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/company/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/company/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.

What drives ACIW's revenue?

Per ACI WORLDWIDE, INC.'s latest 10-Q filed with the SEC on 2026-08-06, the biggest revenue drivers are: Software as a Service and Platform as a Service ($284.8M, +5% YoY); License ($68.8M, +21% YoY); Maintenance ($51.6M, +2% YoY). Figures are extracted from the filing text and machine-verified against the document. Full breakdown at https://13fpro.ai/company/ACIW.

What are ACIW's largest expenses?

ACI WORLDWIDE, INC.'s latest 10-Q reports these as the largest expense items: Cost of revenue ($248.9M, +6% YoY); Research and development ($47.9M, +17% YoY); Selling and marketing ($30.6M, +6% YoY). Sourced directly from SEC EDGAR filing text for Q2 FY2026 (quarter ended June 30, 2026).

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

66.3/100

Rank #426 of 2,961 stocksTOP 25%

View Technology peers →

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

Revenue Growth

71.3/100

Profitability

63.5/100

Balance Sheet

78.2/100

Earnings Quality

56.5/100

Free Cash Flow

68.6/100

Institutional Flow

67.0/100

Revenue Scale

61.2/100

Dilution Risk

27.8/100

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Why ACIW Scores 66/100

exact factor attribution · 2026-09-11

ACIW's composite is driven by revenue growth and capital efficiency, held back by shareholder dilution. Bars show each factor's exact push vs. a median company, using the same weights the ranking engine applies.

Revenue growth

+4.3 pts

71th pct

Capital efficiency

+2.8 pts

78th pct

Free cash flow

+2.8 pts

69th pct

Earnings growth

+2.3 pts

97th pct

Profitability

+2.0 pts

64th pct

Scale

+1.7 pts

61th pct

Institutional flow

+0.8 pts

67th pct

Earnings quality

+0.7 pts

57th pct

Shareholder dilution

-1.1 pts

28th pct

Latest change (2026-08-09): 66 → 62 · ↓ Revenue growth 74→49

Factor percentiles are cross-sectional ranks across the ~2,800-stock scored universe, computed from SEC EDGAR filings. Not investment advice.

ACIW Stock Analysis & AI Quality Score

Data updated 2026-09-11

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 66.3/100 on a 32-signal composite quality model, placing it at rank #426 of 2,961 stocks — the top 25% of the AI-ranked universe. ACIW scores in the top quartile across balance sheet strength (78.2). Shareholder dilution risk is elevated at 27.8/100, 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, free cash flow of $63.9M. 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 36 and 73 since 2021, currently 66.3 — an improving long-term trajectory across 68 quarterly and live scoring snapshots.

✦

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

✓ 22/22 datapoints verified

AI-extracted from ACI WORLDWIDE, INC.'s 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 →Share on X

Revenue

Q2 2026

$430.4M

Net Income

Q2 2026

$31.8M

Free Cash Flow

Q2 2026

$63.9M

ROIC

Q2 2026

7.6%

D/E Ratio

Q2 2026

0.58

Period

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

Free Cash Flow

-9.7% YoY

$309.9MFY 2025

FY22 $130.3MFY23 $159.6MFY24 $343.3MFY25 $309.9M

Metric	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021	FY 2020
Revenue	$1.76B +10.4%	$1.59B +9.8%	$1.45B +2.2%	$1.42B +3.7%	$1.37B +5.9%	$1.29B
Net Income	$226.7M +11.6%	$203.1M +67.2%	$121.5M -14.5%	$142.2M +11.3%	$127.8M +75.9%	$72.7M
Operating Income	$329.9M +7.1%	$308.1M +39.8%	$220.4M +8.1%	$203.8M -2.9%	$209.9M +45.0%	$144.7M
EPS (Diluted)	$2.16 +13.1%	$1.91 +70.5%	$1.12 -9.7%	$1.24 +14.8%	$1.08 +74.2%	$0.62
Total Assets	$3.10B +2.6%	$3.03B -12.2%	$3.44B +7.3%	$3.21B +1.6%	$3.16B -6.7%	$3.39B
Total Debt	$858.5M -10.5%	$959.5M -13.7%	$1.11B -3.7%	$1.16B +3.9%	$1.11B -6.5%	$1.19B
Operating Cash Flow	$322.8M -10.0%	$358.7M +112.9%	$168.5M +17.5%	$143.4M -35.0%	$220.5M -30.0%	$314.9M
Free Cash Flow	$309.9M -9.7%	$343.3M +115.1%	$159.6M +22.5%	$130.3M -34.8%	$199.9M -32.7%	$297.1M

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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.
$823.8M16,381,401 sh
VANGUARD PORTFOLIO MANAGEMENT LLC
$408.0M8,112,057 sh
FRANKLIN RESOURCES INC
$336.7M6,695,164 sh
FMR LLC
$329.2M6,545,875 sh
VANGUARD CAPITAL MANAGEMENT LLC
$230.7M4,586,998 sh
STATE STREET CORP
$215.9M4,294,891 sh
GEODE CAPITAL MANAGEMENT, LLC
$171.0M3,398,962 sh
DIMENSIONAL FUND ADVISORS LP
$158.7M3,155,479 sh
FULLER & THALER ASSET MANAGEMENT, INC.
$137.4M2,732,368 sh
North Reef Capital Management LP
$131.6M2,617,000 sh

Fund	Value	Shares
BlackRock, Inc.	$823.8M	16,381,401
VANGUARD PORTFOLIO MANAGEMENT LLC	$408.0M	8,112,057
FRANKLIN RESOURCES INC	$336.7M	6,695,164
FMR LLC	$329.2M	6,545,875
VANGUARD CAPITAL MANAGEMENT LLC	$230.7M	4,586,998
STATE STREET CORP	$215.9M	4,294,891
GEODE CAPITAL MANAGEMENT, LLC	$171.0M	3,398,962
DIMENSIONAL FUND ADVISORS LP	$158.7M	3,155,479
FULLER & THALER ASSET MANAGEMENT, INC.	$137.4M	2,732,368
North Reef Capital Management LP	$131.6M	2,617,000

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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. ACIW is classified as a mid company.

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.