ACIW
ACI Worldwide IncNASDAQ
Technology • Software - Infrastructure
Factor tilt: Mid-Cap Defensive
$60.02+0.84%
Close Nov 6, 2026
- Market cap
- $6.1B
- 1 month
- +17.5%
- 3 months
- +13.6%
- 1 year
- +24.4%
- 52-week range
- $38.47$60.18
- Dividend
- No dividends on record
- Next-quarter EPS estimate
- $0.61Quarter to Sep 30, 2026 · 4 analysts · revenue $421.91M · -0.8% in 30d
- Short interest
- 6.3M sharessettled Oct 15, 2026 · -1.5% since Sep 30, 2026 · FINRA
Fundamentals · trailing 12 months to Jun 30, 2026
- Revenue
- $1.82B
- Net income
- $225.69M
- Free cash flow
- $354.65M
- Book value
- $1.5B
- Total debt
- $849.46M
- P/E
- 27×
- Price / sales
- 3.4×
- Price / book
- 4.1×
- FCF yield
- +5.8%
- Net margin
- +12.4%
EODHD (TTM) · as of Nov 6, 2026
End-of-day close from stored market data, not a live quote.
About ACI Worldwide Inc
ACI Worldwide, Inc. develops, markets, installs, and supports software products and services for facilitating electronic payments in the United States and worldwide. It operates through Payment Software, and Billers segments.
Read more
The company offers ACI Acquiring, a solution to process credit, debit, and prepaid card transactions, deliver digital innovation, fraud prevention, and reduce fees; ACI Issuing, a digital payment issuing solution; and ACI Connetic, a solution that offers payment services for processing, routing, and managing various payment types. It provides ACI real-time payments, a solution that provides connectivity to payment rails; ACI RTGS and cross-border, a payments engine that offers multi-currency, payment and STP processing, and back-office integration interfaces; and ACI digital central infrastructure, a solution that offers real-time payments service. Further, it offers ACI Payments Orchestration Platform, a payments platform that orchestrates and optimizes payments; ACI Fraud Management for merchants, billers, and financial institutions; ACI Fraud Scoring Services with artificial and human insights with data intelligence; and Speedpay, an integrated suite of digital billing, payment, disbursement, and communication services. Additionally, it offers electronic bill presentment and payment services to consumer finance, insurance, healthcare, higher education, utility, government, subscription provider, telecommunications, and mortgage sectors; product installations and configurations, and custom software modifications; and business and technical consultancy, on-site support, product education, and testing services, as well distributes software developed by third parties. It has strategic partnerships with dLocal. The company was formerly known as Transaction Systems Architects, Inc. and changed its name to ACI Worldwide, Inc. in July 2007. The company was founded in 1975 and is headquartered in Elkhorn, Nebraska.
- Website
- aciworldwide.com
- Headquarters
- Elkhorn, NE, United States
- Employees
- 2,930
- Listed
- Feb 23, 1995
- Fiscal year ends
- December
Company profile from EODHD, stored Oct 25, 2026.
Quarterly results
The last 8 fiscal quarters as reported (EODHD). Year over year compares the same quarter a year earlier.
| Quarter | Revenue | YoY | Gross margin | Op. income | Net income |
|---|---|---|---|---|---|
| Jun 2026filed Aug 6, 2026 | $430.4M | +7.3% | 42.2% | $44.6M | $31.8M |
| Mar 2026filed May 7, 2026 | $425.7M | +7.9% | 46.3% | $57.5M | $38.3M |
| Dec 2025filed Feb 26, 2026 | $481.6M | +6.3% | 53.0% | $108.8M | $64.3M |
| Sep 2025filed Nov 6, 2025 | $482.4M | +6.8% | 53.7% | $127.7M | $91.3M |
| Jun 2025filed Aug 7, 2025 | $401.3M | +7.4% | 41.5% | $34.9M | $12.2M |
| Mar 2025filed May 8, 2025 | $394.6M | +24.9% | 45.9% | $58.5M | $58.9M |
| Dec 2024filed Feb 27, 2025 | $453.0M | -4.9% | 55.8% | $122.3M | $98.6M |
| Sep 2024filed Nov 7, 2024 | $451.8M | +24.4% | 56.3% | $122.6M | $81.4M |
Fiscal years · last 6
| Fiscal year | Revenue | YoY | Gross margin | Op. income | Net income |
|---|---|---|---|---|---|
| Dec 2025filed Feb 26, 2026 | $1.8B | +10.4% | 49.0% | $329.9M | $226.7M |
| Dec 2024filed Feb 27, 2025 | $1.6B | +9.8% | 50.3% | $308.1M | $203.1M |
| Dec 2023filed Feb 29, 2024 | $1.5B | +2.2% | 50.5% | $220.4M | $121.5M |
| Dec 2022filed Mar 1, 2023 | $1.4B | +3.7% | 51.0% | $203.8M | $142.2M |
| Dec 2021filed Feb 24, 2022 | $1.4B | +5.9% | 53.4% | $209.9M | $127.8M |
| Dec 2020filed Feb 25, 2021 | $1.3B | +2.9% | 51.9% | $144.7M | $72.7M |
Short-interest history
FINRA reports open short positions for a settlement date. The publication date is later. These are reported positions, with a separate date for each observation.
Compare the reported short exposure around the dates you bought, sold or watched ACIW. A long position benefits from price rises; a short position benefits from falls. A change in these counts does not predict either move.
Settlement Oct 15, 2026
6,300,322 shares short
-95,468 shares (-1.5%) vs Sep 30, 2026
Share of float unavailable. Published Oct 26, 2026.
Settlement Sep 30, 2026
6,395,790 shares short
-31,259 shares (-0.5%) vs Sep 15, 2026
Share of float unavailable. Published Oct 9, 2026.
Settlement Sep 15, 2026
6,427,049 shares short
+121,872 shares (+1.9%) vs Aug 31, 2026
Share of float unavailable. Published Sep 24, 2026.
Settlement Aug 31, 2026
6,305,177 shares short
+276,259 shares (+4.6%) vs Aug 14, 2026
Share of float unavailable. Published Sep 10, 2026.
Settlement Aug 14, 2026
6,028,918 shares short
+292,055 shares (+5.1%) vs Jul 31, 2026
Share of float unavailable. Published Aug 25, 2026.
Settlement Jul 31, 2026
5,736,863 shares short
+997,736 shares (+21.1%) vs Jul 15, 2026
Share of float unavailable. Published Aug 11, 2026.
Change = this settlement’s shares short − the previous recorded settlement’s shares short; percentage change divides by that earlier count. A zero earlier count has no percentage change. Split-spanning counts are left uncompared. Float percentages use the stored settlement observation, not today’s float.
Source: stored FINRA equity short-interest records, up to six settlements from the last 240 days. FINRA data and reporting dates · How to read short interest
Dividends and stock splits
See the recorded cash amounts and dates behind ACIW’s income, and the splits that change its share count. Dates below are stored event records, not confirmation of a payment to your account.
Cash-dividend records
No qualified cash-dividend records are stored. This does not establish that the company pays no dividend.
Up to six Polygon cash-dividend events, including recorded ex-dates within the next 120 days. Amounts retain their recorded currency and decimal precision. Historical amounts are not restated to a common split basis, annualized, or converted to dollars.
For a long holding, compare the ex-date with when you held the shares and check the pay date against your broker’s cash history. Owning the stock today does not establish past entitlement. For a short holding, a dividend can create a payment obligation to the share lender.
Ex-dates and special dividend rules · Short-sale dividend obligations · Dividend data definitions
Split history
2 for 1 · forward split
Effective Jul 2, 1996
Each 1 pre-split share becomes 2 post-split shares.
Source: EODHD
1 conflicting split date is omitted; the ratio could not be resolved.
Up to six stored split dates through Nov 7, 2026. Equivalent vendor ratios are combined; conflicting ratios are left out. This history may be incomplete.
A split changes the share count and per-share price basis; it does not by itself add investment value. Put your holding’s earlier and later share counts on the same basis before comparing them. This applies to both long shares and shares owed on a short position.
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Smart money context
Holder IQ: MEDIUM
36 smart-money holders: institutions with a high Holder IQ
Q2 2026, filed Oct 30, 2026
Smart-money 13F trend: unchanged (light)
Unlock crowding heatmapUnlock filer discoveryInsider context
Sentiment: unknown
No recent insider trades detected.
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What it means for you
Sign in to read your holdings or watchlist context. No personal position or direction is inferred.
What happened
No directional recent-activity label is available. This context label is separate from the scored insider signal read.
Why it can matter
A count of reported activity describes a sample, not purchase conviction, an insider’s intent or a future price move. Neutral is not an all-clear, and absent direction is not neutral evidence.
How we got this
The current context rule reads at most 50 nonduplicate issuer/share-class records filed in the last 90 days. It counts a bullish direction or purchase code P toward bullish, and a bearish direction or sale code S toward bearish. A side must exceed the opposite count by more than two to set its label; otherwise nonzero directional counts produce neutral. Calculation unavailable for this saved label: its counts, exact records, as-of time and rule version are not supplied here. Do not substitute the separate scored read’s different window or denominator.
Where the data comes from
Stored SEC Forms 3/4/5 insider-signal records, ordered by filing date with amendment duplicates excluded. Filing date is not transaction date. The last-trade line locates recent reported activity; it does not date or reconstruct the complete count.
Red flags: 0
Read the insider context evidence
What it means for you
Sign in to read your holdings or watchlist context. No personal position or direction is inferred.
What happened
No directional recent-activity label is available. This context label is separate from the scored insider signal read.
Why it can matter
A count of reported activity describes a sample, not purchase conviction, an insider’s intent or a future price move. Neutral is not an all-clear, and absent direction is not neutral evidence.
How we got this
The current context rule reads at most 50 nonduplicate issuer/share-class records filed in the last 90 days. It counts a bullish direction or purchase code P toward bullish, and a bearish direction or sale code S toward bearish. A side must exceed the opposite count by more than two to set its label; otherwise nonzero directional counts produce neutral. Calculation unavailable for this saved label: its counts, exact records, as-of time and rule version are not supplied here. Do not substitute the separate scored read’s different window or denominator.
Where the data comes from
Stored SEC Forms 3/4/5 insider-signal records, ordered by filing date with amendment duplicates excluded. Filing date is not transaction date. The last-trade line locates recent reported activity; it does not date or reconstruct the complete count.
Largest 13-F holders · Q2 2026
381 filers reported a long position in ACIW for Q2 2026. 13-F holdings are filed up to 45 days after the quarter ends.
The top 10 hold
56.1%
of the 104.3M shares 13-F filers reported
Moves vs Q1 2026
9 added1 trimmed
Net shares held
+10.6%
across the 10 holders with a comparable Q1 2026 book
| Rank | Holder | Value | Shares | Shares vs Q1 2026 |
|---|---|---|---|---|
| 1 | BlackRock, Inc. | $823.8M · 16.4M shares | 16.4M | -3.7% |
| 2 | VANGUARD PORTFOLIO MANAGEMENT LLC | $408M · 8.1M shares | 8.1M | +0.7% |
| 3 | FRANKLIN RESOURCES INC | $336.7M · 6.7M shares | 6.7M | +1.2% |
| 4 | FMR LLC | $329.2M · 6.5M shares | 6.5M | +202.2% |
| 5 | VANGUARD CAPITAL MANAGEMENT LLC | $230.7M · 4.6M shares | 4.6M | +1% |
| 6 | STATE STREET CORP | $215.9M · 4.3M shares | 4.3M | +3.5% |
| 7 | GEODE CAPITAL MANAGEMENT, LLC | $171M · 3.4M shares | 3.4M | +7.1% |
| 8 | DIMENSIONAL FUND ADVISORS LP | $158.7M · 3.2M shares | 3.2M | +12.2% |
| 9 | FULLER & THALER ASSET MANAGEMENT, INC. | $137.4M · 2.7M shares | 2.7M | +27.1% |
| 10 | North Reef Capital Management LP | $131.6M · 2.6M shares | 2.6M | +17.4% |
Sign in to see each holder’s Holder IQ, factor-adjusted Holder IQ and rank, and compare these holders with all scored filers. Available on every plan.
Sign in5% holder filings (13D / 13G)
Holders of more than 5% of ACIW file with the SEC within days. A 13D holder may seek to influence the company; a 13G holder is passive. Each holder’s latest filing from the last three years.
| Filed | Holder | % of class |
|---|---|---|
| Nov 6, 2026 | FMR LLC13G · passive · amended | 10.1% |
| Apr 29, 2026 | VANGUARD CAPITAL MANAGEMENT LLC13G · passive | 5.23% |
| Apr 29, 2026 | FRANKLIN RESOURCES INC13G · passive | 6.5% |
| Apr 28, 2026 | VANGUARD PORTFOLIO MANAGEMENT LLC13G · passive | 8.02% |
| Mar 26, 2026 | VANGUARD GROUP INC13G · passive · amended | 0%under 5% |
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