ACIW vs CASS vs EVTC Stock Comparison

Aci Worldwide, Cass Information Systems and Evertec Prices as of Oct 26, 2026 Peers: Industry group
ACIW Aci Worldwide, Inc.
$55.68 +12.5% 1M +10.5% 1Y
Market cap
$5.55B
P/E
24.6x
Revenue (TTM)
$1.82B
Div. yield
–
Payment Processing Technology
3 wins
EVTC EVERTEC, Inc.
$30.93 +9.7% 1M -0.3% 1Y
Market cap
$1.88B
P/E
19.2x
Revenue (TTM)
$996.16M
Div. yield
0.01%
Payment Processing Technology
2 wins

Head to Head

12 decided of 12

Cass Information Systems leads on 7 of the 12 questions below (Cass Information Systems 7, Aci Worldwide 3, Evertec 2). Which ones matter depends on what you are buying for; a cheap multiple and slow growth often come together.

QuestionACIWCASSEVTCLeader
Larger companyMarket capitalisation $5.55B $695.03M $1.88B ACIW
Cheaper on earningsLower P/E, profitable companies only 24.6x 18.9x 19.2x CASS
Cheaper on forward earningsLower price / next fiscal year consensus EPS 20.1x 17.9x 7.4x EVTC
Faster revenue growthRevenue growth, trailing twelve months +7.0% +8.8% +12.4% EVTC
More profitableNet margin, trailing twelve months 12.4% 18.5% 9.8% CASS
Better return on capitalReturn on invested capital 10.8% 13.9% 7.8% CASS
Less leveragedLower net debt / EBITDA 1.9x -2.2x 3.0x CASS
Higher dividend yieldTrailing dividend yield 0.00% 0.02% 0.01% CASS
Better 1-year returnPrice return, last 12 months +10.5% +41.1% -0.3% CASS
Better 5-year returnAnnualised price return, 5 years +13.0%/yr +6.0%/yr -6.9%/yr ACIW
Less volatileAnnualised volatility, 1 year 35.0% 22.6% 41.5% CASS
Higher overall scoreMean of the five percentile scores vs peers 68/100 67/100 63/100 ACIW

Percentile Scorecard

ACIWCASSEVTC

Each axis is the mean percentile of its metrics against the company's industry group. 100 is the best in the group, 50 the middle.

Scores by Axis

AxisACIWCASSEVTC
Valuation 76 #25 of 99 81 #20 of 99 85 #16 of 99
Growth 69 #30 of 94 61 #37 of 94 55 #43 of 94
Profitability 80 #19 of 90 76 #22 of 90 83 #16 of 90
Financial Health 61 #42 of 105 58 #45 of 105 40 #63 of 105
Shareholder Returns 55 #28 of 61 58 #26 of 61 50 #31 of 61
Overall 68 67 63
  • ACIW ranked among 109 companies in Fintech
  • CASS ranked among 109 companies in Fintech
  • EVTC ranked among 109 companies in Fintech

Price Performance

Price return, split-adjusted, before dividends. Click a name to hide or show it.

Returns

PeriodACIWCASSEVTCSPY
1 month +12.5%+1.8%+9.7% -0.8%
3 months -3.8%+0.6%+1.4% +3.5%
6 months +28.4%+16.3%+3.3% +7.0%
Year to date +16.5%+32.7%+6.3% +12.2%
1 year +10.5%+41.1%-0.3% +13.0%
3 years +181.9%+48.3%-6.1% +86.3%
3 years, per year +41.3%+14.1%-2.1% +23.1%
5 years +84.2%+33.5%-29.9% +68.6%
5 years, per year +13.0%+6.0%-6.9% +11.0%
10 years +191.5%+33.8%+99.5% +258.0%
10 years, per year +11.3%+3.0%+7.2% +13.6%

Risk

MeasureACIWCASSEVTCSPY
Volatility, 1Y 35.0%22.6%41.5% 12.7%
Downside volatility, 1Y 36.6%21.2%45.4% 12.7%
Beta vs S&P 500, 1Y 0.350.290.65 1.00
Return / volatility, 1Y 0.301.82-0.01 1.02
Max drawdown, 5Y -44.2%-30.8%-55.9% -25.4%
From 52-week high -7.5%-5.9%-7.2% -1.8%
52-week high $60.18$58.54$33.34 $779.14
52-week low $38.47$39.15$22.34 $631.97

Valuation History

Weekly multiples on trailing twelve-month fundamentals. Negative or extreme readings (a loss year, a collapsed denominator) are left out so the chart stays readable.

MultipleACIWCASSEVTC
P/E now vs peer median 25.0xmedian 20.6x 19.2xmedian 20.6x 19.3xmedian 20.6x
P/S now vs peer median 3.1xmedian 2.3x 3.5xmedian 2.3x 1.9xmedian 2.3x
EV/EBITDA now vs peer median 17.8xmedian 15.4x 8.1xmedian 15.4x 8.7xmedian 15.4x
P/FCF now vs peer median 18.1xmedian 16.4x 16.8xmedian 16.4x 8.9xmedian 16.4x
P/B now vs peer median 3.8xmedian 1.9x 2.9xmedian 1.9x 2.9xmedian 1.9x
PEG now vs peer median 0.52median 1.05 3.02median 1.05 -0.85median 1.05

Financial History

Reported figures by fiscal period, placed on the calendar year (or quarter) each period ended in, so companies with different fiscal years line up.

Trailing twelve monthsACIWCASSEVTC
Revenue $1.82B $198.99M $996.16M
Gross profit $893.35M – $509.22M
Operating income $338.68M – $178.65M
Net income $225.69M $36.71M $102.12M
Free cash flow $311.41M $42.02M $208.38M
R&D $179.52M – –
EPS (diluted) $2.22 $2.81 $1.59
Cash & equivalents $167.40M $132.84M $260.66M
Total debt $822.18M – $1.25B
Shares (diluted) 101.68M 13.07M 61.45M
Enterprise value $4.83B $466.56M $542.74M

All Metrics

58 metrics · best in bold

Bold marks the best reading: the lowest positive value for multiples, leverage and payout, the highest for everything else. The bar under each value is its percentile against that company's own peers. Hover a value for its rank and the peer median.

Valuation

12 metrics
MetricACIWCASSEVTC
P/E 25.0x 19.2x 19.3x
P/FCF 18.1x 16.8x 8.9x
P/Operating cash flow 17.1x 14.5x 8.0x
P/S 3.1x 3.5x 1.9x
P/B 3.8x 2.9x 2.9x
P/Tangible book 3.8x 2.9x 54.2x
EV/EBITDA 17.8x 8.1x 8.7x
EV/EBIT 18.6x 9.0x 15.9x
EV/Revenue 3.5x 2.8x 2.9x
EV/FCF 20.2x 13.3x 13.6x
EV/Operating cash flow 19.1x 11.4x 12.3x
PEG (3Y EPS CAGR) 0.52 3.02 -0.85

Growth

14 metrics
MetricACIWCASSEVTC
Revenue growth (1Y) 7.0% 8.8% 12.4%
Revenue CAGR (3Y) 9.9% 0.9% 16.2%
Gross profit growth (1Y) 4.5% – 11.8%
Gross profit CAGR (3Y) 10.6% – 16.3%
Operating income growth (1Y) 0.1% – -8.4%
Operating income CAGR (3Y) 34.9% – 8.6%
Net income growth (1Y) -10.1% 44.8% -27.0%
Net income CAGR (3Y) 44.8% 4.3% -23.1%
EPS growth (1Y) -7.1% 49.8% -25.3%
EPS CAGR (3Y) 48.0% 6.4% -22.6%
Operating cash flow growth (1Y) 6.9% 22.0% 7.8%
Operating cash flow CAGR (3Y) 35.3% 9.1% 3.2%
Free cash flow growth (1Y) 6.0% 24.2% 6.7%
Free cash flow CAGR (3Y) 37.8% 13.6% 4.6%

Profitability

14 metrics
MetricACIWCASSEVTC
Gross margin 49.1% – 51.1%
EBITDA margin 19.4% 34.6% 32.7%
Operating margin 18.6% – 17.9%
Pretax margin 16.8% 22.9% 12.9%
Net margin 12.4% 18.5% 9.8%
FCF margin 17.1% 21.1% 20.9%
Operating cash flow margin 18.1% 24.5% 23.2%
Return on equity 15.1% 15.1% 15.5%
Return on assets 7.3% 1.5% 4.3%
Return on invested capital 10.8% 13.9% 7.8%
Return on capital employed 14.3% – 8.7%
Asset turnover 0.6x 0.1x 0.4x
Cash conversion (OCF / net income) 1.5x 1.3x 2.3x
Stock comp / revenue 4.3% 2.3% 3.1%

Financial Health

11 metrics
MetricACIWCASSEVTC
Debt / assets 26.6% 3.2% 50.5%
Debt / equity 0.5x 0.3x 1.9x
Net debt / EBITDA 1.9x -2.2x 3.0x
Debt / FCF 2.6x 1.9x 6.0x
Liabilities / assets 51.6% 90.3% 74.0%
Equity / assets 48.4% 9.7% 26.0%
Interest coverage 6.4x 3.9x 2.5x
Current ratio 1.6x – 1.7x
Quick ratio 2.0x – 1.4x
Cash ratio 0.2x – 0.8x
Altman Z-score 4.08 – 1.72

Shareholder Returns

7 metrics
MetricACIWCASSEVTC
Dividend yield – 2.3% 0.6%
Net buyback yield 2.9% 3.0% 7.2%
Shareholder yield 2.9% 5.3% 7.8%
Payout ratio (earnings) – 44.8% 12.3%
Payout ratio (FCF) – 39.1% 6.0%
Dividend growth (1Y) – -0.9% -2.2%
Dividend CAGR (3Y) – 1.5% –

Analyst Estimates

Solid lines are reported fiscal-year results; dashed lines are the consensus for the years ahead. Hover a year for the analysts' high and low, and how each result compared with its estimate.

ConsensusACIWCASSEVTC
Forward P/E 20.1xFY2026 17.9xFY2026 7.4xFY2026
EPS, next fiscal year $2.77FY2026 $3.07FY2026 $4.20FY2026
EPS growth, next FY +28.2%FY2026 +24.8%FY2026 +16.0%FY2026
EPS growth, the year after +12.6% +20.2% +7.9%
Revenue, next fiscal year $1.81BFY2026 $199.33MFY2026 $1.03BFY2026
Revenue growth, next FY +3.0%FY2026 +4.5%FY2026 +10.4%FY2026
Revenue growth, the year after +20.2% +18.3% +9.0%
ACIW estimates →CASS estimates →EVTC estimates →

Institutional Ownership

13F filings, quarter ended Jun 30, 2026
HoldersACIWCASSEVTC
Held by institutions 100.0% 61.4% 100.0%
Institutions holding 378 172 251
Change in shares held, QoQ +3.5% -3.4% -1.4%
Institutions buying 198 102 130
Institutions selling 130 43 89
Buyers to sellers 1.52 2.37 1.46
ACIW holders →CASS holders →EVTC holders →

Return Correlation

Daily returns, last 12 months

1.00 means two stocks move in lockstep, 0 that they move independently. Pairs below about 0.5 diversify each other.

ACIWCASSEVTC
ACIW 1.00 0.40 0.36
CASS 0.40 1.00 0.27
EVTC 0.36 0.27 1.00

Add a Peer

Largest companies in the same industry
ACIW · Payment Processing
+PYPLPayPal Holdings +XYZBlock +CPAYCorpay +FISVFiserv +GPNGlobal Payments +WEXWex +SEZLSezzle +DLOdLocal
Plot all 83 Payment Processing stocks →

Related Comparisons

ACIW vs PYPLPayPal Holdings ACIW vs XYZBlock ACIW vs CPAYCorpay ACIW vs FISVFiserv

Frequently Asked Questions

Which is bigger, ACIW, CASS and EVTC?

Aci Worldwide (ACIW) is the largest by market capitalisation: Aci Worldwide (ACIW) $5.55B, Cass Information Systems (CASS) $695.03M, Evertec (EVTC) $1.88B.

Which stock is cheaper, ACIW, CASS and EVTC?

Cass Information Systems (CASS) trades on the lowest price-to-earnings ratio (Aci Worldwide (ACIW) 24.6x, Cass Information Systems (CASS) 18.9x, Evertec (EVTC) 19.2x). On next year's consensus earnings, Evertec (EVTC) is cheapest (Aci Worldwide (ACIW) 20.1x, Cass Information Systems (CASS) 17.9x, Evertec (EVTC) 7.4x). A lower multiple can reflect slower expected growth, so read it next to the growth figures.

Which company is growing faster?

Evertec (EVTC) grew revenue fastest over the trailing twelve months: Aci Worldwide (ACIW) +7.0%, Cass Information Systems (CASS) +8.8%, Evertec (EVTC) +12.4%.

Which company is more profitable?

Cass Information Systems (CASS) has the highest net margin (Aci Worldwide (ACIW) 12.4%, Cass Information Systems (CASS) 18.5%, Evertec (EVTC) 9.8%). On return on invested capital, Cass Information Systems (CASS) leads (Aci Worldwide (ACIW) 10.8%, Cass Information Systems (CASS) 13.9%, Evertec (EVTC) 7.8%).

Which stock has performed better?

Over the past year Cass Information Systems (CASS) returned the most: Aci Worldwide (ACIW) +10.5%, Cass Information Systems (CASS) +41.1%, Evertec (EVTC) -0.3%. Over five years, Aci Worldwide (ACIW) compounded fastest (Aci Worldwide (ACIW) +13.0%/yr, Cass Information Systems (CASS) +6.0%/yr, Evertec (EVTC) -6.9%/yr). Returns are price only, before dividends.

Which pays a higher dividend?

Cass Information Systems (CASS) has the highest dividend yield: Aci Worldwide (ACIW) 0.00%, Cass Information Systems (CASS) 0.02%, Evertec (EVTC) 0.01%. Aci Worldwide (ACIW) pays no regular dividend.

Which stock is riskier?

By one-year price volatility, Cass Information Systems (CASS) has been the steadiest (Aci Worldwide (ACIW) 35.0%, Cass Information Systems (CASS) 22.6%, Evertec (EVTC) 41.5%). Volatility measures how widely the price swings, not the risk of the business.

Which is the better stock, ACIW, CASS and EVTC?

There is no single answer; it depends on what you are buying for. On the 12 head-to-head measures on this page, Cass Information Systems (CASS) leads on 7. Business Quant does not give investment advice; use the comparison as a starting point for your own research.

Data from SEC filings, exchange prices and consensus estimates, via Business Quant. Percentile scores compare each company with its own peer group, so two companies' scores are each relative to different peers unless you rank against the whole market. Price returns exclude dividends. Nothing on this page is investment advice.