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ACI Worldwide Inc. (ACIW) Revenue-to-Profit Sankey Flow & SEC XBRL Financials

$58.40 +3.66% NASDAQ β€’ Live Quote vs Prior Daily Close (Synced Snapshot) EXT / AFTER-HRS: $58.92

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 β€’ BUY Cap $5.69B
πŸ“€ Share Live RQD Speedometer Card: 𝕏 Post Reddit StockTwits ⬇ Live SVG Card
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πŸ€– Mara Quenwick β€’ AI Quant Lead (Click for Instant Brief) Is ACIW stock a Buy, Hold, or Sell right now according to Roarable's RQD model?
β–Ό

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 $58.40 (+3.66% 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.

βœ“ Pre-computed one-to-many AI Quant brief
πŸ€– Ellis Vennor β€’ AI Peer & Flow Quant (Click for Instant Brief) How does ACIW compare to KVYO and VRNS in the Technology sector?
β–Ό

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).

βœ“ Pre-computed one-to-many AI Quant brief
πŸ€– Gideon Ashmere β€’ AI SEC 10-K Forensics (Click for Instant Brief) What are the biggest fundamental strengths and SEC risk factors for ACIW?
β–Ό

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.

βœ“ Pre-computed one-to-many AI Quant brief
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INTERACTIVE SCENARIO DECK:
πŸ›‘οΈ Portfolio Crash X-Ray
EXT / AFTER-HRS: $58.93 (+0.90%)🧬 Cannibal Buyback (-2.36% YoY Shares)βš™οΈ Cash Engine: 12/20 (C-) β€’ 17.6% FCF Margin
Verify 90D Bucket Audit β†’
πŸ“Š 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 β€’ 69.4% hit rate).
Audit Bucket Track Record β†’
RQD QUANT TACHOMETERBUY β€’ B
025507510074
2-of-3 JEV AI Jury Bullish
Cash
SEC
Whale

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

5-PILLAR SNOWFLAKE RADARRw B Β· Rk B
Cash (12)Whales (16)SEC (16)Macro (14)CEO (16)
Each axis scored 0–20
12M PRICE TARGET CONE+7.2% Base Target
$74 Bull$63 Base$48 Bear
πŸ“¬ FREE ACIW RATING-CHANGE & BRIEFING ALERTSManage / Unsubscribe
WHALE OPTIONS SNAPSHOT: β€” (No Active Options Snapshot on file for ACIW)Realized 20D OHLCV Swing Band: Β±4.8%
Deterministic 5-Pillar Attribution (74/100 Composite)
πŸ” WHY ACIW SCORES 74/100 (B) β€” TOP 3 DRIVERS2 Bullish Pillars + #1 Risk Drag
β–² #1 Bullish Driver: Whale & Options Positioning+16/20 pts (22% of score)

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

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

Altman Z-Score 4.02 (FORTRESS SAFE (>3.0)) β€’ Piotroski F-Score 9/9

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

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

πŸ“ˆ PAST 4 QUARTERS RQD vs SUBSEQUENT RETURNQ1 β†’ Q2 β†’ Q3 β†’ Current
Q1 (-3Q)
66
Grade B-$51.07+5.5% Next Q
Q2 (-2Q)
69
Grade B-$53.86+2.5% Next Q
Q3 (-1Q)
71
Grade B$55.20+5.8% Next Q
Current
74
Grade B$58.40+7.3% Hist 90D Ξ±
Trajectory: B- (66) β†’ B (74)Full Audit β†’
βš”οΈ ADVERSARIAL OPPOSING CASE & FORENSIC KILL-SWITCH (WHY THE BULL/BEAR THESIS COULD FAIL)GIDEON ASHMERE // FORENSIC SHORT & KILL-SWITCH DOSSIER

βš”οΈ Adversarial Opposing Case: Why the ACIW Bull Thesis Could Fail

Gideon Ashmere Forensic Desk β†’

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) β€” 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 ($62.60) toward Bear Floor ($47.89).

🎲 LIVE PREDICTION MARKET ODDS TIED TO $ACIWβ€’ $4.8M Crowd Pool β€’ Kalshi / Polymarket Composite
Contract: β€œACIW Beats Next Quarterly Revenue & EPS Consensus + Hyperscaler AI CapEx Holds Record Pace”
YES 74%NO 26%Trade / Inspect Odds β†’
VISUAL REVENUE-TO-PROFIT SANKEY WATERFALL β€’ FY 2025 (10-K)

How ACIW Turns Every Dollar of Sales Into Real Bottom-Line Profit

Free Cash Flow:$309.9M (17.6% FCF Margin)
Revenue$1.76BGross Profit $862.1M (49%)Cost of Sales $897.7MOp Profit $329.9M (18.7%)OpEx (R&D/SG&A) $532.2MNet Profit$226.7M (12.9%)Tax/Other $103.3M

Multi-Year SEC EDGAR XBRL Revenue, Net Profit & Free Cash Flow Trajectory

β–  Revenueβ–  Net Profitβ–  Free Cash Flow
FY23
Rev $1.45B
FY24
Rev $1.59B
FY25
Rev $1.76B
Fiscal YearRevenueGross MarginOp MarginNet ProfitFree Cash FlowROIC %
FY 2025$1.76B49%18.7%$226.7M$309.9M12.4%
FY 2024$1.59B50.3%19.3%$203.1M$343.3M11.6%
FY 2023$1.45B49%15.2%$121.5M$103.2M9.3%
ON-DEMAND RQD QUANT WORKSHOP β€’ SPONSORED / PARTNER SPOTLIGHTHosted by Perry Belcher & Roarable Forensic Quant Desk

Red-Light Warning Desk: Spotting SEC Cash-Flow & Dilution Risks Before Downgrades (Featuring ACIW)

  • βœ“Walkthrough of ACIW's RQD Radar, SEC cash-conversion gap & downside invalidation levels
  • βœ“3 asymmetric Bear/Hedge frameworks when 10-year Treasury yields stay elevated
  • βœ“Includes nightly RQD rating-change & forensic signal email alerts on your tracked stocks
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ACIW // CANDLESTICK & AUTO-TRENDLINE WORKSTATION6M: +31.89%β–² RESISTANCE BREAKOUT
2026-11-03O $55.70H $58.40L $55.70C $58.40VOL 596.9K
RES: $57.07SUP: $45.67SMA50: $52.27SMA200: $47.41
$62.56$56.44$50.33$44.22$38.10RES $57.07SUP $45.67$58.402026-05-042026-06-182026-08-052026-09-212026-11-03
PRIMARY-SOURCE FORENSICS, SECOND-ORDER LINKS & AI ANALYST DESK

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

πŸ¦‹ ACIW Butterfly Map β†’ + Track ACIW β†’
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 β†’

πŸ¦‹ Documented & Second-Order Butterfly Connections Open Graph β†’

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 β†’
DETERMINISTIC MULTI-FACTOR EQUITY AUDIT β€’ SEC EDGAR XBRL Γ— RQD PEER BENCHMARK

πŸ“Š Quantitative Sector Peer Comparison, SEC Filing Delta & Investment FAQ (ACIW)

Technology Rank #48 of 715 βš”οΈ KVYO vs ACIW Full Matrix β†’

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% +3.66% $5.69B Benchmark Subject
KVYO
Klaviyo Inc. (Series A)
C- 61/100 β€” 74.7% -11.5% +8.24% $5.73B /kvyo-vs-aciw β†’
VRNS
Varonis Systems Inc.
C 63/100 β€” 78.8% -15.3% -0.20% $5.61B /vrns-vs-aciw β†’
TENB
Tenable Holdings Inc.
D+ 58/100 β€” 78.1% -1.0% -6.50% $5.59B /tenb-vs-aciw β†’
OCTV
Octave Intelligence plc (Class B)
C- 61/100 β€” β€” β€” -2.53% $5.83B /octv-vs-aciw β†’

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

SEC EDGAR 10-K β€’ FILED 2025-12-31 β€’ CIK 0000935036 β†—

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)

βœ“ SCHEMA.ORG FAQPAGE JSON-LD ENABLED

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

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 $58.40 (+3.66% 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.

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

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).

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

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.

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

ACIW last traded at $58.40 (+3.66% on volume of 862,139 shares), positioning the stock +11.73% above its 50-day simple moving average ($52.27) and +23.18% above its 200-day simple moving average ($47.41). Across its 52-week range of $38.05 to $61.08, ACIW sits at the 88.4% percentile with a 14-day RSI of 65.6 (BULLISH MOMENTUM) and an implied next-earnings move of Β±4.8% ($55.60 to $61.20).

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 β€’ RQD 74/100 (B) βœ“ SEC XBRL & RQD VERIFIED

ACIW β€” 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 $58.40 (+3.66% 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

  • πŸ‚ Primary Bull Case (B β€’ 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

β€” 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) β€’ Click "Debate This Headline" to argue it in the Roar Pit below

πŸ’¬ Jump to ACIW Debate Forum (3) ↓
πŸ”₯ THE ROAR PIT β€’ LIVE COMMUNITY DEBATE 3 Active Posts & Replies

ACIW Bull vs. Bear Conversation Board β€” What's Your Call at $58.40?

πŸ‚ 67% BULLISH CONVICTION COMMUNITY TUG-OF-WAR ON ACIW 🐻 33% BEARISH CONVICTION
1. Pick Your Side on ACIW:
πŸ’‘ Tip: Back up your call with a price target or RQD metric to get upvoted to the top.
SI SiliconVal_Bull RQD DEBATE OPENER β€’ Growth & Tech Investor πŸ‚ BULLISH 🎯 Target: $68.17 (+21.0%)
πŸ“Œ 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 πŸ‚ 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 β€’ 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.

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