Market Price

38.76 

0.47 1.2%

as of Mar 08 '21

52 Week Range:

20.03 43.23


Stock Analyzer Tutorials

S2O Stock Analyzer - General Info

General Info


type: video (mp4); length: 3:30

Demonstrates how to use Stock Analyzer, shows how to analyze a stock and explains in detail "General Info" section of the Stock Analyzer result page.

S2O Stock Analyzer - Financial Statements

Financial Statements


type: video (mp4); length: 5:10

Explains information presented in the Financial Statements section of the S2O Stock Analyzer: financial statements charts, absolute values and growth rates.

S2O Stock Analyzer - Growth Grade and Financial Ratios

Growth Grade and Financial Ratios


type: video (mp4); length: 5:09

Demonstrates how to use Growth Grade & Financial Ratios section; shows the difference between historical and year-over-year Growth Grade on the real life example.

S2O Stock Analyzer - Value Price

Value Price


type: video (mp4); length: 6:03

Demonstrates how to use Value Price (intrinsic value) and the Graham Number, MOS (margin of safety) and IRT - Investment Recovery Time; explains 3 different projection models used to compute value price - pessimistic, moderate and optimistic.

S2O Stock Analyzer - Price Charts

Price Charts


type: video (mp4); length: 8:34

Demonstrates basic rules of how to read a candlestick chart, long and short term moving averages, stochastic, MACD and relative strength (RS) charts. Explains how bull or bear market condition is computed.

General Info

ACI Worldwide, Inc. develops, markets, installs, and supports a range of software products and solutions for facilitating electronic payments to banks, financial intermediaries, merchants, and billers worldwide. The company offers UP Retail Payments solution that enables banks and financial intermediaries to accept, authorize, route, and secure payment transactions; and ACI Card and Merchant Management solutions, such as credit, debit, smart card, and prepaid card issuance and management, as well as merchant account management and settlement. It also provides UP Immediate Payments solution that enables banks and payment service providers to meet real-time payment schemes and create various products; and UP Real-Time Payments solution that allows banks to address real-time gross settlement, SWIFT messaging, automated clearing house, and real-time payments. The company offers ACI ReD Shield, a real-time fraud prevention solution; Postilion; ACI PAY.ON Payments Gateway; UP eCommerce Payments solution; UP Payments Risk Management solution; and ACI Universal Online Banker platform. It also provides ACI Speedpay solutions that enable customers to electronically present bills and collect payments from consumers through a single and integrated platform that controls bill payments operation. The company offers electronic bill presentment and payment services to consumer finance, insurance, healthcare, higher education, utility, government, and mortgage sectors; implementation services, including product installations and configurations, and custom software modifications; and business and technical consultancy, and on-site support services, as well as distributes or acts as a sales agent for software developed by third parties. It markets its products under the ACI 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 Naples, Florida.

Financial Statements

The charts below show selected Annual and Quarterly Financial Data.

The purpose of these charts is to discover long and short term change dynamics. When numbers are growing year after year in the annual statements chart, the business become stronger and stronger and this is a good sign.

Quarterly Data Chart can be used to do a short term analysis. It makes sense to pay attention to the quarterly dynamics and do not wait for the next yearly statement. We should be alerted if we see that quarterly numbers are going down.

You can check "Annual Financial Statements" and "Quarterly Financial Statements" sections for exact numbers and growth rates.

Annual Statements

On a charts below the Line shows absolute values and the Bar chart shows Year-Over-Year Growth Rate for selected financial statement item. A consistent GROWTH is generally considered necessary to fund future growth from within a business.
NOTE: Growth Rate is not provided if either the latest period or the year-ago period contains a net loss. (source: WSJ Digest of Earnings)
TIP! move your mouse pointer over bar or a circle on any chart below to see details.

Financial Statements

Income Statement



 

Cash Flow Statement



 

Balance Sheet



 

Liquidity Ratios

Current Ratio


 

Current Ratio measures the ability to meet short term obligations. Generally accepted standard is 2 (current assets should be 2 times or 200% of current liabilities).

Quick Ratio


 

Measures immediate liquidity or the cash available to cover immediate liabilities. A safe margin would be at least 1 (100%).

Financial Leverage


 

Defined as total assets divided by total shareholders' equity. The higher the ratio, the more debt a company uses in its capital structure.

Profitability Ratios

ROA


 

Return on Assets (ROA) measures the income (profit) that is generated by the use of the assets of the business.

ROE


 

Return on Equity (ROE) is a measure of profitability that calculates how many dollars of profit a company generates with each dollar of shareholders equity. ROE is sometimes called "return on net worth."

ROIC


 

The Return on Invested Capital (ROIC) measure gives a sense of how well a company is using its money to generate returns. Some investors use this figure as a final evaluation to determine whether or not to invest in a company.

Annual Statements

Item Name Dec '10 Dec '11 Dec '12 Dec '13 Dec '14 Dec '15 Dec '16 Dec '17 Dec '18 Dec '19 Dec '20
Equity (BVPS) 2.56
2.85
4.52
4.09
4.50
5.03
5.92
6.59
8.29
9.13
9.59
growth rate 11.3% 58.6% -9.5% 10.0% 11.8% 17.7% 11.3% 25.8% 10.1% 5.0%
Earnings BIT 48.70
64.31
75.70
120.40
149.57
130.15
74.67
133.74
125.91
148.56
189.34
growth rate 32.1% 17.7% 59.1% 24.2% -13.0% -42.6% 79.1% -5.9% 18.0% 27.5%
Avg.PE 33.44
21.37
35.71
40.65
32.38
28.03
22.57
600.75
55.83
40.48
81.28
growth rate -36.1% 67.1% 13.8% -20.3% -13.4% -19.5% 2,561.7% -90.7% -27.5% 100.8%
ROA 4.56
7.24
5.10
4.36
3.83
4.45
6.66
0.27
3.46
2.49
2.19
growth rate 58.8% -29.6% -14.5% -12.2% 16.2% 49.7% -96.0% 1,181.5% -28.0% -12.1%
ROE 11.06
16.01
11.47
11.85
12.01
13.83
18.38
0.68
7.60
6.16
6.22
growth rate 44.8% -28.4% 3.3% 1.4% 15.2% 32.9% -96.3% 1,017.7% -19.0% 1.0%
ROIC 8.75
12.90
8.49
7.44
6.79
7.58
10.17
1.91
5.79
5.39
4.26
growth rate 47.4% -34.2% -12.4% -8.7% 11.6% 34.2% -81.2% 203.1% -6.9% -21.0%
Cur. Ratio 1.09
1.51
1.34
1.26
1.10
0.99
1.08
1.31
1.91
1.50
1.28
growth rate 38.5% -11.3% -6.0% -12.7% -10.0% 9.1% 21.3% 45.8% -21.5% -14.7%
Quick Ratio 0.96
1.31
1.12
0.93
0.85
0.87
0.96
1.15
1.72
0.79
0.56
growth rate 36.5% -14.5% -17.0% -8.6% 2.4% 10.3% 19.8% 49.6% -54.1% -29.1%
Leverage 2.35
2.09
2.34
3.09
3.18
3.04
2.52
2.43
2.02
2.88
2.80
growth rate -11.1% 12.0% 32.1% 2.9% -4.4% -17.1% -3.6% -16.9% 42.6% -2.8%
Balance Sheet Dec '10 Dec '11 Dec '12 Dec '13 Dec '14 Dec '15 Dec '16 Dec '17 Dec '18 Dec '19 Dec '20
Acct.Receivable 77.80
125.99
176.30
0.00
231.89
231.16
272.78
270.77
348.18
359.20
342.88
growth rate 61.9% 39.9% -100.0% -0.3% 18.0% -0.7% 28.6% 3.2% -4.5%
Acct.Payable 73.40
33.90
43.70
50.35
55.42
42.87
34.72
39.60
37.01
41.22
growth rate -53.8% 28.9% 15.2% 10.1% -22.6% -19.0% 14.1% -6.6% 11.4%
Cur.Assets 294.80
341.86
356.10
436.40
373.92
382.50
407.99
421.82
566.48
920.38
1,154.91
growth rate 16.0% 4.2% 22.6% -14.3% 2.3% 6.7% 3.4% 34.3% 62.5% 25.5%
Total Assets 601.50
664.64
1,250.90
1,681.90
1,850.70
1,975.79
1,902.30
1,861.64
2,122.46
3,257.53
3,386.90
growth rate 10.5% 88.2% 34.5% 10.0% 6.8% -3.7% -2.1% 14.0% 53.5% 4.0%
Cash 171.30
197.10
76.30
122.80
77.30
102.24
75.75
69.71
148.50
121.40
165.37
growth rate 15.1% -61.3% 60.9% -37.1% 32.3% -25.9% -8.0% 113.0% -18.3% 36.2%
Inventory 0.00 0.00
growth rate
Cur.Liabilities 270.80
227.06
266.60
345.60
378.59
384.86
376.37
321.78
296.62
611.95
905.61
growth rate -16.2% 17.4% 29.6% 9.6% 1.7% -2.2% -14.5% -7.8% 106.3% 48.0%
Liabilities 345.90
347.31
716.50
1,138.20
1,269.30
1,321.39
1,147.38
1,097.04
1,074.22
2,127.57
2,180.31
growth rate 0.4% 106.3% 58.9% 11.5% 4.1% -13.2% -4.4% -2.1% 98.1% 2.5%
LT Debt 0.00
75.00
356.80
708.10
807.78
842.95
655.30
668.34
657.89
1,346.81
1,122.94
growth rate 375.7% 98.5% 14.1% 4.4% -22.3% 2.0% -1.6% 104.7% -16.6%
Equity 255.60
317.33
534.40
543.70
581.41
654.40
754.92
764.60
1,048.23
1,129.97
1,206.60
growth rate 24.2% 68.4% 1.7% 6.9% 12.6% 15.4% 1.3% 37.1% 7.8% 6.8%
Common Shares 102.00
103.00
120.00
120.00
117.00
119.00
119.00
119.00
118.00
119.00
118.00
growth rate 1.0% 16.5% 0.0% -2.5% 1.7% 0.0% 0.0% -0.8% 0.9% -0.8%
Cash Flow Statement Dec '10 Dec '11 Dec '12 Dec '13 Dec '14 Dec '15 Dec '16 Dec '17 Dec '18 Dec '19 Dec '20
Capital Expenditures 5.00
10.67
13.05
21.10
17.63
27.28
40.81
25.72
18.27
23.10
17.80
growth rate 113.4% 22.3% 61.7% -16.5% 54.8% 49.6% -37.0% -29.0% 26.5% -22.9%
Cash Dividends 1.20
0.00
0.00
0.00
1.39
0.00
0.00
growth rate -100.0% -100.0%
Cash From OA 81.30
83.46
138.40
160.83
187.99
99.83
146.20
183.93
137.65
336.30
growth rate 2.7% 28.8% 16.2% 16.9% -46.9% 46.5% 25.8% -25.2% 144.3%
FCF per Share 0.67
0.64
-0.22
0.55
0.71
1.32
0.45
0.60
0.92
1.08
1.65
growth rate -4.5% -100.0% 100.0% 29.1% 85.9% -65.9% 33.3% 53.3% 17.4% 52.8%
Sale Purchase of Stock 5.75
-61.10
-87.10
19.24
15.28
12.31
16.83
-34.34
-19.04
growth rate -100.0% 0.0% 100.0% -20.6% -19.4% 36.7% -100.0% 0.0%
FCF 68.00
64.00
-26.00
106.00
114.00
134.00
37.00
92.00
140.00
90.00
290.00
growth rate -5.9% -100.0% 100.0% 7.6% 17.5% -72.4% 148.7% 52.2% -35.7% 222.2%
Income Statement Dec '10 Dec '11 Dec '12 Dec '13 Dec '14 Dec '15 Dec '16 Dec '17 Dec '18 Dec '19 Dec '20
Sales 418.40
465.10
666.60
864.90
1,016.15
1,045.98
1,005.70
1,024.19
1,009.78
1,258.29
1,294.32
growth rate 11.2% 43.3% 29.8% 17.5% 2.9% -3.9% 1.8% -1.4% 24.6% 2.9%
Op.Income 53.60
45.85
48.80
63.90
149.57
130.15
74.67
133.74
125.91
148.56
189.34
growth rate -14.5% 6.4% 30.9% 134.1% -13.0% -42.6% 79.1% -5.9% 18.0% 27.5%
IBT 48.70
64.31
65.30
93.20
98.77
113.37
185.58
43.57
91.80
72.21
98.63
growth rate 32.1% 1.5% 42.7% 6.0% 14.8% 63.7% -76.5% 110.7% -21.3% 36.6%
Net Income 27.20
45.85
48.80
63.90
67.56
85.44
129.54
5.14
68.92
67.06
72.66
growth rate 68.6% 6.4% 30.9% 5.7% 26.5% 51.6% -96.0% 1,242.2% -2.7% 8.4%
EPS 0.27
0.45
0.41
0.53
0.58
0.72
1.09
0.04
0.59
0.57
0.62
growth rate 66.7% -8.9% 29.3% 9.4% 24.1% 51.4% -96.3% 1,375.0% -3.4% 8.8%
Gross Profit 288.70
330.81
454.70
521.10
561.39
573.68
560.79
571.91
579.43
640.84
676.16
growth rate 14.6% 37.5% 14.6% 7.7% 2.2% -2.3% 2.0% 1.3% 10.6% 5.5%
R&D 74.10
90.18
133.80
142.60
144.21
145.92
169.90
136.92
143.63
146.17
138.29
growth rate 21.7% 48.4% 6.6% 1.1% 1.2% 16.4% -19.4% 4.9% 1.8% -5.4%

Quarterly Statements

Item Name Dec '19 Mar '20 Jun '20 Sep '20 Dec '20
Earnings BIT 144.45
-11.28
33.94
43.18
115.11
growth rate -100.0% 100.0% 27.2% 166.6%
Balance Sheet Dec '19 Mar '20 Jun '20 Sep '20 Dec '20
Acct.Receivable 431.93
305.65
324.66
309.50
342.88
growth rate -29.2% 6.2% -4.7% 10.8%
Acct.Payable 66.33
32.17
42.80
38.93
41.22
growth rate -51.5% 33.0% -9.0% 5.9%
Cur.Assets 920.38
806.45
852.41
870.33
1,154.91
growth rate -12.4% 5.7% 2.1% 32.7%
Total Assets 3,257.53
3,109.90
3,137.58
3,132.43
3,386.90
growth rate -4.5% 0.9% -0.2% 8.1%
Cash 121.40
119.12
129.22
133.85
165.37
growth rate -1.9% 8.5% 3.6% 23.6%
Inventory
growth rate
Cur.Liabilities 611.95
556.36
580.46
590.18
905.61
growth rate -9.1% 4.3% 1.7% 53.5%
Liabilities 2,127.57
2,042.10
2,046.84
2,009.59
2,180.31
growth rate -4.0% 0.2% -1.8% 8.5%
LT Debt 1,339.01
1,329.25
1,287.29
1,236.52
1,122.94
growth rate -0.7% -3.2% -3.9% -9.2%
Equity 1,129.97
1,067.80
1,090.74
1,122.84
1,206.60
growth rate -5.5% 2.2% 2.9% 7.5%
Common Shares 115.99
0.70
0.70
0.70
0.70
growth rate -99.4% 0.0% 0.0% 0.0%
Cash Flow Statement Dec '19 Mar '20 Jun '20 Sep '20 Dec '20
Capital Expenditures 4.36
3.60
7.02
3.48
3.71
growth rate -17.5% 95.1% -50.5% 6.8%
Cash Dividends
growth rate
Cash From OA 48.71
57.50
68.03
66.53
144.24
growth rate 18.0% 18.3% -2.2% 116.8%
Sale Purchase of Stock 7.24
-27.53
1.67
6.36
growth rate -100.0% 100.0% 280.8%
FCF 44.35
53.90
61.01
63.05
140.53
growth rate 21.5% 13.2% 3.4% 122.9%
Income Statement Dec '19 Mar '20 Jun '20 Sep '20 Dec '20
Sales 399.92
291.49
299.91
315.88
387.04
growth rate -27.1% 2.9% 5.3% 22.5%
Op.Income 102.41
-11.28
33.94
43.18
115.11
growth rate -100.0% 100.0% 27.2% 166.6%
IBT 90.65
-35.31
19.99
22.54
91.41
growth rate -100.0% 100.0% 12.8% 305.5%
Net Income 55.49
-24.43
14.08
15.87
67.15
growth rate -100.0% 100.0% 12.7% 323.2%
EPS
growth rate
Gross Profit 226.82
125.65
154.86
158.50
237.25
growth rate -44.6% 23.3% 2.4% 49.7%
R&D 34.60
39.02
35.58
33.57
30.12
growth rate 12.8% -8.8% -5.6% -10.3%

Growth Grade & Financial Ratios

All financial ratios below are calculated based on latest annual statements available and present the most up to date snapshot of a company finances.

Growth Grade

Historical Growth Grade:

C (51.74)

YOY Growth Grade:

D (47.94)

Click on buttons above for detailed yearly growth rates.

Market Ratios

Profitability Ratios

Liquidity Ratios

Efficiency Ratios

Value Price

PE and EPS

Historical Current Forward
PE 61.76 62.52 29.01
EPS / Growth -4.4% 0.62 12.0%

Value Price & Investment Recovery Time

Read more about Stock2Own value price in Stock Market: Fundamental Analysis.

Equity Growth Rate: 12.5%

Estimates Pessimistic Moderate Optimistic My Numbers
Rate of Return 15.0%
MOS Price % 50 %
Future EPS Growth 1.0% 8.5% 8.5%
Future PE 2.00 35.91 35.91
Future EPS 0.68 1.40 1.40
Value Price
MOS %
0.34
-99.1%
12.42
-68.0%
12.42
-68.0%
MOS Price 0.17 6.21 6.21
IRT 48.42 21.77 21.77

Graham Number:

NOTE: The Graham Number applies only to certain types of stocks in combination with a number of other criteria.

Read more about Graham Number in Stock Market: Fundamental Analysis.

Price Chart

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Risk / Reward Ratios

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