ACI Worldwide pairs a near-perfect Piotroski score with strong cash conversion, an attractive forward multiple of 11.7 times earnings, and 24% upside to analyst consensus — a combination that makes this one of the more compelling setups in the current list, pending confirmation that the technical recovery from the prior death cross area is sustained.
Thesis pillars
- Attractive Low Peg Valuation↓Deteriorating
- Near Perfect Balance Sheet Quality→Stable
- Technical Recovery In Progress↓Deteriorating
- +1 more pillar — see the Why tab for full reasoning
Pillars as of Jul 3, 2026, based on the 10-K filed Feb 26, 2026
ACI Worldwide, Inc. (ACIW) Stock Analysis
Breakout setup
Technology · Software - Infrastructure
Sell if holding. Analyst target reached at $55.20 — A.R:R is negative (-0.1) — price has exceeded the analyst target. Reward from here is too thin for a buy — the engine flags exit. Additional concerns: Sector modifier (Technology): -0.8.
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 $55.20 — A.R:R is negative (-0.1) — price has exceeded the analyst target. Reward from here is too thin for a buy — the engine flags exit. Additional concerns: Sector modifier (Technology): -0.8. Chart setup: Golden cross, above all MAs, RSI 70, MACD bullish. Score 6.1/10, moderate confidence.
Passes 5/7 gates (positive momentum, clean insider activity, no SEC red flags, semi cycle peak clear, materials cycle peak clear). Fails on favorable risk/reward ratio and earnings proximity 6d<=7d. 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 2026-10-29Recent Developments — ACI Worldwide, Inc.
Latest news
- NEWS Are Computer and Technology Stocks Lagging ACI Worldwide (ACIW) This Year? - Yahoo Finance — Yahoo Finance neutral
- NEWS Are Computer and Technology Stocks Lagging ACI Worldwide (ACIW) This Year? - finance.yahoo.com — finance.yahoo.com positive
- NEWS ACI Worldwide Inc (ACIW) Risk Assessment: Volatility, Financial Risk & Investment Risk - TradingKey — TradingKey neutral
- NEWS ACIW|ACI Worldwide Inc|Price:57.722|Chg%:-2.458 - TradingKey — TradingKey neutral
- NEWS ACIW|ACI Worldwide Inc|Price:57.722|Chg%:-2.458 - tradingkey.com — tradingkey.com neutral
Generated 2026-10-29T11:14:30Z.
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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
10 dimensions · all in-band
Price Targets
Position Sizing
Risk Alerts
Earnings
Verdict History
Frequently Asked Questions
Sell if holding. Analyst target reached at $55.20 — A.R:R is negative (-0.1) — price has exceeded the analyst target. Reward from here is too thin for a buy — the engine flags exit. Additional concerns: Sector modifier (Technology): -0.8. Chart setup: Golden cross, above all MAs, RSI 70, MACD bullish. Prior stop was $52.40. Score 6.1/10, moderate confidence.
Analyst target $54.82 reached (−0.7% from $55.20); no take-profit level is published. Prior stop was $52.40. Stop-loss: $52.40.
Analyst target reached - limited upside remaining; Sector modifier (Technology): -0.8; Earnings in 6 days (event risk).
ACI Worldwide, Inc. trades at a P/E of 25.2 (forward 14.1). TrendMatrix value score: 6.5/10. Verdict: Sell.
10 analysts cover ACIW with a consensus score of 4.0/5. Average price target: $65.
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.