ACI Worldwide, Inc. (ACIW) vs Remitly Global, Inc. (RELY)

ACI Worldwide, Inc. and Remitly Global, Inc. are both Software Infrastructure companies. ACI Worldwide, Inc. is the larger, with a market value of $5.0B against $4.5B — 1.1× the size. Remitly Global, Inc. trades at the lower P/E: 14.8× against 22.5×. Remitly Global, Inc. grew revenue faster over the last twelve months: 23.8% against 7.03%. Remitly Global, Inc. has the higher net margin (16.9% vs 12.4%) and the higher return on invested capital (23.6% vs 9.84%). Across the 22 metrics below, Remitly Global, Inc. leads on 18 and ACI Worldwide, Inc. on 4.

Valuation

Metric ACIW RELY Software Infrastructure median
P/E 22.50 14.79 28.02
P/S 2.76 2.50 3.07
P/B 3.36 4.01 3.36
Price to free cash flow 17.65 12.05 17.12
EV/EBITDA 12.68 18.52 14.91
EV/Sales 3.12 2.21 3.03
Earnings yield 4.44% 6.76% 0.13%
Free cash flow yield 5.67% 8.30% 1.15%

Profitability

Metric ACIW RELY Software Infrastructure median
Gross margin 49.08% 61.46% 61.23%
Operating margin 18.61% 9.45% 0.00%
Net margin 12.40% 16.85% 0.00%
Free cash flow margin 15.64% 20.73% 1.67%
Return on equity 15.62% 32.25% 0.59%
Return on assets 7.24% 22.32% 0.00%
Return on invested capital 9.84% 23.57% 0.00%

Growth

Metric ACIW RELY Software Infrastructure median
Revenue growth (TTM) 7.03% 23.79% 13.41%
EPS growth (last fiscal year) 13.09% 263.16% —
Revenue growth, 5-year CAGR 6.34% 44.79% 15.81%
Net income growth, 5-year CAGR 25.55% 0.00% 0.00%

Health

Metric ACIW RELY Software Infrastructure median
Debt to equity 0.55 0.00 0.06
Current ratio 1.58 3.18 1.55
Net debt to EBITDA 1.42 (3.10) 0.08

Dividend

Metric ACIW RELY Software Infrastructure median
Dividend yield — — 1.53%
Payout ratio 0.00 0.00 0.00

Size

Metric ACIW RELY Software Infrastructure median
Market cap 5.01b 4.50b 835.96m

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