows where the current value sits in 30-year historical distribution. Sparklines show 5-year trend.
ACIW Valuation Multiples
Price-based multiples — how expensive the stock is relative to earnings, sales, book value, and cash flow
ACI Worldwide, Inc. trades at 21.6x earnings, 15% below its 5-year average of 25.5x, sitting at the 23rd percentile of its historical range. Compared to the Technology sector median P/E of 27.7x, the stock trades at a discount of 22%. On a free-cash-flow basis, the stock trades at 15.3x P/FCF, 28% below the 5-year average of 21.3x.
| Metric | TTM | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 | FY 2019 | FY 2018 | FY 2017 | FY 2016 |
|---|---|---|---|---|---|---|---|---|---|---|---|
| Market Cap | $4.7B | $5.0B | $5.5B | $3.3B | $2.6B | $4.1B | $4.5B | $4.5B | $3.3B | $2.7B | $2.2B |
| Enterprise Value | $5.4B | $5.7B | $6.3B | $4.2B | $3.6B | $5.1B | $5.6B | $5.8B | $3.8B | $3.3B | $2.8B |
| P/E Ratio → | 21.60 | 22.13 | 27.18 | 27.32 | 18.55 | 32.13 | 61.98 | 66.46 | 46.90 | 566.75 | 16.65 |
| P/S Ratio | 2.69 | 2.85 | 3.47 | 2.29 | 1.85 | 3.00 | 3.51 | 3.57 | 3.22 | 2.64 | 2.14 |
| P/B Ratio | 3.22 | 3.30 | 3.88 | 2.52 | 2.20 | 3.31 | 3.76 | 3.98 | 3.11 | 3.54 | 2.86 |
| P/FCF | 15.26 | 16.17 | 16.10 | 25.48 | 25.39 | 23.51 | 15.67 | 53.10 | 23.24 | 29.50 | 58.70 |
| P/OCF | 14.65 | 15.52 | 15.41 | 19.77 | 18.33 | 18.67 | 13.49 | 33.88 | 17.70 | 18.52 | 21.61 |
P/E links to full P/E history page with 30-year chart
ACIW EV Ratios
Enterprise-value multiples — capital-structure-neutral measures of total business value
ACI Worldwide, Inc.'s enterprise value stands at 12.7x EBITDA, roughly in line with its 5-year average of 13.0x. The Technology sector median is 17.5x, placing the stock at a 27% discount on an enterprise-value basis.
| Metric | TTM | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 | FY 2019 | FY 2018 | FY 2017 | FY 2016 |
|---|---|---|---|---|---|---|---|---|---|---|---|
| EV / Revenue | — | 3.23 | 3.93 | 2.92 | 2.56 | 3.73 | 4.31 | 4.61 | 3.74 | 3.25 | 2.81 |
| EV / EBITDA | 12.66 | 13.32 | 14.62 | 11.97 | 10.63 | 14.46 | 18.09 | 22.14 | 16.92 | 17.79 | 8.70 |
| EV / EBIT | 16.38 | 15.60 | 19.41 | 18.77 | 14.00 | 23.24 | 35.95 | 42.61 | 28.34 | 40.25 | 12.51 |
| EV / FCF | — | 18.35 | 18.26 | 32.46 | 35.15 | 29.21 | 19.27 | 68.63 | 26.98 | 36.21 | 76.88 |
ACIW Profitability
Margins and return-on-capital ratios measuring operating efficiency
ACI Worldwide, Inc. earns an operating margin of 18.7%. Operating margins have expanded from 15.2% to 18.7% over the past 3 years, signaling improving operational efficiency. ROE of 15.4% indicates solid capital efficiency. ROIC of 11.4% represents solid returns on invested capital.
Margins
Full margin charts and quarterly trend are on the Earnings History page
| Metric | TTM | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 | FY 2019 | FY 2018 | FY 2017 | FY 2016 |
|---|---|---|---|---|---|---|---|---|---|---|---|
| Gross Margin | 49.0% | 49.0% | 50.3% | 50.5% | 51.0% | 53.4% | 51.9% | 50.9% | 57.4% | 55.8% | 55.8% |
| Operating Margin | 18.7% | 18.7% | 19.3% | 15.2% | 14.3% | 15.3% | 11.2% | 9.8% | 12.5% | 8.3% | 22.0% |
| Net Profit Margin | 12.9% | 12.9% | 12.7% | 8.4% | 10.0% | 9.3% | 5.6% | 5.3% | 6.8% | 0.5% | 12.9% |
Return on Capital
| Metric | TTM | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 | FY 2019 | FY 2018 | FY 2017 | FY 2016 |
|---|---|---|---|---|---|---|---|---|---|---|---|
| ROE | 15.4% | 15.4% | 14.8% | 9.7% | 11.7% | 10.4% | 6.2% | 6.2% | 7.6% | 0.7% | 18.4% |
| ROA | 7.4% | 7.4% | 6.3% | 3.7% | 4.5% | 3.9% | 2.2% | 2.5% | 3.5% | 0.3% | 6.7% |
| ROIC | 11.4% | 11.4% | 10.5% | 7.4% | 6.9% | 7.0% | 4.6% | 4.6% | 6.4% | 4.5% | 11.4% |
| ROCE | 13.7% | 13.7% | 12.8% | 9.3% | 8.6% | 8.6% | 5.6% | 5.5% | 7.5% | 5.5% | 14.1% |
ACIW Leverage & Debt
Solvency and debt-coverage ratios — lower is generally safer
ACI Worldwide, Inc. carries a Debt/EBITDA ratio of 2.0x, which is manageable (30% below the sector average of 2.9x). Net debt stands at $675M ($872M total debt minus $196M cash). Interest coverage of 6.3x is adequate, though a cyclical earnings downturn could tighten the margin of safety.
| Metric | TTM | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 | FY 2019 | FY 2018 | FY 2017 | FY 2016 |
|---|---|---|---|---|---|---|---|---|---|---|---|
| Debt / Equity | 0.57 | 0.57 | 0.67 | 0.81 | 0.95 | 0.90 | 1.00 | 1.27 | 0.64 | 0.90 | 0.99 |
| Debt / EBITDA | 2.04 | 2.04 | 2.23 | 3.04 | 3.32 | 3.17 | 3.92 | 5.47 | 3.01 | 3.67 | 2.29 |
| Net Debt / Equity | — | 0.44 | 0.52 | 0.69 | 0.85 | 0.80 | 0.86 | 1.16 | 0.50 | 0.81 | 0.89 |
| Net Debt / EBITDA | 1.58 | 1.58 | 1.73 | 2.57 | 2.95 | 2.82 | 3.38 | 5.01 | 2.34 | 3.30 | 2.06 |
| Debt / FCF | — | 2.18 | 2.16 | 6.98 | 9.76 | 5.70 | 3.60 | 15.53 | 3.74 | 6.71 | 18.18 |
| Interest Coverage | 6.30 | 6.30 | 4.46 | 2.88 | 4.88 | 4.89 | 2.74 | 2.13 | 3.21 | 2.12 | 5.62 |
ACIW Liquidity & Efficiency
Short-term solvency ratios and asset-utilisation metrics
A current ratio of 1.54x means ACI Worldwide, Inc. can comfortably meet its short-term obligations, though there is limited excess liquidity. The current ratio has improved from 1.36x to 1.54x over the past 3 years.
| Metric | TTM | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 | FY 2019 | FY 2018 | FY 2017 | FY 2016 |
|---|---|---|---|---|---|---|---|---|---|---|---|
| Current Ratio | 1.54 | 1.54 | 1.64 | 1.36 | 1.30 | 1.24 | 1.28 | 1.50 | 1.91 | 1.31 | 1.08 |
| Quick Ratio | 1.54 | 1.54 | 1.64 | 1.36 | 1.30 | 1.24 | 1.28 | 1.50 | 1.83 | 1.24 | 1.02 |
| Cash Ratio | 0.28 | 0.28 | 0.36 | 0.16 | 0.15 | 0.16 | 0.18 | 0.20 | 0.50 | 0.22 | 0.20 |
| Asset Turnover | — | 0.57 | 0.53 | 0.42 | 0.44 | 0.43 | 0.38 | 0.39 | 0.48 | 0.55 | 0.53 |
| Inventory Turnover | — | — | — | — | — | — | — | — | 18.49 | 19.48 | 17.19 |
| Days Sales Outstanding | — | 174.89 | 94.87 | 113.66 | 103.65 | 85.33 | 96.69 | 104.19 | 125.86 | 107.21 | 104.20 |
ACIW Shareholder Yields
Earnings, FCF, buyback, and dividend yields — total returns to shareholders
ACI Worldwide, Inc. returns 4.3% to shareholders annually primarily through share buybacks. The earnings yield of 4.6% (inverse of P/E) provides a useful comparison to bond yields when assessing the stock's relative attractiveness to fixed income.
Dividends
Full dividend history and growth charts are on the Dividend History page
| Metric | TTM | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 | FY 2019 | FY 2018 | FY 2017 | FY 2016 |
|---|---|---|---|---|---|---|---|---|---|---|---|
| Dividend Yield | — | — | — | — | — | — | — | — | — | — | — |
| Payout Ratio | — | — | — | — | — | — | — | — | — | — | — |
Total Shareholder Return Metrics
| Metric | TTM | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 | FY 2019 | FY 2018 | FY 2017 | FY 2016 |
|---|---|---|---|---|---|---|---|---|---|---|---|
| Earnings Yield | 4.6% | 4.5% | 3.7% | 3.7% | 5.4% | 3.1% | 1.6% | 1.5% | 2.1% | 0.2% | 6.0% |
| FCF Yield | 6.6% | 6.2% | 6.2% | 3.9% | 3.9% | 4.3% | 6.4% | 1.9% | 4.3% | 3.4% | 1.7% |
| Buyback Yield | 4.3% | 4.0% | 2.3% | 0.8% | 7.9% | 2.6% | 0.6% | 0.8% | 1.7% | 1.4% | 2.8% |
| Total Shareholder Yield | 4.3% | 4.0% | 2.3% | 0.8% | 7.9% | 2.6% | 0.6% | 0.8% | 1.7% | 1.4% | 2.8% |
| Shares Outstanding | — | $105M | $106M | $109M | $114M | $119M | $118M | $119M | $118M | $119M | $119M |
Peer Comparison
Compare ACIW with 10 similar companies in its peer group
| Company | Market Cap | P/E | EV/EBITDA | P/FCF | Gross Margin | Op Margin | ROE | ROIC | Debt/EBITDA |
|---|---|---|---|---|---|---|---|---|---|
 ACIWYou | $5B | 21.6 | 12.7 | 15.3 | 49.0% | 18.7% | 15.4% | 11.4% | 2.0 |
 JKHY | $11B | 23.4 | 13.5 | 18.0 | 42.7% | 23.9% | 21.4% | 21.0% | — |
 FISV | $30B | 9.0 | 6.6 | 7.0 | 59.4% | 26.9% | 13.0% | 8.1% | 3.3 |
 FIS | $24B | 63.0 | 7.7 | 10.0 | 36.9% | 16.5% | 2.6% | 6.0% | 1.1 |
 EVTC | $1B | 10.6 | 7.3 | 10.6 | 49.7% | 20.0% | 23.0% | 10.2% | 3.7 |
 GPN | $17B | 12.0 | 10.4 | 8.1 | 72.6% | 19.1% | 6.0% | 3.0% | 7.6 |
 RPAY | $307M | -1.2 | 7.0 | 3.4 | 75.0% | -3.9% | -40.9% | -1.0% | 4.9 |
 IIIV | $506M | 40.9 | 14.0 | 134.9 | 55.7% | 1.9% | 3.5% | 0.6% | 0.2 |
 V | $616B | 31.5 | 24.6 | 28.6 | 80.4% | 60.0% | 52.1% | 29.2% | 1.0 |
 MA | $443B | 30.3 | 22.0 | 26.2 | 83.4% | 59.2% | 209.9% | 56.5% | 0.9 |
 PYPL | $41B | 8.5 | 6.1 | 7.3 | 46.6% | 18.3% | 25.7% | 15.0% | 1.4 |
| Technology Median | — | 27.7 | 17.5 | 19.2 | 48.5% | -0.6% | 2.4% | 2.9% | 2.9 |
Peer selection based on competitive and market overlap. Compare multiple stocks →
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Start ComparisonACIW — Frequently Asked Questions
Quick answers to the most common questions about buying ACIW stock.
What is ACI Worldwide, Inc.'s P/E ratio?
ACI Worldwide, Inc.'s current P/E ratio is 21.6x. The historical average is 35.1x. This places it at the 23th percentile of its historical range.
What is ACI Worldwide, Inc.'s EV/EBITDA?
ACI Worldwide, Inc.'s current EV/EBITDA is 12.7x. This enterprise value multiple compares the company's total value (equity + debt - cash) to its EBITDA. The historical average is 15.5x.
What is ACI Worldwide, Inc.'s ROE?
ACI Worldwide, Inc.'s return on equity (ROE) is 15.4%. The historical average is 11.9%.
Is ACIW stock overvalued?
Based on historical data, ACI Worldwide, Inc. is trading at a P/E of 21.6x. This is at the 23th percentile of its historical P/E range. Compare with industry peers and growth rates for a complete picture.
What are ACI Worldwide, Inc.'s profit margins?
ACI Worldwide, Inc. has 49.0% gross margin and 18.7% operating margin. Operating margin between 10-20% is typical for established companies.
How much debt does ACI Worldwide, Inc. have?
ACI Worldwide, Inc.'s Debt/EBITDA ratio is 2.0x, indicating moderate leverage. A ratio between 2-4x is manageable but warrants monitoring.