ACI WORLDWIDE, INC. vs Toast, Inc.
Side-by-Side SaaS Metrics & Valuation Comparison
analyticsVertical SaaS
Data as of Q2 2026
Summary Verdict
ACIW: 3—TOST: 2wins
Rule of 40
26.1ACIW
37.3TOST
check_circleTOST leads
Revenue Growth
9.1%ACIW
35.5%TOST
check_circleTOST leads
Gross Margin
46%ACIW
27%TOST
check_circleACIW leads
FCF Margin
17.0%ACIW
1.8%TOST
check_circleACIW leads
Operating Margin
15.2%ACIW
6.3%TOST
check_circleACIW leads
NRR
—ACIW
—TOST
Metric
Rule of 40Efficiency score
ACIW
26.1
TOST
37.3check_circle
Revenue GrowthYoY
ACIW
9.1%
TOST
35.5%check_circle
Gross Margin% of revenue
ACIW
46%check_circle
TOST
27%
FCF MarginFree cash flow
ACIW
17.0%check_circle
TOST
1.8%
Operating MarginGAAP
ACIW
15.2%check_circle
TOST
6.3%
NRRNet retention
ACIW
N/A
TOST
N/A
EV / RevenueValuation multiple
ACIW
3.3x
TOST
2.4xcheck_circle
Market CapUSD
ACIW
$5.1B
TOST
$17.2Bcheck_circle
ARR GrowthYoY
ACIW
N/A
TOST
N/A
CAC PaybackMonths to recover
ACIW
N/A
TOST
N/A
insights
Analysis
As of Q2 2026, ACI WORLDWIDE, INC. trades at 3.3x EV/Revenue versus Toast, Inc. at 2.4x. On the Rule of 40, ACI WORLDWIDE, INC. scores 26.1 compared to Toast, Inc.'s 37.3, placing Toast, Inc. ahead in operating efficiency. Gross margins stand at ACI WORLDWIDE, INC. 46% vs Toast, Inc. 27%.
Sector Context
Both companies operate in the Vertical SaaS sector. The median columns above show where each company stands relative to their peers.