Lumida
/ACIW
⌘K
ACI Worldwide Inc

ACI Worldwide Inc

ACIW
$58.07USD↓-1.02%-0.60 today

MARKET CAP

5.9B

P/E (TTM)

29.2x

FWD P/E

22.2x

DAY RANGE

$58 – $60

52W RANGE

$38
$60

AI Summary

Stalk
StalkMedium

ACIW remains in a Stage 2 advancing regime with a clear secular uptrend. However, a Bullish Exhaustion pattern and extreme overbought conditions signal a likely pullback. Medium-term bias remains bullish, but short-term timing advises waiting for a pullback into the rising EMA support zone. Action: Stalk for a pullback into the 9/21 EMA region.

  • ↑Q1 total revenue grew 8% YoY to $426M, recurring up 10% to $313M
  • ↑Adjusted EBITDA rose 12% YoY to $105M, reflecting margin improvement
  • ↓Profitability metrics slipping as margins compress amid integration costs
Full analysis →

The case for & against

Bull & Bear analysis

Bullish

ACI Worldwide Inc. (NASDAQ: ACIW) is a leading provider in the electronic payment solutions sector, specializing in financial transaction software that supports banks, retailers, and billers globally. The company is strategically positioned within a rapidly evolving payment ecosystem, particularly focusing on modern payment methods like real-time payments and integrating advanced capabilities through its innovative cloud-native Kinetic platform. ACI is capitalizing on the increasing demand for digital transformation in financial services and operational efficiencies.

Bull says

  • ↑Q1 total revenue grew 8% YoY to $426M, recurring up 10% to $313M
  • ↑Adjusted EBITDA rose 12% YoY to $105M, reflecting margin improvement
  • ↑Cloud-native Kinetic pipeline is fastest-growing segment, fueling future bookings
  • ↑New ARR bookings jumped 39% to $12M, highlighting strong software demand
  • ↑Returned $65M via 1.5M share buybacks, reinvesting 50-60% of cash flow
  • ↑High earnings yield and moderate growth potential support attractive valuation

Bear says

  • ↓Profitability metrics slipping as margins compress amid integration costs
  • ↓Negative earnings revisions indicate worsening outlook and value-trap risks
  • ↓Stock volatility remains high, deterring risk-averse investors
  • ↓Kinetic adoption by large banks faces execution delays and deployment hurdles
  • ↓Geopolitical uncertainty and macro headwinds may slow client decision-making
  • ↓Intense competition in payments space could erode market share and pricing power

Investment themes with ACIW

Software↓ -1.57%

Cloud-based digital tools powering business productivity and innovation

MSFT · ORCL · PLTR
FinTech Lending↓ -0.02%

Financial technology companies providing loans

SOFI · COIN · FIS
Payments↑ +0.79%

Digital and traditional payment processing solutions

XYZ · MA · V

Earnings Call · Q1 2026 · Mgmt. Guidance

Updated 05-09-2026bullish

Transcript signals

Bull points

  • Total revenue in the quarter was $426 million, up 8% year over year on a reported basis, and up 6% in constant currency.
  • Recurring revenue was $313 million, up 10% as reported and up 8% in constant currency, reflecting strong momentum and increasing demand from our software-led offerings across both payment software and biller.
  • We delivered first quarter adjusted EBITDA of 105 million, an increase of 12% year over year, or 8% in constant currency, driven by solid organic growth and improved operating performance.

Bear points

  • cash flow from operating activities was 64 million in the first quarter, compared to 78 million last year.
  • we expect this timing to normalize in the second quarter.
Read full transcript analysis ›