30 years of historical data (1996–2025) · Technology · Software - Infrastructure
Percentile shows where the current value sits in 30-year historical distribution. Sparklines show 5-year trend.
Price-based multiples — how expensive the stock is relative to earnings, sales, book value, and cash flow
ACI Worldwide, Inc. trades at 18.4x earnings, 28% below its 5-year average of 25.5x, sitting at the 12th percentile of its historical range. Compared to the Technology sector median P/E of 25.2x, the stock trades at a discount of 27%. On a free-cash-flow basis, the stock trades at 13.2x P/FCF, 38% 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 | $4.1B | $5.0B | $5.5B | $3.3B | $2.6B | $4.1B | $4.5B | $4.5B | $3.3B | $2.7B | $2.2B |
| Enterprise Value | $4.7B | $5.7B | $6.3B | $4.2B | $3.6B | $5.1B | $5.6B | $5.8B | $3.8B | $3.3B | $2.8B |
| P/E Ratio → | 18.37 | 22.13 | 27.18 | 27.32 | 18.55 | 32.13 | 61.98 | 66.46 | 46.90 | 566.75 | 16.65 |
| P/S Ratio | 2.32 | 2.85 | 3.47 | 2.29 | 1.85 | 3.00 | 3.51 | 3.57 | 3.22 | 2.64 | 2.14 |
| P/B Ratio | 2.74 | 3.30 | 3.88 | 2.52 | 2.20 | 3.31 | 3.76 | 3.98 | 3.11 | 3.54 | 2.86 |
| P/FCF | 13.20 | 16.17 | 16.10 | 25.48 | 25.39 | 23.51 | 15.67 | 53.10 | 23.24 | 29.50 | 58.70 |
| P/OCF | 12.67 | 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
Enterprise-value multiples — capital-structure-neutral measures of total business value
ACI Worldwide, Inc.'s enterprise value stands at 11.1x EBITDA, 15% below its 5-year average of 13.0x. The Technology sector median is 15.7x, placing the stock at a 30% 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 | — | 3.21 | 3.93 | 2.92 | 2.56 | 3.73 | 4.31 | 4.61 | 3.74 | 3.25 | 2.81 |
| EV / EBITDA | 11.09 | 13.25 | 14.62 | 11.97 | 10.63 | 14.46 | 18.09 | 22.14 | 16.92 | 17.79 | 8.70 |
| EV / EBIT | 14.35 | — | 19.41 | 18.77 | 14.00 | 23.24 | 35.95 | 42.61 | 28.34 | 40.25 | 12.51 |
| EV / FCF | — | 18.24 | 18.26 | 32.46 | 35.15 | 29.21 | 19.27 | 68.63 | 26.98 | 36.21 | 76.88 |
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.
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% |
| 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% |
Solvency and debt-coverage ratios — lower is generally safer
ACI Worldwide, Inc. carries a Debt/EBITDA ratio of 2.0x, which is manageable (34% below the sector average of 3.0x). Net debt stands at $644M ($840M total debt minus $196M cash).
| Metric | TTM | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 | FY 2019 | FY 2018 | FY 2017 | FY 2016 |
|---|---|---|---|---|---|---|---|---|---|---|---|
| Debt / Equity | 0.55 | 0.55 | 0.67 | 0.81 | 0.95 | 0.90 | 1.00 | 1.27 | 0.64 | 0.90 | 0.99 |
| Debt / EBITDA | 1.97 | 1.97 | 2.23 | 3.04 | 3.32 | 3.17 | 3.92 | 5.47 | 3.01 | 3.67 | 2.29 |
| Net Debt / Equity | — | 0.42 | 0.52 | 0.69 | 0.85 | 0.80 | 0.86 | 1.16 | 0.50 | 0.81 | 0.89 |
| Net Debt / EBITDA | 1.51 | 1.51 | 1.73 | 2.57 | 2.95 | 2.82 | 3.38 | 5.01 | 2.34 | 3.30 | 2.06 |
| Debt / FCF | — | 2.08 | 2.16 | 6.98 | 9.76 | 5.70 | 3.60 | 15.53 | 3.74 | 6.71 | 18.18 |
| Interest Coverage | — | — | 4.25 | 2.81 | 3.83 | 4.66 | 2.56 | 1.93 | 3.03 | 2.17 | 5.50 |
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 | — | 92.48 | 94.87 | 113.66 | 103.65 | 85.33 | 96.69 | 104.19 | 125.86 | 107.21 | 104.20 |
Earnings, FCF, buyback, and dividend yields — total returns to shareholders
ACI Worldwide, Inc. returns 5.0% to shareholders annually primarily through share buybacks. The earnings yield of 5.4% (inverse of P/E) provides a useful comparison to bond yields when assessing the stock's relative attractiveness to fixed income.
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 | — | — | — | — | — | — | — | — | — | — | — |
| Metric | TTM | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 | FY 2019 | FY 2018 | FY 2017 | FY 2016 |
|---|---|---|---|---|---|---|---|---|---|---|---|
| Earnings Yield | 5.4% | 4.5% | 3.7% | 3.7% | 5.4% | 3.1% | 1.6% | 1.5% | 2.1% | 0.2% | 6.0% |
| FCF Yield | 7.6% | 6.2% | 6.2% | 3.9% | 3.9% | 4.3% | 6.4% | 1.9% | 4.3% | 3.4% | 1.7% |
| Buyback Yield | 5.0% | 4.0% | 2.3% | 0.8% | 7.9% | 2.6% | 0.6% | 0.8% | 1.7% | 1.4% | 2.8% |
| Total Shareholder Yield | 5.0% | 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 |
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 | $4B | 18.4 | 11.1 | 13.2 | 49.0% | 18.7% | 15.4% | 11.4% | 2.0 |
| XYZ | $38B | 30.3 | 22.9 | 15.8 | 42.8% | 7.1% | 6.0% | 6.4% | 4.3 |
| CPAY | $23B | 23.3 | 13.7 | 12.9 | 78.1% | 45.0% | 31.2% | 14.7% | 3.7 |
| AFRM | $15B | 313.2 | 158.0 | 25.4 | 67.5% | -2.7% | 1.8% | -0.7% | 57.0 |
| TOST | $14B | 48.8 | 34.9 | 23.5 | 25.8% | 5.0% | 18.6% | 30.8% | 0.1 |
| KSPI | $13B | 6.5 | 5.0 | 13.8 | 62.3% | 50.4% | 77.7% | 113.5% | 0.2 |
| WEX | $5B | 19.9 | 8.9 | 15.3 | 60.5% | 26.1% | 18.7% | 10.2% | 4.4 |
| KLAR | $5B | 2023.9 | 39.2 | 9.4 | 77.7% | -4.5% | 0.1% | -218.7% | 11.6 |
| BLSH | $5B | -5.2 | — | — | 0.0% | -0.0% | -26.8% | -2.3% | — |
| STNE | $4B | -17.3 | — | — | 27.9% | -30.9% | -13.1% | -7.2% | — |
| RELY | $3B | 53.9 | 30.7 | 11.8 | — | 4.7% | 8.9% | 14.0% | 1.9 |
| Technology Median | — | 25.2 | 15.7 | 17.3 | 49.8% | -0.9% | 1.1% | 2.9% | 3.0 |
Peers based on L4 peer group classification. Compare multiple stocks →
Includes 30+ ratios · 30 years · Updated daily
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Start ComparisonACI Worldwide, Inc.'s current P/E ratio is 18.4x. The historical average is 35.1x. This places it at the 12th percentile of its historical range.
ACI Worldwide, Inc.'s current EV/EBITDA is 11.1x. This enterprise value multiple compares the company's total value (equity + debt - cash) to its EBITDA. The historical average is 15.5x.
ACI Worldwide, Inc.'s return on equity (ROE) is 15.4%. The historical average is 11.9%.
Based on historical data, ACI Worldwide, Inc. is trading at a P/E of 18.4x. This is at the 12th percentile of its historical P/E range. Compare with industry peers and growth rates for a complete picture.
ACI Worldwide, Inc. has 49.0% gross margin and 18.7% operating margin. Operating margin between 10-20% is typical for established companies.
ACI Worldwide, Inc.'s Debt/EBITDA ratio is 2.0x, indicating moderate leverage. A ratio below 2x is generally considered financially healthy.