Slide 1: Fourth Quarter Earnings Conference Call
Fourth Quarter Earnings Conference Call February 26, 2026
Slide 2: Forward Looking Statements and Use of Non-GAAP Measures
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: 2025 Financial Highlights
2025 Financial Highlights Broad-based organic growth and disciplined cost execution across segments: ▪ Total Revenue $931.8 million, 10% increase, 11% on a constant currency basis Strong ▪ Adjusted EBITDA $373.4 million, 10% increase Results ▪ Adjusted EBITDA margin of 40.1% ▪ Adjusted EPS $3.62, 10
Slide 5: Puerto Rico Update
Puerto Rico Update ▪ Merchant Acquiring grew 5% YoY, driven by an increase in sales volume ▪ Payments Services Puerto Rico grew 4% YoY, driven by strong performance in ATH Movil Business and higher Segments POS transaction volume Update ▪ Business Solutions grew 3% YoY, driven by higher network and
Slide 6: Latin America Update
Latin America Update ▪ Revenue grew 22% YoY, driven by organic growth and reacceleration in Brazil Latin America ▪ Results benefited from Tecnobank, acquired during the fourth quarter, as well as tuck-in Segment acquisitions executed in the fourth quarter of 2024 Results ▪ Announced the plans to acq
Slide 7: Executing our Strategy through Innovation
E x e c u t i n g o u r S t r a t e g y t h r o u g h I n n o v a ti o n Governance and Responsible AI AI Embedded Products ▪ Data Security and privacy by design ▪ Risk management, fraud monitoring & credit decisioning ▪ Responsible IA principles ▪ AI-native credit scoring with Grandata ▪ Centralize
Slide 8: Financial Summary
Financial Summary Karla Cruz-Jusino, Chief Financial Officer
Slide 9: Consolidated Results Q4 2025 and Full-Year 2025
Consolidated Results Q4 2025 and Full-Year 2025 (in USD mm, except per share) Q4 2025 Y-o-Y % 2025 Y-o-Y % Revenue $244.8 13% $931.8 10% Adjusted EBITDA $98.8 11% $373.4 10% Adj. EBITDA margin 40.3% -60 bps 40.1% — Adjusted Net Income $59.5 6% $233.2 9% Adjusted EPS $0.93 7% $3.62 10% ▪ Revenue grow
Slide 10: Merchant Acquiring 2025
Merchant Acquiring 2025 (in USD mm) Q4 2025 Y-o-Y % 2025 Y-o-Y % Revenue $48.2 3% $189.9 5% Adjusted EBITDA $19.4 -3% $78.4 8% Adj. EBITDA margin 40.2% -250 bps 41.3% 110 bps ▪ Increase in revenue reflects a combination of higher sales volume and transactions driven by new merchants and existing cus
Slide 11: Payment Services PR and Caribbean 2025
Payment Services PR and Caribbean 2025 (in USD mm) Q4 2025 Y-o-Y % 2025 Y-o-Y % Revenue $56.4 3% $223.3 4% Adjusted EBITDA $30.3 -3% $124.7 3% Adj. EBITDA margin 53.7% -350 bps 55.8% -70 bps ▪ Revenue growth benefited from ATH Movil transactions and sales volume growth primarily in ATH Business, as
Slide 12: Latin America Payments and Solutions 2025
Latin America Payments and Solutions 2025 (in USD mm) Q4 2025 Y-o-Y % 2025 Y-o-Y % Revenue $109.3 40% $369.5 22% Adjusted EBITDA $34.9 39% $107.6 35% Adj. EBITDA margin 32.0% -30 bps 29.1% 280 bps ▪ Revenue benefited from a double-digit organic growth across the region, driven in part by the reaccel
Slide 13: Business Solutions 2025
Business Solutions 2025 (in USD mm) Q4 2025 Y-o-Y % 2025 Y-o-Y % Revenue $58.3 -7% $250.1 3% Adjusted EBITDA $20.6 -15% $93.9 -9% Adj. EBITDA margin 35.3% -370 bps 37.6% -450 bps ▪ Revenue decrease was primarily attributed to the 10% discount to Popular that began in October, partially offset by the
Slide 14: Corporate and Other 2025
Corporate and Other 2025 Q4 2025 Y-o-Y % 2025 Y-o-Y % (in USD mm) Adjusted EBITDA $(6.5) -47% $(31.2) -14% % of Total Revenues 2.7% -300 bps 3.3% -100 bps ▪ Corporate and Other Adjusted EBITDA as a percentage of total revenues of 2.7%. ▪ Improvement from the prior year driven in part by a $7.1 milli
Slide 15: Roll Forward of 2025 Cash Balance
Roll Forward of 2025 Cash Balance ($ in millions) Operating Activities $227.0 Debt (Net) & Other3 Ending Beginning $110.5 Balance2 ($91.5) FX Balance1 ($2.3) CAPEX $16.3 $348.1 Other $314.6 Investments Net ($82.1) ($144.4) Share Tecnobank Repurchases & Acquisition Dividends 12/31/2024 12/31/2025 (1)
Slide 16: Debt Summary
Debt Summary December 31, (in USD mm) 2025 2024 Unrestricted Cash $306.0 $273.6 Total Debt $1,111.9 $980.5 Term A Loan (2027 Maturity) S+175bps 405.7 429.6 Term B Loan (2030 Maturity) S+225bps 690.0 540.0 Revolver ($200M) S+175bps 10.0 - Other 6.2 10.9 EVTC Net Debt $805.9 $706.8 Lev. Ratio Net Debt
Slide 17: Outlook 2026
Outlook 2026 (in USD mm, except per share) Low High Total Revenue $1,024 $1,036 Growth, %(1) 9.9% 11.2% Growth, % constant currency(2) 8.7% 10.0% GAAP EPS – Diluted $2.43 $2.60 Adjusted EPS $3.84 $3.96 Growth, %(1) 6.1% 9.4% Growth, % constant currency(1) 4.7% 8.0% Capital Expenditures $90 Assumptio
Slide 18: Q&A
Q&A
Slide 19: Appendix
Appendix
Slide 20: 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 21: Reconciliation of GAAP to Non-GAAP Operating Results
Reconciliation of GAAP to Non-GAAP Operating Results Three months ended December 31, Year ended December 31, (Dollar amounts in thousands, except share data) 2025 2024 2025 2024 Revenue $244,832 $216,395 $931,818 $845,486 Currency Adjustment - Constant (1) (3,708) - 5,600 - Constant Currency Revenue
Slide 22: Reconciliation of Q4 2025 and Q4 2024 Segment Non-GAAP Results
Reconciliation of Q4 2025 and Q4 2024 Segment Non-GAAP Results Quarter ended December 31, 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 23: Reconciliation of 2025 and 2024 Segment Non-GAAP Results
Reconciliation of 2025 and 2024 Segment Non-GAAP Results Year ended December 31, 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 $ 223,266 $
Slide 24: 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) $1,024 to $1,036 $932 (1) Currency adjustment - constant ($11) ($11) Constant currency revenues (Non-GAAP) $1,013 $1,025 Earnings per Share (EPS) (GAAP) $2.43
Slide 25: gracias, thanks, obrigado!
gracias, thanks, obrigado! technology of the possible evertecinc.com