Is ACI WORLDWIDE, INC. (ACIW) Halal?
Shariah Screening — 5 Standards
Based on financial data from December 2025
| Standard | Debt Ratio | Cash Ratio | Receivables | Income | Status |
|---|---|---|---|---|---|
| AAOIFI | 21.8% / 30% | 4.9% / 30% | 9.4% / 30% | 1.0% / 5% | ✓ HALAL |
| DJIM | 21.8% / 33% | 4.9% / 33% | 9.4% / 33% | 1.0% / 5% | ✓ HALAL |
| MSCI | 31.6% / 33% | 7.2% / 33% | 13.7% / 33% | 1.0% / 5% | ✓ HALAL |
| S&P | 21.8% / 33% | 4.9% / 33% | 9.4% / 33% | 1.0% / 5% | ✓ HALAL |
| FTSE | 31.6% / 33% | 7.2% / 33% | 13.7% / 50% | 1.0% / 5% | ✓ HALAL |
Financial Highlights
Profitability
| Gross Margin | 49.0% | |
| Operating Margin | 23.1% | |
| Net Margin | 12.9% | |
| Return on Equity (ROE) | 15.4% | |
| Return on Assets (ROA) | 6.9% |
Cash Flow & Balance Sheet
| Operating Cash Flow | $323M |
| Free Cash Flow | $289M |
| Total Debt | $849M |
| Debt-to-Equity | 57.0 |
| Current Ratio | 1.5 |
| Total Assets | $3.1B |
Price & Trading
| Last Close | $40.86 |
| 50-Day MA | $41.32 |
| 200-Day MA | $46.01 |
| Avg Volume | 810K |
| Beta | 1.1 |
|
52-Week Range
$38.05
| |
About ACI WORLDWIDE, INC. (ACIW)
ACI Worldwide, Inc. develops, markets, installs, and supports software products and services for facilitating electronic payments in the United States and worldwide. It operates through Payment Software, and Billers segments. The company offers ACI Acquiring, a solution to process credit, debit, and prepaid card transactions, deliver digital innovation, fraud prevention, and reduce fees; ACI Issuing, a digital payment issuing solution; and ACI Connetic, a solution that offers payment services for processing, routing, and managing various payment types. It provides ACI real-time payments, a solution that provides connectivity to payment rails; ACI RTGS and cross-border, a payments engine that offers multi-currency, payment and STP processing, and back-office integration interfaces; and ACI digital central infrastructure, a solution that offers real-time payments service. Further, it offers ACI Payments Orchestration Platform, a payments platform that orchestrates and optimizes payments; ACI Fraud Management for merchants, billers, and financial institutions; ACI Fraud Scoring Services with artificial and human insights with data intelligence; and Speedpay, an integrated suite of digital billing, payment, disbursement, and communication services. Additionally, it offers electronic bill presentment and payment services to consumer finance, insurance, healthcare, higher education, utility, government, subscription provider, telecommunications, and mortgage sectors; product installations and configurations, and custom software modifications; and business and technical consultancy, on-site support, product education, and testing services, as well distributes software developed by third parties. It markets its products and services under the ACI Worldwide brand. The company was formerly known as Transaction Systems Architects, Inc. and changed its name to ACI Worldwide, Inc. in July 2007. The company was founded in 1975 and is headquartered in Elkhorn, Nebraska.
Purification Calculator
As a halal stock with 1.00% impermissible income, you need to purify your dividends.
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Frequently Asked Questions
Is ACI WORLDWIDE, INC. (ACIW) halal to invest in?
Based on our screening using AAOIFI Standard 21 (the strictest methodology), ACI WORLDWIDE, INC. is Halal. The company passes all financial ratio thresholds for debt, cash, receivables, and impermissible income. We screen against all 5 major standards: AAOIFI, DJIM, MSCI, S&P, and FTSE.
What is ACI WORLDWIDE, INC.'s debt ratio?
ACI WORLDWIDE, INC.'s debt ratio is 21.8% under the AAOIFI standard (which uses market capitalization as the denominator). The AAOIFI threshold is 30%. Under MSCI and FTSE (which use total assets as the denominator), the debt ratio is 31.6%.
Does ACI WORLDWIDE, INC. require dividend purification?
Yes, ACI WORLDWIDE, INC. has an impermissible income ratio of 1.00%, which means 1.00% of any dividends received should be donated to charity as purification. This is because a small portion of the company's revenue comes from non-Shariah-compliant sources.
What are ACI WORLDWIDE, INC.'s key financial metrics?
ACI WORLDWIDE, INC. has a market capitalization of $4.1B, trailing P/E ratio of 18.5, and revenue of $1.8B. The company maintains a gross margin of 49.0% and a net margin of 12.9%. Return on equity stands at 15.4%.
How often is the screening data updated?
Our screening data is updated regularly using the latest available financial statements and market data. Stock prices and market caps are refreshed frequently, while financial statements are updated quarterly when companies report earnings.
Disclaimer: HalalStockGuide.com provides Shariah compliance screening for educational and informational purposes only. This is not a fatwa, financial advice, or a recommendation to buy or sell any security. Screening results are based on publicly available financial data and established methodologies. Always consult a qualified Islamic scholar and a licensed financial advisor before making investment decisions.