Home 
Today's Top Picks 
Top Performers 
Watchlist 
My Robo Portfolios 
ETF Zone 
Help & Tutorial 
Cancel anytime
- Chart
- Upturn Summary
- Highlights
- Revenue
- Valuation
Upturn AI SWOT - About
ACIW 
ACI Worldwide Inc (ACIW)
- BUY Advisory
- SELL Advisory (Profit)
- SELL Advisory (Loss)
- Profit
- Loss
- Pass (Skip investing)
Stock price based on last close (see disclosures)
- ALL
- YEAR
- MONTH
- WEEK
Upturn Advisory Summary
07/03/2025: ACIW (3-star) is currently NOT-A-BUY. Pass it for now.
Upturn Star Rating
Moderate Performance
These Stocks/ETFs, based on Upturn Advisory, typically align with the market average, offering steady but unremarkable returns.
Number of Analysts
7 Analysts rated it
Limited analyst coverage, niche firm, research info may be scarce.
1 Year Target Price $61.95
1 Year Target Price $61.95
| 4 | Strong Buy |
| 0 | Buy |
| 3 | Hold |
| 0 | Sell |
| 0 | Strong Sell |
Analysis of Past Performance
Type Stock | Historic Profit 69.48% | Avg. Invested days 91 | Today’s Advisory PASS |
Upturn Star Rating | Upturn Advisory Performance  2.0 | Stock Returns Performance  3.0 |
| Profits based on simulation | Last Close 07/03/2025 |
Key Highlights
Company Size Mid-Cap Stock | Market Capitalization 4.85B USD | Price to earnings Ratio 18.26 | 1Y Target Price 61.95 |
Price to earnings Ratio 18.26 | 1Y Target Price 61.95 | ||
Volume (30-day avg) 7 | Beta 1.08 | 52 Weeks Range 38.59 - 59.71 | Updated Date 07/3/2025 |
52 Weeks Range 38.59 - 59.71 | Updated Date 07/3/2025 | ||
Dividends yield (FY) - | Basic EPS (TTM) 2.53 |
Analyzing Revenue: Products, Geography and Growth
Revenue by Products
Product revenue - Year on Year
Revenue by Geography
Geography revenue - Year on Year
Earnings Date
Report Date - | When - | Estimate - | Actual - |
Profitability
Profit Margin 16.13% | Operating Margin (TTM) 14.83% |
Management Effectiveness
Return on Assets (TTM) 7% | Return on Equity (TTM) 19.69% |
Valuation
Trailing PE 18.26 | Forward PE 17.15 | Enterprise Value 5414916858 | Price to Sales(TTM) 2.9 |
Enterprise Value 5414916858 | Price to Sales(TTM) 2.9 | ||
Enterprise Value to Revenue 3.24 | Enterprise Value to EBITDA 10.52 | Shares Outstanding 104900000 | Shares Floating 103781415 |
Shares Outstanding 104900000 | Shares Floating 103781415 | ||
Percent Insiders 0.98 | Percent Institutions 100.89 |
Upturn AI SWOT
ACI Worldwide Inc
Company Overview
History and Background
ACI Worldwide Inc. was founded in 1975 as Applied Communications, Inc. Initially focused on providing software for electronic funds transfer (EFT), it evolved into a global provider of real-time digital payment software and solutions. Significant milestones include acquisitions and expansions into new markets, solidifying its position in the payments industry.
Core Business Areas
- Retail Payments: Provides solutions for merchants, financial institutions, and payment processors to manage and process electronic payments across multiple channels.
- Wholesale Payments: Offers solutions for financial institutions to manage high-value and cross-border payments.
- Bill Payment: Enables billers to offer a variety of payment options to their customers, enhancing customer experience and streamlining operations.
Leadership and Structure
Thomas Warsop III serves as the Chief Executive Officer. The company operates with a functional organizational structure, with departments focused on product development, sales, marketing, and customer support.
Top Products and Market Share
Key Offerings
- ACI Enterprise Payments Platform: A comprehensive platform that supports all payment types and channels, enabling real-time payments processing and fraud management. Market share data is difficult to pinpoint precisely, but it's a major player in global real-time payments. Competitors include FIS, Fiserv, and Global Payments.
- ACI Secure eCommerce: A payment gateway and fraud prevention solution for online merchants. Market share is significant, particularly in certain geographies. Competitors include Adyen, Stripe, and Worldpay.
- ACI Speedpay: A bill payment platform used by large billers. This is used across insurance, utility and healthcare clients. Competitors include Paymentus, Doxo
Market Dynamics
Industry Overview
The payments industry is experiencing rapid growth and innovation, driven by the increasing adoption of digital payments, real-time payments initiatives, and the rise of e-commerce. Key trends include the increasing use of mobile payments, the growing importance of cybersecurity, and the adoption of cloud-based payment solutions.
Positioning
ACI Worldwide Inc. is positioned as a leading provider of real-time digital payment software and solutions, serving a global customer base. Its competitive advantages include its comprehensive product portfolio, its expertise in real-time payments, and its strong customer relationships.
Total Addressable Market (TAM)
The global payments market is expected to reach trillions of dollars. ACI is well positioned to capitalize on this growth with its focus on real-time, digital payments. TAM is estiamted at ~ $2.5 trillion.
Upturn SWOT Analysis
Strengths
- Comprehensive product portfolio
- Expertise in real-time payments
- Strong customer relationships
- Global presence
- Scalable technology
Weaknesses
- Competition from larger players
- Dependence on financial institutions
- Slower innovation compared to nimble fintechs
- Integration complexities with legacy systems
- Occasional implementation issues
Opportunities
- Growth of real-time payments
- Expansion into new markets
- Adoption of cloud-based payment solutions
- Partnerships with fintech companies
- Increasing demand for cybersecurity solutions
Threats
- Increasing competition
- Cybersecurity threats
- Regulatory changes
- Economic downturns
- Disruptive technologies
Competitors and Market Share
Key Competitors
- FIS
- Fiserv
- Global Payments
- Adyen
- Stripe
Competitive Landscape
ACI faces intense competition from larger, more diversified companies. Its strength lies in specific niches like real-time payments, but it needs to continually innovate to stay ahead of competitors and smaller fintech firms.
Major Acquisitions
Speedpay
- Year: 2019
- Acquisition Price (USD millions): 750
- Strategic Rationale: Expanded ACI's bill payment capabilities and strengthened its position in the bill payment market.
Growth Trajectory and Initiatives
Historical Growth: Historical growth needs to be pulled from an external financial data source.
Future Projections: Future projections need to be pulled from an external financial data source.
Recent Initiatives: Recent initiatives include strategic partnerships, product enhancements, and expansion into new markets.
Summary
ACI Worldwide is a significant player in the real-time digital payment sector, benefiting from the growth of digital transactions. It has a strong product portfolio but faces fierce competition and needs continued innovation. Its focus on real-time payments positions it well, but execution and adapting to new technologies are crucial. Investors should monitor competition and technological advancements closely.
Peer Comparison
Sources and Disclaimers
Data Sources:
- Company Filings (SEC)
- Industry Reports
- Analyst Reports
Disclaimers:
The information provided is for informational purposes only and should not be considered as financial advice. Market data is dynamic and may change. Consult with a financial advisor before making any investment decisions.
AI Summarization is directionally correct and might not be accurate.
Summarized information shown could be a few years old and not current.
Fundamental Rating based on AI could be based on old data.
AI-generated summaries may have inaccuracies (hallucinations). Please verify the information before taking action.
About ACI Worldwide Inc
Exchange NASDAQ | Headquaters Elkhorn, NE, United States | ||
IPO Launch date 1995-02-23 | CEO, President & Director Mr. Thomas Woodrow Warsop III | ||
Sector Technology | Industry Software - Infrastructure | Full time employees 3103 | Website https://www.aciworldwide.com |
Full time employees 3103 | Website https://www.aciworldwide.com | ||
ACI Worldwide, Inc. develops, markets, installs, and supports software products and services for facilitating electronic payments in the United States and internationally. It operates through Banks, Merchants, and Billers segments. The company offers ACI Acquiring, a solution to process credit, debit, and prepaid card transactions, deliver digital innovation, enhance fraud prevention, and reduce interchange fees; ACI Issuing, a digital payment issuing solution; and ACI Enterprise Payments Platform to provide payment players payment processing and orchestration for digital payments. It also provides account-to-account payments to support processing for banks and intermediaries, as well as regulatory compliance. In addition, the company offers ACI Payments Orchestration Platform, an omnichannel payments platform that orchestrates and optimizes payments; ACI Fraud Management for merchants, billers, and financial institutions, as well as ACI Fraud Scoring Services with artificial and human insights with data intelligence; and ACI Speedpay, an integrated suite of digital billing, payment, disbursement, and communication services. It offers electronic bill presentment and payment services to consumer finance, insurance, healthcare, higher education, utility, government, subscription provider, telecommunications, and mortgage sectors; product installations and configurations, and custom software modifications; and business and technical consultancy, on-site support, product education, and testing services, as well as distributes or acts as a sales agent for software developed by third parties. The company markets its products and services under the ACI Worldwide brand. The company was formerly known as Transaction Systems Architects, Inc. and changed its name to ACI Worldwide, Inc. in July 2007. The company was founded in 1975 and is headquartered in Elkhorn, Nebraska.
Note: This website is maintained by Upturn Corporation, which is an investment adviser registered with the U.S. Securities and Exchange Commission. Such registration does not imply a certain level of skill or training. Investing in securities has risks. Past performance is no guarantee of future returns. No assurance is provided as to any particular investment return, and you may lose money using our services. You are strongly advised to consult appropriate counsel before making any investments in companies you learn about through our services. You should obtain appropriate legal, tax, investment, accounting, and other advice that takes into account your investment portfolio and overall financial situation. You are solely responsible for conducting due diligence on a potential investment. We do not affect trades for you. You will select your own broker through which to transact. Investments are not FDIC insured, they are not guaranteed, and they may lose value. Please see the Privacy Policy, Terms of Use, and Disclosure for more information.