ACI Worldwide (ACIW)
Provides software for bank processing, merchant acceptance, fraud control, and bill payments.
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Provides issuing, acquiring, real-time payment, merchant orchestration, fraud, and bill-payment software to banks, intermediaries, merchants, and billers. Revenue comes from licenses, cloud subscriptions, transaction-linked fees, maintenance, and implementation; bank and merchant products are global, while bill-payment products are sold only in the United States.
Develops payment software for banks, intermediaries, merchants, and billers through its Payment Software and Biller reportable segments. Payment Software spans ACI Issuing, ACI Acquiring, account-to-account real-time payments, ACI Connetic, the ACI Payments Orchestration Platform for merchants, and fraud management. Biller centers on Speedpay ONE for electronic bill presentment and payment across utilities, lending, insurance, healthcare, higher education, government, and telecommunications.
Earns revenue from term licenses and capacity fees, cloud subscriptions and transaction-linked platform fees, maintenance, and implementation services. Bank and merchant products are sold globally, while bill-payment products are limited to the United States. Its systems perform authentication, authorization, switching, settlement, fraud checking, and reconciliation for payments that run continuously. Operations depend on uninterrupted data-center and cloud infrastructure, payment-network rules, banking oversight, and money-transmitter licensing.
Company facts
Target rangeAs of Sep 22, 2026
Latest analyst notes
| Date | Firm | Action | Prior | Current |
|---|---|---|---|---|
| Aug 7, 2026 | DA Davidson | Reiterate | Rating: —Target: $64 | Target: $66 |
| Jul 15, 2026 | DA Davidson | Reiterate | Rating: —Target: $60 | Target: $64 |
| Jan 14, 2026 | Seaport Global | Reiterate | Rating: —Target: $77 | Target: $70 |
| Jul 17, 2025 | Stephens & Co. | Upgrade | ||
| May 12, 2025 | DA Davidson | Upgrade |
EPSReportedEstimate
RevenueReportedEstimate
Balance sheet, Jun 30, 2026Cash & short-term investments $167.4M · Total debt $849.5M · Total assets $3.10B · Shareholders' equity $1.50B
- Revenue
- $430.4M
- Operating income
- $44.6M
- Net income
- $31.8M
No dividends on record.
| Institutions | 104.66% | 105.66M shares | |
|---|---|---|---|
| 380 holders · as of Jun 30, 2026 | |||
| Insiders | 1.88% | 1.90M shares | |
| 17 holders · as of Sep 9, 2026 | |||
| Strategic holders | 14.05% | 14.18M shares | |
| 2 holders · as of Feb 14, 2022 | |||
| Adds to | 120.59% | ||
100.96M company shares as of Sep 23, 2026 · institutions as of Jun 30, 2026 · holders as of their latest filing
These groups come from separate filings that can overlap, so they add to 120.59%; nothing is left for Other.
Top shareholders13F · 13D/G · Form 4
| Holder | Stake | Shares | Date |
|---|---|---|---|
BlackRock, Inc.Institution | 16.23% | 16.38M | as of Jun 30, 2026 |
Waddell & Reed Financial, Inc. Tax ID No.Strategic | 13.55% | 13.68M | filed Feb 14, 2018 |
Vanguard Portfolio Management LLCInstitution | 8.04% | 8.11M | as of Jun 30, 2026 |
Franklin Resources IncInstitution | 6.63% | 6.70M | as of Jun 30, 2026 |
FMR LLCInstitution | 6.48% | 6.55M | as of Jun 30, 2026 |
Insider tradesForm 4
| Date | Insider | Role | Shares | Avg price |
|---|---|---|---|---|
| Mar 2, 2026 | Adalio T. Sanchez | director | +3,000 | $40.98 |
| Mar 3, 2026 | Juan II Benitez | director | +2,400 | $41.90 |
| Nov 10, 2025 | Abraham Kuruvilla | officer: Chief Technology Officer | −4,210 | $47.69 |
- Fiserv
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- Paymentus
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- Global Payments
Enterprise merchant acquirer with Worldpay eCommerce gateway since Jan 2026
- NCR Atleos
ATM switching platform and ATMaaS managed services in bank self-service
- Repay
Vertically-integrated bill payment processor expanding via KUBRA acquisition
Compare
| Company | Price | Change | |||||
|---|---|---|---|---|---|---|---|
| ACI Worldwide | $49.45 | +0.52% | $5.00B | 22.6 | 18.9 | 2.7 | +7.3% |
| Fiserv | $46.00 | −0.22% | $24.58B | 8.8 | 6.3 | 1.2 | −10.0% |
| FIS | $34.81 | −0.44% | $18.08B | 5.4 | 5.4 | 1.5 | +29.1% |
| Paymentus | $30.26 | −6.32% | $4.06B | 48.9 | 30.6 | 3.0 | +28.8% |
| Global Payments | $84.76 | −0.03% | $21.05B | — | 5.8 | 2.1 | +61.5% |
| NCR Atleos | $45.93 | −0.63% | $3.41B | 18.1 | 9.6 | 0.8 | −0.1% |
| Repay | $3.85 | −1.03% | $342.7M | — | 4.0 | 1.0 | +33.2% |
| Median | 13.5 | 6.0 | 1.3 | +28.9% |