Stock Fundamentals

Company Information

Company Name
ACI Worldwide Inc
Sector
Technology
Industry
Software - Infrastructure
Exchange
NASDAQ
ISIN: US0044981019
CIK: 0000935036
CUSIP: 893416107
Currency: USD
Full Time Employees: 3,103
Phone: 402 390 7600
Fiscal Year End: December
IPO Date: Feb 23, 1995
Description:

ACI Worldwide, Inc. develops, markets, installs, and supports software products and services for facilitating electronic payments in the United States and internationally. It operates through Banks, Merchants, and Billers segments. The company offers ACI Acquiring, a solution to process credit, debit, and prepaid card transactions, deliver digital innovation, enhance fraud prevention, and reduce interchange fees; ACI Issuing, a digital payment issuing solution; and ACI Enterprise Payments Platform to provide payment players payment processing and orchestration for digital payments. It also provides account-to-account payments to support processing for banks and intermediaries, as well as regulatory compliance. In addition, the company offers ACI Payments Orchestration Platform, an omnichannel payments platform that orchestrates and optimizes payments; ACI Fraud Management for merchants, billers, and financial institutions, as well as ACI Fraud Scoring Services with artificial and human insights with data intelligence; and ACI Speedpay, an integrated suite of digital billing, payment, disbursement, and communication services. It offers electronic bill presentment and payment services to consumer finance, insurance, healthcare, higher education, utility, government, subscription provider, telecommunications, and mortgage sectors; product installations and configurations, and custom software modifications; and business and technical consultancy, on-site support, product education, and testing services, as well as distributes or acts as a sales agent for software developed by third parties. The company markets its products and services under the ACI Worldwide brand. The company was formerly known as Transaction Systems Architects, Inc. and changed its name to ACI Worldwide, Inc. in July 2007. The company was founded in 1975 and is headquartered in Elkhorn, Nebraska.

Address:

6060 Coventry Drive, Elkhorn, NE, United States, 68022-6482

Directors & Officers

Name Title Year Born
Mr. Thomas Woodrow Warsop III CEO, President & Director 1966
Mr. Robert W. Leibrock Chief Financial Officer 1982
Mr. J. P. Krishnamoorthy Chief Innovation & Technology Officer 1968
Mr. Dennis P. Byrnes J.D. Executive VP, Chief Legal and Risk Officer, General Counsel & Secretary 1963
Ms. Praveena Nathawat Chief Human Resources Officer NA
Mr. Craig A. Maki Chief Development Officer 1966
Mr. John Kraft Head of Strategy & Finance NA
Mr. Craig Ramsey Head of Real-Time Payments, Product Management NA

Institutional Holders

Holder Name Shares Date Reported % Out Value % Change
BlackRock Inc 16.89M Sep 30, 2025 16.39% $0.02 -2.55%
Vanguard Group Inc 13.41M Dec 31, 2025 13.01% $0.01 -1.71%
Franklin Resources Inc 9.66M Sep 30, 2025 9.37% $0.07 79.59%
State Street Corp 4.13M Sep 30, 2025 4.01% $0.01 -2.65%
Geode Capital Management, LLC 3.10M Sep 30, 2025 3.01% $0.01 0.39%
Hood River Capital Management LLC 3.04M Dec 31, 2025 2.95% $1.59 1.82%
Dimensional Fund Advisors, Inc. 2.47M Dec 31, 2025 2.39% $0.02 -1.28%
AllianceBernstein L.P. 2.34M Sep 30, 2025 2.27% $0.04 4.85%
Morgan Stanley - Brokerage Accounts 2.06M Sep 30, 2025 2.00% $0.01 -14.14%
North Reef Capital Management LP 1.97M Dec 31, 2025 1.91% $3.79 10.44%
Arrowstreet Capital Limited Partnership 1.68M Dec 31, 2025 1.63% $0.05 24.10%
Millennium Management LLC 1.43M Sep 30, 2025 1.39% $0.03 879.83%
London Company of Virginia 1.40M Dec 31, 2025 1.36% $0.39 -19.11%
Congress Asset Management Company, LLP 1.39M Dec 31, 2025 1.35% $0.47 3.96%
Northern Trust Corp 1.31M Sep 30, 2025 1.27% $0.01 -0.67%
Charles Schwab Investment Management Inc 1.29M Dec 31, 2025 1.26% $0.01 -0.73%
FMR Inc 1.15M Dec 31, 2025 1.12% $0.00 176.65%
NORGES BANK 1.14M Dec 31, 2025 1.11% $0.01 10.33%
Ameriprise Financial Inc 1.14M Sep 30, 2025 1.11% $0.01 -31.79%
Reinhart Mahoney Capital Management Inc 1.13M Dec 31, 2025 1.10% $1.62 10.50%

Shares Statistics

Shares Outstanding: 103.09M
Shares Float: 101.77M
% Insiders: 123.60%
% Institutions: 10,135.90%
Short % Float: 5.10%

🏆 Top 10 Institutional Holders

Rank Holder Name Shares Held % of Shares Change Date Reported
1 BlackRock Inc 16.89M 16.39% ▼ 2.55% Sep 30, 2025
2 Vanguard Group Inc 13.41M 13.01% ▼ 1.71% Dec 31, 2025
3 Franklin Resources Inc 9.66M 9.37% ▲ 79.59% Sep 30, 2025
4 State Street Corp 4.13M 4.01% ▼ 2.65% Sep 30, 2025
5 Geode Capital Management, LLC 3.10M 3.01% ▲ 0.39% Sep 30, 2025
6 Hood River Capital Management LLC 3.04M 2.95% ▲ 1.82% Dec 31, 2025
7 Dimensional Fund Advisors, Inc. 2.47M 2.39% ▼ 1.28% Dec 31, 2025
8 AllianceBernstein L.P. 2.34M 2.27% ▲ 4.85% Sep 30, 2025
9 Morgan Stanley - Brokerage Accounts 2.06M 2.00% ▼ 14.14% Sep 30, 2025
10 North Reef Capital Management LP 1.97M 1.91% ▲ 10.44% Dec 31, 2025

Valuation Metrics

Enterprise Value: $4.79B
Trailing P/E: 16.06
Forward P/E: 11.90

Financial Highlights

Market Cap: $4.09B
EBITDA: $426.86M
P/E Ratio: $16.06
PEG Ratio: $-3.24
Book Value: $14.76
Earnings/Share: $2.47
Profit Margin: 12.88%
Operating Margin: 22.60%
ROA (TTM): 6.73%
ROE (TTM): 15.40%
Revenue (TTM): $1.76B
Revenue/Share (TTM): $16.93
Earnings Growth (YOY): -33.40%
Revenue Growth (YOY): 6.30%

Stock Price History

1 Year Price History

2 Years Price History

5 Years Price History

10 Years Price History

Download Financials (Excel)

Financial Charts

Revenue & Net Income (Yearly)

Revenue & Net Income (Quarterly)

Operating Expenses (Yearly)

Operating Expenses (Quarterly)

Balance Sheet (Yearly)

Balance Sheet (Quarterly)

Assets Breakdown (Yearly)

Assets Breakdown (Quarterly)

Liabilities Breakdown (Yearly)

Liabilities Breakdown (Quarterly)

Earnings Per Share (EPS) History

Financial Ratios (Yearly)

Financial Ratios (Quarterly)

Earnings History

Balance Sheet (Yearly)

Financial Ratios

Date Current Ratio Debt/Equity Debt/Assets Interest Coverage Debt/EBITDA
2025-12-31 1.54x 0.03x 0.51x 5.70x 0.09x
2024-12-31 1.64x 0.66x 0.53x 4.25x 2.11x
2023-12-31 1.36x 0.79x 0.62x 2.81x 2.91x
2022-12-31 1.30x 0.92x 0.63x 3.83x 2.77x
2021-12-31 1.24x 0.87x 0.61x 4.66x 2.96x
2020-12-31 1.28x 0.97x 0.64x 2.56x 3.66x
2019-12-31 1.50x 1.23x 0.65x 1.93x 5.05x
2018-12-31 1.91x 0.64x 0.51x 3.03x 2.91x
2017-12-31 1.31x 0.90x 0.59x 2.17x 3.71x
2016-12-31 1.08x 0.99x 0.60x 5.50x 2.26x
2015-12-31 0.99x 1.47x 0.67x 3.09x 3.80x
2014-12-31 1.10x 1.59x 0.69x 3.48x 4.12x
2013-12-31 1.26x 1.39x 0.68x 4.52x 3.97x
2012-12-31 1.34x 0.70x 0.57x 7.14x 2.96x
2011-12-31 1.51x 0.43x 0.52x 27.24x 1.44x
2010-12-31 1.09x 0.30x 0.58x 26.88x 1.00x
2009-12-31 1.40x 0.58x 0.60x 14.56x 2.30x
2008-12-31 1.48x 0.56x 0.61x 4.33x 2.20x
2007-12-31 1.11x 0.52x 0.56x 0.36x 5.03x
2006-12-31 1.43x 0.52x 0.50x 290.69x 2.24x
2005-12-31 1.97x 0.01x 0.40x 125.98x 0.03x
2004-12-31 2.19x 0.03x 0.40x 38.20x 0.11x
2003-12-31 1.71x 0.20x 0.53x 11.76x 0.56x
2002-12-31 1.44x 0.42x 0.61x 7.45x 0.75x
2001-12-31 1.67x 0.03x 0.33x -28.02x -0.39x
2000-12-31 1.65x 0.09x 0.36x -57.97x -0.87x
1999-12-31 1.91x 0.00x 0.32x 175.75x 0.01x
1998-12-31 2.12x 0.01x 0.35x 257.00x 0.02x
1997-12-31 2.01x 0.01x 0.37x N/A 0.03x
1996-12-31 1.91x 0.02x 0.38x 116.00x 0.04x
1995-12-31 1.97x 0.01x 0.40x 5.71x 0.03x
1994-12-31 1.06x 3.00x 0.98x -9.67x -0.17x

Insider Trading

Date Insider Name Title Transaction Type Shares Price Value
Nov 10, 2025 Abraham Kuruvilla N/A Sale 4.21K $47.69 $200.77K
Oct 31, 2025 Lisa C. McClain N/A Sale N/A $47.63 N/A
Oct 30, 2025 Lisa C. McClain N/A Purchase N/A $47.23 N/A
Oct 30, 2025 Lisa C. McClain N/A Sale N/A $47.23 N/A
Aug 19, 2025 Lisa C. McClain N/A Purchase N/A $47.03 N/A
Jun 18, 2025 Janet O Estep N/A Sale 4.50K $44.66 $200.97K
Jun 10, 2025 Mary P Harman N/A Sale 7.19K $47.48 $341.57K
May 12, 2025 Thomas W Warsop III N/A Purchase 5.00K $48.57 $242.85K
Mar 03, 2025 Charles E Peters Jr N/A Sale 12.94K $57.57 $744.96K

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