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ACI Worldwide, Inc. ACIW
Technology - Software - Infrastructure - NASDAQ - US
Watchlist
$ 49.7
-0.957 %
$ 5.24 B
Market Cap
26.02
P/E
1. INTRINSIC VALUE

This DCF valuation model was last updated on Apr, 8, 2025.

The intrinsic value of one ACIW stock under the worst case scenario is HIDDEN Compared to the current market price of 49.7 USD, ACI Worldwide, Inc. is HIDDEN

ACIW Intrinsic Value
HIDDEN
SHOW

This DCF valuation model was last updated on Apr, 8, 2025.

The intrinsic value of one ACIW stock under the base case scenario is HIDDEN Compared to the current market price of 49.7 USD, ACI Worldwide, Inc. is HIDDEN

ACIW Intrinsic Value
HIDDEN
SHOW

This DCF valuation model was last updated on Apr, 8, 2025.

The intrinsic value of one ACIW stock under the best case scenario is HIDDEN Compared to the current market price of 49.7 USD, ACI Worldwide, Inc. is HIDDEN

ACIW Intrinsic Value
HIDDEN
SHOW
2. FUNDAMENTAL ANALYSIS

Price Chart ACIW

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1M -7.0%
6M -5%
1Y 56.0%
3Y 75%
5Y 103%
All
$60.0$60.0$58.0$58.0$56.0$56.0$54.0$54.0$52.0$52.0$50.0$50.0$48.0$48.015 Oct15 OctNov '24Nov '2415 Nov15 NovDec '24Dec '2415 Dec15 DecJan '25Jan '2515 Jan15 JanFeb '25Feb '2515 Feb15 FebMar '25Mar '2515 Mar15 MarApr '25Apr '25
FINANCIALS
1.59 B REVENUE
9.76%
Growth Rates
1Year 9.76%
3Years 5.17%
5Years 4.85%
7Years 6.53%
10Years 4.61%
308 M OPERATING INCOME
38.17%
Growth Rates
1Year 38.17%
3Years 13.65%
5Years 20.01%
7Years 20.27%
10Years 8.35%
203 M NET INCOME
67.16%
Growth Rates
1Year 67.16%
3Years 16.70%
5Years 24.81%
7Years 69.11%
10Years 11.64%
359 M OPERATING CASH FLOW
112.89%
Growth Rates
1Year 112.89%
3Years 17.62%
5Years 21.12%
7Years 13.68%
10Years 9.18%
-45.1 M INVESTING CASH FLOW
-19.26%
Growth Rates
1Year -19.26%
3Years 0.23%
5Years 44.17%
7Years 2.66%
10Years 15.43%
-288 M FINANCING CASH FLOW
-158.35%
Growth Rates
1Year -158.35%
3Years -3.91%
5Years -7.44%
7Years -16.64%
10Years -16.71%
453 M REVENUE
0.28%
Growth Rates
1Year 9.76%
3Years 5.17%
5Years 4.85%
7Years 6.53%
10Years 4.61%
122 M OPERATING INCOME
-0.24%
Growth Rates
1Year 38.17%
3Years 13.65%
5Years 20.01%
7Years 20.27%
10Years 8.35%
98.6 M NET INCOME
21.03%
Growth Rates
1Year 67.16%
3Years 16.70%
5Years 24.81%
7Years 69.11%
10Years 11.64%
126 M OPERATING CASH FLOW
113.84%
Growth Rates
1Year 112.89%
3Years 17.62%
5Years 21.12%
7Years 13.68%
10Years 9.18%
-13.4 M INVESTING CASH FLOW
-75.00%
Growth Rates
1Year -19.26%
3Years 0.23%
5Years 44.17%
7Years 2.66%
10Years 15.43%
-118 M FINANCING CASH FLOW
-2116.30%
Growth Rates
1Year -158.35%
3Years -3.91%
5Years -7.44%
7Years -16.64%
10Years -16.71%
Balance Sheet ACI Worldwide, Inc.
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Current Assets 991 M
Cash & Short-Term Investments 216 M
Receivables 414 M
Other Current Assets 360 M
Non-Current Assets 2.03 B
Long-Term Investments 0
PP&E 63.9 M
Other Non-Current Assets 1.97 B
7.15 %13.70 %11.90 %65.14 %Total Assets$3.0b
Current Liabilities 603 M
Accounts Payable 45.4 M
Short-Term Debt 34.9 M
Other Current Liabilities 522 M
Non-Current Liabilities 998 M
Long-Term Debt 912 M
Other Non-Current Liabilities 86.1 M
2.84 %32.62 %56.98 %5.38 %Total Liabilities$1.6b
EFFICIENCY
Earnings Waterfall ACI Worldwide, Inc.
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Revenue 1.59 B
Cost Of Revenue 792 M
Gross Profit 803 M
Operating Expenses 494 M
Operating Income 308 M
Other Expenses 105 M
Net Income 203 M
2b2b1b1b1b1b1b1b800m800m600m600m400m400m200m200m002b(792m)803m(494m)308m(105m)203mRevenueRevenueCost Of RevenueCost Of RevenueGross ProfitGross ProfitOperating ExpensesOperating ExpensesOperating IncomeOperating IncomeOther ExpensesOther ExpensesNet IncomeNet Income
RATIOS
50.34% GROSS MARGIN
50.34%
Averages
1Year 50.34%
3Years 50.62%
5Years 51.43%
7Years 52.21%
10Years 53.19%
19.33% OPERATING MARGIN
19.33%
Averages
1Year 19.33%
3Years 16.34%
5Years 15.10%
7Years 13.97%
10Years 14.03%
12.74% NET MARGIN
12.74%
Averages
1Year 12.74%
3Years 10.37%
5Years 9.21%
7Years 8.31%
10Years 7.97%
14.26% ROE
14.26%
Averages
1Year 14.26%
3Years 11.78%
5Years 10.33%
7Years 9.16%
10Years 9.50%
6.71% ROA
6.71%
Averages
1Year 6.71%
3Years 4.89%
5Years 4.17%
7Years 3.74%
10Years 3.75%
10.17% ROIC
10.17%
Averages
1Year 10.17%
3Years 7.77%
5Years 6.75%
7Years 6.16%
10Years 5.90%
FREE CASH FLOW ANALYSIS
Free Cash Flow Analysis ACI Worldwide, Inc.
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350m350m300m300m250m250m200m200m150m150m100m100m50m50m0020162016201720172018201820192019202020202021202120222022202320232024202420252025
Net Income 203 M
Depreciation & Amortization 121 M
Capital Expenditures -15.4 M
Stock-Based Compensation 41.3 M
Change in Working Capital 1.98 M
Others 30.7 M
Free Cash Flow 343 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 $55.2 , with forecasts ranging from a low of $48 to a high of $60 .
ACIW Lowest Price Target Wall Street Target
48 USD -3.42%
ACIW Average Price Target Wall Street Target
55.2 USD 11.17%
ACIW Highest Price Target Wall Street Target
60 USD 20.72%
Price
Max Price Target
Min Price Target
Average Price Target
6060555550504545404035353030May '24May '24Jul '24Jul '24Aug '24Aug '24Oct '24Oct '24Nov '24Nov '2420252025Feb '25Feb '25Apr '25Apr '25Jun '25Jun '25Jul '25Jul '25Aug '25Aug '25Oct '25Oct '25Nov '25Nov '2520262026Feb '26Feb '26Apr '26Apr '26
4. DIVIDEND ANALYSIS
5. COMPETITION
slide 2 of 7
6. Ownership
Insider Ownership ACI Worldwide, Inc.
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Sold
0-3 MONTHS
745 K USD 1
3-6 MONTHS
4.24 M USD 3
6-9 MONTHS
0 USD 0
9-12 MONTHS
539 K USD 1
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
7. News
3 Software Stocks to Watch Amid Troubled Industry Trends Industry Description zacks.com - 3 weeks ago
Bullish On ACI Worldwide's Innovating Bet In Global Payments ACI Worldwide is well established, operating across 94 countries and delivering payment solutions to banks, merchants, and billers globally. They're also merging their Bank and Merchant segments into a unified Payment Software unit for operational efficiency. Interestingly, ACIW is also preparing a new product called Kinetic, which is a cloud-native payments hub aimed at driving high-volume, real-time processing. seekingalpha.com - 3 weeks ago
Can ACI Worldwide (ACIW) Run Higher on Rising Earnings Estimates? ACI Worldwide (ACIW) shares have started gaining and might continue moving higher in the near term, as indicated by solid earnings estimate revisions. zacks.com - 3 weeks ago
ACI Worldwide and Co-op Extend Strategic Technology Partnership OMAHA, Neb. & LONDON--(BUSINESS WIRE)--ACI Worldwide (NASDAQ:ACIW), an original innovator in global payments technology, and leading U.K. convenience retailer Co-op have announced an extension of their strategic technology partnership. The agreement will see Co-op continue to use the full range of solutions offered by ACI's Payments Orchestration Platform, including in-store, online and mobile payment processing as well as end-to-end payments and fraud management. Co-op operates around 2400 sto. businesswire.com - 3 weeks ago
Is ACI Worldwide (ACIW) Stock Outpacing Its Computer and Technology Peers This Year? Here is how ACI Worldwide (ACIW) and Jabil (JBL) have performed compared to their sector so far this year. zacks.com - 3 weeks ago
Finding Great Value Stocks to Buy Amid the Stock Market Selloff Showing investors how to screen for stocks that offer the potentially winning combination of remarkable value and improving earnings outlooks to buy in March and beyond. zacks.com - 1 month ago
ACI Worldwide and Ingo Payments to Power Faster, Flexible Digital Disbursements OMAHA, Neb.--(BUSINESS WIRE)--ACI Worldwide (NASDAQ: ACIW), an original innovator in global payments technology, and Ingo Payments, a leading provider of embedded banking and money mobility solutions, today announced a partnership to provide a flexible, fast and secure digital disbursements solution: ACI Speedpay Digital Disbursements. This new solution is a value-added feature as part of the ACI Speedpay platform to help businesses scale their disbursement operations efficiently to meet custom. businesswire.com - 1 month ago
Anti-Money Laundering Industry Forecast 2025-2029 & 2034 - NICE Actimize, Tata Consultancy Services, Trulioo, ACI Worldwide, and SAS Institute Lead the $5.98 Billion Market Dublin, March 06, 2025 (GLOBE NEWSWIRE) -- The "Anti-Money Laundering Market Report 2025" has been added to ResearchAndMarkets.com's offering. The anti-money laundering market size has grown rapidly in recent years. It will grow from $2.92 billion in 2024 to $3.39 billion in 2025 at a compound annual growth rate (CAGR) of 16%. The growth in the historic period can be attributed to globalization of financial transactions, rise in financial crimes, increased digital transactions, government initiatives and enforcement, regulatory compliance requirements. The anti-money laundering market size is expected to see rapid growth in the next few years. It will grow to $5.98 billion in 2029 at a compound annual growth rate (CAGR) of 15.2%. The growth in the forecast period can be attributed to real-time transaction monitoring, enhancing know your customer (KYC) processes, automated regulatory reporting, increasing focus on trade-based money laundering, enhanced customer monitoring. Major trends in the forecast period include emphasis on transaction monitoring and analysis, cryptocurrency and virtual asset AML solutions, deployment of regulatory technology (RegTech), biometric authentication in AML processes, automated suspicious activity reporting (SAR). The surge in digital payments and internet banking activities is projected to drive the expansion of the anti-money laundering market. For example, in February 2023, India's Ministry of Electronics and Information Technology reported a notable increase in digital payment transactions, recording 8,840 crore transactions in the financial year 2021-22, up from 5,554 crore in the preceding fiscal year. Consequently, the intensified emphasis on digital payment and internet banking is propelling the growth of the anti-money laundering market. The rise in cyber threats is expected to fuel the expansion of the anti-money laundering market. Notably, in February 2023, the Australian Cyber Security Centre observed a significant surge in cybercrime reports, tallying 76,000 cases in 2022, marking a 13% increase from the previous year. Moreover, in January 2022, Check Point Research highlighted a 50% upsurge in corporate hacking attacks per week during 2021. As a result, the escalating number of cyber threats is fostering growth within the anti-money laundering market. Major players in the anti-money laundering (AML) market are embracing novel technological solutions, such as AI-powered AML products, to fortify their market presence. For instance, in June 2023, Google LLC's Google Cloud Platform introduced an AI-powered AML product. This innovation harnesses machine learning capabilities to generate risk scores, effectively pinpointing high-risk customers. Moreover, this product delivers real-time alerts concerning the most critical money laundering risks and identifies shifts in transactional data and illicit activities. In May 2023, Verified, a prominent US-based provider specializing in anti-money laundering (AML) and Know Your Customer (KYC) digital solutions, finalized the acquisition of Pliance for an undisclosed sum. This strategic acquisition by Verified aims to streamline and automate crucial business procedures using digital signatures while integrating advanced AML automation functionalities. Pliance, a Swedish regtech company, specializes in offering automated financial crime compliance solutions, particularly in the domain of anti-money laundering (AML) automation. North America was the largest region in the anti-money laundering market in 2024. The regions covered in the anti-money laundering market report are Asia-Pacific, Western Europe, Eastern Europe, North America, South America, Middle East, Africa. The countries covered in the anti-money laundering market report are Australia, Brazil, China, France, Germany, India, Indonesia, Japan, Russia, South Korea, UK, USA, Canada, Italy, Spain. globenewswire.com - 1 month ago
ACI Worldwide, Inc. (ACIW) Q4 2024 Earnings Call Transcript ACI Worldwide, Inc. (NASDAQ:ACIW ) Q4 2024 Earnings Conference Call February 27, 2025 8:30 AM ET Company Participants John Kraft – Senior Vice President, Head-Strategy and Finance Tom Warsop – President and Chief Executive Officer Scott Behrens – Chief Financial Officer Conference Call Participants Peter Heckmann – D.A. Davidson Trevor Williams – Jefferies Jeff Cantwell – Seaport Research Partners George Sutton – Craig-Hallum Operator Good morning. seekingalpha.com - 1 month ago
Here's What Key Metrics Tell Us About ACI Worldwide (ACIW) Q4 Earnings Although the revenue and EPS for ACI Worldwide (ACIW) give a sense of how its business performed in the quarter ended December 2024, it might be worth considering how some key metrics compare with Wall Street estimates and the year-ago numbers. zacks.com - 1 month ago
ACI Worldwide (ACIW) Q4 Earnings and Revenues Surpass Estimates ACI Worldwide (ACIW) came out with quarterly earnings of $1.08 per share, beating the Zacks Consensus Estimate of $0.79 per share. This compares to earnings of $1.27 per share a year ago. zacks.com - 1 month ago
ACI Worldwide, Inc. Reports Financial Results for the Quarter and Full Year Ended December 31, 2024 OMAHA, Neb.--(BUSINESS WIRE)--ACI Worldwide (NASDAQ: ACIW), an original innovator in global payments technology, announced financial results today for the quarter and full year ended December 31, 2024. "We are proud to have finished 2024 with stronger results than we expected across our key financial metrics, and that strength has continued as we start 2025. In 2024, we grew revenue 10%, increased adjusted EBITDA margin by more than 300 basis points to 41%, and more than doubled our cash flow t. businesswire.com - 1 month ago
8. Profile Summary

ACI Worldwide, Inc. ACIW

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COUNTRY US
INDUSTRY Software - Infrastructure
MARKET CAP $ 5.24 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 3103
Officers Nick Karoglou Head of Communications & Corporate Affairs Mr. Dennis P. Byrnes J.D. Executive Vice President, Chief Legal and Risk Officer, General Counsel & Secretary Mr. John Kraft Head of Strategy & Finance Mr. Alessandro da Silva Executive Vice President & Chief Revenue Officer Mr. Craig A. Maki Chief Development Officer Ms. Praveena Nathawat Chief Human Resources Officer Mr. Abraham Kuruvilla Executive Vice President and Chief Technology & Operations Officer Mr. Craig Ramsey Head of Real-Time Payments, Product Management Mr. Thomas Woodrow Warsop III Chief Executive Officer, President & Director Mr. Scott W. Behrens Executive Vice President, Chief Financial Officer & Chief Accounting Officer