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EVTC

EVERTEC, Inc.

EVTC

EVERTEC, Inc. • NYSE
$28.90 ▼ -0.96% (-0.28)
Market Cap $1.85 B
52w High $38.56
52w Low $26.72
Dividend Yield 0.20%
P/E 12.79
Volume 239.31K
Outstanding Shares 63.98M

Income Statement

Period Revenue Operating Expense Net Income Net Profit Margin Earnings Per Share EBITDA
Q3-2025 $228.587M ▼ $37.678M ▼ $32.861M ▼ 14.376% ▼ $0 ▼ $78.398M ▼
Q2-2025 $229.607M ▲ $63.413M ▼ $40.465M ▲ 17.624% ▲ $0.63 ▲ $91.857M ▲
Q1-2025 $228.792M ▲ $64.683M ▲ $32.703M ▼ 14.294% ▼ $0.51 ▼ $85.124M ▼
Q4-2024 $216.395M ▲ $64.443M ▼ $40.062M ▲ 18.513% ▲ $0.63 ▲ $86.59M ▲
Q3-2024 $211.795M $67.757M $24.678M 11.652% $0.39 $79.273M

Balance Statement

Period Cash & Short-term Total Assets Total Liabilities Total Equity
Q3-2025 $499.736M ▲ $2.149B ▲ $1.441B ▲ $663.75M ▲
Q2-2025 $290.578M ▲ $1.961B ▲ $1.305B ▼ $612.33M ▲
Q1-2025 $265.864M ▼ $1.918B ▲ $1.332B ▼ $542.096M ▲
Q4-2024 $273.645M ▼ $1.858B ▼ $1.338B ▼ $472.524M ▼
Q3-2024 $275.359M $1.895B $1.349B $502.619M

Cash Flow Statement

Period Net Income Cash From Operations Cash From Investing Cash From Financing Net Change Free Cash Flow
Q3-2025 $0 ▼ $0 ▼ $0 ▲ $0 ▲ $0 ▼ $0 ▼
Q2-2025 $40.973M ▲ $48.485M ▲ $-20.356M ▲ $-12.78M ▲ $25.359M ▲ $28.454M ▲
Q1-2025 $33.091M ▼ $37.643M ▼ $-22.324M ▲ $-27.545M ▼ $-7.031M ▲ $15.368M ▼
Q4-2024 $40.667M ▲ $75.162M ▲ $-52.82M ▼ $-22.279M ▲ $-11.633M ▼ $56.562M ▲
Q3-2024 $26.232M $53.557M $-15.295M $-44.505M $-2.605M $40.061M

Revenue by Products

Product Q4-2023Q1-2024Q2-2024Q3-2024
Payment Processing
Payment Processing
 $10.00M ▲$10.00M ▲$10.00M ▲$10.00M ▲
Software Sale And Developments
Software Sale And Developments
 $0 ▲$0 ▲$10.00M ▲$10.00M ▲
Transaction Processing and Monitoring Fees
Transaction Processing and Monitoring Fees
 $0 ▲$0 ▲$10.00M ▲$0 ▼

Five-Year Company Overview

Income Statement

Income Statement Revenue has risen at a steady pace over the last five years, showing a healthy growth trajectory rather than a one‑off jump. Profitability at the gross and operating level has also improved, which suggests better scale, pricing, or cost control. That said, bottom‑line profit and earnings per share have been more volatile, with an unusually strong year earlier in the period followed by more normal, but still improved, results versus the early years. Overall, the business appears structurally profitable with expanding revenue, but its net income history reminds you that one‑time items and swings in margins can meaningfully affect reported earnings from year to year.

Balance Sheet

Balance Sheet The balance sheet shows a company that has grown in size while carrying a meaningful amount of debt. Total assets have increased over time, and equity has generally trended higher, which points to value being built in the business. Cash on hand has stayed relatively stable, not overly lean but not excessive either. Debt levels are significant compared with equity, implying the business uses leverage as part of its model. This can amplify returns when things go well but also raises sensitivity to interest costs and economic downturns, so the capital structure deserves ongoing attention.

Cash Flow

Cash Flow Cash generation is a key strength. Operating cash flow has been consistently positive and has gradually improved, indicating that reported earnings are backed by real cash. Free cash flow has also grown modestly, even as the company has steadily increased its investment in technology and infrastructure. Capital spending is meaningful but not aggressive relative to the cash the business generates. Overall, the profile is that of a stable cash producer with room to fund growth initiatives and financial obligations without stretching its cash resources.

Competitive Edge

Competitive Edge EVERTEC holds a strong position in the Latin American and Caribbean payments and financial technology space. Its ownership of the ATH payments network, deep local relationships, and understanding of regional regulations give it an embedded role in the financial system that is hard for new entrants to dislodge. The company’s “one‑stop‑shop” model for merchants, banks, corporates, and governments creates high switching costs and long‑term client stickiness. At the same time, it operates in a highly competitive, fast‑moving market where global payment giants and new fintechs are also targeting growth, and where regulatory shifts and macroeconomic instability in the region can create additional challenges.

Innovation and R&D

Innovation and R&D Innovation is clearly a strategic priority. EVERTEC is modernizing its platforms, moving clients from older systems to its own technology, and using artificial intelligence and machine learning to strengthen fraud detection. Acquisitions in cloud services, data analytics, and Brazilian fintech broaden its capabilities and give it more tools to serve customers across the full payments value chain. The push into mobile payments, digital wallets, and QR solutions aligns with the broader shift away from cash in the region. The main risks here are execution and integration of acquisitions, regulatory and ethical questions around AI, and the need to keep pace with rapid technological change while maintaining security and reliability.

Summary

EVERTEC combines steady top‑line growth, solid underlying profitability, and consistent cash generation with a balance sheet that leans on debt but is supported by rising equity. Its competitive moat rests on locally entrenched infrastructure, network effects, and mission‑critical services across Latin America and the Caribbean. The company is actively investing in innovation—particularly AI‑enhanced fraud tools, cloud, data analytics, and digital payments—backed by targeted acquisitions. Key things to watch are how well it manages leverage, maintains and deepens its network advantages amid intensifying competition, and executes on technology and geographic expansion without diluting its strong cash flow profile.

NEWS

November 6, 2025 · 4:05 PM UTC

EVERTEC Reports Third Quarter 2025 Results

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October 23, 2025 · 4:14 PM UTC

EVERTEC Declares Quarterly Dividend on Common Stock

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October 23, 2025 · 4:05 PM UTC

EVERTEC Announces Change of Third Quarter 2025 Financial Results Release Date

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October 22, 2025 · 4:05 PM UTC

EVERTEC to Announce Third Quarter 2025 Financial Results on November 5, 2025

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October 2, 2025 · 7:30 AM UTC

Evertec Announces CFO and COO Appointments

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