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ACI Worldwide Inc

ACI Worldwide Inc

ACIW
$52.09USD↑+0.23%+0.12 today

MARKET CAP

5.3B

P/E (TTM)

26.2x

FWD P/E

—

DAY RANGE

$51 – $52

52W RANGE

$38
$61

AI Summary

Stalk
TrimMedium

ACIW remains in a Stage 4 decline beneath all intermediate EMAs and the 200-day SMA, supporting a bearish medium-term bias. While the Bearish Exhaustion pattern suggests a potential short-term bottoming attempt, price has failed to establish acceptance above the 20- and 50-day EMAs. Selling into rallies near those EMAs offers the best risk/reward, with deferment warranted until a decisive rejection is confirmed.

  • ↑Q2 revenue rose 7% to $430M; adjusted EBITDA up 12% to $91M
  • ↑Adjusted diluted EPS surged 54% to $0.54, reflecting margin expansion
  • ↓Profitability weak as real-time payments revenue declined year-over-year
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The case for & against

Bull & Bear analysis

Bullish

ACI Worldwide (NASDAQ: ACIW) is a significant player in the electronic payments industry, providing software solutions that modernize payment infrastructures for financial institutions and merchants. Positioned strategically within a rapidly evolving payments ecosystem, the company emphasizes innovation and operates under key themes of modernization and AI integration in financial services, as seen through its developments like the Kinetic platform. ACIW is aiming to adapt to the demands of modern payment environments while addressing customer needs for simplicity and efficiency.

Bull says

  • ↑Q2 revenue rose 7% to $430M; adjusted EBITDA up 12% to $91M
  • ↑Adjusted diluted EPS surged 54% to $0.54, reflecting margin expansion
  • ↑Kinetic platform signed first U.S. customer, expanding growth pipeline
  • ↑Raised full-year revenue guidance to $1.895–$1.925B on recurring base
  • ↑Returned $107M via buybacks YTD, targeting 50–60% of operating cash flow
  • ↑High earnings yield and positive growth momentum support valuation

Bear says

  • ↓Profitability weak as real-time payments revenue declined year-over-year
  • ↓Negative sales revisions point to lowered earnings expectations
  • ↓Net leverage at 1.2× adjusted EBITDA may strain liquidity
  • ↓Slow Kinetic uptake could hinder market positioning and adoption
  • ↓Fintech competition risks eroding ACI’s market share gains
  • ↓Weak profitability and negative sales trends raise valuation concerns

Investment themes with ACIW

FinTech Lending↓ -2.43%

Financial technology companies providing loans

SOFI · COIN · FIS
Payments↓ -1.82%

Digital and traditional payment processing solutions

XYZ · MA · V

Earnings Call · Q1 2024 · Mgmt. Guidance

Updated 05-12-2025bullish

Transcript signals

Bull points

  • Revenue in the quarter was $316 million, up 9% compared to Q1 2023 and adjusted EBITDA was $48 million, nearly double Q1 2023.
  • we saw particular strength in the bank segment with revenue of $105 million, up 20% compared to Q1 last year and adjusted EBITDA of $42 million, up nearly 70% compared to Q1 last year.
  • Our anti-fraud solutions grew 23%, and our real-time payment solution grew 28%. We saw a pretty solid quarter in the banking segment across the board.

Bear points

  • a couple of our large customers that we signed over the last year or 2, we saw their ramp-up go a little faster than we expected.
Read full transcript analysis ›