ACI Worldwide Inc

ACI Worldwide Inc

ACIW · NASDAQ · Technology / Software - Infrastructure

60.79USD-0.47 (-0.77%)

Price History

Full chart

Market Stats

Previous Close61.26
Open61.46
Day Range60.72 – 61.81
52-Week Range38.05 – 61.08
Volume562.20K
Market Cap5.62B
P/E (TTM)25.42
Forward P/E14.03
EPS2.19
Dividend Yield0.00%
Beta0.99
50-Day Avg51.77
200-Day Avg47.04

About

ACI Worldwide, Inc. develops, markets, installs, and supports software products and services for facilitating electronic payments in the United States and worldwide. It operates through Payment Software, and Billers segments. The company offers ACI Acquiring, a solution to process credit, debit, and prepaid card transactions, deliver digital innovation, fraud prevention, and reduce fees; ACI Issuing, a digital payment issuing solution; and ACI Connetic, a solution that offers payment services for processing, routing, and managing various payment types. It provides ACI real-time payments, a solution that provides connectivity to payment rails; ACI RTGS and cross-border, a payments engine that offers multi-currency, payment and STP processing, and back-office integration interfaces; and ACI digital central infrastructure, a solution that offers real-time payments service. Further, it offers ACI Payments Orchestration Platform, a payments platform that orchestrates and optimizes payments; ACI Fraud Management for merchants, billers, and financial institutions; ACI Fraud Scoring Services with artificial and human insights with data intelligence; and Speedpay, an integrated suite of digital billing, payment, disbursement, and communication services. Additionally, 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 distributes software developed by third parties. It has strategic partnerships with dLocal. 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.

Company Details

  • SectorTechnology
  • IndustrySoftware - Infrastructure
  • CEOMr. Thomas Woodrow Warsop III
  • Employees2.93K
  • Headquarters6060 Coventry Drive, Elkhorn, NE, United States, 68022-6482, USA
  • Websitehttps://www.aciworldwide.com

Leadership

  • Mr. Thomas Woodrow Warsop IIICEO, President & Director · b. 1966
  • Mr. Robert W. LeibrockChief Financial Officer · b. 1982
  • Mr. J. P. KrishnamoorthyChief Innovation & Technology Officer · b. 1968
  • Mr. Dennis P. Byrnes J.D.Executive VP, Chief Legal and Risk Officer, General Counsel & Secretary · b. 1963
  • Ms. Bindu ChellappanSenior Vice President of Marketing
  • Ms. Praveena NathawatChief Human Resources Officer
  • Mr. Craig A. MakiChief Development Officer · b. 1966
  • Mr. John KraftHead of Strategy & Finance
  • Mr. Craig RamseyHead of Real-Time Payments, Product Management
  • Mr. Philip BrunoChief Strategy & Growth Officer

Financials

Income Statement

Currency: USD1994-12-311995-12-311996-12-311997-12-311998-12-311999-12-312000-12-312001-12-312002-12-312003-12-312004-12-312005-12-312006-12-312007-12-312008-12-312009-12-312010-12-312011-12-312012-12-312013-12-312014-12-312015-12-312016-12-312017-12-312018-12-312019-12-312020-12-312021-12-312022-12-312023-12-312024-12-312025-12-31
Total Revenue74.10M114.90M159.80M215.50M289.80M354.80M303.56M299.80M282.83M277.29M292.78M313.24M347.90M366.22M417.65M405.75M418.42M465.10M666.58M864.93M1.02B1.05B1.01B1.02B1.01B1.26B1.29B1.37B1.42B1.45B1.59B1.76B
Growth (%)-+55.06%+39.08%+34.86%+34.48%+22.43%-14.44%-1.24%-5.66%-1.96%+5.59%+6.99%+11.07%+5.26%+14.04%-2.85%+3.12%+11.15%+43.32%+29.76%+17.48%+2.94%-3.85%+1.84%-1.41%+24.61%+2.86%+5.89%+3.74%+2.16%+9.76%+10.38%
Cost of Revenue32.80M37.00M62.20M78.40M96.10M99.60M129.36M116.80M91.69M86.85M82.38M85.00M110.75M140.84M129.93M127.65M129.72M134.28M225.64M343.84M454.76M472.30M444.91M452.29M430.35M617.45M622.46M638.87M696.07M719.21M791.78M897.65M
Gross Profit41.30M77.90M121.00M165.70M203.10M255.20M125.37M178.80M191.13M190.44M210.41M228.23M237.16M225.38M287.72M278.11M288.70M330.81M440.94M521.09M561.39M573.68M560.79M571.90M579.43M640.84M671.86M731.73M725.83M733.37M802.50M862.13M
Gross Margin55.74%67.80%75.72%76.89%70.08%71.93%41.30%59.64%67.58%68.68%71.86%72.86%68.17%61.54%68.89%68.54%69.00%71.13%66.15%60.25%55.25%54.85%55.76%55.84%57.38%50.93%51.91%53.39%51.05%50.49%50.34%48.99%
Operating Expense70.30M68.20M97.80M125.70M151.70M184.90M178.24M234.95M149.47M155.18M155.59M163.98M183.38M222.96M266.01M236.54M235.05M264.58M366.56M398.04M423.22M445.73M339.66M487.26M453.52M517.09M527.12M521.83M522.00M512.96M494.37M532.22M
Operating Income-29.00M9.70M23.20M40.00M51.40M70.30M-52.87M-56.15M41.67M35.26M54.81M64.25M53.78M2.42M21.71M41.57M53.65M66.23M74.37M123.05M138.17M127.95M221.13M84.64M125.91M123.76M144.74M209.90M203.84M220.41M308.13M329.91M
Operating Margin-39.14%8.44%14.52%18.56%17.74%19.81%-17.42%-18.73%14.73%12.72%18.72%20.51%15.46%0.66%5.20%10.25%12.82%14.24%11.16%14.23%13.60%12.23%21.99%8.26%12.47%9.84%11.18%15.31%14.34%15.17%19.33%18.75%
EBITDA-21.40M18.60M33.50M49.90M62.90M91.80M-23.26M-15.94M57.55M44.30M61.38M69.43M62.14M23.26M54.62M59.69M77.05M95.12M126.47M190.35M225.19M252.18M329.22M184.81M230.68M274.75M319.02M364.03M398.19M360.11M443.55M475.39M
EBITDA Margin-28.88%16.19%20.96%23.16%21.70%25.87%-7.66%-5.32%20.35%15.98%20.97%22.17%17.86%6.35%13.08%14.71%18.41%20.45%18.97%22.01%22.16%24.11%32.74%18.04%22.84%21.83%24.65%26.56%28.00%24.79%27.82%27.01%
Net Income-33.50M3.80M12.60M23.60M31.80M44.70M2.11M-43.02M15.27M14.32M46.69M43.25M55.37M-9.13M10.58M19.63M27.20M45.85M48.85M63.87M67.56M85.44M129.53M5.13M68.92M67.06M72.66M127.79M142.18M121.51M203.12M226.66M
Net Income Margin-45.21%3.31%7.88%10.95%10.97%12.60%0.70%-14.35%5.40%5.17%15.95%13.81%15.91%-2.49%2.53%4.84%6.50%9.86%7.33%7.38%6.65%8.17%12.88%0.50%6.83%5.33%5.61%9.32%10.00%8.37%12.74%12.88%
R&D--14.50M-25.40M34.60M38.83M40.53M35.03M35.37M38.01M39.69M40.77M52.09M45.90M77.51M74.08M90.18M133.76M142.56M144.21M145.92M169.90M136.92M143.63M146.57M139.29M144.31M146.31M140.76M146.68M167.54M
R&D as % of Total Revenue--9.07%-8.76%9.75%12.79%13.52%12.39%12.76%12.98%12.67%11.72%14.22%10.99%19.10%17.70%19.39%20.07%16.48%14.19%13.95%16.89%13.37%14.22%11.65%10.76%10.53%10.29%9.69%9.20%9.52%
Interest Expense3.00M1.70M200.00K0200.00K400.00K912.00K2.00M5.60M3.00M1.44M510.00K185.00K6.64M5.01M2.86M2.00M2.43M10.42M27.22M39.74M41.37M40.18M39.01M41.53M64.03M56.63M45.06M53.19M78.49M72.47M57.85M
Interest Expense % of Total Revenue4.05%1.48%0.13%0.00%0.07%0.11%0.30%0.67%1.98%1.08%0.49%0.16%0.05%1.81%1.20%0.70%0.48%0.52%1.56%3.15%3.91%3.96%4.00%3.81%4.11%5.09%4.38%3.29%3.74%5.40%4.55%3.29%

Balance Sheet

Currency: USD1994-12-311995-12-311996-12-311997-12-311998-12-311999-12-312000-12-312001-12-312002-12-312003-12-312004-12-312005-12-312006-12-312007-12-312008-12-312009-12-312010-12-312011-12-312012-12-312013-12-312014-12-312015-12-312016-12-312017-12-312018-12-312019-12-312020-12-312021-12-312022-12-312023-12-312024-12-312025-12-31
Total Assets58.60M100.10M123.20M165.20M221.40M329.50M330.15M327.45M266.52M263.90M344.43M363.38M534.15M506.74M552.84M590.04M601.53M664.64M1.25B1.68B1.85B1.99B1.90B1.86B2.12B3.26B3.39B3.16B3.21B3.44B3.03B3.10B
Total Liabilities57.40M40.40M46.70M61.20M77.90M104.30M119.79M108.78M163.66M141.03M139.43M146.26M266.94M281.73M339.00M353.98M345.91M347.31M716.53M1.14B1.27B1.34B1.15B1.10B1.07B2.13B2.18B1.91B2.02B2.12B1.60B1.59B
Total Equity1.20M59.70M76.50M104.00M143.50M225.20M210.36M218.67M102.86M122.87M205.00M217.12M267.21M225.01M213.84M236.06M255.62M317.33M534.36M543.69M581.40M654.40M754.92M764.60M1.05B1.13B1.21B1.24B1.19B1.32B1.42B1.52B
Cash3.50M35.50M31.50M46.60M62.60M70.50M23.40M32.25M87.89M113.99M178.32M83.69M110.15M60.79M112.97M125.92M171.31M197.10M76.33M95.06M77.30M102.24M75.75M69.71M148.50M121.40M165.37M122.06M124.98M164.24M216.39M196.46M
Total Debt26.40M800.00K3.20M3.70M3.00M1.50M18.93M13.32M43.31M24.94M5.71M2.32M75.00M75.00M75.00M75.00M75.00M136.86M374.25M755.38M891.93M938.58M743.92M685.73M671.76M1.43B1.21B1.12B1.14B1.08B956.43M871.68M
Net Debt22.90M-34.70M-28.30M-42.90M-59.60M-69.00M-4.47M-18.93M-44.58M-89.05M-172.61M-81.37M-35.15M14.21M-37.97M-50.92M-96.31M-122.10M297.92M660.32M814.63M836.34M668.16M616.02M523.25M1.31B1.04B998.55M1.01B912.19M740.04M675.22M

Cash Flow

Currency: USD1994-12-311995-12-311996-12-311997-12-311998-12-311999-12-312000-12-312001-12-312002-12-312003-12-312004-12-312005-12-312006-12-312007-12-312008-12-312009-12-312010-12-312011-12-312012-12-312013-12-312014-12-312015-12-312016-12-312017-12-312018-12-312019-12-312020-12-312021-12-312022-12-312023-12-312024-12-312025-12-31
Operating Cash Flow12.20M11.00M17.80M30.60M35.40M40.30M-13.64M22.76M78.97M37.95M58.09M53.15M60.70M24.85M77.83M44.22M81.31M83.46M-9.27M138.42M149.03M183.07M99.83M146.20M183.93M137.65M336.30M220.47M143.38M168.52M358.75M322.83M
Investing Cash Flow-61.30M-6.40M-22.80M-18.00M-24.70M-20.20M-32.66M-9.90M1.36M116.00K-2.50M-79.41M-79.44M-25.96M-16.96M-23.37M-19.35M-47.68M-342.94M-410.71M-240.69M-199.96M129.63M-54.41M-45.36M-830.48M-30.70M-45.37M60.25M-37.78M-45.05M7.22M
Financing Cash Flow52.50M27.40M1.10M1.60M500.00K-13.50M-40.00K-4.15M-24.43M-14.86M-2.82M-24.76M45.16M-50.01M-27.69M-14.06M-17.57M-8.72M233.90M291.64M78.08M49.56M-251.08M-98.15M-57.70M667.22M-261.57M-256.88M-171.06M-111.55M-288.20M-336.65M
Capital Expenditure4.70M5.70M9.30M7.20M8.80M16.30M6.57M3.39M3.81M2.52M3.86M3.83M5.99M8.89M11.96M10.47M13.17M18.98M16.66M32.60M34.90M48.91M63.08M54.41M43.89M48.01M46.63M45.37M39.89M37.78M15.40M12.91M
Free Cash Flow7.50M5.30M8.50M23.40M26.60M24.00M-20.21M19.37M75.16M35.43M54.23M49.32M54.71M15.96M65.87M33.75M68.14M64.48M-25.93M105.82M114.13M134.17M36.75M91.78M140.04M89.64M289.67M175.10M103.49M130.74M343.35M309.92M
Dividends Paid-1.80M------------3.84M1.81M3.15M79.48M318.00M659.56M335.96M085.33M495.87M528.67M789.00M41.92M29.03M----
FCF to OCF61.48%48.18%47.75%76.47%75.14%59.55%148.20%85.11%95.17%93.37%93.35%92.79%90.14%64.22%84.64%76.32%83.81%77.26%279.84%76.45%76.58%73.29%36.81%62.78%76.14%65.12%86.13%79.42%72.18%77.58%95.71%96.00%
Dividend Paid to FCF-33.96%------------5.83%5.37%4.62%123.25%-1226.52%623.30%294.38%0.00%232.18%540.27%377.52%880.24%14.47%16.58%----

Earnings

Report DateJan 25, 1996Apr 25, 1996Jul 25, 1996Oct 31, 1996Jan 23, 1997Apr 24, 1997Jul 24, 1997Oct 30, 1997Jan 22, 1998Apr 23, 1998Jul 23, 1998Oct 29, 1998Jan 21, 1999Apr 22, 1999Jul 22, 1999Oct 28, 1999Jan 20, 2000Apr 25, 2000Jul 20, 2000Oct 26, 2000Jan 18, 2001May 1, 2001Jul 31, 2001Oct 30, 2001Jan 29, 2002Apr 30, 2002Jul 30, 2002Feb 13, 2003Apr 29, 2003Jul 29, 2003Oct 28, 2003Jan 27, 2004Apr 27, 2004Jul 27, 2004Oct 26, 2004Jan 25, 2005Apr 26, 2005Jul 26, 2005Oct 25, 2005Jan 31, 2006Apr 25, 2006Jul 25, 2006Nov 14, 2006Jan 30, 2007Jun 29, 2007Sep 20, 2007Jan 30, 2008May 8, 2008Aug 12, 2008Nov 6, 2008Feb 26, 2009May 6, 2009Aug 6, 2009Nov 5, 2009Feb 25, 2010Apr 29, 2010Jul 29, 2010Oct 28, 2010Feb 15, 2011Apr 28, 2011Jul 26, 2011Oct 27, 2011Feb 14, 2012May 3, 2012Jul 26, 2012Nov 8, 2012Feb 28, 2013May 2, 2013Aug 7, 2013Nov 7, 2013Feb 27, 2014May 1, 2014Jul 31, 2014Oct 30, 2014Feb 26, 2015Apr 30, 2015Jul 30, 2015Nov 4, 2015Feb 25, 2016May 5, 2016Jul 28, 2016Nov 3, 2016Mar 1, 2017May 4, 2017Jul 27, 2017Nov 2, 2017Feb 22, 2018May 10, 2018Aug 2, 2018Nov 8, 2018Feb 28, 2019May 9, 2019Aug 8, 2019Nov 7, 2019Feb 27, 2020May 7, 2020Aug 6, 2020Nov 5, 2020Feb 25, 2021May 6, 2021Aug 5, 2021Nov 4, 2021Feb 24, 2022May 5, 2022Aug 4, 2022Nov 2, 2022Mar 1, 2023May 4, 2023Aug 3, 2023Nov 2, 2023Feb 29, 2024Apr 30, 2024Aug 1, 2024Nov 7, 2024Feb 26, 2025May 8, 2025Aug 7, 2025Nov 6, 2025Feb 26, 2026May 7, 2026Aug 6, 2026Nov 5, 2026
EPS Estimate0.040.050.050.050.060.060.070.080.080.090.090.100.100.110.120.130.010.060.010.16-0.010.020.030.020.010.020.020.050.040.030.040.040.050.070.060.060.070.080.080.110.110.120.13-0.090.140.040.040.040.020.090.050.030.100.180.020.020.120.240.030.060.080.250.040.110.150.440.100.120.170.490.050.050.140.43-0.010.070.120.47-0.05-0.050.160.52-0.09-0.08-0.080.44-0.09-0.090.070.75-0.14-0.050.250.71-0.100.150.300.540.060.250.360.970.230.250.220.91-0.040.040.280.97-0.050.230.600.760.340.170.990.900.500.310.50
EPS Actual0.050.050.050.050.060.060.070.080.080.090.100.100.100.110.120.13-0.010.030.010.04-0.150.020.010.030.010.030.040.030.040.070.090.090.070.070.090.110.100.090.090.100.140.110.120.020.100.03-0.010.000.020.100.160.030.030.120.21-0.020.030.050.270.030.170.130.290.090.050.100.460.020.050.170.43-0.010.120.180.400.020.260.130.36-0.03-0.10-0.040.570.020.010.040.62-0.14-0.120.140.74-0.200.190.280.48-0.210.150.390.560.150.230.310.930.280.290.110.81-0.070.150.521.120.100.470.971.080.510.231.090.710.610.40-
Surprise25.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%11.11%0.00%0.00%0.00%0.00%0.00%-200.00%-50.00%0.00%-75.00%-1411.00%0.00%-66.67%50.00%0.00%50.00%100.00%-40.00%0.00%133.33%125.00%125.00%40.00%0.00%50.00%83.33%42.86%12.50%12.50%-9.09%27.27%-8.33%-7.69%-11.11%-78.57%-125.00%-100.00%-50.00%400.00%77.78%-40.00%0.00%20.00%16.67%-200.00%50.00%-58.33%12.50%0.00%183.33%62.50%16.00%125.00%-54.55%-33.33%4.55%-80.00%-58.33%0.00%-12.24%-120.00%140.00%28.57%-6.98%300.00%271.43%8.33%-23.40%40.00%-100.00%-125.00%9.62%122.22%112.50%150.00%40.91%-55.56%-33.33%100.00%-1.33%-42.86%480.00%12.00%-32.39%-110.00%0.00%30.00%3.70%150.00%-8.00%-13.89%-4.12%21.74%16.00%-50.00%-10.99%-75.00%275.00%85.71%15.46%300.00%104.35%61.67%42.86%50.00%35.29%10.10%-21.11%22.81%29.03%-
Timing----Pre-marketPre-marketPre-marketPre-marketPre-market------------After-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hours-After-hoursPre-marketAfter-hoursPre-marketPre-marketPre-market-Pre-marketPre-marketPre-market-Pre-marketPre-marketPre-market-Pre-marketPre-marketPre-marketPre-marketPre-marketPre-marketAfter-hoursPre-market-After-hoursPre-market-Pre-marketPre-marketPre-marketPre-marketPre-marketPre-marketAfter-hoursPre-marketPre-marketPre-marketPre-marketPre-marketPre-marketPre-marketPre-marketPre-marketPre-marketPre-marketPre-marketPre-marketPre-marketPre-marketPre-marketPre-marketPre-marketPre-marketPre-marketPre-marketPre-marketPre-marketPre-marketPre-marketPre-marketPre-marketPre-marketPre-marketPre-marketPre-marketPre-marketPre-marketPre-marketPre-marketPre-marketPre-marketPre-marketPre-marketPre-marketPre-market-Pre-marketPre-market

Key Statistics & Ratios

Market Cap5.62B
Enterprise Value6.32B
Trailing P/E25.42
Forward P/E14.03
PEG Ratio1.78
Price / Sales3.09
Price / Book3.77
EPS2.19
Book Value14.79
Revenue (TTM)1.82B
Gross Profit (TTM)893.35M
EBITDA383.16M
Profit Margin12.40%
Operating Margin10.47%
Return on Equity15.62%
Return on Assets6.98%
Shares Outstanding100.96M
Shares Float99.62M
Beta0.99
Dividend Yield0.00%
Dividend Rate0.00
Payout Ratio0.00%

Analyst Ratings

Buy
Based on 5 analystsTarget 64.50
  • Strong Buy
    3
  • Hold
    2

Ownership Breakdown

Institutions
105.13%
Insiders
1.24%
Retail / Other
0.00%

Top Institutional Holders

  • BlackRock Inc
    16.38M16.23%
  • Vanguard Portfolio Management, LLC
    8.11M8.04%
  • Franklin Templeton Inc
    6.70M6.63%
  • FMR Inc
    6.55M6.48%
  • Vanguard Capital Management, LLC
    4.59M4.54%
  • State Street Corp
    4.29M4.25%
  • Geode Capital Management, LLC
    3.40M3.37%
  • Dimensional Fund Advisors, Inc.
    3.16M3.13%
  • Fuller & Thaler Asset Management Inc
    2.73M2.71%
  • North Reef Capital Management LP
    2.62M2.59%
  • Hood River Capital Management LLC
    2.33M2.31%
  • AllianceBernstein L.P.
    2.33M2.31%
  • Morgan Stanley - Brokerage Accounts
    2.10M2.08%

Top Fund Holders

  • iShares Core S&P Small-Cap ETF
    6.01M5.96%
  • Vanguard MStar Total Stk Mkt Idx Invest
    3.24M3.21%
  • Franklin Small Cap Value A
    2.71M2.69%
  • iShares Russell 2000 ETF
    2.71M2.68%
  • FullerThaler Behavioral Sm-Cp Eq R6
    2.61M2.59%
  • Vanguard Small Cap Index
    2.27M2.25%
  • Vanguard Information Technology ETF
    1.97M1.96%

Stock Splits

  • Jul 11, 2014959692:319897
  • Jul 2, 19962:1