ACI Worldwide, Inc., a software company, develops, markets, installs, and supports a range of software products and solutions for facilitating digital payments to banks, merchants, and billers worldwide. The company offers ACI Acquiring, a merchant management system to deliver digital innovation, improve fraud prevention, and reduce interchange fees; ACI Issuing, a digital payments issuing solution; and ACI Enterprise Payments Platform that provides payment processing and orchestration capabilities for digital payments. It also provides ACI Low Value Real-Time Payments, a platform for processing real-time payments; and ACI High Value Real-Time Payments, a payments engine that offers multi-bank, multi-currency, 24x7 payment processing, and SWIFT messaging. In addition, the company offers ACI Omni Commerce, a scalable, omni-channel payment processing platform; ACI Secure eCommerce solution; ACI Fraud Management, a real-time approach to fraud management; ACI Digital Business Banking, a cloud-based digital banking platform; and ACI Speedpay, an integrated suite of digital billing, payment, disbursement, and communication services. The company offers electronic bill presentment and payment services to consumer finance, insurance, healthcare, higher education, utility, government, and mortgage sectors; implementation services, including product installations and configurations, and custom software modifications; and business and technical consultancy, on-site support, product education, and testing services, as well as distributes or acts as a sales agent for software developed by third parties. It markets its products under the ACI Worldwide brand. 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 based in Coral Gables, Florida.

ACI Worldwide, Inc.

AFS - Arab Financial Services provides digital transaction processing and payment solutions, including services such as card processing, digital wallets, and value-added services. They focus on fintech innovation and support various financial transactions for consumers and businesses.

AFS - Arab Financial Services

Digital Payments Group provides a card issuing platform that includes secure transaction processing, tokenized payments, and white labeled account servicing. self-described as working with market players to create innovative payment solutions.

Digital Payments Group

OneAssist provides assistance and protection for mobile devices, laptops, wallets, and home appliances. It offers various protection plans, repair services, and financial protection services.

OneAssist

ACI Worldwide provides payment software and solutions that power the global economy. The company specializes in real-time payments and fraud management solutions.

Metric
Company Name	ACI Worldwide, Inc.	AFS - Arab Financial Services	Digital Payments Group	OneAssist
Symbol	ACIW
MSH ID	COM:ACIWORLDWIDE	BH:COM:AFS	GROUP:DIGITALPAYMENTS	IN:ONEASSIST
Market	STOCKS	PRIVATE	PRIVATE	PRIVATE
Sector	Technology	Financial Services & Finance	Financial Services & Finance	Consumer Services
Industry	Software - Infrastructure	Payment Processing	Financial Technology	Insurance
Country	US	BH	GB	IN
Stage		A
Employee Count	3.21K
Website	aciworldwide.com	afs.com.bh	digitalpayments.group	oneassist.in
LinkedIn				oneassist-consumer-solutions
Founders

Metric
Market Cap	4.10B
Enterprise Value
Monthly Web Traffic		86.46K	426	221.14K
Web Traffic Growth		0.34	0.61	0.13
Valuation
Raised Capital		50M		2.40M

Metric
Revenue	1.45B
Revenue (LTM)
Revenue (NTM)
Gross Profit	611.00M
EBITDA	357.00M
Operating Income	223.01M
Net Income	121.51M
EPS	1.12
Diluted EPS	1.12
Revenue 2022
Revenue 2023
Revenue 2024
Revenue 2025
Revenue 2026

Metric
Revenue Growth (LTM)
Revenue Growth (NTM)
Gross Profit Growth (LTM)
EBITDA Growth (LTM)
Net Income Growth (LTM)
14-Day Growth Score
28-Day Growth Score
90-Day Growth Score
365-Day Growth Score

Metric
Gross Profit Margin	0.49
Operating Profit Margin	0.19
EBITDA Margin	0.25
Net Profit Margin	0.12
Return on Equity	0.15
Return on Assets	0.05
Return on Capital Employed	0.13

COM:ACIWORLDWIDE

ACI Worldwide

Last Close

55.72

22/11 21:00

Market Cap

4.10B

Beta: -

Volume Today

872.20K

Avg: -

Company Overview

Market Metrics

Financial Performance

Growth Metrics

Profitability Ratios

Valuation Multiples

Operational Metrics

Cash Flow Metrics

Balance Sheet Metrics

Efficiency Metrics

Metric
P/E Ratio	35.31
P/B Ratio	2.60
Revenue Multiple (LTM)
Revenue Multiple (NTM)
EBITDA Multiple (LTM)
EBITDA Multiple (NTM)
Price to Sales Ratio	3.63
EV Multiple	10.85

Metric
Days Sales Outstanding	94.78
Days Payables Outstanding	20.87
Days Inventory Outstanding	16.51
Operating Cycle	295.35
Cash Conversion Cycle	272.92
Asset Turnover	0.45

Metric
Operating Cash Flow	168.52M
Free Cash Flow	130.74M
Cash Flow to Debt	0.28
Operating Cash Flow/Sales	0.19
Free Cash Flow Yield	0.03

Metric
Cash & Equivalents	164.24M
Accounts Receivable	-63.00M
Inventory
Goodwill	1.23B
Debt to Capitalization	0.46
Debt to Assets	0.33
Current Ratio	1.30
Quick Ratio	1.33

Metric
Rule of 40 (LTM)
Rule of 40 (NTM)
Stock Comp to Revenue	0.02
R&D to Revenue	0.10
SG&A to Revenue	0.09