ACIW:NSD-ACI Worldwide, Inc (USD)

COMMON STOCK | Software-Infrastructure | NSD

Last Closing Price

USD 39.52

Change

-0.78 (-1.94)%

Market Cap

USD 4.71B

Volume

0.50M

Average Target Price

USD 39.38 (-0.37%)
Average Analyst Rating

Verdict

Fundamental Analysis

Verdict

About

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. The company offers UP Retail Payments solution that enables banks and financial intermediaries to accept, authorize, route, and secure payment transactions; and ACI Card and Merchant Management solutions, such as credit, debit, smart card, and prepaid card issuance and management, as well as merchant account management and settlement. It also provides UP Immediate Payments solution that enables banks and payment service providers to meet real-time payment schemes and create various products; and UP Real-Time Payments solution that allows banks to address real-time gross settlement, SWIFT messaging, automated clearing house, and real-time payments. The company offers ACI ReD Shield, a real-time fraud prevention solution; Postilion; ACI PAY.ON Payments Gateway; UP eCommerce Payments solution; UP Payments Risk Management solution; and ACI Universal Online Banker platform. It also provides ACI Speedpay solutions that enable customers to electronically present bills and collect payments from consumers through a single and integrated platform that controls bill payments operation. The company offers electronic bill presentment and payment services to consumer finance, insurance, healthcare, higher education, utility, government, and mortgage sectors; implementation services, including product installations and configurations, and custom software modifications; and 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. It markets its products under the ACI brand. The company was formerly known as Transaction Systems Architects, Inc. and changed its name to ACI Worldwide, Inc. in July 2007. The company was founded in 1975 and is headquartered in Naples, Florida. Address: 3520 Kraft Road, Naples, FL, United States, 34105

Technical Indicators

Unadjusted Closing Price

Adjusted Closing Price

Share Volume

Relative Performance (Total Returns)

Compare
Relative Returns (From:    To: 2021-01-25 )

Largest Industry Peers for Software-Infrastructure

Symbol Name Price(Change) Market Cap Price / Earning Ratio EV/EBITDA
MSFT Microsoft Corporation

+3.58 (+1.58%)

USD1,708.30B 36.45 22.96
ADBE Adobe Inc

+1.00 (+0.21%)

USD226.16B 43.62 44.54
CRWD CrowdStrike Holdings, Inc

-6.03 (-2.70%)

USD49.46B N/A N/A
SNPS Synopsys, Inc

-0.51 (-0.19%)

USD41.34B 63.26 47.78
OKTA Okta, Inc

-0.54 (-0.20%)

USD34.18B N/A N/A
ZS Zscaler, Inc

-9.70 (-4.46%)

USD29.17B N/A N/A
SPLK Splunk Inc

+1.01 (+0.59%)

USD27.64B N/A N/A
FTNT Fortinet, Inc

+0.59 (+0.39%)

USD24.55B 56.45 43.69
MDB MongoDB, Inc

-15.14 (-3.94%)

USD23.15B N/A N/A
VRSN VeriSign, Inc

-2.75 (-1.41%)

USD22.22B 28.09 25.72

ETFs Containing ACIW

Symbol Name Weight Mer Price(Change) Market Cap

Market Performance

  Market Performance vs.
Industry/Classification (Software-Infrastructure)
Market Performance vs. Exchange
  Value Sector Median Percentile Rank Grade Market Median Percentile Rank Grade
YTD  
Capital Gain 2.84% 54% F 36% F
Dividend Return N/A N/A N/A N/A N/A
Total Return 2.84% 54% F 35% F
Trailing 12 Months  
Capital Gain 11.67% 29% F 51% F
Dividend Return N/A N/A N/A N/A N/A
Total Return 11.67% 27% F 50% F
Trailing 5 Years  
Capital Gain 125.57% 51% F 71% C-
Dividend Return N/A N/A N/A N/A N/A
Total Return 125.57% 51% F 70% C-
Average Annual (5 Year Horizon)  
Capital Gain 12.90% 39% F 68% D+
Dividend Return N/A N/A N/A N/A N/A
Total Return 12.90% 39% F 66% D
Risk Return Profile  
Volatility (Standard Deviation) 17.26% 91% A- 74% C
Risk Adjusted Return 74.73% 72% C- 85% B
Market Capitalization 4.71B 55% F 84% B
Letter Grade Percentage Letter Grade Percentage Letter Grade Percentage
A+ 97%-100% A 93%-96% A- 90%-92%
B+ 97%-89% B 83%-86% B- 80%-82%
C+ 77%-79% C 73%-76% C- 70%-72%
D+ 67%-69% D 63%-66% D- 60%-62%
F 0%-59%

Key Financial Ratios

  Ratio vs. Industry/Classification
(Software-Infrastructure)
Ratio vs. Market
  Value Sector Median Percentile Rank Grade Market Median Percentile Rank Grade
Market Value  
Price / Earning Ratio 77.20 49% F 16% F
Price/Book Ratio 4.19 72% C- 40% F
Price / Cash Flow Ratio 34.18 28% F 12% F
EV/EBITDA 18.51 68% D+ 47% F
Management Effectiveness  
Return on Equity 5.59% 74% C 65% D
Return on Invested Capital 5.62% 72% C- 65% D
Return on Assets 3.41% 75% C 77% C+
Debt to Equity Ratio 118.50% 30% F 19% F
Technical Ratios  
Short Ratio 4.21 42% F 32% F
Short Percent 3.81% 62% D- 46% F
Beta 1.27 35% F 44% F
Letter Grade Percentage Letter Grade Percentage Letter Grade Percentage
A+ 97%-100% A 93%-96% A- 90%-92%
B+ 97%-89% B 83%-86% B- 80%-82%
C+ 77%-79% C 73%-76% C- 70%-72%
D+ 67%-69% D 63%-66% D- 60%-62%
F 0%-59%

Annual Financials (USD)

Quarterly Financials (USD)

Analyst Rating

Target Price Action Rating Action Analyst Rating Price Date

Fundamental Analysis Breakdown

This is a composite scorecard based on the application of evaluation criteria deemed most important by analysts. This is not a buy or sell recommendation.

What to like:
Low volatility

The stock’s annual returns have been stable and consistent compared to its sector peers(for a hold period of at least 12 months) and is in the top quartile. Although stability is good, also keep in mind it can limit returns.

Superior return on assets

The company management has delivered better return on assets in the most recent 4 quarters than its peers, placing it in the top quartile.

Positive cash flow

The company had positive total cash flow in the most recent four quarters.

Positive free cash flow

The company had positive total free cash flow in the most recent four quarters.

What to not like:
Below median dividend returns

The company’s average income yield over the past 5 years has been low compared to its peers. However, it is not a problem if you are not looking for income.

Overpriced compared to earnings

The stock is trading high compared to its peers on a price to earning basis and is above the sector median.

Overpriced on cashflow basis

The stock is trading high compared to its peers on a price to cash flow basis. It is priced above the median for its sectors. Proceed with caution if you are considering to buy.

Higly leveraged

The company is in the bottom half compared to its sector peers on debt to equity and is highly leveraged. However, do check the news and look at its sector and management statements. Sometimes this is high because the company is trying to grow aggressively.

Overpriced on free cash flow basis

The stock is trading high compared to its peers on a price to free cash flow basis. It is priced above the median for its sectors. Proceed with caution if you are considering to buy.

Low Revenue Growth

This stock has shown below median revenue growth in the previous 5 years compared to its sector