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ACI WorldwideFRA:TSA -0.45%82 Return-on-Tangible-Equity is 216.27% as of Jun. 2026, which is 98% below its 10-year median of 13,348.53. 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 2,485 Software companies, ACI Worldwide ranks better than 90.95% on this metric.
Return-on-Tangible-Equity is calculated as Net Income divided by its average total shareholder tangible equity. Total shareholder tangible equity equals to Total Stockholders Equity minus Intangible Assets. ACI Worldwide's annualized net income for the quarter that ended in Jun. 2026 was €110 Mil. ACI Worldwide's average shareholder tangible equity for the quarter that ended in Jun. 2026 was €51 Mil. Therefore, ACI Worldwide's annualized Return-on-Tangible-Equity for the quarter that ended in Jun. 2026 was 216.27%.
The historical rank and industry rank for ACI Worldwide's Return-on-Tangible-Equity or its related term are showing as below:
FRA:TSA'
s Return-on-Tangible-Equity Range Over the Past 10 Years
Min: 897.1 Med: 13348.53 Max: 13348.53
Current: 897.1
During the past 13 years, ACI Worldwide's highest Return-on-Tangible-Equity was 13,348.53%. The lowest was 897.10%. And the median was 13,348.53%.
FRA:TSA's Return-on-Tangible-Equity is ranked better than 90.95% of 2485
companies
in the Software industry
Industry Median: 9.79
vs FRA:TSA: 897.10
Return-on-Tangible-Equity measures the rate of return on the ownership interest (shareholder's tangible equity) of the common stock owners. It measures a firm's efficiency at generating profits from every unit of shareholders' tangible equity (shareholders equity minus intangibles). Return-on-Tangible-Equity shows how well a company uses investment funds to generate earnings growth. Return-on-Tangible-Equitys between 15% and 20% are considered desirable.
Be Aware
Net Income is used.
Because a company can increase its Return-on-Tangible-Equity by having more financial leverage, it is important to watch the leverage ratio when investing in high Return-on-Tangible-Equity companies. Like Return-on-Tangible-Asset, Return-on-Tangible-Equity is calculated with only 12 months data. Fluctuations in company's earnings or business cycles can affect the ratio drastically. It is important to look at the ratio from a long term perspective.
Asset light businesses require very few assets to generate very high earnings. Their Return-on-Tangible-Equitys can be extremely high.
ACI Worldwide Return-on-Tangible-Equity Related Terms
ACI Worldwide Return-on-Tangible-Equity Historical Data
* Premium members only.
The historical data trend for ACI Worldwide's Return-on-Tangible-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: Return-on-Tangible-Equity Comparison
For the Software - Infrastructure subindustry, ACI Worldwide's Return-on-Tangible-Equity, along with its competitors' market caps and Return-on-Tangible-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 Return-on-Tangible-Equity vs Software Industry
For the Software industry and Technology sector, ACI Worldwide's Return-on-Tangible-Equity distribution charts can be found below:
* The bar in red indicates where ACI Worldwide's Return-on-Tangible-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.
In the calculation of annual Return-on-Tangible-Equity, the net income of the last fiscal year and the average total shareholder tangible equity over the fiscal year are used. In calculating the quarterly data,
the net income data used here is four times the quarterly (Jun. 2026) net income data.
Return-on-Tangible-Equity is displayed in the 10-year financial page.
What does a Return-on-Tangible-Equity of 216.27% mean?
ACI Worldwide (FRA:TSA) has a Return-on-Tangible-Equity of 216.27% as of Jun. 2026. Return on tangible equity is the ratio of current-period net income to average two-period tangible equity. View historical data on ACI Worldwide and its competitors. This is 98% below median its historical median of 13,348.53. Over the past decade, ACI Worldwide's Return-on-Tangible-Equity has ranged from 897.10 to 13,348.53. According to the industry distribution chart, ACI Worldwide ranks #225 out of 2485 companies in the Software industry, placing it in the top 9.1%.
Is ACI Worldwide's Return-on-Tangible-Equity too high?
ACI Worldwide's current Return-on-Tangible-Equity of 216.27% is 98% below median its 10-year median of 13,348.53. Over the past 10 years, this metric has ranged from a low of 897.10 to a high of 13,348.53. The Software industry median Return-on-Tangible-Equity is 9.79. ACI Worldwide's value of 216.27% is 2109.1% above this industry median. Based on the distribution chart, ACI Worldwide ranks #225 out of 2485 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 Return-on-Tangible-Equity compare to PATH and DOX?
According to the Software industry distribution chart, ACI Worldwide ranks #225 out of 2485 companies for Return-on-Tangible-Equity. This places ACI Worldwide in the top 9% of its industry — outperforming the majority of peers. The industry median Return-on-Tangible-Equity is 9.79. ACI Worldwide's value of 216.27% is 2109.1% above this benchmark. Historically, ACI Worldwide's own Return-on-Tangible-Equity has ranged from 897.10 to 13,348.53 over the past decade. While the company's 10-year median is 13,348.53 vs. the industry median of 9.79, 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 Return-on-Tangible-Equity for a Software company?
The median Return-on-Tangible-Equity among Software companies is 9.79, based on 2,485 companies in the industry. Companies in the top quartile (top 25%) have a Return-on-Tangible-Equity significantly above this median, while those in the bottom quartile fall well below. However, Return-on-Tangible-Equity should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. ACI Worldwide's current Return-on-Tangible-Equity of 216.27% is 2109.1% 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 Return-on-Tangible-Equity mean?
A high Return-on-Tangible-Equity can signal that a stock is expensive relative to its fundamentals. Return on tangible equity is the ratio of current-period net income to average two-period tangible equity. View historical data on ACI Worldwide and its competitors. For the Software industry, the median Return-on-Tangible-Equity is 9.79 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. ACI Worldwide's current Return-on-Tangible-Equity is 216.27%, which is 98% below median its own 10-year median of 13,348.53. 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 Return-on-Tangible-Equity is 216.27%, which is 98% below median its 10-year median of 13,348.53 and 2109.1% above the Software industry median of 9.79. 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 Return-on-Tangible-Equity calculated?
Return-on-Tangible-Equity is calculated from a company's financial statements. For ACI Worldwide (FRA:TSA), the current Return-on-Tangible-Equity is 216.27% 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:
Return-on-Tangible-Equity: 216.27% (98% below median its 10-year median of 13,348.53)
GF Value™: €43.99 vs. price of €44.60 (1.4% above fair value)
Industry Position: 2109.1% above the Software median (#225 of 2485)
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
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