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ACI Worldwide ACIW Biller — Interchange

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Other financials

Income statement

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Revenue$430.4M+7.3%
Gross profit$181.6M+9.1%
Operating income$44.6M+28.1%
Net income$31.8M+161%
EPS (diluted)$0.31+158%

Balance sheet

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Cash & equivalents$224.5M-24.9%
Total debt$849.5M-8.7%
Total equity$1.5B+7.4%
Total assets$3.1B-1.4%

Cash flow

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Operating cash flow$70.8M+42.2%
CapEx$6.9M+218%
Free cash flow$63.9M+34.2%

Valuation

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Market cap$5.42B+18.3%
Enterprise value$6.04B+16.0%
P/E24×+5.8×
P/S+0.3×

Profitability

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Gross margin49.1%-1.2pp
Operating margin18.6%-1.3pp
Net margin12.4%-2.4pp
FCF margin17.1%-0.2pp

Returns & leverage

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Return on equity15.6%-3.5pp
Debt / equity0.6×-0.1×
Current ratio1.6×+0.1×

Where this comes from

Reported directly by ACI Worldwide in its filing.

Tagged under the XBRL concept aciw:InterchangeCosts.

The source filing: ACI Worldwide’s 10-Q, filed August 6, 2026.

Filed
Aug 6, 2026, 10:16 AM EDT
Fiscal quarter
Q2 FY2026
Calendar quarter
Q2 2026
Accession
0000935036-26-000028
Line itemPayment SoftwareBillerTotal
Revenue$196,367$234,056$430,423
Less:
Interchange (a)165,629165,629
Global technology and innovation (b)71,00312,71483,717
Other segment items (c)31,75820,96852,726
Segment Adjusted EBITDA$93,606$34,745$128,351
Reconciliation of income before income taxes
Depreciation and amortization(23,998)

Item 1F. Financial Statements (unaudited)

FAQ

What is ACI Worldwide's biller — interchange?
ACI Worldwide (ACIW) reported biller — interchange of $165.63M in Q2 2026.
How has ACI Worldwide's biller — interchange changed year-over-year?
ACI Worldwide's biller — interchange increased by 9.6% year-over-year, from $151.06M to $165.63M.
What is the long-term trend for ACI Worldwide's biller — interchange?
Over 3 years (2022 to 2025), ACI Worldwide's biller — interchange has grown at a 10.9% compound annual growth rate (CAGR), from $406.61M to $554.59M.
What does biller — interchange mean?
Represents the costs associated with payment network fees and interchange expenses incurred by the Biller segment to facilitate transaction processing. Monitoring this metric is essential for understanding the direct cost of revenue and the impact of network fee structures on segment margins.

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