ACI Worldwide Inc
$
32.81
0.56 (1.74%)
| Volume: | 408,435 | Avg Vol (1m): | 641,357 |
| Market Cap $: | 3.63 Bil | Enterprise Value $: | 4.12 Bil |
| P/E (TTM): | 63.11 | P/B: | 3.67 |
| Earnings Power Value | 2.94 |
| Net Current Asset Value | -4.89 |
| Tangible Book | -1.47 |
| Projected FCF | 15.95 |
| Median P/S Value | 20.62 |
| Graham Number | 0 |
| Peter Lynch Value | 0 |
| DCF (FCF Based) | 12.46 |
| DCF (Earnings Based) | 6.61 |
1Y (-%)
Manual of Stocks™ Web
Financial Strength : 5/10
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.
| Current | vs industry | vs history | |
|---|---|---|---|
| Cash-to-Debt | 0.26 |
Cash-To-Debt ranked
lower than
94.04%
of
2180
companies
in the
Software - Application
industry.
Industry Max: 52661, Med: 5.23, Min: 0.01
ACIW:
0.26
Ranked among companies with meaningful Cash-To-Debt only.
|
Cash-To-Debt range over the past 10 years
Min: 0.06, Med: 1.68, Max: 2257.56
Current: 0.26
|
| Equity-to-Asset | 0.49 |
Equity-to-Asset ranked
lower than
64.35%
of
2115
companies
in the
Software - Application
industry.
Industry Max: 1.55, Med: 0.6, Min: -56.05
ACIW:
0.49
Ranked among companies with meaningful Equity-to-Asset only.
|
Equity-to-Asset range over the past 10 years
Min: 0, Med: 0.48, Max: 0.71
Current: 0.49
|
| Debt-to-Equity | 0.65 |
Debt-to-Equity ranked
lower than
77.03%
of
1267
companies
in the
Software - Application
industry.
Industry Max: 248.23, Med: 0.27, Min: 0.01
ACIW:
0.65
Ranked among companies with meaningful Debt-to-Equity only.
|
Debt-to-Equity range over the past 10 years
Min: 0, Med: 0.29, Max: 264
Current: 0.65
|
| Debt-to-EBITDA | 3.02 |
Debt-to-EBITDA ranked
lower than
74.01%
of
1112
companies
in the
Software - Application
industry.
Industry Max: 5506.28, Med: 1.26, Min: 0.01
ACIW:
3.02
Ranked among companies with meaningful Debt-to-EBITDA only.
|
Debt-to-EBITDA range over the past 10 years
Min: 0.79, Med: 2.94, Max: 3.97
Current: 3.02
|
| Interest Coverage | 2.62 |
Interest Coverage ranked
lower than
90.13%
of
1702
companies
in the
Software - Application
industry.
Industry Max: 14867928, Med: 46.64, Min: 0.01
ACIW:
2.62
Ranked among companies with meaningful Interest Coverage only.
|
Interest Coverage range over the past 10 years
Min: 1.73, Med: 4, Max: 27.24
Current: 2.62
|
| Piotroski F-Score | 7 |
0
1
2
3
4
5
6
7
8
9
| |
| Altman Z-Score | 3.35 |
DISTRESS
GREY
SAFE
| |
| Beneish M-Score | -2.76 |
Not Manipulator
Manipulator
| |
| WACC vs ROIC % |
ROIC 5.98%
WACC 7.44%
| ||
Profitability & Growth : 7/10
GuruFocus Profitability Rank ranks how profitable a company is and how likely the company's business will stay that way.
| Current | vs industry | vs history | |
|---|---|---|---|
| Operating Margin % | 11.38 |
Operating Margin ranked
higher than
71.41%
of
2144
companies
in the
Software - Application
industry.
Industry Max: 678.59, Med: 4.91, Min: -510650
ACIW:
11.38
Ranked among companies with meaningful Operating Margin only.
|
Operating Margin range over the past 10 years
Min: 6.93, Med: 12.35, Max: 14.24
Current: 11.38
|
| Net Margin % | 6.20 |
Net Margin ranked
lower than
58.35%
of
2144
companies
in the
Software - Application
industry.
Industry Max: 990.53, Med: 3.58, Min: -307550
ACIW:
6.2
Ranked among companies with meaningful Net Margin only.
|
Net Margin range over the past 10 years
Min: 0.5, Med: 7.08, Max: 12.88
Current: 6.2
|
| ROE % | 6.28 |
ROE ranked
lower than
61.06%
of
2062
companies
in the
Software - Application
industry.
Industry Max: 1271.48, Med: 6.36, Min: -234428.57
ACIW:
6.28
Ranked among companies with meaningful ROE only.
|
ROE range over the past 10 years
Min: 0.68, Med: 11.66, Max: 18.38
Current: 6.28
|
| ROA % | 3.06 |
ROA ranked
lower than
58.57%
of
2199
companies
in the
Software - Application
industry.
Industry Max: 3269.23, Med: 2.95, Min: -16416.67
ACIW:
3.06
Ranked among companies with meaningful ROA only.
|
ROA range over the past 10 years
Min: 0.27, Med: 4.42, Max: 7.24
Current: 3.06
|
| ROC (Joel Greenblatt) % | 72.64 |
ROC (Joel Greenblatt) ranked
higher than
72.33%
of
2165
companies
in the
Software - Application
industry.
Industry Max: 85250, Med: 23.63, Min: -99999999.99
ACIW:
72.64
Ranked among companies with meaningful ROC (Joel Greenblatt) only.
|
ROC (Joel Greenblatt) range over the past 10 years
Min: 72.64, Med: 244.59, Max: 342.12
Current: 72.64
|
| 3-Year Total Revenue Growth Rate | -1.20 |
3-Year Revenue Growth Rate ranked
lower than
68.02%
of
1829
companies
in the
Software - Application
industry.
Industry Max: 1196.4, Med: 6.3, Min: -100
ACIW:
-0.8
Ranked among companies with meaningful 3-Year Revenue Growth Rate only.
|
3-Year Revenue Growth Rate range over the past 10 years
Min: -10.2, Med: 6.55, Max: 30.4
Current: -0.8
|
| 3-Year Total EBITDA Growth Rate | -2.90 |
3-Year EBITDA Growth Rate ranked
lower than
74.24%
of
1588
companies
in the
Software - Application
industry.
Industry Max: 1165.1, Med: 9.1, Min: -450.9
ACIW:
-2.6
Ranked among companies with meaningful 3-Year EBITDA Growth Rate only.
|
3-Year EBITDA Growth Rate range over the past 10 years
Min: 0, Med: 2.85, Max: 53.4
Current: -2.6
|
| 3-Year EPS w/o NRI Growth Rate | -6.40 |
3-Year EPS w/o NRI Growth Rate ranked
lower than
94.34%
of
1432
companies
in the
Software - Application
industry.
Industry Max: 719.3, Med: 10.7, Min: -502.1
ACIW:
-6.4
Ranked among companies with meaningful 3-Year EPS w/o NRI Growth Rate only.
|
3-Year EPS w/o NRI Growth Rate range over the past 10 years
Min: 0, Med: 1.35, Max: 78.1
Current: -6.4
|
» ACIW's 30-Y Financials
Financials (Next Earnings Date: 2019-08-02)
Guru Trades Click for details
Guru Trades in
SEC Filings
Gurus Latest Trades with NAS:ACIW
» Interactive Chart
Peter Lynch Chart
Business Description
| Industry | Application Software » Software - Application   NAICS : 511210   SIC : 7372 |
| Compare | NAS:QLYS NYSE:ENV HKSE:00268 NYSE:ELLI NAS:VRNT NAS:LOGM SZSE:300383 SZSE:300773 LSE:AVST NAS:BLKB SZSE:002195 NYSE:GLOB SZSE:002065 NAS:APPF OCSE:SIM SHSE:900926 SZSE:002373 NAS:CSOD NYSE:PD TSX:DSG |
| Traded in other countries | TSA.Germany |
| Address | 3520 Kraft Road, Suite 300, Naples, FL, USA, 34105 |
| 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. | |
Ratios
| Current | vs industry | vs history | |
|---|---|---|---|
| PE Ratio (TTM) | 63.11 |
PE Ratio ranked
lower than
97.15%
of
1475
companies
in the
Software - Application
industry.
Industry Max: 10600, Med: 24.79, Min: 0.01
ACIW:
63.11
Ranked among companies with meaningful PE Ratio only.
|
PE Ratio range over the past 10 years
Min: 13.36, Med: 34.8, Max: 2846
Current: 63.11
|
| Forward PE Ratio | 19.80 |
Forward P/E ranked
lower than
51.32%
of
456
companies
in the
Software - Application
industry.
Industry Max: 2500, Med: 26.18, Min: 2.66
ACIW:
19.8
Ranked among companies with meaningful Forward P/E only.
| N/A |
| PE Ratio without NRI | 63.11 |
PE without NRI ranked
lower than
97.17%
of
1414
companies
in the
Software - Application
industry.
Industry Max: 10600, Med: 24.46, Min: 0.01
ACIW:
63.11
Ranked among companies with meaningful PE without NRI only.
|
PE without NRI range over the past 10 years
Min: 13.36, Med: 34.8, Max: 2846
Current: 63.11
|
| Price-to-Owner-Earnings | 35.08 |
Price-to-Owner-Earnings ranked
lower than
62.71%
of
826
companies
in the
Software - Application
industry.
Industry Max: 2445, Med: 25.26, Min: 0.08
ACIW:
35.08
Ranked among companies with meaningful Price-to-Owner-Earnings only.
|
Price-to-Owner-Earnings range over the past 10 years
Min: 7.61, Med: 21.47, Max: 211.56
Current: 35.08
|
| PB Ratio | 3.67 |
PB Ratio ranked
lower than
57.87%
of
2262
companies
in the
Software - Application
industry.
Industry Max: 5500, Med: 2.93, Min: 0.01
ACIW:
3.67
Ranked among companies with meaningful PB Ratio only.
|
PB Ratio range over the past 10 years
Min: 0.61, Med: 3.43, Max: 5.2
Current: 3.67
|
| PS Ratio | 3.88 |
PS Ratio ranked
lower than
60.41%
of
2268
companies
in the
Software - Application
industry.
Industry Max: 285714.29, Med: 2.86, Min: 0
ACIW:
3.88
Ranked among companies with meaningful PS Ratio only.
|
PS Ratio range over the past 10 years
Min: 0.83, Med: 2.43, Max: 4.17
Current: 3.88
|
| Price-to-Free-Cash-Flow | 28.22 |
Price-to-Free-Cash-Flow ranked
lower than
56.82%
of
924
companies
in the
Software - Application
industry.
Industry Max: 2237.2, Med: 28.2, Min: 0.08
ACIW:
28.22
Ranked among companies with meaningful Price-to-Free-Cash-Flow only.
|
Price-to-Free-Cash-Flow range over the past 10 years
Min: 7.81, Med: 23.21, Max: 362.38
Current: 28.22
|
| Price-to-Operating-Cash-Flow | 21.68 |
Price-to-Operating-Cash-Flow ranked
lower than
54.70%
of
1181
companies
in the
Software - Application
industry.
Industry Max: 6271.25, Med: 20.26, Min: 0.04
ACIW:
21.68
Ranked among companies with meaningful Price-to-Operating-Cash-Flow only.
|
Price-to-Operating-Cash-Flow range over the past 10 years
Min: 5.9, Med: 16.98, Max: 81.39
Current: 21.68
|
| EV-to-EBIT | 34.20 |
EV-to-EBIT ranked
lower than
70.07%
of
1537
companies
in the
Software - Application
industry.
Industry Max: 119475.88, Med: 18.1, Min: 0.05
ACIW:
34.2
Ranked among companies with meaningful EV-to-EBIT only.
|
EV-to-EBIT range over the past 10 years
Min: 10.6, Med: 22.1, Max: 125.4
Current: 34.2
|
| EV-to-EBITDA | 18.67 |
EV-to-EBITDA ranked
lower than
60.51%
of
1661
companies
in the
Software - Application
industry.
Industry Max: 64649.64, Med: 14.06, Min: 0.01
ACIW:
18.67
Ranked among companies with meaningful EV-to-EBITDA only.
|
EV-to-EBITDA range over the past 10 years
Min: 7.8, Med: 13.9, Max: 27.1
Current: 18.67
|
| EV-to-Revenue | 4.08 |
EV-to-Revenue ranked
lower than
62.66%
of
2327
companies
in the
Software - Application
industry.
Industry Max: 295554.27, Med: 2.52, Min: 0.01
ACIW:
4.08
Ranked among companies with meaningful EV-to-Revenue only.
|
EV-to-Revenue range over the past 10 years
Min: 0.8, Med: 3.1, Max: 4.6
Current: 4.08
|
| PEG Ratio | 32.79 |
PEG Ratio ranked
lower than
97.08%
of
650
companies
in the
Software - Application
industry.
Industry Max: 288.5, Med: 1.89, Min: 0.02
ACIW:
32.79
Ranked among companies with meaningful PEG Ratio only.
|
PEG Ratio range over the past 10 years
Min: 0.45, Med: 1.27, Max: 1704.19
Current: 32.79
|
| Shiller PE Ratio | 62.50 |
Shiller PE Ratio ranked
lower than
77.21%
of
588
companies
in the
Software - Application
industry.
Industry Max: 13256.8, Med: 33.85, Min: 0.02
ACIW:
62.5
Ranked among companies with meaningful Shiller PE Ratio only.
|
Shiller PE Ratio range over the past 10 years
Min: 33.61, Med: 56.76, Max: 148.83
Current: 62.5
|
| Current Ratio | 1.97 |
Current Ratio ranked
lower than
57.64%
of
2075
companies
in the
Software - Application
industry.
Industry Max: 672.73, Med: 1.93, Min: 0.01
ACIW:
1.97
Ranked among companies with meaningful Current Ratio only.
|
Current Ratio range over the past 10 years
Min: 0.71, Med: 1.48, Max: 2.41
Current: 1.97
|
| Quick Ratio | 1.97 |
Quick Ratio ranked
lower than
53.16%
of
2075
companies
in the
Software - Application
industry.
Industry Max: 672.73, Med: 1.78, Min: 0.01
ACIW:
1.97
Ranked among companies with meaningful Quick Ratio only.
|
Quick Ratio range over the past 10 years
Min: 0.71, Med: 1.48, Max: 2.41
Current: 1.97
|
| Days Sales Outstanding | 96.39 |
Days Sales Outstanding ranked
lower than
74.50%
of
2082
companies
in the
Software - Application
industry.
Industry Max: 989.79, Med: 66.86, Min: 0.02
ACIW:
96.39
Ranked among companies with meaningful Days Sales Outstanding only.
|
Days Sales Outstanding range over the past 10 years
Min: 65.25, Med: 73.26, Max: 125.86
Current: 96.39
|
| Days Payable | 23.37 |
Days Payable ranked
lower than
73.37%
of
1870
companies
in the
Software - Application
industry.
Industry Max: 2567.37, Med: 44.89, Min: 0.02
ACIW:
23.37
Ranked among companies with meaningful Days Payable only.
|
Days Payable range over the past 10 years
Min: 23.37, Med: 41.62, Max: 54.88
Current: 23.37
|
Dividend & Buy Back
| Current | vs industry | vs history | |
|---|---|---|---|
| 3-Year Share Buyback Rate | 0.40 |
3-Year Share Buyback Rate ranked
higher than
75.12%
of
1507
companies
in the
Software - Application
industry.
Industry Max: 100, Med: -3.3, Min: -1487.4
ACIW:
0.4
Ranked among companies with meaningful 3-Year Share Buyback Rate only.
|
3-Year Share Buyback Rate range over the past 10 years
Min: -14.1, Med: -0.85, Max: 2.9
Current: 0.4
|
Valuation & Return
| Current | vs industry | vs history | |
|---|---|---|---|
| Price-to-Projected-FCF | 2.06 |
Price-to-Intrinsic-Value-Projected-FCF ranked
lower than
52.48%
of
907
companies
in the
Software - Application
industry.
Industry Max: 650.5, Med: 2.08, Min: 0.01
ACIW:
2.06
Ranked among companies with meaningful Price-to-Intrinsic-Value-Projected-FCF only.
|
Price-to-Intrinsic-Value-Projected-FCF range over the past 10 years
Min: 0.73, Med: 1.7, Max: 2.69
Current: 2.06
|
| Price-to-DCF (Earnings Based) | 4.97 |
Price-to-Intrinsic-Value-DCF (Earnings Based) ranked
lower than
99.46%
of
186
companies
in the
Software - Application
industry.
Industry Max: 52.79, Med: 1.56, Min: 0.13
ACIW:
4.97
Ranked among companies with meaningful Price-to-Intrinsic-Value-DCF (Earnings Based) only.
|
Price-to-Intrinsic-Value-DCF (Earnings Based) range over the past 10 years
Min: 1.34, Med: 4.97, Max: 224.27
Current: 4.97
|
| Price-to-Median-PS-Value | 1.59 |
Price-to-Median-PS-Value ranked
lower than
77.59%
of
2062
companies
in the
Software - Application
industry.
Industry Max: 78, Med: 1, Min: 0.02
ACIW:
1.59
Ranked among companies with meaningful Price-to-Median-PS-Value only.
|
Price-to-Median-PS-Value range over the past 10 years
Min: 0.3, Med: 1.05, Max: 2.95
Current: 1.59
|
| Earnings Yield (Joel Greenblatt) % | 2.91 |
Earnings Yield (Greenblatt) ranked
higher than
55.41%
of
2413
companies
in the
Software - Application
industry.
Industry Max: 2103.44, Med: 2.07, Min: -5000
ACIW:
2.91
Ranked among companies with meaningful Earnings Yield (Greenblatt) only.
|
Earnings Yield (Greenblatt) range over the past 10 years
Min: 0.8, Med: 4.5, Max: 9.4
Current: 2.91
|
| Forward Rate of Return (Yacktman) % | -1.34 |
Forward Rate of Return ranked
lower than
70.07%
of
939
companies
in the
Software - Application
industry.
Industry Max: 34548.51, Med: 10.12, Min: -301.2
ACIW:
-1.34
Ranked among companies with meaningful Forward Rate of Return only.
|
Forward Rate of Return range over the past 10 years
Min: -11.3, Med: 22.4, Max: 25
Current: -1.34
|
More Statistics
| Revenue (TTM) (Mil) $ | 1,006.33 |
| EPS (TTM) $ | 0.52 |
| Beta | 1.04 |
| Volatility % | 28.15 |
| 52-Week Range $ | 24.02 - 35.86 |
| Shares Outstanding (Mil) | 110.56 |
Analyst Estimate
Piotroski F-Score Details
| Piotroski F-Score | 7 |
| Positive ROA | Y |
| Positive CFROA | Y |
| Higher ROA yoy | Y |
| CFROA > ROA | Y |
| Lower Leverage yoy | Y |
| Higher Current Ratio yoy | Y |
| Less Shares Outstanding yoy | N |
| Higher Gross Margin yoy | Y |
| Higher Asset Turnover yoy | N |