ACIW logo

ACIW ACIW

UnknownUnknownN/A📅 Scored April 7, 2026
Price at analysis: $40.94
Crucible Score
72.4
B
Quality × Value Composite
KQI — Quality
70.7
B
Fundamental Quality Index
KVI — Value
74.5
B
Valuation Attractiveness Index
Crucible Verdict — ACIW

ACI Worldwide (ACIW) trades at a meaningful discount to its $49 fair value, supported by strong earnings execution with an 86% beat rate and solid diversification scores. The company's weak market position (58) stands out as the primary concern against otherwise decent fundamentals. Insider buying signals management confidence in the current valuation gap closing.

— Kal, Kaladin Capital Intelligence

◆ KQI Quality Dimensions

Financial Quality
69.6
Growth Profile
68.0
Moat Durability
75.1
Management Effectiveness⚠
67.3
Diversification & Resilience
80.0
Market Position
58.0
Weakest dimension: Market Position (58.0)

◆ KVI Value Dimensions

DCF Margin of Safety
70.0
FCF Yield & Cash Returns
79.3
Relative Valuation
83.8
Growth-Adjusted Value
59.3
Historical Valuation
81.6
Macro Context
87.9

◆ DCF Valuation Scenarios

Bear Case
$33.12
Base Case
$48.75
Bull Case
$70.18
Price at Analysis
$40.94
ScenarioFair ValueRev CAGR (5yr)Terminal MarginWACC
🔴 Bear$33.124.0%17.0%9.8%
🟢 Base$48.756.0%20.0%9.2%
🟢 Bull$70.188.0%23.0%8.6%
Key Assumptions: Revenue growth anchored to historical 5-year CAGR of ~6.5%, with bear assuming macro headwinds slow growth to 4% and margins compress toward 17%, while bull assumes cross-selling and recurring revenue mix shift drive 8% growth with margins expanding to 23%. WACC derived from CAPM with 5.5% ERP, yielding ~9.2% base case; capex intensity is very low at ~1.5% of revenue reflecting asset-light software model. D&A normalized lower given recent capex trends, and tax rate set at 24% reflecting blended historical effective rate excluding one-time items.

◆ Financial Snapshot

Profitability

Gross Margin49.0%
Operating Margin18.7%
Net Margin12.9%
ROIC10.0%
ROE9.7%

Balance Sheet

Balance SheetCR: 1.54
Cash ConversionFCF/EPS: 1.31x
Capital IntensityCapex/Rev: 0.7%
Altman Z-Score3.54 (Safe)
Piotroski F-Score7/9 (Good)

Growth

Revenue CAGR6.4% CAGR
Earnings CAGR15.4% CAGR
Growth ConsistencyCV: 1.10
Segment Breadth6/7 growing (86%)
Quarterly TrendMargin↑, WC↓
Earnings CredibilityConsistent Beater

◆ Analyst Consensus & Leadership

Leadership & Governance

CEO Ownership1.1%
Insider ActivityBuying
Capital AllocationROIC 10.0% vs WACC 5.2%
Earnings Beat Rate86% (18/22)

◆ Related Companies in Our Universe

Other Unknown companies scored by the Crucible:

ADBE81.8A-NICE80.7A-DECK79.9A-INTU79.9A-EXEL78.3A-MTCH78.2A-TTD78.0B+
MethodologyAll ScoresCrucible BriefsPerformance@KaladinCI

Analysis conducted April 7, 2026 based on most recent SEC filings. Updated quarterly, after new SEC filings.

Point-in-time fundamental analysis. Not investment advice. Scores reflect company quality and valuation at time of analysis and may not reflect current market conditions.

© 2026 Kaladin Capital Intelligence — Conviction Through Scrutiny