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Upturn AI SWOT - About
ACIW 
ACI Worldwide Inc (ACIW)
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Upturn Advisory Summary
04/22/2025: 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.
Analysis of Past Performance
Type Stock | Historic Profit 51.19% | Avg. Invested days 54 | Today’s Advisory PASS |
Upturn Star Rating | Upturn Advisory Performance  2.0 | Stock Returns Performance  3.0 |
| Profits based on simulation | Last Close 04/22/2025 |
Key Highlights
Company Size Mid-Cap Stock | Market Capitalization 5.43B USD | Price to earnings Ratio 27.04 | 1Y Target Price 62.29 |
Price to earnings Ratio 27.04 | 1Y Target Price 62.29 | ||
Volume (30-day avg) 760193 | Beta 1.13 | 52 Weeks Range 32.89 - 59.71 | Updated Date 04/23/2025 |
52 Weeks Range 32.89 - 59.71 | Updated Date 04/23/2025 | ||
Dividends yield (FY) - | Basic EPS (TTM) 1.91 |
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 2025-04-28 | When Before Market | Estimate - | Actual - |
Profitability
Profit Margin 12.74% | Operating Margin (TTM) 27.21% |
Management Effectiveness
Return on Assets (TTM) 6.14% | Return on Equity (TTM) 14.78% |
Valuation
Trailing PE 27.04 | Forward PE 18.87 | Enterprise Value 6172293318 | Price to Sales(TTM) 3.41 |
Enterprise Value 6172293318 | Price to Sales(TTM) 3.41 | ||
Enterprise Value to Revenue 3.87 | Enterprise Value to EBITDA 13.92 | Shares Outstanding 105174000 | Shares Floating 104219466 |
Shares Outstanding 105174000 | Shares Floating 104219466 | ||
Percent Insiders 0.97 | Percent Institutions 100.59 |
Analyst Ratings
Rating 3.86 | Target Price 62.29 | Buy - | Strong Buy 3 |
Buy - | Strong Buy 3 | ||
Hold 4 | Sell - | Strong Sell - | |
Strong Sell - |
Upturn AI SWOT
ACI Worldwide Inc
Company Overview
History and Background
ACI Worldwide, founded in 1975, provides payment systems for financial institutions, retailers, and billers. Originally Transaction Systems Architects, Inc. (TSAI), it evolved through acquisitions and organic growth to become ACI Worldwide.
Core Business Areas
- Retail Payments: Provides solutions for merchants and retailers to accept payments across various channels.
- Wholesale Payments: Offers solutions for financial institutions to manage high-value and real-time payments.
- Bill Payment: Enables billers to offer customers convenient and secure payment options.
- Fraud Management: Provides solutions to detect and prevent fraudulent transactions across different payment types.
Leadership and Structure
Thomas Warsop III is the CEO. ACI Worldwide operates with a global structure, organized into business units focused on specific payment segments. The company has a board of directors overseeing strategic direction.
Top Products and Market Share
Key Offerings
- UP Retail Payments: A comprehensive platform for retail payment processing. ACI claims a significant share of the fraud prevention market within their customer base. Competitors include FIS (FIS), Global Payments (GPN) and Adyen (ADYEY).
- Money Transfer System: Provides real-time payment processing for banks and financial institutions. Competitors include Fiserv (FI) and Temenos (TEMN).
- Speedpay: A bill payment solution for businesses to manage customer payments. Competitors include KUBRA and Paymentus (PAY).
Market Dynamics
Industry Overview
The payment processing industry is experiencing rapid growth driven by the increasing adoption of digital payments, e-commerce, and real-time payment systems.
Positioning
ACI Worldwide is a leading provider of payment solutions, positioned to benefit from the shift towards digital payments. ACI differentiates itself by offering a comprehensive portfolio of solutions across various payment segments.
Total Addressable Market (TAM)
The global payments market is estimated to be worth trillions of dollars. ACI is positioned to capture a portion of this TAM by expanding its product offerings, and focusing on new markets.
Upturn SWOT Analysis
Strengths
- Comprehensive product portfolio
- Global presence
- Established customer base
- Strong technology platform
Weaknesses
- Integration of acquired companies
- Competition from larger players
- Reliance on financial institutions
- Relatively high customer concentration
Opportunities
- Expansion into new markets
- Adoption of real-time payments
- Growth in e-commerce
- Increasing demand for fraud prevention solutions
Threats
- Cybersecurity risks
- Regulatory changes
- Economic downturns
- Intense competition
Competitors and Market Share
Key Competitors
- FIS (FIS)
- Fiserv (FI)
- Global Payments (GPN)
- Adyen (ADYEY)
- Paymentus (PAY)
Competitive Landscape
ACI Worldwide competes with larger and more specialized companies in the payment processing space. Its comprehensive product portfolio is a strength, but it needs to focus on innovation and customer service to maintain its position.
Major Acquisitions
Speedpay
- Year: 2017
- Acquisition Price (USD millions): 750
- Strategic Rationale: Expanded ACI's bill payment capabilities, enabling it to offer a complete suite of payment solutions.
Growth Trajectory and Initiatives
Historical Growth: ACI Worldwide has grown through a combination of organic growth and acquisitions.
Future Projections: Future growth projections depend on factors such as market trends, and new product developments.
Recent Initiatives: Recent strategic initiatives of ACI Worldwide include focusing on real-time payments, cloud-based solutions, and expanding their fraud management offerings.
Summary
ACI Worldwide is a key player in the payment processing industry, possessing a strong product portfolio and a global footprint. However, they face intense competition and need to integrate their acquisitions effectively. Future growth depends on adapting to new technologies and expanding into emerging markets. Investors should watch for trends such as digital payments.
Similar Companies
FI
Fiserv, Inc.
FI
Fiserv, Inc.
FIS
Fidelity National Information Services Inc
FIS
Fidelity National Information Services Inc
GPN
Global Payments Inc
GPN
Global Payments Inc
PAY
Paymentus Holdings Inc
PAY
Paymentus Holdings Inc
Sources and Disclaimers
Data Sources:
- ACI Worldwide Investor Relations
- Company Filings
- Industry Reports
- Market Analysis
Disclaimers:
This analysis is for informational purposes only and does not constitute financial advice. Market share data is approximate. Consult a financial professional before making 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.
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