ACI Worldwide (ACIW.US) Price Target 2026/2027: 30% Upside – Rating and Stock Analysis

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ACI Worldwide Price Target 2026: Analysts See 32% Upside

The average price target for ACI Worldwide is $67.33. This price target represents the analysts' view of the stock price over the next 12 months. The stock may be undervalued, because the price target is higher than the current price. The stock is 31.50% below the target, which can point to potential returns within the next 12 months if the analysts' view proves right. Also consider the stock's valuation ratios such as P/E, P/S and P/B, plus the technical analysis further down the page, for the full picture.

Is ACI Worldwide overvalued or undervalued?

ACI Worldwide is currently undervalued with a gap of 31.5% relative to the price target.


The current price is $51.20, which places ACI Worldwide in the undervalued category. The stock is considered undervalued when the price is below $60.60, and overvalued when the price exceeds $74.06.


The fair value range is defined as ±10% of the price target, because price targets are estimates rather than exact values. For ACI Worldwide, the fair value range lies between $60.60 and $74.06.


See the full price target analysis for ACI Worldwide →

Analyst Ratings for ACI Worldwide stock in 2026: Strong Buy

4 analysts cover ACI Worldwide. The majority is positive, with 75% recommending Buy, while 25% recommend Hold. The average price target is $67.33, which gives an upside of 31.5% from the current price.

Consensus: Strong Buy (4.50/5)
Strong Buy
3 (75%)
Hold
1 (25%)
Strong Sell Sell Hold Buy Strong Buy
4.50 out of 5 based on 4 analysts

About ACI Worldwide – Software - Infrastructure

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. 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. Read more about the company

Key Figures for ACI Worldwide

$5.2B Market cap
$1.8B Revenue
Software - Infrastructure Industry
23.32 P/E
2.83 P/S
3.32 P/B
United States Listed on exchange

What kind of stock is ACI Worldwide?

Growth stock Quality stock

ACI Worldwide is classified as a growth stock and quality stock. This means the stock combines several attractive traits, strong financial health (Piotroski 9/9).

Score Overview for ACI Worldwide

💰 Value Score 54/100 (Neutral)
⭐ Quality Score 82/100 (Very High)
🚀 Momentum Score 64/100 (High)
📊 Total Score 66/100

📈 Valuation

ACI Worldwide trades at a P/E ratio of 23.3, which is close to the market average. The forward P/E is 12.6 (46% lower), which suggests the market expects rising earnings. The P/S ratio is 2.8. The P/B ratio is 3.3. The PEG ratio is 1.78.

💵 Profitability & Growth

ACI Worldwide has a profit margin of 12.4% (solid) and an operating margin of 10.5%. Return on equity (ROE) is 15.6% — solid return on equity. Return on assets (ROA) is 7.0%. The latest quarterly earnings grew 165.2% year over year — strong growth.

🏦 Financial Health

The Piotroski score is 9 out of 9 — excellent financial health. Altman Z2 is 4.65 (healthy balance sheet — low risk). The debt-to-equity ratio (D/E) is 112.4% — moderate debt.

🚀 Momentum & Short Interest

Short interest is 9.15% — elevated, some investors are betting on a decline.

Insider Trading in ACI Worldwide 2026: The Signal Is mostly negative

In 2026, insiders at ACI Worldwide have made 20 transactions – split into 6 purchases and 14 sales. On a net basis, insiders took $8,010,130 out of the stock. Active insiders include Benitez Juan II, SANCHEZ ADALIO T, Warsop Thomas W III and others.

Short-Term Signal (3 months): No activity

There has been no insider trading in the last 3 months.

Long-Term Signal (all transactions): Mostly negative

Insiders have sold considerably more than they have bought. At large companies this can be due to planned sales (10b5-1 plans) and is not necessarily a negative signal.

Across the last 20 transactions: 6 purchases and 14 sales. A net $8,010,130 out of the stock.

Latest purchase: Benitez Juan II bought 2,400 shares at $41.90 each on 2026-03-03. The stock has since risen 22.2%.

Latest sale: Kuruvilla Abraham sold 4,210 shares at $47.69 each on 2025-11-10.

Who is buying: Benitez Juan II, SANCHEZ ADALIO T, Warsop Thomas W III, Puppala Ram Kumar.

Who is selling: Kuruvilla Abraham, ESTEP JANET O, Harman Mary P, PETERS CHARLES E JR, Behrens Scott W and others.

Latest Insider Trades in ACI Worldwide (2026)

The table shows the last 20 reported insider transactions in ACI Worldwide. Green rows are purchases, red rows are sales. The data is based on official filings.

Transaction date Name Type Number of shares Price per share ($) Total amount ($)
2026-03-03 Benitez Juan II Buy 2,400 42 100,560
2026-03-02 SANCHEZ ADALIO T Buy 3,000 41 122,940
2025-11-10 Kuruvilla Abraham Sell 4,210 48 200,775
2025-06-18 ESTEP JANET O Sell 4,500 45 200,970
2025-06-10 Harman Mary P Sell 7,194 47 341,571
2025-05-12 Warsop Thomas W III Buy 5,000 49 242,850
2025-03-03 PETERS CHARLES E JR Sell 12,940 58 744,956
2024-12-11 Behrens Scott W Sell 94,488 56 5,262,037
2024-12-06 Kuruvilla Abraham Sell 5,400 56 300,834
2024-11-13 SANCHEZ ADALIO T Sell 1,200 57 68,700

Who is buying and selling ACI Worldwide shares in 2026?

The following insiders have bought shares in ACI Worldwide: Benitez Juan II, SANCHEZ ADALIO T, Warsop Thomas W III, Puppala Ram Kumar. In total, $1,504,650 was bought across 6 transactions. The following insiders have sold shares: Kuruvilla Abraham, ESTEP JANET O, Harman Mary P, PETERS CHARLES E JR, Behrens Scott W and others. In total, $9,514,779 was sold across 14 transactions. Insider trades are legal transactions in which executives and board members buy or sell shares of their own company. These transactions are reported to the SEC and are publicly available.

ACI Worldwide Short Selling 2026: 9.2% Sold Short

High short interest: 9.2% of the free float
Short % of free float
9.2%
Assessment
High short interest
Short squeeze risk
Moderate
Data source
EODHD
Reported about twice a month
The stock has a high share of short selling. Between 5-10% of the freely traded shares are sold short, which suggests some investors are betting on falling prices. Positive surprises can lead to a moderate short squeeze.

What does this mean for you as an investor?
A short interest of 9.2% means that 9.2% of the freely traded shares in ACI Worldwide have been borrowed and sold by investors betting on falling prices.

Short interest comes from our data provider EODHD. The figure is reported about twice a month; we check it every trading day.
Short Interest Scale
0% 2% 5% 10% 20%+
Low Moderate High Very High Extreme
▲
9.2%

When Does ACI Worldwide Report Earnings?

The next earnings date for ACI Worldwide is not yet available. Check the company's investor calendar for more information.



Technical Analysis of ACI Worldwide 2026 – Signal: Hold

Overall Technical Signal: Hold

Based on trend analysis (SMA50/SMA200) and MACD trend (positive/negative on a daily + weekly basis). Updated October 14, 2026.

Trend Analysis of ACI Worldwide, Inc

ACI Worldwide, Inc is in a short-term uptrend. The price of $51.20 is 2.1% above the 20-day average ($50.16). Medium term, the picture is negative: the price is 1.3% below the 50-day average ($51.85). Long term, the stock is 9.6% above the 200-day average ($46.73), which confirms a long-term uptrend.

Golden Cross: The 50-day average (51.85) is above the 200-day average (46.73), which is a classic bullish signal for ACI Worldwide, Inc.

Is ACI Worldwide, Inc overbought or oversold?

ACI Worldwide, Inc has an RSI of 52.7, right in the middle of the neutral zone. There is no clear buying or selling pressure.

MACD Analysis for ACI Worldwide, Inc

Daily MACD: MACD is negative (-0.223), which means the short-term trend is bearish (the 12-day EMA is below the 26-day EMA). MACD is above the signal line (-0.515) by 0.292, which suggests the negative momentum is fading – a potential trend reversal could be ahead.

Weekly MACD: MACD5 is positive (1.369), which indicates a broader bullish long-term trend. MACD5 is below the signal line (1.949) by 0.580, which suggests the long-term momentum is fading – the positive trend could come under pressure.

Overall MACD assessment: The daily and weekly MACD give conflicting signals. The long-term trend is bullish, but the short-term trend is bearish. Daily momentum is rising, though, which could suggest the pullback is over.

Risk Profile for ACI Worldwide, Inc

ACI Worldwide, Inc has an annual standard deviation of 34.4%, which classifies the stock as Balanced. There is some volatility, but the price is relatively stable.

Overall Technical Conclusion for ACI Worldwide, Inc

Trend: Neutral/mixed.

MACD trend (zero line): Daily bearish (-0.223). Weekly bullish (1.369).

MACD momentum (signal): Daily rising. Weekly falling.

RSI: 52.7 – neutral.

Technical signal: Hold

The signals are mixed – trend and MACD point in different directions. Wait until MACD crosses the zero line in the direction of the trend before acting.

Frequently Asked Questions About ACI Worldwide stock in 2026

Should you buy ACI Worldwide stock now?
The technical signal for ACI Worldwide is currently Hold. ACI Worldwide trades at $51.20 as of Oct 14, 2026. The technical analysis shows the following: MACD is negative (bearish trend) at -0.223 with rising momentum (signal: -0.515); RSI is at 52.7 (neutral zone); the stock is in a short-term uptrend (price above the 20-day average); the analyst price target of $67.33 points to 31.5% upside. This is a technical observation based on current data, not investment advice.
What is the price target for ACI Worldwide stock?
The average analyst price target for ACI Worldwide is $67.33. The current price is $51.20, which gives an upside of 31.5%. Based on this, the stock is considered undervalued. The fair value range (±10% of the price target) is between $60.60 and $74.06.
Is ACI Worldwide a dividend stock?
No, ACI Worldwide does not currently pay a dividend to shareholders. The company reinvests its profits in growth instead of paying dividends.
What is the risk of ACI Worldwide stock?
ACI Worldwide is rated as a stock in the risk category Balanced. the annual standard deviation is 34.4%, which classifies the stock as Balanced.
Is ACI Worldwide overvalued?
No, ACI Worldwide is considered undervalued based on the analyst price target (31.5% upside). ACI Worldwide has the following valuation ratios: a P/E ratio of 23.3 (moderately to highly valued), a P/S ratio of 2.8, a P/B ratio of 3.3. The analyst price target suggests that the stock is undervalued by 31.5%.
Is ACI Worldwide overbought?
No, ACI Worldwide is not overbought. RSI is at 52.7 (neutral zone). The technical indicators show: RSI is at 52.7 (neutral zone between 30-70), which signals neither overbought nor oversold. In addition, the price is 2.1% above the 20-day average (short-term uptrend). In addition, MACD is negative, but momentum is rising (possible trend reversal).
When is the next ACI Worldwide earnings report?
The date of the next earnings report for ACI Worldwide has not been published yet. Check the company's investor calendar for updates.
Is ACI Worldwide shorted?
Yes, ACI Worldwide is shorted with 9.2% of the free float sold short. This is a high level of short selling, which suggests some investors are betting on falling prices. Positive surprises can lead to a moderate short squeeze. The figure comes from our data provider EODHD, is reported about twice a month, and we check it every trading day.
Are insiders buying ACI Worldwide stock?
No, insiders are not buying ACI Worldwide shares – they are net sellers. Across the last 20 reported transactions, the split is 6 purchases and 14 sales, with a net 8,010,130 $ sold. Active sellers include Kuruvilla Abraham, ESTEP JANET O, Harman Mary P and others. Insider selling can have several explanations (e.g. planned 10b5-1 sales, portfolio diversification or taxes), but sustained selling by several insiders is worth watching closely.
Is ACI Worldwide a good stock?
Based on our total score, ACI Worldwide is rated as a good stock with a total score of 66 out of 100. The stock scores above average on value, quality and momentum. The score is made up of Value: 54/100, Quality: 82/100, Momentum: 64/100. In addition: analysts see 31.5% upside to the price target. Whether now is the time to buy is a separate question: the technical signal is Hold. Whether ACI Worldwide is a good investment depends on your time horizon, risk profile and portfolio. This is a data-driven observation, not investment advice.
What is the outlook for ACI Worldwide stock?
The outlook for ACI Worldwide based on current data: the average analyst price target is $67.33 (+31.5%); the P/E ratio is 23.3 (moderate). Keep in mind that stock prices are affected by many factors, including earnings reports, the economy and market sentiment. Past returns are no guarantee of future returns.
Why is ACI Worldwide stock rising?
ACI Worldwide is rising right now. The technical indicators show: the price is 2.1% above the 20-day average; short interest is 9.2% (high – many are betting on a decline); insiders have mostly been selling the stock recently. For the latest context, see our technical analysis and insider section above.
How high can ACI Worldwide go?
The average analyst price target for ACI Worldwide is $67.33, which corresponds to a potential gain of 31.5% from the current price of $51.20. The stock has traded between $38.05 and $61.08 over the last 52 weeks. Keep in mind that price targets are estimates, not guarantees. Actual price moves depend on earnings, market conditions and unexpected events.
How low can ACI Worldwide fall?
The stock has traded as low as $38.05 over the last 52 weeks — that is 25.7% below the current price of $51.20. The biggest decline (drawdown) in the same period was 37.7% from high to low. Within a year, the price typically swings about ±34.4% (standard deviation — a measure of price swings). A difficult year could therefore mean a further decline of that size. Remember: past price swings are no guarantee for the future — a stock can fall further than the last 52 weeks suggest, especially on profit warnings, sector crises or a market crash. Use stop-loss orders and spread your portfolio to limit losses in single stocks.
What does ACI Worldwide do?
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. The company offers ACI Acquiring, a solution to pro... The company belongs to the Technology sector, more specifically the Software - Infrastructure industry, is headquartered in United States, and is traded on the USA Stocks. See the key figures, earnings history and price development above to evaluate ACI Worldwide as an investment.
Did ACI Worldwide raise or lower its guidance?
Over the last 60 days we have not registered a guidance raise or cut from ACI Worldwide. The company can still adjust its guidance at quarterly reports or between reports — see the earnings history above.
Is ACI Worldwide making money or losing money?
Yes, ACI Worldwide is making money, not losing it. The company has a profit margin (the share of revenue left over as profit) of 12.4% — which is solid. The operating margin (profit before interest and taxes) is 10.5%. At a P/E ratio of 23.3, you currently pay 23.3 dollars for every dollar of the company's annual earnings. A consistently profitable company is usually more resilient than growth stocks that are not yet making money.
Can ACI Worldwide go bankrupt?
The bankruptcy risk of ACI Worldwide is rated as low. Altman Z2 (a model for assessing financial distress) is 4.65 — that places the company in the healthy zone. The company has a healthy balance sheet with limited debt relative to earnings and assets. The Piotroski score (financial health 0-9, higher is better) is 9 — which is strong. Debt relative to equity is 112% (moderate). Remember: models like Altman Z2 are statistical — unexpected shocks (fraud, a sector collapse, lawsuits) can always happen. Spread your portfolio.
Does ACI Worldwide have a lot of debt?
ACI Worldwide has moderate debt relative to equity. The debt-to-equity ratio (D/E — interest-bearing debt to equity) is 112%. For the technology sector, 60-120% counts as a typical level. Tech companies are usually asset-light and need little borrowed capital — anything below 60% counts as low in this sector. Note: D/E levels are highly sector-specific — a bank at 300% debt is normal, a tech stock at 300% is extremely leveraged. Always compare with similar companies in the same sector. Can ACI Worldwide service its debt? Can service its debt without problems — the interest coverage ratio (how many times earnings can cover interest payments) is 4.3x, and net debt equals 1.8 years of earnings (EBITDA).

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