Focused on building reliable datasets, financial models, and research tools for value-minded investors. Committed to turning complex data into practical guidance for value-investing and long-term wealth.
Dr. Charlie Tian is the founder and CEO of GuruFocus.com, a leading global investment research platform established in 2004. With a Ph.D. in physics, Dr. Tian transitioned from science to finance, applying a data-driven, disciplined approach to value investing.
ACI WorldwideFRA:TSA -0.45%82 Debt-to-Equity is 0.57 as of Jun. 2026, which is 37% below its 10-year median of 0.90. GuruFocus rates FRA:TSA with a GF Score™ of 82/100 and a GF Value™ of €43.99 (Fairly Valued). The stock has 2 warning signs investors should review. Among 2,247 Software companies, ACI Worldwide ranks worse than 73.52% on this metric.
A high debt to equity ratio generally means that a company has been aggressive in financing its growth with debt. This can result in volatile earnings as a result of the additional interest expense.
The historical rank and industry rank for ACI Worldwide's Debt-to-Equity or its related term are showing as below:
FRA:TSA'
s Debt-to-Equity Range Over the Past 10 Years
Min: 0.56 Med: 0.9 Max: 1.39
Current: 0.57
During the past 13 years, the highest Debt-to-Equity Ratio of ACI Worldwide was 1.39. The lowest was 0.56. And the median was 0.90.
FRA:TSA's Debt-to-Equity is ranked worse than 73.52% of 2247
companies
in the Software industry
Industry Median: 0.19
vs FRA:TSA: 0.57
Because a company can increase its ROE % by having more financial leverage, it is important to watch the leverage ratio when investing in high ROE % companies.
ACI Worldwide Debt-to-Equity Related Terms
ACI Worldwide Debt-to-Equity Historical Data
* Premium members only.
The historical data trend for ACI Worldwide's Debt-to-Equity can be seen below:
* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD. * For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.
FRA:TSA vs PATH, DOX, WEX: Debt-to-Equity Comparison
For the Software - Infrastructure subindustry, ACI Worldwide's Debt-to-Equity, along with its competitors' market caps and Debt-to-Equity data, can be viewed below:
* Competitive companies are chosen from companies within the same industry, with headquarter located in same country, with closest market capitalization; x-axis shows the market cap, and y-axis shows the term value; the bigger the dot, the larger the market cap. Note that "N/A" values will not show up in the chart.
ACI Worldwide Debt-to-Equity vs Software Industry
For the Software industry and Technology sector, ACI Worldwide's Debt-to-Equity distribution charts can be found below:
* The bar in red indicates where ACI Worldwide's Debt-to-Equity falls into.
* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD. * For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.
ACI Worldwide (FRA:TSA) has a Debt-to-Equity of 0.57 as of Jun. 2026. Debt-to-Equity ratio represents the ratio of total debt to total company equity. View historical data on ACI Worldwide and its competitors. This is 37% below median its historical median of 0.90. Over the past decade, ACI Worldwide's Debt-to-Equity has ranged from 0.56 to 1.39. According to the industry distribution chart, ACI Worldwide ranks #1652 out of 2247 companies in the Software industry, placing it in the top 73.5%.
Is ACI Worldwide's Debt-to-Equity too high?
ACI Worldwide's current Debt-to-Equity of 0.57 is 37% below median its 10-year median of 0.90. Over the past 10 years, this metric has ranged from a low of 0.56 to a high of 1.39. The Software industry median Debt-to-Equity is 0.19. ACI Worldwide's value of 0.57 is 200% above this industry median. Based on the distribution chart, ACI Worldwide ranks #1652 out of 2247 companies in the Software industry, which is below the industry midpoint. Overall, ACI Worldwide has a GF Score™ of 82/100 and is considered Fairly Valued, reflecting its overall financial health beyond just this single metric.
How does ACI Worldwide's Debt-to-Equity compare to PATH and DOX?
According to the Software industry distribution chart, ACI Worldwide ranks #1652 out of 2247 companies for Debt-to-Equity. This places ACI Worldwide in the lower half of its industry. The industry median Debt-to-Equity is 0.19. ACI Worldwide's value of 0.57 is 200% above this benchmark. Historically, ACI Worldwide's own Debt-to-Equity has ranged from 0.56 to 1.39 over the past decade. While the company's 10-year median is 0.90 vs. the industry median of 0.19, ACI Worldwide has consistently been above the industry average. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good Debt-to-Equity for a Software company?
The median Debt-to-Equity among Software companies is 0.19, based on 2,247 companies in the industry. Companies in the top quartile (top 25%) have a Debt-to-Equity significantly above this median, while those in the bottom quartile fall well below. However, Debt-to-Equity should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. ACI Worldwide's current Debt-to-Equity of 0.57 is 200% above the industry median. Use the industry distribution chart on this page to see where any company falls relative to its peers.
What does a high Debt-to-Equity mean?
A high Debt-to-Equity can signal that a stock is expensive relative to its fundamentals. Debt-to-Equity ratio represents the ratio of total debt to total company equity. View historical data on ACI Worldwide and its competitors. For the Software industry, the median Debt-to-Equity is 0.19 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. ACI Worldwide's current Debt-to-Equity is 0.57, which is 37% below median its own 10-year median of 0.90. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is ACI Worldwide stock overvalued right now?
Based on GuruFocus' analysis, ACI Worldwide (FRA:TSA) is currently considered Fairly Valued. The stock's GF Value™ is €43.99, compared to a current price of €44.60 — trading 1.4% above its estimated fair value. The current Debt-to-Equity is 0.57, which is 37% below median its 10-year median of 0.90 and 200% above the Software industry median of 0.19. ACI Worldwide's overall GF Score™ is 82/100 with 2 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is Debt-to-Equity calculated?
Debt-to-Equity is calculated from a company's financial statements. For ACI Worldwide (FRA:TSA), the current Debt-to-Equity is 0.57 as of Jun. 2026. GuruFocus calculates this using data sourced from SEC filings and annual reports. See the calculation section and 30-year financial data on this page for the full breakdown.
Is ACI Worldwide (FRA:TSA) Overvalued in 2026?
Based on GuruFocus' analysis, ACI Worldwide stock appears to be overvalued.
The current stock price of €44.60 is trading 1.4% above its estimated GF Value™ of €43.99.
GuruFocus considers ACI Worldwide to be Fairly Valued.
Key valuation signals for FRA:TSA:
Debt-to-Equity: 0.57 (37% below median its 10-year median of 0.90)
GF Value™: €43.99 vs. price of €44.60 (1.4% above fair value)
Industry Position: 200% above the Software median (#1652 of 2247)
No single metric tells the full story. See the FRA:TSA stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
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.
82GF Score
Get the complete analysis for FRA:TSA
Debt-to-Equity is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
Quick Browse
Personalize
Premium Gurus 
Create New Portfolio
FRA:TSA has been successfully added to your 
