ACI Worldwide (FRA:TSA) Moat Score: 6/10 (As of Aug. 20, 2026)

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FRA:TSA ACI Worldwide Inc FRA:TSA
82 GF Score
Price €44.60
GF Value €43.99
Valuation Fairly Valued
! 2 Warning Signs
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What is ACI Worldwide Moat Score?

ACI Worldwide FRA:TSA -0.45% 82 Moat Score is 6 as of Aug. 20, 2026. 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 2,831 Software companies, ACI Worldwide ranks better than 97.88% on this metric.

ACI Worldwide has the Moat Score of 6, which implies that the company might have Narrow Moat - Strong narrow moat, clearly distinguishable but not wide.

ACI Worldwide has Narrow Moat: ACI Worldwide Inc has a strong narrow moat with significant customer switching costs and a robust network effect in the payment processing industry. Its established market position and consistent innovation support its competitive advantage, though not enough for a wide moat.

Moat Score is a ranking system developed by GuruFocus to assess a company's ability to sustain a competitive advantage, rated on a scale from 0 to 10. It takes into account key factors such as market leadership, cost advantages, network effects, customer switching costs, and more.

The company's Moat Score is based on these criteria:

1. Market leadership and sustainable market share
2. Network effects and significant customer switching costs
3. Valuable intellectual property and patents
4. Strong brand strength and deep customer loyalty
5. Durable cost advantages (e.g., economies of scale, proprietary technology)
6. Significant regulatory barriers and exclusive licenses
7. Superior distribution network
8. Strong and sustainable pricing power
9. Consistent and impactful innovation and R&D capabilities

Based on the research, GuruFocus believes ACI Worldwide might have Narrow Moat - Strong narrow moat, clearly distinguishable but not wide.

ACI Worldwide  (FRA:TSA) Moat Score Explanation

The Moat Score ranges from 0 to 10, with 10 as the highest. GuruFocus divided Moat Score into following 8 categories:

Moat Score Moat Level
10Wide Moat - Exceptionally dominant and durable wide moat
8 - 9Wide Moat - Clear and robust wide moat
7Wide Moat - Entry-level wide moat, clearly possessing durable advantages
6Narrow Moat - Strong narrow moat, clearly distinguishable but not wide
5Narrow Moat - Solid narrow moat
4Narrow Moat - Discernible but modest moat
1 - 3No Moat - Very weak/transient advantages
0No Moat - No discernible moat

ACI Worldwide Moat Score Related Terms

FRA:TSA vs PATH, DOX, WEX: Moat Score Comparison

For the Software - Infrastructure subindustry, ACI Worldwide's Moat Score, along with its competitors' market caps and Moat Score 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 Moat Score vs Software Industry

For the Software industry and Technology sector, ACI Worldwide's Moat Score distribution charts can be found below:

* The bar in red indicates where ACI Worldwide's Moat Score falls into.


FRA:TSA
82GF Score
ACI Worldwide Inc FRA:TSA
Moat Score is just one metric. See GF Score™, valuation, warning signs, and more.
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Frequently Asked Questions Learn more about Moat Score →
What does a Moat Score of 6 mean?
ACI Worldwide (FRA:TSA) has a Moat Score of 6 as of Aug. 20, 2026. Moat Score is a ranking system developed by GuruFocus to assess a company's ability to sustain a competitive advantage, rated on a scale from 0 to 10. It takes into account key factors such as market leadership, cost advantages, network effects, customer switching costs, and more. According to the industry distribution chart, ACI Worldwide ranks #60 out of 2831 companies in the Software industry, placing it in the top 2.1%.
Is ACI Worldwide's Moat Score too high?
ACI Worldwide's current Moat Score is 6. Based on the distribution chart, ACI Worldwide ranks #60 out of 2831 companies in the Software industry, which is in the top quartile — a strong position relative to peers. 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 Moat Score compare to PATH and DOX?
According to the Software industry distribution chart, ACI Worldwide ranks #60 out of 2831 companies for Moat Score. This places ACI Worldwide in the top 2% of its industry — outperforming the majority of peers. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good Moat Score for a Software company?
A good Moat Score depends on the Software industry context. However, Moat Score should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Use the industry distribution chart on this page to see where any company falls relative to its peers.
What does a high Moat Score mean?
A high Moat Score can signal that a stock is expensive relative to its fundamentals. Moat Score is a ranking system developed by GuruFocus to assess a company's ability to sustain a competitive advantage, rated on a scale from 0 to 10. It takes into account key factors such as market leadership, cost advantages, network effects, customer switching costs, and more. ACI Worldwide's current Moat Score is 6. 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 Moat Score is 6. 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 Moat Score calculated?
Moat Score is calculated from a company's financial statements. For ACI Worldwide (FRA:TSA), the current Moat Score is 6 as of Aug. 20, 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:

  • Moat Score: 6
  • GF Value™: €43.99 vs. price of €44.60 (1.4% above fair value)
  • GF Score™: 82/100 with 2 warning signs

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 Business Description

Other Exchanges ACIW:USA
Address 6060 Coventry Drive, Elkhorn, NE, USA, 68022-6482
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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Moat Score is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.

€44.60
Price
€43.99
GF Value