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ACI WorldwideACIW +0.09%82 3-Year EBITDA Growth Rate is 8.90% as of Jun. 2026, which is 30% below its 10-year median of 12.65. GuruFocus rates ACIW with a GF Score™ of 82/100 and a GF Value™ of $51.59 (Fairly Valued). The stock has 6 warning signs investors should review. Among 2,061 Software companies, ACI Worldwide ranks worse than 55.99% on this metric.
During the past 12 months, ACI Worldwide's average EBITDA Per Share Growth Rate was -0.80% per year.
During the past 3 years, the average EBITDA Per Share Growth Rate was 8.90% per year.
During the past 5 years, the average EBITDA Per Share Growth Rate was 10.20% per year.
During the past 10 years, the average EBITDA Per Share Growth Rate was 8.60% per year.
Please click Growth Rate Calculation Example (GuruFocus) to see how GuruFocus calculates Wal-Mart Stores Inc (WMT)'s revenue growth rate. You can apply the same method to get the average EBITDA per share growth rate.
During the past 13 years, the highest 3-Year average EBITDA Per Share Growth Rate of ACI Worldwide was 53.40% per year. The lowest was -26.90% per year. And the median was 12.65% per year.
EBITDA per Share is the amount of Earnings Before Interest, Taxes, Depreciation, and Amortization (EBITDA) per outstanding share of the company's stock.
Earnings Before Interest, Taxes, Depreciation, and Amortization (EBITDA) is what the company earns before it expenses interest, taxes, depreciation and amortization.
ACI Worldwide 3-Year EBITDA Growth Rate Related Terms
ACIW vs CORZ, RELY, VRNS: 3-Year EBITDA Growth Rate Comparison
For the Software - Infrastructure subindustry, ACI Worldwide's 3-Year EBITDA Growth Rate, along with its competitors' market caps and 3-Year EBITDA Growth Rate 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 3-Year EBITDA Growth Rate vs Software Industry
For the Software industry and Technology sector, ACI Worldwide's 3-Year EBITDA Growth Rate distribution charts can be found below:
* The bar in red indicates where ACI Worldwide's 3-Year EBITDA Growth Rate falls into.
This is the 3-year average growth rate of EBITDA per Share. The growth rate is calculated using exponential compounding based on the latest four year annual data.
Please click Growth Rate Calculation Example (GuruFocus) to see how GuruFocus calculates Wal-Mart Stores Inc (WMT)'s revenue growth rate. You can apply the same method to get the average EBITDA per share growth rate.
What does a 3-Year EBITDA Growth Rate of 8.90% mean?
ACI Worldwide (ACIW) has a 3-Year EBITDA Growth Rate of 8.90% as of Jun. 2026. 3-Year EBITDA Growth Rate is the 3-year average growth rate of EBITDA per share. View historical data for ACI Worldwide and its competitors. This is 30% below median its historical median of 12.65. According to the industry distribution chart, ACI Worldwide ranks #1154 out of 2061 companies in the Software industry, placing it in the top 56%.
Is ACI Worldwide's 3-Year EBITDA Growth Rate too high?
ACI Worldwide's current 3-Year EBITDA Growth Rate of 8.90% is 30% below median its 10-year median of 12.65. The Software industry median 3-Year EBITDA Growth Rate is 12.20. ACI Worldwide's value of 8.90% is 27% below this industry median. Based on the distribution chart, ACI Worldwide ranks #1154 out of 2061 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 3-Year EBITDA Growth Rate compare to CORZ and RELY?
According to the Software industry distribution chart, ACI Worldwide ranks #1154 out of 2061 companies for 3-Year EBITDA Growth Rate. This places ACI Worldwide in the lower half of its industry. The industry median 3-Year EBITDA Growth Rate is 12.20. ACI Worldwide's value of 8.90% is 27% below this benchmark. While the company's 10-year median is 12.65 vs. the industry median of 12.20, ACI Worldwide has consistently been below 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 3-Year EBITDA Growth Rate for a Software company?
The median 3-Year EBITDA Growth Rate among Software companies is 12.20, based on 2,061 companies in the industry. Companies in the top quartile (top 25%) have a 3-Year EBITDA Growth Rate significantly above this median, while those in the bottom quartile fall well below. However, 3-Year EBITDA Growth Rate should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. ACI Worldwide's current 3-Year EBITDA Growth Rate of 8.90% is 27% below 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 3-Year EBITDA Growth Rate mean?
A high 3-Year EBITDA Growth Rate can signal that a stock is expensive relative to its fundamentals. 3-Year EBITDA Growth Rate is the 3-year average growth rate of EBITDA per share. View historical data for ACI Worldwide and its competitors. For the Software industry, the median 3-Year EBITDA Growth Rate is 12.20 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. ACI Worldwide's current 3-Year EBITDA Growth Rate is 8.90%, which is 30% below median its own 10-year median of 12.65. 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 (ACIW) is currently considered Fairly Valued. The stock's GF Value™ is $51.59, compared to a current price of $52.95 — trading 2.6% above its estimated fair value. The current 3-Year EBITDA Growth Rate is 8.90%, which is 30% below median its 10-year median of 12.65 and 27% below the Software industry median of 12.20. ACI Worldwide's overall GF Score™ is 82/100 with 6 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is 3-Year EBITDA Growth Rate calculated?
3-Year EBITDA Growth Rate is calculated from a company's financial statements. For ACI Worldwide (ACIW), the current 3-Year EBITDA Growth Rate is 8.90% 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 (ACIW) Overvalued in 2026?
Based on GuruFocus' analysis, ACI Worldwide stock appears to be overvalued.
The current stock price of $52.95 is trading 2.6% above its estimated GF Value™ of $51.59.
GuruFocus considers ACI Worldwide to be Fairly Valued.
Key valuation signals for ACIW:
3-Year EBITDA Growth Rate: 8.90% (30% below median its 10-year median of 12.65)
GF Value™: $51.59 vs. price of $52.95 (2.6% above fair value)
Industry Position: 27% below the Software median (#1154 of 2061)
No single metric tells the full story. See the ACIW 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
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