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ACI Worldwide ACIW Biller — Interchange

Similar metrics at other companies

Popular logo
BPOPInterchange Fees
$11.3M
Atlantic Union Bankshares logo
AUBInterchange Fees Net
$3.33M+12.8%
F.N.B. Corporation logo
FNBInterchange and card transaction fees
$13M+8.3%
HQY
HQYInterchange revenue — Total Cost of Revenue
$8.35M+7.3%
F.N.B. Corporation logo
FNBInsurance — Interchange and card transaction fees
$0
Cullen/Frost Bankers logo
CFRBank — Interchange and card transaction fees
$6.53M+20.9%

Other financials

Income statement

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Revenue$425.7M+7.9%
Gross profit$197.3M+8.9%
Operating income$57.5M-1.8%
Net income$38.3M-34.9%
EPS (diluted)$0.37-32.7%

Balance sheet

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Cash & equivalents$242.1M-34.0%
Total debt$836.6M-4.4%
Total equity$1.5B+1.2%
Total assets$3.1B-3.1%

Cash flow

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Operating cash flow$64.2M-17.9%
CapEx$3.0M+38.4%
Free cash flow$61.2M-19.5%

Valuation

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Market cap$4.48B-27.6%

Profitability

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Gross margin49%-2.3pp
Operating margin18.4%-3.0pp
Net margin11.5%-4.6pp
FCF margin16.5%-1.4pp

Returns & leverage

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Return on equity13.8%-5.9pp
Debt / equity0.6×0.0×
Current ratio1.5×0.0×

Where this comes from

Reported directly by ACI Worldwide in its filing.

Tagged under the XBRL concept aciw:InterchangeCosts.

The official record: ACI Worldwide’s 10-Q, filed May 7, 2026, on SEC EDGAR. View the filing →

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Questions, answered.

What is ACI Worldwide's biller — interchange?
ACI Worldwide (ACIW) reported biller — interchange of $146.23M in Q1 2026.
How has ACI Worldwide's biller — interchange changed year-over-year?
ACI Worldwide's biller — interchange increased by 11.8% year-over-year, from $130.83M to $146.23M.
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.