CSIMarket
 
Aci Worldwide Inc   (NASDAQ: ACIW)
Other Ticker:  
 
    Sector  Technology    Industry Software & Programming
   Industry Software & Programming
   Sector  Technology
 
Price: $51.6200 $-0.69 -1.319%
Day's High: $51.98 Week Perf: -4.46 %
Day's Low: $ 51.02 30 Day Perf: 0.00
Volume (M): 408 52 Wk High: $ 59.71
Volume (M$): $ 21,056 52 Wk Avg: $43.80
Open: $51.49 52 Wk Low: $29.98



 Market Capitalization (Millions $) 5,473
 Shares Outstanding (Millions) 106
 Employees 3,212
 Revenues (TTM) (Millions $) 1,618
 Net Income (TTM) (Millions $) 227
 Cash Flow (TTM) (Millions $) 45
 Capital Exp. (TTM) (Millions $) 39

Aci Worldwide Inc

We develop, market, install, and support a broad line of software products and solutions primarily focused on facilitating real-time electronic payments. Our payment capabilities, technologies, and solutions are marketed under the brand name Universal Payments, or “UP,” which describes the breadth and depth of ACI’s product offerings. UP defines ACI’s enterprise or “universal” payments capabilities targeting any channel, any network, and any payment type. ACI UP solutions empower customers to regain control, choice, and flexibility in today’s complex payments environment, get to market more quickly, and reduce operational costs.

These products and services are used globally by banks, financial intermediaries—such as third-party electronic payment processors, payment associations, switch interchanges, merchants, and corporates, and a wide range of transaction-generating endpoints, including automated teller machines (“ATM”), merchant point-of-sale (“POS”) terminals, bank branches, mobile phones, tablets, corporations, and internet commerce sites. The authentication, authorization, switching, settlement, fraud-checking, and reconciliation of electronic payments is a complex activity due to the large number of locations and variety of sources from which transactions can be generated, the large number of participants in the market, high transaction volumes, geographically dispersed networks, differing types of authorization, and varied reporting requirements. These activities are typically performed online and are conducted 24 hours a day, seven days a week.

ACI combines a global perspective with local presence to tailor electronic payment solutions for our customers. We believe that we have one of the most diverse and robust electronic payment product portfolios in the industry with application software spanning the entire payments value chain. We also believe that our strong financial performance has been attributable to our ability to design and deliver quality products and solutions coupled with our ability to identify and successfully consummate and integrate strategic acquisitions.

ACI’s UP solutions span the payments ecosystem to support the electronic payment needs of banks, financial intermediaries, merchants and corporates. Our six strategic solution areas include the following:

Retail Payments

ACI offers comprehensive consumer payment solutions ranging from core payment engines to back-office support that enable banks and financial intermediaries to compete effectively in today’s real-time, open payments ecosystem.

UP Retail Payments solution enables banks to accept, authorize, route and secure payment transactions. Using the orchestration capabilities of UP Framework, this solution combines legacy technology with the modern, SOA-enabled UP BASE24-eps, protecting customers’ existing investment while enabling them to move to a real-time, open environment. Customers have the flexibility to operate this solution on a range of hardware options, including x86/Linux, IBM System z, IBM System p, HP NonStop and Oracle Solaris servers. This solution drives innovation and increases customer loyalty by delivering choice and consistency across channels.

ACI Card and Merchant Management solutions include comprehensive credit, debit, smart card and prepaid card issuance and management; end-to-end merchant account management and settlement; and operation of complex settlement environments through a flexible system designed to support changing business models. With proven scalability and interoperability with ACI’s other payment offerings, this suite allows banks to introduce new products to their consumer segments quickly, across different markets, nationally and internationally.

Real-Time Payments

ACI supports both low- and high-value, real-time payment processing for banks and financial intermediaries globally, ensuring multi-bank, multi-currency and 24x7 payment processing capabilities, as well as complete and ongoing regulatory compliance.

UP Immediate Payments solution enables banks to meet multiple real-time payments scheme requirements globally and to quickly create differentiated products to address consumer, business and merchant demands. The solution provides gateway connectivity to any live, real-time payments scheme around the world and can serve as a modern, real-time hub. The cloud solution speeds time to market through pre-packaged offerings that are tested and proven for major schemes globally, including U.K. Faster Payments, The Clearing House Real-Time Payments System, Zelle Network and EBA RT1.

UP Real-Time Payments solution is the only global solution that allows banks to address their RTGS (Real-Time Gross Settlement), SWIFT messaging, ACH and real-time faster payments needs with a single, universal offering. The solution delivers accelerated time to market with improved management of cash flow; payments security and fraud detection capabilities; simplified connectivity to new payments types and transparency for customers in tracking their payments.

Merchant Payments

ACI provides real-time, any-to-any payment capabilities globally in both card-present and card-not-present environments.

UP Merchant Payments solution provides merchants with a vendor-agnostic, flexible and secure omni-channel payments environment through an integration of Postilion, ACI ReD Shield and ACI PAY.ON Payments Gateway. Postilion facilitates transactions generated at the point of purchase, as well as back-office functions, including prepaid, debit and credit card processing, ACH processing, electronic benefits transfer, card issuance and management, check authorization, customer loyalty programs and returned check collection. ReD Shield offers real-time fraud prevention to detect and manage domestic and cross-border payments fraud across all payment types, as well as an interactive, self-service business intelligence portal for deep insight into merchant fraud activity. Lastly, the PAY.ON Payments Gateway delivers global payments connectivity through eCommerce and mCommerce channels, including a network of more than 350 card acquirer and alternative payment methods.

UP eCommerce Payments solution is designed for PSPs, ISOs, VARs, acquirers and others that offer payment services to their merchant customer base. The cloud-based solution integrates PAY.ON Payments Gateway and ReD Shield, and is available as a white-label product.

Payments Intelligence

ACI’s big data engine uses powerful analytics to deliver robust fraud prevention and detection capabilities to bank, financial intermediary, merchant, and corporate customers.

UP Payments Risk Management solution is a cloud-based, 360-degree approach to enterprise fraud management. The solution is designed to combat existing and emerging fraud threats using a combination of machine learning, fraud and payments data, advanced analytics, flexible rules and agile decision strategies. For banks and financial intermediaries, the ACI Proactive Risk Manager component gives customers real-time visibility into threats across their enterprise, including issuer card fraud, check/deposit fraud, wire fraud, merchant acquirer fraud, internal fraud and money laundering schemes at multiple perspectives, ranging from an account or customer level. For merchants, ReD Shield provides real-time fraud prevention for eCommerce and mCommerce transactions.

Digital Channels

ACI offers banks advanced cash management capabilities in a multi-tenant, cloud-based platform.

ACI Universal Online Banker is a comprehensive digital banking platform designed to meet the needs of small businesses up to large corporations. It enables banks to generate new revenues through an extensive library of APIs and payment services while delivering a compelling customer experience with a highly-intuitive user interface. Customers can use digital tools to easily manage daily collections, disbursements, information reporting and numerous other corporate cash management services.

Bill Payments

ACI meets the bill payment needs of corporate customers across numerous industries through a range of electronic bill payment solutions that help companies raise consumer satisfaction while reducing costs.

UP Bill Payment solutions enable corporate customers to electronically present bills and collect payments from consumers through a single, integrated platform that powers the entire bill payments operation. The solution overcomes internal application silos, providing a seamless consumer experience across all payment channels, payment types and methods. Customers can use UP Bill Payment solutions to power one-time payments, recurring payments, service-fee payments, disbursement services, remittance services and eBilling. The solution also simplifies treasury management operations through a broad array of reconciliation, reporting and payment servicing tools. UP Bill Payment solutions include industry-leading security, full payment card industry (PCI) compliance and privacy practices.

On Premises or On Demand Software Delivery Options

Our software solutions are offered to our customers through either a traditional term software license arrangement where the software is installed and operated on the customer premises (ACI On Premise) or through an on-demand arrangement where the solution is maintained and delivered through the cloud via our global data centers (ACI On Demand). Solutions delivered through ACI’s On Demand cloud are available in either a single-tenant environment, known as a Software as a Service (“SaaS”) offering, or in a multi-tenant environment, known as a platform as a service (“Platform”) offering. Pricing and payment terms depend on which solutions the customer requires and their transaction volumes. Generally, customers are required to commit to a minimum contract of three to five years.



   Company Address: 6060 Coventry Drive Elkhorn, 68022 NE
   Company Phone Number: 390-7600   Stock Exchange / Ticker: NASDAQ ACIW


Customers Net Income grew by ACIW's Customers Net Profit Margin grew to

64.07 %

12.92 %

• Customers Performance • Customers Expend. • Customers Efficiency • List of Customers


   

Stock Performances by Major Competitors

5 Days Decrease / Increase
     
DAY   -1.31%    
INTU        0.84% 
PAYC        1% 
PCTY        0.99% 
QTWO   -3.89%    
TDC   -19.79%    
• View Complete Report
   



Business Update

ACI Worldwide Designated as Leader in Integrated Bank Payment Systems by IDC MarketScape,

Published Tue, Nov 26 2024 2:47 PM UTC

ACI Worldwide: Acknowledged Leader in Integrated Bank Payment Systems by IDC MarketScape ACI Worldwide (NASDAQ: ACIW), acknowledged as an original pioneer in the global payments technology sector, has been distinguished as a Leader in the latest IDC MarketScape: Worldwide Integrated Bank Payment Systems 2024 Vendor Assessment. The report, identified as document number US5042...

Business Update

Navigating the Dual Narratives of ACI Worldwide Growth and APP Scam Challenges

Published Wed, Nov 20 2024 7:47 AM UTC

The world of digital transactions is both a wellspring of opportunity and a battleground of challenges. Among the front-running companies navigating these waters is ACI Worldwide Inc., a prominent player in electronic payment solutions. However, as the company rides a wave of robust market performance, it also faces projections of alarming trends in the realm of financial fr...

Business Update

Transforming Payments ACI Worldwide Partners with Zimswitch to Elevate Zimbabwes Digital Payment Security

Published Tue, Nov 19 2024 11:47 AM UTC

In the ever-evolving landscape of global payments, securing digital transactions has become paramount. Recognizing the rising threat of payment fraud, Zimswitch, Zimbabwe?s national electronic payments switch, has teamed up with ACI Worldwide (NASDAQ: ACIW), a pioneer in payments technology, to implement advanced fraud management solutions. This strategic collaboration is ai...

Business Update

As Holiday Season Spending Set to Soar in 2024, New Payment Trends and Security Threats Emerge

Published Tue, Oct 8 2024 4:47 PM UTC

As the tinsel and twinkling lights herald the arrival of the holiday season, there?s more than just festive spirit in the air. According to recent projections, global holiday spending is poised for a significant surge, marking a noteworthy 16% increase from October through December 2024 compared to the previous year. This exuberant consumer activity is a beacon of optimism f...

Business Update

ACI Worldwides Partnership with Red Hat Drives Growth and Innovation in Enterprise Payments,

Published Tue, Sep 3 2024 8:47 AM UTC

In a landscape increasingly dominated by cloud technology, ACI Worldwide Inc. has made waves with its recent collaboration with Red Hat, aiming to revolutionize enterprise payments for the cloud era. As businesses around the globe move towards more dynamic and scalable financial solutions, this partnership promises to enhance the agility, security, and efficiency of payment ...







Aci Worldwide Inc's Segments
Banks    49.15 % of total Revenue
Merchants    11.09 % of total Revenue
Billers    39.76 % of total Revenue
United States    53.36 % of total Revenue
Other    46.64 % of total Revenue
Bill Payments    39.76 % of total Revenue
Merchant Payments    11.09 % of total Revenue
Fraud Management    4.08 % of total Revenue
Real-Time Payments    10.04 % of total Revenue
Issuing and Acquiring    35.02 % of total Revenue
License    34.85 % of total Revenue
Maintenance    10.53 % of total Revenue
Banks Fraud Management    4.08 % of total Revenue
Banks Real-Time Payments    10.04 % of total Revenue
Banks Issuing and Acquiring    35.02 % of total Revenue
Banks Software as a service and platform as a service    2.59 % of total Revenue
Banks License    31.73 % of total Revenue
Banks Maintenance    9.72 % of total Revenue
Banks Services    5.11 % of total Revenue
Merchants Merchant Payments    11.09 % of total Revenue
Merchants Software as a service and platform as a service    7.1 % of total Revenue
Merchants License    3.12 % of total Revenue
Merchants Maintenance    0.81 % of total Revenue
Merchants Services    0.07 % of total Revenue
Billers Bill Payments    39.76 % of total Revenue
Billers Software as a service and platform as a service    39.76 % of total Revenue

  Aci Worldwide Inc Outlook

On April 30 2024 the Aci Worldwide Inc provided following guidance

an 20% year-over-year. Our Cloud and SaaS bookings also experienced strong growth, with a 30% increase compared to the same quarter last year. Overall, our revenue for the quarter was $330 million, a 10% increase from the previous year.

Looking ahead, we are confident in our ability to continue delivering strong results throughout the rest of the year. We are increasing our full year revenue guidance to be between $1.35 billion and $1.38 billion, with adjusted EBITDA expected to be between $380 million and $400 million. We continue to invest in research and development to drive innovation in our products and remain at the forefront of the payments industry.

In conclusion, we are pleased with ou...





Help

About us

Advertise

CSIMarket Company, Sector, Industry, Market Analysis, Stock Quotes, Earnings, Economy, News and Research. 
   Copyright © 2025 CSIMarket, Inc. All rights reserved.

Intraday data delayed per exchange requirements. All quotes are in local exchange time. Intraday data delayed 15 minutes for Nasdaq, and other exchanges. Fundamental and financial data for Stocks, Sector, Industry, and Economic Indicators provided by CSIMarket.com