Slide 1: Third Quarter Earnings Conference Call
Third Quarter Earnings Conference Call November 6, 2025
Slide 2: Forward Looking Statements
Foward Looking Statements Certain statements in this presentation constitute “forward-looking statements” within the meaning of, and subject to the protection of, the Private Securities Litigation Reform Act of 1995. We intend such forward-looking statements to be covered by the safe harbor provisio
Slide 3: Business Summary
Business Summary Mac Schuessler, President and CEO
Slide 4: Senior Leadership Update
Senior Leadership Update Promoted to Chief Operating Officer, served as Chief Financial Officer since 2018 Expanded responsibilities, now overseeing revenue and management across all Evertec’s commercial areas Brings proven financial stewardship and deep business understanding to the COO role
Slide 5: Q3 2025 Financial Highlights
Q3 2025 Financial Highlights Total Revenue of $228.6 million, or 8% growth and 8% constant currency growth Adjusted EBITDA $92.6 million, 6% growth Strong Results Adjusted EBITDA margin of 40.5% Adjusted EPS $0.92, 7% growth Delivered operating cash flow of approximately $157 million YTD C
Slide 6: Puerto Rico Update
Puerto Rico Update Merchant Acquiring grew 3% YoY, driven by an increase in sales volume Segments Payments PR grew 5% YoY, driven by strong performance in ATH Movil Business Update and higher POS transaction volume Business Solutions grew 1% YoY driven by completed projects during the quarter
Slide 7: Latin America Update
Latin America Update Revenue grew 19% YoY, 18% growth on a constant currency basis Segment Update Strong growth reflects strong organic growth, re-acceleration in Brazil and the contribution from the Grandata and Nubity acquisitions Signed a deal with Banco de Chile, one of the largest financi
Slide 8: Financial Summary
Financial Summary Joaquin Castrillo, Chief Operating Officer
Slide 9: Consolidated Results Q3 2025
Consolidated Results Q3 2025 (in USD mm, except per share) Q3 2025 Y-o-Y % Revenue $228.6 8% Adjusted EBITDA (1) $92.6 6% Adj. EBITDA margin 40.5% -80bps Adjusted Net Income (1) $59.8 8% Adjusted EPS (1) $0.92 7% Increase in revenue reflects strong organic growth across all Company’s segment and t
Slide 10: Merchant Acquiring Q3 2025
Merchant Acquiring Q3 2025 (in USD mm) Q3 2025 Y-o-Y % Revenue $46.8 3% Adjusted EBITDA(1) $18.6 2% Adj. EBITDA margin 39.8% -30bps Increase in revenue benefited from strong sales volume and transaction growth, partially offset by a slight decrease in spread. The margin decrease is attributed to
Slide 11: Payment Services, PR and Caribbean Q3 2025
Payment Services, PR and Caribbean Q3 2025 (in USD mm) Q3 2025 Y-o-Y % Revenue $55.2 5% Adjusted EBITDA(1) $29.9 5% Adj. EBITDA margin 54.1% 40bps Increase in revenue mainly driven by strong performance in in ATH Business and 7% growth in POS transactions. The increase in margin is primarily dri
Slide 12: Latin America Payments and Solutions Q3 2025
Latin America Payments and Solutions Q3 2025 (in USD mm) Q3 2025 Y-o-Y % Revenue $90.4 19% Adjusted EBITDA(1) $24.4 18% Adj. EBITDA margin 27.0% -30bps Revenue increased 18% on a constant currency basis, driven by organic growth across the region, a strong performance in Brazil, and the contributi
Slide 13: Business Solutions Q3 2025
Business Solutions Q3 2025 (in USD mm) Q3 2025 Y-o-Y % Revenue $61.7 1% Adjusted EBITDA(1) $25.1 -2% Adj. EBITDA margin 40.7% -100bps Revenue increase was primarily driven from projects completed during the quarter and an increase in hardware sales, partially offset by one-time credit to a managed
Slide 14: Corporate and Other Q3 2025
Corporate and Other Q3 2025 (in USD mm) Q3 2025 Y-o-Y % Adjusted EBITDA(1) ($5.4) -1% % of Total Revenue 2.4% Corporate and Other Adjusted EBITDA was 2.4% of total revenue, due to expense management initiatives executed throughout the year. (1) See Non-GAAP reconciliation summary in appendix, p.23
Slide 15: Rollforward Q3 2025 Cash Balance
Rollforward Q3 2025 Cash Balance Debt (Net) & Ending Operating Other3 Balance2 FX Activities Acquisition of $16.8 Beginning non-controlling $105.9 $507.9 Balance1 $157.0 interest ($13.3 ) $314.6 ($67.9 ) Share ($5.2 ) CAPEX Repurchases & Dividends (1) Includes ~$25M in restricted cash and ~$16M in s
Slide 16: Debt Summary
Debt Summary September 30, (in USD mm, except per share) 2025 2024 Unrestricted Cash $474.7 $275.4 Total Debt $1,106.5 $987.0 Term A Loan (2027 Maturity) S+175bps 411.7 435.6 S+225bps Term B Loan (2030 Maturity) S+175bps 540.0 540.0 Revolver ($200M) 150.0 - Deferred Consideration from Buss. Combinat
Slide 17: Outlook 2025
Outlook 2025 Karla Cruz-Jusino, Chief Financial Officer
Slide 18: Outlook 2025
Outlook 2025 (in USD mm, except per share) Low High Revenue $921 $927 Growth, % GAAP (1) 8.9% 9.6% Growth, % Constant Currency (2) 10.0% 11.0% Adjusted EPS $3.56 $3.62 Growth, % Adjusted EPS 8.5% 10.4% Growth, % Constant Currency (2) 9.6% 11.6% Capital Expenditures $85 Assumptions: Adjusted EBITDA M
Slide 19: Q&A
Q&A
Slide 20: Appendix
Appendix
Slide 21: Non-GAAP Reconciliation Summary
Non-GAAP Reconciliation Summary The non-GAAP measures referenced in this earnings release are supplemental measures of the Company’s performance and are not required by, or presented in accordance with, accounting principles generally accepted in the United States of America (“GAAP”). They are not m
Slide 22: Reconciliation of GAAP to Non-GAAP Operating Results
Reconciliation of GAAP to Non-GAAP Operating Results Three months ended September 30, (Dollar amounts in thousands, except share data) 2025 2024 Revenue $ 228,587 $ 211,795 (1) Currency Adjustment - Constant (654) - Constant Currency Revenue $ 227,933 $211,795 Net income $33,460 $25,202 Income tax (
Slide 23: Reconciliation of Q3 2025 and Q3 2024 Segments Non-GAAP Results
Reconciliation of Q3 2025 and Q3 2024 Segments Non- GAAP Results Quarter ended September 30, 2025 Payment Services - Latin America Puerto Rico & Payments and Merchant Business Total Reportable Corporate and (In thousands) Caribbean Solutions Acquiring, net Solutions Segments Other (1) Total Revenues
Slide 24: Outlook Summary and Non-GAAP Reconciliation
Outlook Summary and Non-GAAP R e c o n c i l i a t io n Actual 2025 Outlook 2024 (Dollar amounts in millions, except share data) Low High Revenues (GAAP) $921 to $927 $845 (1) Currency adjustment - constant $7 $7 Constant currency revenues (Non-GAAP) $928 $934 Earnings per Share (EPS) (GAAP) $2.27 t
Slide 25: Gracias, Thanks, Obrigado!
gracias, thanks, obrigado! technology of the possible evertecinc.com