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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 0.07
ACIW's Cash to Debt is ranked lower than
96% of the 1781 Companies
in the Global Software - Application industry.

( Industry Median: 20.60 vs. ACIW: 0.07 )
Ranked among companies with meaningful Cash to Debt only.
ACIW' s 10-Year Cash to Debt Range
Min: 0.07  Med: 2.32 Max: 2257.56
Current: 0.07
0.07
2257.56
Equity to Asset 0.34
ACIW's Equity to Asset is ranked lower than
83% of the 1579 Companies
in the Global Software - Application industry.

( Industry Median: 0.61 vs. ACIW: 0.34 )
Ranked among companies with meaningful Equity to Asset only.
ACIW' s 10-Year Equity to Asset Range
Min: 0.29  Med: 0.50 Max: 0.71
Current: 0.34
0.29
0.71
Interest Coverage 4.52
ACIW's Interest Coverage is ranked lower than
90% of the 1164 Companies
in the Global Software - Application industry.

( Industry Median: 10000.00 vs. ACIW: 4.52 )
Ranked among companies with meaningful Interest Coverage only.
ACIW' s 10-Year Interest Coverage Range
Min: 0.36  Med: 26.88 Max: 290.69
Current: 4.52
0.36
290.69
F-Score: 6
Z-Score: 2.48
M-Score: -2.68
WACC vs ROIC
7.50%
6.99%
WACC
ROIC
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 (%) 13.60
ACIW's Operating margin (%) is ranked higher than
77% of the 1748 Companies
in the Global Software - Application industry.

( Industry Median: 5.11 vs. ACIW: 13.60 )
Ranked among companies with meaningful Operating margin (%) only.
ACIW' s 10-Year Operating margin (%) Range
Min: -20.76  Med: 12.82 Max: 20.51
Current: 13.6
-20.76
20.51
Net-margin (%) 8.57
ACIW's Net-margin (%) is ranked higher than
70% of the 1748 Companies
in the Global Software - Application industry.

( Industry Median: 3.20 vs. ACIW: 8.57 )
Ranked among companies with meaningful Net-margin (%) only.
ACIW' s 10-Year Net-margin (%) Range
Min: -27.09  Med: 7.33 Max: 15.95
Current: 8.57
-27.09
15.95
ROE (%) 16.00
ACIW's ROE (%) is ranked higher than
77% of the 1703 Companies
in the Global Software - Application industry.

( Industry Median: 6.27 vs. ACIW: 16.00 )
Ranked among companies with meaningful ROE (%) only.
ACIW' s 10-Year ROE (%) Range
Min: -54.4  Med: 14.35 Max: 30.14
Current: 16
-54.4
30.14
ROA (%) 5.04
ACIW's ROA (%) is ranked higher than
59% of the 1788 Companies
in the Global Software - Application industry.

( Industry Median: 3.29 vs. ACIW: 5.04 )
Ranked among companies with meaningful ROA (%) only.
ACIW' s 10-Year ROA (%) Range
Min: -26.57  Med: 5.54 Max: 17.97
Current: 5.04
-26.57
17.97
ROC (Joel Greenblatt) (%) 158.43
ACIW's ROC (Joel Greenblatt) (%) is ranked higher than
80% of the 1761 Companies
in the Global Software - Application industry.

( Industry Median: 24.35 vs. ACIW: 158.43 )
Ranked among companies with meaningful ROC (Joel Greenblatt) (%) only.
ACIW' s 10-Year ROC (Joel Greenblatt) (%) Range
Min: -139.94  Med: 199.93 Max: 766.01
Current: 158.43
-139.94
766.01
Revenue Growth (3Y)(%) 20.50
ACIW's Revenue Growth (3Y)(%) is ranked higher than
85% of the 1315 Companies
in the Global Software - Application industry.

( Industry Median: 5.30 vs. ACIW: 20.50 )
Ranked among companies with meaningful Revenue Growth (3Y)(%) only.
ACIW' s 10-Year Revenue Growth (3Y)(%) Range
Min: -10.1  Med: 6.50 Max: 25.7
Current: 20.5
-10.1
25.7
EBITDA Growth (3Y)(%) 27.90
ACIW's EBITDA Growth (3Y)(%) is ranked higher than
83% of the 1053 Companies
in the Global Software - Application industry.

( Industry Median: 6.80 vs. ACIW: 27.90 )
Ranked among companies with meaningful EBITDA Growth (3Y)(%) only.
ACIW' s 10-Year EBITDA Growth (3Y)(%) Range
Min: -28.3  Med: 16.90 Max: 53.5
Current: 27.9
-28.3
53.5
EPS Growth (3Y)(%) 25.20
ACIW's EPS Growth (3Y)(%) is ranked higher than
73% of the 975 Companies
in the Global Software - Application industry.

( Industry Median: 6.70 vs. ACIW: 25.20 )
Ranked among companies with meaningful EPS Growth (3Y)(%) only.
ACIW' s 10-Year EPS Growth (3Y)(%) Range
Min: -35.3  Med: 33.75 Max: 65.1
Current: 25.2
-35.3
65.1
» ACIW's 10-Y Financials

Financials


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

» Details

Guru Trades

Q3 2014

ACIW Guru Trades in Q3 2014

Wallace Weitz 643,000 sh (+21.78%)
Joel Greenblatt 1,142,736 sh (+19.40%)
Chuck Royce 1,401,900 sh (unchged)
Jim Simons Sold Out
Private Capital 392,415 sh (-1.95%)
Ron Baron 4,000,000 sh (-11.11%)
» More
Q4 2014

ACIW Guru Trades in Q4 2014

Jim Simons 25,233 sh (New)
Paul Tudor Jones 15,111 sh (New)
Wallace Weitz 743,000 sh (+15.55%)
Chuck Royce 1,401,900 sh (unchged)
Ron Baron 4,000,000 sh (unchged)
Joel Greenblatt Sold Out
Private Capital 385,685 sh (-1.72%)
» More
Q1 2015

ACIW Guru Trades in Q1 2015

Paul Tudor Jones 40,281 sh (+166.57%)
Private Capital 405,410 sh (+5.11%)
Wallace Weitz 745,000 sh (+0.27%)
Jim Simons Sold Out
Ron Baron 3,500,000 sh (-12.50%)
Chuck Royce 1,172,800 sh (-16.34%)
» More
Q2 2015

ACIW Guru Trades in Q2 2015

Ron Baron 3,500,000 sh (unchged)
Paul Tudor Jones Sold Out
Private Capital 403,695 sh (-0.42%)
Chuck Royce 976,200 sh (-16.76%)
Wallace Weitz 445,000 sh (-40.27%)
» More
» Details

Insider Trades

Latest Guru Trades with ACIW

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Guru Investment Theses on ACI Worldwide Inc

Baron Funds Comments on ACI Worldwide Inc. - Aug 19, 2015

ACI Worldwide, Inc. (NASDAQ:ACIW) provides electronic payment systems to financial institutions, retailers and electronic payment processors. The company is transforming from a licensed-based revenue model to a SaaS-based revenue model and over 50% of revenues are now recurring. Recent results were encouraging as revenues beat expectations, in spite of currency headwinds, and important contract wins were announced. The company’s solution to provide an integrated omni-channel payments platform is gaining traction.





From Baron Funds’ second quarter 2015 commentary.



Check out Ron Baron latest stock trades

Baron Funds Comments on ACI Worldwide Inc. - Aug 19, 2015

ACI Worldwide, Inc. (NASDAQ:ACIW) provides electronic payment systems to financial institutions, retailers and electronic payment processors. The company is transforming from a licensed-based revenue model to a SaaS-based revenue model and over 50% of revenues are now recurring. Recent results were encouraging as revenues beat expectations, in spite of currency headwinds, and important contract wins were announced. The company’s solution to provide an integrated omni-channel payments platform is gaining traction.



From Baron Funds’ second quarter 2015 commentary.



Check out Ron Baron latest stock trades

Top Ranked Articles about ACI Worldwide Inc

Baron Funds Comments on ACI Worldwide Inc.
ACI Worldwide, Inc. (NASDAQ:ACIW) provides electronic payment systems to financial institutions, retailers and electronic payment processors. The company is transforming from a licensed-based revenue model to a SaaS-based revenue model and over 50% of revenues are now recurring. Recent results were encouraging as revenues beat expectations, in spite of currency headwinds, and important contract wins were announced. The company’s solution to provide an integrated omni-channel payments platform is gaining traction. Read more...
Baron Funds Comments on ACI Worldwide Inc.
ACI Worldwide, Inc. (NASDAQ:ACIW) provides electronic payment systems to financial institutions, retailers and electronic payment processors. The company is transforming from a licensed-based revenue model to a SaaS-based revenue model and over 50% of revenues are now recurring. Recent results were encouraging as revenues beat expectations, in spite of currency headwinds, and important contract wins were announced. The company’s solution to provide an integrated omni-channel payments platform is gaining traction. Read more...

Ratios

vs
industry
vs
history
P/E(ttm) 27.83
ACIW's P/E(ttm) is ranked lower than
56% of the 1109 Companies
in the Global Software - Application industry.

( Industry Median: 24.00 vs. ACIW: 27.83 )
Ranked among companies with meaningful P/E(ttm) only.
ACIW' s 10-Year P/E(ttm) Range
Min: 13.33  Med: 32.01 Max: 99.42
Current: 27.83
13.33
99.42
Forward P/E 21.32
ACIW's Forward P/E is ranked lower than
57% of the 528 Companies
in the Global Software - Application industry.

( Industry Median: 19.16 vs. ACIW: 21.32 )
Ranked among companies with meaningful Forward P/E only.
N/A
PE(NRI) 27.80
ACIW's PE(NRI) is ranked lower than
57% of the 1101 Companies
in the Global Software - Application industry.

( Industry Median: 23.80 vs. ACIW: 27.80 )
Ranked among companies with meaningful PE(NRI) only.
ACIW' s 10-Year PE(NRI) Range
Min: 13.33  Med: 31.97 Max: 86.17
Current: 27.8
13.33
86.17
P/B 4.21
ACIW's P/B is ranked lower than
67% of the 1572 Companies
in the Global Software - Application industry.

( Industry Median: 2.63 vs. ACIW: 4.21 )
Ranked among companies with meaningful P/B only.
ACIW' s 10-Year P/B Range
Min: 1.56  Med: 3.70 Max: 6.5
Current: 4.21
1.56
6.5
P/S 2.41
ACIW's P/S is ranked lower than
55% of the 1715 Companies
in the Global Software - Application industry.

( Industry Median: 2.00 vs. ACIW: 2.41 )
Ranked among companies with meaningful P/S only.
ACIW' s 10-Year P/S Range
Min: 0.83  Med: 2.47 Max: 4.89
Current: 2.41
0.83
4.89
PFCF 22.69
ACIW's PFCF is ranked higher than
54% of the 815 Companies
in the Global Software - Application industry.

( Industry Median: 24.41 vs. ACIW: 22.69 )
Ranked among companies with meaningful PFCF only.
ACIW' s 10-Year PFCF Range
Min: 8.68  Med: 21.29 Max: 380.43
Current: 22.69
8.68
380.43
POCF 16.52
ACIW's POCF is ranked higher than
53% of the 1017 Companies
in the Global Software - Application industry.

( Industry Median: 17.74 vs. ACIW: 16.52 )
Ranked among companies with meaningful POCF only.
ACIW' s 10-Year POCF Range
Min: 6.97  Med: 16.51 Max: 84.54
Current: 16.52
6.97
84.54
EV-to-EBIT 19.24
ACIW's EV-to-EBIT is ranked lower than
58% of the 1149 Companies
in the Global Software - Application industry.

( Industry Median: 16.13 vs. ACIW: 19.24 )
Ranked among companies with meaningful EV-to-EBIT only.
ACIW' s 10-Year EV-to-EBIT Range
Min: -399.9  Med: 22.60 Max: 262.1
Current: 19.24
-399.9
262.1
PEG 1.14
ACIW's PEG is ranked higher than
68% of the 487 Companies
in the Global Software - Application industry.

( Industry Median: 1.75 vs. ACIW: 1.14 )
Ranked among companies with meaningful PEG only.
ACIW' s 10-Year PEG Range
Min: 0.35  Med: 1.29 Max: 4.01
Current: 1.14
0.35
4.01
Shiller P/E 41.50
ACIW's Shiller P/E is ranked lower than
66% of the 699 Companies
in the Global Software - Application industry.

( Industry Median: 28.94 vs. ACIW: 41.50 )
Ranked among companies with meaningful Shiller P/E only.
ACIW' s 10-Year Shiller P/E Range
Min: 13.01  Med: 47.61 Max: 176.14
Current: 41.5
13.01
176.14
Current Ratio 1.04
ACIW's Current Ratio is ranked lower than
84% of the 1625 Companies
in the Global Software - Application industry.

( Industry Median: 2.07 vs. ACIW: 1.04 )
Ranked among companies with meaningful Current Ratio only.
ACIW' s 10-Year Current Ratio Range
Min: 0.99  Med: 1.55 Max: 2.41
Current: 1.04
0.99
2.41
Quick Ratio 1.04
ACIW's Quick Ratio is ranked lower than
80% of the 1625 Companies
in the Global Software - Application industry.

( Industry Median: 1.92 vs. ACIW: 1.04 )
Ranked among companies with meaningful Quick Ratio only.
ACIW' s 10-Year Quick Ratio Range
Min: 0.99  Med: 1.55 Max: 2.41
Current: 1.04
0.99
2.41
Days Sales Outstanding 60.69
ACIW's Days Sales Outstanding is ranked higher than
59% of the 1511 Companies
in the Global Software - Application industry.

( Industry Median: 69.32 vs. ACIW: 60.69 )
Ranked among companies with meaningful Days Sales Outstanding only.
ACIW' s 10-Year Days Sales Outstanding Range
Min: 12.63  Med: 76.00 Max: 165.09
Current: 60.69
12.63
165.09

Valuation & Return

vs
industry
vs
history
Price/Projected FCF 1.80
ACIW's Price/Projected FCF is ranked lower than
54% of the 823 Companies
in the Global Software - Application industry.

( Industry Median: 1.66 vs. ACIW: 1.80 )
Ranked among companies with meaningful Price/Projected FCF only.
ACIW' s 10-Year Price/Projected FCF Range
Min: 0.7  Med: 1.72 Max: 2.69
Current: 1.8
0.7
2.69
Price/Median PS Value 0.97
ACIW's Price/Median PS Value is ranked higher than
62% of the 1520 Companies
in the Global Software - Application industry.

( Industry Median: 1.11 vs. ACIW: 0.97 )
Ranked among companies with meaningful Price/Median PS Value only.
ACIW' s 10-Year Price/Median PS Value Range
Min: 0.32  Med: 1.03 Max: 2.89
Current: 0.97
0.32
2.89
Price/Peter Lynch Fair Value 1.11
ACIW's Price/Peter Lynch Fair Value is ranked higher than
70% of the 347 Companies
in the Global Software - Application industry.

( Industry Median: 1.60 vs. ACIW: 1.11 )
Ranked among companies with meaningful Price/Peter Lynch Fair Value only.
ACIW' s 10-Year Price/Peter Lynch Fair Value Range
Min: 0.23  Med: 1.33 Max: 3.82
Current: 1.11
0.23
3.82
Earnings Yield (Greenblatt) (%) 5.20
ACIW's Earnings Yield (Greenblatt) (%) is ranked higher than
62% of the 1711 Companies
in the Global Software - Application industry.

( Industry Median: 2.80 vs. ACIW: 5.20 )
Ranked among companies with meaningful Earnings Yield (Greenblatt) (%) only.
ACIW' s 10-Year Earnings Yield (Greenblatt) (%) Range
Min: 0.4  Med: 4.40 Max: 12.1
Current: 5.2
0.4
12.1
Forward Rate of Return (Yacktman) (%) 31.12
ACIW's Forward Rate of Return (Yacktman) (%) is ranked higher than
89% of the 694 Companies
in the Global Software - Application industry.

( Industry Median: 10.48 vs. ACIW: 31.12 )
Ranked among companies with meaningful Forward Rate of Return (Yacktman) (%) only.
ACIW' s 10-Year Forward Rate of Return (Yacktman) (%) Range
Min: -20.2  Med: 15.70 Max: 58.2
Current: 31.12
-20.2
58.2

Analyst Estimate

Sep15 Sep16
Revenue(Mil) 1,055 1,117
EPS($) 0.81 1.00
EPS without NRI($) 0.81 1.00

Business Description

Industry: Application Software » Software - Application
Compare:CRM, SQI, RHT, INTU, ADBE » details
Traded in other countries:TSA.Germany,
ACI Worldwide Inc is a Delaware corporation incorporated 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. Its 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 2600 organizations globally, it serves four primary market audiences: Financial institutions, including national, regional and global banks, community banks and credit unions; Processors; Retailers and Billers. 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 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; Billers - Electronic bill presentment and payment enables the presentment of bills and the collection of payments for these bills from consumers for billers, including, for example, tax authorities, higher education providers, utilities, and health care providers. It's products are sold and supported through distribution networks covering three geographic regions - the Americas, Europe/Middle East/Africa and Asia/Pacific. Its main method of distribution is direct sales by employees assigned to specific regions or specific products. Principal competitors
» More Articles for ACIW

Headlines

Articles On GuruFocus.com
Baron Funds Comments on ACI Worldwide Inc. Aug 19 2015 
Baron Funds Comments on ACI Worldwide Inc. Aug 19 2015 
Weekly CEO Sells Highlight: IMAX Corp, Hain Celestial Group Inc, ACI Worldwide Inc, and Allison Tran Nov 23 2014 
Wally Weitz Q3 2014 Shareholder Letter Oct 16 2014 
Weekly CEO Sells Highlight: Atmel Corp, Wisconsin Energy Corp, ACI Worldwide Inc, and Avago Technolo Sep 08 2014 
The Electronic Payments Market Can Take ACI Higher May 07 2014 
Wallace Weitz's 3 New Q2 Buys Aug 09 2013 
Baron Funds Comments on ACI Worldwide Inc. May 24 2012 
ACI Worldwide Inc. Reports Operating Results (10-Q) Oct 29 2010 
ACI Worldwide Inc. Reports Operating Results (10-Q) Jul 30 2010 

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ACI Worldwide Inc Earnings Call scheduled for 8:30 am ET today Jul 30 2015
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