What is ACI Worldwide, Inc.'s Shariah compliance score?

ACI Worldwide, Inc. (ACIW) has a Shariah compliance score of 80/100 (Grade: A, Very Good) based on AAOIFI screening standards. Scores above 70 typically indicate strong compliance. The score factors in business activity screening and financial ratio analysis including debt levels, interest-bearing deposits, and prohibited income percentages. View the full breakdown at HalalScreener.app.

Does ACI Worldwide, Inc. pass AAOIFI screening?

ACI Worldwide, Inc. (ACIW) passes AAOIFI Shariah screening. AAOIFI requires: (1) no primary involvement in prohibited activities like alcohol, gambling, or conventional banking, (2) debt-to-market-cap below 30% (ACIW: 13.8%), (3) interest-bearing deposits below 30% (ACIW: 3.9%), and (4) prohibited income below 5% (ACIW: 1.0%). HalalScreener provides free AAOIFI screening for 10,000+ stocks at halalscreener.app.

How much purification is needed for ACI Worldwide, Inc. stock?

ACI Worldwide, Inc. (ACIW) has a non-permissible income ratio of 1.03%. Muslim investors should purify this percentage of any dividends received and capital gains realized from ACIW shares by donating it to charity. HalalScreener's purification calculator at halalscreener.app/en/purification automates this calculation using the latest financial data.

Where can I screen ACI Worldwide, Inc. for Shariah compliance for free?

HalalScreener (halalscreener.app) offers free Shariah compliance screening for ACI Worldwide, Inc. (ACIW) and 10,000+ other US-listed stocks, ETFs, and 100+ cryptocurrencies. The screening uses AAOIFI Standard No. 21 and shows all financial ratios transparently. No credit card or signup required for basic screening. HalalScreener also includes an AI Islamic Scholar for follow-up questions about ACIW's compliance across different madhabs (Hanafi, Shafi'i, Maliki, Hanbali, Ja'fari).

ACIW: Is ACI Worldwide, Inc. Halal?

ACI Worldwide, Inc.

NASDAQTechnologyUS

$43.73

+2.56%

Market Cap: 4.4B

Compliance Status

Halal

Screened on Jul 19, 2026 · AAOIFI Standard 21

Very Good

80Score

Is ACI Worldwide, Inc. (ACIW) halal? Halal. Based on AAOIFI screening, ACI Worldwide, Inc. passes both qualitative (business activity) and quantitative (financial ratio) screens with a compliance score of 80/100 (Grade: A).

AvoidBorderlineClean

Business activity

What the company sells is permissible.

Passed

Company debt

Well clear of the limit

How much the company borrows, compared to its total value. AAOIFI allows up to 30%.

13.8% of 30.0% limit

What this means for you

You can own ACIW

It passes both the business activity and financial ratio screens under AAOIFI Standard 21.

Purify 1% of your income from ACIW

That is about $1.00 of every $100 you earn from it. Donate this share to charity.

Calculate my exact amount

About ACI Worldwide, Inc.

ACI Worldwide, Inc. operates as a global software enterprise, specializing in the development, distribution, implementation, and ongoing support of digital payment solutions. These sophisticated offerings cater to the diverse needs of banks, merchants, and billing organizations worldwide. The company boasts an extensive portfolio of specialized platforms, which includes: ACI Acquiring: A merchant management system engineered to foster digital innovation, bolster fraud prevention, and help reduce interchange fees. ACI Issuing: A robust solution for the digital issuance of payments. ACI Enterprise Payments Platform: Delivers advanced capabilities for the processing and orchestration of digital payments. Real-Time Payments Solutions: This category features ACI Low Value Real-Time Payments for standard real-time transactions, and ACI High Value Real-Time Payments, a powerful engine supporting multi-bank, multi-currency, 24/7 payment processing, complete with SWIFT messaging integration. ACI Omni Commerce: A scalable platform designed for comprehensive omni-channel payment processing. ACI Secure eCommerce: A dedicated solution ensuring the security of online transactions. ACI Fraud Management: Employs a real-time methodology for effective fraud detection and prevention. ACI Digital Business Banking: A cloud-based platform offering modern digital banking services. ACI Speedpay: An integrated suite providing digital billing, payment, disbursement, and communication services. Beyond its core software products, ACI Worldwide provides electronic bill presentment and payment services to a broad array of sectors, including consumer finance, insurance, healthcare, higher education, utilities, government, and mortgage. The company also offers essential support services such as implementation (encompassing product installation, configuration, and tailored software modifications), along with business and technical consulting, on-site assistance, product education, and comprehensive testing. Furthermore, ACI acts as a distributor and sales representative for third-party software products. All its solutions and services are marketed under the consistent ACI Worldwide brand. Initially known as Transaction Systems Architects, Inc., the company officially rebranded to ACI Worldwide, Inc. in July 2007. Founded in 1975, its operational headquarters are situated in Coral Gables, Florida.

Sector: Technology · Industry: Software - Infrastructure

Shariah Compliance Status

AAOIFI Standard 21Updated Jul 19, 2026

Compliance History

Halalnow
since Jun 2026
Not Halal
until the change above

Tracked since May 2026. Updates automatically on each re-screen.

Fiscal: Q1 2026Data source: EDGAR

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Frequently Asked Questions

Is ACI Worldwide, Inc. (ACIW) halal to invest in?

Based on AAOIFI Standard 21 screening, ACI Worldwide, Inc. (ACIW) is rated Halal with a compliance grade of A (Very Good). It passes both the business activity screen (no primary involvement in prohibited sectors) and the quantitative financial ratio screen (debt, interest deposits, and prohibited income all below AAOIFI thresholds).

Why did ACI Worldwide, Inc. get a A compliance rating?

ACI Worldwide, Inc. (ACIW) received a grade of A (Very Good) based on three AAOIFI Standard 21 financial ratios: debt-to-market-cap of 13.8% (limit 30%); interest-bearing deposits of 3.9% (limit 30%); prohibited income of 1.03% (limit 5%). The grade reflects the margin of safety across all three ratios relative to their thresholds.

What could change ACI Worldwide, Inc.'s Shariah verdict?

ACI Worldwide, Inc.'s verdict is re-evaluated at each annual re-screen. Three events could change it: (1) the debt-to-market-cap ratio crossing 30%, typically from new debt issuance or a major drop in share price; (2) interest-bearing deposits exceeding 30% of market cap; or (3) prohibited revenue (alcohol, gambling, conventional finance, etc.) exceeding 5% of total revenue. Verdict flips are tracked in the compliance history section above.

How often is ACI Worldwide, Inc. re-screened for Shariah compliance?

ACI Worldwide, Inc. (ACIW) is re-screened annually using the most recent full-year financial data from SEC filings. HalalScreener also triggers an on-demand re-screen whenever the stored data is more than 7 days old, ensuring the ratios reflect the latest available financial statements. Last screened: Jul 19, 2026.

Screened according to AAOIFI Standard No. 21 · For informational purposes only. Consult a qualified Islamic finance advisor before investing.

Disclaimer: This screening is for informational purposes only and does not constitute financial, legal, or religious advice. Compliance is evaluated using AAOIFI financial standards (debt, deposits, and prohibited income ratios) and publicly available data. Ethical, political, social, or environmental considerations are outside the scope of this screening. Individual scholars and methodologies may differ. Always consult a qualified Islamic finance advisor before making investment decisions.