OWLS vs ACIW Stock Comparison

Obook Holdings and Aci Worldwide Prices as of Oct 28, 2026 Peers: Industry group
OWLS Obook Holdings Inc.
$2.67 -51.8% 1M -75.9% 1Y
Market cap
$205.30M
P/E
–
Revenue (TTM)
—
Div. yield
–
Payment Processing Technology
ACIW Aci Worldwide, Inc.
$55.20 +12.7% 1M +11.0% 1Y
Market cap
$5.64B
P/E
25.0x
Revenue (TTM)
$1.82B
Div. yield
–
Payment Processing Technology
3 wins

Head to Head

3 decided of 12

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

QuestionOWLSACIWLeader
Larger companyMarket capitalisation $205.30M $5.64B ACIW
Cheaper on earningsLower P/E, profitable companies only — 25.0x –
Cheaper on forward earningsLower price / next fiscal year consensus EPS — 19.9x –
Faster revenue growthRevenue growth, trailing twelve months — +7.0% –
More profitableNet margin, trailing twelve months — 12.4% –
Better return on capitalReturn on invested capital — 10.8% –
Less leveragedLower net debt / EBITDA — 1.9x –
Higher dividend yieldTrailing dividend yield 0.00% 0.00% –
Better 1-year returnPrice return, last 12 months -75.9% +11.0% ACIW
Better 5-year returnAnnualised price return, 5 years — +12.5%/yr –
Less volatileAnnualised volatility, 1 year 79.6% 34.9% ACIW
Higher overall scoreMean of the five percentile scores vs peers — 67/100 –

Percentile Scorecard

OWLSACIW

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

AxisOWLSACIW
Valuation – 74 #27 of 99
Growth – 69 #30 of 94
Profitability – 78 #21 of 90
Financial Health 24 #80 of 105 60 #43 of 105
Shareholder Returns – 53 #28 of 59
Overall – 67
  • OWLS ranked among 109 companies in Fintech
  • ACIW ranked among 109 companies in Fintech

Price Performance

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

Returns

PeriodOWLSACIWSPY
1 month -51.8%+12.7% +0.9%
3 months -49.9%-8.3% +5.9%
6 months -54.5%+26.6% +8.5%
Year to date -60.0%+15.5% +13.3%
1 year -75.9%+11.0% +12.4%
3 years —+179.5% +88.1%
3 years, per year —+40.9% +23.5%
5 years —+79.9% +68.2%
5 years, per year —+12.5% +11.0%
10 years —+198.4% +263.4%
10 years, per year —+11.6% +13.8%

Risk

MeasureOWLSACIWSPY
Volatility, 1Y 79.6%34.9% 12.7%
Downside volatility, 1Y 88.4%36.6% 12.7%
Beta vs S&P 500, 1Y 1.150.35 1.00
Return / volatility, 1Y -0.950.31 0.98
Max drawdown, 5Y -96.4%-44.2% -25.4%
From 52-week high -75.9%-8.3% -0.9%
52-week high $11.09$60.18 $779.14
52-week low $1.98$38.47 $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.

MultipleOWLSACIW
P/E now vs peer median —median 19.6x 24.8xmedian 19.6x
P/S now vs peer median —median 2.3x 3.1xmedian 2.3x
EV/EBITDA now vs peer median —median 17.5x 17.6xmedian 17.5x
P/FCF now vs peer median —median 15.9x 17.9xmedian 15.9x
P/B now vs peer median -19.3xmedian 2.0x 3.7xmedian 2.0x
PEG now vs peer median —median 1.01 0.52median 1.01

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 monthsOWLSACIW
Revenue – $1.82B
Gross profit – $893.35M
Operating income – $338.68M
Net income – $225.69M
Free cash flow – $311.41M
R&D – $179.52M
EPS (diluted) – $2.22
Cash & equivalents $10.19M $167.40M
Total debt – $822.18M
Shares (diluted) – 101.68M
Enterprise value $153.07M $4.91B

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
MetricOWLSACIW
P/E – 24.8x
P/FCF – 17.9x
P/Operating cash flow – 16.9x
P/S – 3.1x
P/B -19.3x 3.7x
P/Tangible book -18.0x 3.7x
EV/EBITDA – 17.6x
EV/EBIT – 18.4x
EV/Revenue – 3.4x
EV/FCF – 20.0x
EV/Operating cash flow – 18.9x
PEG (3Y EPS CAGR) – 0.52

Growth

14 metrics
MetricOWLSACIW
Revenue growth (1Y) – 7.0%
Revenue CAGR (3Y) – 9.9%
Gross profit growth (1Y) – 4.5%
Gross profit CAGR (3Y) – 10.6%
Operating income growth (1Y) – 0.1%
Operating income CAGR (3Y) – 34.9%
Net income growth (1Y) – -10.1%
Net income CAGR (3Y) – 44.8%
EPS growth (1Y) – -7.1%
EPS CAGR (3Y) – 48.0%
Operating cash flow growth (1Y) – 6.9%
Operating cash flow CAGR (3Y) – 35.3%
Free cash flow growth (1Y) – 6.0%
Free cash flow CAGR (3Y) – 37.8%

Profitability

14 metrics
MetricOWLSACIW
Gross margin – 49.1%
EBITDA margin – 19.4%
Operating margin – 18.6%
Pretax margin – 16.8%
Net margin – 12.4%
FCF margin – 17.1%
Operating cash flow margin – 18.1%
Return on equity – 15.1%
Return on assets – 7.3%
Return on invested capital – 10.8%
Return on capital employed – 14.3%
Asset turnover – 0.6x
Cash conversion (OCF / net income) – 1.5x
Stock comp / revenue – 4.3%

Financial Health

11 metrics
MetricOWLSACIW
Debt / assets 2.7% 26.6%
Debt / equity -0.1x 0.5x
Net debt / EBITDA – 1.9x
Debt / FCF – 2.6x
Liabilities / assets 150.9% 51.6%
Equity / assets -50.9% 48.4%
Interest coverage – 6.4x
Current ratio 0.6x 1.6x
Quick ratio 0.5x 2.0x
Cash ratio 0.5x 0.2x
Altman Z-score – 4.07

Shareholder Returns

7 metrics
MetricOWLSACIW
Dividend yield – –
Net buyback yield – 2.9%
Shareholder yield – 2.9%
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.

ConsensusOWLSACIW
Forward P/E – 19.9xFY2026
EPS, next fiscal year $-0.71FY2026 $2.77FY2026
EPS growth, next FY – +28.2%FY2026
EPS growth, the year after – +12.6%
Revenue, next fiscal year $8.17MFY2026 $1.81BFY2026
Revenue growth, next FY +3.9%FY2026 +3.0%FY2026
Revenue growth, the year after +536.4% +20.2%

Institutional Ownership

13F filings, quarter ended Jun 30, 2026
HoldersOWLSACIW
Held by institutions – 100.0%
Institutions holding – 378
Change in shares held, QoQ – +3.5%
Institutions buying – 198
Institutions selling – 130
Buyers to sellers – 1.52

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.

OWLSACIW
OWLS 1.00 -0.01
ACIW -0.01 1.00

Add a Peer

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Frequently Asked Questions

Which is bigger, OWLS and ACIW?

Aci Worldwide (ACIW) is the largest by market capitalisation: Obook Holdings (OWLS) $205.30M, Aci Worldwide (ACIW) $5.64B.

Which stock has performed better?

Over the past year Aci Worldwide (ACIW) returned the most: Obook Holdings (OWLS) -75.9%, Aci Worldwide (ACIW) +11.0%. Returns are price only, before dividends.

Which stock is riskier?

By one-year price volatility, Aci Worldwide (ACIW) has been the steadiest (Obook Holdings (OWLS) 79.6%, Aci Worldwide (ACIW) 34.9%). Volatility measures how widely the price swings, not the risk of the business.

Do OWLS and ACIW move together?

Their daily returns over the past year have a correlation of -0.01, a negative relationship. Holding both diversifies more than two closely linked stocks would.

Which is the better stock, OWLS and ACIW?

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 3. 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.