ACI WORLDWIDE, INC. vs Toast, Inc.
Side-by-Side SaaS Metrics & Valuation Comparison
analyticsVertical SaaS
Data as of Q1 2026
Summary Verdict
ACIW: 3—TOST: 2wins
Rule of 40
24.2ACIW
25.9TOST
check_circleTOST leads
Revenue Growth
6.9%ACIW
24.0%TOST
check_circleTOST leads
Gross Margin
47%ACIW
26%TOST
check_circleACIW leads
FCF Margin
17.3%ACIW
1.9%TOST
check_circleACIW leads
Operating Margin
16.4%ACIW
5.2%TOST
check_circleACIW leads
NRR
—ACIW
—TOST
Metric
Rule of 40Efficiency score
ACIW
24.2
TOST
25.9check_circle
Revenue GrowthYoY
ACIW
6.9%
TOST
24.0%check_circle
Gross Margin% of revenue
ACIW
47%check_circle
TOST
26%
FCF MarginFree cash flow
ACIW
17.3%check_circle
TOST
1.9%
Operating MarginGAAP
ACIW
16.4%check_circle
TOST
5.2%
NRRNet retention
ACIW
N/A
TOST
N/A
EV / RevenueValuation multiple
ACIW
3.8x
TOST
2.6xcheck_circle
Market CapUSD
ACIW
$5.7B
TOST
$17.0Bcheck_circle
ARR GrowthYoY
ACIW
N/A
TOST
N/A
CAC PaybackMonths to recover
ACIW
N/A
TOST
N/A
insights
Analysis
As of Q1 2026, ACI WORLDWIDE, INC. trades at 3.8x EV/Revenue versus Toast, Inc. at 2.6x. On the Rule of 40, ACI WORLDWIDE, INC. scores 24.2 compared to Toast, Inc.'s 25.9, placing Toast, Inc. ahead in operating efficiency. Gross margins stand at ACI WORLDWIDE, INC. 47% vs Toast, Inc. 26%.
Sector Context
Both companies operate in the Vertical SaaS sector. The median columns above show where each company stands relative to their peers.