Head to Head Analysis: ACI Worldwide (NASDAQ:ACIW) versus salesforce.com (NASDAQ:CRM)
ACI Worldwide (NASDAQ:ACIW) and salesforce.com (NYSE:CRM) are both computer and technology companies, but which is the superior investment? We will contrast the two businesses based on the strength of their institutional ownership, profitability, earnings, risk, valuation, dividends and analyst recommendations.
Valuation and Earnings
This table compares ACI Worldwide and salesforce.com’s top-line revenue, earnings per share (EPS) and valuation.
|Gross Revenue||Price/Sales Ratio||Net Income||Earnings Per Share||Price/Earnings Ratio|
|ACI Worldwide||$1.01 billion||3.61||$68.92 million||$1.11||29.71|
|salesforce.com||$13.28 billion||9.16||$1.11 billion||$1.45||108.17|
This table compares ACI Worldwide and salesforce.com’s net margins, return on equity and return on assets.
|Net Margins||Return on Equity||Return on Assets|
This is a breakdown of recent ratings and price targets for ACI Worldwide and salesforce.com, as reported by MarketBeat.com.
|Sell Ratings||Hold Ratings||Buy Ratings||Strong Buy Ratings||Rating Score|
ACI Worldwide currently has a consensus target price of $32.50, indicating a potential downside of 1.46%. salesforce.com has a consensus target price of $180.64, indicating a potential upside of 15.17%. Given salesforce.com’s stronger consensus rating and higher probable upside, analysts clearly believe salesforce.com is more favorable than ACI Worldwide.
Insider and Institutional Ownership
81.5% of salesforce.com shares are held by institutional investors. 4.5% of ACI Worldwide shares are held by insiders. Comparatively, 5.5% of salesforce.com shares are held by insiders. Strong institutional ownership is an indication that large money managers, endowments and hedge funds believe a stock will outperform the market over the long term.
Risk & Volatility
ACI Worldwide has a beta of 1.24, indicating that its share price is 24% more volatile than the S&P 500. Comparatively, salesforce.com has a beta of 1.38, indicating that its share price is 38% more volatile than the S&P 500.
salesforce.com beats ACI Worldwide on 14 of the 15 factors compared between the two stocks.
ACI Worldwide Company Profile
ACI Worldwide, Inc. provides software products and services for facilitating electronic payments to banks, financial intermediaries, merchants, and corporates worldwide. It offers UP Retail Payments solution that enables banks to accept, authorize, route, and secure payment transactions; and ACI Card and Merchant Management solutions, including credit, debit, smart card, and prepaid card issuance and management, as well as merchant account management and settlement. The company also provides UP Immediate Payments solution, which provides connectivity to country-level real-time payment schemes and create various products; and UP Real-Time Payments solution that allows banks to address RTGS, SWIFT messaging, ACH, and real-time payments. In addition, it offers Postilion; ACI PAY.ON Payments Gateway; ACI ReD Shield, a real-time fraud prevention solution, as well as UP eCommerce Payments solution; and UP Payments Risk Management solution and ACI Universal Online Banker platform. Further, the company provides UP Bill Payment solutions, which enable customers to present bills and collect payments from consumers electronically through a single and integrated platform that controls bill payments operation. Additionally, it offers bill presentment and payment collection services to consumer finance, insurance, healthcare, higher education, tax, and utility sectors; and implementation services, including installations, product configurations, and custom software modifications; business and technical consultancy, and on-site support services, as well as distributes or acts as a sales agent for software developed by third parties. The company markets its products and services under the ACI Worldwide, ACI Universal Payments, and ACI UP brand names. The company was formerly known as Transaction Systems Architects, Inc. and changed its name to ACI Worldwide, Inc. in July 2007. ACI Worldwide, Inc. was founded in 1975 and is headquartered in Naples, Florida.
salesforce.com Company Profile
salesforce.com, inc. develops enterprise cloud computing solutions with a focus on customer relationship management. The company offers Sales Cloud to store data, monitor leads and progress, forecast opportunities, and gain insights through analytics and relationship intelligence, as well as deliver quotes, contracts, and invoices. It also provides Service Cloud, which enables companies to deliver personalized customer service and support, as well as a field service solution that enables companies to connect agents, dispatchers, and mobile employees through a centralized platform, which helps to schedule and dispatch work, and track and manage jobs in real-time. In addition, the company offers Marketing Cloud to plan, personalize, and optimize one-to-one customer marketing interactions; and Commerce Cloud, which enables companies to enhance engagement, conversion, revenue, and loyalty from their customers. Further, it provides Lightning Platform that offers no-code to pro-code Platform-as-a-Service tools for building, securing, integrating, and managing the business apps; Anypoint Platform enables customers to connect any system, application, data, or device; Quip collaboration platform, which combines documents, spreadsheets, apps, and chat with live CRM data; and Salesforce Customer 360, which enables companies to connect customer data across the various offerings for financial services, healthcare, and government. Additionally, the company offers consulting and implementation services; training services, including instructor-led and online courses; and support and adoption programs. It provides its services through direct sales; and consulting firms, systems integrators, and other partners. The company was founded in 1999 and is headquartered in San Francisco, California.
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