$ACI Worldwide (ACIW.US)$In the 2022 autumn inventory, it wa...

The American company listed in 1995 mainly does payment business, with 60% of the market in the USA. The current price is 30.56.

In the past 5 years, revenue has grown for 4 years except in 2018, with an average growth rate of 6.8%. The growth rate dropped to 3.7% in 2022, while operating profit increased with fluctuations, with an average growth rate of 19.2%. In 2022, it shrank by 2.9%. The average growth rate of net income in the past 4 years is 20%, with an increase of 11.3% in 2022 due to other net income. Interest expense accounted for 20% of operating profit in 2022, indicating a heavy interest burden. The gross margin has dropped from 57.4% to 51.1% in the past 5 years.

The revenue increased by 0.6% in the first three quarters of 2023, and the operating profit shrunk by 13.5%, resulting in a net loss.

The current PE ratio is 24.65, and the TTM PE ratio is 39.2. Considering the recent signs of revenue peaking and severe profit shrinkage, it is temporarily unattractive.