ACI WORLDWIDE, INC. · Software

ACIW

Low riskNext report: Nov 5 (confirmed)

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The short version

A high-quality, profitable business with steady sales. Institutions are adding.

Going well

Profitable every year for 10 years
Sales up 10% last year
Brings in more cash than it spends

Money moves

No insider buying or selling in the last 30 days
Institutions added 3.6% to their holdings in the quarter ending June 2026 (189 bought, 177 sold)
Held by Ray Dalio (Bridgewater)

Facts from SEC filings, not a recommendation.

What the price means

Price as of Oct 26

$55.71-0.2% that day

Company value: $5.6B; Share price times all shares
Price vs profit (P/E): 25.6x; You pay about $26 for each $1 of yearly profit
Price vs sales: 3.1x; Company value is 3.1 times a year of sales
Cash vs value: 3%; Cash as a share of company value
Debt vs value: 15%; Debt as a share of company value

From ACIW's last IEX trade and its SEC filings (profits and sales over the last four quarters). A starting point for research, not a verdict.

The business over time

Last 12 quarters, from SEC filings

Sales, Jun '26

$430.4M+7.3% vs a year earlier

Sep '23Tap a barJun '26

Last 12 months: $1.8B, up 7.0% from the 12 months before. Over 5 years, sales grew about 6.3% a year.

What the price assumes

Your guesses, our math

Move the sliders to your own view of ACIW. Starting points are the company's recent numbers.

Sales growth+7% a yearRecently: +7.0% a yearProfit margin12%Last 12 months: 12.4%P/E at the end26xToday: 25.6x. Many steady companies trade at 12x to 25xShare count change-3% a yearBelow zero means buybacks; above zero means new shares (dilution)

Sales in 5 years$2.6B

Profit in 5 years$306M

Price these guesses point to$91.87+65% vs $55.71 todayAbout +11% a year, before dividends

What today's price needs: with a 12% margin and a 26x P/E, sales could shrink about 3.2% a year for 5 years and still match today's price.

Simple math on your guesses, not a forecast or a price target. Real results depend on many things these sliders leave out.

Price

Price chart by TradingView.

Business quality

The checklist Warren Buffett-style investors use. Annual numbers for 2025.

5/6Strong

PassReturn on equity 15%+Earns a lot on the money owners have in the business.15.4%
MissDebt under half of equityNot relying on borrowed money.0.54x equity
PassNet margin 10%+Keeps at least 10 cents of profit from each dollar of sales.12.9%
PassProfitable every yearSteady profits, not one good year.10 of 10 years
PassFree cash flow positiveBrings in more cash than it spends to run and grow.$309.9M
PassShare count not growingNot diluting owners. Falling means buybacks.-8.3% in 3 years

Revenue: $1.8B; +10.4% vs prior year
5-year growth: +6.3%/yr; revenue, per year
Total debt: $817.6M; 0.54x equity
Current ratio: 1.54x; short-term assets / bills due

From annual reports filed with the SEC. Not in this company's SEC data, so not scored: gross margin 40%+. A checklist is a starting point for research, not a verdict.