ACIW is the ticker symbol for ACI WORLDWIDE, INC., a publicly traded Technology sector company listed on Nasdaq. 13F Pro tracks ACIW with AI-powered analysis, an AI quality score, SEC EDGAR financials, insider transactions, and institutional 13F holdings — all sourced directly from public SEC filings.

Is ACIW a good stock to buy?

13F Pro's AI ranking engine scores ACIW at 61.6/100, ranked #768 of 2,925 stocks on a composite quality score built from its SEC filings, covering profitability, growth, balance sheet strength, and free cash flow. The full AI verdict and bull/bear case for ACIW is available at https://13fpro.ai/company/ACIW. Not investment advice — review the underlying SEC filings before making any trade.

Where does 13F Pro source ACIW data?

All ACI WORLDWIDE, INC. fundamentals and ownership data come directly from SEC EDGAR. ACI WORLDWIDE, INC. files with the SEC under CIK 935036. 13F Pro ingests XBRL financial facts from 10-K and 10-Q filings, Form 13F-HR institutional holdings, and Form 4 insider transactions, with no third-party rewrites or estimates.

ACI WORLDWIDE, INC. ACIW

NasdaqMid CapTechnology

13F Pro quality score

Rank #768 of 2,925TOP 50%

Why it scores 62 Technology peers →

Rankings refresh quarterly once 80% of peers have filed. Next update: ~Nov 14, 2026.

Revenue

$430.42M

Quarter to Jun 30

Net income

$31.80M

Quarter to Jun 30

Free cash flow

$63.94M

Quarter to Jun 30

Operating margin

10.4%

Quarter to Jun 30

Top Institutional Holders

as of Q2 2026

$5.21B total

BlackRock, Inc.

$823.82M-3.7%

VANGUARD PORTFOLIO MANAGEMENT LLC

$407.96M+0.7%

FRANKLIN RESOURCES INC

$336.70M+1.2%

FMR LLC

$329.19M+202.2%

VANGUARD CAPITAL MANAGEMENT LLC

$230.68M+1.0%

STATE STREET CORP

$215.94M+3.5%

GEODE CAPITAL MANAGEMENT, LLC

$170.96M+7.1%

DIMENSIONAL FUND ADVISORS LP

$158.68M+12.2%

FULLER & THALER ASSET MANAGEMENT, INC.

$137.41M+27.1%

North Reef Capital Management LP

$131.61M+17.4%

REINHART PARTNERS, LLC.

$121.92M+8.5%

Hood River Capital Management LLC

$117.17M-2.6%

MORGAN STANLEY

$105.78M+9.9%

ALLIANCEBERNSTEIN L.P.

$95.46M+14.7%

ARROWSTREET CAPITAL, LIMITED PARTNERSHIP

$88.54M-0.5%

LONDON CO OF VIRGINIA

$80.23M-5.1%

CONGRESS ASSET MANAGEMENT CO /MA

$80.08M-13.2%

CHARLES SCHWAB INVESTMENT MANAGEMENT INC

$67.50M+1.3%

NORGES BANK

$65.83M--

NORTHERN TRUST CORP

$63.92M+1.8%

PRICE T ROWE ASSOCIATES INC /MD/

$56.13M+2.0%

RICE HALL JAMES & ASSOCIATES, LLC

$50.62M+0.3%

NOMURA ASSET MANAGEMENT INTERNATIONAL INC.

$48.36M-3.8%

MASSACHUSETTS FINANCIAL SERVICES CO /MA/

$39.12M-10.6%

GOLDMAN SACHS GROUP INC

$37.43M+23.0%

See all 381 institutional holders →

What's Driving ACIW's Business? Latest 10-Q Breakdown

22/22 datapoints verified

AI-extracted from the 10-Q filed 2026-08-06 — Q2 FY2026 (quarter ended June 30, 2026). Every figure is machine-verified against the filing text on SEC EDGAR.

ACI Worldwide Q2 revenue of $430.4M grew 7% YoY; net income surged 161% to $31.8M on lower interest expense and improved operating leverage.

Biggest Revenue Drivers

Software as a Service and Platform as a Service$284.8M+5% YoY

Driven by new customer go-lives and higher transaction volumes.

License$68.8M+21% YoY

Driven by license renewal timing and relative size of new license and capacity events.

Biggest Revenue Drivers

Total revenue: $430.4M+7% YoY

Software as a Service and Platform as a Service$284.8M+5% YoY

Driven by new customer go-lives and higher transaction volumes.

License$68.8M+21% YoY

Driven by license renewal timing and relative size of new license and capacity events.

Maintenance$51.6M+2% YoY

Minimal growth from recurring customer support fees.

Services$25.3M+11% YoY

Timing and magnitude of project-related implementation and professional services work.

Largest Expense Items

Cost of revenue$248.9M+6% YoY

Higher payment card interchange fees of $14.6M, partially offset by lower personnel costs.

Research and development$47.9M+17% YoY

Higher personnel and related expenses including increased stock-based compensation.

Selling and marketing$30.6M+6% YoY

Higher personnel and advertising/professional fees.

General and administrative$34.5M-8% YoY

Decrease in professional and legal fees, partially offset by higher personnel costs.

Margins: Operating income margin improved to 10.4% from 8.7% YoY, benefiting from revenue growth outpacing operating expense growth and lower interest expense. Net margin expanded significantly to 7.4% from 3.0%, aided by 18% reduction in interest expense and improved tax efficiency.

Watch Items from the Filing

Biller segment Adjusted EBITDA declined $5.0M in Q2 2026 vs Q2 2025, driven by $17.1M increase in payment card interchange costs despite $12.1M revenue growth—margin compression risk.
60-month backlog stable at $7.3B as of Q2 2026 vs $7.3B at Q1 2026; Committed Backlog decreased to $2.1B from $2.2B, signaling potential near-term revenue headwinds.
No customer represents more than 10% of revenue; geographic diversification with US at 64% and international 36% of Q2 revenue, reducing concentration risk.
Debt outstanding $826.3M with floating rate of 5.49%; 10% interest rate increase would add ~$4.5M annually to interest expense, representing material leverage sensitivity.

AI-extracted and verified against SEC EDGAR filing text. Not investment advice.

Read the full 10-Q on SEC EDGAR →

Key Metrics

Revenue

Q2 2026

EDGAR

Net Income

Q2 2026

EDGAR

EPS (Diluted)

Q2 2026

EDGAR

Operating Margin

Q2 2026

EDGAR

ROIC

Q2 2026

EDGAR

Free Cash Flow

Q2 2026

EDGAR

Debt/Equity

Q2 2026

EDGAR

Financial Trends

Revenue & Net Income

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Earnings Per Share

13fpro.ai/company/ACIW

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ACI WORLDWIDE, INC. reported revenue, net income and margins by fiscal period, from SEC filings.
Period	Form	Revenue	Net income	Op. marginOperating margin
FY 2025	10-K	$1.8B	$226.7M	18.8%
FY 2024	10-K	$1.6B	$203.1M	19.3%
FY 2023	10-K	$1.5B	$121.5M	15.2%
FY 2022	10-K	$1.4B	$142.2M	14.3%
FY 2021	10-K	$1.4B	$127.8M	15.3%
FY 2020	10-K	$1.3B	$72.7M	11.2%

About ACI WORLDWIDE, INC. (ACIW): stock profile, AI score and financials

ACI WORLDWIDE, INC. (ACIW) stock profile, AI quality score, and SEC EDGAR financial data, a Technology sector company. 13F Pro's AI-powered ranking engine scores ACIW at 61.6/100 on a composite quality score built from its SEC filings, placing it at rank #768 of 2,925 stocks — the top half of the AI-ranked universe. ACIW scores in the top quartile across balance sheet strength (77.9). Shareholder dilution risk is elevated at 27.1/100, reflecting ongoing share issuance or stock-based compensation. Based on the latest XBRL financial filings (Q2 2026), ACI WORLDWIDE, INC. reports quarterly revenue of $430.4M, net income of $31.8M, an operating margin of 10.4%. Top institutional holders of ACIW by reported 13-F value include BlackRock, VANGUARD PORTFOLIO MANAGEMENT, FRANKLIN RESOURCES, based on the most recent SEC filings. ACIW trades on the Nasdaq exchange and files with the SEC under CIK 935036. 13F Pro's AI research platform runs 10 specialized AI analysts — value, growth, momentum, macro, and activist specialists — that debate ACIW daily and publish AI-generated analysis with cited SEC sources. The platform aggregates historical XBRL financial facts, 10-Q and 10-K filings, insider Form 4 transactions, and institutional 13-F holdings for ACI WORLDWIDE, INC. directly from SEC EDGAR.

Financials through the period ended Jun 30, 2026SEC EDGAR: CIK 935036 →

ACI WORLDWIDE, INC. ACIW

Top Institutional Holders

What's Driving ACIW's Business? Latest 10-Q Breakdown

Biggest Revenue Drivers

Biggest Revenue Drivers

Largest Expense Items

Watch Items from the Filing

Key Metrics

Financial Trends

Revenue & Net Income

Earnings Per Share

ACIW key financials by period

ACIW insiders

Congress trading in ACIW

About ACI WORLDWIDE, INC. (ACIW): stock profile, AI score and financials

ACI WORLDWIDE, INC. ACIW

Top Institutional Holders

What's Driving ACIW's Business? Latest 10-Q Breakdown

Biggest Revenue Drivers

Key Metrics

Financial Trends

Revenue & Net Income

Earnings Per Share

ACIW key financials by period

Companies similar to ACIW

ACIW insiders

Congress trading in ACIW

About ACI WORLDWIDE, INC. (ACIW): stock profile, AI score and financials