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Earnings transcript
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ACIW
ACI Worldwide, Inc.
$53.89
0.85
(1.6%)
| Exchange: | NASDAQ |
| Market Cap: | 5.479B |
| Shares Outstanding: | 67M |
Delayed data
About The Company
| Sector: | Technology | |||||
| Industry: | Software – Infrastructure | |||||
| CEO: | Thomas Woodrow Warsop | |||||
| Full Time Employees: | 2930 | |||||
| Address: |
| |||||
| Website: | https://www.aciworldwide.com |
ACI Worldwide, Inc. operates as a global software enterprise, specializing in the development, distribution, implementation, and ongoing support of digital payment solutions. These sophisticated offerings cater to the diverse needs of banks, merchants, and billing organizations worldwide. The company boasts an extensive portfolio of specialized platforms, which includes: ACI Acquiring: A merchant management system engineered to foster digital innovation, bolster fraud prevention, and help reduce interchange fees. ACI Issuing: A robust solution for the digital issuance of payments. ACI Enterprise Payments Platform: Delivers advanced capabilities for the processing and orchestration of digital payments. Real-Time Payments Solutions: This category features ACI Low Value Real-Time Payments for standard real-time transactions, and ACI High Value Real-Time Payments, a powerful engine supporting multi-bank, multi-currency, 24/7 payment processing, complete with SWIFT messaging integration. ACI Omni Commerce: A scalable platform designed for comprehensive omni-channel payment processing. ACI Secure eCommerce: A dedicated solution ensuring the security of online transactions. ACI Fraud Management: Employs a real-time methodology for effective fraud detection and prevention. ACI Digital Business Banking: A cloud-based platform offering modern digital banking services. ACI Speedpay: An integrated suite providing digital billing, payment, disbursement, and communication services. Beyond its core software products, ACI Worldwide provides electronic bill presentment and payment services to a broad array of sectors, including consumer finance, insurance, healthcare, higher education, utilities, government, and mortgage. The company also offers essential support services such as implementation (encompassing product installation, configuration, and tailored software modifications), along with business and technical consulting, on-site assistance, product education, and comprehensive testing. Furthermore, ACI acts as a distributor and sales representative for third-party software products. All its solutions and services are marketed under the consistent ACI Worldwide brand. Initially known as Transaction Systems Architects, Inc., the company officially rebranded to ACI Worldwide, Inc. in July 2007. Founded in 1975, its operational headquarters are situated in Coral Gables, Florida.
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Revenue Segmentation
EPS
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Earnings Call
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Key takeaways
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Login — it's freeIncome Statement
| Year | 2023 | 2024 | 2025 |
|---|---|---|---|
| Revenue | 1,452,579 | 1,594,288 | 1,759,782 |
| Gross Profit | 733,368 | 802,505 | 862,131 |
| EBITDA | 360,106 | 443,548 | 471,163 |
| Operating Income | 220,408 | 308,135 | 329,914 |
| Net Income | 121,509 | 203,118 | 226,658 |
(* All numbers are in thousands)
Balance Sheet
| Year | 2023 | 2024 | 2025 |
|---|---|---|---|
| Total Assets | 3,444,739 | 3,025,293 | 3,104,907 |
| Total Liabilities | 2,120,442 | 1,600,966 | 1,585,829 |
| Total Stockholders Equity | 1,324,297 | 1,424,327 | 1,519,078 |
| Total Debt | 1,076,426 | 956,434 | 840,217 |
| Cash and Cash Equivalents | 164,239 | 216,394 | 196,462 |
(* All numbers are in thousands)
Cash Flow Statement
| Year | 2023 | 2024 | 2025 |
|---|---|---|---|
| Operating Cash Flow | 168,517 | 358,748 | 322,831 |
| Capital Expenditure | -37,777 | -15,402 | -12,907 |
| Free Cash Flow | 130,740 | 343,346 | 309,924 |
| Net Income | 121,509 | 203,118 | 226,658 |
| Net Change in Cash | 24,149 | 26,197 | -6,022 |
(* All numbers are in thousands)
Analyst Estimates
| Fiscal Year | 2027 | Research Access | Research Access | Research Access | Research Access |
|---|---|---|---|---|---|
| Estimated Revenue (Low) | 2,041,249.281 | Research Access | Research Access | Research Access | Research Access |
| Estimated Revenue (High) | 2,057,243.861 | Research Access | Research Access | Research Access | Research Access |
| Estimated Revenue (Avg) | 2,049,628.749 | Research Access | Research Access | Research Access | Research Access |
| Estimated Ebitda (Low) | 546,851.393 | Research Access | Research Access | Research Access | Research Access |
| Estimated Ebitda (High) | 551,136.346 | Research Access | Research Access | Research Access | Research Access |
| Estimated Ebitda (Avg) | 549,096.255 | Research Access | Research Access | Research Access | Research Access |
| Estimated Net Income (Low) | 306,488.600 | Research Access | Research Access | Research Access | Research Access |
| Estimated Net Income (High) | 309,614.933 | Research Access | Research Access | Research Access | Research Access |
| Estimated Net Income (Avg) | 308,051.767 | Research Access | Research Access | Research Access | Research Access |
| Estimated SGA Expense (Low) | 339,017.050 | Research Access | Research Access | Research Access | Research Access |
| Estimated SGA Expense (High) | 341,673.480 | Research Access | Research Access | Research Access | Research Access |
| Estimated SGA Expense (Avg) | 340,408.738 | Research Access | Research Access | Research Access | Research Access |
| Estimated EPS (Avg) | 2.940 | Research Access | Research Access | Research Access | Research Access |
| Estimated EPS (High) | 2.950 | Research Access | Research Access | Research Access | Research Access |
| Estimated EPS (Low) | 2.920 | Research Access | Research Access | Research Access | Research Access |
| Number of Analysts (Estimated Revenue) | 3 | Research Access | Research Access | Research Access | Research Access |
| Number of Analysts (Estimated EPS) | 2 | Research Access | Research Access | Research Access | Research Access |
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Current Key Metrics
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Login — it's freeSWOT Analysis
Strengths (preview)
- Robust Revenue Performance: ACI Worldwide (ACIW) has demonstrated consistent revenue growth as per the latest income statements, reflecting strong demand for its payment solutions. This aligns with positive industry trends in the financial technology sector, as indicated by sector performance metrics.
- Healthy Cash Flow Generation: The cash flow statements highlight strong net cash provided by operating activities and positive free cash flow, indicating operational efficiency and financial stability to fund innovation or reduce debt.
- Market Position and Scale: With a significant market capitalization and a well-established presence in the software and payments industry, ACIW benefits from economies of scale and brand recognition, as supported by company profile data.
- Strategic Focus on Innovation: Insights from earnings call transcripts suggest a commitment to technological advancements, positioning ACIW to maintain a competitive edge in a rapidly evolving sector.
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At what price to buy it? -
Intrinsic Value Calculator
Based on current fundamentals and analyst forecasts, MARKETSnap estimates ACIW intrinsic value between $47.44 – $54.29 per share. This depends on revenue growth, margins, and discount rate.
This is an automatic estimate. The most reliable way to know fair value for your own assumptions is to run the calculator below.
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Common questions about ACIW valuation
Is ACI Worldwide, Inc. (ACIW) overvalued or undervalued right now?
MARKETSnap estimates intrinsic value for ACI Worldwide, Inc. (ACIW) using its proprietary valuation methodology, which incorporates discounted cash flow (DCF) analysis together with long-term earnings and fundamentals assumptions. By comparing intrinsic value to the current market price, long-term investors can see whether the stock screens as potentially overvalued, fairly valued, or undervalued today.
Is ACIW a buy, hold, or sell for long-term investors?
MARKETSnap does not give one-word “buy” or “sell” calls. Instead, it shows whether ACIW trades at a premium or discount to its estimated intrinsic value, how sensitive that value is to growth and margin assumptions, and how the stock fits into a diversified, long-term portfolio so investors can make their own buy, hold, or sell decision.
What is ACIW’s P/E ratio?
You can see ACIW’s trailing P/E (TTM) and forward P/E estimates in the Current Key Metrics and Forward P/E Ratios sections above. The P/E ratio compares the current share price to earnings per share and helps investors gauge valuation relative to earnings.
How is intrinsic value calculated for ACIW?
MARKETSnap uses its own valuation framework—not a generic spreadsheet DCF alone. Future cash flows and earnings are projected, discounted, and combined with MARKETSnap’s methodology so intrinsic value reflects fundamentals and long-term assumptions. You can run your own inputs and see the result using the Intrinsic Value Calculator above.
Is ACIW a good long-term investment?
Whether ACIW fits a long-term portfolio depends on your assumptions about growth, margins, and risk. MARKETSnap provides the metrics, intrinsic value calculator, and SWOT context so you can form your own view rather than rely on a single buy/sell rating.
ACIW
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Daily snapshot
1.6
Trading Metrics:
| Open: | 53.16 | Previous Close: | 53.04 | |
| Day Low: | 53.03 | Day High: | 54.25 | |
| Year Low: | 38.05 | Year High: | 61.08 | |
| Price Avg 50: | 53.47 | Price Avg 200: | 46.07 | |
| Volume: | 230095 | Average Volume: | 964919 |
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Login — it's freeACIW full analysis
Welcome to MARKETSNAP’s SWOT analysis for ACI Worldwide, or ACIW as it’s listed on the ticker. If you’re not familiar with this player, let me give you the quick rundown. ACI Worldwide is a key name in the software and tech services space, specifically focused on payment solutions. They operate within the broader financial technology industry, providing mission-critical software for banks, merchants, and billers to handle transactions and digital payments. Headquartered in the U.S., they’ve got a global footprint with…
