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ACI Worldwide, Inc. Stock: price and insider trades · United States
No insider purchase over the last 90 days. The latest was filed 04 Mar 2026.
ACI Worldwide, Inc.: what insiders have been doing
This page follows insider dealings at ACI Worldwide, Inc. as filed with SEC (Form 4), a company from the Technology sector based in Miami, Ireland. The group dates from 1975. Over the twelve months to 18 October 2026, 48 filings were filed, from 13 insiders.
Purchases and sales both appear in the filings: 2 purchases (2 insiders, €191k) and 1 sale (1 insider, €174k). Purchases outweigh sales by €17k. Open-market purchases are the filings investors watch most closely, because the insider pays for the shares out of pocket. The buyers include 2 senior executives. Kuruvilla Abraham filed the largest sale, €174k, on 12 November 2025.
The data flag 2 purchases as part of a group of insiders buying within 30 days of each other. Purchases made close together by different insiders form what is called a cluster. The last purchase on record was published on 4 March 2026, which is 228 days ago. The median gap between a trade and its publication by SEC (Form 4) is 2 days. Section 16 rules allow two business days to file each Form 4.
With 48 filings in twelve months, the company is more active than the median of 19 filings across the 5,811 companies we follow on the same exchange. The full history, which starts in 2021, counts 7 purchases against 17 sales. On the fundamentals side, the SEC filing (10-K) for the period ending 31 December 2025 lists revenue at 1.76 bn USD and net income at 226.7 m USD.
For comparison within the same sector, see the insider buying recorded at Core Scientific, Inc./tx and Gitlab Inc. Every figure here comes from the filings published by SEC (Form 4) and describes the past, not future prices; it is not investment advice.
Insider Decl.
224
Thresholds
n/a
Buy Volume
€2M
7 ops. · all time
Sell Volume
€6M
17 ops. · all time
Who traded when
BuySaleAdalio T. Sanchez1 buy1 sale
Abraham Kuruvilla1 sale
CHARLES E. PETERS Jr.1 sale
Janet O. Estep1 sale
Juan Benitez II1 buy
Mary P. Harman1 sale
+1 other insider
Since the insiders bought
- -3.0%Entry US$42.86 · Close at T+90 US$41.56
- -3.0%Entry US$42.86 · Close at T+90 US$41.56
- -17.0%Entry US$49.16 · Close at T+365 US$40.81
Entry is the close on the day after publication, the first price a reader could act on. Prices in the listing currency. Past moves are not a forecast.
Analyst consensus: bullish or bearish?
Analysts rate ACI Worldwide, Inc. Strong Buy (bullish), based on 3 analysts. Average price target: US$67.33.
This score ranks the purchase within its own market. A position size is suggested only on the venues of the backtested strategy universe; elsewhere, signals stay on watch. Not investment advice.
Fundamental score
Ranked 6,570 of 24,148 companies
63.0
score / 100
Value57
Quality70
FCF yld5.5%
Earn yld4.3%
EV/EBITDA13.1x
ROE16%
Gross mgn49%
Net mgn13%
Debt/EBITDA1.8x
Pillars2/3
Transparent value + quality ranking, distinct from the insider signal.
Financial data
as of FY 2025FY ended December 2025 · cache
US$52.55
Analyst consensus
3 analystsStrong buy
US$66.00Target US$67.33(+28%)US$70.00
Income statement
RevenueUS$1.8B
Gross profitUS$862.1M49% margin
EBITDAUS$471.2M27% margin
Net incomeUS$226.7M12.4% margin
Valuation
PER (trailing)24.0x
PER (forward)13.4x
P/Book3.6x
Beta0.99
Balance sheet & cash
Market capUS$5.3B
Total debtUS$849.1M
Free Cash FlowUS$289.5M
Debt / Equity58%
Profitability & ownership
ROE15.6%
ROA7.0%
% insiders1.2%
% institutions105.1%
Last declaration on 25 September 2026
Declarations224 total
3,176 shares@ US$49.620.0032% mcap31.8% of flowCommon StockSEC:0002080452-26-000013:0
136 shares@ US$52.950.0001% mcap3.8% of flowCommon StockSEC:0001322076-26-000009:0
667 shares@ US$52.950.0007% mcap18.7% of flowCommon StockSEC:0001322076-26-000009:1
963 shares@ US$52.950.0010% mcap26.9% of flowCommon StockSEC:0001322076-26-000009:2
385 shares@ US$52.950.0004% mcap3.4% of flowCommon StockSEC:0002063900-26-000014:0
765 shares@ US$52.950.0008% mcap6.8% of flowCommon StockSEC:0002063900-26-000014:1
724 shares@ US$52.950.0008% mcap6.4% of flowCommon StockSEC:0002063900-26-000014:2
1,905 shares@ US$52.950.0020% mcap19.9% of flowCommon StockSEC:0002080452-26-000011:0
2,454 sharesCommon StockSEC:0002080452-26-000009:0
133 shares@ US$42.360.0001% mcap3.0% of flowCommon StockSEC:0001322076-26-000006:0
654 shares@ US$42.360.0005% mcap14.6% of flowCommon StockSEC:0001322076-26-000006:1
1,003 shares@ US$42.800.0007% mcap22.7% of flowCommon StockSEC:0001322076-26-000006:2
383 shares@ US$42.360.0003% mcap2.7% of flowCommon StockSEC:0002063900-26-000012:0
760 shares@ US$42.360.0006% mcap5.4% of flowCommon StockSEC:0002063900-26-000012:1
739 shares@ US$42.800.0005% mcap5.3% of flowCommon StockSEC:0002063900-26-000012:2
1,289 shares@ US$42.800.0009% mcap10.9% of flowCommon StockSEC:0002080452-26-000007:0
5,720 shares0Common StockSEC:0001201242-26-000002:0
5,720 shares0Common StockSEC:0001324478-26-000002:0
5,720 shares0Common StockSEC:0001605146-26-000002:0
5,720 shares0Common StockSEC:0001641407-26-000004:0
5,720 shares0Common StockSEC:0001831993-26-000002:0
5,720 shares0Common StockSEC:0001853615-26-000002:0
5,720 shares0Common StockSEC:0002014043-26-000004:0
5,720 shares0Common StockSEC:0002068409-26-000013:0
8,075 shares@ US$45.030.0064% mcap6.4% of flowCommon StockSEC:0001384334-26-000008:0
25 of 224 declarations
About ACI Worldwide, Inc.
ACI Worldwide, Inc. (ticker ACIW) is a U.S.-based payments software company listed on the NASDAQ Global Select Market in the United States. For French, Belgian and Swiss investors, the company is best understood as a mission-critical infrastructure vendor in digital payments rather than a consumer-facing fintech. Its headquarters are in Elkhorn, Nebraska, in the Omaha area, and management highlights more than 50 years of payments expertise. The company focuses on software that helps banks, merchants and billers process, orchestrate and secure real-time payments. ([aciworldwide.com](https://www.aciworldwide.com/wp-content/uploads/2025/12/ACI-Worldwide-2024-Annual-Report.pdf))
ACI’s business model is anchored in complex, highly regulated payment workflows. The company serves three core customer groups: banks, merchants and billers. Its software is embedded deep in clients’ transactional environments, which tends to support recurring revenue, high switching costs and long customer relationships. ACI describes its offering as transformative software for intelligent payments orchestration in real time, enabling customers to modernize payment infrastructure while improving speed, reliability and security. ([investor.aciworldwide.com](https://investor.aciworldwide.com/news-releases/news-release-details/aci-worldwide-acquires-european-fintech-payment-components))
Read moreShow less
Operationally, ACI’s business is organized around Payment Software and Biller. Within Payment Software, the company addresses real-time payments, issuing and acquiring, payments orchestration and fraud prevention. The Biller business provides bill payment and related customer payment solutions. The 2024 annual report shows meaningful revenue contribution from Banks, Billers and Merchants, which confirms that ACI is exposed to multiple parts of the payments value chain rather than a single niche. ([aciworldwide.com](https://www.aciworldwide.com/wp-content/uploads/2025/12/ACI-Worldwide-2024-Annual-Report.pdf))
From a competitive standpoint, ACI stands out as a specialist with a global footprint and a broad installed base in bank-grade payment environments. The company emphasizes localized support across the Americas, Europe, the Middle East, Africa and Asia Pacific, which is important in an industry where payments are shaped by local network rules, regulatory frameworks and settlement infrastructures. Its competitive edge comes from domain depth, product breadth and the ability to modernize legacy payment stacks without forcing clients to rip and replace core systems. ([aciworldwide.com](https://www.aciworldwide.com/wp-content/uploads/2025/12/ACI-Worldwide-2024-Annual-Report.pdf))
Key products and platforms include ACI Connetic, ACI Payments Orchestration, ACI Speedpay and ACI Fraud Management. These products support instant and account-to-account payments, card processing, bill payment, and fraud prevention. In 2025, ACI expanded its platform through the acquisition of Payment Components, which adds AI-powered financial messaging and Open Banking capabilities. In March 2026, the company launched ACI Connetic for Cards, a cloud-native cards suite within its unified payments hub, reinforcing the strategy toward platform consolidation and cloud modernization. ([investor.aciworldwide.com](https://investor.aciworldwide.com/news-releases/news-release-details/aci-worldwide-acquires-european-fintech-payment-components))
Recent operating momentum has also been notable. ACI reported full-year 2025 double-digit revenue growth and, in Q1 2026, total revenue rose 8% year over year, with recurring revenue up 10%. Management highlighted strength in real-time payments and merchant activity, while the Biller segment continued to benefit from higher transaction volumes and new customer wins. Overall, ACI appears to be executing a multi-year transformation toward cloud-native, recurring, globally scalable payment software. ([investor.aciworldwide.com](https://investor.aciworldwide.com/news-releases/news-release-details/aci-worldwide-inc-reports-double-digit-revenue-growth-full-year))
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