ACI Worldwide, Inc. provides software products and services for facilitating electronic payments to banks, financial intermediaries, merchants, and corporates worldwide.
Good value with reasonable 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's share price has been volatile over the past 3 months.
7 Day Return
1 Year Return
Return vs Industry: ACIW underperformed the US Software industry which returned 5.2% over the past year.
Return vs Market: ACIW underperformed the US Market which returned -15.9% over the past year.
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
3 weeks ago | Simply Wall StHere's What ACI Worldwide, Inc.'s (NASDAQ:ACIW) P/E Is Telling Us
1 month ago | Simply Wall StShould ACI Worldwide (NASDAQ:ACIW) Be Disappointed With Their 39% Profit?
1 month ago | Simply Wall StACI Worldwide, Inc. Full-Year Results Just Came Out: Here's What Analysts Are Forecasting For Next Year
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 ($21.75) is trading below our estimate of fair value ($23.53)
Significantly Below Fair Value: ACIW is trading below fair value, but not by a significant amount.
Price To Earnings Ratio
PE vs Industry: ACIW is good value based on its PE Ratio (37.7x) compared to the Software industry average (37.9x).
PE vs Market: ACIW is poor value based on its PE Ratio (37.7x) compared to the US market (12.2x).
Price to Earnings Growth Ratio
PEG Ratio: ACIW is good value based on its PEG Ratio (0.9x)
Price to Book Ratio
PB vs Industry: ACIW is good value based on its PB Ratio (2.2x) compared to the US Software industry average (4x).
How is ACI Worldwide forecast to perform in the next 1 to 3 years based on estimates from 4 analysts?
Forecasted annual earnings growth
Earnings and Revenue Growth Forecasts
Analyst Future Growth Forecasts
Earnings vs Savings Rate: ACIW's forecast earnings growth (44.1% per year) is above the savings rate (1.7%).
Earnings vs Market: ACIW's earnings (44.1% per year) are forecast to grow faster than the US market (13.4% per year).
High Growth Earnings: earnings are expected to grow significantly over the next 3 years.
Revenue vs Market: ACIW's revenue (11.3% per year) is forecast to grow faster than the US market (7% per year).
High Growth Revenue: ACIW's revenue (11.3% 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 $22.2M impacting its December 31 2019 financial results.
Growing Profit Margin: ACIW's current net profit margins (5.3%) are lower than last year (6.8%).
Past Earnings Growth Analysis
Earnings Trend: ACIW's earnings have declined by -15.1% 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 (-2.7%) over the past year, making it difficult to compare to the Software industry average (18.4%).
Return on Equity
High ROE: ACIW's Return on Equity (5.9%) is considered low.
How is ACI Worldwide's financial position?
Financial Position Analysis
Short Term Liabilities: ACIW's short term assets ($920.4M) exceed its short term liabilities ($612.0M).
Long Term Liabilities: ACIW's short term assets ($920.4M) do not cover its long term liabilities ($1.5B).
Debt to Equity History and Analysis
Debt Level: ACIW's debt to equity ratio (123.1%) is considered high.
Reducing Debt: ACIW's debt to equity ratio has reduced from 155.7% to 123.1% over the past 5 years.
Debt Coverage: ACIW's debt is not well covered by operating cash flow (9.9%).
Interest Coverage: ACIW's interest payments on its debt are not well covered by EBIT (2.8x coverage).
Inventory Level: ACIW has a low level of unsold assets or inventory.
Debt Coverage by Assets: ACIW's debt is not covered by short term assets (assets are 0.7x debt).
What is ACI Worldwide's 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 payouts.
High Dividend: Unable to evaluate ACIW's dividend yield against the top 25% of dividend payers, as the company has not reported any 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 (58yo)
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||10.33yrs||US$2.17m||0.24% $6.0m|
|Chief Administrative Officer||11.25yrs||US$1.85m||0.28% $7.1m|
|Executive VP & Chief Risk Officer||no data||US$1.87m||0.096% $2.4m|
|Chief Strategy & Transformation Officer||0.25yr||US$2.17m||0.060% $1.5m|
|Executive VP||12.25yrs||US$1.26m||0.27% $6.8m|
|President||0.083yr||no data||0.026% $662.0k|
|VP of Investor Relations & Strategic Analysis||no data||no data||no data|
|Vice President of Public Relations||no data||no data||no data|
|Executive VP||no data||no data||0.074% $1.9m|
|Senior Vice President of Business Development||4yrs||no data||no data|
Experienced Management: ACIW's management team is seasoned and experienced (7.2 years average tenure).
|President||0.083yr||no data||0.026% $662.0k|
|Independent Director||4.67yrs||US$325.50k||0.042% $1.1m|
|Independent Director||4.83yrs||US$334.00k||0.044% $1.1m|
|Independent Director||1.83yrs||US$284.00k||0.015% $376.1k|
|Independent Chairman of the Board||3.92yrs||US$410.00k||0.055% $1.4m|
|Independent Director||4.83yrs||US$325.00k||0.043% $1.1m|
|Independent Director||4.83yrs||US$317.50k||0.044% $1.1m|
|Independent Director||4.42yrs||US$325.00k||0.040% $1.0m|
Experienced Board: ACIW's board of directors are considered experienced (4.5 years average tenure).
Who are the major shareholders and have insiders been buying or selling?
Insider Trading Volume
Insider Buying: ACIW insiders have bought more shares than they have sold 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$2.526b
- Shares outstanding: 116.13m
- 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|
|TSA||BRSE (Berne Stock Exchange)||Yes||Common Stock||CH||CHF||Feb 1995|
ACI Worldwide, Inc. provides software products and services for facilitating electronic payments to banks, financial intermediaries, merchants, and corporates worldwide. It offers UP Retail Payments solution that enables banks to accept, authorize, route, and secure payment transactions; and ACI Card and Merchant Management solutions, including credit, debit, smart card, and prepaid card issuance and management, as well as merchant account management and settlement. The company also provides UP Immediate Payments solution, which provides connectivity to country-level real-time payment schemes and create various products; and UP Real-Time Payments solution that allows banks to address RTGS, SWIFT messaging, ACH, and real-time payments. In addition, it offers Postilion; ACI PAY.ON Payments Gateway; ACI ReD Shield, a real-time fraud prevention solution, as well as UP eCommerce Payments solution; and UP Payments Risk Management solution and ACI Universal Online Banker platform. Further, the company provides UP Bill Payment solutions, which enable customers to present bills and collect payments from consumers electronically through a single and integrated platform that controls bill payments operation. Additionally, it offers bill presentment and payment collection services to consumer finance, insurance, healthcare, higher education, tax, and utility sectors; and implementation services, including installations, product configurations, and custom software modifications; business and technical consultancy, and on-site support services, as well as distributes or acts as a sales agent for software developed by third parties. The company markets its products and services under the ACI Worldwide, ACI Universal Payments, and ACI UP brand names. The company was formerly known as Transaction Systems Architects, Inc. and changed its name to ACI Worldwide, Inc. in July 2007. ACI Worldwide, Inc. was founded in 1975 and is headquartered in Naples, Florida.
Company Analysis and Financial Data Status
|Data||Last Updated (UTC time)|
|Company Analysis||2020/04/06 04:39|
|End of Day Share Price||2020/04/03 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.