Aci Worldwide, Inc.

Technology
Computer Software: Prepackaged Software
www.aciworldwide.com

Earnings Score
Moat Score
Safety Score

Market Cap $5.72B
PE 28
Debt $967.43M
Cash $265.02M
EV $6.42B
FCF $343.35M

Earnings

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Sales & Net Margins

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Earnings	$203.12M
EBIT	$308.14M
ROE	14%
ROA	10%
FCF	$343.35M
Equity	$1.42B
Growth Stability	94%
PE	28.16
PEG	1.3
PB	4.02
P/FCF	16.66
P/S	3.59
Price/Cash	0.05
Debt/Equity	0.68
Debt/FCF	2.82
Net Margins	13%
Gross Margins	50%
Op. Margins	19%
Earnings CAGR	22%
Sales Growth YoY	-5%
Sales Growth QoQ	0%
Sales CAGR	6%
FCF CAGR	11%
Equity CAGR	8%
Earnings Stability	0.29
Earnings Growth YoY	-20%
Earnings Growth QoQ	21%

Earnings CAGR 5Y	22%
Sales CAGR 5Y	4%
FCF CAGR 5Y	1%
Equity CAGR 5Y	4%
Earnings CAGR 3Y	5%
Sales CAGR 3Y	5%
FCF CAGR 3Y	35%
Equity CAGR 3Y	5%
Market Cap	$5.72B
Revenue	$1.59B
Assets	$3.03B
Total Debt	$967.43M
Cash	$265.02M
Shares Outstanding	105.24M
EV	6.42B
Earnings Score	18%
Moat Score	92%
Safety Score	91%
Final Score	67%
Working Capital	388.19M
Current Ratio	1.64
Gross Profit	$802.51M
Shares Growth 3y	-3%
Equity Growth QoQ	7%
Equity Growth YoY	8%

Assets & ROA

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Stockholders Equity & ROE

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ACI Worldwide Inc develops, markets, and installs a portfolio of software products primarily focused on facilitating electronic payments. The firm also leverages its distribution network in the Americas; Europe, the Middle East, and Africa, or EMEA; and Asia-Pacific regions to sell software developed by third parties. ACI software products process payment transactions for retail banking clients, billers such as utilities and healthcare providers, and community banks and credit unions. ACI's customers are financial institutions all over the world, but most of the revenue is generated in the United States and EMEA regions.

SEC Filings

Direct access to Aci Worldwide, Inc. (ACIW) Annual Reports (10K) and Quarterly Reports (10Q) from the SEC website.

2024
- 10-K Dec 31
- 10-Q Sep 30
- 10-Q Jun 30
- 10-Q Mar 31
2023
- 10-K Dec 31
- 10-Q Sep 30
- 10-Q Jun 30
- 10-Q Mar 31
2022
- 10-K Dec 31
- 10-Q Sep 30
- 10-Q Jun 30
- 10-Q Mar 31

Sector Comparison

How does Aci Worldwide, Inc. compare to its competitors?

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Peter Lynch's Chart

This chart shows the current pricing of Aci Worldwide, Inc. compared to its past. The addition of the earnings trend line provides further insights into the company's earnings power.

CAGR 22%

Stability 29%

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Aci Worldwide, Inc. Discounted Cash Flow

Fully customizable DCF calculator online for Aci Worldwide, Inc..

Years

Calculation mode

= $7.4B

	0	1	2	3	4	5	6	7	8	9	10	TV
fcf	$343M	$381M	$424M	$470M	$522M	$580M	$644M	$716M	$795M	$883M	$980M	$9.8B
DCF		$347M	$350M	$353M	$357M	$360M	$364M	$367M	$371M	$374M	$378M	$3.8B
Value	$7.4B

Competitiveness and MOAT

High margins render the company resilient under dire circumstances, hence able to drive competitors out or acquire them. ROE and ROA measure the average flow generated by each invested dollar. Their marginal value is a forecast of future growth, and it is considered by Buffett and Munger the most important single indicator.

Years	12/2015	12/2016	12/2017	12/2018	12/2019	12/2020	12/2021	12/2022	12/2023	12/2024	TTM
Net Margins	8%	13%	1%	7%	5%	6%	9%	10%	8%	13%	13%
ROA	-	12%	5%	6%	4%	4%	7%	6%	6%	10%	10%
ROE	-	17%	1%	7%	6%	6%	10%	12%	9%	14%	14%

Good Net Margins (12.74%)

Net Margins are high enough to offer a good protection on the profits in case of higher costs or higher interests. Furthermore higher margins reduce earnings’ volatility.

Safety and Stability

Being debt the number one cause of investment losses and company death, the ratio Debt/FCF is of utmost importance to guarantee safety. On the other hand the Graham’s stability measures the drawdown of earnings, hence indicating the reliability of the flow generated by the company.

Years	12/2015	12/2016	12/2017	12/2018	12/2019	12/2020	12/2021	12/2022	12/2023	12/2024	TTM
Debt over FCF	-	14.29	5.93	4.26	12.48	3.79	5.62	8.93	7.01	2.82	2.82
Debt over Equity	1.58	1.12	0.93	0.67	1.26	1	0.9	0.97	0.84	0.68	0.68
Growth Stability	-	-	-	94%	99%	100%	100%	100%	100%	100%	94%

Neutral Debt/FCF ratio (2.82)

Net Margins are at a level that is not too high nor too low. They are not a competitive advantage but they are not a competitive disadvantage either.

Good Debt/Equity ratio (0.68)

The company is not overleveraged and has a good balance between equity and debt.

Good Graham’s Stability (94%)

The company has a good stability in its earnings, which is a sign of a good competitive advantage.

Growth

Growth can be dangerous when forecasting, simply projecting the current growth is in general wrong. A company passes through multiple phases, from being young and unprofitable, to the first periods of profitability and high growth, until it arrives at a period of regime with limited growth. Identifying in which phase the company is in may help forecasting.

Years	12/2015	12/2016	12/2017	12/2018	12/2019	12/2020	12/2021	12/2022	12/2023	12/2024	CAGR 5Y
Revenue YoY growth	-	-4%	2%	-1%	25%	3%	6%	4%	2%	10%	4%
Earnings YoY growth	-	52%	-96%	1K%	-3%	8%	76%	11%	-15%	67%	22%
Equity YoY growth	-	15%	1%	37%	8%	7%	3%	-4%	11%	8%	4%
FCF YoY growth	-	-62%	104%	38%	-31%	178%	-37%	-35%	23%	115%	1%