Slide 1: Second Quarter Earnings Conference call
Second Quarter Earnings Conference call July 30, 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: Q2 2025 Financial Highlights
Q2 2025 Financial Highlights Total Revenue of $229.6 million, or 8% growth and 10% constant currency growth Adjusted EBITDA $92.6 million, 8% growth Strong Results Adjusted EBITDA margin of 40.3% Adjusted EPS $0.89, 7% growth Delivered operating cash flow of approximately $86.1 million Cas
Slide 5: Puerto Rico Update
Puerto Rico Update Merchant Acquiring grew 4% YoY, driven by an improved spread and increased sales volume Segments performance Payments PR grew 4% YoY, driven by strength in ATH Movil Business and higher POS transaction volume Update Business Solutions grew 4% YoY driven by completed projects
Slide 6: Latin America Update
Latin America Update Revenue grew 15% YoY, 20% growth on a constant currency basis Segment Update Strong growth reflects double digit organic growth and the contribution from the Grandata and Nubity acquisitions Active pipeline should lead to business wins in 2025 Macro Update We remain vigi
Slide 7: Financial Summary
Financial Summary Joaquin Castrillo, Chief Financial Officer
Slide 8: Consolidated Results Q2 2025
Consolidated Results Q2 2025 (in USD mm, except per share) Q2 2025 Y-o-Y % Revenue $229.6 8% Adjusted EBITDA (1) $92.6 8% Adj. EBITDA margin 40.3% -30bps Adjusted Net Income (1) $57.7 7% Adjusted EPS (1) $0.89 7% The increase in revenue reflects strong organic growth across all of the Company’s se
Slide 9: Merchant acquiring Q2 2025
Merchant acquiring Q2 2025 (in USD mm) Q2 2025 Y-o-Y % Revenue $47.3 4% Adjusted EBITDA(1) $20.0 10% Adj. EBITDA margin 42.3% 200bps Increase in revenue driven by an improved spread, that benefitted from pricing initiatives that have lapsed, and sales volume growth. The margin increase is attrib
Slide 10: Payment Services, PR and Caribbean Q2 2025
Payment Services, PR and Caribbean Q2 2025 (in USD mm) Q2 2025 Y-o-Y % Revenue $56.4 4% Adjusted EBITDA(1) $33.0 5% Adj. EBITDA margin 58.5% 70bps Increase in revenue primarily driven by growth in ATH Movil Business and POS transactions, partially offset by a decrease in services provided to the L
Slide 11: Latin America Payments and Solutions Q2 2025
Latin America Payments and Solutions Q2 2025 (in USD mm) Q2 2025 Y-o-Y % Revenue $86.1 15% Adjusted EBITDA(1) $23.3 33% Adj. EBITDA margin 27.1% 370bps Revenue increased 20% on a constant currency basis, driven by organic growth, growth coming from our GetNet Chile relationship and the Brazil re-a
Slide 12: Business Solutions Q2 2025
Business Solutions Q2 2025 (in USD mm) Q2 2025 Y-o-Y % Revenue $64.5 4% Adjusted EBITDA(1) $26.0 -13% Adj. EBITDA margin 40.3% -750bps Revenue increase was primarily related to the tailwind from projects that went into production last year and an increase in IT consulting services. Margin decrea
Slide 13: Corporate and Other Q2 2025
Corporate and Other Q2 2025 (in USD mm) Q2 2025 Y-o-Y % Adjusted EBITDA(1) ($9.8) -9% % of Total Revenue 4.3% Corporate and Other Adjusted EBITDA was 4.3% of total revenue, below expectations due to expense management initiatives. (1) See Non-GAAP reconciliation summary in appendix, p.21. 13
Slide 14: Rollforward Q2 2025 Cash Balance
Rollforward Q2 2025 Cash Balance Operating Activities Beginning Acquisition of Balance1 $86.1 Ending non-controlling FX Balance2 $314.6 interest $15.2 $333.0 ($42.7 ) $5.2 CAPEX4 ($25.1 ) Debt (Net) & ($10.1 ) Other3 Repurchases & Dividends (1) Includes ~$25M in restricted cash and ~$16M in settleme
Slide 15: Debt Summary
Debt Summary June 30, (in USD mm, except per share) 2025 2024 Unrestricted Cash $290.6 $257.7 Total Debt $964.2 $993.0 Term A Loan (2027 Maturity) S+200bps 417.7 441.5 S+275bps Term B Loan (2030 Maturity) S+200bps 540.0 540.0 Revolver ($200M) - - Deferred Consideration from Buss. Combination 6.5 11.
Slide 16: Outlook 2025
Outlook 2025 (in USD mm, except per share) Low High Revenue $901 $909 Growth, % GAAP(1) 6.6% 7.6% Growth, % Constant Currency(2) 7.8% 8.7% Adjusted EPS $3.44 $3.52 Growth, % Adjusted EPS 4.8% 7.0% Growth, % Constant Currency(2) 6.3% 8.5% Capital Expenditures $85 Assumptions: Adjusted EBITDA Margin 3
Slide 17: Q&A
Q&A
Slide 18: Appendix
Appendix
Slide 19: 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 genera accepted in the United States of America (“GAAP”). They are not meas
Slide 20: 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 share data) 2025 2024 Revenue $ 229,607 $ 211,978 Currency Adjustment - Constant (1) 3,274 - Constant Currency Revenue $ 232,881 $211,978 Net income $40,973 $32,523 Income tax expens
Slide 21: Reconciliation of Q2 2025 and Q2 2024 Segments Non-GAAP Results
Reconciliation of Q2 2025 and Q2 2024 Segments Non- GAAP Results Quarter ended June 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 $ 56
Slide 22: Outlook Summary and Non-GAAP reconciliation
Outlook Summary and Non-GAAP reconciliation 2024 2025 Outlook Actual (Dollar amounts in millions, except share data) Low High Revenues (GAAP) $901 to $909 $845 (1) $10 $10 Currency adjustment - constant Constant currency revenues (Non-GAAP) $911 $919 Earnings per Share (EPS) (GAAP) $2.23 to $2.34 $1
Slide 23: gracias, thanks, obrigado!
gracias, thanks, obrigado! technology of the possible evertecinc.com