ACI Worldwide is a global software company that provides mission-critical real-time payment solutions to corporations. Customers use its proven, scalable and secure solutions to process and manage digital payments, enable omni-commerce payments, present and process bill payments, and manage fraud and risk. ACI Worldwide combines its global footprint with local presence to drive the real-time digital transformation of payments and commerce.

Company profile
Ticker
ACIW
Exchange
Website
CEO
Odilon Almeida
Employees
Incorporated
Location
Fiscal year end
Sector
Industry (SIC)
Microsoft • Oracle • NortonLifeLock • BlackBerry • Activision Blizzard • Vmware • Adobe • Ceridian HCM Holding • McAfee • Full Truck Alliance ...
Former names
TRANSACTION SYSTEMS ARCHITECTS INC
SEC CIK
Corporate docs
Subsidiaries
ACI Australia • ACI Worldwide • ACI Payments, Inc. • Applied Communications Holding GmbH • Applied Communications GPC Limited • Applied Communications (Ireland) Limited • ACI Worldwide (Luxembourg) S.a.r.l. • ACI Worldwide (Mexico) S.A. de C.V. • ACI Worldwide Corp. • ACI Worldwide B.V. ...
IRS number
470772104
ACIW stock data
News

ACI Worldwide's Return on Invested Capital Overview
16 Aug 22
Recap: ACI Worldwide Q2 Earnings
4 Aug 22
ACI Worldwide Q2 EPS $0.29 Beats $0.12 Estimate, Sales $340.43M Beat $330.08M Estimate
4 Aug 22
Earnings Scheduled For August 4, 2022
4 Aug 22
Amdocs' Vindicia Collaborates With ACI Worldwide To Provide Turn-key Payments Solution
3 Aug 22
Press releases
Eximbay Strengthens Cross-Border eCommerce Fraud Management with ACI Worldwide
10 Aug 22
ACI Worldwide Present at Multiple Investor Conferences
5 Aug 22
ACI Worldwide and CARDNET Team Up to Modernize Digital Payments in Japan
5 Aug 22
ACI Worldwide, Inc. Reports Financial Results for the Quarter Ended June 30, 2022
4 Aug 22
Amdocs' Vindicia Collaborates with ACI Worldwide to Provide Turn-key Payments Solution for Subscription Businesses
3 Aug 22
Analyst ratings and price targets
Calendar
4 Aug 22
16 Aug 22
31 Dec 22
Financial summary
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Recent insider trades
Date | Owner | Security | Transaction | Code | Indirect | 10b5-1 | $Price | #Shares | $Value | #Remaining |
---|---|---|---|---|---|---|---|---|---|---|
9 Aug 22 | Mary P Harman | Common Stock | Grant | Acquire A | No | No | 0 | 9,667 | 0 | 16,107 |
9 Aug 22 | Didier R Lamouche | Common Stock | Grant | Acquire A | No | No | 0 | 9,667 | 0 | 16,107 |
9 Aug 22 | Hale James C Iii | Common Stock | Grant | Acquire A | No | No | 0 | 9,667 | 0 | 73,918 |
9 Aug 22 | Peters Charles E JR | Common Stock | Grant | Acquire A | No | No | 0 | 9,667 | 0 | 75,594 |
9 Aug 22 | Sanchez Adalio T | Common Stock | Grant | Acquire A | No | No | 0 | 9,667 | 0 | 79,014 |
Institutional ownership, Q1 2022
13F holders | Current |
---|---|
Total holders | 285 |
Opened positions | 46 |
Closed positions | 37 |
Increased positions | 104 |
Reduced positions | 103 |
13F shares | Current |
---|---|
Total value | 3.68B |
Total shares | 116.08M |
Total puts | 78.9K |
Total calls | 270.8K |
Total put/call ratio | 0.3 |
Largest owners | Shares | Value |
---|---|---|
BLK Blackrock | 14.54M | $458M |
Vanguard | 11.18M | $352.03M |
Franklin Mutual Advisers | 6.36M | $220.81M |
Starboard Value | 6.24M | $196.57M |
BEN Franklin Resources | 5.92M | $186.57M |
Alliancebernstein | 5.55M | $174.71M |
STT State Street | 4.03M | $126.79M |
Cardinal Capital Management | 3.73M | $117.58M |
River Road Asset Management | 3.48M | $109.65M |
Dimensional Fund Advisors | 2.59M | $81.44M |
Financial report summary
?Risks
- The markets in which we compete are rapidly changing and highly competitive, and we may not be able to compete effectively.
- If we experience business interruptions or failure of our information technology and communication systems, the availability of our products and services could be interrupted which could adversely affect our reputation, business and financial condition.
- If our security measures are breached or become infected with a computer virus, or if our services are subject to attacks that degrade or deny the ability of users to access our products or services, our business may be harmed by disrupting delivery of services and damaging our reputation.
- If we engage in acquisitions, strategic partnerships or significant investments in new business, we will be exposed to risks which could materially adversely affect our business.
- We may experience difficulties implementing our Three Pillar strategy, and the Three Pillar strategy could prove
- unsuccessful in growing our business.
- Certain anti-takeover provisions contained in our charter and under Delaware law could hinder a takeover attempt.
- Certain payment funding methods expose us to the credit and/or operating risk of our clients.
- Potential customers may be reluctant to switch to a new vendor, which may adversely affect our growth, both in the United States and internationally.
- We may be unable to protect our intellectual property and technology.
- We may be subject to increasing litigation over our intellectual property rights.
- We are engaged in offshore software development activities, which may not be successful and which may put our intellectual property at risk.
- There are a number of risks associated with our international operations that could have a material impact on our operations and financial condition.
- Global economic conditions could reduce the demand for our products and services or otherwise adversely impact our cash flows, operating results and financial condition.
- If our products and services fail to comply with legislation, government regulations, and industry standards to which our customers are subject, it could result in a loss of customers and decreased revenue.
- Our software products may contain undetected errors or other defects, which could damage our reputation with customers, decrease profitability, and expose us to liability.
- If we fail to comply with the complex regulations applicable to our payments business, we could be subject to liability or our revenues may be reduced.
- If we fail to comply with privacy regulations imposed on providers of services to financial institutions, our business could be harmed.
- We may face exposure to unknown tax liabilities, which could adversely affect our financial condition, cash flows and/or results of operations.
- Consolidations and failures in the financial services industry may adversely impact the number of customers and our revenues in the future.
- Our stock price may be volatile.
- Our future profitability depends on demand for our products.
- Failure to obtain renewals of customer contracts or obtain such renewals on favorable terms could adversely affect our results of operations and financial condition.
- The delay or cancellation of a customer project or inaccurate project completion estimates may adversely affect our operating results and financial performance.
- Our balance sheet includes significant amounts of goodwill and intangible assets. The impairment of a significant portion of these assets could negatively affect our financial results.
- Management’s backlog estimate may not be accurate and may not generate the predicted revenues.
- Our revenue and earnings are highly cyclical, our quarterly results fluctuate significantly, and we have revenue-generating transactions concentrated in the final weeks of a quarter which may prevent accurate forecasting of our financial results and cause our stock price to decline.
- Our outstanding debt contains restrictions and other financial covenants that limit our flexibility in operating our business.
- Our existing levels of debt and debt service requirements may adversely affect our financial condition or operational flexibility and prevent us from fulfilling our obligations under our outstanding indebtedness.
- Replacement of the LIBOR benchmark interest rate could adversely affect our business, financial condition, and results of operations.
- The effects of the COVID-19 pandemic have materially affected how we, our clients and business partners are operating, and the duration and extent to which this will impact our future results of operations and overall financial performance remains uncertain.
- If our revenues or mix of revenues are below anticipated levels or if our operating results are below analyst or investor expectations, the market price of our common stock could be adversely affected.
Management Discussion
- Total revenue for the three months ended June 30, 2022, increased $38.8 million, or 13%, as compared to the same period in 2021.
- •The impact of foreign currencies weakening against the U.S. dollar resulted in a $4.2 million decrease in total revenue during the three months ended June 30, 2022, as compared to the same period in 2021.
- •Adjusted for the impact of foreign currency, total revenue for the three months ended June 30, 2022, increased $43.0 million, or 14%, as compared to the same period in 2021.
Content analysis
?Positive | ||
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H.S. sophomore Avg
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New words:
asserted, close, court, coverage, datacenter, divest, divestiture, established, establishment, exceed, furnished, intellectual, lessened, meant, migration, OEP, order, reimburse, transmission, TSA
Removed:
actively, alternative, anticipate, attendant, benchmark, cancellation, certainty, challenging, cleaning, commercially, Committee, compliant, consisting, continuity, created, cybersecurity, dedicated, defend, detrimental, discontinuation, disruption, distancing, economy, evolve, failure, foregoing, foreseeable, hand, health, implementing, inability, indexed, Interbank, lifted, light, London, Mindgate, mitigate, mitigating, modify, national, negative, Notwithstanding, obtained, Offered, ongoing, oversee, physical, posed, proposed, publication, recommended, reinstituted, relating, released, remotely, safety, satisfactory, social, successful, successfully, sufficient, team, telecommuting, temporarily, volatile
Financial reports
Current reports
8-K
ACI Worldwide, Inc. Reports Financial Results for the Revenue of $340 million, up 13% versus Q2 2021
4 Aug 22
8-K
Departure of Directors or Certain Officers
5 Jul 22
8-K
Departure of Directors or Certain Officers
17 Jun 22
8-K
Submission of Matters to a Vote of Security Holders
7 Jun 22
8-K
Departure of Directors or Certain Officers
6 Jun 22
8-K
Departure of Directors or Certain Officers
9 May 22
8-K
ACI Worldwide, Inc. Reports Financial Results for the Revenue of $323 million, up 13% versus Q1 2021
5 May 22
8-K
Departure of Directors or Certain Officers
19 Apr 22
8-K/A
Amendments to Articles of Incorporation or Bylaws
31 Mar 22
8-K
Amendments to Articles of Incorporation or Bylaws
28 Mar 22
Registration and prospectus
S-8
Registration of securities for employees
9 Jun 20
S-8 POS
Registration of securities for employees (post-effective amendment)
24 Jan 18
S-8 POS
Registration of securities for employees (post-effective amendment)
24 Jan 18
S-8 POS
Registration of securities for employees (post-effective amendment)
24 Jan 18
S-8
Registration of securities for employees
31 Jul 17
S-8 POS
Registration of securities for employees (post-effective amendment)
20 Sep 16
S-8 POS
Registration of securities for employees (post-effective amendment)
20 Sep 16
S-8 POS
Registration of securities for employees (post-effective amendment)
20 Sep 16
S-8 POS
Registration of securities for employees (post-effective amendment)
20 Sep 16
S-8 POS
Registration of securities for employees (post-effective amendment)
20 Sep 16
Proxies
DEFA14A
Additional proxy soliciting materials
18 Apr 22
DEFA14A
Additional proxy soliciting materials
16 Apr 21
DEFA14A
Additional proxy soliciting materials
29 May 20
DEFA14A
Additional proxy soliciting materials
24 Apr 20
DEFA14A
Additional proxy soliciting materials
26 Apr 19
DEF 14A
Definitive proxy
27 Apr 18
Other
UPLOAD
Letter from SEC
3 Dec 18
CORRESP
Correspondence with SEC
2 Oct 18
UPLOAD
Letter from SEC
19 Sep 18
UPLOAD
Letter from SEC
10 Jul 17
CORRESP
Correspondence with SEC
18 Jun 17
UPLOAD
Letter from SEC
6 Jun 17
CORRESP
Correspondence with SEC
17 Oct 13
UPLOAD
Letter from SEC
6 Aug 13
CORRESP
Correspondence with SEC
5 Aug 13
UPLOAD
Letter from SEC
23 Jul 13
Ownership
4
ACI WORLDWIDE / JANET O ESTEP ownership change
11 Aug 22
4
ACI WORLDWIDE / Samir Michael Zabaneh ownership change
11 Aug 22
4
ACI WORLDWIDE / Thomas W Warsop III ownership change
11 Aug 22
4
ACI WORLDWIDE / ADALIO T SANCHEZ ownership change
11 Aug 22
4
ACI WORLDWIDE / CHARLES E PETERS JR ownership change
11 Aug 22
4
ACI WORLDWIDE / JAMES C HALE III ownership change
11 Aug 22
4
ACI WORLDWIDE / Didier R Lamouche ownership change
11 Aug 22
4
ACI WORLDWIDE / Mary P Harman ownership change
11 Aug 22
SC 13D/A
ACI WORLDWIDE / Starboard Value ownership change
1 Apr 22
4
ACI WORLDWIDE / Jeremy Wilmot ownership change
21 Mar 22
Patents
Utility
System and method for fraud detection
31 Aug 21
A system and method for detecting fraudulent transactions of incremental transactions via incrementally training classifiers on a number of data subsets to obtain transaction label predictions.
Utility
System and Method for Fraud Detection
22 Jul 21
A system and method for detecting fraudulent transactions of incremental transactions via incrementally training classifiers on a number of data subsets to obtain transaction label predictions.
Utility
Method for billing and payment in digital wallets
13 Jul 20
A method for processing an electronic bill payment with a user-specific electronic device in operative communication with a digital wallet bill management system running on centralized processors in operative communication with databases and in networked communication with digital wallet applications, computerized billing systems and payment gateways.
Utility
System and computer-implemented method for improving data storage and analysis
2 Mar 20
A system and computer-implemented method for storing data and for calculating data characteristics.
Transcripts
2022 Q2
Earnings call transcript
6 Aug 22
2022 Q1
Earnings call transcript
7 May 22
2021 Q4
Earnings call transcript
24 Feb 22
2021 Q3
Earnings call transcript
6 Nov 21
2021 Q2
Earnings call transcript
7 Aug 21
2021 Q1
Earnings call transcript
8 May 21
2020 Q4
Earnings call transcript
27 Feb 21
2020 Q3
Earnings call transcript
8 Nov 20
2020 Q2
Earnings call transcript
9 Aug 20
2020 Q1
Earnings call transcript
8 May 20
Reddit threads
Daily Discussion Thread - August 3rd, 2022
3 Aug 22
Pre-market summary - June 7th
7 Jun 22
Daily Discussion Thread - May 5th, 2022
5 May 22
Daily Discussion Thread - May 4th, 2022
4 May 22
Daily Discussion Thread - February 24th, 2022
24 Feb 22
Daily Discussion Thread - February 23rd, 2022
23 Feb 22
Daily Discussion Thread - February 22nd, 2022
22 Feb 22
Daily Discussion Thread - February 21st, 2022
21 Feb 22
Why are e-commerce/payments stocks down over the last month?
22 Dec 21
Daily Discussion Thread - November 4th, 2021
4 Nov 21