La cadena de opciones muestra datos clave de las opciones de acciones de ACI Worldwide a varios precios de ejercicio y fechas de vencimiento. Los operadores utilizan esta información para analizar posibles operaciones y evaluar el sentimiento del mercado para ACI Worldwide..

ACI Worldwide (NASDAQ:ACIW) Bolsa, Cadena de Opciones

ACI Worldwide

ACI Worldwide Inc develops, markets and installs a portfolio of software products focused on facilitating electronic payments. The firm also leverages its distribution network in the Americas; Europe, the Middle East, and Africa, or EMEA; and Asia-Pacific regions to sell software developed by third parties. ACI software products process payment transactions for retail banking clients, billers such as utilities and healthcare providers, and community banks and credit unions. ACI's customers are financial institutions all over the world, but majority of the revenue is generated in the United States and EMEA regions.

ACI Worldwide Inc

News

ACIW

ACI Worldwide Teams Up with NationsBenefits To Boost Flex Card Acceptance And Retailer Connectivity

Partnership extension enables leading U.K. convenience retailer to continue to scale and innovate, supporting growth ambitions

ACI Worldwide And Co-Op Expand Payments Partnership, Building On Azure Cloud Migration And Advanced Fraud Prevention Tools

WIIM

ACI Worldwide shares are trading higher after the company reported better-than-expected Q4 financial results.

Q1 AND FULL-YEAR 2025 GUIDANCE
For the full year of 2025, we expect revenue growth to be in the 7% to 9% range on a constant currency basis, or in the range of $1.685 billion to $1.715 billion. We expect adjusted EBITDA to be in the range of $480 million to $495 million. For Q1 2025, we expect revenue to be between $360 million and $370 million and adjusted EBITDA of $70 million to $80 million.

Guidance

ACI Worldwide Expects Q1 Revenue Of $360M-$370M Vs $336.7M Est, FY25 Revenue Of $1.685B-$1.715B Vs $1.704B Est

Earnings

Earnings Beats

ACI Worldwide Q4 2024 Adj. EPS $1.08 Beats $0.58 Estimate, Sales $453.038M Beat $451.736M Estimate

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Earnings Scheduled For February 27, 2025

ACI Worldwide's (NYSE:<a class="ticker" href="https://www.benzinga.com/stock/ACIW#NYSE">ACIW</a>) short percent of float has fallen 5.07% since its last report. The company recently reported that it has 1.91 million shares sold short, which is 2.62% of all regular shares that are available for trading. Based on its trading volume, it would take traders 3.26 days to cover their short positions on average.
<h3>Why Short Interest Matters</h3>
Short interest is the number of shares that have been sold short but have not yet been covered or closed out. <a href="https://www.benzinga.com/money/how-to-short-a-stock/">Short selling</a> is when a trader sells shares of a company they do not own, with the hope that the price will fall. Traders make money from short selling if the price of the stock falls and they lose if it rises.
Short interest is important to track because it can act as an indicator of market sentiment towards a particular stock. An increase in short interest can signal that investors have become more bearish, while a decrease in short interest can signal they have become more bullish.
See Also: <a href="https://www.benzinga.com/short-interest">List of the most shorted stocks</a>
<h3>ACI Worldwide Short Interest Graph (3 Months)</h3>
<img src="https://www.benzinga.com/files/images/story/2025/1738094417_0.png" alt="short_fig" />
As you can see from the chart above the percentage of shares that are sold short for ACI Worldwide has declined since its last report. This does not mean that the stock is going to rise in the near-term but traders should be aware that less shares are being shorted.
<h3>Comparing ACI Worldwide's Short Interest Against Its Peers</h3>
Peer comparison is a popular technique amongst analysts and investors for gauging how well a company is performing. A company's peer is another company that has similar characteristics to it, such as industry, size, age, and financial structure. You can find a company's peer group by reading its 10-K, proxy filing, or by doing your own similarity analysis.
According to <a href="https://pro.benzinga.com/">Benzinga Pro</a>, ACI Worldwide's peer group average for short interest as a percentage of float is 9.05%, which means the company has less short interest than most of its peers.
Did you know that increasing short interest can actually be bullish for a stock? <a href="https://www.benzinga.com/money/how-to-make-money-on-a-short-squeeze/">This post by Benzinga Money explains how you can profit from it.</a>
This article was generated by Benzinga's automated content engine and was reviewed by an editor.

Short Sellers

Short Ideas

Trading Ideas

Peering Into ACI Worldwide's Recent Short Interest

In the current session, the stock is trading at $54.75, after a 0.27% spike. Over the past month, ACI Worldwide Inc. (NASDAQ:<a class="ticker" href="https://www.benzinga.com/stock/ACIW#NASDAQ">ACIW</a>) stock increased by 0.76%, and in the past year, by 84.01%. With performance like this, long-term shareholders are optimistic but others are more likely to look into the price-to-earnings ratio to see if the stock might be overvalued.

<img src="https://www.benzinga.com/files/images/story/2024/1734105640_0.png" alt="Past Year Chart" />

<h3>Comparing ACI Worldwide P/E Against Its Peers</h3>
The P/E ratio is used by long-term shareholders to assess the company's market performance against aggregate market data, historical earnings, and the industry at large. A lower P/E could indicate that shareholders do not expect the stock to perform better in the future or it could mean that the company is undervalued. 
ACI Worldwide has a lower P/E than the aggregate P/E of 114.62 of the Software industry. Ideally, one might believe that the stock might perform worse than its peers, but it's also probable that the stock is undervalued. 

<img src="https://www.benzinga.com/files/images/story/2024/1734105640_1.png" alt="Guage" />

In conclusion, the price-to-earnings ratio is a useful metric for analyzing a company's market performance, but it has its limitations. While a lower P/E can indicate that a company is undervalued, it can also suggest that shareholders do not expect future growth. Additionally, the P/E ratio should not be used in isolation, as other factors such as industry trends and business cycles can also impact a company's stock price. Therefore, investors should use the P/E ratio in conjunction with other financial metrics and qualitative analysis to make informed investment decisions.

Intraday Update

Markets

Price Over Earnings Overview: ACI Worldwide

ACI Worldwide To Protect Zimbabwe's Payments Landscape Through Partnership With Zimswitch

ACI Worldwide's (NYSE:<a class="ticker" href="https://www.benzinga.com/stock/ACIW#NYSE">ACIW</a>) short percent of float has fallen 7.67% since its last report. The company recently reported that it has 2.19 million shares sold short, which is 3.01% of all regular shares that are available for trading. Based on its trading volume, it would take traders 4.56 days to cover their short positions on average.
<h3>Why Short Interest Matters</h3>
Short interest is the number of shares that have been sold short but have not yet been covered or closed out. <a href="https://www.benzinga.com/money/how-to-short-a-stock/">Short selling</a> is when a trader sells shares of a company they do not own, with the hope that the price will fall. Traders make money from short selling if the price of the stock falls and they lose if it rises.
Short interest is important to track because it can act as an indicator of market sentiment towards a particular stock. An increase in short interest can signal that investors have become more bearish, while a decrease in short interest can signal they have become more bullish.
See Also: <a href="https://www.benzinga.com/short-interest">List of the most shorted stocks</a>
<h3>ACI Worldwide Short Interest Graph (3 Months)</h3>
<img src="https://www.benzinga.com/files/images/story/2024/1731693621_0.png" alt="short_fig" />
As you can see from the chart above the percentage of shares that are sold short for ACI Worldwide has declined since its last report. This does not mean that the stock is going to rise in the near-term but traders should be aware that less shares are being shorted.
<h3>Comparing ACI Worldwide's Short Interest Against Its Peers</h3>
Peer comparison is a popular technique amongst analysts and investors for gauging how well a company is performing. A company's peer is another company that has similar characteristics to it, such as industry, size, age, and financial structure. You can find a company's peer group by reading its 10-K, proxy filing, or by doing your own similarity analysis.
According to <a href="https://pro.benzinga.com/">Benzinga Pro</a>, ACI Worldwide's peer group average for short interest as a percentage of float is 8.21%, which means the company has less short interest than most of its peers.
Did you know that increasing short interest can actually be bullish for a stock? <a href="https://www.benzinga.com/money/how-to-make-money-on-a-short-squeeze/">This post by Benzinga Money explains how you can profit from it.</a>
This article was generated by Benzinga's automated content engine and was reviewed by an editor.

DA Davidson analyst Peter Heckmann downgrades ACI Worldwide (NASDAQ:<a class="ticker" href="https://www.benzinga.com/stock/ACIW#NASDAQ">ACIW</a>) from Buy to Neutral and raises the price target from $57 to $60.

Downgrades

Price Target

Analyst Ratings

DA Davidson Downgrades ACI Worldwide to Neutral, Raises Price Target to $60

ACI Worldwide shares are trading higher after the company reported better-than-expected Q3 financial results and raised its FY24 guidance.

RAISING 2024 GUIDANCE
For the full year of 2024, we are raising our guidance for both revenue and adjusted EBITDA. We now expect revenue to be in the range of $1.567 billion to $1.601 billion, up from the range of $1.557 billion to $1.591 billion. We now expect adjusted EBITDA to be in the range of $433 million to $448 million, up from the range of $423 million to $438 million.

ACI Worldwide Raises 2024 Guidance: Now Expects Revenue Of $1.567B-$1.601B (Prior $1.557B-$1.591B Vs $1.577B Est.; Sees Adj. EBITDA Of $433M-$448M (Prior $423M-$438M)

ACI Worldwide (NASDAQ:<a class="ticker" href="https://www.benzinga.com/stock/ACIW#NASDAQ">ACIW</a>) reported quarterly earnings of $0.97 per share which beat the analyst consensus estimate of $0.42 by 130.95 percent. This is a 86.54 percent increase over earnings of $0.52 per share from the same period last year. The company reported quarterly sales of $451.752 million which beat the analyst consensus estimate of $403.256 million by 12.03 percent. This is a 24.44 percent increase over sales of $363.015 million the same period last year.

ACI Worldwide Q3 2024 Adj. EPS $0.97 Beats $0.42 Estimate, Sales $451.752M Beat $403.256M Estimate

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MAWSON INFRSTRUCTURE GRP by Mawson Infrastructure Group Inc.

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Shares of software companies are trading higher in sympathy with overall market strength after Donald Trump was elected president of the United States.

Stephens &amp; Co. analyst Charles Nabhan downgrades ACI Worldwide (NASDAQ:<a class="ticker" href="https://www.benzinga.com/stock/ACIW#NASDAQ">ACIW</a>) from Overweight to Equal-Weight.

Stephens & Co. Downgrades ACI Worldwide to Equal-Weight

ACI Worldwide (NASDAQ:<a class="ticker" href="https://www.benzinga.com/stock/ACIW#NASDAQ">ACIW</a>) has been analyzed by 4 analysts in the last three months, revealing a diverse range of perspectives from bullish to bearish.
The following table encapsulates their recent ratings, offering a glimpse into the evolving sentiments over the past 30 days and comparing them to the preceding months.
<table>
<thead>
<tr>
<th></th>
<th style="text-align: right;">Bullish</th>
<th style="text-align: right;">Somewhat Bullish</th>
<th style="text-align: right;">Indifferent</th>
<th style="text-align: right;">Somewhat Bearish</th>
<th style="text-align: right;">Bearish</th>
</tr>
</thead>
<tbody>
<tr>
<td>Total Ratings</td>
<td style="text-align: right;">4</td>
<td style="text-align: right;">0</td>
<td style="text-align: right;">0</td>
<td style="text-align: right;">0</td>
<td style="text-align: right;">0</td>
</tr>
<tr>
<td>Last 30D</td>
<td style="text-align: right;">1</td>
<td style="text-align: right;">0</td>
<td style="text-align: right;">0</td>
<td style="text-align: right;">0</td>
<td style="text-align: right;">0</td>
</tr>
<tr>
<td>1M Ago</td>
<td style="text-align: right;">0</td>
<td style="text-align: right;">0</td>
<td style="text-align: right;">0</td>
<td style="text-align: right;">0</td>
<td style="text-align: right;">0</td>
</tr>
<tr>
<td>2M Ago</td>
<td style="text-align: right;">0</td>
<td style="text-align: right;">0</td>
<td style="text-align: right;">0</td>
<td style="text-align: right;">0</td>
<td style="text-align: right;">0</td>
</tr>
<tr>
<td>3M Ago</td>
<td style="text-align: right;">3</td>
<td style="text-align: right;">0</td>
<td style="text-align: right;">0</td>
<td style="text-align: right;">0</td>
<td style="text-align: right;">0</td>
</tr>
</tbody>
</table>
Analysts provide deeper insights through their assessments of 12-month price targets, revealing an average target of $54.25, a high estimate of $60.00, and a low estimate of $48.00. Marking an increase of 19.23%, the current average surpasses the previous average price target of $45.50. 
<img src="https://www.benzinga.com/files/images/story/2024/1729026023_0.png" alt="price target chart" />
<h2>Interpreting Analyst Ratings: A Closer Look</h2>
A comprehensive examination of how financial experts perceive ACI Worldwide is derived from recent analyst actions. The following is a detailed summary of key analysts, their recent evaluations, and adjustments to ratings and price targets.
<table>
<thead>
<tr>
<th>Analyst</th>
<th>Analyst Firm</th>
<th>Action Taken</th>
<th>Rating</th>
<th>Current Price Target</th>
<th>Prior Price Target</th>
</tr>
</thead>
<tbody>
<tr>
<td>Peter Heckmann</td>
<td>DA Davidson</td>
<td>Raises</td>
<td>Buy</td>
<td>$57.00</td>
<td>$52.00</td>
</tr>
<tr>
<td>Peter Heckmann</td>
<td>DA Davidson</td>
<td>Raises</td>
<td>Buy</td>
<td>$52.00</td>
<td>$48.00</td>
</tr>
<tr>
<td>Joseph Vafi</td>
<td>Canaccord Genuity</td>
<td>Raises</td>
<td>Buy</td>
<td>$60.00</td>
<td>$40.00</td>
</tr>
<tr>
<td>Peter Heckmann</td>
<td>DA Davidson</td>
<td>Raises</td>
<td>Buy</td>
<td>$48.00</td>
<td>$42.00</td>
</tr>
</tbody>
</table>
<h3>Key Insights:</h3>
<ul>
<li>Action Taken: Analysts respond to changes in market conditions and company performance, frequently updating their recommendations. Whether they 'Maintain', 'Raise' or 'Lower' their stance, it reflects their reaction to recent developments related to ACI Worldwide. This information offers a snapshot of how analysts perceive the current state of the company.</li>
<li>Rating: Offering a comprehensive view, analysts assess stocks qualitatively, spanning from 'Outperform' to 'Underperform'. These ratings convey expectations for the relative performance of ACI Worldwide compared to the broader market.</li>
<li>Price Targets: Analysts navigate through adjustments in price targets, providing estimates for ACI Worldwide's future value. Comparing current and prior targets offers insights into analysts' evolving expectations.</li>
</ul>
Understanding these analyst evaluations alongside key financial indicators can offer valuable insights into ACI Worldwide's market standing. Stay informed and make well-considered decisions with our Ratings Table.
<a href="https://www.benzinga.com/quote/ACIW/analyst-ratings?utm_source=Benzinga Insights">Stay up to date on ACI Worldwide analyst ratings.</a>
<h2>Unveiling the Story Behind ACI Worldwide</h2>
ACI Worldwide Inc develops, markets, and installs a portfolio of software products focused on facilitating electronic payments. The firm also leverages its distribution network in the Americas; Europe, the Middle East, and Africa, or EMEA; and Asia-Pacific regions to sell software developed by third parties. ACI software products process payment transactions for retail banking clients, billers such as utilities and healthcare providers, and community banks and credit unions. ACI's customers are financial institutions all over the world, but majority of the revenue is generated in the United States and EMEA regions.
<h3>ACI Worldwide: Financial Performance Dissected</h3>
Market Capitalization Analysis: With an elevated market capitalization, the company stands out above industry averages, showcasing substantial size and market acknowledgment.
Revenue Growth: ACI Worldwide's revenue growth over a period of 3 months has been noteworthy. As of 30 June, 2024, the company achieved a revenue growth rate of approximately 15.51%. This indicates a substantial increase in the company's top-line earnings. As compared to competitors, the company encountered difficulties, with a growth rate lower than the average among peers in the Information Technology sector.
Net Margin: ACI Worldwide's financial strength is reflected in its exceptional net margin, which exceeds industry averages. With a remarkable net margin of 8.27%, the company showcases strong profitability and effective cost management.
Return on Equity (ROE): ACI Worldwide's ROE stands out, surpassing industry averages. With an impressive ROE of 2.48%, the company demonstrates effective use of equity capital and strong financial performance.
Return on Assets (ROA): ACI Worldwide's ROA surpasses industry standards, highlighting the company's exceptional financial performance. With an impressive 0.93% ROA, the company effectively utilizes its assets for optimal returns.
Debt Management: ACI Worldwide's debt-to-equity ratio surpasses industry norms, standing at 0.84. This suggests the company carries a substantial amount of debt, posing potential financial challenges.
<h2>Understanding the Relevance of Analyst Ratings</h2>
Ratings come from analysts, or specialists within banking and financial systems that report for specific stocks or defined sectors (typically once per quarter for each stock). Analysts usually derive their information from company conference calls and meetings, financial statements, and conversations with important insiders to reach their decisions.
Beyond their standard evaluations, some analysts contribute predictions for metrics like growth estimates, earnings, and revenue, furnishing investors with additional guidance. Users of analyst ratings should be mindful that this specialized advice is shaped by human perspectives and may be subject to variability.
Which Stocks Are Analysts Recommending Now?
Benzinga Edge gives you instant access to all major analyst upgrades, downgrades, and price targets. Sort by accuracy, upside potential, and more. <a href="https://www.benzinga.com/premium/ideas/benzinga-edge-checkout/?t=be8be9arja3be22bz21&amp;utm_source=benzinga-insights">Click here to stay ahead of the market</a>.
This article was generated by Benzinga's automated content engine and reviewed by an editor.

Key Takeaways From ACI Worldwide Analyst Ratings

Top Wall Street analysts changed their outlook on these top names. For a complete view of all analyst rating changes, including upgrades and downgrades, please see our <a href="https://www.benzinga.com/analyst-stock-ratings">analyst ratings page</a>.
<ul>
<li>Scotiabank raised FirstService Corporation (NASDAQ:<a class="ticker" href="https://www.benzinga.com/stock/FSV#NASDAQ">FSV</a>) price target from $190 to $200. Scotiabank analyst Himanshu Gupta maintained a Sector Perform rating. FirstService shares closed at $184.78 on Monday. <a href="https://www.benzinga.com/quote/FSV/analyst-ratings">See how other analysts view this stock.</a></li>
<li>DA Davidson boosted the price target for ACI Worldwide, Inc. (NASDAQ:<a class="ticker" href="https://www.benzinga.com/stock/ACIW#NASDAQ">ACIW</a>) from $52 to $57. DA Davidson analyst Peter Heckmann maintained a Buy rating. ACI Worldwide shares closed at $52.66 on Monday. <a href="https://www.benzinga.com/quote/ACIW/analyst-ratings">See how other analysts view this stock.</a></li>
<li>UBS cut the price target for Philip Morris International Inc. (NYSE:<a class="ticker" href="https://www.benzinga.com/stock/PM#NYSE">PM</a>) from $105 to $103. UBS analyst Faham Baig maintained a Sell rating. Philip Morris shares closed at $120.08 on Monday. <a href="https://www.benzinga.com/quote/PM/analyst-ratings">See how other analysts view this stock</a>.</li>
<li>Wells Fargo raised The Sherwin-Williams Company (NYSE:<a class="ticker" href="https://www.benzinga.com/stock/SHW#NYSE">SHW</a>) price target from $350 to $400. Wells Fargo analyst Michael Sison maintained an Equal-Weight rating. Sherwin-Williams shares closed at $384.16 on Monday. <a href="https://www.benzinga.com/quote/SHW/analyst-ratings">See how other analysts view this stock</a>.</li>
<li>BMO Capital raised S&amp;P Global Inc. (NYSE:<a class="ticker" href="https://www.benzinga.com/stock/SPGI#NYSE">SPGI</a>) price target from $537 to $589. BMO Capital analyst Jeffrey Silber maintained an Outperform rating. S&amp;P Global shares closed at $527.52 on Monday. <a href="https://www.benzinga.com/quote/SPGI/analyst-ratings">See how other analysts view this stock.</a></li>
<li>Truist Securities raised McDonald&#8217;s Corporation (NYSE:<a class="ticker" href="https://www.benzinga.com/stock/MCD#NYSE">MCD</a>) price target from $295 to $350. Truist Securities analyst Jake Bartlett maintained a Buy rating. McDonald&#8217;s shares closed at $309.84 on Monday. <a href="https://www.benzinga.com/quote/MCD/analyst-ratings">See how other analysts view this stock</a>.</li>
<li>Evercore ISI Group raised the price target for Brinker International, Inc. (NYSE:<a class="ticker" href="https://www.benzinga.com/stock/EAT#NYSE">EAT</a>) from $69 to $90. Evercore ISI Group analyst David Palmer maintained an In-Line rating. Brinker settled at $87.70 on Monday. <a href="https://www.benzinga.com/quote/EAT/analyst-ratings">See how other analysts view this stock</a>.</li>
<li>Piper Sandler raised Viper Energy, Inc. (NASDAQ:<a class="ticker" href="https://www.benzinga.com/stock/VNOM#NASDAQ">VNOM</a>) price target from $57 to $61. Piper Sandler analyst Mark Lear maintained an Overweight rating. Viper Energy shares closed at $51.97 on Monday. <a href="https://www.benzinga.com/quote/VNOM/analyst-ratings">See how other analysts view this stock</a>.</li>
<li>Oppenheimer cut the price target for Zimmer Biomet Holdings, Inc. (NYSE:<a class="ticker" href="https://www.benzinga.com/stock/ZBH#NYSE">ZBH</a>) from $145 to $135. Oppenheimer analyst Steven Lichtman maintained an Outperform rating. Zimmer Biomet shares closed at $104.83 on Monday. <a href="https://www.benzinga.com/quote/ZBH/analyst-ratings">See how other analysts view this stock</a>.</li>
<li>TD Cowen cut SM Energy Company (NYSE:<a class="ticker" href="https://www.benzinga.com/stock/SM#NYSE">SM</a>) price target from $64 to $60. TD Cowen analyst Gabe Daoud upgraded the stock from Hold to Buy. SM Energy shares closed at $44.62 on Monday. <a href="https://www.benzinga.com/quote/SM/analyst-ratings">See how other analysts view this stock</a>.</li>
</ul>
Considering buying MCD stock? Here&#8217;s what analysts think:
<figure class="wp-block-image size-large is-resized"><img loading="lazy" decoding="async" width="1024" height="505" src="https://editorial-assets.benzinga.com/wp-content/uploads/2024/10/15115425/image-119-1024x505.png" alt="" class="wp-image-596539" style="width:681px;height:auto" srcset="https://editorial-assets.benzinga.com/wp-content/uploads/2024/10/15115425/image-119-1024x505.png 1024w,https://editorial-assets.benzinga.com/wp-content/uploads/2024/10/15115425/image-119-300x148.png 300w,https://editorial-assets.benzinga.com/wp-content/uploads/2024/10/15115425/image-119-768x379.png 768w,https://editorial-assets.benzinga.com/wp-content/uploads/2024/10/15115425/image-119.png 1331w" sizes="(max-width: 1024px) 100vw, 1024px" /></figure>
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SPGI

VNOM

McDonald's To Rally Around 13%? Here Are 10 Top Analyst Forecasts For Tuesday

DA Davidson analyst Peter Heckmann maintains ACI Worldwide (NASDAQ:<a class="ticker" href="https://www.benzinga.com/stock/ACIW#NASDAQ">ACIW</a>) with a Buy and raises the price target from $52 to $57.

DA Davidson Maintains Buy on ACI Worldwide, Raises Price Target to $57

Digital banking is commonplace nowadays. Mobile banking is an essential offering for banks of all sizes to remain relevant against competitors. It&#39;s normal for customers to check their bank balances, deposit checks, make transfers, and even pay bills on their mobile banking apps. Q2 Holdings Inc. (NYSE: <a class="ticker" href="https://www.benzinga.com/stock/qtwo#NYSE">QTWO</a>) is a leading provider of digital banking solutions for banks and financial institutions. They provide the software to enable banks to offer digital banking for their customers.
Q2 operates in the computer and technology sector, competing with banking software providers, including Fiserv Inc. (NYSE: <a class="ticker" href="https://www.benzinga.com/stock/fi#NYSE">FI</a>), Jack Henry &amp; Associates Inc. (NASDAQ: <a class="ticker" href="https://www.benzinga.com/stock/jkhy#NASDAQ">JKHY</a>), nCino Inc. (NASDAQ: <a class="ticker" href="https://www.benzinga.com/stock/ncno#NASDAQ">NCNO</a>) and ACI Worldwide Inc. (NASDAQ: <a class="ticker" href="https://www.benzinga.com/stock/aciw#NASDAQ">ACIW</a>).
<h2>Q2 Holdings Portfolio of Services </h2>
While bank customers may take digital banking services for granted, banks have to handle the behind-the-scenes infrastructure to accommodate customer&#39;s needs. Q2 provides the software infrastructure through its cloud-based platform, providing a comprehensive suite of services, which include:
<ul>
<li>Consumer Retail Banking: Q2 enables financial institutions to offer online and mobile banking, from opening accounts and digital onboarding to paying bills, transferring funds, making mobile check deposits, and offering financial management tools.</li>
<li>Small and Medium-Sized Business (SMB) Banking: Q2 also offers SMB banking services, which include online payment processing, loan origination, cash flow analysis, business intelligence, expense management, and payroll.</li>
<li>Commercial Banking: Q2 Digital Banking has commercial banking features enabling ACT to instant payment rails, fraud detections, analytics, market-specific banking packages, reports, treasury onboarding and services, and integration with accounting systems. Q2 Interactive Test Drive enables commercial banking customers and prospects to try out the banking capabilities in a mock-up simulation of their environment.</li>
</ul>
Q2 plans to incorporate its generative artificial intelligence (AI) digital assistant, Andi Copilot, into its banking product portfolio and risk and fraud management platform.
<h2>Q2 Innovation Studio Enables Banks to Customize Their Digital Banking Offerings</h2>
Its Innovation Studio is a suite of tools that enable financial institutions to customize their digital banking offerings to their customers. It helps them rapidly deploy new functionalities and features. It&#39;s powered by over 1,000 integrations with the optionality to choose vendors and pre-integrated with over 150 of the best-in-class fintech partners. It offers hundreds of plug-and-play fintech integrations, including chatbots, credit scoring, payments, accounting, human resources, and payroll accounting. Q2 services 60% of the Forbes list of America&#39;s Best Banks and 40% of their Best Credit Unions list. &nbsp;
<h2>Solid Results for the Second Quarter of 2024</h2>
Q2 Holdings reported a Q2 2024 EPS of 38 cents, beating consensus estimates by 6 cents. Revenues rose 12% YoY to $173 million, beating consensus estimates by $1.9 million. Non-GAAP gross margin improved to 55.7%, up from 54.2% in the year-ago period. Adjusted EBITDA was $30 million, up from $17.6 million in the year-ago period.
Subscription annualized recurring revenue (ARR) grew 19% YoY to $644.9 million. Remaining performance obligations (RPO) or backlog totaled a record $426 million, up $38 million from last year. The company signed four Tier 1 digital banking contracts, a new Tier 1 bank utilizing its relationship pricing and treasuring pricing solutions, and an expansion with an Enterprise bank.
Q2 Holdings CEO Matt Flake commented, &quot;We&#39;ve had broad sales success for several consecutive quarters, highlighted by a mix of net new and expansion wins across our lines of business. We believe our sustained performance not only demonstrates our competitive differentiation and a strong demand environment but also the resilience of our customers and prospects in the current economic climate.&quot;
<h2>QTWO Stock Sets Up a Second Potential Bull Flag Pattern </h2>
A bull flag forms on the breakout through the upper descending parallel trendline resistance after the flagpole peak.
<img alt="Q2 Holdings QTWO stock chart" class="aligncenter" src="https://www.marketbeat.com/logos/articles/med_20240929174015_chartc-qtwo.jpg" style="height:753px; width:915px" />
QTWO triggered a bull flag breakout on the breakout through the $72.38 consensus price target to form another flagpole peaking at $82.72. The flag formed on the parallel descending trendlines, indicating lower highs and lower lows. A breakout through the upper descending trendline can trigger the bull flag. The daily anchored VWAP is at $73.70. The daily relative strength index (RSI) rose to the 62-band. Fibonacci (Fib) pullback support levels are at $74.24, $67.09, $64.07, and $61.42.
Q2 Holdings&#39; average consensus analyst price target is $72.38, and its highest analyst price target sits at $91.00. It has nine analyst Buy ratings and one Hold rating.
Actionable Options Strategies: QTWO is trading 8% above its consensus price target. Bullish investors can buy on pullbacks using cash-secured puts and write covered calls after being assigned to execute a wheel strategy for income.
The article &quot;<a href="https://www.marketbeat.com/stock-ideas/why-q2-holdings-stock-could-be-your-next-big-buy/">Why Q2 Holdings Stock Could Be Your Next Big Buy</a>&quot; first appeared on MarketBeat.

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ACI Worldwide, Inc. To Release Financial Results for the Quarter and Year End December 31, 2024

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