NAS:ACIW (USA) Also trade in: Germany

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 (-%)

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
0.06
2257.56
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
0
0.71
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
0
264
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
0.79
3.97
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
1.73
27.24
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
6.93
14.24
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
0.5
12.88
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
0.68
18.38
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
0.27
7.24
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
72.64
342.12
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
-10.2
30.4
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
0
53.4
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
0
78.1

» ACIW's 30-Y Financials

Financials (Next Earnings Date: 2019-08-02)

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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
13.36
2846
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
13.36
2846
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
7.61
211.56
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
0.61
5.2
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
0.83
4.17
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
7.81
362.38
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
5.9
81.39
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
10.6
125.4
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
7.8
27.1
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
0.8
4.6
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
0.45
1704.19
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
33.61
148.83
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
0.71
2.41
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
0.71
2.41
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
65.25
125.86
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
23.37
54.88

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
-14.1
2.9

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
0.73
2.69
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
1.34
224.27
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
0.3
2.95
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
0.8
9.4
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
-11.3
25

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