ACI Worldwide Inc. Common Stock (ACIW)

FairStock Score: 58/100 — STEADY

Key Financials

AI Analysis

AI-generated, general educational analysis — not personal investment advice.

I look for businesses with durable economics, honest accounting, and a price that leaves room for error. ACI Worldwide sells payment software to banks and billers, a switching-cost business that can create stickiness. The filed numbers show progress: in fiscal Q2 2026, the quarter ended 2026-06-30, revenue was $430.4M, net income $31.8M, diluted EPS $0.31, compared with fiscal Q2 2025 revenue of $401.3M, net income $12.2M, diluted EPS $0.12. For FY2025, the year ended 2025-12-31, revenue was $1.8B, net income $226.7M, diluted EPS $2.16, versus FY2024 revenue $1.6B, net income $203.1M, diluted EPS $1.91. That is respectable but not rapid. FairStock calls it a Stalwart: 25.5% annual profit growth over five years and 6.3% revenue growth. The balance sheet is reasonable: debt-to-equity 0.58, Altman Z 3.15, Piotroski 6/9, and trailing free cash flow $284.7M, a 5.5% FCF yield. Returns are mixed: ROE 15.62%, ROCE 6.98%—capital efficiency is not exceptional. At $51.20 on 2026-10-13, FairStock calculates P/E 23.49, P/B 3.46, EV/EBITDA 12.53. The Graham Number is $26.93, so the price carries a -90.12% margin of safety—meaning none. FairStock Score 58/100 says average. I would want a wider discount before calling it a bargain; quality is decent, price is full.

In plain English: ACI Worldwide makes software that helps banks and billers handle electronic payments. The company is profitable and produces cash, but growth is slow and profits have been uneven. At $51.20 on 2026-10-13, the shares look expensive compared with what the company earns and owns, so it does not look like a bargain on these numbers.

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Data as of 2026-10-13 close · note generated 2026-10-15 · model deepseek-flash

Sources (SEC EDGAR): fiscal Q2 2026 10-Q (period ended 2026-06-30) · fiscal Q1 2026 10-Q (period ended 2026-03-31) · fiscal Q3 2025 10-Q (period ended 2025-09-30) · fiscal Q2 2025 10-Q (period ended 2025-06-30) · FY2025 10-K (period ended 2025-12-31) · FY2024 10-K (period ended 2024-12-31) · FY2023 10-K (period ended 2023-12-31)

Fundamentals from company filings and market-data providers; prices are end-of-day, not real-time. AI-generated analysis is general and educational — not personal investment advice. Scoring methodology · Score test · Disclaimer