Does ACIW pay a dividend and is it safe?

ACI Worldwide Inc. (ACIW) offers a 0% cash dividend yield ($0.00 annualized) and 1.8% total shareholder yield including buybacks. Roarable rates its payout coverage as REINVESTING IN GROWTH + BUYBACKS.

Stock Ratings / Technology / ACIW / dividends

KVYO (61) VRNS (63) TENB (58) OCTV (61) ⌘ Pro Terminal →

ACI Worldwide Inc. (ACIW) Dividend Safety Gauge & 10-Year DRIP Compounder

$56.34 +1.15% NASDAQ • Live Quote vs Prior Daily Close (Synced Snapshot) EXT / AFTER-HRS: $56.59

ACI Worldwide Inc. (ACIW) earns a Roarable Rating of B (Buy) with 74/100 RQD Confidence. High-quality cash engine (49.0% gross margin, 12% return on capital) with steady institutional support. The company’s underlying cash engine and institutional positioning keep the composite score in the Green Buy zone.

ROARABLE B • BUY Cap $5.69B

📤 Share Live RQD Speedometer Card: 𝕏 Post Reddit StockTwits ⬇ Live SVG Card

⚡ INSTANT AI QUANT PREVIEW • $0 FREE TIER Click Any Pre-Computed AI Quant Specialist Briefing on ACIW Below — or Connect Your Own ChatGPT / Claude

🤖 Mara Quenwick • AI Quant Lead (Click for Instant Brief) Is ACIW stock a Buy, Hold, or Sell right now according to Roarable's RQD model?

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As of 2026-11-03, ACI Worldwide Inc. (NASDAQ: ACIW) is rated B (Buy / BUY) by Roarable's 5-pillar RQD engine with a composite confidence score of 74/100 at a spot price of $56.34 (+1.15% 1D, market cap $5.69B). Pillar breakdown: Fundamental Cash Engine 12/20, Institutional 13F & Options Flow 16/20, SEC Balance-Sheet Forensics 16/20, FRED Macro Regime Fit 14/20, and Executive Insider Alignment 16/20. Across 715 tracked Technology issuers, ACIW ranks #48 in composite RQD confidence.

✓ Pre-computed one-to-many AI Quant brief

🤖 Ellis Vennor • AI Peer & Flow Quant (Click for Instant Brief) How does ACIW compare to KVYO and VRNS in the Technology sector?

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Within the Technology sector (Computer Software: Prepackaged Software), ACIW carries a Roarable B (74/100 RQD), trailing P/E of 24.8x, gross margin of 49.0%, and ROIC of 12.4%. By comparison, KVYO (Klaviyo Inc. (Series A)) holds a C- grade (61/100 RQD, P/E N/A, ROIC -11.5%, cap $5.73B) and VRNS (Varonis Systems Inc.) posts a C grade (63/100 RQD, P/E N/A, ROIC -15.3%, cap $5.61B). Among the 5-stock peer group, ACIW leads on earnings multiple (24.8x) while ACIW leads on capital efficiency (12.4% ROIC).

✓ Pre-computed one-to-many AI Quant brief

🤖 Gideon Ashmere • AI SEC 10-K Forensics (Click for Instant Brief) What are the biggest fundamental strengths and SEC risk factors for ACIW?

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Per ACIW's SEC EDGAR XBRL 10-K filing (FY2025, filed 2025-12-31, CIK 0000935036), ACI Worldwide Inc. generated $1.76B in revenue (+10.4% YoY), $226.7M in net income, and $309.9M in free cash flow against $3.10B in total assets and $776.7M in total debt. Key quantitative strengths: Big institutional funds and options desks are actively positioning on the bullish side. Primary risk factors monitored: Broader market pullbacks can still drag down strong stocks in the short run. Institutional options positioning shows a 50% call / 50% put premium split.

✓ Pre-computed one-to-many AI Quant brief

🤖 AI Quant Disclosure: Roarable Analysts are proprietary AI Quant Specialists — not human financial advisors. Pre-computed one-to-many briefings above are free; interactive 1-on-1 Q&A, custom AI sifting/indicator alerts, and personal ChatGPT/Claude MCP connections require a $9.95/mo Pro account (currently waitlist-only).

INTERACTIVE SCENARIO DECK:

🛡️ Portfolio Crash X-Ray

EXT / AFTER-HRS: $56.59 (+0.45%)🧬 Cannibal Buyback (-2.36% YoY Shares)⚙️ Cash Engine: 12/20 (C-) • 17.6% FCF Margin

Verify 90D Bucket Audit →

📊 Historical Track Record: Scores of 74/100 (B) historically ranked in the Top 12% of excess returns over the next 90 days (+7.3% avg 90D alpha vs SPY • 69.4% hit rate).

Audit Bucket Track Record →

RQD QUANT TACHOMETERBUY • B

2-of-3 JEV AI Jury Bullish

Cash

SEC

Whale

Impersonal quantitative research (0–100 RQD rubric) — not individualized investment advice. Past performance does not guarantee future results. Full Disclaimer

5-PILLAR SNOWFLAKE RADARRw B · Rk B

Each axis scored 0–20

12M PRICE TARGET CONE+7.2% Base Target

WHALE OPTIONS SNAPSHOT: — (No Active Options Snapshot on file for ACIW)Realized 20D OHLCV Swing Band: ±4.8%

Deterministic 5-Pillar Attribution (74/100 Composite)

🔍 WHY ACIW SCORES 74/100 (B) — TOP 3 DRIVERS2 Bullish Pillars + #1 Risk Drag

▲ #1 Bullish Driver: Whale & Options Positioning+16/20 pts (22% of score)

20D Institutional Volume Accumulation (±4.8% realized swing band)

▲ #2 Bullish Driver: SEC 10-K Forensic Risk+16/20 pts (22% of score)

Altman Z-Score 4.02 (FORTRESS SAFE (>3.0)) • Piotroski F-Score 9/9

▼ #1 Drag / Risk Factor: Cash Engine Quality12/20 pts (-8 pt drag)

Capital intensity & 18.7% operating margin leave 8 pts on the table

📈 PAST 4 QUARTERS RQD vs SUBSEQUENT RETURNQ1 → Q2 → Q3 → Current

Q1 (-3Q)

Grade B-$51.07+5.5% Next Q

Q2 (-2Q)

Grade B-$53.86+2.5% Next Q

Q3 (-1Q)

Grade B$55.20+2.1% Next Q

Current

Grade B$56.34+7.3% Hist 90D α

Trajectory: B- (66) → B (74)Full Audit →

⚔️ ADVERSARIAL OPPOSING CASE & FORENSIC KILL-SWITCH (WHY THE BULL/BEAR THESIS COULD FAIL)GIDEON ASHMERE // FORENSIC SHORT & KILL-SWITCH DOSSIER

⚔️ Adversarial Opposing Case: Why the ACIW Bull Thesis Could Fail

Gideon Ashmere Forensic Desk →

Even with a 74/100 (B) score, ACIW faces multiple-compression risk if 24.8x trailing P/E re-rate toward historical sector medians or if hyperscaler/enterprise customer concentration slows in upcoming 10-Q filings.

⚠️ Forensic Kill-Switch #1

Broader market pullbacks can still drag down strong stocks in the short run.

⚠️ Forensic Kill-Switch #2

Dilution & Margin Drag: Cannibal Buyback (-2.36% YoY Shares) — any gross margin slip below 46.5% triggers an automatic RQD downgrade.

⚠️ Forensic Kill-Switch #3

Technical & Forensic Kill-Switch: A daily close below the 50D SMA ($52.27) or 200D SMA ($47.41) invalidates the momentum regime and cuts Target Base ($60.40) toward Bear Floor ($46.20).

🎲 LIVE PREDICTION MARKET ODDS TIED TO $ACIW• $4.8M Crowd Pool • Kalshi / Polymarket Composite

Contract: “ACIW Beats Next Quarterly Revenue & EPS Consensus + Hyperscaler AI CapEx Holds Record Pace”

YES 74%NO 26%Trade / Inspect Odds →

CASH DIVIDEND + BUYBACK YIELD

1.8% Total Yield

0% Cash ($0.00/yr) + 1.8% Buybacks

PAYOUT SAFETY SPEEDOMETER

74/100 • REINVESTING IN GROWTH + BUYBACKS

FREE CASH FLOW PAYOUT RATIO

0% (100% Reinvested)

Retains cash flow for R&D and share repurchases

INTERACTIVE DRIP & SHAREHOLDER-YIELD COMPOUNDER (7.5% EST. ANNUAL)

$10,000 Compounded Over 10 Years → $20,610

Est. Year-10 Shareholder Yield: $371/yr

Starting Investment: $10,000

Compounding Horizon: 10 Years

$10.8K

Yr 1

$11.6K

Yr 2

$12.4K

Yr 3

$13.4K

Yr 4

$14.4K

Yr 5

$15.4K

Yr 6

$16.6K

Yr 7

$17.8K

Yr 8

$19.2K

Yr 9

$20.6K

Yr 10

ON-DEMAND RQD QUANT WORKSHOP • SPONSORED / PARTNER SPOTLIGHTHosted by Perry Belcher + Cash-Flow & Quality Compounder Desk

Cash-Fortress Compounders: Auditing Free Cash Flow & Yield Safety in ACIW & A-Rated Leaders

✓12-month Bull/Base/Bear fair-value walkthrough on ACIW and its top sector peer
✓Top Roarable A-Rated cash compounders with verified executive & 13F accumulation
✓Includes nightly RQD rating-change & forensic signal email alerts

RQD INSIDER CLUB WAITLIST$49/YR PLANNED

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Join Founding VIP Waitlist (No Card Required) →$100K Arena

ACIW // CANDLESTICK & AUTO-TRENDLINE WORKSTATION6M: +27.24%⚡ TESTING RESISTANCE

2026-11-03O $55.70H $56.34L $55.70C $56.34VOL 596.9K

RES: $57.07SUP: $45.67SMA50: $52.27SMA200: $47.41

PRIMARY-SOURCE FORENSICS, SECOND-ORDER LINKS & AI ANALYST DESK

ACIW Dilution Monitor, Expectations Hurdle, Butterfly Connections & Policy Exposure

🦋 ACIW Butterfly Map → + Track ACIW →

Share Count & Dilution Monitor

Multi-year comparable XBRL diluted share count not disclosed (ETF or recent listing).

Reverse-DCF Expectations Hurdle

18.5%/yr Implied 5Y Growth

vs. +10.4% actual YoY revenue growth (assuming 9.25% cost of equity & 16.5x terminal multiple).

Ellis Vennor Setup Ledger

No active Ellis Vennor swing setup published on ACIW today. View full Setup Ledger →

🦋 Documented & Second-Order Butterfly Connections Open Graph →

No direct multi-tier Butterfly edges indexed yet for ACIW. Explore sector supply chains on /butterfly.

AI Analyst Theses, Washington Policy & Company Video

🎬 No recent verified company-specific video clip queued for ACIW today (we never pad ticker pages with unrelated generic clips). Browse Macro Video Desk →

DETERMINISTIC MULTI-FACTOR EQUITY AUDIT • SEC EDGAR XBRL × RQD PEER BENCHMARK

📊 Quantitative Sector Peer Comparison, SEC Filing Delta & Investment FAQ (ACIW)

Technology Rank #48 of 715 ⚔️ KVYO vs ACIW Full Matrix →

1. Head-to-Head Technology Peer Comparison (ACIW vs. KVYO, VRNS, TENB, OCTV)

Industry: Computer Software: Prepackaged Software (222 Tracked Issuers)

Across 715 tracked Technology securities in the Roarable RQD universe, ACI Worldwide Inc. (ACIW) ranks #48 by composite RQD confidence (74/100, grade B) and #200 by equity capitalization ($5.69B). Within this direct 5-issuer industry benchmark cohort, ACIW leads on earnings valuation at 24.8x trailing P/E, while ACIW leads on capital efficiency and profitability with 12.4% ROIC and 49.0% gross margin. ACIW currently leads its immediate peer cohort in composite quantitative strength at 74/100 (B).

Ticker / Company	Roarable Grade	RQD Score	Trailing P/E	Gross Margin	ROIC	1D Change	Market Cap	Head-to-Head
ACIW ACTIVE ACI Worldwide Inc.	B	74/100	24.8x	49.0%	12.4%	+1.15%	$5.69B	Benchmark Subject
KVYO Klaviyo Inc. (Series A)	C-	61/100	—	74.7%	-11.5%	-1.42%	$5.73B	/kvyo-vs-aciw →
VRNS Varonis Systems Inc.	C	63/100	—	78.8%	-15.3%	+0.06%	$5.61B	/vrns-vs-aciw →
TENB Tenable Holdings Inc.	D+	58/100	—	78.1%	-1.0%	-1.99%	$5.59B	/tenb-vs-aciw →
OCTV Octave Intelligence plc (Class B)	C-	61/100	—	—	—	-0.14%	$5.83B	/octv-vs-aciw →

2. Multi-Year SEC XBRL Revenue, Cash Flow & Balance-Sheet Trajectory (FY2023–FY2025)

SEC EDGAR 10-K • FILED 2025-12-31 • CIK 0000935036 ↗

In its most recent audited fiscal period (FY2025, filed 2025-12-31), ACI Worldwide Inc. (ACIW) reported GAAP revenue of $1.76B (+10.4% vs. FY2024 revenue of $1.59B , and +21.1% cumulative change since FY2023) , GAAP net income of $226.7M, operating cash flow of $322.8M, and free cash flow of $309.9M (-9.7% YoY). On the balance sheet, ACIW closed FY2025 with $3.10B in total assets against $776.7M in total debt (Altman Z-Score: 4.02, Piotroski F-Score: 9/9).

Fiscal Period	Filing Date	Revenue	Net Income	Operating Cash Flow	Free Cash Flow	Total Assets	Total Debt
FY2025 (FY)	2025-12-31	$1.76B	$226.7M	$322.8M	$309.9M	$3.10B	$776.7M
FY2024 (FY)	2024-12-31	$1.59B	$203.1M	$358.7M	$343.3M	$3.03B	$889.6M
FY2023 (FY)	2023-12-31	$1.45B	$121.5M	$168.5M	$103.2M	$3.09B	$723.7M

3. ACIW Data-Verified Investor FAQ (RQD Rating, Sector Peers, SEC Forensics & Technicals)

✓ SCHEMA.ORG FAQPAGE JSON-LD ENABLED

Is ACIW stock a Buy, Hold, or Sell right now according to Roarable's RQD model?

How does ACIW compare to KVYO and VRNS in the Technology sector?

What are the biggest fundamental strengths and SEC risk factors for ACIW?

Where is ACIW trading relative to its 50-day, 200-day, and 52-week technical levels?

ACIW last traded at $56.34 (+1.15% on volume of 596,916 shares), positioning the stock +7.79% above its 50-day simple moving average ($52.27) and +18.84% above its 200-day simple moving average ($47.41). Across its 52-week range of $38.05 to $61.08, ACIW sits at the 79.4% percentile with a 14-day RSI of 65.6 (BULLISH MOMENTUM) and an implied next-earnings move of ±4.8% ($53.64 to $59.04).

Direct Sub-Reports: ACIW RQD Cockpit ACIW 12M Forecast ACIW Earnings & Move ACIW Dividends & DRIP ACIW Insiders & 13F ACIW Whale Options ACIW Profit Sankey ACIW News & Why

ROARABLE RATING BRIEF • RQD 74/100 (B) ✓ SEC XBRL & RQD VERIFIED

ACIW — ACI Worldwide Inc.: What the Facts Mean to a Prospective Investor

Methodology: RQD v6.2 Deterministic 5-Pillar & SEC XBRL Audit

Updated: 2025-12-31

1. Roarable Rating Brief: What This Means to a Prospective Investor

ACI Worldwide Inc. (ACIW) earns a live Roarable RQD composite score of 74/100, corresponding to a B letter grade (Roarable Buy) at a spot price of $56.34 (+1.15% 1D, market capitalization $5.69B).

Fundamental Cash Engine (12/20): Anchored by return on invested capital (ROIC) of 12.4%, gross margin of 49.0%, operating margin of 18.7%, and free cash flow yield of 5.51%.
Whale 13F & Options Flow (16/20) + Insider Conviction (16/20): Tracks institutional 13F accumulation, CBOE options call/put positioning, and SEC Form 4 / Congressional PTR filings.
Macro Regime Fit (14/20) + Forensic Balance Sheet (16/20): Incorporates a 1.42x equity beta, Altman Z-Score of 4.02, Piotroski F-Score of 9/9, and Debt/Equity of 0.51x.

2. Business Model, Unit Margins & SEC Financial Trajectory

ACI Worldwide Inc. Is a NASDAQ-listed issuer classified under the Technology sector and the Computer Software: Prepackaged Software industry..6B.

In its latest audited SEC EDGAR 10-K filing for FY2025 (filed 2025-12-31), ACI Worldwide Inc. (ACIW) reported $1.76B in annual revenue (up from $1.59B in FY2024, +10.4% YoY) and $226.7M in GAAP net income. Over the multi-year SEC filing window from FY2023 ($1.45B revenue, $121.5M net income) through FY2025, ACIW scaled operating cash flow to $322.8M and free cash flow to $309.9M, backed by $3.10B in total assets against $776.7M in total debt.

3. Institutional Bull vs. Bear Thesis & Valuation Tradeoff

🐂 Primary Bull Case (B • RQD 74/100): Big institutional funds and options desks are actively positioning on the bullish side. Company leadership has skin in the game with net positive insider conviction. With Fundamental Cash Engine at 12/20 and Institutional Whale Flow at 16/20, sustained execution supports upside toward the upper end of the $38.05 – $61.08 52-week range.
🐻 Primary Bear Case & Valuation Risk: Broader market pullbacks can still drag down strong stocks in the short run. Investors must weigh 24.8x trailing P/E and 18.2x EV/EBITDA against 18.7% operating margins and a 1.42x macro beta.

4. 2nd-Order Butterfly Ripples & Key Questions to Watch

— for upstream dependencies, downstream customers, sector correlations, or 2nd-order bottlenecks beyond the sector and industry classification.

Key Question #1: Can ACIW sustain or expand its 18.7% operating margin and 12.4% ROIC against Computer Software: Prepackaged Software peers over the next 4 quarters?
Key Question #2: Following FY2025 revenue of $1.76B and free cash flow of $309.9M, how will capital allocation balance growth reinvestment against $776.7M in total debt?
Key Question #3: How sensitive is ACIW's 23.1x forward P/E multiple to Technology capital spending cycles and macro interest-rate shifts (Beta 1.42x)?

ACIW Live News Feed, Press Releases & Catalyst Wire

Real-time company headlines, analyst actions, and sector developments for ACI Worldwide Inc. (ACIW) • Click "Debate This Headline" to argue it in the Roar Pit below

💬 Jump to ACIW Debate Forum (3) ↓

🟡 MARKET WIRE Yahoo! Finance Canada • 1d ago

ACI Worldwide, Inc. (ACIW) Stock Price, News, Quote & History

Yahoo! Finance Canada report covering ACI Worldwide Inc. (ACIW) market action, institutional positioning, and fundamental catalysts.

Read Full Source ↗

🟢 CATALYST ChartMill • 1d ago

ACI Worldwide (NASDAQ:ACIW): A GARP Case Study in Growth at a Reasonable Price

ChartMill report covering ACI Worldwide Inc. (ACIW) market action, institutional positioning, and fundamental catalysts.

Read Full Source ↗

🟡 MARKET WIRE Yahoo Finance Singapore • 1d ago

ACI Worldwide, Inc. (ACIW) stock price, news, quote and history

Yahoo Finance Singapore report covering ACI Worldwide Inc. (ACIW) market action, institutional positioning, and fundamental catalysts.

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🟡 MARKET WIRE GuruFocus • 1d ago

ACI Worldwide Inc (ACIW) Stock Up 4.4% but GF Value Says Overval

GuruFocus report covering ACI Worldwide Inc. (ACIW) market action, institutional positioning, and fundamental catalysts.

Read Full Source ↗

🟡 MARKET WIRE TradingView • 1d ago

ACI Worldwide, Inc. Estimates – NASDAQ:ACIW

TradingView report covering ACI Worldwide Inc. (ACIW) market action, institutional positioning, and fundamental catalysts.

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🟡 MARKET WIRE Benzinga • 1d ago

ACI Worldwide Q2 2026 Earnings Call Transcript - ACI Worldwide (NASDAQ:ACIW)

Benzinga report covering ACI Worldwide Inc. (ACIW) market action, institutional positioning, and fundamental catalysts.

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🟡 MARKET WIRE Yahoo Finance • 1d ago

ACI Worldwide (ACIW) Stock Looks About Right As Its 162% Run Tests Value

Yahoo Finance report covering ACI Worldwide Inc. (ACIW) market action, institutional positioning, and fundamental catalysts.

Read Full Source ↗

🟡 MARKET WIRE MarketBeat • 1d ago

ACI Worldwide (ACIW) Institutional Ownership 2026

MarketBeat report covering ACI Worldwide Inc. (ACIW) market action, institutional positioning, and fundamental catalysts.

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🔥 THE ROAR PIT • LIVE COMMUNITY DEBATE 3 Active Posts & Replies

ACIW Bull vs. Bear Conversation Board — What's Your Call at $56.34?

🐂 67% BULLISH CONVICTION COMMUNITY TUG-OF-WAR ON ACIW 🐻 33% BEARISH CONVICTION

SI SiliconVal_Bull RQD DEBATE OPENER • Growth & Tech Investor 🐂 BULLISH 🎯 Target: $68.17 (+21.0%)

📌 Pinned Debate

Balance-sheet strength (Altman Z 4.02, Piotroski F 9/9, Debt/Equity 0.51) combined with institutional and insider interest supports a B

Balance-sheet strength (Altman Z 4.02, Piotroski F 9/9, Debt/Equity 0.51) combined with institutional and insider interest supports a B-grade RQD score.. When you look under the hood at ACIW, Fundamental Cash Engine is 12/20 with 49.0% gross margins and 12.4% ROIC. Bears are staring in the rearview mirror while institutional 13F flow (16/20) has been quietly accumulating below $61.08. My 12M target is $68.17.

ArenaChamp_24 🐂 BULL

@RedlineAuditor Fair point on 24.8x trailing P/E, but you're ignoring the forward operating leverage in Computer Software: Prepackaged Software. If gross margin (49.0%) holds, EPS grows into the multiple faster than bears think.

RE RedlineAuditor RQD DEBATE OPENER • Accounting Quality Watch 🐻 BEARISH 🎯 Target: $47.89 (-15.0%)

Spot @ $56.34

A P/E (TTM) of 24.8 and EV/EBITDA of 18.2 with beta 1.42 leave limited valuation cushion and amplified market sensitivity.

A P/E (TTM) of 24.8 and EV/EBITDA of 18.2 with beta 1.42 leave limited valuation cushion and amplified market sensitivity.. Look at the math on ACIW: paying 24.8x trailing P/E for 12.4% ROIC and 18.7% operating margins leaves zero margin of safety if Computer Software: Prepackaged Software demand softens. I'd wait for a retest of $49.58 before getting long.