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ACI Worldwide Financial Ratios 2025-2007 | ACIW
Brief overview of ACI Worldwide's valuation multiples
Ratios are assessed across five available annual reports in the 2021–2025 interval.
Market valuation is represented by P/E 18.2x (median 28.41x), EV/EBITDA 12.92x (median 16.06x), P/S 2.34x (median 2.44x). On average, this basket is 19.5% below its own five-year medians. The market values the business at a discount to recent history.
The inverse P/E implies an earnings yield of 5.5%. This is not a dividend yield, but current earnings relative to market price.
End-period return metrics are ROE 14.9%, ROA 7.3%, ROCE 21.7%. Business quality is high on return ratios, supporting the ability to create value.
On PEG (1.61x), valuation is stretched relative to growth and requires strong execution.
The time from paying for inputs to receiving cash rose from 130.2 days to 144.7 days. Cash turnover slowed.
Overall picture
ACI Worldwide's multiples are below five-year reference levels despite strong quality metrics, providing valuation cushion but not eliminating hidden risks.
Annual Financial Ratios ACI Worldwide
| 2025 | 2024 | 2023 | 2022 | 2021 | 2020 | 2019 | 2018 | 2017 | 2016 | 2015 | 2014 | 2013 | 2012 | 2011 | 2010 | 2009 | 2008 | 2007 | |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
P/E |
18.2 | 28.4 | 29.2 | 20.3 | 31.6 | 61.5 | 61.1 | 48.4 | 530.2 | 17.4 | 24.6 | 31.4 | 37.8 | 37.2 | 22.4 | 7.6 | 9.0 | 17.8 | - |
P/S |
2.3 | 3.6 | 2.4 | 2.0 | 2.9 | 3.5 | 3.3 | 3.3 | 2.7 | 2.2 | 2.0 | 2.1 | 2.8 | 2.7 | 2.2 | - | - | - | - |
EPS |
2.2 | 1.9 | 1.1 | 1.2 | 1.1 | 0.6 | 0.6 | 0.6 | 0.0 | 1.1 | 0.7 | 0.6 | 0.5 | 0.4 | 1.4 | 0.8 | 0.6 | 0.3 | - |
EV (Enterprise Value) |
5.52 B | 7.16 B | 5.5 B | 4.78 B | 5.83 B | 6.48 B | 6.1 B | 4.26 B | 3.75 B | 3.33 B | 3.34 B | 3.31 B | 3.46 B | 2.46 B | 1.18 B | 382 M | 405 M | 74.9 M | -97 M |
EBITDA per Share |
4.11 | 3.97 | 3.16 | 2.91 | 2.92 | 2.45 | 2.03 | 1.81 | 1.47 | 1.35 | 1.8 | 1.83 | 1.52 | 0.959 | 0.88 | 2.38 | 1.9 | 1.11 | - |
EV/EBITDA |
12.9 | 17.1 | 16.1 | 14.4 | 16.8 | 19.7 | 22.7 | 18.3 | 19.2 | 18.4 | 13.9 | 14.0 | 17.1 | 19.0 | 10.3 | 4.8 | 6.2 | 2.0 | - |
PEG |
1.61 | 1.92 | 2.43 | 1.36 | 1.89 | 7.7 | -26.19 | 0.04 | -5.52 | 0.34 | 1.04 | 3.65 | 1.29 | -4.64 | 0.32 | - | - | - | - |
P/B |
2.7 | 4.1 | 2.7 | 2.4 | 3.2 | 3.7 | 3.6 | 3.2 | 3.6 | 3.0 | 3.2 | 3.6 | 4.4 | 3.4 | 3.2 | 0.8 | 0.7 | - | - |
P/CF |
12.8 | 16.1 | 21.1 | 20.2 | 18.3 | 14.2 | 45.7 | 23.8 | 29.7 | 61.5 | 15.7 | 18.6 | 22.8 | -70.2 | 15.9 | 2.6 | 4.0 | 2.4 | - |
ROE % |
14.92 | 14.26 | 9.18 | 11.92 | 10.27 | 6.02 | 5.93 | 6.57 | 0.67 | 17.16 | 13.06 | 11.62 | 11.75 | 9.14 | 14.45 | 10.64 | 8.31 | 4.95 | - |
ROA % |
7.30 | 6.71 | 3.53 | 4.43 | 4.05 | 2.15 | 2.06 | 3.25 | 0.28 | 6.81 | 4.29 | 3.65 | 3.80 | 3.90 | 6.90 | 4.52 | 3.33 | - | - |
ROCE % |
21.72 | 21.63 | 16.64 | 17.08 | 16.86 | 12.00 | 4.68 | 6.90 | 5.50 | 4.57 | 8.00 | 9.39 | 9.21 | 7.56 | 15.14 | 20.99 | 17.61 | 10.15 | - |
Current Ratio |
2.0 | 1.9 | 1.6 | 1.6 | 1.7 | 1.6 | 1.5 | 1.9 | 1.3 | 1.1 | 1.0 | 1.1 | 1.3 | 1.3 | 1.5 | 1.7 | 1.7 | - | - |
DSO |
167.2 | 176.4 | 184.4 | 166.6 | 153.8 | 159.5 | 104.2 | 131.4 | 107.2 | 104.2 | 83.4 | 87.3 | 95.4 | 122.0 | 78.5 | - | - | - | - |
DPO |
22.4 | 21.1 | 23.8 | 23.4 | 23.6 | 22.9 | 21.9 | 33.6 | 28.0 | 35.2 | 42.8 | 40.4 | 46.3 | 54.9 | 31.3 | - | - | - | - |
Operating Cycle |
167.2 | 176.4 | 184.4 | 166.6 | 153.8 | 159.5 | 104.2 | 131.4 | 107.2 | 104.2 | 83.4 | 87.3 | 95.4 | 122.0 | 78.5 | - | - | - | - |
Cash Conversion Cycle |
144.7 | 155.3 | 160.6 | 143.2 | 130.2 | 136.5 | 82.3 | 97.8 | 79.2 | 69.0 | 40.6 | 46.8 | 49.0 | 67.2 | 47.2 | - | - | - | - |
All numbers in USD currency
Quarterly Financial Ratios ACI Worldwide
| 2026-Q2 | 2026-Q1 | 2025-Q3 | 2025-Q2 | 2025-Q1 | 2024-Q4 | 2024-Q3 | 2024-Q2 | 2024-Q1 | 2023-Q4 | 2023-Q3 | 2023-Q2 | 2023-Q1 | 2022-Q4 | 2022-Q3 | 2022-Q2 | 2022-Q1 | 2021-Q4 | 2021-Q3 | 2021-Q2 | 2021-Q1 | 2020-Q4 | 2020-Q3 | 2020-Q2 | 2020-Q1 | 2019-Q4 | 2019-Q3 | 2019-Q2 | 2019-Q1 | 2018-Q4 | 2018-Q3 | 2018-Q2 | 2018-Q1 | 2017-Q4 | 2017-Q3 | 2017-Q2 | 2017-Q1 | 2016-Q4 | 2016-Q3 | 2016-Q2 | 2016-Q1 | 2015-Q4 | 2015-Q3 | 2015-Q2 | 2015-Q1 | 2014-Q4 | 2014-Q3 | 2014-Q2 | 2014-Q1 | 2013-Q4 | 2013-Q3 | 2013-Q2 | 2013-Q1 | 2012-Q4 | 2012-Q3 | 2012-Q2 | 2012-Q1 | 2011-Q4 | 2011-Q3 | 2011-Q2 | 2011-Q1 | 2010-Q3 | 2010-Q2 | |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
EPS |
0.31 | 0.38 | 0.88 | 0.12 | 0.56 | - | 0.78 | 0.29 | -0.07 | - | 0.35 | -0.06 | -0.3 | - | 0.2 | 0.12 | 0.13 | - | 0.12 | 0.06 | -0.02 | 0.57 | 0.14 | 0.12 | -0.21 | 0.48 | 0.27 | 0.05 | -0.22 | 0.76 | 0.13 | -0.13 | -0.17 | 0.28 | 0.03 | -0.25 | -0.01 | 0.57 | -0.08 | -0.14 | 0.75 | 0.37 | 0.13 | 0.23 | - | 0.4 | 0.14 | 0.1 | -0.05 | 0.43 | 0.12 | 0.02 | -0.02 | 1.26 | 0.14 | -0.12 | -0.05 | 0.71 | 0.31 | 0.29 | 0.05 | 0.07 | - |
EBITDA per Share |
0.68 | 0.81 | 1.47 | 0.56 | 0.78 | - | 1.47 | 0.77 | 0.35 | - | 0.85 | 0.39 | 0.07 | - | 0.31 | 0.49 | 0.51 | - | 0.52 | 0.41 | 0.32 | 1.1 | 0.57 | 0.56 | 0.19 | 1.16 | 0.77 | 0.2 | -0.03 | 1.19 | 0.45 | 0.19 | 0.07 | 1.11 | 0.31 | -0.11 | 0.25 | 1.22 | 0.13 | -0.02 | 1.38 | 0.81 | 0.37 | 0.37 | 0.23 | 0.85 | 0.44 | 0.38 | 0.15 | 0.88 | 0.38 | 0.21 | 0.18 | 2.17 | 0.46 | 0.05 | 0.16 | 1.26 | 0.51 | 0.48 | 0.38 | 0.38 | 0.28 |
ROE % |
11.72 | 13.57 | 17.14 | 13.47 | 11.98 | 8.00 | 11.14 | 4.44 | -0.83 | -0.21 | 1.72 | -0.31 | 1.53 | 4.30 | 5.45 | 4.07 | 2.81 | 1.54 | 7.11 | 7.27 | 7.88 | 6.02 | 5.37 | 6.87 | 6.21 | 5.93 | 9.39 | 8.03 | 6.13 | 6.57 | 2.55 | 1.54 | -0.97 | 0.67 | 5.17 | 3.42 | 5.14 | 17.16 | 15.01 | 18.57 | 24.89 | 13.06 | 14.34 | 14.79 | 12.59 | 11.62 | 12.91 | 12.74 | 11.15 | 11.75 | 11.77 | 10.30 | 9.08 | 9.14 | 7.38 | 9.64 | 13.60 | 14.45 | 7.95 | 4.56 | 0.51 | 1.03 | -0.07 |
ROA % |
5.54 | 6.35 | 7.75 | 5.78 | 5.15 | 3.32 | 4.48 | 1.63 | -0.36 | -0.13 | 0.58 | -0.10 | 0.55 | 1.62 | 1.83 | 1.12 | 1.06 | 0.58 | 2.56 | 2.59 | 2.80 | 2.15 | 1.87 | 2.37 | 2.13 | 2.06 | 4.49 | 4.23 | 3.37 | 3.25 | 0.90 | 0.36 | -0.55 | 0.28 | 2.00 | 1.30 | 2.04 | 6.81 | 5.52 | 6.78 | 9.02 | 4.32 | 4.61 | 4.72 | 3.95 | 3.65 | 4.14 | 4.11 | 3.61 | 3.80 | 4.77 | 4.41 | 3.92 | 3.90 | 3.53 | 4.66 | 6.51 | 6.90 | 3.71 | 2.09 | 0.24 | 0.40 | -0.03 |
ROCE % |
17.95 | 18.91 | 24.30 | 20.01 | 18.27 | 14.32 | 19.44 | 11.11 | 4.69 | 3.92 | 4.22 | 1.13 | 2.49 | 4.57 | 6.91 | 7.93 | 6.22 | 3.96 | 11.89 | 12.13 | 13.24 | 12.00 | 13.13 | 15.44 | 12.50 | 10.95 | 12.99 | 10.80 | 11.12 | 12.01 | 15.04 | 13.82 | 9.00 | 11.07 | 12.88 | 10.15 | 11.66 | 29.29 | 24.65 | 29.54 | 36.68 | 19.55 | 21.88 | 23.71 | 24.70 | 23.77 | 25.94 | 25.90 | 23.42 | 22.63 | 20.95 | 17.07 | 13.48 | 13.92 | 11.46 | 13.45 | 18.21 | 20.87 | 12.46 | 10.92 | 2.36 | 3.26 | 2.01 |
Current Ratio |
1.9 | 1.9 | 1.9 | 1.8 | 1.9 | 1.9 | 1.8 | 1.6 | 1.6 | 1.6 | 1.6 | 1.6 | 1.6 | 1.6 | 1.6 | - | 1.6 | 1.6 | 1.6 | 1.6 | 1.6 | 1.6 | 1.6 | 1.6 | 1.6 | 1.5 | 1.5 | 1.5 | 1.5 | 2.0 | 2.0 | 2.0 | 2.0 | 1.7 | 1.7 | 1.7 | 1.7 | 1.7 | 1.7 | 1.7 | 1.7 | 1.5 | 1.5 | 1.5 | 1.5 | 1.5 | 1.5 | 1.5 | 1.5 | 1.5 | 1.5 | 1.5 | 1.5 | 1.8 | 1.8 | 1.8 | 1.8 | 1.9 | 1.9 | 1.9 | 1.9 | 1.6 | 1.6 |
DSO |
174.2 | 176.8 | 148.2 | 168.7 | 175.1 | - | 143.7 | 158.2 | 202.4 | - | 159.5 | 173.9 | 207.1 | - | 81.9 | 78.7 | 167.2 | - | 140.5 | 145.2 | 166.2 | 131.7 | 161.4 | 170.0 | 177.0 | 130.6 | 147.1 | 175.4 | 245.9 | 153.2 | 199.7 | 208.6 | 174.4 | 73.5 | 106.2 | 99.7 | 100.3 | 65.6 | 103.6 | 102.2 | 87.4 | 55.3 | 71.5 | 64.2 | 75.0 | 61.5 | 71.5 | 70.0 | 75.0 | 54.4 | 71.9 | 74.8 | 97.2 | 71.8 | 103.8 | 107.4 | 89.4 | 63.1 | 76.0 | 75.1 | 71.9 | - | - |
DPO |
23.5 | 23.4 | 23.2 | 21.5 | 20.9 | - | 22.4 | 20.9 | 21.6 | - | 22.9 | 24.0 | 24.3 | - | 10.2 | 9.9 | 22.0 | - | 21.1 | 21.6 | 22.5 | 25.0 | 23.7 | 25.5 | 21.5 | 19.5 | 19.4 | 21.8 | 30.4 | 34.6 | 35.3 | 31.1 | 31.6 | 27.3 | 29.5 | 26.3 | 32.6 | 35.3 | 39.0 | 33.9 | 37.9 | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - |
Operating Cycle |
- | - | 148.2 | 168.7 | 175.1 | - | 143.7 | 158.2 | 202.4 | - | 159.5 | 173.9 | 207.1 | - | 81.9 | 78.7 | 167.2 | - | 140.5 | 145.2 | 166.2 | 131.7 | 161.4 | 170.0 | 177.0 | 130.6 | 147.1 | 175.4 | 245.9 | 153.2 | 199.7 | 208.6 | 174.4 | 73.5 | 106.2 | 99.7 | 100.3 | 65.6 | 103.6 | 102.2 | 87.4 | 55.3 | 71.5 | 64.2 | 75.0 | 61.5 | 71.5 | 70.0 | 75.0 | 54.4 | 71.9 | 74.8 | 97.2 | 71.8 | 103.8 | 107.4 | 89.4 | 63.1 | 76.0 | 75.1 | - | - | - |
Cash Conversion Cycle |
- | - | 125.1 | 147.2 | 154.2 | - | 121.4 | 137.3 | 180.8 | - | 136.6 | 149.9 | 182.8 | - | 71.8 | 68.8 | 145.2 | - | 119.4 | 123.5 | 143.7 | 106.8 | 137.7 | 144.4 | 155.5 | 111.1 | 127.7 | 153.7 | 215.5 | 118.6 | 164.4 | 177.5 | 142.8 | 46.2 | 76.8 | 73.4 | 67.7 | 30.3 | 64.5 | 68.3 | 49.6 | 55.3 | 71.5 | 64.2 | 75.0 | 61.5 | 71.5 | 70.0 | 75.0 | 54.4 | 71.9 | 74.8 | 97.2 | 71.8 | 103.8 | 107.4 | 89.4 | 63.1 | 76.0 | 75.1 | - | - | - |
All numbers in USD currency
Multiples are an important financial analysis tool for the company ACI Worldwide, allowing investors and analysts to quickly assess the company’s value and investment attractiveness based on the ratio of market indicators to the company’s financial performance. Essentially, multiples express how the market values the company relative to its earnings, revenue, equity, or other key metrics.
Advantages of Using Financial Ratios- Simplified Data Analysis
Financial ratios transform large volumes of accounting data into compact and easily interpretable indicators, significantly simplifying the assessment of the company’s condition. - Comparability Between Companies
Multiples standardize financial metrics, enabling objective comparison of companies of different sizes, industries, and market capitalizations. - Identification of Trends and Issues
Regular analysis of ratios helps track the dynamics of financial health, identify strengths and weaknesses of the business, as well as potential risks. - Decision Support
Financial multiples serve as an important tool for investors, creditors, and company management in making investment, credit, and managerial decisions. - Accelerated Assessment of Investment Attractiveness
Ratios allow quick determination of key performance, liquidity, and financial stability indicators, facilitating prompt evaluation of companies’ attractiveness for investments.
Using multiples enables comparison between companies, even if they differ in size or industry, as they standardize financial data into ratios convenient for analysis. This is especially useful for evaluating companies where direct analysis of financial statements may be complex or require in-depth knowledge.
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