Abraham Kuruvilla Implements A Sell Strategy: Offloads $200K In ACI Worldwide Stock

Abraham Kuruvilla, Chief Technology Officer at ACI Worldwide (NASDAQ:ACIW), disclosed an insider sell on November 12, according to a recent SEC filing.

What Happened: Kuruvilla opted to sell 4,210 shares of ACI Worldwide, according to a Form 4 filing with the U.S. Securities and Exchange Commission on Wednesday. The transaction's total worth stands at $200,785.

Tracking the Thursday's morning session, ACI Worldwide shares are trading at $47.01, showing a down of 1.18%.

Delving into ACI Worldwide's Background

ACI Worldwide Inc develops, markets and installs a portfolio of software products focused on facilitating electronic payments. The firm also leverages its distribution network in the Americas; Europe, the Middle East, and Africa, or EMEA; and Asia-Pacific regions to sell software developed by third parties. 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 majority of the revenue is generated in the United States and EMEA regions.

ACI Worldwide: A Financial Overview

Revenue Growth: ACI Worldwide displayed positive results in 3 months. As of 30 September, 2025, the company achieved a solid revenue growth rate of approximately 6.78%. This indicates a notable increase in the company's top-line earnings. In comparison to its industry peers, the company trails behind with a growth rate lower than the average among peers in the Information Technology sector.

Navigating Financial Profits:

• Gross Margin: The company issues a cost efficiency warning with a low gross margin of 53.74%, indicating potential difficulties in maintaining profitability compared to its peers.

• Earnings per Share (EPS): ACI Worldwide's EPS is notably higher than the industry average. The company achieved a positive bottom-line trend with a current EPS of 0.88.

Debt Management: With a below-average debt-to-equity ratio of 0.61, ACI Worldwide adopts a prudent financial strategy, indicating a balanced approach to debt management.

Valuation Overview:

• Price to Earnings (P/E) Ratio: The current P/E ratio of 19.26 is below industry norms, indicating potential undervaluation and presenting an investment opportunity.

• Price to Sales (P/S) Ratio: The P/S ratio of 2.9 is lower than the industry average, implying a discounted valuation for ACI Worldwide's stock in relation to sales performance.

• EV/EBITDA Analysis (Enterprise Value to its Earnings Before Interest, Taxes, Depreciation & Amortization): With an EV/EBITDA ratio lower than industry benchmarks at 11.56, ACI Worldwide presents an attractive value opportunity.

Market Capitalization: Exceeding industry standards, the company's market capitalization places it above industry average in size relative to peers. This emphasizes its significant scale and robust market position.

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Illuminating the Importance of Insider Transactions

Considering insider transactions is valuable, but it's crucial to evaluate them in conjunction with other investment factors.

Considering the legal perspective, an "insider" is defined as any officer, director, or beneficial owner holding more than ten percent of a company's equity securities, according to Section 12 of the Securities Exchange Act of 1934. This includes executives in the c-suite and major hedge funds. These insiders are mandated to disclose their transactions through a Form 4 filing, to be submitted within two business days of the transaction.

Pointing towards optimism, a company insider's new purchase signals their positive anticipation for the stock to rise.

Nevertheless, insider sells may not necessarily indicate a bearish view and can be influenced by various factors.

A Deep Dive into Insider Transaction Codes

When dissecting transactions, the focal point for investors is often those occurring in the open market, meticulously detailed in Table I of the Form 4 filing. A P in Box 3 denotes a purchase, while S signifies a sale. Transaction code C indicates the conversion of an option, and transaction code A denotes a grant, award, or other acquisition of securities from the company.

Check Out The Full List Of ACI Worldwide's Insider Trades.

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This article was generated by Benzinga's automated content engine and reviewed by an editor.