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GuruFocus Financial Strength Rank measures how strong a company’s financial situation is. It is based on these factors

1. The debt burden that the company has as measured by its Interest coverage (current year).
2. Debt to revenue ratio. The lower, the better
3. Altman Z-score.

A company ranks high with financial strength is likely to withstand any business slowdowns and recessions.

Financial Strength : 5/10

vs
industry
vs
history
Cash to Debt 0.16
ACIW's Cash to Debt is ranked lower than
64% of the 1618 Companies
in the Global Software - Application industry.

( Industry Median: 25.64 vs. ACIW: 0.16 )
ACIW' s 10-Year Cash to Debt Range
Min: 0.13   Max: 67.49
Current: 0.16

0.13
67.49
Equity to Asset 0.32
ACIW's Equity to Asset is ranked lower than
58% of the 1589 Companies
in the Global Software - Application industry.

( Industry Median: 0.60 vs. ACIW: 0.32 )
ACIW' s 10-Year Equity to Asset Range
Min: 0.02   Max: 0.7
Current: 0.32

0.02
0.7
Interest Coverage 4.52
ACIW's Interest Coverage is ranked lower than
61% of the 1077 Companies
in the Global Software - Application industry.

( Industry Median: 403.68 vs. ACIW: 4.52 )
ACIW' s 10-Year Interest Coverage Range
Min: 0.36   Max: 290.69
Current: 4.52

0.36
290.69
F-Score: 4
Z-Score: 2.07
M-Score: -2.59
GuruFocus Profitability Rank ranks how profitable a company is and how likely the company’s business will stay that way. It is based on these factors:

1. Operating Margin
2. Trend of the Operating Margin (5-year average). The company with an uptrend profit margin has a higher rank.
••3. Consistency of the profitability
4. Piotroski F-Score
5. Predictability Rank•

The maximum rank is 10. A rank of 7 or higher means a higher profitability and may stay that way. A rank of 3 or lower indicates that the company has had trouble to make a profit.

Profitability Rank is not directly related to the Financial Strength Rank. But if a company is consistently profitable, its financial strength will be stronger.

Profitability & Growth : 8/10

vs
industry
vs
history
Operating margin (%) 14.23
ACIW's Operating margin (%) is ranked higher than
86% of the 1604 Companies
in the Global Software - Application industry.

( Industry Median: 5.48 vs. ACIW: 14.23 )
ACIW' s 10-Year Operating margin (%) Range
Min: -39.14   Max: 20.51
Current: 14.23

-39.14
20.51
Net-margin (%) 7.38
ACIW's Net-margin (%) is ranked higher than
79% of the 1602 Companies
in the Global Software - Application industry.

( Industry Median: 3.67 vs. ACIW: 7.38 )
ACIW' s 10-Year Net-margin (%) Range
Min: -45.21   Max: 15.95
Current: 7.38

-45.21
15.95
ROE (%) 11.75
ACIW's ROE (%) is ranked higher than
83% of the 1564 Companies
in the Global Software - Application industry.

( Industry Median: 6.77 vs. ACIW: 11.75 )
ACIW' s 10-Year ROE (%) Range
Min: -2791.67   Max: 24.97
Current: 11.75

-2791.67
24.97
ROA (%) 3.80
ACIW's ROA (%) is ranked higher than
68% of the 1616 Companies
in the Global Software - Application industry.

( Industry Median: 3.63 vs. ACIW: 3.80 )
ACIW' s 10-Year ROA (%) Range
Min: -57.17   Max: 15.38
Current: 3.8

-57.17
15.38
ROC (Joel Greenblatt) (%) 169.50
ACIW's ROC (Joel Greenblatt) (%) is ranked higher than
89% of the 1600 Companies
in the Global Software - Application industry.

( Industry Median: 30.96 vs. ACIW: 169.50 )
ACIW' s 10-Year ROC (Joel Greenblatt) (%) Range
Min: -271.03   Max: 706.91
Current: 169.5

-271.03
706.91
Revenue Growth (%) 20.50
ACIW's Revenue Growth (%) is ranked higher than
90% of the 1208 Companies
in the Global Software - Application industry.

( Industry Median: 6.30 vs. ACIW: 20.50 )
ACIW' s 10-Year Revenue Growth (%) Range
Min: -10.1   Max: 30.4
Current: 20.5

-10.1
30.4
EBITDA Growth (%) 28.00
ACIW's EBITDA Growth (%) is ranked higher than
88% of the 951 Companies
in the Global Software - Application industry.

( Industry Median: 7.70 vs. ACIW: 28.00 )
ACIW' s 10-Year EBITDA Growth (%) Range
Min: -28.1   Max: 52.5
Current: 28

-28.1
52.5
EPS Growth (%) 26.00
ACIW's EPS Growth (%) is ranked higher than
82% of the 892 Companies
in the Global Software - Application industry.

( Industry Median: 8.80 vs. ACIW: 26.00 )
ACIW' s 10-Year EPS Growth (%) Range
Min: -35.5   Max: 64.7
Current: 26

-35.5
64.7
» ACIW's 10-Y Financials

Financials


Revenue & Net Income
Cash & Debt
Oprt. Cash Flow & Free Cash Flow

» Details

Guru Trades

Q1 2013

ACIW Guru Trades in Q1 2013

Jim Simons 35,711 sh (New)
Ron Baron 1,650,000 sh (+26.92%)
Chuck Royce 628,350 sh (unchged)
Steven Cohen Sold Out
» More
Q2 2013

ACIW Guru Trades in Q2 2013

Wallace Weitz 7,000 sh (New)
Larry Robbins 677,129 sh (New)
Paul Tudor Jones 6,000 sh (New)
Jim Simons 113,311 sh (+217.3%)
Ron Baron 1,750,000 sh (+6.06%)
Chuck Royce 628,350 sh (unchged)
» More
Q3 2013

ACIW Guru Trades in Q3 2013

Joel Greenblatt 5,916 sh (New)
Wallace Weitz 150,844 sh (+2054.91%)
Larry Robbins 677,129 sh (unchged)
Ron Baron 1,750,000 sh (unchged)
Jim Simons Sold Out
Paul Tudor Jones Sold Out
Chuck Royce 518,600 sh (-17.47%)
» More
Q4 2013

ACIW Guru Trades in Q4 2013

Steven Cohen 13,100 sh (New)
Private Capital 135,915 sh (New)
Joel Greenblatt 81,153 sh (+1271.75%)
Wallace Weitz 150,944 sh (+0.07%)
Ron Baron 1,750,000 sh (unchged)
Larry Robbins Sold Out
Chuck Royce 481,000 sh (-7.25%)
» More
» Details

Insider Trades

Latest Guru Trades with ACIW

GuruDate Trades Impact to Portfolio Price Range * (?) Current Price Change from Average Current Shares
Joel Greenblatt 2013-12-31 Add 1271.75%0.12%$52.11 - $64.7 $ 57.16-4%81153
Wallace Weitz 2013-09-30 Add 2054.91%0.3%$46.57 - $54.09 $ 57.1616%150844
Joel Greenblatt 2013-09-30 New Buy0.01%$46.57 - $54.09 $ 57.1616%5916
Wallace Weitz 2013-06-30 New Buy0.01%$42.9 - $47.64 $ 57.1626%7000
Ron Baron 2013-03-31 Add 26.92%0.09%$43.69 - $48.86 $ 57.1622%1650000
Joel Greenblatt 2012-06-30 Sold Out 0.05%$37.08 - $44.19 $ 57.1644%0
Ron Baron 2012-03-31 New Buy0.24%$28.23 - $41.62 $ 57.1675%1000000
Joel Greenblatt 2012-03-31 Reduce -38.31%0.03%$28.23 - $41.62 $ 57.1675%13701
Joel Greenblatt 2011-12-31 Add 36.73%0.02%$25.26 - $31.77 $ 57.1695%22211
Wallace Weitz 2011-09-30 Sold Out 0.0748%$26.34 - $37.68 $ 57.1681%0
Joel Greenblatt 2011-09-30 Add 141.26%0.04%$26.34 - $37.68 $ 57.1681%16244
Wallace Weitz 2011-06-30 Reduce -71.05%0.18%$28.95 - $33.13 $ 57.1683%50000
Joel Greenblatt 2011-06-30 New Buy0.03%$28.95 - $33.13 $ 57.1683%6733
George Soros 2011-06-30 Sold Out $28.95 - $33.13 $ 57.1683%0
Wallace Weitz 2011-03-31 Reduce -73.16%0.71%$25.04 - $32.9 $ 57.1698%172700
George Soros 2011-03-31 New Buy$25.04 - $32.9 $ 57.1698%9300
Premium More recent guru trades are included for Premium Members only!!
» Interactive Charts

Peter Lynch Chart ( What is Peter Lynch Charts )

Guru Investment Theses on ACI Worldwide, Inc.

Baron Funds Comments on ACI Worldwide Inc. - May 24, 2012

From Baron Funds' first quarter letter: ACI Worldwide, Inc. (ACIW) is the leading provider of banking software that powers the global retail payments network. This critical software allows financial institutions to communicate with each other and make sure funds move to the right places. ACI acquired its main rival (S1 Corporation) in February 2012 and now is the dominant player to both the large and small institution segments and has a commanding international presence. We believe the deal is highly accretive, will enhance the company's growth rate, and improve the recurring nature of the business, all of which we believe will lead to a higher valuation.We think that the company should trade at a double digit multiple of cash flow, which we project will increase significantly, leading to considerable upside in the stock.
Check out Ron Baron latest stock trades

Ratios

vs
industry
vs
history
P/E(ttm) 35.20
ACIW's P/E(ttm) is ranked lower than
52% of the 1119 Companies
in the Global Software - Application industry.

( Industry Median: 23.20 vs. ACIW: 35.20 )
ACIW' s 10-Year P/E(ttm) Range
Min: 12.15   Max: 101.37
Current: 35.2

12.15
101.37
P/B 4.10
ACIW's P/B is ranked lower than
58% of the 1504 Companies
in the Global Software - Application industry.

( Industry Median: 2.45 vs. ACIW: 4.10 )
ACIW' s 10-Year P/B Range
Min: 1.55   Max: 6.49
Current: 4.1

1.55
6.49
P/S 2.64
ACIW's P/S is ranked lower than
56% of the 1650 Companies
in the Global Software - Application industry.

( Industry Median: 1.98 vs. ACIW: 2.64 )
ACIW' s 10-Year P/S Range
Min: 0.83   Max: 4.9
Current: 2.64

0.83
4.9
PFCF 21.50
ACIW's PFCF is ranked higher than
57% of the 874 Companies
in the Global Software - Application industry.

( Industry Median: 19.50 vs. ACIW: 21.50 )
ACIW' s 10-Year PFCF Range
Min: 5.57   Max: 380.42
Current: 21.5

5.57
380.42
EV-to-EBIT 23.80
ACIW's EV-to-EBIT is ranked lower than
52% of the 1278 Companies
in the Global Software - Application industry.

( Industry Median: 17.39 vs. ACIW: 23.80 )
ACIW' s 10-Year EV-to-EBIT Range
Min: 7.8   Max: 262.1
Current: 23.8

7.8
262.1
PEG 1.30
ACIW's PEG is ranked higher than
70% of the 601 Companies
in the Global Software - Application industry.

( Industry Median: 1.98 vs. ACIW: 1.30 )
ACIW' s 10-Year PEG Range
Min: 0.36   Max: 2.99
Current: 1.3

0.36
2.99
Shiller P/E 55.60
ACIW's Shiller P/E is ranked lower than
58% of the 616 Companies
in the Global Software - Application industry.

( Industry Median: 29.33 vs. ACIW: 55.60 )
ACIW' s 10-Year Shiller P/E Range
Min: 13.19   Max: 184.95
Current: 55.6

13.19
184.95

Valuation & Return

vs
industry
vs
history
Price/DCF (Projected) 2.10
ACIW's Price/DCF (Projected) is ranked lower than
53% of the 753 Companies
in the Global Software - Application industry.

( Industry Median: 1.50 vs. ACIW: 2.10 )
ACIW' s 10-Year Price/DCF (Projected) Range
Min: 0.84   Max: 2.39
Current: 2.1

0.84
2.39
Price/Median PS Value 1.00
ACIW's Price/Median PS Value is ranked higher than
66% of the 1516 Companies
in the Global Software - Application industry.

( Industry Median: 1.10 vs. ACIW: 1.00 )
ACIW' s 10-Year Price/Median PS Value Range
Min: 0.31   Max: 2.84
Current: 1

0.31
2.84
Price/Peter Lynch Fair Value 1.40
ACIW's Price/Peter Lynch Fair Value is ranked higher than
62% of the 365 Companies
in the Global Software - Application industry.

( Industry Median: 1.50 vs. ACIW: 1.40 )
ACIW' s 10-Year Price/Peter Lynch Fair Value Range
Min: 0.78   Max: 15.78
Current: 1.4

0.78
15.78
Earnings Yield (Greenblatt) 4.20
ACIW's Earnings Yield (Greenblatt) is ranked higher than
53% of the 1324 Companies
in the Global Software - Application industry.

( Industry Median: 5.40 vs. ACIW: 4.20 )
ACIW' s 10-Year Earnings Yield (Greenblatt) Range
Min: 0.4   Max: 12.9
Current: 4.2

0.4
12.9
Forward Rate of Return (Yacktman) 26.30
ACIW's Forward Rate of Return (Yacktman) is ranked higher than
91% of the 1007 Companies
in the Global Software - Application industry.

( Industry Median: 5.32 vs. ACIW: 26.30 )
ACIW' s 10-Year Forward Rate of Return (Yacktman) Range
Min: -19.8   Max: 56.7
Current: 26.3

-19.8
56.7

Business Description

Industry: Application Software » Software - Application
Compare:CRM, SQI, RHT, INTU, ADBE » details
ACI Worldwide, Inc., was formed as a Delaware corporation in November 1993 under the name ACI Holding, Inc. The Company and its subsidiaries develops, markets, installs and supports software products and services mainly focusing on facilitating electronic payments. In addition to its own products, the Company distributes, or acts as a sales agent for, software developed by third parties. The Company's integrated suite of software products and hosted services deliver a broad range of solutions for payments processing, card and merchant management, online banking, mobile, branch and voice banking, fraud detection and trade finance. Trusted by more than 1,650 organizations globally, it serves three primary market audiences: Financial institutions, including national, regional and global banks, community banks and credit unions; Processors; and Retailers. Its products cover several different domains within the payments and banking marketplace: Online Banking and Cash Management - the management of payments and cash flows across accounts globally through the online or mobile channel; Branch - the management and processing of monetary, non-monetary, sales and account origination financial transactions; Trade Finance - the management of all trade related transaction types, both traditional trade and open account instruments with the ability for end users to view and track those transactions through the online channel; Community Financial Services - the online and mobile banking and payment systems, and security solutions that service community banks and credit unions; Retail Banking Payments - it provides the software to support in house issuance of payment instruments (e.g. card, tokens and virtual cards) and the management of a consumer payment from transaction acquiring all through the lifecycle within the banking system to settlement; which it split into Payments Processing, and Card and Merchant Management; Wholesale Banking Payments - the management of primarily corporate payments and messages through their lifecycle including RTGS payments, ACH payments, and SWIFT transactions; Merchant Retail - the management of a consumer payment within a merchant retailer and supporting services such as the management of store and gift card and loyalty programs; Payment Fraud Management - the securing of payments against fraud and money laundering; Payment Infrastructure - the tools and infrastructure to operate and optimize the payments system. The Company's products are sold and supported through distribution networks covering three geographic regions - the Americas, Europe/Middle East/Africa and Asia/Pacific. The Company's products are marketed under the ACI Worldwide and ACI Payment Systems brands. Its main method of distribution is direct sales by employees assigned to specific regions or specific products. Principal competitors for the Online Banking and Cash Management and Branch product set are Clear2Pay NV/SA, Intuit Corporation, Bott

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