ACI Worldwide Inc develops, markets, and installs a portfolio of software products focused on facilitating electronic payments. The firm also leverages its distribution network in the Americas; Europe, the Middle East, and Africa, or EMEA; and Asia-Pacific regions to sell software developed by third parties. ACI software products process payment transactions for retail banking clients, billers such as utilities and healthcare providers, and community banks and credit unions. ACI's customers are financial institutions all over the world, but majority of the revenue is generated in the United States and EMEA regions.

Financial Strength

5/10

Name	Current	Vs Industry
Cash-To-Debt	0.15
Equity-to-Asset	0.38
Debt-to-Equity	0.81
Debt-to-EBITDA	2.99
Interest Coverage	2.81
Piotroski F-Score	7/9	0 1 2 3 4 5 6 7 8 9
Altman Z-Score	2.34	Distress Grey Safe
Beneish M-Score	-2.45	Manipulator Not Manipulator
WACC vs ROIC		WACC ROIC

Growth Rank

5/10

	Name	Current	Vs Industry		Vs History
	3-Year Revenue Growth Rate	6.8
	3-Year EBITDA Growth Rate	7
	3-Year EPS without NRI Growth Rate	21.8
	3-Year FCF Growth Rate	-19.1
	3-Year Book Growth Rate	5.9

Momentum Rank

9/10

	Name	Current	Vs Industry		Vs History
	5-Day RSI	78.71
	9-Day RSI	66.48
	14-Day RSI	61.49
	6-1 Month Momentum %	54.51
	12-1 Month Momentum %	25.07

Liquidity Ratio

	Name	Current	Vs Industry		Vs History
	Current Ratio	1.36
	Quick Ratio	1.36
	Cash Ratio	0.16
	Days Sales Outstanding	76.62
	Days Payable	23.37

Dividend & Buy Back

	Name	Current	Vs Industry		Vs History
	3-Year Average Share Buyback Ratio	2.6
	Shareholder Yield %	0.31

Profitability Rank

8/10

	Name	Current	Vs Industry		Vs History
	Gross Margin %	50.49
	Operating Margin %	15.17
	Net Margin %	8.37
	FCF Margin %	9
	ROE %	10.01
	ROA %	3.8
	ROIC %	6.05
	ROC (Joel Greenblatt) %	100.6
	ROCE %	9.7
	Years of Profitability over Past 10-Year	10

GF Value Rank

5/10

	Name	Current	Vs Industry		Vs History
	PE Ratio	29.76
	Forward PE Ratio	19.41
	PE Ratio without NRI	22.22
	Shiller PE Ratio	37.88
	Price-to-Owner-Earnings	34.96
	PEG Ratio	1.85
	PS Ratio	2.49
	PB Ratio	2.72
	Price-to-Free-Cash-Flow	27.82
	Price-to-Operating-Cash-Flow	21.59
	EV-to-EBIT	19.76
	EV-to-EBITDA	12.41
	EV-to-Forward-EBITDA	11.38
	EV-to-Revenue	3.08
	EV-to-Forward-Revenue	2.86
	EV-to-FCF	34.17
	Price-to-Projected-FCF	1.11
	Price-to-DCF (Earnings Based)	1.13
	Price-to-DCF (FCF Based)	2.4
	Price-to-Median-PS-Value	0.98
	Price-to-Peter-Lynch-Fair-Value	1.88
	Earnings Yield (Greenblatt) %	5.06
	FCF Yield %	3.69
	Forward Rate of Return (Yacktman) %	15.92

GF Value: $30.82

ACIW

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