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Intrinsic value of ACI Worldwide, Inc. (ACIW)

Previous Close$21.88
Intrinsic Value
Upside potential
Previous Close
$21.88

VALUATION INPUT DATA (original, your and others' valuations)

ParameterOrig.Your
Date of valuation (DoV)  
Intrinsic value (IV) at DoV, $/sh  
IV at current val. algorithm, $/sh12.22 

The original valuation is based on fiscal year data as of 2021-12-31 and quarterly data as of 2022-03-31.

Registered users can save their valuation input data

  1. Annual
  2. Quarterly YoY
  3. Quarterly QoQ

Annual revenue growth rates, % (past and forecasted)

NOTE: The bar chart shows historic and forecasted yearly revenue growth rates. Its purpose is to help you in determining what initial revenue rate you want to base your stock valuation on. Please make sure that you are confident in the value you select - for most stocks it is by far the most important parameter in valuation.

Company description

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.

show cash flow forecast

FINANCIAL STATEMENTS FORECAST and PRESENT VALUE CALCULATION

Fiscal year2021(a)2022202320242025202620272028202920302031203220332034203520362037203820392040204120422043204420452046

INCOME STATEMENT

Revenue growth rate, %6.0NaN
Revenue, $1371NaN
Variable operating expenses, $mNaN
Fixed operating expenses, $mNaN
Total operating expenses, $m1161NaN
Operating income, $m210NaN
EBITDA, $m354NaN
Interest expense (income), $mNaN
Earnings before tax, $m175NaN
Tax expense, $m47NaN
Net income, $m128NaN

BALANCE SHEET

Cash and short-term investments, $m122NaN
Total assets, $m3159NaN
Adjusted assets (=assets-cash), $m3037NaN
Average production assets, $m1869NaN
Working capital, $m180NaN
Total debt, $m1133NaN
Total liabilities, $m1914NaN
Total equity, $m1245NaN
Debt-to-equity ratio0.910NaN
Adjusted equity ratio0.393NaN

CASH FLOW

Net income, $m128NaN
Depreciation, amort., depletion, $m144NaN
Funds from operations, $mNaN
Change in working capital, $mNaN
Cash from operations, $m220NaN
Maintenance CAPEX, $mNaN
New CAPEX, $mNaN
Total CAPEX, $m-45NaN
Free cash flow, $m266NaN
Issuance/(repurchase) of shares, $mNaN
Retained Cash Flow, $mNaN
Pot'l extraordinary dividend, $m180
Cash available for distribution, $mNaN
Discount rate, %NaN
PV of cash for distribution, $mNaN
Current shareholders' claim on cash, %NaN
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