ACIW vs XYZ Stock Comparison

Aci Worldwide and Block Prices as of Oct 23, 2026 Peers: Industry group
ACIW Aci Worldwide, Inc.
$55.88 +13.5% 1M +11.7% 1Y
Market cap
$5.65B
P/E
25.0x
Revenue (TTM)
$1.82B
Div. yield
–
Payment Processing Technology
7 wins
XYZ Block, Inc.
$76.47 +2.4% 1M -2.7% 1Y
Market cap
$44.55B
P/E
124.7x
Revenue (TTM)
$25.04B
Div. yield
–
Payment Processing Technology
4 wins

Head to Head

11 decided of 12

Aci Worldwide leads on 7 of the 12 questions below (Aci Worldwide 7, Block 4). Which ones matter depends on what you are buying for; a cheap multiple and slow growth often come together.

QuestionACIWXYZLeader
Larger companyMarket capitalisation $5.65B $44.55B XYZ
Cheaper on earningsLower P/E, profitable companies only 25.0x 124.7x ACIW
Cheaper on forward earningsLower price / next fiscal year consensus EPS 20.2x 19.7x XYZ
Faster revenue growthRevenue growth, trailing twelve months +7.0% +5.1% ACIW
More profitableNet margin, trailing twelve months 12.4% 1.4% ACIW
Better return on capitalReturn on invested capital 10.8% 2.0% ACIW
Less leveragedLower net debt / EBITDA 1.9x 0.3x XYZ
Higher dividend yieldTrailing dividend yield 0.00% 0.00% –
Better 1-year returnPrice return, last 12 months +11.7% -2.7% ACIW
Better 5-year returnAnnualised price return, 5 years +12.6%/yr -21.3%/yr ACIW
Less volatileAnnualised volatility, 1 year 34.9% 46.3% ACIW
Higher overall scoreMean of the five percentile scores vs peers 69/100 73/100 XYZ

Percentile Scorecard

ACIWXYZ

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

AxisACIWXYZ
Valuation 75 #25 of 98 83 #18 of 98
Growth 69 #30 of 94 82 #18 of 94
Profitability 80 #19 of 90 65 #32 of 90
Financial Health 60 #43 of 105 67 #35 of 105
Shareholder Returns 59 #26 of 62 69 #20 of 62
Overall 69 73
  • ACIW ranked among 109 companies in Fintech
  • XYZ ranked among 109 companies in Fintech

Price Performance

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

Returns

PeriodACIWXYZSPY
1 month +13.5%+2.4% -1.0%
3 months -0.8%-0.9% +2.9%
6 months +29.4%+6.8% +6.4%
Year to date +16.9%+17.5% +11.4%
1 year +11.7%-2.7% +13.1%
3 years +168.4%+68.6% +79.4%
3 years, per year +39.0%+19.0% +21.5%
5 years +80.8%-69.8% +67.7%
5 years, per year +12.6%-21.3% +10.9%
10 years +183.8%+575.5% +255.2%
10 years, per year +11.0%+21.1% +13.5%

Risk

MeasureACIWXYZSPY
Volatility, 1Y 34.9%46.3% 12.7%
Downside volatility, 1Y 36.6%46.2% 12.7%
Beta vs S&P 500, 1Y 0.351.83 1.00
Return / volatility, 1Y 0.34-0.06 1.03
Max drawdown, 5Y -44.2%-85.1% -25.4%
From 52-week high -7.1%-9.9% -2.5%
52-week high $60.18$84.84 $779.14
52-week low $38.47$49.09 $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.

MultipleACIWXYZ
P/E now vs peer median 25.1xmedian 21.5x 128.0xmedian 21.5x
P/S now vs peer median 3.1xmedian 2.2x 1.8xmedian 2.2x
EV/EBITDA now vs peer median 17.8xmedian 15.7x 30.0xmedian 15.7x
P/FCF now vs peer median 18.2xmedian 16.4x 11.8xmedian 16.4x
P/B now vs peer median 3.8xmedian 1.9x 2.1xmedian 1.9x
PEG now vs peer median 0.52median 1.06 1.90median 1.06

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 monthsACIWXYZ
Revenue $1.82B $25.04B
Gross profit $893.35M $11.61B
Operating income $338.68M $1.17B
Net income $225.69M $357.28M
Free cash flow $311.41M $3.88B
R&D $179.52M $3.07B
EPS (diluted) $2.22 $0.59
Cash & equivalents $167.40M $6.43B
Total debt $822.18M $6.88B
Shares (diluted) 101.68M 608.85M
Enterprise value $4.93B $15.85B

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
MetricACIWXYZ
P/E 25.1x 128.0x
P/FCF 18.2x 11.8x
P/Operating cash flow 17.1x 11.3x
P/S 3.1x 1.8x
P/B 3.8x 2.1x
P/Tangible book 3.8x 2.2x
EV/EBITDA 17.8x 30.0x
EV/EBIT 18.6x 39.7x
EV/Revenue 3.5x 1.9x
EV/FCF 20.3x 12.0x
EV/Operating cash flow 19.1x 11.4x
PEG (3Y EPS CAGR) 0.52 1.90

Growth

14 metrics
MetricACIWXYZ
Revenue growth (1Y) 7.0% 5.1%
Revenue CAGR (3Y) 9.9% 8.3%
Gross profit growth (1Y) 4.5% 23.7%
Gross profit CAGR (3Y) 10.6% 19.5%
Operating income growth (1Y) 0.1% 1.7%
Operating income CAGR (3Y) 34.9% 77.9%
Net income growth (1Y) -10.1% -87.9%
Net income CAGR (3Y) 44.8% 64.5%
EPS growth (1Y) -7.1% -87.7%
EPS CAGR (3Y) 48.0% 67.4%
Operating cash flow growth (1Y) 6.9% 236.4%
Operating cash flow CAGR (3Y) 35.3% 105.3%
Free cash flow growth (1Y) 6.0% 266.4%
Free cash flow CAGR (3Y) 37.8% 129.4%

Profitability

14 metrics
MetricACIWXYZ
Gross margin 49.1% 46.4%
EBITDA margin 19.4% 6.2%
Operating margin 18.6% 4.7%
Pretax margin 16.8% 2.8%
Net margin 12.4% 1.4%
FCF margin 17.1% 15.5%
Operating cash flow margin 18.1% 16.2%
Return on equity 15.1% 1.6%
Return on assets 7.3% 0.9%
Return on invested capital 10.8% 2.0%
Return on capital employed 14.3% 4.0%
Asset turnover 0.6x 0.6x
Cash conversion (OCF / net income) 1.5x 11.4x
Stock comp / revenue 4.3% 4.8%

Financial Health

11 metrics
MetricACIWXYZ
Debt / assets 26.6% 17.6%
Debt / equity 0.5x 0.3x
Net debt / EBITDA 1.9x 0.3x
Debt / FCF 2.6x 1.8x
Liabilities / assets 51.6% 43.7%
Equity / assets 48.4% 56.3%
Interest coverage 6.4x –
Current ratio 1.6x 2.2x
Quick ratio 2.0x 0.8x
Cash ratio 0.2x 0.6x
Altman Z-score 4.09 2.86

Shareholder Returns

7 metrics
MetricACIWXYZ
Dividend yield – –
Net buyback yield 2.9% 3.9%
Shareholder yield 2.9% 3.9%
Payout ratio (earnings) – –
Payout ratio (FCF) – –
Dividend growth (1Y) – –
Dividend CAGR (3Y) – –

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.

ConsensusACIWXYZ
Forward P/E 20.2xFY2026 19.7xFY2026
EPS, next fiscal year $2.77FY2026 $3.89FY2026
EPS growth, next FY +28.2%FY2026 +64.1%FY2026
EPS growth, the year after +12.6% +38.3%
Revenue, next fiscal year $1.81BFY2026 $24.58BFY2026
Revenue growth, next FY +3.0%FY2026 +1.6%FY2026
Revenue growth, the year after +20.2% +21.4%

Institutional Ownership

13F filings, quarter ended Jun 30, 2026
HoldersACIWXYZ
Held by institutions 100.0% 73.6%
Institutions holding 378 1,081
Change in shares held, QoQ +3.5% +3.0%
Institutions buying 198 581
Institutions selling 130 330
Buyers to sellers 1.52 1.76

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.

ACIWXYZ
ACIW 1.00 0.44
XYZ 0.44 1.00

Add a Peer

Largest companies in the same industry

Related Comparisons

Frequently Asked Questions

Which is bigger, ACIW and XYZ?

Block (XYZ) is the largest by market capitalisation: Aci Worldwide (ACIW) $5.65B, Block (XYZ) $44.55B.

Which stock is cheaper, ACIW and XYZ?

Aci Worldwide (ACIW) trades on the lowest price-to-earnings ratio (Aci Worldwide (ACIW) 25.0x, Block (XYZ) 124.7x). On next year's consensus earnings, Block (XYZ) is cheapest (Aci Worldwide (ACIW) 20.2x, Block (XYZ) 19.7x). A lower multiple can reflect slower expected growth, so read it next to the growth figures.

Which company is growing faster?

Aci Worldwide (ACIW) grew revenue fastest over the trailing twelve months: Aci Worldwide (ACIW) +7.0%, Block (XYZ) +5.1%.

Which company is more profitable?

Aci Worldwide (ACIW) has the highest net margin (Aci Worldwide (ACIW) 12.4%, Block (XYZ) 1.4%). On return on invested capital, Aci Worldwide (ACIW) leads (Aci Worldwide (ACIW) 10.8%, Block (XYZ) 2.0%).

Which stock has performed better?

Over the past year Aci Worldwide (ACIW) returned the most: Aci Worldwide (ACIW) +11.7%, Block (XYZ) -2.7%. Over five years, Aci Worldwide (ACIW) compounded fastest (Aci Worldwide (ACIW) +12.6%/yr, Block (XYZ) -21.3%/yr). Returns are price only, before dividends.

Which stock is riskier?

By one-year price volatility, Aci Worldwide (ACIW) has been the steadiest (Aci Worldwide (ACIW) 34.9%, Block (XYZ) 46.3%). Volatility measures how widely the price swings, not the risk of the business.

Do ACIW and XYZ move together?

Their daily returns over the past year have a correlation of 0.44, a moderate positive relationship. Holding both diversifies more than two closely linked stocks would.

Which is the better stock, ACIW and XYZ?

There is no single answer; it depends on what you are buying for. On the 12 head-to-head measures on this page, Aci Worldwide (ACIW) 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.