ACI WORLDWIDE, INC. vs UPWORK, INC
Side-by-Side SaaS Metrics & Valuation Comparison
analyticsVertical SaaS
Data as of Q2 2026
Summary Verdict
ACIW: 3—UPWK: 2wins
Rule of 40
26.1ACIW
9.7UPWK
check_circleACIW leads
Revenue Growth
9.1%ACIW
1.9%UPWK
check_circleACIW leads
Gross Margin
46%ACIW
77%UPWK
check_circleUPWK leads
FCF Margin
17.0%ACIW
7.8%UPWK
check_circleACIW leads
Operating Margin
15.2%ACIW
15.7%UPWK
check_circleUPWK leads
NRR
—ACIW
—UPWK
Metric
Rule of 40Efficiency score
ACIW
26.1check_circle
UPWK
9.7
Revenue GrowthYoY
ACIW
9.1%check_circle
UPWK
1.9%
Gross Margin% of revenue
ACIW
46%
UPWK
77%check_circle
FCF MarginFree cash flow
ACIW
17.0%check_circle
UPWK
7.8%
Operating MarginGAAP
ACIW
15.2%
UPWK
15.7%check_circle
NRRNet retention
ACIW
N/A
UPWK
N/A
EV / RevenueValuation multiple
ACIW
3.5x
UPWK
1.4xcheck_circle
Market CapUSD
ACIW
$5.3Bcheck_circle
UPWK
$1.1B
ARR GrowthYoY
ACIW
N/A
UPWK
N/A
CAC PaybackMonths to recover
ACIW
N/A
UPWK
N/A
insights
Analysis
As of Q2 2026, ACI WORLDWIDE, INC. trades at 3.5x EV/Revenue versus UPWORK, INC at 1.4x. On the Rule of 40, ACI WORLDWIDE, INC. scores 26.1 compared to UPWORK, INC's 9.7, placing ACI WORLDWIDE, INC. ahead in operating efficiency. Gross margins stand at ACI WORLDWIDE, INC. 46% vs UPWORK, INC 77%.
Sector Context
Both companies operate in the Vertical SaaS sector. The median columns above show where each company stands relative to their peers.