Slide 1: Second Quarter Earnings Conference Call
Se co nd Quar ter Ea r ni ngs C onfe r ence Call August 4, 2026
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 3
Slide 4: Executing Against Our Long-Term Strategy
S T R AT E G I C E X E C U T I O N A C R O S S T H E B U S I N E S S Executing Against Our Long-Term Strategy Strengthen EVERTEC’s position as a leading fintech and transaction processing platform across Latin America and the Caribbean. Organic Growth Strategic Acquisitions Disciplined Capital Alloc
Slide 5: Transbank: Expanding Our Strategic Role in Chile
S T R AT E G I C E X P A N S I O N · CHILE W H Y I T M AT T E R S Transbank: Expanding Our 1 Strategic client relevance Strategic Role in Chile. A leading payment solutions operator in Chile and one of the largest acquirers in Latin America “This collaboration with Transbank represents an opportunit
Slide 6: Dimensa: Early Integration Progress and Expanded Client Relevance
I N T E G R AT I O N I N P R O G R E S S · BRAZIL Dimensa: Early Integration Progress and Expanded Client Relevance H O W V A L U E I S C R E AT E D O V E R T I M E What Dimensa adds Executing • Acquisition of Dimensa, a B2B technology provider serving financial integration institutions in Brazil •
Slide 7: Disciplined M&A Expanding Our Financial Technology Platform
M & A S T R AT E G Y I N A C T I O N Disciplined M&A Expanding Our Financial Technology Platform B U I L D I N G T H E B R A Z I L F I N T E C H P L AT F O R M Our M&A approach remains disciplined and consistent Sinqia Tecnobank Dimensa BBChain Core financial Expanded Software for Blockchain, • Focu
Slide 8: AI Is Becoming a Broader Enabler of Efficiency, Innovation and Client Value
ARTIFICIAL INTELLIGENCE AI Is Becoming a Broader Enabler of Efficiency, Innovation and Client Value Governance-led adoption is focused on disciplined execution today, with longer-term opportunities to enhance revenue growth and profitability. Governance Framework Efficiency Innovation Client Service
Slide 9: Q2 2026 Financial Highlights
Q2 2026 Financial Highlights Broad-based organic growth and disciplined cost execution across segments: Total Revenue $274.8 million, 20% increase, 16% on a constant currency basis Strong Adjusted EBITDA $109.3 million, 18% increase Results Adjusted EBITDA margin of 39.8% Adjusted EPS $1.05,
Slide 10: Puerto Rico Update
Puerto Rico Update Merchant Acquiring grew 11% YoY, driven by an increase in sales volume, higher non-transactional revenues and an improvement in spread Segments Payments Services grew 8% YoY, driven by higher POS transaction volumes, continued growth in ATH Movil, Update primarily in ATH Movil
Slide 11: Latin America Update
Latin America Update Revenue grew 52% YoY, driven the contributions of recent acquisitions and continued organic growth across Segment the region. Revenue also benefited from approximately $9 million foreign exchange tailwind, primarily in Results Brazil On a constant-currency basis revenue grow
Slide 12: Financial Summary
Financial Summary Karla Cruz-Jusino, Chief Financial Officer 12
Slide 13: Consolidated Results Q2 2026
Consolidated Results Q2 2026 (in USD mm, except per share) Q2 2026 Y-o-Y % Revenue $274.8 20% Adjusted EBITDA $109.3 18% Adj. EBITDA margin 39.8% -50bps Adjusted Net Income $64.8 12% Adjusted EPS $1.05 18% Revenue growth driven by organic growth across most of the segments, contributions from acqu
Slide 14: Merchant Acquiring Q2 2026
Merchant Acquiring Q2 2026 (in USD mm) Q2 2026 Y-o-Y % Revenue $52.3 11% Adjusted EBITDA $21.8 9% Adj. EBITDA margin 41.7% -60bps Revenue growth was driven by higher sales volume and transaction activity from both new high-volume merchants and existing customers, as well as higher spreads and non-
Slide 15: Payment Services PR and Caribbean Q2 2026
Payment Services PR and Caribbean Q2 2026 (in USD mm) Q2 2026 Y-o-Y % Revenue $60.9 8% Adjusted EBITDA $36.9 12% Adj. EBITDA margin 60.6% 210bps Revenue growth was driven by double-digit growth in both volume and transactions in ATH Movil, particularly ATH Movil Business, strong POS transaction gr
Slide 16: Latin America Payments and Solutions Q2 2026
Latin America Payments and Solutions Q2 2026 (in USD mm) Q2 2026 Y-o-Y % Revenue $130.9 52% Adjusted EBITDA $39.7 70% Adj. EBITDA margin 30.3% 320bps Revenue growth was driven by the contribution from Tecnobank and Dimensa acquisitions, including Tecnobank’s expansion into two additional states in
Slide 17: Business Solutions Q2 2026
Business Solutions Q2 2026 (in USD mm) Q2 2026 Y-o-Y % Revenue $58.8 -9% Adjusted EBITDA $22.6 -13% Adj. EBITDA margin 38.3% -200bps Revenue decrease primarily driven by the 10% discount to Popular that began in October of prior year. Margin decrease reflects the impact of the discount to Popula
Slide 18: Corporate and Other Q2 2026
Corporate and Other Q2 2026 (in USD mm) Q2 2026 Y-o-Y % Adjusted EBITDA ($11.6) 18% % of Total Revenue 4.2% Corporate and Other Adjusted EBITDA as a percentage of total revenues of 4.2%. Refer to Non--GAAP reconciliation summary in the Appendix 18
Slide 19: Roll Forward Q2 2026 Cash Balance
Roll Forward Q2 2026 Cash Balance Operating Activities $90.7 Debt (Net) & Beginning Balance1 Other4 $150.9 Ending $348.1 ($47.8) FX Balance2 ($1.3) CAPEX $16.6 $304.2 Other Investments Net ($73.2) Share ($179.8) Repurchases & Dividends Dimensa Acquisition3 12/31/2025 06/30/2026 (1) Includes ~$24M in
Slide 20: Debt Summary
Debt Summary ($ in millions) 6/30/26 6/30/25 Unrestricted Cash $260.7 $290.6 Total Debt $1,306.1 $964.2 Term A Loan (2027 Maturity) S+200bps 393.8 417.7 Term B Loan (2030 Maturity) S+225bps 875.0 540.0 Revolver ($200M) S+200bps 35.0 - Other 2.3 6.5 EVTC Net Debt $1,045.5 $673.6 Lev. Ratio Net Debt(1
Slide 21: Outlook 2026
Outlook 2026 (in USD mm, except per share) Low High Total Revenue $1,085 $1,095 Growth, % reported 16.4% 17.5% Growth, % constant currency(1) 14.5% 15.6% GAAP EPS – Diluted $1.61 $1.73 Adjusted EPS $3.94 $4.04 Growth % reported 8.8% 11.7% Growth, % constant currency(1) 7.2% 10.0% Capital Expenditure
Slide 22: Q&A
Q&A 22
Slide 23: Appendix
Appendix 23
Slide 24: 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 25: Reconciliation of GAAP to Non-GAAP Operating Results
Reconciliation of GAAP to Non-GAAP Operating Results Three months ended June 30, (Dollar amounts in thousands, except per share data) 2026 2025 Revenue $ 274,820 $ 229,607 Currency Adjustment - Constant (1) (9,075) - Constant Currency Revenue $ 265,745 $229,607 Net income $6,877 $40,973 Income tax e
Slide 26: Reconciliation of Q2 2026 and Q2 2025 Segment Non-GAAP Results
Reconciliation of Q2 2026 and Q2 2025 Segment Non-GAAP Results Quarter ended June 30, 2026 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 $ 60,8
Slide 27: Outlook Summary and Non-GAAP Reconciliation
Outlook Summary and Non-GAAP Reconciliation Actual 2026 Outlook 2025 (Dollar amounts in millions, except share data) Low High Revenues (GAAP) $1,085 to $1,095 $932 (1) Currency adjustment - constant ($18) ($18) Constant currency revenues (Non-GAAP) $1,067 $1,077 Earnings per Share (EPS) (GAAP) $1.61
Slide 28: gracias, thanks, obrigado!
gracias, thanks, obrigado! technology of the possible evertecinc.com 28