Docoh
Loading...

ACIW ACI Worldwide

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
CEO
Odilon Almeida
Employees
Incorporated
Location
Fiscal year end
Former names
TRANSACTION SYSTEMS ARCHITECTS INC
SEC CIK
IRS number
470772104

ACIW stock data

(
)

Calendar

6 May 21
29 Jul 21
31 Dec 21
Quarter (USD)
Mar 21 Dec 20 Sep 20 Jun 20
Revenue
Cost of revenue
Operating income
Operating margin
Net income
Net profit margin
Cash on hand
Change in cash
Diluted EPS
Annual (USD)
Dec 20 Dec 19 Dec 18 Dec 17
Revenue
Cost of revenue
Operating income
Operating margin
Net income
Net profit margin
Cash on hand
Change in cash
Diluted EPS

Financial data from company earnings reports.

Cash burn rate (estimated) Burn method: Change in cash Burn method: Operating income/loss Burn method: FCF (opex + capex)
Last Q Avg 4Q Last Q Avg 4Q Last Q Avg 4Q
Cash on hand (at last report) 184.36M 184.36M 184.36M 184.36M 184.36M 184.36M
Cash burn (monthly) (positive/no burn) (positive/no burn) 2.1M (positive/no burn) (positive/no burn) (positive/no burn)
Cash used (since last report) n/a n/a 8.33M n/a n/a n/a
Cash remaining n/a n/a 176.03M n/a n/a n/a
Runway (months of cash) n/a n/a 83.7 n/a n/a n/a

Beta Read what these cash burn values mean

Date Owner Security Transaction Code Indirect 10b5-1 $Price #Shares $Value #Remaining
24 Jun 21 Scott W Behrens Common Stock Sell Dispose S No Yes 38.02 8,056 306.29K 327,549
23 Jun 21 Scott W Behrens Common Stock Sell Dispose S No Yes 38.07 929 35.37K 335,605
17 Jun 21 Scott W Behrens Common Stock Sell Dispose S No Yes 38.68 37,156 1.44M 336,534
16 Jun 21 Scott W Behrens Common Stock Sell Dispose S No Yes 38.77 37,156 1.44M 373,690
15 Jun 21 Didier R Lamouche Common Stock Sell Dispose S No No 39.0311 4,368 170.49K 6,440
9 Jun 21 Jeremy Wilmot Common Stock Sale back to company Dispose D No No 38.82 5,437 211.06K 47,010
9 Jun 21 Evanthia Aretakis Common Stock Sale back to company Dispose D No No 38.82 5,437 211.06K 121,527

Data for the last complete 13F reporting period. To see the most recent changes to ownership, click the ownership history button above.

95.9% owned by funds/institutions
13F holders
Current Prev Q Change
Total holders 255 280 -8.9%
Opened positions 26 55 -52.7%
Closed positions 51 37 +37.8%
Increased positions 83 68 +22.1%
Reduced positions 109 120 -9.2%
13F shares
Current Prev Q Change
Total value 4.31B 4.46B -3.4%
Total shares 113.25M 116.12M -2.5%
Total puts 296.4K 189.5K +56.4%
Total calls 215.3K 402.3K -46.5%
Total put/call ratio 1.4 0.5 +192.3%
Largest owners
Shares Value Change
BLK Blackrock 14.13M $537.47M +5.1%
Vanguard 11.02M $419.23M +2.6%
WDR Waddell & Reed Financial 9.18M $349.12M -5.9%
Starboard Value 8.99M $341.97M -7.0%
STT State Street 4.08M $155.18M +4.0%
Cardinal Capital Management 3.33M $126.89M +1.8%
Conestoga Capital Advisors 3.06M $116.58M +1.2%
JHG Janus Henderson 2.72M $103.32M -6.5%
Dimensional Fund Advisors 2.6M $98.92M +0.1%
Victory Capital Management 2.57M $97.73M +9.7%
Largest transactions
Shares Bought/sold Change
Norges Bank 0 -1.34M EXIT
River Road Asset Management 0 -734.83K EXIT
TIG Advisors 727.18K +696.91K +2302.2%
BLK Blackrock 14.13M +685.21K +5.1%
Starboard Value 8.99M -678.37K -7.0%
WDR Waddell & Reed Financial 9.18M -577.36K -5.9%
Westfield Capital Management 0 -568.94K EXIT
SAMG Silvercrest Asset Management 1.69M -542.55K -24.3%
IVZ Invesco 680.93K +505.77K +288.8%
Shelter Haven Capital Management 0 -457.55K EXIT

Financial report summary

?
Competition
NCRFiservNicMastercardVisaRepay
Risks
  • 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.
  • 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 will be harmed by disrupting delivery of services and damaging our reputation.
  • We have a number of new members on our senior management team, which coupled with the announced plan to relocate our corporate headquarters, may pose challenges to our operations and business growth.
  • 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 integrating Speedpay, which could cause us to fail to realize the anticipated benefits of the acquisition.
  • We may experience difficulties implementing our new 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 become involved in litigation that could materially adversely affect our business financial condition, cash flows and/or results of operations.
  • 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.
  • Due to the industry we operate in, 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.
  • 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
  • ITEM 2. MANAGEMENT’S DISCUSSION AND ANALYSIS OF FINANCIAL CONDITION AND RESULTS OF OPERATIONS
  • This report contains forward-looking statements based on current expectations that involve a number of risks and uncertainties. Generally, forward-looking statements do not relate strictly to historical or current facts and may include words or phrases such as “believes,” “will,” “expects,” “anticipates,” “intends,” and words and phrases of similar impact. The forward-looking statements are made pursuant to safe harbor provisions of the Private Securities Litigation Reform Act of 1995, as amended.
  • Forward-looking statements in this report include, but are not limited to, statements regarding future operations, business strategy, business environment, key trends, and, in each case, statements related to expected financial and other benefits. Many of these factors will be important in determining our actual future results. Any or all of the forward-looking statements in this report may turn out to be incorrect. They may be based on inaccurate assumptions or may not account for known or unknown risks and uncertainties. Consequently, no forward-looking statement can be guaranteed. Actual future results may vary materially from those expressed or implied in any forward-looking statements, and our business, financial condition and results of operations could be materially and adversely affected. In addition, we disclaim any obligation to update any forward-looking statements after the date of this report, except as required by law.
Content analysis
?
Positive
Negative
Uncertain
Constraining
Legalese
Litigous
Readability
H.S. sophomore Avg
New words: accurate, app, Asia, atypical, Azure, bolstered, broad, browsing, buy, buying, called, click, code, coincide, contacted, cooperating, correct, corrected, curbside, damage, demonstrated, deployment, diligently, dining, easily, embraced, error, FedNow, Florida, flourish, format, friendly, grocery, hospitality, hurt, hybrid, inadvertently, interfere, introduced, introducing, ISO, launch, launched, led, lifted, loyalty, Mastercard, matter, merchandise, messaging, Miami, Microsoft, Mindgate, modernization, Omdia, optimization, overlay, Pacific, people, personalized, phishing, pickup, PIX, portfolio, propelled, protecting, protection, push, QR, quickly, reassessed, reinstituted, reputation, resiliency, retrieved, RfP, roadmap, RTP, smarter, speed, supplemented, target, tasked, Tier, top, transform, transmitted, transportation, undetected, unexpectedly, unique, urgency, warranty
Removed: ability, acceleration, acquired, addressing, affecting, affiliate, affirmative, aiming, allocate, Almeida, alter, API, applying, appointed, appointment, Area, assume, authentication, authorization, batch, begin, billing, bringing, broader, built, Capgemini, carry, center, certificate, character, check, chip, choose, codified, collateral, combination, combine, combined, commit, community, competition, competitive, complementary, comply, connection, consolidate, consolidator, convergence, Conversely, copy, core, Corporation, coverage, creating, criminal, criteria, deductible, defer, Delaware, Deloitte, denial, deploy, differentiate, Directive, discontinue, discontinued, dispenser, documentation, ease, EBA, ECB, ECG, effectively, efficiency, eligible, eliminating, embedded, enhanced, enterprise, entity, Euro, excluded, expanded, expect, expensed, extend, Facilitation, flexibility, flexible, focused, footprint, forego, forma, frequently, functionality, funded, grounding, guarantor, guidance, harder, heightening, identifiable, identification, identify, illustrative, implement, importance, improved, incorporation, incur, incurrence, independently, indirectly, inform, initiate, institution, integration, intensify, June, larger, laundering, lead, leaseback, legacy, lien, limit, located, managed, managing, mandatory, marketplace, member, merge, met, methodology, migrate, monitoring, move, negotiate, obtain, occurred, occurring, Odilon, Official, open, organized, outsourcing, Parliament, patented, paying, perspective, phone, picking, pledge, prefer, preliminary, prepayment, President, pro, purse, ratified, reach, redeem, reduced, referred, regional, reluctance, remove, repay, replace, replacement, restrict, retire, ripe, role, routing, scale, scrutiny, SEPA, serve, set, settling, shift, shopping, shown, site, smaller, smartcard, sophisticated, sourcing, Speedpay, stakeholder, stationary, store, strong, subordinated, suffer, supplier, supportable, supporting, survive, terrorism, trade, transitioned, transitioning, transmitter, ultimate, unable, unencumbered, Union, valuable, vendor, virtual, volatility, voting, waiting, wake, wallet, Walletron, weakening, website, Western, wholesale