ACIW$47.16
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AI ACIW Summary
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Powered by LiveAIOverall Analysis
NeutralACI Worldwide exhibits a mixed investment profile. While it demonstrates solid fundamental performance and a stable market position, its current valuation is somewhat elevated, and technical indicators suggest a potential short-term pullback. Investors should weigh the company's long-term growth prospects against its current trading levels.
Thematic
ACI Worldwide operates within the crucial electronic payments sector, benefiting from secular trends in digital transformation and online commerce. However, its growth might be more incremental compared to companies at the forefront of emerging disruptive technologies.
Fundamental
ACI Worldwide demonstrates a robust financial foundation with improving profitability and a manageable debt level. Revenue growth has been positive, and the company is converting revenue into profit effectively.
Technical
The stock has experienced a significant decline from its 52-week high and is trading below key moving averages. While some short-term indicators suggest oversold conditions, the overall trend appears to be negative in the short to medium term.
| Factor | Score |
|---|---|
| Digital Payments Growth | 85 |
| Financial Technology Innovation | 70 |
| Regulatory Landscape (Payments) | 65 |
| Globalization of Commerce | 75 |
| Cybersecurity & Fraud Prevention | 75 |
| Factor | Score |
|---|---|
| Valuation | 70 |
| Profitability | 80 |
| Growth | 75 |
| Balance Sheet Health | 75 |
| Cash Flow | 85 |
| Factor | Score |
|---|---|
| Trend Analysis | 30 |
| Momentum | 40 |
| Volume Confirmation | 70 |
| Support & Resistance | 65 |
| Short-Term Oscillators | 45 |
AI Investing Checklist
Powered by LiveAIBullish Points (7)
Consistent Earnings Surprises
The company has exceeded EPS estimates in 8 out of the last 10 quarters, with an average surprise of 60.1%, demonstrating a strong track record of beating analyst expectations.
Undervalued Relative to Industry
The P/E ratio of 17.77 is significantly lower than the industry average of 25.5, suggesting potential undervaluation compared to peers.
Bearish Points (7)
Elevated Quarterly P/S Ratio
The Price-to-Sales ratio for Q1 2025 is 14.5, which is considerably higher than the TTM P/S of 3.6, potentially indicating overvaluation based on recent sales performance.
Slowing Revenue Growth in Recent Quarters
While annual revenue grew, quarterly revenue shows a decline from $453.04M in Q4 2024 to $394.57M in Q1 2025, signaling a potential slowdown.
Calendar
August 2025
7
Next Earnings Date
H: $0.29
A: $0.25
L: $0.19
H: 381.44M
A: 380.45M
L: 378.49M
Profile
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.
Seasonals
Price Target
61.95 USD
The 39 analysts offering 1 year price forecasts for ACIW have a max estimate of 77.00 and a min estimate of 48.73.
Debt Level and Coverage
Financial Position Analysis
Ownership
Capital Structure
Valuation - Summary
Valuation - Ratios
Revenue to Profit Conversion
Balance Sheet
Income Statement
Cash Flow
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