ACI Worldwide is a high-quality software company (Piotroski 9/9) with strong earnings growth, a 3-for-4 beat record and positive momentum, but the price is 2.7% above the analyst target and earnings are due in 4 days. It suits holding rather than adding at this price.
Thesis pillars
- Earnings Growth Low Peg↓Deteriorating
- Strong Financial Health Score→Stable
- Mostly Positive Earnings Record↑Improving
- +2 more pillars — see the Why tab for full reasoning
Pillars as of Nov 1, 2026, based on the 10-K filed Feb 26, 2026
ACI Worldwide, Inc. (ACIW) Stock Analysis
Technology · Software - Infrastructure
Sell if holding. Analyst target reached at $59.19 — A.R:R is negative (-0.3) — price has exceeded the analyst target. Reward from here is too thin for a buy — the engine flags exit. Additional concerns: Near 52-week high (3.1% away).
ACI Worldwide develops and markets payment software for banks, merchants, and billers across approximately 90 countries, serving nearly all of the top 10 global banks by assets and more than 80,000 merchants. Revenue comes from multi-year software licenses, SaaS/PaaS... Read more
Sell if holding. Analyst target reached at $59.19 — A.R:R is negative (-0.3) — price has exceeded the analyst target. Reward from here is too thin for a buy — the engine flags exit. Additional concerns: Near 52-week high (3.1% away). Chart setup: No clear chart pattern; technical signals are mixed. Score 6.4/10, moderate confidence.
Passes 6/7 gates (positive momentum, clean insider activity, no SEC red flags, earnings proximity no date, semi cycle peak clear, materials cycle peak clear). Fails on favorable risk/reward ratio. Suitability: moderate.
About ACI Worldwide, Inc.
About ACI Worldwide, Inc.
ACI Worldwide's ACI Payments Orchestration Platform serves more than 80,000 merchants globally — including seven of the top 10 global retailers — while bank and intermediary solutions reach customers in approximately 90 countries, encompassing nearly all of the top 10 global banks by asset size. Solutions span issuing, acquiring, real-time payments, bill presentment, and fraud management, delivered through on-premises, SaaS, or PaaS deployments with customer commitments of three to five years depending on the arrangement.
ACI earns revenue from three customer segments — banks and intermediaries, merchants, and billers — through a combination of term software licenses, SaaS/PaaS subscriptions, and professional services, with pricing tied to transaction volumes and deployment model. The merchant payments segment, anchored by the ACI Payments Orchestration Platform, competes against Adyen, Cybersource (Visa Acceptance Solutions), Fiserv, and Worldpay. Fraud management faces competition from Fair Isaac Corporation (FICO), Featurespace, Feedzai, and Forter. Bill payments is sold exclusively in the United States. Distribution relies primarily on direct sales, supplemented by distributors and referral partners in markets where direct presence is less efficient, and integration partnerships with systems integrators including Concerto, Opus Technologies, Synechron, and Cognizant.
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ACI's bank and intermediary customers face substantial migration costs when switching payment software vendors — the 10-K notes that transitioning from one vendor to another "is a significant endeavor" involving "disruption of business operations, loss of accustomed functionality, and increased costs." The company has built connectivity to real-time payment rails including the U.S. FedNow, UK Faster Payments, European TIPS, Australia NPP, and South Africa RPP, deepening integration dependencies that raise the cost and complexity of any competitive displacement.
See also: Technology · Software - Infrastructure
From ACI Worldwide, Inc.'s most recent 10-K filing, extracted June 9, 2026.
Recent developments
updated Oct 27, 2026Recent Developments — ACI Worldwide, Inc.
Latest news
- NEWS Circle Stock In Focus After ACI Worldwide Deal Brings USDC Settlement To Colombian Banks - Yahoo Finance — Yahoo Finance Oct 27, 2026 positive
- NEWS ACIW Maintained by DA Davidson -- Price Target Held at $66.00 - GuruFocus — GuruFocus Sep 2, 2026 neutral
- NEWS D.A. Davidson reiterates Buy on ACI Worldwide stock after acquisition By Investing.com - Investing.com Canada — Investing.com Canada Sep 2, 2026 neutral
- NEWS D.A. Davidson reiterates Buy on ACI Worldwide stock after acquisition By Investing.com - Investing.com Nigeria — Investing.com Nigeria Sep 2, 2026 positive
- NEWS D.A. Davidson reiterates Buy on ACI Worldwide stock after acquisition - Investing.com — Investing.com Sep 2, 2026 positive
Latest item Oct 27, 2026 · Generated 2026-11-05T11:34:06Z.
Upcoming dated catalysts
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Model-generated analysis — not investment advice. Not a registered investment advisor. Past performance does not guarantee future results. How we score · Editorial policy
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Rating Breakdown
1 floor-breaker·1 ceiling hit
Technicals below the gate floor. Component breakdown shows what dragged the score down.static
Price Targets
Position Sizing
Risk Alerts
Earnings
Verdict History
Frequently Asked Questions
Sell if holding. Analyst target reached at $59.19 — A.R:R is negative (-0.3) — price has exceeded the analyst target. Reward from here is too thin for a buy — the engine flags exit. Additional concerns: Near 52-week high (3.1% away). Chart setup: No clear chart pattern; technical signals are mixed. Prior stop was $55.93. Score 6.4/10, moderate confidence.
Analyst target $56.10 reached (−5.2% from $59.19); no take-profit level is published. Prior stop was $55.93. Stop-loss: $55.93.
Analyst target reached - limited upside remaining; Near 52-week high (3.1% away); Sector modifier (Technology): -0.8.
ACI Worldwide, Inc. trades at a P/E of 27.0 (forward 15.2). TrendMatrix value score: 6.3/10. Verdict: Sell.
12 analysts rate ACIW, with a consensus score of 4.0/5. 4 analysts publish price targets averaging $66.
What does ACI Worldwide, Inc. do?ACI Worldwide develops and markets payment software for banks, merchants, and billers across approximately 90...
ACI Worldwide develops and markets payment software for banks, merchants, and billers across approximately 90 countries, serving nearly all of the top 10 global banks by assets and more than 80,000 merchants. Revenue comes from multi-year software licenses, SaaS/PaaS subscriptions, and professional services, with minimum contract terms of three to five years; no single customer exceeded 10% of revenue in 2025.