ACI WORLDWIDE INC (ACIW) Stock Fundamental Analysis
USA - NASDAQ:ACIW - US0044981019 - Common Stock
46.965 USD
-0.19 (-0.41%)
46.965 USD
0 (0%)
Overall ACIW gets a fundamental rating of 6 out of 10. We evaluated ACIW against 281 industry peers in the Software industry. ACIW scores excellent on profitability, but there are some minor concerns on its financial health. ACIW is not valued too expensively and it also shows a decent growth rate.
1. Profitability
1.1 Basic Checks
ACIW had positive earnings in the past year.
In the past year ACIW had a positive cash flow from operations.
Each year in the past 5 years ACIW has been profitable.
In the past 5 years ACIW always reported a positive cash flow from operatings.
1.2 Ratios
ACIW's Return On Assets of 8.25% is amongst the best of the industry. ACIW outperforms 80.07% of its industry peers.
ACIW has a Return On Equity of 17.64%. This is amongst the best in the industry. ACIW outperforms 85.41% of its industry peers.
ACIW has a better Return On Invested Capital (12.16%) than 87.54% of its industry peers.
Measured over the past 3 years, the Average Return On Invested Capital for ACIW is below the industry average of 12.07%.
The 3 year average ROIC (8.48%) for ACIW is below the current ROIC(12.16%), indicating increased profibility in the last year.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 8.25% | ||
| ROE | 17.64% | ||
| ROIC | 12.16% |
ROA(3y)4.89%
ROA(5y)4.17%
ROE(3y)11.78%
ROE(5y)10.33%
ROIC(3y)8.48%
ROIC(5y)7.85%
1.3 Margins
The Profit Margin of ACIW (15.07%) is better than 78.29% of its industry peers.
ACIW's Profit Margin has improved in the last couple of years.
The Operating Margin of ACIW (20.83%) is better than 87.19% of its industry peers.
In the last couple of years the Operating Margin of ACIW has grown nicely.
The Gross Margin of ACIW (49.67%) is worse than 69.04% of its industry peers.
In the last couple of years the Gross Margin of ACIW has remained more or less at the same level.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| OM | 20.83% | ||
| PM (TTM) | 15.07% | ||
| GM | 49.67% |
OM growth 3Y6.84%
OM growth 5Y11.36%
PM growth 3Y10.97%
PM growth 5Y19.03%
GM growth 3Y-1.94%
GM growth 5Y-0.23%
2. Health
2.1 Basic Checks
The Return on Invested Capital (ROIC) is just above the Cost of Capital (WACC), so ACIW is still creating some value.
Compared to 1 year ago, ACIW has less shares outstanding
Compared to 5 years ago, ACIW has less shares outstanding
ACIW has a worse debt/assets ratio than last year.
2.2 Solvency
An Altman-Z score of 3.59 indicates that ACIW is not in any danger for bankruptcy at the moment.
Looking at the Altman-Z score, with a value of 3.59, ACIW is in the better half of the industry, outperforming 65.84% of the companies in the same industry.
The Debt to FCF ratio of ACIW is 3.02, which is a good value as it means it would take ACIW, 3.02 years of fcf income to pay off all of its debts.
ACIW's Debt to FCF ratio of 3.02 is fine compared to the rest of the industry. ACIW outperforms 64.41% of its industry peers.
A Debt/Equity ratio of 0.56 indicates that ACIW is somewhat dependend on debt financing.
Looking at the Debt to Equity ratio, with a value of 0.56, ACIW is doing worse than 65.84% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.56 | ||
| Debt/FCF | 3.02 | ||
| Altman-Z | 3.59 |
ROIC/WACC1.1
WACC11.05%
2.3 Liquidity
ACIW has a Current Ratio of 1.58. This is a normal value and indicates that ACIW is financially healthy and should not expect problems in meeting its short term obligations.
ACIW has a Current ratio of 1.58. This is comparable to the rest of the industry: ACIW outperforms 48.75% of its industry peers.
A Quick Ratio of 1.58 indicates that ACIW should not have too much problems paying its short term obligations.
The Quick ratio of ACIW (1.58) is comparable to the rest of the industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | 1.58 | ||
| Quick Ratio | 1.58 |
3. Growth
3.1 Past
ACIW shows a strong growth in Earnings Per Share. In the last year, the EPS has been growing by 17.54%, which is quite good.
Measured over the past years, ACIW shows a very strong growth in Earnings Per Share. The EPS has been growing by 27.49% on average per year.
Looking at the last year, ACIW shows a small growth in Revenue. The Revenue has grown by 7.01% in the last year.
ACIW shows a small growth in Revenue. Measured over the last years, the Revenue has been growing by 4.85% yearly.
EPS 1Y (TTM)17.54%
EPS 3Y21.14%
EPS 5Y27.49%
EPS Q2Q%14.29%
Revenue 1Y (TTM)7.01%
Revenue growth 3Y5.17%
Revenue growth 5Y4.85%
Sales Q2Q%6.78%
3.2 Future
The Earnings Per Share is expected to grow by 12.22% on average over the next years. This is quite good.
Based on estimates for the next years, ACIW will show a small growth in Revenue. The Revenue will grow by 6.19% on average per year.
EPS Next Y22.45%
EPS Next 2Y16.39%
EPS Next 3Y12.22%
EPS Next 5YN/A
Revenue Next Year8.49%
Revenue Next 2Y7.67%
Revenue Next 3Y6.19%
Revenue Next 5YN/A
3.3 Evolution
Although the future EPS growth is still strong, it is not able to hold up the even more excellent growth rate of the past years.
When comparing the Revenue growth rate of the last years to the growth rate of the upcoming years, we see that the growth is accelerating.
4. Valuation
4.1 Price/Earnings Ratio
The Price/Earnings ratio is 18.94, which indicates a rather expensive current valuation of ACIW.
Based on the Price/Earnings ratio, ACIW is valued a bit cheaper than the industry average as 76.16% of the companies are valued more expensively.
When comparing the Price/Earnings ratio of ACIW to the average of the S&P500 Index (25.89), we can say ACIW is valued slightly cheaper.
Based on the Price/Forward Earnings ratio of 18.06, the valuation of ACIW can be described as rather expensive.
ACIW's Price/Forward Earnings ratio is a bit cheaper when compared to the industry. ACIW is cheaper than 75.44% of the companies in the same industry.
ACIW is valuated rather cheaply when we compare the Price/Forward Earnings ratio to 34.59, which is the current average of the S&P500 Index.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 18.94 | ||
| Fwd PE | 18.06 |
4.2 Price Multiples
Based on the Enterprise Value to EBITDA ratio, ACIW is valued cheaper than 86.48% of the companies in the same industry.
ACIW's Price/Free Cash Flow ratio is rather cheap when compared to the industry. ACIW is cheaper than 82.21% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 16.84 | ||
| EV/EBITDA | 12.26 |
4.3 Compensation for Growth
ACIW's low PEG Ratio(NY), which compensates the Price/Earnings for growth, indicates a rather cheap valuation of the company.
The excellent profitability rating of ACIW may justify a higher PE ratio.
A more expensive valuation may be justified as ACIW's earnings are expected to grow with 12.22% in the coming years.
PEG (NY)0.84
PEG (5Y)0.69
EPS Next 2Y16.39%
EPS Next 3Y12.22%
5. Dividend
5.1 Amount
No dividends for ACIW!.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | N/A |
46.965
-0.19 (-0.41%)
Chartmill FA Rating
GICS SectorInformation Technology
GICS IndustryGroupSoftware & Services
GICS IndustrySoftware
Earnings (Last)
Earnings (Next)
Inst Owners100.55%
Inst Owner Change4.76%
Ins Owners0.49%
Ins Owner Change7.41%
Market Cap4.85B
Revenue(TTM)1.73B
Net Income(TTM)260.88M
Analysts81.54
Price Target63.26 (34.7%)
Short Float %2.86%
Short Ratio3.62
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | N/A |
Yearly DividendN/A
Dividend Growth(5Y)N/A
DPN/A
Div Incr Years0
Div Non Decr Years0
Ex-DateN/A
Surprises & Revisions
EPS beat(2)2
Avg EPS beat(2)16.84%
Min EPS beat(2)7.62%
Max EPS beat(2)26.05%
EPS beat(4)4
Avg EPS beat(4)73.09%
Min EPS beat(4)7.62%
Max EPS beat(4)202.37%
EPS beat(8)8
Avg EPS beat(8)96.21%
EPS beat(12)10
Avg EPS beat(12)79.13%
EPS beat(16)10
Avg EPS beat(16)55.53%
Revenue beat(2)2
Avg Revenue beat(2)2.51%
Min Revenue beat(2)1.63%
Max Revenue beat(2)3.39%
Revenue beat(4)3
Avg Revenue beat(4)2.39%
Min Revenue beat(4)-1.68%
Max Revenue beat(4)6.21%
Revenue beat(8)6
Avg Revenue beat(8)2.89%
Revenue beat(12)9
Avg Revenue beat(12)2.88%
Revenue beat(16)12
Avg Revenue beat(16)2.05%
PT rev (1m)0.1%
PT rev (3m)0.1%
EPS NQ rev (1m)-0.99%
EPS NQ rev (3m)-13.14%
EPS NY rev (1m)-0.14%
EPS NY rev (3m)-1.5%
Revenue NQ rev (1m)-0.24%
Revenue NQ rev (3m)-1.99%
Revenue NY rev (1m)0%
Revenue NY rev (3m)1.26%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 18.94 | ||
| Fwd PE | 18.06 | ||
| P/S | 2.8 | ||
| P/FCF | 16.84 | ||
| P/OCF | 14.8 | ||
| P/B | 3.28 | ||
| P/tB | 217.83 | ||
| EV/EBITDA | 12.26 |
EPS(TTM)2.48
EY5.28%
EPS(NY)2.6
Fwd EY5.54%
FCF(TTM)2.79
FCFY5.94%
OCF(TTM)3.17
OCFY6.76%
SpS16.78
BVpS14.33
TBVpS0.22
PEG (NY)0.84
PEG (5Y)0.69
Graham Number28.28
Profitability
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 8.25% | ||
| ROE | 17.64% | ||
| ROCE | 14.88% | ||
| ROIC | 12.16% | ||
| ROICexc | 13.25% | ||
| ROICexgc | 38.39% | ||
| OM | 20.83% | ||
| PM (TTM) | 15.07% | ||
| GM | 49.67% | ||
| FCFM | 16.62% |
ROA(3y)4.89%
ROA(5y)4.17%
ROE(3y)11.78%
ROE(5y)10.33%
ROIC(3y)8.48%
ROIC(5y)7.85%
ROICexc(3y)9.15%
ROICexc(5y)8.42%
ROICexgc(3y)29.24%
ROICexgc(5y)30.02%
ROCE(3y)10.38%
ROCE(5y)9.61%
ROICexgc growth 3Y3.32%
ROICexgc growth 5Y14.4%
ROICexc growth 3Y13.64%
ROICexc growth 5Y19.94%
OM growth 3Y6.84%
OM growth 5Y11.36%
PM growth 3Y10.97%
PM growth 5Y19.03%
GM growth 3Y-1.94%
GM growth 5Y-0.23%
F-Score8
Asset Turnover0.55
Health
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.56 | ||
| Debt/FCF | 3.02 | ||
| Debt/EBITDA | 1.84 | ||
| Cap/Depr | 44.63% | ||
| Cap/Sales | 2.3% | ||
| Interest Coverage | 5.92 | ||
| Cash Conversion | 72.82% | ||
| Profit Quality | 110.3% | ||
| Current Ratio | 1.58 | ||
| Quick Ratio | 1.58 | ||
| Altman-Z | 3.59 |
F-Score8
WACC11.05%
ROIC/WACC1.1
Cap/Depr(3y)34.27%
Cap/Depr(5y)34.01%
Cap/Sales(3y)2.74%
Cap/Sales(5y)3.03%
Profit Quality(3y)111.61%
Profit Quality(5y)168.18%
High Growth Momentum
Growth
EPS 1Y (TTM)17.54%
EPS 3Y21.14%
EPS 5Y27.49%
EPS Q2Q%14.29%
EPS Next Y22.45%
EPS Next 2Y16.39%
EPS Next 3Y12.22%
EPS Next 5YN/A
Revenue 1Y (TTM)7.01%
Revenue growth 3Y5.17%
Revenue growth 5Y4.85%
Sales Q2Q%6.78%
Revenue Next Year8.49%
Revenue Next 2Y7.67%
Revenue Next 3Y6.19%
Revenue Next 5YN/A
EBIT growth 1Y0.42%
EBIT growth 3Y12.36%
EBIT growth 5Y16.75%
EBIT Next Year74.82%
EBIT Next 3Y24.59%
EBIT Next 5YN/A
FCF growth 1Y258.35%
FCF growth 3Y21.45%
FCF growth 5Y29.97%
OCF growth 1Y163.72%
OCF growth 3Y17.61%
OCF growth 5Y22.03%
ACI WORLDWIDE INC / ACIW FAQ
What is the fundamental rating for ACIW stock?
ChartMill assigns a fundamental rating of 6 / 10 to ACIW.
What is the valuation status of ACI WORLDWIDE INC (ACIW) stock?
ChartMill assigns a valuation rating of 6 / 10 to ACI WORLDWIDE INC (ACIW). This can be considered as Fairly Valued.
What is the profitability of ACIW stock?
ACI WORLDWIDE INC (ACIW) has a profitability rating of 8 / 10.
Can you provide the PE and PB ratios for ACIW stock?
The Price/Earnings (PE) ratio for ACI WORLDWIDE INC (ACIW) is 18.94 and the Price/Book (PB) ratio is 3.28.
What is the financial health of ACI WORLDWIDE INC (ACIW) stock?
The financial health rating of ACI WORLDWIDE INC (ACIW) is 5 / 10.