ACIW Stock Analysis: Buy, Sell, or Hold?

ACIW - ACI Worldwide, Inc.

SERVICES-PREPACKAGED SOFTWARE
$51.86
0.29 (0.56%) ▲
5d: -2.96%
30d: -4.9%
90d: +21.97%
BUY
HIGH Confidence
Analysis Updated: Aug 21, 2026 12:00 AM ET
Earnings: Aug 06, 2026 0d

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Interactive Price Chart (1 Month)

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💡
Bottom Line:
✅ BUY SIGNAL: ACIW shows strong fundamentals and good volume confirmation. Solid entry point despite oversold pricing.
See Forward Earnings Fair Value & Price Prediction →

Long-Term Wealth Forecast (2031)

Based on Analyst Consensus Growth & Historical Valuation

0% (Stagnation) 50% (Hyper Growth)
EST. PRICE IN 2031
$65.65
Based on 6.2% avg growth
INTRINSIC VALUE TODAY
$40.76
Trading above historical range

How this is calculated: We use a Growth Decay Model: starting with analyst consensus growth (adjusted above) and gradually slowing it down to a long-term terminal rate (4%) by Year 5. This provides a more realistic valuation than assuming constant hyper-growth. We then apply a 12.5x Exit PE.

In-depth Analysis How we analyze

Valuation Analysis: ACIW is currently trading at $51.86, which is considered oversold relative to its 30-day fair value range of $52.81 to $58.04. The stock's valuation (Forward PE: 13.3) is in line with its historical norms (12.5). At these levels, the market is pricing in 2.1% annual earnings growth. This growth rate appears achievable given the company's track record, suggesting the valuation is rational.

Technical Outlook: Technically, ACIW is in a strong uptrend. The price is currently testing key support at $51.31. A bounce from this level would confirm strength, while a break below could signal further downside.

Market Sentiment: ACIW scores 70/100 on our bottoming-setup gauge — the chart has corrected and is stabilizing (RSI reset, momentum turning up), historically a favorable entry zone. Wall Street analysts see significant upside, with an average price target of $67.33 (+29.8%). Combining these factors, the current setup offers a favorable risk/reward ratio for buyers.

Quick Decision Summary

Current Position OVERSOLD
Historical Trading Range $52.81 - $58.04
Company Quality Score 55/100 (HOLD)
Volume Confirmation HIGH
Confidence Score 91.4%

All Signals

  • BULLISH: Price oversold vs 30-day range
  • BULLISH: Strong technical setup (70/100)
  • BULLISH: High volume confirmation
  • BULLISH: Trading 29.8% below Wall St target ($67.33)
  • NEUTRAL: Market pricing in 2.1% annual earnings growth - fairly valued
  • BULLISH: Bottoming setup score 70/100 — corrected, stabilizing, and turning up

Trading Range Analysis

30-Day Trading Range $52.81 - $58.04
Current vs Trading Range OVERSOLD

Support & Resistance Levels

Support Level $51.31
Resistance Level $54.13
Current Trend Strong Uptrend
Technical data as of Aug 21, 2026

Fundamental Context

Forward P/E (Next Year Est.) 13.33
Wall Street Target $67.33 (+29.8%)
Revenue Growth (YoY) 7.3%
Earnings Growth (YoY) 165.2%
Profit Margin 12.4%
Valuation Premium vs History +2.1% premium
PE vs Historical 13.3 vs 12.5 FAIR
Market-Implied Price Targets If current PE multiple persists
Implied Growth (YoY): +2.1% (market-implied from PE analysis)
1-Year Target $52.95 (+2%)
2-Year Target $54.06 (+4%)
3-Year Target $55.20 (+6%)
3-Yr Target (if PE normalizes) (PE: 13→13) PE COMPRESSION $51.75 (0%)
Earnings growth offset by PE compression
3-Year Scenarios Using analyst projected EPS growth
Bull: (PE: 20.1, Growth: 8.4%) $99.33 (+92%)
Base: (SPY PE: 13.3, Growth: 8.4%) $65.98 (+27%)
Bear: (PE: 11.3, Growth: 8.4%) $56.08 (+8%)
📈 Valuation based on Current Earnings
RECOVERY PLAY: Stock looks expensive now (24x PE), but valuation improves significantly next year (13x PE) as earnings recover.
Trailing PE: 23.88 | Current EPS (TTM): $2.16
Bull Case $102.16 (+97%)
Analyst growth 80.1%, PE expands to 26.3
Base Case $92.87 (+79%)
Market implied 80.1%, PE stable at 23.9
Bear Case $35.07 (-32%)
Severe decline -20.0%, PE contracts to 20.3
These are projections based on PE multiples and EPS growth scenarios, not predictions. Actual results may vary significantly.
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Last updated: August 23, 2026 6:26 PM ET
Data refreshes hourly during market hours. Next update: 7:26 PM
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Ticker Score Recommendation Change %
Technical Signals Check
Insider Activity (6 Months)
2
Buys
0
Sells
+
Net
INSIDERS BUYING
Recent Transactions
Juan Benitez II BUY 2400 shares 2026-03-03
Adalio T Sanchez BUY 3000 shares 2026-03-02

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