ACI Worldwide, Inc. 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
Mediocre balance sheet with moderate growth potential.
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 not significantly more volatile than the rest of US stocks over the past 3 months, typically moving +/- 7% a week.
Volatility Over Time: ACIW's weekly volatility (7%) has been stable over the past year.
7 Day Return
1 Year Return
Return vs Industry: ACIW underperformed the US Software industry which returned 45.9% over the past year.
Return vs Market: ACIW underperformed the US Market which returned 22.2% 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
2 days ago | Simply Wall StDid ACI Worldwide, Inc. (NASDAQ:ACIW) Insiders Buy Up More Shares?
2 weeks ago | Simply Wall StAre ACI Worldwide's (NASDAQ:ACIW) Statutory Earnings A Good Reflection Of Its Earnings Potential?
3 weeks ago | Simply Wall StIs ACI Worldwide (NASDAQ:ACIW) A Risky Investment?
Is ACI Worldwide undervalued compared to its fair value and its price relative to the market?
Price to Earnings (PE) ratio
Share Price vs. Fair Value
Below Fair Value: ACIW ($37.94) is trading above our estimate of fair value ($34.28)
Significantly Below Fair Value: ACIW is trading above our estimate of fair value.
Price To Earnings Ratio
PE vs Industry: ACIW is poor value based on its PE Ratio (72.2x) compared to the US Software industry average (54.9x).
PE vs Market: ACIW is poor value based on its PE Ratio (72.2x) compared to the US market (19.4x).
Price to Earnings Growth Ratio
PEG Ratio: ACIW is poor value based on its PEG Ratio (1.8x)
Price to Book Ratio
PB vs Industry: ACIW is good value based on its PB Ratio (3.9x) compared to the US Software industry average (8x).
How is ACI Worldwide forecast to perform in the next 1 to 3 years based on estimates from 7 analysts?
Forecasted annual earnings growth
Earnings and Revenue Growth Forecasts
Analyst Future Growth Forecasts
Earnings vs Savings Rate: ACIW's forecast earnings growth (40.3% per year) is above the savings rate (2.2%).
Earnings vs Market: ACIW's earnings (40.3% per year) are forecast to grow faster than the US market (21.9% per year).
High Growth Earnings: earnings are expected to grow significantly over the next 3 years.
Revenue vs Market: ACIW's revenue (5.2% per year) is forecast to grow slower than the US market (10.2% per year).
High Growth Revenue: ACIW's revenue (5.2% 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 $25.2M impacting its September 30 2020 financial results.
Growing Profit Margin: ACIW's current net profit margins (4.7%) are lower than last year (8.4%).
Past Earnings Growth Analysis
Earnings Trend: ACIW's earnings have declined by 13.2% per year over the past 5 years.
Accelerating Growth: ACIW's has had negative earnings growth over the past year, so it can't be compared to its 5-year average.
Earnings vs Industry: ACIW had negative earnings growth (-38.3%) over the past year, making it difficult to compare to the Software industry average (8%).
Return on Equity
High ROE: ACIW's Return on Equity (5.4%) is considered low.
How is ACI Worldwide's financial position?
Financial Position Analysis
Short Term Liabilities: ACIW's short term assets ($870.3M) exceed its short term liabilities ($590.2M).
Long Term Liabilities: ACIW's short term assets ($870.3M) do not cover its long term liabilities ($1.4B).
Debt to Equity History and Analysis
Debt Level: ACIW's debt to equity ratio (114.4%) is considered high.
Reducing Debt: ACIW's debt to equity ratio has reduced from 135.7% to 114.4% over the past 5 years.
Debt Coverage: ACIW's debt is not well covered by operating cash flow (18.8%).
Interest Coverage: ACIW's interest payments on its debt are well covered by EBIT (3.5x 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 (59 yo)
Mr. Odilon Almeida serves as President, Chief Executive Officer and Director of ACI Worldwide, Inc. since March 9, 2020. He served as Senior Advisor of Western Union Company since June 30, 2019 until Septe...
|Executive VP||11yrs||US$2.64m||0.25% |
|Executive VP & Group President of ACI On Premise||no data||US$1.97m||0.029% |
|Chief Strategy & Transformation Officer||0.92yr||US$3.56m||0% |
|Group President of Billers & Merchants and ACI On-Demand P&L||4.17yrs||US$2.05m||0.030% |
|President||0.75yr||no data||0.026% |
|VP of Investor Relations & Strategic Analysis||no data||no data||no data|
|Executive VP & General Counsel||17.5yrs||US$1.85m||0.28% |
|Vice President of Public Relations||no data||no data||no data|
|Chief Human Resources Officer||0.25yr||no data||no data|
|Executive VP & Chief Risk Officer||no data||US$1.87m||0.095% |
|Senior Vice President of Business Development||4.67yrs||no data||no data|
|Executive VP & Chief Product Officer||2.42yrs||no data||0.034% |
Experienced Management: ACIW's management team is considered experienced (3.3 years average tenure).
|President||0.75yr||no data||0.026% |
|Independent Director||5.33yrs||US$324.99k||0.050% |
|Independent Director||5.5yrs||US$333.99k||0.051% |
|Independent Director||2.5yrs||US$317.99k||0.022% |
|Independent Chairman of the Board||4.58yrs||US$409.99k||0.063% |
|Independent Director||0.17yr||no data||no data|
|Independent Director||0.17yr||no data||no data|
|Independent Director||5.5yrs||US$332.99k||0.054% |
|Independent Director||5.5yrs||US$316.99k||0.051% |
|Independent Director||5.08yrs||US$324.99k||0.047% |
Experienced Board: ACIW's board of directors are considered experienced (4.8 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$4.430b
- Shares outstanding: 116.76m
- Website: https://www.aciworldwide.com
Number of Employees
- ACI Worldwide, Inc.
- 3520 Kraft Road
- Suite 300
- United States
|Ticker||Exchange||Primary Security||Security Type||Country||Currency||Listed on|
|ACIW||NasdaqGS (Nasdaq Global Select)||Yes||Common Stock||US||USD||Feb 1995|
|TSA||DB (Deutsche Boerse AG)||Yes||Common Stock||DE||EUR||Feb 1995|
ACI Worldwide, Inc. develops, markets, installs, and supports a range of software products and solutions for facilitating electronic payments to banks, financial intermediaries, merchants, and billers worl...
Company Analysis and Financial Data Status
|Data||Last Updated (UTC time)|
|Company Analysis||2020/12/04 00:16|
|End of Day Share Price||2020/12/03 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.