ACI Worldwide Financials

ACIW Stock  USD 52.51  0.03  0.06%   
Based on the measurements of operating efficiency obtained from ACI Worldwide's historical financial statements, ACI Worldwide is doing better financially today then in previous quarter. It has a moderate chance of reporting better financial numbers in March. At this time, ACI Worldwide's Net Receivables is fairly stable compared to the past year. Liabilities And Stockholders Equity is likely to climb to about 4.2 B in 2025, whereas Cash is likely to drop slightly above 105.7 M in 2025. Key indicators impacting ACI Worldwide's financial strength include:
Current ValueLast YearChange From Last Year 10 Year Trend
Debt Equity Ratio0.420.73
Way Down
Very volatile
Current Ratio1.661.56
Notably Up
Slightly volatile
Investors should never underestimate ACI Worldwide's ability to pay suppliers on time, ensure interest payments are not accumulating, and correctly time where and how to reinvest extra cash. Individual investors need to monitor ACI Worldwide's cash flow, debt, and profitability to make informed and accurate decisions about investing in ACI Worldwide.

Net Income

146.72 Million

  
Understanding current and past ACI Worldwide Financials, including the trends in assets, liabilities, equity and income are directly related to making proper and timely investing decisions. All of ACI Worldwide's financial statements are interrelated, with each one affecting the others. For example, an increase in ACI Worldwide's assets may result in an increase in income on the income statement.

ACI Worldwide Earnings Geography

Please note, the imprecision that can be found in ACI Worldwide's accounting process means that the reasonable investor should take a skeptical approach toward the financial statement analysis of ACI Worldwide. Check ACI Worldwide's Beneish M Score to see the likelihood of ACI Worldwide's management manipulating its earnings.

ACI Worldwide Stock Summary

ACI Worldwide competes with NetScout Systems, Consensus Cloud, CSG Systems, Remitly Global, and EverCommerce. ACI Worldwide, Inc., a software company, develops, markets, installs, and supports a range of software products and solutions for facilitating digital payments to banks, merchants, and billers worldwide. The company was founded in 1975 and is based in Coral Gables, Florida. Aci Worldwide operates under SoftwareInfrastructure classification in the United States and is traded on NASDAQ Exchange. It employs 3610 people.
Specialization
Information Technology, Software - Infrastructure
InstrumentUSA Stock View All
ExchangeNASDAQ Exchange
ISINUS0044981019
CUSIP004498101 893416107
LocationFlorida; U.S.A
Business Address6060 Coventry Drive,
SectorSoftware
IndustryInformation Technology
BenchmarkDow Jones Industrial
Websitewww.aciworldwide.com
Phone402 390 7600
CurrencyUSD - US Dollar

ACI Worldwide Key Financial Ratios

ACI Worldwide Key Balance Sheet Accounts

202020212022202320242025 (projected)
Total Assets3.4B3.2B3.2B3.4B4.0B4.2B
Other Current Liab720.8M571.0M675.8M848.0M975.1M1.0B
Net Debt1.0B987.0M998.8M912.2M1.0B1.1B
Retained Earnings1.0B1.1B1.3B1.4B1.6B1.7B
Accounts Payable41.2M41.3M48.0M46.0M52.9M55.5M
Cash165.4M122.1M125.0M164.2M188.9M105.7M
Net Receivables342.9M320.4M403.8M452.3M520.2M546.2M
Inventory24.5M24.3M24.7M28.0M32.2M27.7M
Other Current Assets646.7M495.0M586.0M790.1M908.6M954.0M
Total Liab2.2B1.9B2.0B2.1B2.4B2.6B
Total Current Assets1.2B937.4M1.1B1.4B1.6B1.7B
Short Term Debt47.7M57.4M76.7M83.8M96.3M101.1M
Intangible Assets518.4M440.8M357.8M304.1M349.7M209.9M
Other Liab122.0M111.8M96.6M96.1M110.5M75.1M
Other Assets337.4M565.0M389.4M400.8M461.0M484.0M
Long Term Debt1.1B1.0B1.0B963.6M1.1B1.2B
Treasury Stock(355.9M)(377.6M)(387.6M)(476.0M)(428.4M)(407.0M)
Net Tangible Assets1.1B1.2B1.2B1.2B1.4B1.4B
Capital Surpluse667.7M682.4M688.3M702.5M807.8M627.1M

ACI Worldwide Key Income Statement Accounts

The reason investors look at the income statement is to determine what ACI Worldwide's earnings per share (EPS) will be in order to see if they want to buy more shares or not. For example, if a company earned $20 million in the last quarter and has 100,000 shares outstanding, its EPS is 20 cents. If you find that this number beats analysts' forecasts or is higher than it was from the same period last year, then you might want to buy more of this stock even though its price per share may not have changed.
202020212022202320242025 (projected)
Interest Expense56.6M45.1M53.2M78.5M90.3M94.8M
Total Revenue1.3B1.4B1.4B1.5B1.7B1.8B
Gross Profit671.9M731.7M725.8M733.4M843.4M885.5M
Operating Income144.7M209.9M203.8M223.0M256.5M269.3M
Ebit155.3M220.1M259.8M226.1M260.0M273.0M
Ebitda319.0M364.0M398.2M360.1M414.1M434.8M
Cost Of Revenue622.5M638.9M696.1M719.2M827.1M868.4M
Income Before Tax98.6M175.1M206.6M147.6M169.8M178.3M
Net Income72.7M127.8M142.2M121.5M139.7M146.7M
Income Tax Expense26.0M47.3M64.5M26.1M30.0M22.8M
Research Development139.3M144.3M146.3M140.8M161.9M98.5M
Tax Provision26.0M47.3M64.5M37.4M43.0M39.8M
Interest Income11.6M11.5M12.5M13.8M15.9M10.8M
Net Interest Income(45.0M)(33.5M)(40.6M)(61.0M)(54.9M)(57.7M)

ACI Worldwide Key Cash Accounts

202020212022202320242025 (projected)
Change In Cash44.0M(81.2M)30.5M24.1M21.7M22.8M
Free Cash Flow289.7M175.1M103.5M130.7M150.4M157.9M
Depreciation163.8M143.9M138.4M134.0M154.1M161.8M
Other Non Cash Items10.8M5.5M(30.9M)6.2M5.6M5.9M
Capital Expenditures46.6M45.4M39.9M37.8M43.4M24.1M
Net Income72.7M127.8M142.2M121.5M139.7M146.7M
End Period Cash Flow165.4M184.1M214.7M238.8M274.6M288.4M
Dividends Paid528.7M789.0M41.9M29.0M33.4M31.7M
Change To Netincome19.8M39.0M31.8M(4.1M)(4.7M)(4.4M)
Change Receivables(19.1M)8.8M(43.8M)(132.2M)(119.0M)(113.0M)
Net Borrowings690.3M(236.8M)(109.1M)7.4M6.7M6.4M
Investments(30.7M)(45.4M)60.2M(43.9M)(39.5M)(37.5M)

ACI Financial Ratios Relationships

Comparative valuation techniques use various fundamental indicators to help in determining ACI Worldwide's current stock value. Our valuation model uses many indicators to compare ACI Worldwide value to that of its competitors to determine the firm's financial worth. You can analyze the relationship between different fundamental ratios across ACI Worldwide competition to find correlations between indicators driving ACI Worldwide's intrinsic value. More Info.
ACI Worldwide is rated third in return on equity category among its peers. It is rated below average in return on asset category among its peers reporting about  0.41  of Return On Asset per Return On Equity. The ratio of Return On Equity to Return On Asset for ACI Worldwide is roughly  2.43 . At this time, ACI Worldwide's Return On Equity is fairly stable compared to the past year. Comparative valuation analysis is a catch-all technique that is used if you cannot value ACI Worldwide by discounting back its dividends or cash flows. It compares the stock's price multiples to nearest competition to determine if the stock is relatively undervalued or overvalued.

ACI Worldwide Systematic Risk

ACI Worldwide's systematic risk plays a vital role in portfolio allocation when considering its stock to be added to a well-diversified portfolio. ACI Worldwide volatility which cannot be eliminated through diversification, requires returns over the risk-free rate. Over the long run, a well-diversified portfolio provides returns that match its exposure to systematic risk. In this case, investors face a trade-off between expected returns and systematic risk and, therefore, can only reduce a portfolio's exposure to systematic risk by sacrificing expected returns on the portfolio.
The output start index for this execution was twenty with a total number of output elements of fourty-one. The Beta measures systematic risk based on how returns on ACI Worldwide correlated with the market. If Beta is less than 0 ACI Worldwide generally moves in the opposite direction as compared to the market. If ACI Worldwide Beta is about zero movement of price series is uncorrelated with the movement of the benchmark. if Beta is between zero and one ACI Worldwide is generally moves in the same direction as, but less than the movement of the market. For Beta = 1 movement of ACI Worldwide is generally in the same direction as the market. If Beta > 1 ACI Worldwide moves generally in the same direction as, but more than the movement of the benchmark.
Today, most investors in ACI Worldwide Stock are looking for potential investment opportunities by analyzing not only static indicators but also various ACI Worldwide's growth ratios. Consistent increases or decreases in fundamental ratios usually indicate a possible pattern that can be successfully translated into profits. However, when comparing two companies, knowing each company's growth growth rates may not be enough to decide which company is a better investment. That's why investors frequently use static breakdown of ACI Worldwide growth as a starting point in their analysis.

Price Earnings To Growth Ratio

(2.87)

At this time, ACI Worldwide's Price Earnings To Growth Ratio is fairly stable compared to the past year.

ACI Worldwide February 16, 2025 Opportunity Range

Along with financial statement analysis, the daily predictive indicators of ACI Worldwide help investors to analyze its daily demand and supply, volume, patterns, and price swings to determine the real value of ACI Worldwide. We use our internally-developed statistical techniques to arrive at the intrinsic value of ACI Worldwide based on widely used predictive technical indicators. In general, we focus on analyzing ACI Stock price patterns and their correlations with different microeconomic environment and drivers. We also apply predictive analytics to build ACI Worldwide's daily price indicators and compare them against related drivers.

Additional Tools for ACI Stock Analysis

When running ACI Worldwide's price analysis, check to measure ACI Worldwide's market volatility, profitability, liquidity, solvency, efficiency, growth potential, financial leverage, and other vital indicators. We have many different tools that can be utilized to determine how healthy ACI Worldwide is operating at the current time. Most of ACI Worldwide's value examination focuses on studying past and present price action to predict the probability of ACI Worldwide's future price movements. You can analyze the entity against its peers and the financial market as a whole to determine factors that move ACI Worldwide's price. Additionally, you may evaluate how the addition of ACI Worldwide to your portfolios can decrease your overall portfolio volatility.