ACI Worldwide, Inc., a software company, develops, markets, installs, and supports a range of software products and solutions for facilitating electronic payments to banks, financial intermediaries, merchants, and billers worldwide. More Details
Good value with adequate balance sheet.
Share Price & News
How has ACI Worldwide's share price performed over time and what events caused price changes?
Latest Share Price and Events
Stable Share Price: ACIW is less volatile than 75% of US stocks over the past 3 months, typically moving +/- 3% a week.
Volatility Over Time: ACIW's weekly volatility (3%) has been stable over the past year.
7 Day Return
1 Year Return
Return vs Industry: ACIW underperformed the US Software industry which returned 43.7% over the past year.
Return vs Market: ACIW underperformed the US Market which returned 39.1% over the past year.
Long-Term Price Volatility Vs. Market
How volatile is ACI Worldwide's share price compared to the market and industry in the last 5 years?
Simply Wall St News
1 week ago | Simply Wall StHere's Why I Think ACI Worldwide (NASDAQ:ACIW) Is An Interesting Stock
3 weeks ago | Simply Wall StIs ACI Worldwide, Inc.'s (NASDAQ:ACIW) Recent Price Movement Underpinned By Its Weak Fundamentals?
1 month ago | Simply Wall StIs ACI Worldwide, Inc. (NASDAQ:ACIW) Trading At A 23% Discount?
Is ACI Worldwide undervalued compared to its fair value and its price relative to the market?
Undervalued compared to fair value
Share Price vs. Fair Value
Below Fair Value: ACIW ($35.19) is trading below our estimate of fair value ($49.82)
Significantly Below Fair Value: ACIW is trading below fair value by more than 20%.
Price To Earnings Ratio
PE vs Industry: ACIW is good value based on its PE Ratio (43.2x) compared to the US Software industry average (48.2x).
PE vs Market: ACIW is poor value based on its PE Ratio (43.2x) compared to the US market (18.4x).
Price to Earnings Growth Ratio
PEG Ratio: ACIW is poor value based on its PEG Ratio (2.1x)
Price to Book Ratio
PB vs Industry: ACIW is good value based on its PB Ratio (3.5x) compared to the US Software industry average (6.9x).
How is ACI Worldwide forecast to perform in the next 1 to 3 years based on estimates from 5 analysts?
Forecasted annual earnings growth
Earnings and Revenue Growth Forecasts
Analyst Future Growth Forecasts
Earnings vs Savings Rate: ACIW's forecast earnings growth (20.4% per year) is above the savings rate (2%).
Earnings vs Market: ACIW's earnings (20.4% per year) are forecast to grow faster than the US market (15.1% per year).
High Growth Earnings: earnings are expected to grow significantly over the next 3 years.
Revenue vs Market: ACIW's revenue (5.8% per year) is forecast to grow slower than the US market (9.3% per year).
High Growth Revenue: ACIW's revenue (5.8% per year) is forecast to grow slower than 20% per year.
Earnings per Share Growth Forecasts
Future Return on Equity
Future ROE: Insufficient data to determine if ACIW's Return on Equity is forecast to be high in 3 years time
How has ACI Worldwide performed over the past 5 years?
Historical annual earnings growth
Earnings and Revenue History
Quality Earnings: ACIW has a large one-off loss of $37.3M impacting its March 31 2021 financial results.
Growing Profit Margin: ACIW's current net profit margins (7.4%) are higher than last year (5.1%).
Past Earnings Growth Analysis
Earnings Trend: ACIW's earnings have declined by 7.4% per year over the past 5 years.
Accelerating Growth: ACIW's earnings growth over the past year (38.7%) exceeds its 5-year average (-7.4% per year).
Earnings vs Industry: ACIW earnings growth over the past year (38.7%) exceeded the Software industry 34.2%.
Return on Equity
High ROE: ACIW's Return on Equity (7.9%) is considered low.
How is ACI Worldwide's financial position?
Financial Position Analysis
Short Term Liabilities: ACIW's short term assets ($956.3M) exceed its short term liabilities ($716.1M).
Long Term Liabilities: ACIW's short term assets ($956.3M) do not cover its long term liabilities ($1.2B).
Debt to Equity History and Analysis
Debt Level: ACIW's debt to equity ratio (95.8%) is considered high.
Reducing Debt: ACIW's debt to equity ratio has reduced from 109.6% to 95.8% over the past 5 years.
Debt Coverage: ACIW's debt is well covered by operating cash flow (30.4%).
Interest Coverage: ACIW's interest payments on its debt are well covered by EBIT (5x coverage).
What is ACI Worldwide current dividend yield, its reliability and sustainability?
Dividend Yield vs Market
Notable Dividend: Unable to evaluate ACIW's dividend yield against the bottom 25% of dividend payers, as the company has not reported any recent payouts.
High Dividend: Unable to evaluate ACIW's dividend yield against the top 25% of dividend payers, as the company has not reported any recent payouts.
Stability and Growth of Payments
Stable Dividend: Insufficient data to determine if ACIW's dividends per share have been stable in the past.
Growing Dividend: Insufficient data to determine if ACIW's dividend payments have been increasing.
Current Payout to Shareholders
Dividend Coverage: Insufficient data to calculate payout ratio to determine if its dividend payments are covered by earnings.
Future Payout to Shareholders
Future Dividend Coverage: No need to calculate the sustainability of ACIW's dividend in 3 years as they are not forecast to pay a notable one for the US market.
How experienced are the management team and are they aligned to shareholders interests?
Average management tenure
Odilon Almeida (60 yo)
Mr. Odilon Almeida serves as President, Chief Executive Officer and Director of ACI Worldwide, Inc. since March 9, 2020. Mr. Almeida served as Senior Advisor of Western Union Company since June 30, 2019 un...
CEO Compensation Analysis
Compensation vs Market: Odilon's total compensation ($USD7.00M) is above average for companies of similar size in the US market ($USD5.32M).
Compensation vs Earnings: Insufficient data to compare Odilon's compensation with company performance.
Experienced Management: ACIW's management team is considered experienced (2.2 years average tenure).
Experienced Board: ACIW's board of directors are considered experienced (3.5 years average tenure).
Who are the major shareholders and have insiders been buying or selling?
Insider Trading Volume
Insider Buying: ACIW insiders have only sold shares in the past 3 months.
Recent Insider Transactions
Dilution of Shares: Shareholders have not been meaningfully diluted in the past year.
ACI Worldwide, Inc.'s company bio, employee growth, exchange listings and data sources
- Name: ACI Worldwide, Inc.
- Ticker: ACIW
- Exchange: NasdaqGS
- Founded: 1975
- Industry: Application Software
- Sector: Software
- Market Cap: US$4.157b
- Shares outstanding: 118.13m
- Website: https://www.aciworldwide.com
Number of Employees
- ACI Worldwide, Inc.
- 3520 Kraft Road
- Suite 300
- United States
ACI Worldwide, Inc., a software company, develops, markets, installs, and supports a range of software products and solutions for facilitating electronic payments to banks, financial intermediaries, mercha...
Company Analysis and Financial Data Status
|Data||Last Updated (UTC time)|
|Company Analysis||2021/07/25 22:38|
|End of Day Share Price||2021/07/23 00:00|
Unless specified all financial data is based on a yearly period but updated quarterly. This is known as Trailing Twelve Month (TTM) or Last Twelve Month (LTM) Data. Learn more here.