ACIW's Quality Score rose 3 points on Mon, Nov 2, to 15.
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Up 3.4% today, while its tech peers are down 2.0%; no story names it yet.
Beats the market
Up 183% over three years while the S&P 500 rose 89%.
“The company expects full year 2026 growth for both new ARR and new license and services bookings.”
| The company | Free cash flow doubled |
| Latest filing | 10-Q, Aug 6 |
TodayNo story names it yet.
After its last 4 reports it closed +1.1% on average, higher 2 of 4 times.
Excellentfor quality, not price, 9 of 14 chart checks firingWhat the Quality Score means
Well above its recent run. ACIW scores 15 today, against a median of 7.5 over its last 20 recorded sessions.
ACIW is #28 of 271 by Quality Score.
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Net income over four quarters: ACIW $226M, SSNC $864M, QTWO $92.0M, NCNO $33.6M.
Reports Thu Nov 5, before the open (in 3 days). Confirmed.
What an earnings report is: every 3 months, a company tells everyone how much it sold and earned. We read the figures, the outlook, and how the stock moved after.
The figures are not read from the release yet.
“Real-Time Payments revenue was $23 million, down from last year due to renewal timing.”
ACIW's results filing gives no sales by line in a table we read.
| Measure | Figure |
|---|---|
| Revenue | $1.895B to $1.925B |
“Biller revenue, net of interchange fees, was $68 million, down 3%, from Q2 2025, driven by a strong comparison with significant new onboarding and transactions in the same period last year, as previously discussed.”
From its results filing (SEC filing · Aug 6)
Sales grew 6.3% a year over 5 years, fiscal 2020 to 2025.
Its share count fell 2.4% a year over 5 years.
| Reported | Gap | Reaction | 5 sessions |
|---|---|---|---|
| Aug 6, 2026 | -8.5% | -4.5% | -8.7% |
| May 7, 2026 | +9.3% | +7.8% | -5.7% |
| Feb 26, 2026 | -3.0% | -4.0% | +2.3% |
Sales grew every year from 2018 to 2025, to $1.8B. It made a profit in each of the eight years.
One trade disclosed in the last six months. The newest:
Officers and directors with a Form 4 in the last 12 months.
In ETFs: ACIW is under 0.1% of FTEC, under 0.1% of VGT, and under 0.1% of VTI, the most of the 24 funds Breakaway covers, by each fund's latest filing, Jun 30 to Aug 31, 2026.
ACI Worldwide Inc develops, markets, and installs a portfolio of software products focused on facilitating electronic payments. The firm's products are sold and supported directly and through distribution networks covering three geographic regions - the Americas, EMEA, and Asia Pacific. ACI software products process payment transactions for retail banking clients, billers such as utilities and healthcare providers, and community banks and credit unions. ACI's customers are financial institutions all over the world, but the majority of the revenue is generated in the United States and EMEA regions. The company's operating segment includes Payment Software and Biller. The company generates the majority of its revenue from the Payment Software segment.
“The digital payments market is highly competitive and subject to rapid change.”
ACIW scores 15 today, which Breakaway calls Excellent. It is #28 of 271 in Software by Quality Score, with 9 of 14 chart checks firing. Up 183% over three years while the S&P 500 rose 89%. Breakaway does not say whether to buy any stock: the score does not know your situation, and it is not a recommendation to buy or sell anything. Please do your own research.
ACIW scores 15 today, which Breakaway calls Excellent (15 to 19). That is #28 of 271 in Software by Quality Score. The score adds up the chart checks, the trend, the company's filed sales, its profits, the news, insider trades, and Congress trades. The section above lists the lines behind ACIW's 15.
Reports Thu Nov 5, before the open, a date the company confirmed. ACIW closed higher after 2 of its last 4 reports. Past behavior, not a forecast.
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