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Upturn AI SWOT - About
ACIW 
ACI Worldwide Inc (ACIW)
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Upturn Advisory Summary
08/29/2025: ACIW (3-star) is a STRONG-BUY. BUY since 7 days. Profits (3.09%). Updated daily EoD!
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 $64.6
1 Year Target Price $64.6
| 4 | Strong Buy |
| 0 | Buy |
| 3 | Hold |
| 0 | Sell |
| 0 | Strong Sell |
Analysis of Past Performance
Type Stock | Historic Profit 74.72% | Avg. Invested days 70 | Today’s Advisory Strong Buy |
Upturn Star Rating | Upturn Advisory Performance  3.0 | Stock Returns Performance  4.0 |
| Profits based on simulation | Last Close 08/29/2025 |
Key Highlights
Company Size Mid-Cap Stock | Market Capitalization 5.09B USD | Price to earnings Ratio 20.91 | 1Y Target Price 64.6 |
Price to earnings Ratio 20.91 | 1Y Target Price 64.6 | ||
Volume (30-day avg) 7 | Beta 1.08 | 52 Weeks Range 40.45 - 59.71 | Updated Date 08/29/2025 |
52 Weeks Range 40.45 - 59.71 | Updated Date 08/29/2025 | ||
Dividends yield (FY) - | Basic EPS (TTM) 2.36 |
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 2025-08-07 | When - | Estimate 0.09 | Actual 0.35 |
Profitability
Profit Margin 14.76% | Operating Margin (TTM) 9.96% |
Management Effectiveness
Return on Assets (TTM) 6.73% | Return on Equity (TTM) 19.09% |
Valuation
Trailing PE 20.91 | Forward PE 17.95 | Enterprise Value 5817482893 | Price to Sales(TTM) 2.99 |
Enterprise Value 5817482893 | Price to Sales(TTM) 2.99 | ||
Enterprise Value to Revenue 3.42 | Enterprise Value to EBITDA 12 | Shares Outstanding 103192000 | Shares Floating 102065214 |
Shares Outstanding 103192000 | Shares Floating 102065214 | ||
Percent Insiders 1 | Percent Institutions 100.56 |
Upturn AI SWOT
ACI Worldwide Inc
Company Overview
History and Background
ACI Worldwide, founded in 1975 as Applied Communications, Inc., initially focused on electronic funds transfer (EFT) systems. It evolved to provide a comprehensive suite of payment solutions, growing through acquisitions and organic development.
Core Business Areas
- Retail Payments: Provides solutions for acquiring, switching, routing, and authorizing electronic payments for merchants, banks, and processors.
- Wholesale Payments: Offers solutions for managing and processing high-value, complex payment transactions for financial institutions and corporations.
- Digital Payments: Enables secure and seamless digital payments across various channels, including mobile, online, and in-app payments.
Leadership and Structure
Thomas Warsop III is the current CEO. The company has a functional organizational structure with departments for sales, marketing, product development, and finance.
Top Products and Market Share
Key Offerings
- ACI Enterprise Payments Platform: A comprehensive platform for managing all payment types across multiple channels. Competitors include FIS (FIS), Fiserv (FI), and Global Payments (GPN). While specific market share data is dynamic and not publicly available, ACI is a major player in the payments processing platform space. Revenue data specific to this product is not broken out.
- ACI Fraud Management: Provides real-time fraud detection and prevention solutions. Competitors include NICE Actimize, SAS, and Experian. Market share data is difficult to pinpoint exactly, but ACI is a significant provider in this sector. Revenue data specific to this product is not broken out.
Market Dynamics
Industry Overview
The payments industry is experiencing rapid growth driven by digital transformation, increasing mobile adoption, and the rise of e-commerce. Key trends include real-time payments, embedded finance, and enhanced security measures.
Positioning
ACI Worldwide is positioned as a global provider of real-time payment solutions, serving a diverse range of clients across industries. Its competitive advantages include its comprehensive platform, deep industry expertise, and global reach.
Total Addressable Market (TAM)
The global payments market is estimated to be worth trillions of dollars. ACI is well-positioned to capture a portion of this TAM through its diverse product offerings and global presence.
Upturn SWOT Analysis
Strengths
- Comprehensive payments platform
- Global presence
- Deep industry expertise
- Strong customer relationships
- Scalable solutions
Weaknesses
- Integration complexity
- Competition from larger players
- Dependence on financial institutions
- Relatively slower organic growth
- Profit margins could be improved
Opportunities
- Growth in real-time payments
- Expansion into new markets
- Strategic acquisitions
- Increasing demand for fraud management solutions
- Partnerships with fintech companies
Threats
- Intense competition
- Regulatory changes
- Cybersecurity threats
- Economic downturns
- Disruptive technologies
Competitors and Market Share
Key Competitors
- FIS (FIS)
- Fiserv (FI)
- Global Payments (GPN)
- NICE (NICE)
- SAS (Private)
Competitive Landscape
ACI Worldwide competes with larger players in the payments industry. ACI's strengths include its comprehensive platform and global reach. Its weaknesses include integration complexity and potential profitability issues.
Major Acquisitions
Speedpay
- Year: 2017
- Acquisition Price (USD millions): 750
- Strategic Rationale: Expanded ACI's bill payment capabilities and market reach.
Growth Trajectory and Initiatives
Historical Growth: ACI Worldwide has grown through organic expansion and strategic acquisitions. Examine past revenue growth and profitability trends.
Future Projections: Analyst estimates project continued growth in revenue and earnings. Check financial news and research reports for analyst forecasts. Growth Rate Example: [0.05, 0.06, 0.05, 0.04, 0.04]
Recent Initiatives: Identify recent strategic partnerships, product launches, and acquisitions.
Summary
ACI Worldwide is a significant player in the global payments landscape, offering a comprehensive platform with a wide array of payment solutions. While it holds a notable market share, it faces intense competition from larger, well-established companies. ACI benefits from strong customer relationships and a global presence, but should focus on improving profit margins and integration complexity. Strategic acquisitions can help accelerate growth and expand market reach.
Peer Comparison
Sources and Disclaimers
Data Sources:
- SEC Filings (10-K, 10-Q)
- Company Website
- Financial News Outlets
- Analyst Reports
Disclaimers:
The information provided is for informational purposes only and should not be considered financial advice. Market share data are estimates and may vary. Investment decisions should be based on thorough research and consultation with a financial professional.
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.
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