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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

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Calendar

25 Feb 21
13 Apr 21
31 Dec 21
Quarter (USD)
Dec 20 Sep 20 Jun 20 Mar 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.

Date Owner Security Transaction Code Indirect 10b5-1 $Price #Shares $Value #Remaining
17 Mar 21 Almeida Odilon Common Stock Sale back to company Dispose D No No 39.6 11,183 442.85K 169,058
17 Mar 21 Jeremy Wilmot Common Stock Sale back to company Dispose D No No 39.6 2,837 112.35K 107,610
17 Mar 21 Dennis Byrnes Common Stock Sale back to company Dispose D No No 39.6 3,944 156.18K 404,945

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

99.2% owned by funds/institutions
13F holders
Current Prev Q Change
Total holders 280 262 +6.9%
Opened positions 55 45 +22.2%
Closed positions 37 38 -2.6%
Increased positions 68 85 -20.0%
Reduced positions 120 91 +31.9%
13F shares
Current Prev Q Change
Total value 4.47B 3.04B +47.2%
Total shares 116.17M 116.11M +0.0%
Total puts 189.5K 80.5K +135.4%
Total calls 402.3K 142.9K +181.5%
Total put/call ratio 0.5 0.6 -16.4%
Largest owners
Shares Value Change
BLK Blackrock 13.44M $516.5M +0.6%
Vanguard 10.74M $412.8M +2.6%
WDR Waddell & Reed Financial 9.75M $374.79M -5.0%
Starboard Value 9.67M $371.46M +97.1%
STT State Street 3.92M $150.7M +2.3%
Cardinal Capital Management 3.28M $125.89M -25.3%
Conestoga Capital Advisors 3.03M $116.39M +1.1%
JHG Janus Henderson 2.9M $111.62M -0.3%
Dimensional Fund Advisors 2.6M $99.81M -2.2%
Victory Capital Management 2.34M $89.94M +27.6%
Largest transactions
Shares Bought/sold Change
Starboard Value 9.67M +4.76M +97.1%
Norges Bank 1.34M +1.34M NEW
River Road Asset Management 734.83K -1.29M -63.7%
Vulcan Value Partners 0 -1.12M EXIT
Cardinal Capital Management 3.28M -1.11M -25.3%
Senator Investment 0 -1M EXIT
BEN Franklin Resources 1.82M +998.87K +121.4%
BAC Bank Of America 1.1M -767.13K -41.1%
WDR Waddell & Reed Financial 9.75M -514.31K -5.0%
Victory Capital Management 2.34M +505.62K +27.6%

Financial report summary

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Competition
NCRTotal System ServicesFiservNICIngenicoMastercardVerifone SystemsVisaSquareWorldpay
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 7. MANAGEMENT’S DISCUSSION AND ANALYSIS OF FINANCIAL CONDITION AND RESULTS OF OPERATIONS
  • ACI Worldwide powers digital payments for more than 6,000 organizations around the world. More than 1,000 of the largest banks and intermediaries, as well as thousands of global merchants, rely on ACI to execute $14 trillion each day in payments and securities. In addition, myriad organizations utilize our electronic bill presentment and payment services. Through our comprehensive suite of software solutions delivered on customers’ premises, through the public cloud or through ACI’s private cloud, we provide real-time, immediate payments capabilities and enable the industry’s most complete omni-channel payments experience.
  • Our products are sold and supported directly and through distribution networks covering three geographic regions – the Americas, EMEA, and Asia Pacific. Each region has its own globally coordinated sales force, supplemented with local independent reseller and/or distributor networks. Our products and solutions are used globally by banks, intermediaries, merchants, and billers, such as third-party electronic payment processors, payment associations, switch interchanges and a wide range of transaction-generating endpoints, including ATMs, merchant POS terminals, bank branches, mobile phones, tablets, corporations, and internet commerce sites. Accordingly, our business and operating results are influenced by trends such as information technology spending levels, the growth rate of digital payments, mandated regulatory changes, and changes in the number and type of customers in the financial services industry, as well as economic growth and purchasing habits. Our products are marketed under the ACI Worldwide brand.
Content analysis
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