ACIW:NSD-ACI Worldwide, Inc (USD)

COMMON STOCK | Software-Infrastructure | NSD

Last Closing Price

USD 34.41

Change

+0.14 (+0.41)%

Market Cap

USD 4.05B

Volume

0.50M

Avg Analyst Target

USD 45.00 (+30.78%)

Avg User Target

USD
Average Analyst Rating

Verdict

Fundamental Analysis

Verdict

About

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. The company offers ACI Acquiring, a merchant management system to deliver digital innovation, improve fraud prevention, and reduce interchange fees; ACI Issuing, a digital payments issuing solution; and ACI Enterprise Payments Platform that provides payment processing and orchestration capabilities for digital payments. It also provides ACI Low Value Real-Time Payments, a platform for processing real-time payments; and ACI High Value Real-Time Payments, a payments engine that offers multi-bank, multi-currency, 24x7 payment processing, and SWIFT messaging. In addition, the company offers ACI Omni Commerce, a scalable, omni-channel payment processing platform; ACI Secure eCommerce solution; ACI Fraud Management, a real-time approach to fraud management; ACI Digital Business Banking, a cloud-based digital banking platform; and ACI Speedpay, an integrated suite of digital billing, payment, disbursement, and communication services. 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, on-site support, product education, and testing services, as well as distributes or acts as a sales agent for software developed by third parties. It markets its products under the ACI Worldwide 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.

Technical Indicators

Unadjusted Closing Price

Adjusted Closing Price

Share Volume

Relative Performance (Total Returns)

Compare
Relative Returns (From:    To: 2021-07-28 )

Largest Industry Peers for Software-Infrastructure

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

-0.32 (-0.11%)

USD2,158.10B 39.05 26.73
ADBE Adobe Inc

+2.64 (+0.43%)

USD294.55B 53.58 49.85
CRWD CrowdStrike Holdings, Inc

+5.74 (+2.23%)

USD60.73B N/A N/A
FTNT Fortinet, Inc

+0.55 (+0.20%)

USD44.28B 91.73 71.71
SNPS Synopsys, Inc

+2.53 (+0.90%)

USD42.90B 54.72 41.32
OKTA Okta, Inc

+2.20 (+0.89%)

USD38.00B N/A N/A
ZS Zscaler, Inc

+3.81 (+1.63%)

USD32.13B N/A N/A
VRSN VeriSign, Inc

-2.93 (-1.34%)

USD24.52B 39.76 29.15
MDB MongoDB, Inc

+3.30 (+0.92%)

USD23.30B N/A N/A
SPLK Splunk Inc

+1.87 (+1.33%)

USD23.04B N/A N/A

ETFs Containing ACIW

Symbol Name Weight Mer Price(Change) Market Cap

N/A

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 -10.46% 32% F 23% F
Dividend Return N/A N/A N/A N/A N/A
Total Return -10.46% 32% F 23% F
Trailing 12 Months  
Capital Gain 23.87% 43% F 45% F
Dividend Return N/A N/A N/A N/A N/A
Total Return 23.87% 43% F 43% F
Trailing 5 Years  
Capital Gain 73.70% 40% F 63% D
Dividend Return N/A N/A N/A N/A N/A
Total Return 73.70% 40% F 60% D-
Average Annual (5 Year Horizon)  
Capital Gain 16.75% 38% F 64% D
Dividend Return N/A N/A N/A N/A N/A
Total Return 16.75% 38% F 62% D-
Risk Return Profile  
Volatility (Standard Deviation) 20.67% 84% B 76% C
Risk Adjusted Return 81.02% 67% D+ 87% B+
Market Capitalization 4.05B 55% F 83% B
Letter Grade Percentage Letter Grade Percentage Letter Grade Percentage
A+ 97%-100% A 93%-96% A- 90%-92%
B+ 87%-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 42.62 60% D- 24% F
Price/Book Ratio 3.48 76% C 41% F
Price / Cash Flow Ratio 12.04 65% D 34% F
EV/EBITDA 15.14 83% B 53% F
Management Effectiveness  
Return on Equity 8.40% 77% C+ 68% D+
Return on Invested Capital 4.88% 68% D+ 66% D
Return on Assets 3.93% 78% C+ 76% C
Debt to Equity Ratio 92.88% 33% F 23% F
Technical Ratios  
Short Ratio 4.80 45% F 26% F
Short Percent 1.98% 80% B- 62% D-
Beta 1.14 42% F 50% 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

No discussions yet

User / Independent Analyst Ratings

User Name Target Rating Target Horizon (Months) Target Price User Analysis Date Comment

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.

Underpriced compared to book value

The stock is trading low compared to its peers on a price to book value basis and is in the top quartile. It may be underpriced but do check its financial performance to make sure there is no specific reason.

Superior return on equity

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

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.

Underpriced on free cash flow basis

The stock is trading low compared to its peers on a price to free cash flow basis and is in the top quartile. It may be underpriced but do check its financial performance to make sure there is no specific reason.

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.

Highly 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.

Low Revenue Growth

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