WallStSmart

ACI Worldwide Inc (ACIW)vsSonos Inc (SONO)

VS

Smart Verdict

WallStSmart Research — data-driven comparison

ACI Worldwide Inc generates 23% more annual revenue ($1.79B vs $1.46B). ACIW leads profitability with a 11.5% profit margin vs 1.6%. ACIW trades at a lower P/E of 22.9x. ACIW earns a higher WallStSmart Score of 50/100 (C-).

ACIW

Buy

50

out of 100

Grade: C-

Growth: 4.7Profit: 6.0Value: 6.7Quality: 6.5
Piotroski: 5/9Altman Z: 2.50

SONO

Hold

45

out of 100

Grade: D+

Growth: 6.0Profit: 4.0Value: 3.0Quality: 7.0
Piotroski: 3/9Altman Z: 2.04
IV

Intrinsic Value Comparison

Multi-model valuation · Graham Formula

ACIWUndervalued (+45.4%)

Margin of Safety

+45.4%

Fair Value

$73.85

Current Price

$42.80

$31.05 discount

UndervaluedFair: $73.85Overvalued
SONOSignificantly Overvalued (-34.6%)

Margin of Safety

-34.6%

Fair Value

$12.26

Current Price

$15.08

$2.82 premium

UndervaluedFair: $12.26Overvalued

Key Strengths & Concerns

Side-by-side fundamental analysis

Key Strengths

ACIW1 strengths · Avg: 8.0/10
Price/BookValuation
2.9x8/10

Reasonable price relative to book value

SONO2 strengths · Avg: 9.5/10
EPS GrowthGrowth
87.5%10/10

Earnings expanding 87.5% YoY

Debt/EquityHealth
0.159/10

Conservative balance sheet, low leverage

Areas to Watch

ACIW2 concerns · Avg: 3.0/10
PEG RatioValuation
1.784/10

Expensive relative to growth rate

EPS GrowthGrowth
-32.7%2/10

Earnings declined 32.7%

SONO4 concerns · Avg: 3.0/10
Market CapQuality
$1.88B3/10

Smaller company, higher risk/reward

Return on EquityProfitability
6.2%3/10

ROE of 6.2% — below average capital efficiency

Profit MarginProfitability
1.6%3/10

1.6% margin — thin

Piotroski F-ScoreQuality
3/93/10

Weak financial health signals

Comparative Analysis Report

WallStSmart Research

Bull Case : ACIW

The strongest argument for ACIW centers on Price/Book.

Bull Case : SONO

The strongest argument for SONO centers on EPS Growth, Debt/Equity.

Bear Case : ACIW

The primary concerns for ACIW are PEG Ratio, EPS Growth.

Bear Case : SONO

The primary concerns for SONO are Market Cap, Return on Equity, Profit Margin. A P/E of 92.8x leaves little room for execution misses. Thin 1.6% margins leave little buffer for downturns.

Key Dynamics to Monitor

SONO carries more volatility with a beta of 1.94 — expect wider price swings.

SONO is growing revenue faster at 8.4% — sustainability is the question.

ACIW generates stronger free cash flow (61M), providing more financial flexibility.

Monitor SOFTWARE - INFRASTRUCTURE industry trends, competitive dynamics, and regulatory changes.

Bottom Line

ACIW scores higher overall (50/100 vs 45/100). Both earn "Buy" and "Hold" ratings respectively — the choice depends on your investment horizon and risk tolerance.

This analysis is generated from publicly available financial data. Not financial advice.

ACI Worldwide Inc

TECHNOLOGY · SOFTWARE - INFRASTRUCTURE · USA

ACI Worldwide, Inc., a software company, develops, markets, installs and supports a variety of software products and solutions to facilitate electronic payments to banks, financial intermediaries, merchants and invoice issuers globally. The company is headquartered in Naples, Florida.

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Sonos Inc

TECHNOLOGY · CONSUMER ELECTRONICS · USA

Sonos, Inc. designs, develops, manufactures, and sells multi-room audio products in the Americas, Europe, the Middle East, Africa, and Asia Pacific. The company is headquartered in Santa Barbara, California.

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