ACIW is FAIRLYVALUED SecDiverAI
Median Fair Price 48.73
Confidence: MEDIUM
Fair Price Range 43.49 - 58.91
1 Year Price target: $ 51.24 - $ 54.57
3 Year Price target: $ 56.67 - $ 68.43
Current Market Price: 45.07 as of 2025-06-16
Investment Value of 100 $ invested in ACIW as compared to Market Index: SPY across historical periods[*does not include dividends]
Investment Period $ Value Today(ACIW) $ Value Today(SPY) CAGR vs Market
9 years before $ 210.64 $ 208.39 8.63% vs SPY:8.5%
5 years before $ 118.94 $ 150.37 3.53% vs SPY:8.5%
3 years before $ 129.9 $ 127.73 9.11% vs SPY:8.5%
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We have 4 report results for ticker: ACIW - ACI Worldwide, Inc., also organized by 4 group tags below ... Bargain Finder: Related Companies Portfolio Health: Related Companies

Business Checklist for ACIW from SecDiver AI beta Free for Limited Time

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Red Flags Identified


17

Total Checks Done


29

Wall Street Drivers beta

📊 Professional Investors(wallstreet) pay a lot of heed at these numbers, long term history matters - specially 9+ year trends
Score 5.0 / 10.0

  • revenue cagr for last 9 years
  • insight: ['19.09 is greater than equal to 5']
  • mental_model: We prefer growing Business which grow >= 5% YoY, better than GDP growth of >= 2-3%
  • cashflows cagr for last 9 years
  • insight: ['2.78 is NOT greater than equal to 5']
  • mental_model: We prefer growing Business which generate cashflows >= 5% YoY, for some industries like finance specially Banks this might be lower/red and its OK for them
  • shares outstanding cagr for last 9 years
  • insight: ['-0.82 is less than equal to 2']
  • mental_model: As a business owner equity is important, We want less dilution over years OR it should reduce so our share of business increases with time, less than 2% is ideal, >=10% is potentially bad be careful
  • debt cagr for last 9 years
  • insight: ['4.55 is NOT less than equal to 2']
  • mental_model: We prefer Business with lower debt growth
  • equity cagr for last 9 years
  • insight: ['9.25 is greater than equal to 5']
  • mental_model: We prefer growing Business having shareholder equity growth >= 5% YoY
  • leverage average for last 3 years
  • insight: ['6.08 is NOT less than equal to 5', '6.08 is greater than equal to 0']
  • mental_model: We prefer Business which can pay their debts in less than 5 years using cashflows, for some industries like finance specially Banks this might be lower/red and its OK for them
  • roe_cashflow::operating average for last 3 years
  • insight: ['17.58 is greater than equal to 10']
  • mental_model: Good Business have return on equity >= 10%
  • roce_cashflow::operating average for last 3 years
  • insight: ['6.73 is NOT greater than equal to 15']
  • mental_model: Good Business have return on capital >= 15%
  • roic_cashflow::operating average for last 3 years
  • insight: ['54.65 is greater than equal to 15']
  • mental_model: Good Business have return on invested capital >= 15%
  • goodwill cagr for last 9 years
  • insight: ['5.14 is NOT less than equal to 4']
  • mental_model: We prefer Business which grows organically, for Acquisition style businesses we want to look at Capital Allocation Success, Study their acquisitions
  • next_steps: Study their acquisitions history

Business Durability beta

🏰 Quality companies with moats show higher or stable trends, long term trends matters, Consistency is the Key
Score 2.0 / 10.0

  • margin cashflow running_sum for last 3 years
  • insight: ['trend is lower, last 3 year ratio: 0.15 wrt mean ratio: 0.259']
  • cash average for last 3 years
  • insight: ['trend is higher, last 3 year ratio: 168538000.0 wrt mean ratio: 119140846.153']
  • mental_model: We want stability on cash growth
  • roa_cashflow::operating average for last 3 years
  • insight: ['trend is lower, last 3 year ratio: 6.73 wrt mean ratio: 7.735']
  • mental_model: We want stability on increasing return on assets
  • roe_cashflow::operating average for last 3 years
  • insight: ['trend is lower, last 3 year ratio: 17.58 wrt mean ratio: 20.544']
  • mental_model: We want stability on increasing return on equity
  • roce_cashflow::operating average for last 3 years
  • insight: ['trend is lower, last 3 year ratio: 6.73 wrt mean ratio: 7.735']
  • mental_model: We want stability on increasing return on capital employed
  • roic_cashflow::operating average for last 3 years
  • insight: ['trend is lower, last 3 year ratio: 54.65 wrt mean ratio: 83.665']
  • mental_model: We want stability on increasing return on invested capital

Business Trends last 3 years beta

Score 3.0 / 10.0

  • receivables running_sum for last 3 years
  • insight: ['trend is lower, last 3 year ratio: 0.28 wrt mean ratio: 0.416']
  • mental_model: receivables should always grow less with revenues otherwise there might be some payment/collection issues, Watch out
  • payables running_sum for last 3 years
  • insight: ['trend is lower, last 3 year ratio: 0.03 wrt mean ratio: 0.078']
  • mental_model: the more this is the better, nothing bad about it.
  • cash running_sum for last 3 years
  • insight: ['trend is lower, last 3 year ratio: 0.11 wrt mean ratio: 0.235']
  • mental_model: cash trend should be similar or greater to revenue, if company is heavily reinvesting it might be OK, but do check

Profits Matter beta

💰 Companies needs to have positive profits to reward its shareholders in the long term
Score 10.0 / 10.0

  • positive cashflows profits average for last 3 years
  • insight: ['223548666.67 is greater than equal to 0']
  • mental_model: We want to see positive cashflows profits for last 3 years, Profits determine Stock prices in the long term

Capital Allocation beta

🧠 Remember: Shareholders only gets rewarded if management does prudent capital allocation decisions
Score 0.0 / 10.0

  • cashToRevenue running_sum for last 3 years
  • insight: ['trend is lower, last 3 year ratio: 0.11 wrt mean ratio: 0.235']
  • cashToEquity running_sum for last 3 years
  • insight: ['trend is lower, last 3 year ratio: 0.13 wrt mean ratio: 0.155']

Business Performance beta

Score 5.0 / 10.0

  • Operating Leverage Cashflow cagr for last 9 years
  • insight: ['Ratio is [0.15] for last 9 year ratio, threshold 0.9, value_1: 2.78, value_2: 19.09']
  • mental_model: We want Cashflow to grow atleast 90% of Revenue CAGR
  • Cash Cagr cagr for last 9 years
  • insight: ['Ratio is [0.74] for last 9 year ratio, threshold 0.9, value_1: 6.84, value_2: 9.25']
  • mental_model: We want Cash to grow atleast 90% of Revenue CAGR
  • Debt wrt Revenue cagr for last 9 years
  • insight: ['Ratio is [0.24] for last 9 year ratio, threshold 1, value_1: 4.55, value_2: 19.09']
  • mental_model: We want debt to grow less than revenue cagr
  • Debt wrt Equity cagr for last 9 years
  • insight: ['Ratio is [0.49] for last 9 year ratio, threshold 1, value_1: 4.55, value_2: 9.25']
  • mental_model: We want debt to grow less than equity cagr

Balance Sheet Quality beta

📈 Quality companies can withstand darkest hours, strong balance sheet is the key
Score 7.0 / 10.0

  • debtToCashflow running_sum for last 3 years
  • insight: ['trend is stable, last 3 year ratio: 6.08 wrt mean ratio: 5.858']
  • debtToEquity running_sum for last 3 years
  • insight: ['trend is lower, last 3 year ratio: 1.03 wrt mean ratio: 1.099']
  • leverage average for last 3 years
  • insight: ['6.08 is NOT less than equal to 5']
  • mental_model: We prefer Business which can pay their debts in less than 5 years

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We do NOT feel in CONTROL in the markets. Do we know why?

1. Showing BALANCE_SUMMARY report for ACIW [show/hide charts] Current Market Price: 45.07 as of 2025-06-16
T means Trillions, B means Billions, M means Millions, all values are in USD(or company filed currency) if not specified as percent/number in the Entry column
Disclaimer: Data is provided as is, please do your due diligence before making any investments, Markets can be very volatile!
Ticker Entry 2024 2023 2022 2021 2020 2019 2018 2017 2016 2015 2014 2013 2012 2011 2010 2009
ACIW StockMarketPrice 51.91 30.60 23.00 34.70 38.43 37.89 27.67 22.67 18.15 21.40 20.17 21.67 14.56 9.55 8.96 5.72
ACIW revenue 1.59B 1.45B 1.42B 1.37B 1.29B 1.26B 1.01B 1.02B 0.44B 0.47B 0.26B 0.25B 0.22B 0.19B 0.16B 0.15B
ACIW assets 3.03B 3.44B 3.21B 3.16B 3.39B 3.26B 2.12B 1.86B 1.90B 1.99B 1.85B 1.68B 1.25B 0.66B 0.60B 0.0
ACIW cash 0.22B 0.16B 0.12B 0.12B 0.17B 0.12B 0.15B 0.07B 0.08B 0.10B 0.08B 0.10B 0.08B 0.20B 0.17B 0.0
ACIW cashflow::operating 0.36B 0.17B 0.14B 0.22B 0.34B 0.14B 0.18B 0.15B 0.10B 0.19B 0.16B 0.14B -0.01B 0.08B 0.08B 0.04B
ACIW equity 1.42B 1.32B 1.19B 1.24B 1.21B 1.13B 1.05B 0.76B 0.75B 0.65B 0.58B 0.54B 0.53B 0.32B 0.26B 0.0
ACIW debt 0.92B 1.04B 2.11B 1.07B 1.16B 1.37B 0.67B 0.69B 0.74B 0.94B 0.89B 0.76B 0.37B 0.0 0.0 0.0
ACIW shares 0.11B 0.11B 0.11B 0.12B 0.12B 0.12B 0.12B 0.12B 0.12B 0.12B 0.11B 0.12B 0.12B 0.03B -0.00B -0.00B
ACIW shares_calc 0.10B 0.11B 0.11B 0.12B 0.12B 0.12B 0.12B 0.12B 0.12B 0.12B 0.11B 0.12B 0.12B 0.12B -0.00B -0.00B
ACIW payables 0.05B 0.05B 0.05B 0.04B 0.04B 0.04B 0.04B 0.03B 0.04B 0.06B 0.05B 0.04B 0.03B 0.01B 0.02B 0.0
ACIW receivables 0.41B 0.45B 0.40B 0.32B 0.34B 0.36B 0.35B 0.26B 0.27B 0.22B 0.23B 0.20B 0.22B 0.0 0.0 0.0
ACIW roa_cfo 10.41% 5.25% 4.54% 6.51% 10.32% 6.49% 9.88% 7.69% 5.02% 10.16% 9.56% 11.07% -1.39% 13.87% 13.52% inf
ACIW roe_cfo 27.09% 14.12% 11.52% 18.27% 29.76% 13.13% 24.06% 19.37% 15.26% 32.33% 29.58% 25.90% -2.92% 32.65% 31.81% inf
ACIW roce_cfo 10.41% 5.25% 4.54% 6.51% 10.32% 6.49% 9.88% 7.69% 5.02% 10.16% 9.56% 11.07% -1.39% 13.87% 13.52% inf
ACIW roic_cfo 80.76% 41.27% 41.91% 60.17% 85.67% 36.10% 59.65% 48.05% 44.50% 79.28% 74.03% 61.61% -4.09% 450.20% 438.58% inf
ACIW goodwill 1.23B 1.23B 1.23B 1.28B 1.28B 1.28B 0.91B 0.91B 0.91B 0.91B 0.78B 0.67B 0.50B 0.21B 0.20B 0.0
General notes:
Caution:: 0 value in revenue means we do not have data for the year for the ticker
0 value most likely means we had a data issue and could not find the field value in the particular year
StockMarketPrice is the price of the Stock in December first week for the year mentioned(typically)

2. Vertical Data, ratio wrt to shares_calc for ACIW [show/hide charts] Current Market Price: 45.07 as of 2025-06-16
T means Trillions, B means Billions, M means Millions, all values are in USD(or company filed currency) if not specified as percent/number in the Entry column
Disclaimer: Data is provided as is, please do your due diligence before making any investments, Markets can be very volatile!
Ticker Entry 2024 2023 2022 2021 2020 2019 2018 2017 2016 2015 2014 2013 2012 2011 2010 2009
ACIW StockMarketPrice
ACIW revenue 15.20 13.36 12.65 11.66 11.09 10.88 8.71 8.84 3.79 3.99 2.23 2.09 1.91 1.64 -84.39 -71.59
ACIW assets 28.84 31.68 28.56 26.87 29.01 28.18 18.30 16.06 16.22 16.83 16.12 14.27 10.78 5.73 -308.47 0.0
ACIW cash 2.06 1.51 1.11 1.04 1.42 1.05 1.28 0.60 0.65 0.86 0.67 0.81 0.66 1.70 -87.85 0.0
ACIW cashflow::operating 3.42 1.55 1.28 1.88 2.88 1.19 1.59 1.26 0.85 1.59 1.40 1.17 -0.08 0.72 -41.70 -20.49
ACIW equity 13.58 12.18 10.62 10.59 10.33 9.77 9.04 6.60 6.44 5.53 5.06 4.61 4.60 2.73 -131.09 0.0
ACIW debt 8.81 9.55 18.81 9.07 9.89 11.88 5.79 5.92 6.34 7.94 7.77 6.41 3.22 0.0 0.0 0.0
ACIW shares 1.02 1.00 1.02 1.00 1.00 1.00 1.00 1.02 1.00 0.99 1.00 1.00 1.00 0.29 0.29 0.29
ACIW shares_calc 1.00 1.00 1.00 1.00 1.00 1.00 1.00 1.00 1.00 1.00 1.00 1.00 1.00 1.00 1.00 1.00
ACIW payables 0.43 0.42 0.43 0.35 0.35 0.32 0.34 0.30 0.37 0.47 0.44 0.37 0.29 0.10 -7.83 0.0
ACIW receivables 3.95 4.16 3.59 2.73 2.94 3.11 3.00 2.27 2.29 1.85 1.98 1.73 1.87 0.0 0.0 0.0
ACIW goodwill 11.69 11.28 10.91 10.89 10.96 11.08 7.84 7.85 7.76 7.72 6.80 5.68 4.32 1.84 -104.58 0.0
General notes:
Caution:: 0 value in revenue means we do not have data for the year for the ticker
0 value most likely means we had a data issue and could not find the field value in the particular year
StockMarketPrice is the price of the Stock in December first week for the year mentioned(typically)

3. Vertical Data, ratio wrt to revenue for ACIW [show/hide charts] Current Market Price: 45.07 as of 2025-06-16
T means Trillions, B means Billions, M means Millions, all values are in USD(or company filed currency) if not specified as percent/number in the Entry column
Disclaimer: Data is provided as is, please do your due diligence before making any investments, Markets can be very volatile!
Ticker Entry 2024 2023 2022 2021 2020 2019 2018 2017 2016 2015 2014 2013 2012 2011 2010 2009
ACIW StockMarketPrice
ACIW revenue 100.00% 100.00% 100.00% 100.00% 100.00% 100.00% 100.00% 100.00% 100.00% 100.00% 100.00% 100.00% 100.00% 100.00% 100.00% 100.00%
ACIW assets 189.76% 237.15% 225.75% 230.46% 261.67% 258.88% 210.19% 181.77% 427.56% 421.39% 722.95% 683.81% 563.85% 350.14% 365.54% 0.0
ACIW cash 13.57% 11.31% 8.79% 8.91% 12.78% 9.65% 14.71% 6.81% 17.03% 21.65% 30.20% 38.65% 34.41% 103.83% 104.10% 0.0
ACIW cashflow::operating 22.50% 11.60% 10.08% 16.09% 25.98% 10.94% 18.22% 14.27% 22.44% 39.80% 62.83% 56.28% -4.18% 43.97% 49.41% 28.62%
ACIW equity 89.34% 91.17% 83.91% 90.82% 93.22% 89.80% 103.81% 74.65% 169.68% 138.56% 227.12% 221.06% 240.87% 167.17% 155.34% 0.0
ACIW debt 57.99% 71.46% 148.69% 77.76% 89.24% 109.13% 66.52% 66.95% 167.20% 198.73% 348.42% 307.12% 168.70% 0.0 0.0 0.0
ACIW shares 6.68% 7.49% 8.03% 8.57% 8.99% 9.23% 11.49% 11.53% 26.42% 24.87% 44.84% 47.93% 52.33% 17.63% -0.34% -0.40%
ACIW shares_calc 6.58% 7.48% 7.90% 8.58% 9.02% 9.19% 11.49% 11.32% 26.36% 25.04% 44.84% 47.93% 52.33% 61.16% -1.19% -1.40%
ACIW payables 2.85% 3.16% 3.38% 3.01% 3.18% 2.94% 3.92% 3.39% 9.64% 11.73% 19.67% 17.75% 15.29% 6.08% 9.28% 0.0
ACIW receivables 25.99% 31.14% 28.40% 23.38% 26.49% 28.55% 34.48% 25.66% 60.27% 46.39% 88.72% 82.77% 97.96% 0.0 0.0 0.0
ACIW goodwill 76.90% 84.40% 86.22% 93.41% 98.91% 101.77% 90.09% 88.82% 204.46% 193.37% 305.15% 272.09% 225.90% 112.81% 123.93% 0.0
General notes:
Caution:: 0 value in revenue means we do not have data for the year for the ticker
0 value most likely means we had a data issue and could not find the field value in the particular year
StockMarketPrice is the price of the Stock in December first week for the year mentioned(typically)

4. Vertical Data, ratio wrt to assets for ACIW [show/hide charts] Current Market Price: 45.07 as of 2025-06-16
T means Trillions, B means Billions, M means Millions, all values are in USD(or company filed currency) if not specified as percent/number in the Entry column
Disclaimer: Data is provided as is, please do your due diligence before making any investments, Markets can be very volatile!
Ticker Entry 2024 2023 2022 2021 2020 2019 2018 2017 2016 2015 2014 2013 2012 2011 2010
ACIW StockMarketPrice
ACIW revenue 52.70% 42.17% 44.30% 43.39% 38.22% 38.63% 47.58% 55.02% 23.39% 23.73% 13.83% 14.62% 17.74% 28.56% 27.36%
ACIW assets 100.00% 100.00% 100.00% 100.00% 100.00% 100.00% 100.00% 100.00% 100.00% 100.00% 100.00% 100.00% 100.00% 100.00% 100.00%
ACIW cash 7.15% 4.77% 3.89% 3.86% 4.88% 3.73% 7.00% 3.74% 3.98% 5.14% 4.18% 5.65% 6.10% 29.65% 28.48%
ACIW cashflow::operating 11.86% 4.89% 4.47% 6.98% 9.93% 4.23% 8.67% 7.85% 5.25% 9.45% 8.69% 8.23% -0.74% 12.56% 13.52%
ACIW equity 47.08% 38.44% 37.17% 39.41% 35.63% 34.69% 49.39% 41.07% 39.68% 32.88% 31.42% 32.33% 42.72% 47.74% 42.50%
ACIW debt 30.56% 30.13% 65.87% 33.74% 34.10% 42.15% 31.65% 36.83% 39.11% 47.16% 48.19% 44.91% 29.92% 0.0 0.0
ACIW shares 3.52% 3.16% 3.56% 3.72% 3.44% 3.57% 5.47% 6.34% 6.18% 5.90% 6.20% 7.01% 9.28% 5.03% -0.09%
ACIW shares_calc 3.47% 3.16% 3.50% 3.72% 3.45% 3.55% 5.46% 6.23% 6.17% 5.94% 6.20% 7.01% 9.28% 17.47% -0.32%
ACIW payables 1.50% 1.33% 1.50% 1.31% 1.22% 1.14% 1.87% 1.86% 2.25% 2.78% 2.72% 2.60% 2.71% 1.74% 2.54%
ACIW receivables 13.70% 13.13% 12.58% 10.14% 10.12% 11.03% 16.40% 14.12% 14.10% 11.01% 12.27% 12.10% 17.37% 0.0 0.0
ACIW goodwill 40.53% 35.59% 38.20% 40.53% 37.80% 39.31% 42.86% 48.87% 47.82% 45.89% 42.21% 39.79% 40.06% 32.22% 33.90%
General notes:
Caution:: 0 value in revenue means we do not have data for the year for the ticker
0 value most likely means we had a data issue and could not find the field value in the particular year
StockMarketPrice is the price of the Stock in December first week for the year mentioned(typically)


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