(ACIW) ACI Worldwide - Ratings and Ratios
Payments, Fraud, Billers, Merchants, Banks
ACIW EPS (Earnings per Share)
ACIW Revenue
Description: ACIW ACI Worldwide
ACI Worldwide Inc (NASDAQ:ACIW) is a leading provider of software products and services that facilitate electronic payments globally. The companys comprehensive suite of solutions caters to various segments, including banks, merchants, and billers, enabling them to process digital payments efficiently. ACI Worldwides product portfolio includes ACI Acquiring, ACI Issuing, and ACI Enterprise Payments Platform, which provide payment processing, fraud prevention, and regulatory compliance capabilities.
From a business perspective, ACI Worldwides revenue streams are diversified across various industries, including consumer finance, insurance, healthcare, and utilities. The companys electronic bill presentment and payment services are widely used across these sectors. Additionally, ACI Worldwide offers value-added services such as product installations, custom software modifications, and consultancy services, which contribute to its revenue.
Key Performance Indicators (KPIs) that can be used to evaluate ACI Worldwides performance include revenue growth, customer acquisition rates, and the adoption of its digital payment solutions. The companys ability to innovate and expand its product offerings to meet evolving market demands is also crucial. With a market capitalization of $4.7 billion and a return on equity (ROE) of 19.71%, ACI Worldwide demonstrates a strong financial position. Its price-to-earnings (P/E) ratio of 17.77 suggests a relatively stable valuation.
To further analyze ACI Worldwides prospects, it is essential to monitor its ability to maintain a competitive edge in the rapidly evolving digital payments landscape. The companys investments in research and development, as well as its strategic partnerships and acquisitions, will be critical in driving future growth. By examining these factors, investors can gain a deeper understanding of ACI Worldwides potential for long-term success.
ACIW Stock Overview
| Market Cap in USD | 5,074m |
| Sub-Industry | Application Software |
| IPO / Inception | 1995-02-23 |
ACIW Stock Ratings
| Growth Rating | 30.3% |
| Fundamental | 75.5% |
| Dividend Rating | - |
| Return 12m vs S&P 500 | -14.3% |
| Analyst Rating | 4.14 of 5 |
ACIW Dividends
Currently no dividends paidACIW Growth Ratios
| Growth Correlation 3m | 66% |
| Growth Correlation 12m | -57.1% |
| Growth Correlation 5y | 34.1% |
| CAGR 5y | 32.71% |
| CAGR/Max DD 3y | 1.03 |
| CAGR/Mean DD 3y | 3.38 |
| Sharpe Ratio 12m | 0.16 |
| Alpha | 0.16 |
| Beta | 0.394 |
| Volatility | 31.47% |
| Current Volume | 833.5k |
| Average Volume 20d | 812.6k |
| Stop Loss | 48.2 (-3.1%) |
| Signal | 0.34 |
Piotroski VR‑10 (Strict, 0-10) 8.0
| Net Income (251.1m TTM) > 0 and > 6% of Revenue (6% = 102.0m TTM) |
| FCFTA 0.10 (>2.0%) and ΔFCFTA 2.72pp (YES ≥ +1.0pp, WARN ≥ +0.5pp) |
| NWC/Revenue 21.76% (prev 22.05%; Δ -0.28pp) (YES ≤20% & Δ≤-1pp; WARN ≤25% & Δ≤0 oder ≤40% & Δ≤-3pp) |
| CFO/TA 0.10 (>3.0%) and CFO 313.5m > Net Income 251.1m (YES >=105%, WARN >=100%) |
| Net Debt (756.6m) to EBITDA (445.6m) ratio: 1.70 <= 3.0 (WARN <= 3.5) |
| Current Ratio 1.48 (target 1.5–3.0; WARN 1.2–<1.5 or >3.0–5.0; CFO/TA gate active) |
| Outstanding Shares last Quarter (105.1m) change vs 12m ago -1.00% (target <= -2.0% for YES) |
| Gross Margin 48.86% (prev 47.02%; Δ 1.84pp) >=18% & Δ>=+0.5pp (WARN >=15% & Δ>=0) |
| Asset Turnover 52.30% (prev 45.45%; Δ 6.86pp) >=50% & Δ>=+2pp (WARN >=35% & Δ>=0) |
| Interest Coverage Ratio 5.21 (EBITDA TTM 445.6m / Interest Expense TTM 64.2m) >= 6 (WARN >= 3) |
Altman Z'' 4.14
| (A) 0.12 = (Total Current Assets 1.14b - Total Current Liabilities 774.6m) / Total Assets 3.14b |
| (B) 0.53 = Retained Earnings (Balance) 1.67b / Total Assets 3.14b |
| (C) 0.10 = EBIT TTM 334.5m / Avg Total Assets 3.25b |
| (D) 0.90 = Book Value of Equity 1.57b / Total Liabilities 1.74b |
| Total Rating: 4.14 = (6.56 * A) + (3.26 * B) + (6.72 * C) + (1.05 * D) |
ValueRay F-Score (Strict, 0-100) 75.53
| 1. Piotroski 8.0pt = 3.0 |
| 2. FCF Yield 5.36% = 2.68 |
| 3. FCF Margin 18.29% = 4.57 |
| 4. Debt/Equity 0.66 = 2.29 |
| 5. Debt/Ebitda 2.07 = -0.14 |
| 6. ROIC - WACC (= 5.16)% = 6.45 |
| 7. RoE 17.84% = 1.49 |
| 8. Rev. Trend 45.37% = 3.40 |
| 9. EPS Trend 35.72% = 1.79 |
What is the price of ACIW shares?
Over the past week, the price has changed by -0.66%, over one month by +5.31%, over three months by +10.60% and over the past year by +1.59%.
Is ACI Worldwide a good stock to buy?
Based on momentum, paid dividends and discounted-cash-flow analyses, the fair value of ACIW is around 49.40 USD . This means that ACIW is currently overvalued and has a potential downside of -0.72%.
Is ACIW a buy, sell or hold?
- Strong Buy: 4
- Buy: 0
- Hold: 3
- Sell: 0
- Strong Sell: 0
What are the forecasts/targets for the ACIW price?
| Issuer | Target | Up/Down from current |
|---|---|---|
| Wallstreet Target Price | 64.6 | 29.8% |
| Analysts Target Price | 64.6 | 29.8% |
| ValueRay Target Price | 54.1 | 8.7% |
Last update: 2025-09-05 04:30
ACIW Fundamental Data Overview
CCE Cash And Equivalents = 189.7m USD (Cash And Short Term Investments, last quarter)
P/E Trailing = 20.8347
P/E Forward = 14.3678
P/S = 2.9836
P/B = 3.6271
P/EG = -3.24
Beta = 1.076
Revenue TTM = 1.70b USD
EBIT TTM = 334.5m USD
EBITDA TTM = 445.6m USD
Long Term Debt = 857.1m USD (from longTermDebt, last quarter)
Short Term Debt = 65.6m USD (from shortTermDebt, last quarter)
Debt = 922.7m USD (Calculated: Short Term 65.6m + Long Term 857.1m)
Net Debt = 756.6m USD (from netDebt column, last quarter)
Enterprise Value = 5.81b USD (5.07b + Debt 922.7m - CCE 189.7m)
Interest Coverage Ratio = 5.21 (Ebit TTM 334.5m / Interest Expense TTM 64.2m)
FCF Yield = 5.36% (FCF TTM 311.0m / Enterprise Value 5.81b)
FCF Margin = 18.29% (FCF TTM 311.0m / Revenue TTM 1.70b)
Net Margin = 14.76% (Net Income TTM 251.1m / Revenue TTM 1.70b)
Gross Margin = 48.86% ((Revenue TTM 1.70b - Cost of Revenue TTM 869.7m) / Revenue TTM)
Tobins Q-Ratio = 3.70 (Enterprise Value 5.81b / Book Value Of Equity 1.57b)
Interest Expense / Debt = 1.57% (Interest Expense 14.5m / Debt 922.7m)
Taxrate = 18.89% (47.3m / 250.4m)
NOPAT = 271.4m (EBIT 334.5m * (1 - 18.89%))
Current Ratio = 1.48 (Total Current Assets 1.14b / Total Current Liabilities 774.6m)
Debt / Equity = 0.66 (Debt 922.7m / last Quarter total Stockholder Equity 1.39b)
Debt / EBITDA = 2.07 (Net Debt 756.6m / EBITDA 445.6m)
Debt / FCF = 2.97 (Debt 922.7m / FCF TTM 311.0m)
Total Stockholder Equity = 1.41b (last 4 quarters mean)
RoA = 8.00% (Net Income 251.1m, Total Assets 3.14b )
RoE = 17.84% (Net Income TTM 251.1m / Total Stockholder Equity 1.41b)
RoCE = 14.77% (Ebit 334.5m / (Equity 1.41b + L.T.Debt 857.1m))
RoIC = 11.68% (NOPAT 271.4m / Invested Capital 2.32b)
WACC = 6.52% (E(5.07b)/V(6.00b) * Re(7.47%)) + (D(922.7m)/V(6.00b) * Rd(1.57%) * (1-Tc(0.19)))
Shares Correlation 3-Years: -63.64 | Cagr: -0.76%
Discount Rate = 7.47% (= CAPM, Blume Beta Adj.) -> floored to rf + ERP 8.05%
[DCF Debug] Terminal Value 81.43% ; FCFE base≈283.4m ; Y1≈349.6m ; Y5≈596.5m
Fair Price DCF = 98.31 (DCF Value 10.15b / Shares Outstanding 103.2m; 5y FCF grow 25.0% → 3.0% )
EPS Correlation: 35.72 | EPS CAGR: 52.33% | SUE: 2.69 | # QB: 9
Revenue Correlation: 45.37 | Revenue CAGR: 10.28% | SUE: 1.28 | # QB: 2
Additional Sources for ACIW Stock
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