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GuruFocus Financial Strength Rank measures how strong a company’s financial situation is. It is based on these factors

1. The debt burden that the company has as measured by its Interest coverage (current year).
2. Debt to revenue ratio. The lower, the better
3. Altman Z-score.

A company ranks high with financial strength is likely to withstand any business slowdowns and recessions.

Financial Strength : 5/10

vs
industry
vs
history
Cash to Debt 0.10
ACIW's Cash to Debt is ranked lower than
58% of the 2124 Companies
in the Global Software - Application industry.

( Industry Median: 4.63 vs. ACIW: 0.10 )
ACIW' s 10-Year Cash to Debt Range
Min: 0.1   Max: 67.49
Current: 0.1

0.1
67.49
Equity to Asset 0.31
ACIW's Equity to Asset is ranked lower than
53% of the 2059 Companies
in the Global Software - Application industry.

( Industry Median: 0.60 vs. ACIW: 0.31 )
ACIW' s 10-Year Equity to Asset Range
Min: 0.31   Max: 0.7
Current: 0.31

0.31
0.7
Interest Coverage 3.48
ACIW's Interest Coverage is ranked lower than
58% of the 1337 Companies
in the Global Software - Application industry.

( Industry Median: 1027.44 vs. ACIW: 3.48 )
ACIW' s 10-Year Interest Coverage Range
Min: 0.36   Max: 290.69
Current: 3.48

0.36
290.69
F-Score: 4
Z-Score: 2.27
M-Score: -2.47
WACC vs ROIC
8.93%
7.48%
WACC
ROIC
GuruFocus Profitability Rank ranks how profitable a company is and how likely the company’s business will stay that way. It is based on these factors:

1. Operating Margin
2. Trend of the Operating Margin (5-year average). The company with an uptrend profit margin has a higher rank.
••3. Consistency of the profitability
4. Piotroski F-Score
5. Predictability Rank•

The maximum rank is 10. A rank of 7 or higher means a higher profitability and may stay that way. A rank of 3 or lower indicates that the company has had trouble to make a profit.

Profitability Rank is not directly related to the Financial Strength Rank. But if a company is consistently profitable, its financial strength will be stronger.

Profitability & Growth : 7/10

vs
industry
vs
history
Operating margin (%) 13.60
ACIW's Operating margin (%) is ranked higher than
87% of the 2108 Companies
in the Global Software - Application industry.

( Industry Median: 5.44 vs. ACIW: 13.60 )
ACIW' s 10-Year Operating margin (%) Range
Min: -20.76   Max: 20.51
Current: 13.6

-20.76
20.51
Net-margin (%) 6.65
ACIW's Net-margin (%) is ranked higher than
79% of the 2108 Companies
in the Global Software - Application industry.

( Industry Median: 3.65 vs. ACIW: 6.65 )
ACIW' s 10-Year Net-margin (%) Range
Min: -27.09   Max: 15.95
Current: 6.65

-27.09
15.95
ROE (%) 12.86
ACIW's ROE (%) is ranked higher than
84% of the 2038 Companies
in the Global Software - Application industry.

( Industry Median: 6.71 vs. ACIW: 12.86 )
ACIW' s 10-Year ROE (%) Range
Min: -54.4   Max: 30.14
Current: 12.86

-54.4
30.14
ROA (%) 3.92
ACIW's ROA (%) is ranked higher than
72% of the 2132 Companies
in the Global Software - Application industry.

( Industry Median: 3.65 vs. ACIW: 3.92 )
ACIW' s 10-Year ROA (%) Range
Min: -26.57   Max: 17.97
Current: 3.92

-26.57
17.97
ROC (Joel Greenblatt) (%) 137.79
ACIW's ROC (Joel Greenblatt) (%) is ranked higher than
89% of the 2109 Companies
in the Global Software - Application industry.

( Industry Median: 33.16 vs. ACIW: 137.79 )
ACIW' s 10-Year ROC (Joel Greenblatt) (%) Range
Min: -112.56   Max: 741.07
Current: 137.79

-112.56
741.07
Revenue Growth (3Y)(%) 24.30
ACIW's Revenue Growth (3Y)(%) is ranked higher than
94% of the 1682 Companies
in the Global Software - Application industry.

( Industry Median: 5.40 vs. ACIW: 24.30 )
ACIW' s 10-Year Revenue Growth (3Y)(%) Range
Min: -10.1   Max: 25.7
Current: 24.3

-10.1
25.7
EBITDA Growth (3Y)(%) 27.60
ACIW's EBITDA Growth (3Y)(%) is ranked higher than
91% of the 1393 Companies
in the Global Software - Application industry.

( Industry Median: 6.90 vs. ACIW: 27.60 )
ACIW' s 10-Year EBITDA Growth (3Y)(%) Range
Min: -28.3   Max: 53.5
Current: 27.6

-28.3
53.5
EPS Growth (3Y)(%) 8.80
ACIW's EPS Growth (3Y)(%) is ranked higher than
74% of the 1285 Companies
in the Global Software - Application industry.

( Industry Median: 7.00 vs. ACIW: 8.80 )
ACIW' s 10-Year EPS Growth (3Y)(%) Range
Min: -35.3   Max: 65.1
Current: 8.8

-35.3
65.1
» ACIW's 10-Y Financials

Financials


Revenue & Net Income
Cash & Debt
Oprt. Cash Flow & Free Cash Flow

» Details

Guru Trades

Q1 2014

ACIW Guru Trades in Q1 2014

Jim Simons 150,311 sh (New)
Joel Greenblatt 118,361 sh (+45.85%)
Wallace Weitz 151,000 sh (+0.04%)
Steven Cohen Sold Out
Private Capital 135,885 sh (-0.02%)
Chuck Royce 467,300 sh (-2.85%)
Ron Baron 1,680,700 sh (-3.96%)
» More
Q2 2014

ACIW Guru Trades in Q2 2014

Joel Greenblatt 319,034 sh (+169.54%)
Wallace Weitz 176,000 sh (+16.56%)
Chuck Royce 467,300 sh (unchged)
Private Capital 133,410 sh (-1.82%)
Ron Baron 1,500,000 sh (-10.75%)
Jim Simons 106,411 sh (-29.21%)
» More
Q3 2014

ACIW Guru Trades in Q3 2014

Wallace Weitz 643,000 sh (+21.78%)
Joel Greenblatt 1,142,736 sh (+19.40%)
Chuck Royce 1,401,900 sh (unchged)
Jim Simons Sold Out
Private Capital 392,415 sh (-1.95%)
Ron Baron 4,000,000 sh (-11.11%)
» More
Q4 2014

ACIW Guru Trades in Q4 2014

Jim Simons 25,233 sh (New)
Paul Tudor Jones 15,111 sh (New)
Wallace Weitz 743,000 sh (+15.55%)
Chuck Royce 1,401,900 sh (unchged)
Ron Baron 4,000,000 sh (unchged)
Joel Greenblatt Sold Out
Private Capital 385,685 sh (-1.72%)
» More
» Details

Insider Trades

Latest Guru Trades with ACIW

(List those with share number changes of more than 20%, or impact to portfolio more than 0.1%)



No Guru Trades Found!
» Interactive Charts

Peter Lynch Chart ( What is Peter Lynch Charts )

Ratios

vs
industry
vs
history
P/E(ttm) 36.70
ACIW's P/E(ttm) is ranked higher than
74% of the 2306 Companies
in the Global Software - Application industry.

( Industry Median: 58.20 vs. ACIW: 36.70 )
ACIW' s 10-Year P/E(ttm) Range
Min: 12.17   Max: 99.42
Current: 36.7

12.17
99.42
Forward P/E 21.98
ACIW's Forward P/E is ranked higher than
80% of the 2306 Companies
in the Global Software - Application industry.

( Industry Median: 0.00 vs. ACIW: 21.98 )
N/A
PE(NRI) 37.10
ACIW's PE(NRI) is ranked higher than
76% of the 2306 Companies
in the Global Software - Application industry.

( Industry Median: 61.90 vs. ACIW: 37.10 )
ACIW' s 10-Year PE(NRI) Range
Min: 12.38   Max: 86.17
Current: 37.1

12.38
86.17
P/B 4.40
ACIW's P/B is ranked higher than
59% of the 2306 Companies
in the Global Software - Application industry.

( Industry Median: 3.40 vs. ACIW: 4.40 )
ACIW' s 10-Year P/B Range
Min: 1.56   Max: 6.5
Current: 4.4

1.56
6.5
P/S 2.47
ACIW's P/S is ranked higher than
60% of the 2306 Companies
in the Global Software - Application industry.

( Industry Median: 2.64 vs. ACIW: 2.47 )
ACIW' s 10-Year P/S Range
Min: 0.83   Max: 4.89
Current: 2.47

0.83
4.89
PFCF 22.20
ACIW's PFCF is ranked higher than
81% of the 2306 Companies
in the Global Software - Application industry.

( Industry Median: 90.11 vs. ACIW: 22.20 )
ACIW' s 10-Year PFCF Range
Min: 8.68   Max: 380.43
Current: 22.2

8.68
380.43
POCF 17.10
ACIW's POCF is ranked higher than
79% of the 2306 Companies
in the Global Software - Application industry.

( Industry Median: 29.10 vs. ACIW: 17.10 )
ACIW' s 10-Year POCF Range
Min: 6.97   Max: 84.54
Current: 17.1

6.97
84.54
EV-to-EBIT 24.16
ACIW's EV-to-EBIT is ranked higher than
75% of the 2306 Companies
in the Global Software - Application industry.

( Industry Median: 36.31 vs. ACIW: 24.16 )
ACIW' s 10-Year EV-to-EBIT Range
Min: -399.9   Max: 262.1
Current: 24.16

-399.9
262.1
PEG 1.37
ACIW's PEG is ranked higher than
94% of the 2306 Companies
in the Global Software - Application industry.

( Industry Median: 0.00 vs. ACIW: 1.37 )
ACIW' s 10-Year PEG Range
Min: 0.35   Max: 4.01
Current: 1.37

0.35
4.01
Shiller P/E 50.30
ACIW's Shiller P/E is ranked higher than
79% of the 2306 Companies
in the Global Software - Application industry.

( Industry Median: 0.00 vs. ACIW: 50.30 )
ACIW' s 10-Year Shiller P/E Range
Min: 13.01   Max: 176.14
Current: 50.3

13.01
176.14
Current Ratio 1.10
ACIW's Current Ratio is ranked higher than
50% of the 2089 Companies
in the Global Software - Application industry.

( Industry Median: 1.87 vs. ACIW: 1.10 )
ACIW' s 10-Year Current Ratio Range
Min: 1.09   Max: 2.11
Current: 1.1

1.09
2.11
Quick Ratio 1.10
ACIW's Quick Ratio is ranked higher than
53% of the 2089 Companies
in the Global Software - Application industry.

( Industry Median: 1.76 vs. ACIW: 1.10 )
ACIW' s 10-Year Quick Ratio Range
Min: 1.09   Max: 2.11
Current: 1.1

1.09
2.11
Days Sales Outstanding 70.25
ACIW's Days Sales Outstanding is ranked higher than
76% of the 2306 Companies
in the Global Software - Application industry.

( Industry Median: 82.25 vs. ACIW: 70.25 )
ACIW' s 10-Year Days Sales Outstanding Range
Min: 12.63   Max: 165.09
Current: 70.25

12.63
165.09

Valuation & Return

vs
industry
vs
history
Price/DCF (Projected) 1.90
ACIW's Price/DCF (Projected) is ranked higher than
81% of the 2306 Companies
in the Global Software - Application industry.

( Industry Median: 11.60 vs. ACIW: 1.90 )
ACIW' s 10-Year Price/DCF (Projected) Range
Min: 0.7   Max: 2.39
Current: 1.9

0.7
2.39
Price/Median PS Value 1.00
ACIW's Price/Median PS Value is ranked higher than
79% of the 2306 Companies
in the Global Software - Application industry.

( Industry Median: 1.30 vs. ACIW: 1.00 )
ACIW' s 10-Year Price/Median PS Value Range
Min: 0.32   Max: 2.91
Current: 1

0.32
2.91
Price/Peter Lynch Fair Value 1.50
ACIW's Price/Peter Lynch Fair Value is ranked higher than
93% of the 2306 Companies
in the Global Software - Application industry.

( Industry Median: 0.00 vs. ACIW: 1.50 )
ACIW' s 10-Year Price/Peter Lynch Fair Value Range
Min: 0.26   Max: 1.87
Current: 1.5

0.26
1.87
Earnings Yield (Greenblatt) 4.10
ACIW's Earnings Yield (Greenblatt) is ranked higher than
72% of the 2109 Companies
in the Global Software - Application industry.

( Industry Median: 3.40 vs. ACIW: 4.10 )
ACIW' s 10-Year Earnings Yield (Greenblatt) Range
Min: 0.4   Max: 12.9
Current: 4.1

0.4
12.9
Forward Rate of Return (Yacktman) 28.85
ACIW's Forward Rate of Return (Yacktman) is ranked higher than
92% of the 1112 Companies
in the Global Software - Application industry.

( Industry Median: 12.98 vs. ACIW: 28.85 )
ACIW' s 10-Year Forward Rate of Return (Yacktman) Range
Min: -20.2   Max: 58.2
Current: 28.85

-20.2
58.2

Business Description

Industry: Application Software » Software - Application
Compare:CRM, SQI, RHT, INTU, ADBE » details
Traded in other countries:TSA.Germany,
ACI Worldwide, Inc., is a Delaware corporation incorporated in November 1993 under the name ACI Holding, Inc. The Company and its subsidiaries develops, markets, installs and supports software products and services mainly focusing on facilitating electronic payments. In addition to its own products, the Company distributes, or acts as a sales agent for, software developed by third parties. Its integrated suite of software products and hosted services deliver a broad range of solutions for payments processing, card and merchant management, online banking, mobile, branch and voice banking, fraud detection and trade finance. Trusted by 2600 organizations globally, it serves four primary market audiences: Financial institutions, including national, regional and global banks, community banks and credit unions; Processors; Retailers and Billers. Its products cover several different domains within the payments and banking marketplace: Online Banking and Cash Management - the management of payments and cash flows across accounts globally through the online or mobile channel; Branch - the management and processing of monetary, non-monetary, sales and account origination financial transactions; Trade Finance - the management of all trade related transaction types, both traditional trade and open account instruments with the ability for end users to view and track those transactions through the online channel; Community Financial Services - the online and mobile banking and payment systems, and security solutions that service community banks and credit unions; Retail Banking Payments - it provides the software to support in house issuance of payment instruments and the management of a consumer payment from transaction acquiring all through the lifecycle within the banking system to settlement; which it split into Payments Processing, and Card and Merchant Management; Wholesale Banking Payments - the management of primarily corporate payments and messages through their lifecycle including RTGS payments, ACH payments, and SWIFT transactions; Merchant Retail - the management of a consumer payment within a merchant retailer and supporting services such as the management of store and gift card and loyalty programs; Payment Fraud Management - the securing of payments against fraud and money laundering; Payment Infrastructure - the tools and infrastructure to operate and optimize the payments system; Billers - Electronic bill presentment and payment enables the presentment of bills and the collection of payments for these bills from consumers for billers, including, for example, tax authorities, higher education providers, utilities, and health care providers. It's products are sold and supported through distribution networks covering three geographic regions - the Americas, Europe/Middle East/Africa and Asia/Pacific. Its main method of distribution is direct sales by employees assigned to specific regions or specific products. Principal competito
» More Articles for ACIW

Headlines

Articles On GuruFocus.com
Weekly CEO Sells Highlight: IMAX Corp, Hain Celestial Group Inc, ACI Worldwide Inc, and Allison Tran Nov 23 2014 
Wally Weitz Q3 2014 Shareholder Letter Oct 16 2014 
Weekly CEO Sells Highlight: Atmel Corp, Wisconsin Energy Corp, ACI Worldwide Inc, and Avago Technolo Sep 08 2014 
The Electronic Payments Market Can Take ACI Higher May 07 2014 
Wallace Weitz's 3 New Q2 Buys Aug 09 2013 
Baron Funds Comments on ACI Worldwide Inc. May 24 2012 
ACI Worldwide Inc. Reports Operating Results (10-Q) Oct 29 2010 
ACI Worldwide Inc. Reports Operating Results (10-Q) Jul 30 2010 
ACI Worldwide Inc. Reports Operating Results (10-Q) May 04 2010 
ACI Worldwide Inc. Reports Operating Results (10-Q) Nov 06 2009 

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ACI WORLDWIDE, INC. Financials Mar 05 2015
ACI WORLDWIDE, INC. Files SEC form 8-K, Regulation FD Disclosure Mar 04 2015
ACI Worldwide and STS PayOne Partner to Provide ePayment and Fraud Prevention Services to the Middle... Mar 02 2015
ACI Worldwide and STS PayOne Partner to Provide ePayment and Fraud Prevention Services to the Middle... Mar 02 2015
10-K for ACI Worldwide, Inc. Feb 28 2015
ACI Worldwide Retailer and Payments Risk Management Experts Present at Upcoming Industry Events Feb 27 2015
ACI Worldwide Inc Earnings Call scheduled for 8:30 am ET today Feb 26 2015
Q4 2014 ACI Worldwide Inc Earnings Release - Before Market Open Feb 26 2015
ACI Worldwide tops 4Q profit forecasts Feb 26 2015
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ACI WORLDWIDE, INC. Files SEC form 8-K, Results of Operations and Financial Condition, Financial... Feb 26 2015
ACI Worldwide, Inc. Reports Financial Results for the Quarter and Full Year Ended December 31, 2014 Feb 26 2015
ACI Worldwide, Inc. Reports Financial Results for the Quarter and Full Year Ended December 31, 2014 Feb 26 2015
ACI Worldwide to Present at Upcoming Investor Conference Feb 25 2015
ACI Worldwide to Present at Upcoming Investor Conference Feb 25 2015
Apple Bank Powers New Business Banking Services with ACI Worldwide Feb 24 2015

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