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EVERTEC (EVTC) investor relations material
EVERTEC Q3 2025 earnings summary
Complete event summary combining all related documents: earnings call transcript, report, and slide presentation.Q3 2025 earnings summary6 Nov, 2025
Executive summary
Q3 2025 revenue grew 8% year-over-year to $228.6 million, driven by organic growth and recent acquisitions, with adjusted EBITDA up 6% to $92.6 million and adjusted EPS up 7% to $0.92.
Net income attributable to common stockholders increased 33% to $32.9 million, or $0.51 per diluted share.
Leadership transitions included promotions to COO and CFO, ensuring continuity and enhanced oversight.
Cybersecurity incident in Brazil's PIX system was contained, with most funds recovered and limited financial exposure, though estimated liabilities were recognized.
Expansion in Latin America was bolstered by the completed acquisition of 75% of Tecnobank in Brazil.
Financial highlights
Q3 2025 revenue: $228.6 million (+8% YoY); adjusted EBITDA: $92.6 million (margin 40.5%); adjusted EPS: $0.92 (+7% YoY); operating cash flow for nine months: $157.0 million.
GAAP net income: $32.9 million; adjusted net income: $59.8 million (+8% YoY).
Liquidity at quarter-end: $518.6 million; cash and cash equivalents: $474.7 million.
Net debt at quarter end: $631.8 million; net debt/TTM adjusted EBITDA: 1.81x.
Weighted average interest rate: 6.24%, down 47 bps YoY.
Outlook and guidance
2025 revenue expected between $921 million and $927 million, representing 8.9%–9.6% growth; constant currency growth of 10%–11%.
Adjusted EPS guidance raised to $3.56–$3.62 (8.5%–10.4% growth); adjusted EBITDA margin expected at 40%.
Capital expenditures projected at $85 million; adjusted effective tax rate at 6%–7%.
2026 outlook includes a $14 million headwind from a 10% discount to Popular, offset by CPI escalators and continued LatAm momentum.
Board declared a regular quarterly dividend of $0.05 per share, with intent to continue regular dividends.
Tecnobank's role in Latin America growth strategy?
Drivers of Adjusted EBITDA margin decrease?
Which segments primarily drove the raised 2025 outlook?
Cyber incident: What is the net financial exposure?
LatAm: How do new wins shape future growth?
Popular discount: Segment impact in 2026?
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Frequently asked questions
EVERTEC Inc. is a provider of full-service transaction processing solutions in Puerto Rico, the Caribbean, and Latin America. The company offers a comprehensive range of services including merchant acquiring, payment services, and business process management. These services cater to a diverse clientele, helping to streamline the transaction process for businesses, merchants, corporations, and government agencies. The company is headquartered in San Juan, Puerto Rico, and its shares are listed on the New York Stock Exchange.
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