WallStSmart

ACI Worldwide Inc (ACIW)vsZepp Health Corp (ZEPP)

VS

Smart Verdict

WallStSmart Research — data-driven comparison

ACI Worldwide Inc generates 580% more annual revenue ($1.76B vs $258.90M). ACIW leads profitability with a 12.9% profit margin vs -15.5%. ACIW earns a higher WallStSmart Score of 59/100 (C).

ACIW

Buy

59

out of 100

Grade: C

Growth: 4.7Profit: 7.0Value: 6.7Quality: 7.0
Piotroski: 6/9Altman Z: 2.41

ZEPP

Hold

41

out of 100

Grade: D

Growth: 4.7Profit: 2.0Value: 6.7Quality: 5.0
IV

Intrinsic Value Comparison

Multi-model valuation · Graham Formula

ACIWUndervalued (+53.0%)

Margin of Safety

+53.0%

Fair Value

$85.77

Current Price

$43.60

$42.17 discount

UndervaluedFair: $85.77Overvalued
ZEPPUndervalued (+48.6%)

Margin of Safety

+48.6%

Fair Value

$46.70

Current Price

$17.47

$29.23 discount

UndervaluedFair: $46.70Overvalued

Key Strengths & Concerns

Side-by-side fundamental analysis

Key Strengths

ACIW2 strengths · Avg: 8.0/10
Price/BookValuation
2.9x8/10

Reasonable price relative to book value

Operating MarginProfitability
23.1%8/10

Strong operational efficiency at 23.1%

ZEPP2 strengths · Avg: 10.0/10
Price/BookValuation
1.3x10/10

Reasonable price relative to book value

Revenue GrowthGrowth
43.0%10/10

Revenue surging 43.0% year-over-year

Areas to Watch

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

Expensive relative to growth rate

EPS GrowthGrowth
-33.3%2/10

Earnings declined 33.3%

ZEPP4 concerns · Avg: 2.0/10
Market CapQuality
$247.54M3/10

Smaller company, higher risk/reward

Return on EquityProfitability
-17.2%2/10

ROE of -17.2% — below average capital efficiency

EPS GrowthGrowth
-68.1%2/10

Earnings declined 68.1%

Profit MarginProfitability
-15.5%1/10

Currently unprofitable

Comparative Analysis Report

WallStSmart Research

Bull Case : ACIW

The strongest argument for ACIW centers on Price/Book, Operating Margin.

Bull Case : ZEPP

The strongest argument for ZEPP centers on Price/Book, Revenue Growth. Revenue growth of 43.0% demonstrates continued momentum.

Bear Case : ACIW

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

Bear Case : ZEPP

The primary concerns for ZEPP are Market Cap, Return on Equity, EPS Growth.

Key Dynamics to Monitor

ACIW profiles as a value stock while ZEPP is a hypergrowth play — different risk/reward profiles.

ZEPP carries more volatility with a beta of 1.77 — expect wider price swings.

ZEPP is growing revenue faster at 43.0% — sustainability is the question.

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

Bottom Line

ACIW scores higher overall (59/100 vs 41/100). ZEPP offers better value entry with a 48.6% margin of safety. 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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Zepp Health Corp

TECHNOLOGY · CONSUMER ELECTRONICS · China

Zepp Health Corporation, an activity and biometric data-driven company, develops, manufactures and sells smart wearable technology devices in the People's Republic of China. The company is headquartered in Hefei, the People's Republic of China.

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