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Technology - Software - Infrastructure - NASDAQ - US
$ 54.29
-1.29 %
$ 5.69 B
Market Cap
25.73
P/E
1. INTRINSIC VALUE

ACI Worldwide, Inc., a software company, develops, markets, installs, and supports a range of software products and solutions for facilitating digital payments to banks, 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.[ Read More ]

The intrinsic value of one ACIW stock under the base case scenario is HIDDEN Compared to the current market price of 54.3 USD, ACI Worldwide, Inc. is HIDDEN

2. FUNDAMENTAL ANALYSIS

Price Chart ACIW

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FINANCIALS
1.45 B REVENUE
2.16%
223 M OPERATING INCOME
9.41%
122 M NET INCOME
-14.54%
169 M OPERATING CASH FLOW
17.53%
-37.8 M INVESTING CASH FLOW
-62.70%
-112 M FINANCING CASH FLOW
34.79%
452 M REVENUE
20.96%
123 M OPERATING INCOME
126.59%
81.4 M NET INCOME
163.63%
59.1 M OPERATING CASH FLOW
18.59%
-7.66 M INVESTING CASH FLOW
-23.84%
-5.31 M FINANCING CASH FLOW
90.62%
Balance Sheet Decomposition ACI Worldwide, Inc.
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Current Assets 1.41 B
Cash & Short-Term Investments 164 M
Receivables 452 M
Other Current Assets 790 M
Non-Current Assets 2.04 B
Long-Term Investments 332 M
PP&E 72.2 M
Other Non-Current Assets 1.63 B
Current Liabilities 1.04 B
Accounts Payable 46 M
Short-Term Debt 83.8 M
Other Current Liabilities 908 M
Non-Current Liabilities 1.08 B
Long-Term Debt 993 M
Other Non-Current Liabilities 90.5 M
EFFICIENCY
Earnings Waterfall ACI Worldwide, Inc.
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Revenue 1.45 B
Cost Of Revenue 719 M
Gross Profit 733 M
Operating Expenses 513 M
Operating Income 223 M
Other Expenses 101 M
Net Income 122 M
RATIOS
50.49% GROSS MARGIN
50.49%
15.35% OPERATING MARGIN
15.35%
8.37% NET MARGIN
8.37%
9.18% ROE
9.18%
3.53% ROA
3.53%
7.77% ROIC
7.77%
FREE CASH FLOW ANALYSIS
Free Cash Flow Analysis ACI Worldwide, Inc.
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Net Income 122 M
Depreciation & Amortization 134 M
Capital Expenditures -37.8 M
Stock-Based Compensation 24.5 M
Change in Working Capital -114 M
Others -40.7 M
Free Cash Flow 131 M
3. WALL STREET ANALYSTS ESTIMATES
Wall Street Analysts Price Targets ACI Worldwide, Inc.
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Wall Street analysts predict an average 1-year price target for ACIW of $50 , with forecasts ranging from a low of $39 to a high of $60 .
ACIW Lowest Price Target Wall Street Target
39 USD -28.16%
ACIW Average Price Target Wall Street Target
50 USD -7.90%
ACIW Highest Price Target Wall Street Target
60 USD 10.52%
4. DIVIDEND ANALYSIS
0.00% DIVIDEND YIELD
0 USD DIVIDEND PER SHARE
5. COMPETITION
6. Ownership
Insider Ownership ACI Worldwide, Inc.
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Sold
0-3 MONTHS
558 K USD 1
3-6 MONTHS
539 K USD 1
6-9 MONTHS
0 USD 0
9-12 MONTHS
1.44 M USD 2
Bought
0 USD 0
0-3 MONTHS
0 USD 0
3-6 MONTHS
0 USD 0
6-9 MONTHS
0 USD 0
9-12 MONTHS
Date Value Insider Amount Avg Price
4 days ago
Nov 13, 2024
Sell 68.7 K USD
SANCHEZ ADALIO T
Director
- 1200
57.285 USD
4 days ago
Nov 13, 2024
Sell 489 K USD
SANCHEZ ADALIO T
Director
- 8550
57.2461 USD
5 months ago
May 21, 2024
Sell 184 K USD
HALE JAMES C III
Director
- 5000
36.74 USD
5 months ago
May 31, 2024
Sell 355 K USD
HALE JAMES C III
Director
- 10000
35.521 USD
11 months ago
Dec 04, 2023
Sell 494 K USD
Silva Alessandro
Chief Revenue Officer
- 17817
27.7155 USD
11 months ago
Dec 01, 2023
Sell 943 K USD
Behrens Scott W
Chief Financial Officer
- 35003
26.9404 USD
1 year ago
Aug 08, 2023
Sell 79.6 K USD
Guerra Deborah L
Chief Product Officer
- 3426
23.2198 USD
1 year ago
Jun 07, 2023
Bought 80.5 K USD
Warsop Thomas W III
Director, President and CEO
+ 3333
24.1629 USD
1 year ago
Jun 06, 2023
Bought 936 K USD
Warsop Thomas W III
Director, President and CEO
+ 39667
23.5874 USD
1 year ago
Jun 05, 2023
Sell 183 K USD
Guerra Deborah L
Chief Product Officer
- 7939
23.0931 USD
1 year ago
May 17, 2023
Sell 34 K USD
Puppala Ram Kumar
Chief Technology Officer
- 1403
24.21 USD
1 year ago
May 17, 2023
Sell 308 K USD
Puppala Ram Kumar
Chief Technology Officer
- 12667
24.2888 USD
2 years ago
Dec 06, 2021
Sell 1.2 M USD
Behrens Scott W
Chief Financial Officer
- 37905
31.7165 USD
2 years ago
Dec 01, 2021
Bought 57 K USD
Puppala Ram Kumar
Chief Technology Officer
+ 2000
28.49 USD
3 years ago
Nov 08, 2021
Bought 500 K USD
Almeida Odilon
Director, President and CEO
+ 15352
32.59 USD
3 years ago
Jun 23, 2021
Sell 35.4 K USD
Behrens Scott W
Chief Financial Officer
- 929
38.07 USD
3 years ago
Jun 24, 2021
Sell 306 K USD
Behrens Scott W
Chief Financial Officer
- 8056
38.02 USD
3 years ago
Jun 16, 2021
Sell 1.44 M USD
Behrens Scott W
Chief Financial Officer
- 37156
38.77 USD
3 years ago
Jun 17, 2021
Sell 1.44 M USD
Behrens Scott W
Chief Financial Officer
- 37156
38.68 USD
3 years ago
Jun 15, 2021
Sell 170 K USD
Lamouche Didier R
Director
- 4368
39.0311 USD
3 years ago
Jun 07, 2021
Sell 497 K USD
ESTEP JANET O
Director
- 12800
38.8375 USD
3 years ago
May 10, 2021
Sell 1.26 M USD
Wilmot Jeremy
Chief Product Officer
- 32459
38.9414 USD
3 years ago
May 12, 2021
Sell 885 K USD
Wilmot Jeremy
Chief Product Officer
- 22879
38.6651 USD
3 years ago
Dec 04, 2020
Sell 266 K USD
Wilmot Jeremy
Chief Product Officer
- 6863
38.8123 USD
3 years ago
Dec 03, 2020
Bought 99.9 K USD
Bobrinskoy Charles K
Director
+ 2600
38.4326 USD
3 years ago
Nov 23, 2020
Sell 970 K USD
Behrens Scott W
Chief Financial Officer
- 29952
32.37 USD
4 years ago
Nov 16, 2020
Sell 154 K USD
Saks Craig S
Chief Strategy Officer
- 4680
32.8 USD
4 years ago
Nov 11, 2020
Sell 22.1 K USD
Saks Craig S
Chief Strategy Officer
- 648
34.1284 USD
4 years ago
Nov 12, 2020
Sell 2 M USD
Saks Craig S
Chief Strategy Officer
- 64000
31.22 USD
4 years ago
Nov 11, 2020
Sell 349 K USD
Saks Craig S
Chief Strategy Officer
- 10548
33.08 USD
4 years ago
Nov 12, 2020
Sell 1.52 M USD
Saks Craig S
Chief Strategy Officer
- 48293
31.38 USD
4 years ago
Nov 11, 2020
Sell 154 K USD
Saks Craig S
Chief Strategy Officer
- 4671
33 USD
4 years ago
Nov 12, 2020
Sell 458 K USD
Saks Craig S
Chief Strategy Officer
- 14307
32 USD
4 years ago
Nov 11, 2020
Sell 157 K USD
Saks Craig S
Chief Strategy Officer
- 4754
33.0533 USD
4 years ago
Nov 13, 2020
Sell 1.87 M USD
Saks Craig S
Chief Strategy Officer
- 59748
31.38 USD
4 years ago
Aug 24, 2020
Sell 395 K USD
BYRNES DENNIS
EVP, General Counsel & Sec.
- 13152
30.0077 USD
4 years ago
Aug 25, 2020
Sell 1.06 M USD
BYRNES DENNIS
EVP, General Counsel & Sec.
- 35133
30.0465 USD
4 years ago
Jun 19, 2020
Bought 127 K USD
SANCHEZ ADALIO T
Director
+ 4600
27.59 USD
4 years ago
Mar 16, 2020
Bought 748 K USD
Almeida Odilon
President and CEO
+ 30440
24.5892 USD
4 years ago
Dec 11, 2019
Sell 570 K USD
HOMBERGER CAROLYN B
EVP, Chief Risk Officer
- 15748
36.2126 USD
4 years ago
Dec 10, 2019
Sell 123 K USD
HOMBERGER CAROLYN B
EVP, Chief Risk Officer
- 3378
36.270603 USD
5 years ago
Mar 01, 2019
Sell 708 K USD
HEASLEY PHILIP G
CEO and President
- 21929
32.2702 USD
5 years ago
Feb 28, 2019
Sell 4.67 M USD
HEASLEY PHILIP G
CEO and President
- 144643
32.2798 USD
6 years ago
Nov 08, 2018
Sell 169 K USD
HEASLEY PHILIP G
CEO and President
- 5696
29.65 USD
6 years ago
Nov 09, 2018
Sell 2.81 M USD
HEASLEY PHILIP G
CEO and President
- 94304
29.7951 USD
6 years ago
Aug 23, 2018
Sell 607 K USD
HEASLEY PHILIP G
CEO and President
- 21667
28.0009 USD
6 years ago
Aug 17, 2018
Sell 216 K USD
SANCHEZ ADALIO T
Director
- 8000
26.9527 USD
6 years ago
Jul 30, 2018
Sell 115 K USD
HEASLEY PHILIP G
CEO and President
- 4100
28 USD
6 years ago
Jun 08, 2018
Sell 754 K USD
SUWINSKI JAN
Director
- 30000
25.1253 USD
6 years ago
Jun 04, 2018
Sell 369 K USD
SUWINSKI JAN
Director
- 15000
24.586 USD
6 years ago
May 31, 2018
Sell 331 K USD
SUWINSKI JAN
Director
- 13500
24.4931 USD
6 years ago
Jun 01, 2018
Sell 216 K USD
SUWINSKI JAN
Director
- 8786
24.5556 USD
6 years ago
May 30, 2018
Sell 726 K USD
SUWINSKI JAN
Director
- 30000
24.1942 USD
6 years ago
Jun 01, 2018
Sell 370 K USD
SUWINSKI JAN
Director
- 15000
24.6457 USD
6 years ago
May 31, 2018
Sell 187 K USD
SUWINSKI JAN
Director
- 7714
24.301 USD
6 years ago
Feb 28, 2018
Sell 723 K USD
SUWINSKI JAN
Director
- 30000
24.0907 USD
6 years ago
Feb 26, 2018
Sell 248 K USD
Shay John M Jr
Director
- 10000
24.8257 USD
6 years ago
Feb 26, 2018
Sell 592 K USD
Shay John M Jr
Director
- 23781
24.8848 USD
6 years ago
Feb 27, 2018
Sell 366 K USD
Shay John M Jr
Director
- 15000
24.3998 USD
6 years ago
Feb 01, 2018
Sell 692 K USD
SCOTTO ANTHONY M JR
Sr EVP Technology
- 29175
23.73 USD
6 years ago
Dec 15, 2017
Sell 689 K USD
SCOTTO ANTHONY M JR
Sr EVP Technology
- 30000
22.97 USD
6 years ago
Dec 13, 2017
Sell 672 K USD
MCGRODDY JAMES
Director
- 30000
22.4 USD
6 years ago
Dec 11, 2017
Sell 672 K USD
MCGRODDY JAMES
Director
- 30000
22.4041 USD
7 years ago
Nov 09, 2017
Sell 692 K USD
MCGRODDY JAMES
Director
- 30000
23.0745 USD
7 years ago
Aug 18, 2017
Bought 107 K USD
HEASLEY PHILIP G
CEO and President
+ 5000
21.3161 USD
7 years ago
Aug 01, 2017
Sell 464 K USD
Shay John M Jr
Director
- 20000
23.1948 USD
7 years ago
May 08, 2017
Sell 713 K USD
SUWINSKI JAN
Director
- 30000
23.7808 USD
7 years ago
Mar 08, 2017
Sell 660 K USD
Shay John M Jr
Director
- 30000
22 USD
7 years ago
Mar 02, 2017
Sell 6.5 M USD
HEASLEY PHILIP G
CEO and President
- 295137
22.0187 USD
8 years ago
Sep 30, 2016
Sell 683 K USD
Behrens Scott W
SEVP, CFO & CAO
- 35555
19.2235 USD
8 years ago
Jun 15, 2016
Sell 93.7 K USD
Warsop Thomas W III
Director
- 4500
20.8301 USD
8 years ago
Jun 08, 2016
Sell 107 K USD
HEASLEY PHILIP G
CEO and President
- 4863
22 USD
8 years ago
May 10, 2016
Sell 1.5 M USD
HEASLEY PHILIP G
CEO and President
- 73864
20.2778 USD
8 years ago
May 09, 2016
Sell 625 K USD
HEASLEY PHILIP G
CEO and President
- 30956
20.1908 USD
8 years ago
May 11, 2016
Sell 543 K USD
HEASLEY PHILIP G
CEO and President
- 26850
20.2415 USD
8 years ago
May 11, 2016
Sell 1.24 M USD
HEASLEY PHILIP G
CEO and President
- 61151
20.1987 USD
8 years ago
Mar 15, 2016
Sell 181 K USD
HOMBERGER CAROLYN B
Group President AOD
- 9000
20.1283 USD
8 years ago
Dec 14, 2015
Bought 50 K USD
SANCHEZ ADALIO T
Director
+ 2300
21.74 USD
9 years ago
Sep 17, 2015
Bought 99.6 K USD
SANCHEZ ADALIO T
Director
+ 4520
22.04 USD
9 years ago
Aug 25, 2015
Bought 104 K USD
Warsop Thomas W III
Director
+ 5000
20.84 USD
7. News
ACI Worldwide (ACIW) Q3 Earnings: Taking a Look at Key Metrics Versus Estimates The headline numbers for ACI Worldwide (ACIW) give insight into how the company performed in the quarter ended September 2024, but it may be worthwhile to compare some of its key metrics to Wall Street estimates and the year-ago actuals. zacks.com - 1 week ago
ACI Worldwide (ACIW) Q3 Earnings and Revenues Surpass Estimates ACI Worldwide (ACIW) came out with quarterly earnings of $0.97 per share, beating the Zacks Consensus Estimate of $0.60 per share. This compares to earnings of $0.52 per share a year ago. zacks.com - 1 week ago
ACI Worldwide, Inc. Reports Financial Results for the Quarter Ended September 30, 2024 OMAHA, Neb.--(BUSINESS WIRE)--ACI Worldwide (NASDAQ: ACIW), an original innovator in global payments technology, announced financial results today for the quarter ended September 30, 2024. “We are very pleased with our third quarter results and the continued positive momentum in the business. We saw particular strength within our Bank and Merchant segments and are once again raising our full-year outlook,” said Thomas Warsop, president and CEO of ACI Worldwide. “This year the team has done a tr. businesswire.com - 1 week ago
One Equity Partners Completes Sale of Dragonfly Financial Technologies to FIS NEW YORK--(BUSINESS WIRE)-- #banking--One Equity Partners Completes Sale of Dragonfly Financial Technologies to FIS. businesswire.com - 1 week ago
ACIW Gains 15% in 3 Months: How Should Investors Play the Stock? ACI Worldwide is gaining from a consistent stream of contracts, but growing competition and a high valuation may limit the stock's potential for further growth. zacks.com - 3 weeks ago
ACI Worldwide Study Reveals Real-Time Payments To Boost Global GDP By $285.8 Billion, Create 167 Million New Bank Account Holders By 2028 OMAHA, Neb.--(BUSINESS WIRE)--Real-time payments are forecast to generate $285.8 billion of additional global GDP growth and create more than 167 million new bank account holders by 2028, according to a new report published by ACI Worldwide (NASDAQ: ACIW), an original innovator in global payments technology, in collaboration with The Centre for Economics and Business Research (Cebr). ACI Worldwide's second Real-Time Payments: Economic Impact and Financial Inclusion report leverages data from 40. businesswire.com - 3 weeks ago
ACI Worldwide, Inc. to Release Financial Results for the Quarter Ended September 30, 2024 OMAHA, Neb.--(BUSINESS WIRE)--ACI Worldwide (NASDAQ: ACIW), a global leader in mission-critical, real-time payments software, announced today that it will report its financial results for the third quarter 2024 on Thursday, November 7, 2024. Management will host a conference call at 8:30 a.m. Eastern time to discuss these results. Interested persons may access a real-time teleconference webcast at http://investor.aciworldwide.com/ or use the following number for dial-in participation: toll-free. businesswire.com - 1 month ago
ACI Worldwide: Up Over 100% In The Last Year But Still Undervalued I am initiating coverage with a ‘Buy' rating due to their mature business model, expanding margins, and modest valuation despite significant stock appreciation. Financially, ACI has shown renewed revenue growth, margin expansion, and healthy cash generation, positioning them well despite a mature business cycle. Despite past inconsistencies in meeting forecasts, ACI appears undervalued compared to peers, suggesting potential for continued outperformance for long-term investors. seekingalpha.com - 1 month ago
ACIW Soars 55.8% YTD: Should Investors Buy, Hold or Sell the Stock? ACI Worldwide is gaining from a steady flow of contracts, but intensifying competition and lofty valuations may hinder the stock's upward momentum. zacks.com - 2 months ago
ACI Worldwide and Mexipay Extend Partnership to Boost Instant Payments Adoption in Mexico OMAHA, Neb. & MEXICO CITY--(BUSINESS WIRE)--ACI Worldwide (NASDAQ:ACIW), an original innovator in global payments technology, and Mexipay, a leading Mexican financial technology company, have announced the extension of their partnership to enhance Mexico's real-time payments ecosystem, with the aim of driving instant payments adoption and boosting economic growth and financial inclusion for Mexico's businesses and consumers. Mexipay will utilize ACI's Digital Central Infrastructure solution, pa. businesswire.com - 2 months ago
Are Computer and Technology Stocks Lagging ACI Worldwide (ACIW) This Year? Here is how ACI Worldwide (ACIW) and Celestica (CLS) have performed compared to their sector so far this year. zacks.com - 2 months ago
ACI Worldwide (ACIW) Is Up 3.86% in One Week: What You Should Know Does ACI Worldwide (ACIW) have what it takes to be a top stock pick for momentum investors? Let's find out. zacks.com - 3 months ago
8. Profile Summary

ACI Worldwide, Inc. ACIW

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COUNTRY US
INDUSTRY Software - Infrastructure
MARKET CAP $ 5.69 B
Dividend Yield 0.00%
Description ACI Worldwide, Inc., a software company, develops, markets, installs, and supports a range of software products and solutions for facilitating digital payments to banks, 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 based in Coral Gables, Florida.
Contact 2811 Ponce de Leon Blvd, Coral Gables, FL, 33134 https://www.aciworldwide.com
IPO Date Feb. 24, 1995
Employees 3212
Officers Nick Karoglou Head of Communications & Corporate Affairs Ms. Praveena Nathawat Chief Human Resources Officer Mr. Craig A. Maki Chief Development Officer Mr. John Kraft Head of Strategy & Finance Mr. Scott W. Behrens Executive Vice President, Chief Financial Officer & Chief Accounting Officer Mr. Abraham Kuruvilla Executive Vice President and Chief Technology & Operations Officer Mr. Craig Ramsey Head of Real-Time Payments, Product Management Mr. Scotty Perkins Head of Product Management Innovation and Modernization Mr. Alessandro da Silva Executive Vice President & Chief Revenue Officer Mr. Thomas Woodrow Warsop III Chief Executive Officer, President & Director