What is the 13F Pro Quality Score for ACIW?

13F Pro ranks ACI WORLDWIDE, INC. (ACIW) on the 13F Pro Quality Score, a 0–100 composite of 32 fundamental signals including return on invested capital, free cash flow consistency, balance-sheet strength, earnings quality, growth durability, and valuation discipline. The score refreshes after each 10-K and 10-Q filing on SEC EDGAR. View ACIW's current score at https://13fpro.ai/research/ACIW (free sign-up required for the full ranking).

Which hedge funds own the most ACIW stock?

Based on the most recent Form 13F-HR filings on SEC EDGAR, the largest reported institutional holders of ACIW include BlackRock,, VANGUARD PORTFOLIO MANAGEMENT, FRANKLIN RESOURCES. Holdings are reported quarterly within 45 days of quarter-end and updated on https://13fpro.ai/research/ACIW as soon as new 13F filings post.

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.

What sector is ACIW in?

ACI WORLDWIDE, INC. (ACIW) is classified in the Technology sector. 13F Pro publishes sector-level fund flow analysis and quality leaders at https://13fpro.ai/research/sector/technology.

How often is ACIW research updated on 13F Pro?

ACIW's fundamentals refresh within hours of each new 10-K or 10-Q filing on SEC EDGAR. Institutional ownership updates after each quarterly 13F filing window. Insider transactions update after each Form 4 filing. The 13F Pro Quality Score recalculates after every fundamentals refresh.

ACI WORLDWIDE, INC.(ACIW)Stock Analysis

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13F Pro Quality Score

65.5/100

Rank #575 of 2,879 stocksTOP 25%

View Technology peers →

Rankings refresh quarterly once 80% of peers have filed (~45 days after quarter-end). Next update: ~Aug 14, 2026.

Revenue Growth

74.4/100

Profitability

75.3/100

Balance Sheet

76.7/100

Earnings Quality

30.0/100

Free Cash Flow

72.5/100

Institutional Flow

24.2/100

Revenue Scale

59.9/100

Dilution Risk

29.0/100

ACIW Stock Analysis & AI Quality Score

AI stock analysis and institutional research for ACI WORLDWIDE, INC. (ACIW), a Technology sector company. 13F Pro's AI-powered ranking engine scores ACIW at 65.5/100 on a 32-signal composite quality model, placing it at rank #575 of 2,879 stocks — the top 25% of the AI-ranked universe. ACIW scores in the top quartile across balance sheet strength (76.7), profitability (75.3). Areas of concern include institutional flow (24.2) and earnings quality (30.0), which score below median versus the broader universe. Shareholder dilution risk is elevated at 29.0/100, reflecting ongoing share issuance or stock-based compensation. Based on the latest XBRL financial filings (Q1 2026), ACI WORLDWIDE, INC. reports quarterly revenue of $425.7M, net income of $38.3M, an operating margin of 13.5%. 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. ACI WORLDWIDE, INC.'s 13F Pro composite quality score has ranged between 8 and 77 since 2021, currently 65.5 — an improving long-term trajectory across 56 quarterly and live scoring snapshots.

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Fun facts about ACI WORLDWIDE, INC.

Quirks, history, and lore behind ACIW — the kind of stuff that makes a stock memorable.

1
The Basics
U.S. software company · mid-cap · listed on Nasdaq · headquartered in Nebraska.
2
The Numbers
Annual revenue in the range of $1.5 billion, serving clients across more than 80 countries — a genuinely global footprint for a company most consumers have never heard of.
3
The History
Founded in the 1970s, it grew up alongside the rise of electronic banking and has been processing the world's money movements quietly ever since.
4
The Secret
Its software sits behind the scenes at banks, billers, and merchants, orchestrating real-time payments and fraud detection — the invisible plumbing of the global financial system.
5
The Lore
Its platform handles transactions worth trillions of dollars annually, and its customers include most of the world's top-tier financial institutions — yet you've almost certainly never typed its name at checkout.
6
The Giveaway
Ticker ACIW, named for its flagship ACI payments software, and proudly headquartered in Elkhorn, Nebraska — proving fintech doesn't need a Manhattan zip code.

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Revenue

Q1 2026

$425.7M

Net Income

Q1 2026

$38.3M

Free Cash Flow

Q1 2026

$61.2M

Operating Margin

Q1 2026

13.5%

D/E Ratio

Q1 2026

0.57

Revenue & Net Income

Earnings Per Share

Key Financials Over Time

Export Financial Table · Pro+

Revenue

+10.4% YoY

$1.76BFY 2025

FY22 $1.42BFY23 $1.45BFY24 $1.59BFY25 $1.76B

Net Income

+11.6% YoY

$226.7MFY 2025

FY22 $142.2MFY23 $121.5MFY24 $203.1MFY25 $226.7M

Operating Income

+7.1% YoY

$329.9MFY 2025

FY22 $203.8MFY23 $220.4MFY24 $308.1MFY25 $329.9M

EPS (Diluted)

+13.1% YoY

$2.16FY 2025

FY22 $1.24FY23 $1.12FY24 $1.91FY25 $2.16

Total Assets

+2.6% YoY

$3.10BFY 2025

FY22 $3.21BFY23 $3.44BFY24 $3.03BFY25 $3.10B

Total Debt

-10.5% YoY

$858.5MFY 2025

FY22 $1.16BFY23 $1.11BFY24 $959.5MFY25 $858.5M

Op. Cash Flow

-10.0% YoY

$322.8MFY 2025

FY22 $143.4MFY23 $168.5MFY24 $358.7MFY25 $322.8M

Metric	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021	FY 2019
Revenue	$1.76B +10.4%	$1.59B +9.8%	$1.45B +2.2%	$1.42B +3.7%	$1.37B +8.9%	$1.26B
Net Income	$226.7M +11.6%	$203.1M +67.2%	$121.5M -14.5%	$142.2M +11.3%	$127.8M +90.6%	$67.1M
Operating Income	$329.9M +7.1%	$308.1M +39.8%	$220.4M +8.1%	$203.8M -2.9%	$209.9M +69.6%	$123.8M
EPS (Diluted)	$2.16 +13.1%	$1.91 +70.5%	$1.12 -9.7%	$1.24 +14.8%	$1.08 +89.5%	$0.57
Total Assets	$3.10B +2.6%	$3.03B -12.2%	$3.44B +7.3%	$3.21B +1.6%	$3.16B -3.0%	$3.26B
Total Debt	$858.5M -10.5%	$959.5M -13.7%	$1.11B -3.7%	$1.16B +3.9%	$1.11B -21.0%	$1.41B
Operating Cash Flow	$322.8M -10.0%	$358.7M +112.9%	$168.5M +17.5%	$143.4M -35.0%	$220.5M +66.3%	$132.6M

AI Insight: ACIW Financial Trends

ACIW delivers 7.8% year-over-year revenue growth in Q1 2026 while debt falls to a multi-period low of $848M, but net income dropped sharply versus Q4 2025.

• Revenue grew year-over-year from $373M in Q2 2024 to $482M in Q4 2025, with Q1 2026 at $426M vs. $395M in Q1 2025 — a 7.8% YoY gain.

• Total debt declined steadily from $1,043M in Q2 2024 to $848M in Q1 2026, a reduction of $195M over seven quarters.

• Operating income in Q1 2026 was $57M, up from $59M in Q1 2025 — essentially flat, while net income fell from $59M to $38M year-over-year.

• Operating cash flow dipped to $50M in Q2 2025, recovering only partially to $64M in Q1 2026, remaining below Q1 2025's $78M.

⚠ Net income dropped from $64M in Q4 2025 to $38M in Q1 2026, a 41% sequential decline — monitor whether cost pressures are structural.

⚠ Equity dipped from $1,519M in Q4 2025 to $1,501M in Q1 2026 — first sequential equity contraction in three quarters.

⚠ Debt ticked up $58M sequentially in Q2 2025 before resuming its decline; watch for similar reversals disrupting the deleveraging trend.

AI Insight: ACIW Ratio Trends

ACIW's profitability is heavily seasonal — Q1 2026 margins compressed sharply, but full-year TTM ROIC of 14.0% and D/E of 0.57 reflect improving underlying quality.

• D/E ratio declined steadily from 0.84 in Q2 2024 to 0.57 in Q1 2026, signaling meaningful deleveraging over the period.

• TTM ROIC reached 14.0% versus 9.4% in Q2 2024, showing a clear improvement in capital efficiency on a full-cycle basis.

• Q1 operating margins are structurally weak: Q1 2025 at 14.8% and Q1 2026 at 13.5%, consistent with ACIW's seasonal revenue concentration in H2.

• Q4 2025 OpMargin of 22.6% trailed Q4 2024's 27.0%, and ROIC slipped from 20.5% to 18.3% year-over-year.

⚠ Q2 2025 showed severe margin trough — OpMargin 8.7%, ROIC 6.0% — monitor whether Q2 2026 deteriorates further.

⚠ Year-over-year Q4 ROIC declined 2.2pp (20.5% → 18.3%); watch whether peak-quarter profitability is structurally softening.

⚠ Continued D/E reduction toward 0.57 supports financial flexibility; sustaining this trend is a key balance-sheet positive to monitor.

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Available Research

13F Pro tracks comprehensive data for ACI WORLDWIDE, INC. including:

SEC EDGAR filings (10-K, 10-Q, 8-K)

XBRL financial facts (revenue, EPS, margins)

Insider transactions (Form 4)

Institutional 13F holdings

Quality rankings (32 signals)

AI analyst debates & daily meetings

Historical financial trends

Peer comparison & sector analysis

Top Institutional Holders of ACIW

BlackRock, Inc.
$697.9M17,018,137 sh
VANGUARD PORTFOLIO MANAGEMENT LLC
$330.4M8,056,347 sh
FRANKLIN RESOURCES INC
$271.3M6,616,371 sh
VANGUARD CAPITAL MANAGEMENT LLC
$186.2M4,540,512 sh
STATE STREET CORP
$170.2M4,150,909 sh
GEODE CAPITAL MANAGEMENT, LLC
$130.2M3,174,725 sh
DIMENSIONAL FUND ADVISORS LP
$115.4M2,813,150 sh
Hood River Capital Management LLC
$98.1M2,391,319 sh
ALLIANCEBERNSTEIN L.P.
$97.0M2,028,833 sh
REINHART PARTNERS, LLC.
$91.7M2,234,814 sh

Fund	Value	Shares
BlackRock, Inc.	$697.9M	17,018,137
VANGUARD PORTFOLIO MANAGEMENT LLC	$330.4M	8,056,347
FRANKLIN RESOURCES INC	$271.3M	6,616,371
VANGUARD CAPITAL MANAGEMENT LLC	$186.2M	4,540,512
STATE STREET CORP	$170.2M	4,150,909
GEODE CAPITAL MANAGEMENT, LLC	$130.2M	3,174,725
DIMENSIONAL FUND ADVISORS LP	$115.4M	2,813,150
Hood River Capital Management LLC	$98.1M	2,391,319
ALLIANCEBERNSTEIN L.P.	$97.0M	2,028,833
REINHART PARTNERS, LLC.	$91.7M	2,234,814

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Is ACIW a good stock to buy?

13F Pro's AI-powered analysis of ACI WORLDWIDE, INC. (ACIW) draws on SEC EDGAR-sourced fundamentals, institutional 13F holdings, and insider Form 4 transactions in the Technology sector (listed on Nasdaq). The 32-signal AI Quality Score, current rank, and full bull/bear verdict for ACIW are available on the ACIW stock profile dashboard — with the same data, AI insights, ratios, and institutional activity refreshed after every 10-K, 10-Q, 13F, and Form 4 filing.

Which hedge funds own ACIW?

Institutional investors are required to disclose their holdings quarterly via SEC Form 13F. 13F Pro aggregates these filings to show which hedge funds, mutual funds, and asset managers are buying or selling ACIW. Combined with insider transaction data from Form 4 filings and AI-powered analysis from 10 specialized research agents, 13F Pro provides a comprehensive view of ACI WORLDWIDE, INC.'s investment landscape.