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Upturn AI SWOT - About
ACIW 
ACI Worldwide Inc (ACIW)
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Upturn Advisory Summary
11/05/2025: ACIW (2-star) is currently NOT-A-BUY. Pass it for now.
Upturn Star Rating
Below Average Performance
These Stocks/ETFs, based on Upturn Advisory, often underperform the market, warranting careful consideration before investing.
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 70.58% | Avg. Invested days 78 | Today’s Advisory PASS |
Upturn Star Rating | Upturn Advisory Performance  3.0 | Stock Returns Performance  4.0 |
| Profits based on simulation | Last Close 11/05/2025 |
Key Highlights
Company Size Mid-Cap Stock | Market Capitalization 4.98B USD | Price to earnings Ratio 20.44 | 1Y Target Price 64.6 |
Price to earnings Ratio 20.44 | 1Y Target Price 64.6 | ||
Volume (30-day avg) 7 | Beta 1.09 | 52 Weeks Range 40.45 - 59.71 | Updated Date 11/5/2025 |
52 Weeks Range 40.45 - 59.71 | Updated Date 11/5/2025 | ||
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 2025-11-06 | When - | Estimate 0.6817 | Actual - |
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 20.44 | Forward PE 15.55 | Enterprise Value 6211676604 | Price to Sales(TTM) 2.93 |
Enterprise Value 6211676604 | Price to Sales(TTM) 2.93 | ||
Enterprise Value to Revenue 3.65 | Enterprise Value to EBITDA 12.82 | Shares Outstanding 103192071 | Shares Floating 102069341 |
Shares Outstanding 103192071 | Shares Floating 102069341 | ||
Percent Insiders 1.16 | Percent Institutions 100.51 |
Upturn AI SWOT
ACI Worldwide Inc
Company Overview
History and Background
ACI Worldwide, founded in 1975, is a leading international provider of real-time electronic payment and banking solutions. Initially focused on retail payment systems, it has expanded through acquisitions and organic growth to cover a broad range of payment types and channels.
Core Business Areas
- Retail Payments: Provides solutions for merchants, intermediaries, and acquirers to process and manage payments across various channels (e.g., card, mobile, online).
- Wholesale Payments: Offers solutions for banks and financial institutions to manage high-value and mission-critical payments, including real-time payments and cross-border transfers.
- Digital: Provides solutions to banks and merchants to accelerate their digital transformation. This includes fraud prevention and customer engagement solutions.
Leadership and Structure
Thomas Warsop III is the CEO. The company is structured around its key business segments and has a global presence with offices worldwide.
Top Products and Market Share
Key Offerings
- UP Retail Payments: A unified payments platform for retailers. ACI does not disclose specific market share or revenue figures for individual products. Competitors include Worldline, FIS, and Global Payments.
- Enterprise Payments Platform: A solution for financial institutions to manage high-value payments. Market share data is fragmented, making precise figures unavailable. Major competitors include Finastra, Temenos, and FIS.
- ACI Secure eCommerce: A payment gateway that helps online merchants process online payments. Competitors include Adyen, Stripe, and PayPal.
Market Dynamics
Industry Overview
The payments industry is experiencing rapid growth driven by increasing digital adoption, real-time payments initiatives, and the rise of e-commerce. Consolidation and innovation are key trends.
Positioning
ACI Worldwide is a well-established player with a strong presence in both retail and wholesale payments. Its competitive advantage lies in its comprehensive product portfolio and global reach.
Total Addressable Market (TAM)
The global payments market is expected to reach trillions of dollars. ACI is positioned to capture a share of this market by providing solutions to financial institutions, merchants and payment processors. Precise TAM is difficult to estimate due to varied projections.
Upturn SWOT Analysis
Strengths
- Comprehensive product portfolio
- Global presence
- Strong customer relationships
- Established brand reputation
- Recurring revenue model
Weaknesses
- Complexity of product suite
- Integration challenges with legacy systems
- Competition from agile fintech companies
- Relatively slow pace of innovation compared to some competitors
Opportunities
- Expanding into new geographies
- Developing new solutions for emerging payment types (e.g., blockchain, crypto)
- Acquiring complementary technologies
- Capitalizing on the growth of real-time payments
- Partnerships with fintechs
Threats
- Increasing competition from fintech companies
- Cybersecurity risks
- Regulatory changes
- Economic downturns
- Disruptive technologies
Competitors and Market Share
Key Competitors
- FIS (FIS)
- Fiserv (FI)
- Global Payments (GPN)
Competitive Landscape
ACI Worldwide faces competition from large, established players and smaller, more agile fintech companies. ACI's strength lies in its breadth of solutions, while fintechs often focus on specific niches.
Major Acquisitions
Speedpay
- Year: 2017
- Acquisition Price (USD millions): 750
- Strategic Rationale: Expanded ACI's bill payment capabilities and presence in the consumer finance market.
Growth Trajectory and Initiatives
Historical Growth: Historical growth trends can be analyzed using ACI Worldwide's past financial statements.
Future Projections: Analyst estimates for future growth are available from financial data providers.
Recent Initiatives: Recent initiatives include new product launches, acquisitions, and partnerships.
Summary
ACI Worldwide is a key player in the payments industry, offering a broad suite of solutions. Strengths include a global presence and established customer relationships. However, ACI faces increasing competition and must continue to innovate to maintain its market position. Maintaining strong financials is key to future success.
Similar Stocks
Sources and Disclaimers
Data Sources:
- ACI Worldwide Investor Relations
- SEC Filings
- Industry Reports
- Financial Data Providers
- Company Filings and Press Releases
Disclaimers:
This analysis is for informational purposes only and should not be considered financial advice. Market share data is estimated based on available information and may not be precise. Investors should conduct their own due diligence 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.
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