ACI WORLDWIDE, INC.

ACIW

ACI Worldwide, Inc. develops, markets, installs, and supports software products and services for facilitating electronic payments in the United States and worldwide. It operates through Payment Software, and Billers segments.

Country: United StatesPrice: $53.44Market Cap: $5.4B

Company Profile

Industry: Business Services
Size: Mid Cap($5.4B)
Revenue: $1.8B+10.4% YoY
Net Income: $226.7M+11.6% YoY

Financial Snapshot

Operating Margin18.7%
Return on Equity14.9%
Debt / Equity0.57
Current Ratio1.54
EPS (Diluted)$2.16+13.1%
Buybacks (1y)$202.6M
Buybacks (2y)$330.3M
Shares Retired2.4% / 5.0% 2y

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NBISNebius Group N.V.
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Shareholder Return

Fiscal 2025

Retired 2.4% of shares last year, 5.0% over two.

Buybacks
$202.6M
Dividends
—

What drove EPS

A buyback raises earnings per share without the company earning more. This splits each year's change into the two.

FY22
14.8% = 11.3% + 3.2%
FY23
−9.7% = −14.5% + 5.7%
FY24
70.5% = 67.2% + 2.0%
FY25
13.1% = 11.6% + 1.3%
Earnings Fewer shares More shares

The two parts do not sum exactly to the total — the difference is the cross-term, plus preferred capital where the company has any. It is left visible rather than distributed into the other two.

Share count is the denominator the filer used for diluted EPS, recovered as net income ÷ EPS — not the balance-sheet count, which is a point-in-time figure and would put the timing difference into this split. Years with a loss are omitted: a smaller share count makes a loss per share larger, so the decomposition inverts.

Company Financials

Annual data (10-K) · Last 5 years

MetricFY 2025FY 2024FY 2023FY 2022FY 2021
Market Cap$5.4B$5.6Best.$3.2Best.$3.0Best.$4.0Best.
Revenue$1.8B↑10%$1.6B↑10%$1.5B↑2%$1.4B↑4%$1.4B
Operating Income$329.9M↑7%$308.1M↑40%$220.4M↑8%$203.8M↓3%$209.9M
Net Income$226.7M↑12%$203.1M↑67%$121.5M↓15%$142.2M↑11%$127.8M
EPS (Diluted)$2.16↑13%$1.91↑71%$1.12↓10%$1.24↑15%$1.08
Gross Margin49.0%↓3%50.3%50.5%↓1%51.0%↓4%53.4%
Operating Margin18.7%↓3%19.3%↑27%15.2%↑6%14.3%↓6%15.3%
ROE14.9%↑5%14.3%↑55%9.2%↓23%11.9%↑16%10.3%
Total Debt$858.5M↓11%$959.5M↓14%$1.1B↓4%$1.2B↑4%$1.1B
Shareholders' Equity$1.5B↑7%$1.4B↑8%$1.3B↑11%$1.2B↓4%$1.2B
Current Ratio1.54↓6%1.64↑21%1.36↑4%1.30↑4%1.24
Debt / Equity0.57↓16%0.67↓20%0.84↓13%0.97↑8%0.89
Operating Cash Flow$322.8M↓10%$358.7M↑113%$168.5M↑18%$143.4M↓35%$220.5M
Free Cash Flow$309.9M↓10%$343.3M↑115%$159.6M↑23%$130.3M↓35%$199.9M
Scored from 10-K1d ago
MetricMarks

Risk-Aware Value

Akre

Three-Legged Stool

Druckenmiller

Macro-Enhanced Growth

Spier

Value Checklist

Pabrai

Dhandho Framework

Munger

Quality Focus

Ackman

Activist Value

Piotroski

F-Score

Greenblatt

Magic Formula

Lynch

GARP

Buffett

Quality Compounder

Graham

Defensive Value

VerdictHOLDPASSBUYBUYHOLDHOLDBUYHOLDNot rankedPASSFAILFAIL
Score
Analysis
Intrinsic Value
Margin of Safety-241.9%-56.1%+28.7%+2.3%-96.0%-50.3%+27.0%-261.3%-142.8%+1.0%-49.5%-99.3%
Data As Of10-K (2026-08-15)10-K (2026-08-15)10-K (2026-08-15)10-K (2026-08-15)10-K (2026-08-15)10-K (2026-08-15)10-K (2026-08-15)10-K (2026-08-15)10-K (2026-08-15)10-K (2026-08-15)10-K (2026-08-15)10-K (2026-08-15)

Where They Agree

    Where They Disagree

    • Profitability

      No clean pass — all 11 investors flag at least one profitability criterion

      Discount to Intrinsic Value-52.9% (IV=$25.95 vs Price=$39.68)
      ✗Marks>= 20% below intrinsic value
      Positive Net Income Frequency27/28 years positive
      ✓MarksPositive net income in >= 7 of last 10 years
      Return on Equity12.8% (3-yr avg)
      ✗AkreROE > 20% (3-year avg)
      EPS Growth AccelerationLatest: 13.1%, Prior: 70.5%
      ✗DruckenmillerAccelerating EPS growth
      Show 19 more metrics ▾
      Margin of SafetyP/E=18.4x, P/B=2.7x
      ✗SpierP/E < 15 AND P/B < 2.0✗PabraiP/B < 1.5 or P/E < 15
      Operating Income / Revenue18.7%
      ✓Ackman>= 15%
      Net Income / Shareholders Equity14.9%
      ✗Ackman>= 15%
      Net Income / Total Assets7.30%
      ✓PiotroskiROA > 0
      ROA Change YoY6.71% -> 7.30% (delta: +0.59%)
      ✓PiotroskiCurrent ROA > Prior ROA
      (CFO / Total Assets) vs ROACFO/Assets=10.40%, ROA=7.30%
      ✓PiotroskiCFO/Assets > ROA
      Gross Margin Change YoY50.3% -> 49.0%
      ✗PiotroskiImproved YoY
      EBIT / Enterprise Value7.0%
      ✗Greenblatt> 10%
      Earnings Yield + ROC AssessmentEY=7.0%, ROC=107.7%
      ✗GreenblattBoth EY > 10% and ROC > 25%
      3-5 Year EPS CAGR28.4%
      ✓Lynch15-30% (Fast Grower); > 0% to pass
      ROE14.9%
      ✗Lynch> 15%
      Net Income Positive (10+ years)27/28 years positive
      ✗BuffettPositive every year for 10+ years
      ROE (5-yr avg)12.1%
      ✗Buffett> 15% (5-yr avg)
      Operating Margin (10-yr trend)18.7% (latest)
      ✗BuffettStable or rising over 10 years
      Free Cash Flow Proxy$310.7M
      ✓BuffettPositive and growing
      Earnings Variance (10-yr CoV)
      ✗BuffettCoV < 0.3
      Retained Earnings Effectiveness0.14x
      ✗Buffett$1 retained -> > $1 market value created
      Positive EPS (10 years)18/28 years positive
      ✗GrahamPositive EPS every year for 10 years
      EPS Growth (3-yr avg, 10-yr window)
      ✗Graham>= 33% growth
    • Debt & Leverage

      3 of 8 pass — Akre, Munger, Lynch +2 more object

      Interest Coverage & Debt/EBITDAIC=5.2x, D/EBITDA=2.0x
      ✓MarksInterest Coverage > 3x; Debt/EBITDA < 4x
      Debt Levels0.57
      ✗AkreDebt/Equity < 0.3✗MungerDebt/Equity < 0.5
      Total Debt / Shareholders Equity0.57
      ✓Ackman<= 1.0
      LT Debt / Total Assets Change29.41% -> 25.01%
      ✓PiotroskiDecreased YoY
      Show 4 more metrics ▾
      Total Debt / Equity0.57
      ✗Lynch< 0.33
      Cash - Long-term Debt$-580.2M
      ✗LynchPositive preferred
      Debt/Equity & Interest CoverageD/E: 0.57, IC: 5.2x
      ✗BuffettD/E < 0.5 AND Interest Coverage > 5x
      LT Debt vs Net Current AssetsLT Debt $776.7M vs NCA $383.5M
      ✗GrahamLT Debt <= Net Current Assets
    • Valuation

      4 of 9 pass — Marks, Spier, Pabrai +2 more object

      P/B or P/E vs. Historical AverageP/E=18.4x, P/B=2.7x
      ✗MarksP/E < 15 or P/B < 2.0
      Discount to Intrinsic Value-52.9% (IV=$25.95 vs Price=$39.68)
      ✗Marks>= 20% below intrinsic value
      Price vs. 200-day MAQualitative
      ✓DruckenmillerPrice above 200-day moving average
      Margin of SafetyP/E=18.4x, P/B=2.7x
      ✗SpierP/E < 15 AND P/B < 2.0
      Show 9 more metrics ▾
      P/E or FCF YieldP/E=18.4x, FCF Yield=7.6%
      ✗PabraiP/E < 15 or FCF Yield > 10%
      Valuation ReasonablenessP/E=18.4x, OE Yield=7.6%
      ✓MungerP/E < 25 or Owner Earnings Yield > 5%
      Price / FCF per Share13.2x
      ✓Ackman<= 25
      EBIT / Enterprise Value7.0%
      ✗Greenblatt> 10%
      Earnings Yield + ROC AssessmentEY=7.0%, ROC=107.7%
      ✗GreenblattBoth EY > 10% and ROC > 25%
      P/E / EPS Growth Rate0.65
      ✓Lynch< 1.0 (ideally < 0.5)
      Price / 3-yr avg EPS22.9x
      ✗Graham<= 15x
      Price-to-Book Ratio2.7x
      ✗Graham<= 1.5x
      P/E x P/B61.50
      ✗Graham<= 22.5
    • Cash Flow

      4 of 6 pass — Pabrai and Lynch object

      FCF Positive17/18 years FCF positive
      ✓MarksPositive FCF in majority of recent years
      P/E or FCF YieldP/E=18.4x, FCF Yield=7.6%
      ✗PabraiP/E < 15 or FCF Yield > 10%
      (OCF - CapEx) / Market Cap7.6%
      ✓Ackman>= 4%
      Price / FCF per Share13.2x
      ✓Ackman<= 25
      Show 4 more metrics ▾
      Operating Cash Flow$322.8M
      ✓PiotroskiCFO > 0
      (CFO / Total Assets) vs ROACFO/Assets=10.40%, ROA=7.30%
      ✓PiotroskiCFO/Assets > ROA
      FCF Positive and Growing$309.9M
      ✗LynchPositive and growing
      Free Cash Flow Proxy$310.7M
      ✓BuffettPositive and growing
    • Growth

      3 of 5 pass — Druckenmiller and Graham object

      Positive Net Income Frequency27/28 years positive
      ✓MarksPositive net income in >= 7 of last 10 years
      EPS Growth AccelerationLatest: 13.1%, Prior: 70.5%
      ✗DruckenmillerAccelerating EPS growth
      Revenue Growth RateLatest: 10.4%, Prior: 9.8%
      ✓DruckenmillerRevenue growth accelerating
      3yr Median Revenue Growth9.8%
      ✓Ackman>= 5%
      Show 5 more metrics ▾
      Positive EPS Growth Frequency4/5 years with positive EPS growth
      ✓AckmanPositive EPS growth in >= 3 of last 5 years
      P/E / EPS Growth Rate0.65
      ✓Lynch< 1.0 (ideally < 0.5)
      3-5 Year EPS CAGR28.4%
      ✓Lynch15-30% (Fast Grower); > 0% to pass
      Inventory Growth vs Revenue GrowthN/A (no inventory)
      ✓LynchInventory growth < Revenue growth
      EPS Growth (3-yr avg, 10-yr window)
      ✗Graham>= 33% growth
    • Efficiency

      1 of 6 pass — Akre, Munger, Piotroski +2 more object

      ROIC (high and growing)1/17 years ROIC > 15% (latest: 11.0%)
      ✗AkreROIC > 15% for 3+ years
      Reinvestment Rate x ROIC11.0% (RR=100% x ROIC=11.0%)
      ✓AkreReinvestment Rate * ROIC > 10%
      Return on Invested Capital11.0%
      ✗Munger> 15%
      Current Ratio Change YoY1.64 -> 1.54
      ✗PiotroskiIncreased YoY
      Show 5 more metrics ▾
      Revenue / Total Assets Change YoY0.53x -> 0.57x
      ✓PiotroskiImproved YoY
      EBIT / (NWC + Net Fixed Assets)107.7%
      ✓Greenblatt> 25%
      ROIC (3-5 yr avg)9.1%
      ✗Buffett> 10%
      ROIC - WACC-0.9%
      ✗BuffettPositive (WACC = 10%)
      Current Ratio1.54
      ✗Graham>= 2.0
    • Verdicts

      Split decision: 4 HOLD · 3 BUY · 2 PASS · 2 FAIL

      Overall verdict
      •MarksHOLD (6/8)✓AkrePASS (3/7)✓DruckenmillerBUY (5/7)✓SpierBUY (7/8)•PabraiHOLD (5/8)•MungerHOLD (5/7)✓AckmanBUY (8/9)•PiotroskiHOLD (F-Score 7)•GreenblattNot ranked✓LynchPASS (PEG 0.65)✗BuffettFAIL (1/9)✗GrahamFAIL (1/9)
    • Valuation models

      Models split on ACIW at $53.44 — fair values range $14.79–$74.99

      Marks fair value$15.63
      ✗Marks-241.9% margin vs $53.44
      Akre fair value$34.24
      ✗Akre-56.1% margin vs $53.44
      Druckenmiller fair value$74.99
      ✓Druckenmiller+28.7% margin vs $53.44
      Spier fair value$54.69
      ✓Spier+2.3% margin vs $53.44
      Show 8 more metrics ▾
      Pabrai fair value$27.26
      ✗Pabrai-96.0% margin vs $53.44
      Munger fair value$35.56
      ✗Munger-50.3% margin vs $53.44
      Ackman fair value$73.23
      ✓Ackman+27.0% margin vs $53.44
      Piotroski fair value$14.79
      ✗Piotroski-261.3% margin vs $53.44
      Greenblatt fair value$22.01
      ✗Greenblatt-142.8% margin vs $53.44
      Lynch fair value$54.00
      ✓Lynch+1.0% margin vs $53.44
      Buffett fair value$35.75
      ✗Buffett-49.5% margin vs $53.44
      Graham fair value$26.81
      ✗Graham-99.3% margin vs $53.44

    Historical Score Timeline

    Industry Peers

    Similar companies in Business Services

    ACIW vs Peers — Financial Grading

    Revenue$1.8BMedian
    Net Income$226.7MMedian
    ROE14.9%Median
    D/E0.57Median
    Op. Margin18.7%Median
    Curr. Ratio1.54Median
    CompanyMarket CapPriceRevenueNet IncomeROED/EOp. MarginCurr. RatioGrahamBuffettLynchGreenblattPiotroski
    Uber Technologies, IncUBER$155.1B$75.95$52.0B$10.1B37.2%0.3910.7%1.141/94/93/70/3F-Score 6
    INTUIT INC.INTU$94.6B$345.66$18.8B$3.9B19.6%0.3026.1%1.362/97/95/71/3F-Score 8
    MOODYS CORP /DE/MCO$84.0B$484.96$7.7B$2.5B60.7%1.7343.4%1.742/96/94/71/3F-Score 8
    Nebius Group N.V.NBIS$70.5B$277.68$529.8M$82.5M1.8%0.90-115.5%3.082/92/91/70/3F-Score 6
    QUALYS, INC.QLYS$6.6B$186.05$669.1M$198.3M35.3%—33.2%1.412/93/95/70/3F-Score 8
    Flywire CorpFLYW$2.3B$18.81$623.0M$13.5M1.6%—1.8%1.501/92/92/70/3F-Score 7
    INNODATA INCINOD$2.1B$63.85$251.7M$32.2M30.0%—15.8%2.683/93/95/71/3F-Score 6
    INSPERITY, INC.NSP$2.0B$52.20$6.8B$7.0M-15.2%8.02-0.1%1.063/94/92/70/3F-Score 1