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Market Price

32.41 

-0.46 -1.4%

as of Jun 14 '19

52 Week Range:

24.02 35.86


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. provides software products and services for facilitating electronic payments to banks, financial intermediaries, merchants, and corporates worldwide. It offers UP Retail Payments solution that enables banks to accept, authorize, route, and secure payment transactions; and ACI Card and Merchant Management solutions, including credit, debit, smart card, and prepaid card issuance and management, as well as merchant account management and settlement. The company also provides UP Immediate Payments solution, which provides connectivity to country-level real-time payment schemes and create various products; and UP Real-Time Payments solution that allows banks to address RTGS, SWIFT messaging, ACH, and real-time payments. In addition, it offers Postilion; ACI PAY.ON Payments Gateway; ACI ReD Shield, a real-time fraud prevention solution, as well as UP eCommerce Payments solution; and UP Payments Risk Management solution and ACI Universal Online Banker platform. Further, the company provides UP Bill Payment solutions, which enable customers to present bills and collect payments from consumers electronically through a single and integrated platform that controls bill payments operation. Additionally, it offers bill presentment and payment collection services to consumer finance, insurance, healthcare, higher education, tax, and utility sectors; and implementation services, including installations, product configurations, and custom software modifications; 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. The company markets its products and services under the ACI Worldwide, ACI Universal Payments, and ACI UP brand names. The company was formerly known as Transaction Systems Architects, Inc. and changed its name to ACI Worldwide, Inc. in July 2007. ACI Worldwide, Inc. 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 '08 Dec '09 Dec '10 Dec '11 Dec '12 Dec '13 Dec '14 Dec '15 Dec '16 Dec '17 Dec '18
Equity (BVPS) 2.04
2.31
2.56
2.85
4.52
4.09
4.50
5.03
5.92
6.59
8.29
growth rate 13.2% 10.8% 11.3% 58.6% -9.5% 10.0% 11.8% 17.7% 11.3% 25.8%
Earnings BIT 27.56
33.11
48.70
64.31
75.70
120.40
149.57
130.15
74.67
133.79
125.91
growth rate 20.1% 47.1% 32.1% 17.7% 59.1% 24.2% -13.0% -42.6% 79.2% -5.9%
Avg.PE 52.36
30.21
33.44
21.37
35.71
40.65
32.38
28.03
22.57
600.75
55.83
growth rate -42.3% 10.7% -36.1% 67.1% 13.8% -20.3% -13.4% -19.5% 2,561.7% -90.7%
ROA 1.91
3.43
4.56
7.24
5.10
4.36
3.83
4.45
6.66
0.27
3.46
growth rate 79.6% 32.9% 58.8% -29.6% -14.5% -12.2% 16.2% 49.7% -96.0% 1,181.5%
ROE 4.95
8.72
11.06
16.01
11.47
11.85
12.01
13.83
18.38
0.68
7.60
growth rate 76.2% 26.8% 44.8% -28.4% 3.3% 1.4% 15.2% 32.9% -96.3% 1,017.7%
ROIC 4.20
6.94
8.75
12.90
8.49
7.44
6.79
7.58
10.17
0.66
5.79
growth rate 65.2% 26.1% 47.4% -34.2% -12.4% -8.7% 11.6% 34.2% -93.5% 777.3%
Cur. Ratio 1.48
1.40
1.09
1.51
1.34
1.26
1.10
0.99
1.08
1.31
1.91
growth rate -5.4% -22.1% 38.5% -11.3% -6.0% -12.7% -10.0% 9.1% 21.3% 45.8%
Quick Ratio 1.27
1.20
0.96
1.31
1.12
0.93
0.85
0.87
0.96
1.15
1.72
growth rate -5.5% -20.0% 36.5% -14.5% -17.0% -8.6% 2.4% 10.3% 19.8% 49.6%
Leverage 2.59
2.50
2.35
2.09
2.34
3.09
3.18
3.04
2.52
2.43
2.02
growth rate -3.5% -6.0% -11.1% 12.0% 32.1% 2.9% -4.4% -17.1% -3.6% -16.9%
Balance Sheet Dec '08 Dec '09 Dec '10 Dec '11 Dec '12 Dec '13 Dec '14 Dec '15 Dec '16 Dec '17 Dec '18
Acct.Receivable 0.00
0.00
77.80
125.99
176.30
0.00
231.89
231.16
272.78
270.77
354.87
growth rate 61.9% 39.9% -100.0% -0.3% 18.0% -0.7% 31.1%
Acct.Payable 73.40
33.90
43.70
50.35
55.42
42.87
34.72
39.60
growth rate -53.8% 28.9% 15.2% 10.1% -22.6% -19.0% 14.1%
Cur.Assets 246.50
274.10
294.80
341.86
356.10
436.40
373.92
382.50
407.99
421.82
566.48
growth rate 11.2% 7.6% 16.0% 4.2% 22.6% -14.3% 2.3% 6.7% 3.4% 34.3%
Total Assets 552.80
590.00
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
growth rate 6.7% 2.0% 10.5% 88.2% 34.5% 10.0% 6.8% -3.7% -2.1% 14.0%
Cash 113.00
125.90
171.30
197.10
76.30
122.80
77.30
102.24
75.75
69.71
148.50
growth rate 11.4% 36.1% 15.1% -61.3% 60.9% -37.1% 32.3% -25.9% -8.0% 113.0%
Inventory 0.00 0.00 0.00 0.00
growth rate
Cur.Liabilities 166.30
195.40
270.80
227.06
266.60
345.60
378.59
384.86
376.37
321.78
296.62
growth rate 17.5% 38.6% -16.2% 17.4% 29.6% 9.6% 1.7% -2.2% -14.5% -7.8%
Liabilities 339.00
354.00
345.90
347.31
716.50
1,138.20
1,269.30
1,321.39
1,147.38
1,097.04
1,074.22
growth rate 4.4% -2.3% 0.4% 106.3% 58.9% 11.5% 4.1% -13.2% -4.4% -2.1%
LT Debt 75.00
75.00
0.00
75.00
356.80
708.10
807.78
842.95
655.30
668.34
657.89
growth rate 0.0% -100.0% 375.7% 98.5% 14.1% 4.4% -22.3% 2.0% -1.6%
Equity 213.80
236.10
255.60
317.33
534.40
543.70
581.41
654.40
754.92
764.60
1,048.23
growth rate 10.4% 8.3% 24.2% 68.4% 1.7% 6.9% 12.6% 15.4% 1.3% 37.1%
Common Shares 104.00
104.00
102.00
103.00
120.00
120.00
117.00
119.00
119.00
119.00
118.00
growth rate 0.0% -1.9% 1.0% 16.5% 0.0% -2.5% 1.7% 0.0% 0.0% -0.8%
Cash Flow Statement Dec '08 Dec '09 Dec '10 Dec '11 Dec '12 Dec '13 Dec '14 Dec '15 Dec '16 Dec '17 Dec '18
Capital Expenditures 7.00
1.90
5.00
10.67
13.05
21.10
17.63
27.28
40.81
25.72
18.27
growth rate -72.9% 163.2% 113.4% 22.3% 61.7% -16.5% 54.8% 49.6% -37.0% -29.0%
Cash Dividends 0.00
0.00
1.20
0.00
0.00
0.00
1.39
0.00
0.00
growth rate -100.0% -100.0%
Cash From OA 77.80
44.20
81.30
83.46
138.40
160.83
187.99
99.83
146.20
183.93
growth rate -43.2% 83.9% 2.7% 28.8% 16.2% 16.9% -46.9% 46.5% 25.8%
FCF per Share 0.63
0.33
0.67
0.64
-0.22
0.55
0.71
1.32
0.45
0.60
0.92
growth rate -47.6% 103.0% -4.5% -100.0% 100.0% 29.1% 85.9% -65.9% 33.3% 53.3%
Sale Purchase of Stock 5.75
-61.10
-87.10
19.24
15.28
12.31
16.83
growth rate -100.0% 0.0% 100.0% -20.6% -19.4% 36.7%
FCF 66.00
34.00
68.00
64.00
-26.00
106.00
114.00
134.00
37.00
92.00
140.00
growth rate -48.5% 100.0% -5.9% -100.0% 100.0% 7.6% 17.5% -72.4% 148.7% 52.2%
Income Statement Dec '08 Dec '09 Dec '10 Dec '11 Dec '12 Dec '13 Dec '14 Dec '15 Dec '16 Dec '17 Dec '18
Sales 417.70
405.80
418.40
465.10
666.60
864.90
1,016.15
1,045.98
1,005.70
1,024.19
1,009.78
growth rate -2.9% 3.1% 11.2% 43.3% 29.8% 17.5% 2.9% -3.9% 1.8% -1.4%
Op.Income 21.70
41.60
53.60
45.85
48.80
63.90
149.57
130.15
74.67
133.79
125.91
growth rate 91.7% 28.9% -14.5% 6.4% 30.9% 134.1% -13.0% -42.6% 79.2% -5.9%
IBT 27.60
33.10
48.70
64.31
65.30
93.20
98.77
113.37
185.58
43.57
91.80
growth rate 19.9% 47.1% 32.1% 1.5% 42.7% 6.0% 14.8% 63.7% -76.5% 110.7%
Net Income 10.60
19.60
27.20
45.85
48.80
63.90
67.56
85.44
129.54
5.14
68.92
growth rate 84.9% 38.8% 68.6% 6.4% 30.9% 5.7% 26.5% 51.6% -96.0% 1,242.2%
EPS 0.10
0.19
0.27
0.45
0.41
0.53
0.58
0.72
1.09
0.04
0.59
growth rate 90.0% 42.1% 66.7% -8.9% 29.3% 9.4% 24.1% 51.4% -96.3% 1,375.0%
Gross Profit 287.70
278.10
288.70
330.81
454.70
521.10
561.39
573.68
560.79
571.91
579.43
growth rate -3.3% 3.8% 14.6% 37.5% 14.6% 7.7% 2.2% -2.3% 2.0% 1.3%
R&D 75.90
77.50
74.10
90.18
133.80
142.60
144.21
145.92
169.90
136.92
143.63
growth rate 2.1% -4.4% 21.7% 48.4% 6.6% 1.1% 1.2% 16.4% -19.4% 4.9%

Quarterly Statements

Item Name Mar '18 Jun '18 Sep '18 Dec '18 Mar '19
Earnings BIT -16.70
-2.16
28.36
116.41
-23.39
growth rate 0.0% 100.0% 310.5% -100.0%
Balance Sheet Mar '18 Jun '18 Sep '18 Dec '18 Mar '19
Acct.Receivable 286.04
281.10
287.87
354.87
265.75
growth rate -1.7% 2.4% 23.3% -25.1%
Acct.Payable 33.48
30.83
27.38
39.60
28.05
growth rate -7.9% -11.2% 44.6% -29.2%
Cur.Assets 419.29
389.99
413.34
566.48
514.22
growth rate -7.0% 6.0% 37.1% -9.2%
Total Assets 2,015.17
1,965.74
1,984.32
2,122.46
2,114.14
growth rate -2.5% 1.0% 7.0% -0.4%
Cash 74.28
59.03
76.34
148.50
176.17
growth rate -20.5% 29.3% 94.5% 18.6%
Inventory
growth rate
Cur.Liabilities 270.34
260.42
249.63
296.62
260.38
growth rate -3.7% -4.1% 18.8% -12.2%
Liabilities 1,036.15
1,025.02
1,021.39
1,074.22
1,081.56
growth rate -1.1% -0.4% 5.2% 0.7%
LT Debt 658.86
654.81
663.06
657.89
703.32
growth rate -0.6% 1.3% -0.8% 6.9%
Equity 979.02
940.72
962.94
1,048.23
1,032.58
growth rate -3.9% 2.4% 8.9% -1.5%
Common Shares 0.70
0.70
0.70
0.70
0.70
growth rate 0.0% 0.0% 0.0% 0.0%
Cash Flow Statement Mar '18 Jun '18 Sep '18 Dec '18 Mar '19
Capital Expenditures 5.94
5.17
5.33
1.83
5.25
growth rate -12.9% 3.0% -65.6% 186.7%
Cash Dividends
growth rate
Cash From OA 45.14
25.98
29.35
83.47
42.43
growth rate -42.5% 13.0% 184.4% -49.2%
Sale Purchase of Stock 9.87
6.60
growth rate -33.2%
FCF 39.20
20.80
24.03
81.64
37.18
growth rate -46.9% 15.5% 239.8% -54.5%
Income Statement Mar '18 Jun '18 Sep '18 Dec '18 Mar '19
Sales 209.31
235.00
245.53
319.95
205.86
growth rate 12.3% 4.5% 30.3% -35.7%
Op.Income -16.70
-2.16
28.36
116.41
-23.39
growth rate 0.0% 100.0% 310.5% -100.0%
IBT -23.38
-10.81
17.25
108.74
-38.59
growth rate 0.0% 100.0% 530.6% -100.0%
Net Income -19.43
-14.57
15.23
87.69
-25.96
growth rate 0.0% 100.0% 475.7% -100.0%
EPS
growth rate
Gross Profit 101.97
118.73
143.05
215.67
90.91
growth rate 16.4% 20.5% 50.8% -57.9%
R&D 36.79
37.86
36.01
32.97
36.19
growth rate 2.9% -4.9% -8.4% 9.8%

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 (60.87)

YOY Growth Grade:

C (52.65)

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 60.03 54.93 33.73
EPS / Growth 0.4% 0.59 12.0%

Value Price & Investment Recovery Time

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

Equity Growth Rate: 18.7%

Estimates Pessimistic Moderate Optimistic My Numbers
Rate of Return 15.0%
MOS Price % 50 %
Future EPS Growth 0.4% 10.4% 10.4%
Future PE 0.72 38.15 38.15
Future EPS 0.61 1.58 1.58
Value Price
MOS %
0.11
-99.7%
14.90
-54.0%
14.90
-54.0%
MOS Price 0.05 7.45 7.45
IRT 50.05 18.44 18.44

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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