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Also traded in: Germany

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 0.14
ACIW's Cash-to-Debt is ranked lower than
93% of the 1973 Companies
in the Global Software - Application industry.

( Industry Median: 7.50 vs. ACIW: 0.14 )
Ranked among companies with meaningful Cash-to-Debt only.
ACIW' s Cash-to-Debt Range Over the Past 10 Years
Min: 0.07  Med: 2.26 Max: N/A
Current: 0.14
Equity-to-Asset 0.42
ACIW's Equity-to-Asset is ranked lower than
73% of the 1841 Companies
in the Global Software - Application industry.

( Industry Median: 0.60 vs. ACIW: 0.42 )
Ranked among companies with meaningful Equity-to-Asset only.
ACIW' s Equity-to-Asset Range Over the Past 10 Years
Min: 0  Med: 0.47 Max: 0.71
Current: 0.42
0
0.71
Interest Coverage 2.21
ACIW's Interest Coverage is ranked lower than
93% of the 1510 Companies
in the Global Software - Application industry.

( Industry Median: 146.27 vs. ACIW: 2.21 )
Ranked among companies with meaningful Interest Coverage only.
ACIW' s Interest Coverage Range Over the Past 10 Years
Min: 0.36  Med: 5.01 Max: 27.24
Current: 2.21
0.36
27.24
Piotroski F-Score: 6
Altman Z-Score: 2.76
Beneish M-Score: -2.69
WACC vs ROIC
9.20%
4.00%
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 % 8.73
ACIW's Operating Margin % is ranked higher than
64% of the 1926 Companies
in the Global Software - Application industry.

( Industry Median: 4.90 vs. ACIW: 8.73 )
Ranked among companies with meaningful Operating Margin % only.
ACIW' s Operating Margin % Range Over the Past 10 Years
Min: 0.66  Med: 12.53 Max: 21.99
Current: 8.73
0.66
21.99
Net Margin % 3.80
ACIW's Net Margin % is ranked higher than
52% of the 1926 Companies
in the Global Software - Application industry.

( Industry Median: 3.51 vs. ACIW: 3.80 )
Ranked among companies with meaningful Net Margin % only.
ACIW' s Net Margin % Range Over the Past 10 Years
Min: -2.49  Med: 6.99 Max: 12.88
Current: 3.8
-2.49
12.88
ROE % 5.30
ACIW's ROE % is ranked lower than
53% of the 1866 Companies
in the Global Software - Application industry.

( Industry Median: 6.50 vs. ACIW: 5.30 )
Ranked among companies with meaningful ROE % only.
ACIW' s ROE % Range Over the Past 10 Years
Min: -3.71  Med: 11.66 Max: 18.38
Current: 5.3
-3.71
18.38
ROA % 2.09
ACIW's ROA % is ranked lower than
55% of the 1985 Companies
in the Global Software - Application industry.

( Industry Median: 3.07 vs. ACIW: 2.09 )
Ranked among companies with meaningful ROA % only.
ACIW' s ROA % Range Over the Past 10 Years
Min: -1.75  Med: 4.42 Max: 7.24
Current: 2.09
-1.75
7.24
ROC (Joel Greenblatt) % 113.41
ACIW's ROC (Joel Greenblatt) % is ranked higher than
76% of the 1944 Companies
in the Global Software - Application industry.

( Industry Median: 22.72 vs. ACIW: 113.41 )
Ranked among companies with meaningful ROC (Joel Greenblatt) % only.
ACIW' s ROC (Joel Greenblatt) % Range Over the Past 10 Years
Min: 16.4  Med: 197.35 Max: 342.12
Current: 113.41
16.4
342.12
3-Year Revenue Growth Rate 5.50
ACIW's 3-Year Revenue Growth Rate is ranked higher than
51% of the 1516 Companies
in the Global Software - Application industry.

( Industry Median: 5.20 vs. ACIW: 5.50 )
Ranked among companies with meaningful 3-Year Revenue Growth Rate only.
ACIW' s 3-Year Revenue Growth Rate Range Over the Past 10 Years
Min: -10.2  Med: 8.25 Max: 30.4
Current: 5.5
-10.2
30.4
3-Year EBITDA Growth Rate 20.40
ACIW's 3-Year EBITDA Growth Rate is ranked higher than
73% of the 1288 Companies
in the Global Software - Application industry.

( Industry Median: 6.90 vs. ACIW: 20.40 )
Ranked among companies with meaningful 3-Year EBITDA Growth Rate only.
ACIW' s 3-Year EBITDA Growth Rate Range Over the Past 10 Years
Min: -28.1  Med: 21 Max: 52.7
Current: 20.4
-28.1
52.7
3-Year EPS without NRI Growth Rate 27.20
ACIW's 3-Year EPS without NRI Growth Rate is ranked higher than
74% of the 1195 Companies
in the Global Software - Application industry.

( Industry Median: 7.40 vs. ACIW: 27.20 )
Ranked among companies with meaningful 3-Year EPS without NRI Growth Rate only.
ACIW' s 3-Year EPS without NRI Growth Rate Range Over the Past 10 Years
Min: -56.2  Med: 27.2 Max: 78.1
Current: 27.2
-56.2
78.1
GuruFocus has detected 6 Warning Signs with ACI Worldwide Inc $ACIW.
More than 500,000 people have already joined GuruFocus to track the stocks they follow and exchange investment ideas.
» ACIW's 30-Y Financials

Financials (Next Earnings Date: 2017-08-04 Est.)


Revenue & Net Income
Cash & Debt
Operating Cash Flow & Free Cash Flow
Operating Cash Flow & Net Income

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Business Description

Industry: Application Software » Software - Application    NAICS: 511210    SIC: 7372
Compare:NAS:FEYE, OTCPK:SPHHF, NYSE:TWLO, NYSE:LXFT, NYSE:RNG, NYSE:ZEN, NAS:CVLT, NAS:VRNT, NAS:PCTY, NAS:STMP, NYSE:HUBS, NAS:RP, OTCPK:ISMAY, NAS:TIVO, NAS:MDRX, NAS:NTCT, NAS:MANH, NAS:TTD, NYSE:MULE, NYSE:CLDR » details
Traded in other countries:TSA.Germany,
Headquarter Location:USA
ACI Worldwide Inc together with its subsidiaries develops, markets, installs, and supports software products & services to facilitate electronic payments.

ACI Worldwide develops, markets, and installs a portfolio of software products primarily focused on facilitating electronic payments. The firm also leverages its distribution network in the Americas; Europe, the Middle East, and Africa, or EMEA; and Asia-Pacific regions to sell software developed by third parties. ACI software products process payment transactions for retail banking clients, billers such as utilities and healthcare providers, and community banks and credit unions. ACI's customers are financial institutions all over the world, but most of the revenue is generated in the United States and EMEA regions.

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

Ratios

vs
industry
vs
history
PE Ratio 72.39
ACIW's PE Ratio is ranked lower than
85% of the 1266 Companies
in the Global Software - Application industry.

( Industry Median: 27.13 vs. ACIW: 72.39 )
Ranked among companies with meaningful PE Ratio only.
ACIW' s PE Ratio Range Over the Past 10 Years
Min: 13.27  Med: 32.65 Max: 95.74
Current: 72.39
13.27
95.74
Forward PE Ratio 48.54
ACIW's Forward PE Ratio is ranked lower than
80% of the 282 Companies
in the Global Software - Application industry.

( Industry Median: 23.64 vs. ACIW: 48.54 )
Ranked among companies with meaningful Forward PE Ratio only.
N/A
PE Ratio without NRI 72.39
ACIW's PE Ratio without NRI is ranked lower than
85% of the 1260 Companies
in the Global Software - Application industry.

( Industry Median: 27.26 vs. ACIW: 72.39 )
Ranked among companies with meaningful PE Ratio without NRI only.
ACIW' s PE Ratio without NRI Range Over the Past 10 Years
Min: 13.27  Med: 32.67 Max: 86.17
Current: 72.39
13.27
86.17
Price-to-Owner-Earnings 44.29
ACIW's Price-to-Owner-Earnings is ranked lower than
73% of the 742 Companies
in the Global Software - Application industry.

( Industry Median: 25.40 vs. ACIW: 44.29 )
Ranked among companies with meaningful Price-to-Owner-Earnings only.
ACIW' s Price-to-Owner-Earnings Range Over the Past 10 Years
Min: 7.61  Med: 20.98 Max: 211.56
Current: 44.29
7.61
211.56
PB Ratio 3.55
ACIW's PB Ratio is ranked lower than
56% of the 1795 Companies
in the Global Software - Application industry.

( Industry Median: 3.09 vs. ACIW: 3.55 )
Ranked among companies with meaningful PB Ratio only.
ACIW' s PB Ratio Range Over the Past 10 Years
Min: 1.55  Med: 3.5 Max: 5.64
Current: 3.55
1.55
5.64
PS Ratio 2.69
ACIW's PS Ratio is ranked lower than
53% of the 1831 Companies
in the Global Software - Application industry.

( Industry Median: 2.42 vs. ACIW: 2.69 )
Ranked among companies with meaningful PS Ratio only.
ACIW' s PS Ratio Range Over the Past 10 Years
Min: 0.83  Med: 2.34 Max: 4.7
Current: 2.69
0.83
4.7
Price-to-Free-Cash-Flow 31.05
ACIW's Price-to-Free-Cash-Flow is ranked lower than
61% of the 679 Companies
in the Global Software - Application industry.

( Industry Median: 25.04 vs. ACIW: 31.05 )
Ranked among companies with meaningful Price-to-Free-Cash-Flow only.
ACIW' s Price-to-Free-Cash-Flow Range Over the Past 10 Years
Min: 7.81  Med: 21.74 Max: 362.38
Current: 31.05
7.81
362.38
Price-to-Operating-Cash-Flow 18.42
ACIW's Price-to-Operating-Cash-Flow is ranked higher than
50% of the 852 Companies
in the Global Software - Application industry.

( Industry Median: 18.75 vs. ACIW: 18.42 )
Ranked among companies with meaningful Price-to-Operating-Cash-Flow only.
ACIW' s Price-to-Operating-Cash-Flow Range Over the Past 10 Years
Min: 5.9  Med: 16.03 Max: 81.39
Current: 18.42
5.9
81.39
EV-to-EBIT 35.49
ACIW's EV-to-EBIT is ranked lower than
73% of the 1288 Companies
in the Global Software - Application industry.

( Industry Median: 18.71 vs. ACIW: 35.49 )
Ranked among companies with meaningful EV-to-EBIT only.
ACIW' s EV-to-EBIT Range Over the Past 10 Years
Min: -938.9  Med: 21.9 Max: 215.3
Current: 35.49
-938.9
215.3
EV-to-EBITDA 16.96
ACIW's EV-to-EBITDA is ranked lower than
56% of the 1397 Companies
in the Global Software - Application industry.

( Industry Median: 15.13 vs. ACIW: 16.96 )
Ranked among companies with meaningful EV-to-EBITDA only.
ACIW' s EV-to-EBITDA Range Over the Past 10 Years
Min: 7.8  Med: 13.9 Max: 101.1
Current: 16.96
7.8
101.1
PEG Ratio 2.96
ACIW's PEG Ratio is ranked lower than
63% of the 592 Companies
in the Global Software - Application industry.

( Industry Median: 2.00 vs. ACIW: 2.96 )
Ranked among companies with meaningful PEG Ratio only.
ACIW' s PEG Ratio Range Over the Past 10 Years
Min: 0.42  Med: 1.23 Max: 6.47
Current: 2.96
0.42
6.47
Shiller PE Ratio 50.52
ACIW's Shiller PE Ratio is ranked lower than
62% of the 329 Companies
in the Global Software - Application industry.

( Industry Median: 38.91 vs. ACIW: 50.52 )
Ranked among companies with meaningful Shiller PE Ratio only.
ACIW' s Shiller PE Ratio Range Over the Past 10 Years
Min: 34.85  Med: 58.82 Max: 148.83
Current: 50.52
34.85
148.83
Current Ratio 1.29
ACIW's Current Ratio is ranked lower than
72% of the 1926 Companies
in the Global Software - Application industry.

( Industry Median: 1.95 vs. ACIW: 1.29 )
Ranked among companies with meaningful Current Ratio only.
ACIW' s Current Ratio Range Over the Past 10 Years
Min: 0.71  Med: 1.47 Max: 2.41
Current: 1.29
0.71
2.41
Quick Ratio 1.29
ACIW's Quick Ratio is ranked lower than
69% of the 1926 Companies
in the Global Software - Application industry.

( Industry Median: 1.83 vs. ACIW: 1.29 )
Ranked among companies with meaningful Quick Ratio only.
ACIW' s Quick Ratio Range Over the Past 10 Years
Min: 0.71  Med: 1.47 Max: 2.41
Current: 1.29
0.71
2.41
Days Sales Outstanding 58.04
ACIW's Days Sales Outstanding is ranked higher than
60% of the 1526 Companies
in the Global Software - Application industry.

( Industry Median: 66.73 vs. ACIW: 58.04 )
Ranked among companies with meaningful Days Sales Outstanding only.
ACIW' s Days Sales Outstanding Range Over the Past 10 Years
Min: 58.04  Med: 74.86 Max: 122.05
Current: 58.04
58.04
122.05
Days Payable 30.19
ACIW's Days Payable is ranked lower than
66% of the 1368 Companies
in the Global Software - Application industry.

( Industry Median: 43.70 vs. ACIW: 30.19 )
Ranked among companies with meaningful Days Payable only.
ACIW' s Days Payable Range Over the Past 10 Years
Min: 30.19  Med: 42.89 Max: 54.88
Current: 30.19
30.19
54.88

Buy Back

vs
industry
vs
history
3-Year Average Share Buyback Ratio -0.20
ACIW's 3-Year Average Share Buyback Ratio is ranked higher than
76% of the 1232 Companies
in the Global Software - Application industry.

( Industry Median: -2.50 vs. ACIW: -0.20 )
Ranked among companies with meaningful 3-Year Average Share Buyback Ratio only.
ACIW' s 3-Year Average Share Buyback Ratio Range Over the Past 10 Years
Min: -14.1  Med: -1.35 Max: 2.9
Current: -0.2
-14.1
2.9

Valuation & Return

vs
industry
vs
history
Price-to-Intrinsic-Value-Projected-FCF 1.47
ACIW's Price-to-Intrinsic-Value-Projected-FCF is ranked higher than
68% of the 872 Companies
in the Global Software - Application industry.

( Industry Median: 2.05 vs. ACIW: 1.47 )
Ranked among companies with meaningful Price-to-Intrinsic-Value-Projected-FCF only.
ACIW' s Price-to-Intrinsic-Value-Projected-FCF Range Over the Past 10 Years
Min: 0.73  Med: 1.7 Max: 2.71
Current: 1.47
0.73
2.71
Price-to-Intrinsic-Value-DCF (Earnings Based) 6.77
ACIW's Price-to-Intrinsic-Value-DCF (Earnings Based) is ranked lower than
95% of the 128 Companies
in the Global Software - Application industry.

( Industry Median: 1.59 vs. ACIW: 6.77 )
Ranked among companies with meaningful Price-to-Intrinsic-Value-DCF (Earnings Based) only.
N/A
Price-to-Median-PS-Value 1.14
ACIW's Price-to-Median-PS-Value is ranked lower than
51% of the 1711 Companies
in the Global Software - Application industry.

( Industry Median: 1.15 vs. ACIW: 1.14 )
Ranked among companies with meaningful Price-to-Median-PS-Value only.
ACIW' s Price-to-Median-PS-Value Range Over the Past 10 Years
Min: 0.31  Med: 1.07 Max: 3.05
Current: 1.14
0.31
3.05
Price-to-Peter-Lynch-Fair-Value 2.90
ACIW's Price-to-Peter-Lynch-Fair-Value is ranked lower than
75% of the 396 Companies
in the Global Software - Application industry.

( Industry Median: 1.62 vs. ACIW: 2.90 )
Ranked among companies with meaningful Price-to-Peter-Lynch-Fair-Value only.
ACIW' s Price-to-Peter-Lynch-Fair-Value Range Over the Past 10 Years
Min: 0.23  Med: 1.26 Max: 3.82
Current: 2.9
0.23
3.82
Earnings Yield (Greenblatt) % 2.82
ACIW's Earnings Yield (Greenblatt) % is ranked higher than
53% of the 1987 Companies
in the Global Software - Application industry.

( Industry Median: 2.32 vs. ACIW: 2.82 )
Ranked among companies with meaningful Earnings Yield (Greenblatt) % only.
ACIW' s Earnings Yield (Greenblatt) % Range Over the Past 10 Years
Min: -0.3  Med: 4.4 Max: 9.4
Current: 2.82
-0.3
9.4
Forward Rate of Return (Yacktman) % 31.19
ACIW's Forward Rate of Return (Yacktman) % is ranked higher than
86% of the 803 Companies
in the Global Software - Application industry.

( Industry Median: 10.91 vs. ACIW: 31.19 )
Ranked among companies with meaningful Forward Rate of Return (Yacktman) % only.
ACIW' s Forward Rate of Return (Yacktman) % Range Over the Past 10 Years
Min: -14.8  Med: 28.7 Max: 51.1
Current: 31.19
-14.8
51.1

More Statistics

Revenue (TTM) (Mil) $1,011.10
EPS (TTM) $ 0.32
Beta1.46
Short Percentage of Float9.59%
52-Week Range $15.11 - 23.97
Shares Outstanding (Mil)118.04

Analyst Estimate

Dec17 Dec18
Revenue (Mil $) 1,023 1,059
EPS ($) 0.49 0.58
EPS without NRI ($) 0.49 0.58
EPS Growth Rate
(Future 3Y To 5Y Estimate)
10.00%
Dividends per Share ($)
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ACI Worldwide to Connect European Banks to Pan-European Instant Payments Jun 19 2017
ACI Worldwide Elected Co-Chair of nexo Standards’ Technical Steering Committee Jun 14 2017
ACI Worldwide Spotlights Mobile Payments and Open API Trends at Premier European Payments Events Jun 07 2017
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New Strong Buy Stocks for May 15th May 15 2017
Behind The Scenes Of Real-Time Payments In the U.S. May 12 2017
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Investor Network: ACI Worldwide, Inc. to Host Earnings Call May 04 2017

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