ACI Worldwide (ACIW) Stock Forecast, Price Target & Predictions
ACIW Stock Forecast
ACI Worldwide stock forecast is as follows: an average price target of $42.17 (represents a -15.91% downside from ACIW’s last price of $50.15) and a rating consensus of 'Buy', based on 5 wall street analysts offering a 1-year stock forecast.
ACIW Price Target
The average price target for ACI Worldwide (ACIW) is $42.17 based on 1-year price targets from 5 Wall Street analysts in the past 3 months, with a price target range of $57.00 to $30.00. This represents a potential -15.91% downside from ACIW's last price of $50.15.
ACIW Analyst Ratings
According to 5 Wall Street analysts, ACI Worldwide's rating consensus is 'Buy'. The analyst rating breakdown for ACIW stock is 0 'Strong Buy' (0.00%), 3 'Buy' (60.00%), 2 'Hold' (40.00%), 0 'Sell' (0.00%), and 0 'Strong Sell' (0.00%).
ACI Worldwide Price Target by Analyst
| Date | Analyst | Company | Price Target | Price when Published | Price Target/Price when Published | Price Target/Last Closing Price |
|---|---|---|---|---|---|---|
| Oct 15, 2024 | Peter Heckmann | D.A. Davidson | $57.00 | $52.66 | 8.24% | 13.66% |
| Aug 02, 2024 | Jeff Cantwell | Seaport Global | $56.00 | $44.78 | 25.06% | 11.67% |
| Jul 23, 2024 | Peter Heckmann | D.A. Davidson | $48.00 | $42.85 | 12.02% | -4.29% |
| Mar 15, 2024 | Joseph Vafi | Canaccord Genuity | $40.00 | $31.83 | 25.67% | -20.24% |
| Mar 15, 2024 | Peter Heckmann | DA Davidson | $39.00 | $31.83 | 22.53% | -22.23% |
| Nov 02, 2022 | Mayank Tandon | Needham | $30.00 | $21.03 | 42.65% | -40.18% |
| Nov 02, 2022 | Mark Palmer | BTIG | $31.00 | $21.10 | 46.92% | -38.19% |
The latest ACI Worldwide stock forecast, released on Oct 15, 2024 by Peter Heckmann from D.A. Davidson, set a price target of $57.00, which represents a 8.24% increase from the stock price at the time of the forecast ($52.66), and a 13.66% increase from ACIW last price ($50.15).
ACI Worldwide Price Target by Period
| 1M | 3M | 12M | |
|---|---|---|---|
| # Anlaysts | 1 | 1 | 5 |
| Avg Price Target | $57.00 | $57.00 | $48.00 |
| Last Closing Price | $50.15 | $50.15 | $50.15 |
| Upside/Downside | 13.66% | 13.66% | -4.29% |
In the current month, the average price target of ACI Worldwide stock is $57.00, according to 1 Wall Street analyst offering twelve months forecast. The average price target represents a 13.66% increase as opposed to ACI Worldwide's last price of $50.15. This month's average price target is down 0.00% compared to last quarter, and up 18.75% compared to last year.
Analyst Ratings Upgrades/Downgrades
| Date | Company | Previous Rating | New Rating | Rating Change |
|---|---|---|---|---|
| Oct 18, 2024 | Stephens | - | Equal-Weight | Downgrade |
| Oct 15, 2024 | Scotiabank | Buy | Buy | Hold |
| Aug 02, 2024 | Seaport Global | Buy | Buy | Hold |
| May 01, 2024 | Jefferies | Buy | Buy | Hold |
| May 01, 2024 | Canaccord Genuity | Underperform | Underperform | Hold |
| Mar 15, 2024 | Canaccord Genuity | Underperform | Underperform | Hold |
| Mar 15, 2024 | Jefferies | Buy | Buy | Hold |
| Mar 01, 2024 | Canaccord Genuity | Buy | Buy | Hold |
| Nov 02, 2022 | Needham | Buy | Hold | Downgrade |
| Sep 02, 2022 | Needham | Buy | Buy | Hold |
ACI Worldwide's last stock rating was published by Stephens on Oct 18, 2024. The company Downgrade its ACIW rating from "null" to "Equal-Weight".
ACI Worldwide Financial Forecast
ACI Worldwide Revenue Forecast
| Dec 26 | Sep 26 | Jun 26 | Mar 26 | Dec 25 | Sep 25 | Jun 25 | Mar 25 | Dec 24 | Sep 24 | Jun 24 | Mar 24 | Dec 23 | Sep 23 | Jun 23 | Mar 23 | Dec 22 | Sep 22 | Jun 22 | Mar 22 | Dec 21 | Sep 21 | Jun 21 | Mar 21 | Dec 20 | Sep 20 | Jun 20 | Mar 20 | Dec 19 | Sep 19 | |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Revenue | - | - | - | - | - | - | - | - | - | - | - | - | $476.56M | $363.01M | $323.32M | $289.68M | $451.81M | $306.59M | $340.43M | $323.08M | $466.83M | $316.91M | $301.67M | $285.19M | $387.04M | $315.88M | $299.91M | $291.49M | $399.92M | $354.90M |
| Avg Forecast | $564.84M | $465.93M | $430.04M | $364.28M | $533.28M | $430.27M | $397.10M | $336.14M | $484.01M | $403.19M | $352.87M | $306.26M | $476.43M | $339.13M | $306.01M | $286.51M | $426.81M | $314.80M | $330.22M | $314.86M | $453.36M | $314.99M | $300.98M | $277.08M | $375.97M | $315.78M | $297.37M | $293.13M | $413.20M | $341.07M |
| High Forecast | $564.84M | $465.93M | $430.04M | $364.28M | $533.28M | $430.27M | $397.10M | $336.14M | $484.01M | $403.39M | $354.52M | $306.26M | $476.43M | $339.13M | $306.01M | $286.51M | $426.81M | $314.80M | $330.22M | $314.86M | $453.36M | $314.99M | $300.98M | $277.08M | $375.97M | $315.78M | $297.37M | $293.13M | $413.20M | $341.07M |
| Low Forecast | $564.84M | $465.93M | $430.04M | $364.28M | $533.28M | $430.27M | $397.10M | $336.14M | $484.01M | $402.99M | $351.22M | $306.26M | $476.43M | $339.13M | $306.01M | $286.51M | $426.81M | $314.80M | $330.22M | $314.86M | $453.36M | $314.99M | $300.98M | $277.08M | $375.97M | $315.78M | $297.37M | $293.13M | $413.20M | $341.07M |
| # Analysts | 2 | 2 | 2 | 2 | 1 | 1 | 1 | 1 | 2 | 4 | 2 | 1 | 3 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 13 | 7 | 7 | 9 | 8 | 6 |
| Surprise % | - | - | - | - | - | - | - | - | - | - | - | - | 1.00% | 1.07% | 1.06% | 1.01% | 1.06% | 0.97% | 1.03% | 1.03% | 1.03% | 1.01% | 1.00% | 1.03% | 1.03% | 1.00% | 1.01% | 0.99% | 0.97% | 1.04% |
ACI Worldwide's average Quarter revenue forecast for Mar 24 based on 1 analysts is $306.26M, with a low forecast of $306.26M, and a high forecast of $306.26M. ACIW's average Quarter revenue forecast represents a -35.73% decrease compared to the company's last Quarter revenue of $476.56M (Dec 23).
ACI Worldwide EBITDA Forecast
| Dec 26 | Sep 26 | Jun 26 | Mar 26 | Dec 25 | Sep 25 | Jun 25 | Mar 25 | Dec 24 | Sep 24 | Jun 24 | Mar 24 | Dec 23 | Sep 23 | Jun 23 | Mar 23 | Dec 22 | Sep 22 | Jun 22 | Mar 22 | Dec 21 | Sep 21 | Jun 21 | Mar 21 | Dec 20 | Sep 20 | Jun 20 | Mar 20 | Dec 19 | Sep 19 | |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| # Analysts | 2 | 2 | 2 | 2 | 1 | 1 | 1 | 1 | 2 | 4 | 2 | 1 | 3 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 13 | 7 | 7 | 9 | 8 | 6 |
| EBITDA | - | - | - | - | - | - | - | - | - | - | - | - | $163.21M | $57.29M | $1.50M | $10.06M | $183.41M | $82.98M | $64.53M | $67.28M | $201.31M | $65.86M | $55.78M | $41.09M | $148.41M | $76.30M | $75.07M | $19.24M | $147.84M | $93.70M |
| Avg Forecast | $141.91M | $117.06M | $108.05M | $91.52M | $133.99M | $108.11M | $99.77M | $84.45M | $121.61M | $101.30M | $88.66M | $87.22M | $119.70M | $85.21M | $76.88M | $79.29M | $230.57M | $79.09M | $82.97M | $72.09M | $113.90M | $79.14M | $75.62M | $65.74M | $94.46M | $79.34M | $74.71M | $15.44M | $103.82M | $85.69M |
| High Forecast | $141.91M | $117.06M | $108.05M | $91.52M | $133.99M | $108.11M | $99.77M | $84.45M | $121.61M | $101.35M | $89.07M | $104.67M | $119.70M | $85.21M | $76.88M | $95.15M | $276.68M | $79.09M | $82.97M | $86.50M | $113.90M | $79.14M | $75.62M | $78.89M | $94.46M | $79.34M | $74.71M | $18.53M | $103.82M | $85.69M |
| Low Forecast | $141.91M | $117.06M | $108.05M | $91.52M | $133.99M | $108.11M | $99.77M | $84.45M | $121.61M | $101.25M | $88.24M | $69.78M | $119.70M | $85.21M | $76.88M | $63.44M | $184.45M | $79.09M | $82.97M | $57.67M | $113.90M | $79.14M | $75.62M | $52.60M | $94.46M | $79.34M | $74.71M | $12.36M | $103.82M | $85.69M |
| Surprise % | - | - | - | - | - | - | - | - | - | - | - | - | 1.36% | 0.67% | 0.02% | 0.13% | 0.80% | 1.05% | 0.78% | 0.93% | 1.77% | 0.83% | 0.74% | 0.63% | 1.57% | 0.96% | 1.00% | 1.25% | 1.42% | 1.09% |
1 analysts predict ACIW's average Quarter EBITDA for Mar 24 to be $87.22M, with a high of $104.67M and a low of $69.78M. This is -46.56% lower than ACI Worldwide's previous annual EBITDA (Dec 23) of $163.21M.
ACI Worldwide Net Income Forecast
| Dec 26 | Sep 26 | Jun 26 | Mar 26 | Dec 25 | Sep 25 | Jun 25 | Mar 25 | Dec 24 | Sep 24 | Jun 24 | Mar 24 | Dec 23 | Sep 23 | Jun 23 | Mar 23 | Dec 22 | Sep 22 | Jun 22 | Mar 22 | Dec 21 | Sep 21 | Jun 21 | Mar 21 | Dec 20 | Sep 20 | Jun 20 | Mar 20 | Dec 19 | Sep 19 | |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| # Analysts | 2 | 2 | 2 | 2 | 1 | 1 | 1 | 1 | 2 | 4 | 2 | 1 | 3 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 13 | 7 | 7 | 9 | 8 | 6 |
| Net Income | - | - | - | - | - | - | - | - | - | - | - | - | $122.62M | $37.91M | $-6.71M | $-32.31M | $90.23M | $23.12M | $13.34M | $15.49M | $109.47M | $13.76M | $6.50M | $-1.95M | $67.15M | $15.87M | $14.07M | $-24.43M | $55.49M | $31.81M |
| Avg Forecast | $143.32M | $58.39M | $30.79M | - | $124.48M | $52.82M | $27.07M | $-1.86M | $96.61M | $44.94M | $7.13M | $20.08M | $102.77M | $12.95M | $-14.86M | $18.26M | $125.38M | $6.64M | $12.10M | $16.60M | $103.25M | $14.86M | $6.90M | $-3.11M | $57.11M | $16.99M | $-5.31M | $-19.61M | $88.12M | $36.45M |
| High Forecast | $143.32M | $58.39M | $30.79M | - | $124.48M | $52.82M | $27.07M | $-1.86M | $96.61M | $44.94M | $7.14M | $24.10M | $102.77M | $12.95M | $-14.86M | $21.91M | $150.46M | $6.64M | $12.10M | $19.92M | $103.25M | $14.86M | $6.90M | $-2.49M | $57.11M | $16.99M | $-5.31M | $-15.69M | $88.12M | $36.45M |
| Low Forecast | $143.32M | $58.39M | $30.79M | - | $124.48M | $52.82M | $27.07M | $-1.86M | $96.61M | $44.19M | $7.12M | $16.07M | $102.77M | $12.95M | $-14.86M | $14.60M | $100.31M | $6.64M | $12.10M | $13.28M | $103.25M | $14.86M | $6.90M | $-3.73M | $57.11M | $16.99M | $-5.31M | $-23.53M | $88.12M | $36.45M |
| Surprise % | - | - | - | - | - | - | - | - | - | - | - | - | 1.19% | 2.93% | 0.45% | -1.77% | 0.72% | 3.48% | 1.10% | 0.93% | 1.06% | 0.93% | 0.94% | 0.63% | 1.18% | 0.93% | -2.65% | 1.25% | 0.63% | 0.87% |
ACI Worldwide's average Quarter net income forecast for Mar 24 is $20.08M, with a range of $16.07M to $24.10M. ACIW's average Quarter net income forecast represents a -83.62% decrease compared to the company's last Quarter net income of $122.62M (Dec 23).
ACI Worldwide SG&A Forecast
| Dec 26 | Sep 26 | Jun 26 | Mar 26 | Dec 25 | Sep 25 | Jun 25 | Mar 25 | Dec 24 | Sep 24 | Jun 24 | Mar 24 | Dec 23 | Sep 23 | Jun 23 | Mar 23 | Dec 22 | Sep 22 | Jun 22 | Mar 22 | Dec 21 | Sep 21 | Jun 21 | Mar 21 | Dec 20 | Sep 20 | Jun 20 | Mar 20 | Dec 19 | Sep 19 | |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| # Analysts | 2 | 2 | 2 | 2 | 1 | 1 | 1 | 1 | 2 | 4 | 2 | 1 | 3 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 13 | 7 | 7 | 9 | 8 | 6 |
| SG&A | - | - | - | - | - | - | - | - | - | - | - | - | $58.99M | $59.26M | $64.76M | $66.82M | $61.46M | $63.31M | $63.75M | $60.48M | $70.70M | $63.13M | $60.60M | $55.91M | $76.66M | $59.15M | $54.21M | $66.01M | $58.05M | $57.70M |
| Avg Forecast | $105.24M | $86.81M | $80.13M | $67.87M | $99.36M | $80.17M | $73.99M | $62.63M | $90.18M | $75.12M | $65.75M | $78.41M | $88.77M | $63.19M | $57.02M | $71.28M | $80.98M | $58.65M | $61.53M | $64.80M | $84.47M | $58.69M | $56.08M | $89.46M | $70.05M | $58.84M | $55.41M | $52.99M | $76.99M | $63.55M |
| High Forecast | $105.24M | $86.81M | $80.13M | $67.87M | $99.36M | $80.17M | $73.99M | $62.63M | $90.18M | $75.16M | $66.05M | $94.09M | $88.77M | $63.19M | $57.02M | $85.54M | $97.17M | $58.65M | $61.53M | $77.76M | $84.47M | $58.69M | $56.08M | $107.35M | $70.05M | $58.84M | $55.41M | $63.59M | $76.99M | $63.55M |
| Low Forecast | $105.24M | $86.81M | $80.13M | $67.87M | $99.36M | $80.17M | $73.99M | $62.63M | $90.18M | $75.09M | $65.44M | $62.73M | $88.77M | $63.19M | $57.02M | $57.03M | $64.78M | $58.65M | $61.53M | $51.84M | $84.47M | $58.69M | $56.08M | $71.57M | $70.05M | $58.84M | $55.41M | $42.40M | $76.99M | $63.55M |
| Surprise % | - | - | - | - | - | - | - | - | - | - | - | - | 0.66% | 0.94% | 1.14% | 0.94% | 0.76% | 1.08% | 1.04% | 0.93% | 0.84% | 1.08% | 1.08% | 0.63% | 1.09% | 1.01% | 0.98% | 1.25% | 0.75% | 0.91% |
ACI Worldwide's average Quarter SG&A projection for Mar 24 is $78.41M, based on 1 Wall Street analysts, with a range of $62.73M to $94.09M. The forecast indicates a 32.93% rise compared to ACIW last annual SG&A of $58.99M (Dec 23).
ACI Worldwide EPS Forecast
| Dec 26 | Sep 26 | Jun 26 | Mar 26 | Dec 25 | Sep 25 | Jun 25 | Mar 25 | Dec 24 | Sep 24 | Jun 24 | Mar 24 | Dec 23 | Sep 23 | Jun 23 | Mar 23 | Dec 22 | Sep 22 | Jun 22 | Mar 22 | Dec 21 | Sep 21 | Jun 21 | Mar 21 | Dec 20 | Sep 20 | Jun 20 | Mar 20 | Dec 19 | Sep 19 | |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| # Analysts | 2 | 2 | 2 | 2 | 1 | 1 | 1 | 1 | 2 | 4 | 2 | 1 | 3 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 13 | 7 | 7 | 9 | 8 | 6 |
| EPS | - | - | - | - | - | - | - | - | - | - | - | - | $1.12 | $0.35 | $-0.06 | $-0.30 | $0.81 | $0.20 | $0.12 | $0.13 | $0.94 | $0.12 | $0.06 | $-0.02 | $0.57 | $0.14 | $0.12 | $-0.21 | $0.48 | $0.27 |
| Avg Forecast | $1.35 | $0.55 | $0.29 | - | $1.17 | $0.50 | $0.26 | $-0.02 | $0.91 | $0.42 | $0.07 | $-0.18 | $0.97 | $0.12 | $-0.14 | $-0.20 | $0.91 | $0.06 | $0.11 | $0.08 | $0.97 | $0.14 | $0.07 | $-0.12 | $0.54 | $0.16 | $-0.05 | $-0.07 | $0.83 | $0.34 |
| High Forecast | $1.35 | $0.55 | $0.29 | - | $1.17 | $0.50 | $0.26 | $-0.02 | $0.91 | $0.42 | $0.07 | $-0.18 | $0.97 | $0.12 | $-0.14 | $-0.20 | $0.91 | $0.06 | $0.11 | $0.08 | $0.97 | $0.14 | $0.07 | $-0.12 | $0.54 | $0.16 | $-0.05 | $-0.07 | $0.83 | $0.34 |
| Low Forecast | $1.35 | $0.55 | $0.29 | - | $1.17 | $0.50 | $0.26 | $-0.02 | $0.91 | $0.42 | $0.07 | $-0.18 | $0.97 | $0.12 | $-0.14 | $-0.20 | $0.91 | $0.06 | $0.11 | $0.08 | $0.97 | $0.14 | $0.07 | $-0.12 | $0.54 | $0.16 | $-0.05 | $-0.07 | $0.83 | $0.34 |
| Surprise % | - | - | - | - | - | - | - | - | - | - | - | - | 1.16% | 2.87% | 0.44% | 1.50% | 0.89% | 3.20% | 1.05% | 1.58% | 0.97% | 0.86% | 0.92% | 0.17% | 1.06% | 0.88% | -2.40% | 3.00% | 0.58% | 0.79% |
According to 1 Wall Street analysts, ACI Worldwide's projected average Quarter EPS for Mar 24 is $-0.18, with a low estimate of $-0.18 and a high estimate of $-0.18. This represents a -116.46% decrease compared to ACIW previous annual EPS of $1.12 (Dec 23).
ACI Worldwide Peer Comparison by Price Target
| Ticker | Company | Last Closing Price | Avg Price Target | Upside/Downside | Avg Rating |
|---|---|---|---|---|---|
| STER | Sterling Check | $16.74 | $26.00 | 55.32% | Hold |
| RELY | Remitly Global | $18.93 | $23.00 | 21.50% | Buy |
| EVCM | EverCommerce | $10.87 | $12.29 | 13.06% | Buy |
| CSGS | CSG Systems | $47.66 | $52.00 | 9.11% | Buy |
| NTCT | NetScout Systems | $20.35 | $22.00 | 8.11% | Hold |
| CCSI | Consensus Cloud Solutions | $23.57 | $25.00 | 6.07% | Buy |
| EVTC | EVERTEC | $33.02 | $28.00 | -15.20% | Sell |
| ACIW | ACI Worldwide | $50.15 | $42.17 | -15.91% | Buy |
ACIW Forecast FAQ
Is ACI Worldwide a good buy?
Yes, according to 5 Wall Street analysts, ACI Worldwide (ACIW) is considered a 'Buy'. The rating consensus is based on 0 'Strong Buy' and 3 'Buy' recommendations, accounting for 60.00% of ACIW's total ratings.
What is ACIW's price target?
ACI Worldwide (ACIW) average price target is $42.17 with a range of $30 to $57, implying a -15.91% from its last price of $50.15. The data is based on 5 Wall Street analysts who provided a twelve-month price target estimate in the last three months.
Will ACI Worldwide stock go up soon?
According to Wall Street analysts' prediction for ACIW stock, the company can go down by -15.91% (from the last price of $50.15 to the average price target of $42.17), up by 13.66% based on the highest stock price target, and down by -40.18% based on the lowest stock price target.
Can ACI Worldwide stock reach $80?
ACIW's average twelve months analyst stock price target of $42.17 does not support the claim that ACI Worldwide can reach $80 in the near future.
What is ACI Worldwide's current price target trend?
1 Wall Street analyst forecast a $57 price target for ACI Worldwide (ACIW) this month, up 13.66% from its last price of $50.15. Compared to the last 3 and 12 months, the average price target increased by 13.66% and decreased by -4.29%, respectively.
What are ACI Worldwide's analysts' financial forecasts?
ACI Worldwide's analysts financial forecasts for the fiscal year (Dec 2025) are as follows: average revenue is $1.7B (high $1.7B, low $1.7B), average EBITDA is $426.32M (high $426.32M, low $426.32M), average net income is $202.51M (high $202.51M, low $202.51M), average SG&A $316.15M (high $316.15M, low $316.15M), and average EPS is $1.91 (high $1.91, low $1.91). ACIW's analysts financial forecasts for the fiscal year (Dec 2026) are as follows: average revenue is $1.83B (high $1.83B, low $1.83B), average EBITDA is $458.55M (high $458.55M, low $458.55M), average net income is $232.5M (high $232.5M, low $232.5M), average SG&A $340.05M (high $340.05M, low $340.05M), and average EPS is $2.19 (high $2.19, low $2.19).
Did the ACIW's actual financial results beat the analysts' financial forecasts?
Based on ACI Worldwide's last annual report (Dec 2023), the company's revenue was $1.45B, beating the average analysts forecast of $1.41B by 3.16%. Apple's EBITDA was $191.51M, missing the average prediction of $361.09M by -46.96%. The company's net income was $121.51M, beating the average estimation of $119.11M by 2.01%. Apple's SG&A was $249.83M, missing the average forecast of $280.26M by -10.86%. Lastly, the company's EPS was $1.12, beating the average prediction of $0.75 by 49.33%. In terms of the last quarterly report (Dec 2023), ACI Worldwide's revenue was $476.56M, beating the average analysts' forecast of $476.43M by 0.03%. The company's EBITDA was $163.21M, beating the average prediction of $119.7M by 36.35%. ACI Worldwide's net income was $122.62M, beating the average estimation of $102.77M by 19.31%. The company's SG&A was $58.99M, missing the average forecast of $88.77M by -33.55%. Lastly, the company's EPS was $1.12, beating the average prediction of $0.968 by 15.70%