Aci WORLDWIDE, Inc. (ACIW) intrinsic value & 10-year financials
Aci WORLDWIDE, Inc. (ACIW) has a Graham intrinsic value of $45.28 per share. At $52.80 on Oct 17, 2026, the stock trades 17% above that value. Over the last 10 fiscal years revenue grew 6.4% a year to $1.8B, with an average return on invested capital of 7.5%.
- Graham intrinsic value
- $45.28
- Share price (Oct 17, 2026)
- $52.80
- Price vs Graham value
- 17% above
- Market cap
- $5.5B
- Revenue (FY2025)
- $1.8B
- Revenue growth (10-yr CAGR)
- 6.4%
- ROIC (10-yr avg)
- 7.5%
- Free cash flow (FY2025)
- $309.9M
ACIW 10-year financial history
| Fiscal year | Revenue | Net income | EPS (diluted) | Free cash flow | Operating margin | ROIC |
|---|---|---|---|---|---|---|
| FY2025 | $1.8B | $226.7M | $2.16 | $309.9M | 18.7% | 11.3% |
| FY2024 | $1.6B | $203.1M | $1.91 | $343.3M | 19.3% | 11.4% |
| FY2023 | $1.5B | $121.5M | $1.12 | $159.6M | 15.2% | 8.2% |
| FY2022 | $1.4B | $142.2M | $1.24 | $130.3M | 14.3% | 6.3% |
| FY2021 | $1.4B | $127.8M | $1.08 | $199.9M | 15.3% | 6.9% |
| FY2020 | $1.3B | $72.7M | $0.62 | $318.5M | 11.2% | 4.6% |
| FY2019 | $1.3B | $67.1M | $0.57 | $114.5M | 9.8% | 5.7% |
| FY2018 | $1.0B | $68.9M | $0.59 | $165.7M | 12.5% | 6.4% |
| FY2017 | $1.0B | $5.1M | $0.04 | $120.5M | 8.3% | 3.0% |
| FY2016 | $1.0B | $129.5M | $1.09 | $59.0M | 22.0% | 10.8% |
Source: annual 10-K filings on SEC EDGAR. Figures in USD.
Executive summary
ACI WORLDWIDE, INC. has demonstrated mature, steady growth, with revenue compounding at 6.4% annually over the past decade.
ACI WORLDWIDE, INC. has historically struggled to out-earn its cost of capital, averaging just 7.5% ROIC.
Over the decade, ACI WORLDWIDE, INC. shows that management has aggressively returned capital to shareholders by retiring 11.8% of outstanding shares.
Benjamin Graham lens
Under Benjamin Graham's formula using SEC EDGAR fundamentals, ACI WORLDWIDE, INC. is modeled at 7.9% normalized earnings growth with a 5.1% bond-yield adjustment. The resulting Graham intrinsic value estimate is $45.28 per share.