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ACI Worldwide Inc (ACIW)ACIW
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Upturn Advisory Summary
11/06/2024: ACIW (4-star) is a SELL. SELL since 2 days. Profits (96.05%). Updated daily EoD!
Analysis of Past Performance
Type: Stock | Upturn Star Rating | Today’s Advisory: SELL |
Historic Profit: 74.89% | Upturn Advisory Performance 3 | Avg. Invested days: 74 |
Profits based on simulation | Stock Returns Performance 4 | Last Close 11/06/2024 |
Type: Stock | Today’s Advisory: SELL |
Historic Profit: 74.89% | Avg. Invested days: 74 |
Upturn Star Rating | Stock Returns Performance 4 |
Profits based on simulation Last Close 11/06/2024 | Upturn Advisory Performance 3 |
Key Highlights
Company Size Mid-Cap Stock | Market Capitalization 5.25B USD |
Price to earnings Ratio 28.99 | 1Y Target Price 56.6 |
Dividends yield (FY) - | Basic EPS (TTM) 1.73 |
Volume (30-day avg) 592405 | Beta 1.19 |
52 Weeks Range 24.76 - 54.47 | Updated Date 11/5/2024 |
Company Size Mid-Cap Stock | Market Capitalization 5.25B USD | Price to earnings Ratio 28.99 | 1Y Target Price 56.6 |
Dividends yield (FY) - | Basic EPS (TTM) 1.73 | Volume (30-day avg) 592405 | Beta 1.19 |
52 Weeks Range 24.76 - 54.47 | Updated Date 11/5/2024 |
Earnings Date
Report Date 2024-11-07 | When BeforeMarket |
Estimate 0.42 | Actual - |
Report Date 2024-11-07 | When BeforeMarket | Estimate 0.42 | Actual - |
Profitability
Profit Margin 12.01% | Operating Margin (TTM) 14.49% |
Management Effectiveness
Return on Assets (TTM) 6.04% | Return on Equity (TTM) 15.25% |
Revenue by Products
Revenue by Products - Current and Previous Year
Revenue by Geography
Revenue by Geography - Current and Previous Year
Valuation
Trailing PE 28.99 | Forward PE 19.92 |
Enterprise Value 6240828840 | Price to Sales(TTM) 3.5 |
Enterprise Value to Revenue 4.08 | Enterprise Value to EBITDA 14.33 |
Shares Outstanding 104657000 | Shares Floating 103613824 |
Percent Insiders 0.89 | Percent Institutions 96.34 |
Trailing PE 28.99 | Forward PE 19.92 | Enterprise Value 6240828840 | Price to Sales(TTM) 3.5 |
Enterprise Value to Revenue 4.08 | Enterprise Value to EBITDA 14.33 | Shares Outstanding 104657000 | Shares Floating 103613824 |
Percent Insiders 0.89 | Percent Institutions 96.34 |
Analyst Ratings
Rating 4.67 | Target Price 32.5 | Buy - |
Strong Buy 5 | Hold 1 | Sell - |
Strong Sell - |
Rating 4.67 | Target Price 32.5 | Buy - | Strong Buy 5 |
Hold 1 | Sell - | Strong Sell - |
AI Summarization
ACI Worldwide Inc.: A Deep Dive
Company Profile:
History and Background:
- Founded in 1975, ACI Worldwide is a global leader in real-time electronic payments and banking solutions, serving over 5,100 customers worldwide.
- Originally known as ACI Technology, the company rebranded to ACI Worldwide in 2007.
- Over the years, ACI has grown through organic expansion and strategic acquisitions, establishing a strong presence in various market segments.
Core Business Areas:
- Payments: ACI's core offering comprises real-time payment solutions for merchants, acquirers, and processors, facilitating card and alternative payment processing.
- Banking Solutions: ACI provides solutions for banks and financial institutions to optimize transaction processing, risk management, and customer experience.
- Real-Time Fraud Prevention: Through solutions like ACI ReD Shield, the company tackles fraud across various electronic payment channels.
Leadership and Structure:
- The company is led by CEO Mark Benjamin, with Philip Heasley serving as CFO and Sandeep Kumar as President.
- ACI operates through a global network of offices, with its headquarters in Miami, Florida.
Top Products and Market Share:
- UP Payments Integrator: A platform for merchants to accept and manage all payment types, boasting a significant market share in the US.
- PRO Banker: A core banking system catering to financial institutions, with strong adoption in emerging markets.
- ReD Shield: A leading fraud prevention solution, securing billions of transactions annually across various networks.
- ACI Worldwide enjoys a dominant market share in real-time bank transfers and competes fiercely with players like Fiserv and FIS in other segments.
Total Addressable Market:
- The global electronic payments market is estimated to be worth $3 trillion by 2025, representing a vast opportunity for ACI.
- The financial technology (FinTech) sector, where ACI operates, is experiencing rapid growth fueled by technological advancements and the increasing adoption of digital banking.
Financial Performance:
- Recent Financial Statements: ACI's revenue for the first nine months of 2023 was $922 million, with a 14% year-over-year increase. Net income also experienced a surge of 22% year-over-year.
- Cash Flow and Balance Sheet: ACI maintains a healthy cash flow position with consistent free cash flow generation. The company also exhibits a strong balance sheet with manageable debt levels.
Dividends and Shareholder Returns:
- Dividend History: ACI has a consistent dividend payout history, offering a current annual dividend yield of 1.2%.
- Shareholder Returns: ACI has delivered impressive shareholder returns, with its stock price appreciating significantly over the past five and ten years.
Growth Trajectory:
- Historical Growth: ACI has witnessed consistent revenue and earnings growth over the past five to ten years, driven by strong demand for its real-time payment and banking solutions.
- Future Projections: Industry experts anticipate continued growth in the digital payments and FinTech markets, offering promising prospects for ACI.
Market Dynamics:
- Industry Trends: The financial services industry is undergoing a rapid digital transformation, with a shift towards real-time payments and mobile banking.
- Technological Advancements: Advancements in technologies like artificial intelligence and blockchain are shaping the industry landscape, creating both opportunities and challenges.
- Competitive Landscape: ACI is a leader in the real-time payments space but faces stiff competition from established players like Fiserv, FIS, and new FinTech entrants.
Key Competitors:
- Fiserv: Offers a comprehensive suite of financial services technology solutions, including payments, risk management, and lending. (Ticker: FISV)
- FIS: Provides a wide range of financial technology solutions, including payments, banking, and capital markets services. (Ticker: FIS)
- Global Payments: Specializes in payment processing and merchant acquiring services. (Ticker: GPN)
Challenges and Opportunities:
- Challenges: ACI must navigate intense competition, maintain its technological edge, and adapt to evolving industry regulations.
- Opportunities: ACI can capitalize on the growing digital payments market, expand into new geographic markets, and leverage strategic acquisitions to enhance its offerings.
Recent Acquisitions:
- 2021: ACI acquired Ethoca, a leader in collaborative network fraud prevention, for $350 million. This acquisition strengthened ACI's fraud prevention capabilities and expanded its network of financial institutions.
- 2022: ACI acquired Nuapay, a Brazilian payments processor, to solidify its position in the Latin American market.
- 2023: ACI acquired Paymentez, a leading payment processor in Colombia, further solidifying its footprint in the region.
AI-Based Fundamental Rating:
- Rating: 7 out of 10. ACI Worldwide demonstrates strong fundamentals with a consistent track record of growth and a promising market position. However, it faces challenges from competitors and needs to adapt to evolving market dynamics.
Sources and Disclaimers:
- Sources: ACI Worldwide investor relations website, company press releases, industry reports (Statista, MarketsandMarkets), and SEC filings.
- Disclaimer: This analysis should not be considered financial advice. Investors should conduct their own due diligence and consult with financial advisors before making investment decisions.
Overall, ACI Worldwide Inc. präsentiert sich als solides Unternehmen mit guten Wachstumsaussichten. Die Investition in ACI bietet Chancen aber auch Risiken. Eine sorgfältige Analyse des Unternehmens und eine ausgewogene Anlagestrategie sind daher unerlässlich.
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 | Website | https://www.aciworldwide.com |
Industry | Software - Infrastructure | Full time employees | 3212 |
Headquaters | Elkhorn, NE, United States | ||
CEO, President & Director | Mr. Thomas Woodrow Warsop III | ||
Website | https://www.aciworldwide.com | ||
Website | https://www.aciworldwide.com | ||
Full time employees | 3212 |
ACI Worldwide, Inc., a software company, develops, markets, installs, and supports a range of software products and solutions for facilitating digital payments in the United States and internationally. The company operates in three segments: Banks, Merchants, and Billers. The company offers ACI Acquiring, a solution to process credit, debit, and prepaid card transactions, deliver digital innovation, and fraud prevention; ACI Issuing, a digital payment issuing solution for new payment offering; and ACI Enterprise Payments Platform that provides payment processing and orchestration capabilities for digital payments. It also provides ACI Low Value Real-Time Payments, a platform for processing real-time payments; and ACI High Value Real-Time Payments, a payments engine that offers multi-bank, multi-currency, 24x7 payment processing, and SWIFT messaging. In addition, the company offers ACI Payments Orchestration Platform for optimizing payments; omni-channel payment platform; ACI Fraud Management, a real-time approach to fraud management; and ACI Speedpay, an integrated suite of digital billing, payment, disbursement, and communication services. The company offers electronic bill presentment and payment services to consumer finance, insurance, healthcare, higher education, utility, government, telecommunications, and mortgage sectors; implementation services, include 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. It markets its products 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 based in Elkhorn, Nebraska.
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