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Market Price

30.75 

0.55 1.8%

as of Feb 15 '19

52 Week Range:

22.13 30.76


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, 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, and real-time faster 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, product support, technical, educational, facilities management, 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. It has strategic alliance with UnionPay International. 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 Sep '07 Dec '08 Dec '09 Dec '10 Dec '11 Dec '12 Dec '13 Dec '14 Dec '15 Dec '16 Dec '17
Equity (BVPS) 2.38
2.04
2.31
2.56
2.85
4.52
4.09
4.50
5.03
5.92
6.59
growth rate -14.3% 13.2% 10.8% 11.3% 58.6% -9.5% 10.0% 11.8% 17.7% 11.3%
Earnings BIT -3.88
27.56
33.11
48.70
64.31
75.70
120.40
149.57
130.15
74.71
133.79
growth rate 100.0% 20.1% 47.1% 32.1% 17.7% 59.1% 24.2% -13.0% -42.6% 79.1%
Avg.PE -130.90
52.36
30.21
33.44
21.37
35.71
40.65
32.38
28.03
22.57
600.75
growth rate 100.0% -42.3% 10.7% -36.1% 67.1% 13.8% -20.3% -13.4% -19.5% 2,561.7%
ROA -1.75
1.91
3.43
4.56
7.24
5.10
4.36
3.83
4.45
6.66
0.27
growth rate 100.0% 79.6% 32.9% 58.8% -29.6% -14.5% -12.2% 16.2% 49.7% -96.0%
ROE -3.71
4.95
8.72
11.06
16.01
11.47
11.85
12.01
13.83
18.38
0.68
growth rate 100.0% 76.2% 26.8% 44.8% -28.4% 3.3% 1.4% 15.2% 32.9% -96.3%
ROIC -2.33
4.20
6.94
8.75
12.90
8.49
7.44
6.79
7.58
10.17
0.66
growth rate 100.0% 65.2% 26.1% 47.4% -34.2% -12.4% -8.7% 11.6% 34.2% -93.5%
Cur. Ratio 1.11
1.48
1.40
1.09
1.51
1.34
1.26
1.10
0.99
1.08
1.31
growth rate 33.3% -5.4% -22.1% 38.5% -11.3% -6.0% -12.7% -10.0% 9.1% 21.3%
Quick Ratio 0.95
1.27
1.20
0.96
1.31
1.12
0.93
0.85
0.87
0.96
1.15
growth rate 33.7% -5.5% -20.0% 36.5% -14.5% -17.0% -8.6% 2.4% 10.3% 19.8%
Leverage 2.25
2.59
2.50
2.35
2.09
2.34
3.09
3.18
3.04
2.52
2.43
growth rate 15.1% -3.5% -6.0% -11.1% 12.0% 32.1% 2.9% -4.4% -17.1% -3.6%
Balance Sheet Sep '07 Dec '08 Dec '09 Dec '10 Dec '11 Dec '12 Dec '13 Dec '14 Dec '15 Dec '16 Dec '17
Acct.Receivable 70.38
0.00
0.00
77.80
125.99
176.30
0.00
231.89
231.16
272.78
270.77
growth rate -100.0% 61.9% 39.9% -100.0% -0.3% 18.0% -0.7%
Acct.Payable 73.40
33.90
43.70
50.35
55.42
42.87
34.72
growth rate -53.8% 28.9% 15.2% 10.1% -22.6% -19.0%
Cur.Assets 171.88
246.50
274.10
294.80
341.86
356.10
436.40
373.92
382.50
407.99
421.82
growth rate 43.4% 11.2% 7.6% 16.0% 4.2% 22.6% -14.3% 2.3% 6.7% 3.4%
Total Assets 506.74
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
growth rate 9.1% 6.7% 2.0% 10.5% 88.2% 34.5% 10.0% 6.8% -3.7% -2.1%
Cash 60.79
113.00
125.90
171.30
197.10
76.30
122.80
77.30
102.24
75.75
69.71
growth rate 85.9% 11.4% 36.1% 15.1% -61.3% 60.9% -37.1% 32.3% -25.9% -8.0%
Inventory 0.00 0.00 0.00 0.00 0.00
growth rate
Cur.Liabilities 154.52
166.30
195.40
270.80
227.06
266.60
345.60
378.59
384.86
376.37
321.78
growth rate 7.6% 17.5% 38.6% -16.2% 17.4% 29.6% 9.6% 1.7% -2.2% -14.5%
Liabilities 281.73
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
growth rate 20.3% 4.4% -2.3% 0.4% 106.3% 58.9% 11.5% 4.1% -13.2% -4.4%
LT Debt 75.00
75.00
75.00
0.00
75.00
356.80
708.10
807.78
842.95
655.30
668.34
growth rate 0.0% 0.0% -100.0% 375.7% 98.5% 14.1% 4.4% -22.3% 2.0%
Equity 225.01
213.80
236.10
255.60
317.33
534.40
543.70
581.41
654.40
754.92
764.60
growth rate -5.0% 10.4% 8.3% 24.2% 68.4% 1.7% 6.9% 12.6% 15.4% 1.3%
Common Shares 111.00
104.00
104.00
102.00
103.00
120.00
120.00
117.00
119.00
119.00
119.00
growth rate -6.3% 0.0% -1.9% 1.0% 16.5% 0.0% -2.5% 1.7% 0.0% 0.0%
Cash Flow Statement Sep '07 Dec '08 Dec '09 Dec '10 Dec '11 Dec '12 Dec '13 Dec '14 Dec '15 Dec '16 Dec '17
Capital Expenditures 8.89
7.00
1.90
5.00
10.67
13.05
21.10
17.63
27.28
40.81
25.72
growth rate -21.3% -72.9% 163.2% 113.4% 22.3% 61.7% -16.5% 54.8% 49.6% -37.0%
Cash Dividends 0.00
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 24.85
77.80
44.20
81.30
83.46
138.40
160.83
187.99
99.83
146.20
growth rate 213.1% -43.2% 83.9% 2.7% 28.8% 16.2% 16.9% -46.9% 46.5%
FCF per Share 0.26
0.63
0.33
0.67
0.64
-0.22
0.55
0.71
1.32
0.45
0.60
growth rate 142.3% -47.6% 103.0% -4.5% -100.0% 100.0% 29.1% 85.9% -65.9% 33.3%
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 16.00
66.00
34.00
68.00
64.00
-26.00
106.00
114.00
134.00
37.00
92.00
growth rate 312.5% -48.5% 100.0% -5.9% -100.0% 100.0% 7.6% 17.5% -72.4% 148.7%
Income Statement Sep '07 Dec '08 Dec '09 Dec '10 Dec '11 Dec '12 Dec '13 Dec '14 Dec '15 Dec '16 Dec '17
Sales 366.22
417.70
405.80
418.40
465.10
666.60
864.90
1,016.15
1,045.98
1,005.70
1,024.19
growth rate 14.1% -2.9% 3.1% 11.2% 43.3% 29.8% 17.5% 2.9% -3.9% 1.8%
Op.Income 2.42
21.70
41.60
53.60
45.85
48.80
63.90
149.57
130.15
74.71
133.79
growth rate 796.7% 91.7% 28.9% -14.5% 6.4% 30.9% 134.1% -13.0% -42.6% 79.1%
IBT -3.88
27.60
33.10
48.70
64.31
65.30
93.20
98.77
113.37
185.58
43.57
growth rate 100.0% 19.9% 47.1% 32.1% 1.5% 42.7% 6.0% 14.8% 63.7% -76.5%
Net Income -9.13
10.60
19.60
27.20
45.85
48.80
63.90
67.56
85.44
129.54
5.14
growth rate 100.0% 84.9% 38.8% 68.6% 6.4% 30.9% 5.7% 26.5% 51.6% -96.0%
EPS -0.08
0.10
0.19
0.27
0.45
0.41
0.53
0.58
0.72
1.09
0.04
growth rate 100.0% 90.0% 42.1% 66.7% -8.9% 29.3% 9.4% 24.1% 51.4% -96.3%
Gross Profit 225.38
287.70
278.10
288.70
330.81
454.70
521.10
561.39
573.68
560.79
571.91
growth rate 27.7% -3.3% 3.8% 14.6% 37.5% 14.6% 7.7% 2.2% -2.3% 2.0%
R&D 75.90
77.50
74.10
90.18
133.80
142.60
144.21
145.92
169.90
136.92
growth rate 2.1% -4.4% 21.7% 48.4% 6.6% 1.1% 1.2% 16.4% -19.4%

Quarterly Statements

Item Name Sep '17 Dec '17 Mar '18 Jun '18 Sep '18
Earnings BIT 11.42
110.12
-16.70
-2.16
28.36
growth rate 864.0% -100.0% 0.0% 100.0%
Balance Sheet Sep '17 Dec '17 Mar '18 Jun '18 Sep '18
Acct.Receivable 188.20
270.77
286.04
281.10
287.87
growth rate 43.9% 5.6% -1.7% 2.4%
Acct.Payable 29.66
34.72
33.48
30.83
27.38
growth rate 17.0% -3.6% -7.9% -11.2%
Cur.Assets 306.72
421.82
419.29
389.99
413.34
growth rate 37.5% -0.6% -7.0% 6.0%
Total Assets 1,814.89
1,861.64
2,015.17
1,965.74
1,984.32
growth rate 2.6% 8.3% -2.5% 1.0%
Cash 67.93
69.71
74.28
59.03
76.34
growth rate 2.6% 6.6% -20.5% 29.3%
Inventory
growth rate
Cur.Liabilities 264.99
321.78
270.34
260.42
249.63
growth rate 21.4% -16.0% -3.7% -4.1%
Liabilities 1,043.58
1,097.04
1,036.15
1,025.02
1,021.39
growth rate 5.1% -5.6% -1.1% -0.4%
LT Debt 674.39
668.34
658.86
654.81
663.06
growth rate -0.9% -1.4% -0.6% 1.3%
Equity 771.31
764.60
979.02
940.72
962.94
growth rate -0.9% 28.0% -3.9% 2.4%
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 Sep '17 Dec '17 Mar '18 Jun '18 Sep '18
Capital Expenditures 6.76
7.15
5.94
5.17
5.33
growth rate 5.8% -17.0% -12.9% 3.0%
Cash Dividends
growth rate
Cash From OA -14.03
61.13
45.14
25.98
29.35
growth rate 100.0% -26.2% -42.5% 13.0%
Sale Purchase of Stock 3.08
4.36
9.87
6.60
growth rate 41.6% 126.4% -33.2%
FCF -20.78
53.97
39.20
20.80
24.03
growth rate 100.0% -27.4% -46.9% 15.5%
Income Statement Sep '17 Dec '17 Mar '18 Jun '18 Sep '18
Sales 225.74
326.40
209.31
235.00
245.53
growth rate 44.6% -35.9% 12.3% 4.5%
Op.Income 11.42
110.12
-16.70
-2.16
28.36
growth rate 864.0% -100.0% 0.0% 100.0%
IBT 1.16
98.92
-23.38
-10.81
17.25
growth rate 8,464.7% -100.0% 0.0% 100.0%
Net Income 3.39
33.16
-19.43
-14.57
15.23
growth rate 878.9% -100.0% 0.0% 100.0%
EPS
growth rate
Gross Profit 118.34
210.40
101.97
118.73
143.05
growth rate 77.8% -51.5% 16.4% 20.5%
R&D 33.94
30.73
36.79
37.86
36.01
growth rate -9.4% 19.7% 2.9% -4.9%

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:

E (28.14)

YOY Growth Grade:

D (49.85)

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 252.05 252.05 36.18
EPS / Growth 0.4% 0.12 12.0%

Value Price & Investment Recovery Time

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

Equity Growth Rate: 11.2%

Estimates Pessimistic Moderate Optimistic My Numbers
Rate of Return 15.0%
MOS Price % 50 %
Future EPS Growth 0.4% 7.9% 7.9%
Future PE 0.72 25.94 25.94
Future EPS 0.13 0.26 0.26
Value Price
MOS %
0.02
-99.9%
1.67
-94.6%
1.67
-94.6%
MOS Price 0.01 0.83 0.83
IRT 99.00 39.20 39.20

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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