EVERTEC, Inc. (EVTC) SEC Filings & Earnings Calls
EquiReason read 17 EVERTEC, Inc. SEC filings in the last 12 months. Latest: 10-Q on 2026-08-06 — EVERTEC reported Q2 2026 revenue of $274.8M (+19.7% YoY) but net income dropped 86.6% to $5.4M due to impairment and higher tax; Segment Adjusted EBITDA grew 18.1%..
Source: SEC EDGAR filings · figures as of 2026-06-30 · read by EquiReason
- Market cap
- 1.9B
- P/E TTM
- 21.1
- Dividend yield
- 0.6%
- 52-week
- —
- Next earnings
- 3 Nov, in 10 days
Every filing, read
last 12 months · SECWhat happened, the numbers inside, guidance and risks. The original is one click away.
6 Aug 202610-QEVERTEC reported Q2 2026 revenue of $274.8M (+19.7% YoY) but net income dropped 86.6% to $5.4M due to impairment and higher tax; Segment Adjusted EBITDA grew 18.1%.earningsopen
Figures in the filing · each found in the filing text
| Revenue · Q2-2026 | $275M | +20% y/y |
| Net income attributable to EVERTEC, Inc. · Q2-2026 | $5M | -87% y/y |
| Diluted EPS · Q2-2026 | $0.09 | -86% y/y |
| Segment Adjusted EBITDA · Total Reportable Segments · Q2-2026 | $121M | +18% y/y |
| Operating cash flow · H1-2026 | $91M | +5% y/y |
| Latin America Payments and Solutions revenue · Latin America Payments and Solutions · Q2-2026 | $123M | +54% y/y |
| Latin America Payments and Solutions Segment Adjusted EBITDA · Latin America Payments and Solutions · Q2-2026 | $40M | +70% y/y |
| Revenue concentration - Popular · Q2-2026 | 24.0% |
Risks flagged
Customer concentration risk (Popular)
“Revenue concentration with a single customer, Popular, as a percentage of total revenues for the quarters ended June 30, 2026 and 2025 was approximately 24 % and 31 %, respectively.” · word for word
High effective tax rate volatility
“The effective tax rate for the three ... months ended June 30, 2026 was 74.7 % ... compared to 9.0 % ... primarily driven by discrete tax items, including taxes associated with a dividend distribution from a foreign subsidiary.” · word for word
Integration risk from acquisitions
“Goodwill increased by $151.9M from Dimensa acquisition; intangible assets increased by $69.7M.”
4 Aug 20268-K · 2.02, 8.01EVERTEC's Board increased share repurchase authorization to $150M (from $83M remaining), extending through Dec 2027; also raised FY2026 revenue and adjusted EPS guidance.open
Figures in the filing · each found in the filing text
| Total revenue · Q2-2026 | $275M | +20% y/y |
| Constant currency revenue · Q2-2026 | $266M | +16% y/y |
| GAAP Net Income attributable to common shareholders · Q2-2026 | $5M | -87% y/y |
| Adjusted EBITDA · Q2-2026 | $109M | +18% y/y |
| Adjusted EBITDA margin · Q2-2026 | 39.8% | |
| Adjusted Net Income · Q2-2026 | $65M | +12% y/y |
| Adjusted earnings per common share · Q2-2026 | $1.05 | +18% y/y |
| Share repurchases (quarter) · Q2-2026 | $47M |
Guidance
FY2026 revenue raised to $1,085-1,095M (growth 16.4%-17.5%) from previous 15.1%-16.4%; constant currency growth 14.5%-15.6%; Adjusted EPS raised to $3.94-$4.04 (growth 8.8%-11.7%) from previous.
EVERTEC raised FY2026 revenue and adjusted EPS guidance, reflecting strong H1 performance and positive outlook.
Risks flagged
GAAP net income significantly declined due to impairment charges, cybersecurity costs, and acquisition-related expenses.
“GAAP Net Income $5.4M vs $40.5M prior; driven by impairment charges, cybersecurity incident costs, and higher D&A.”
Business Solutions revenue contracted due to 10% discount to Popular, indicating dependency on key client.
“Business Solutions revenue contracted mainly as a result of the 10% discount to Popular that came into effect in the fourth quarter of 2025.” · word for word
23 Jul 20268-K · 7.01Quarterly dividend per share $0.05open
Figures in the filing · each found in the filing text
| Quarterly dividend per share · Q3-2026 | $0.05 |
9 Jun 20268-K · 8.01Disclosed a material event under other events (litigation, recall, contract loss, or major announcement); filed financial statements and exhibits with this reportopen
Risks flagged
Data breach via third-party platform may lead to regulatory fines, litigation, and reputational damage
“unauthorized party obtained... financial institution clients’ information... expects to incur expenses related to investigation and remediation”
20 May 20268-K · 1.01Evertec entered into a sixth amendment to its credit agreement, adding $185M in incremental term loan B commitments to repay revolving debt, increasing total term B loans to $875M.open
Figures in the filing · each found in the filing text
| Incremental Term Loan B | $185M | |
| Total Term B Loans outstanding | $875M |
Risks flagged
Increased term loan debt; total Term B Loans now $875M
“After giving effect to the incurrence of the 2026 Incremental TLB, the aggregate principal amount of Term B Loans outstanding is $875 million” · word for word
7 May 202610-QRevenue $248M (+8% y/y); Net income attributable to EVERTEC, Inc. $24M (-27% y/y); Segment Adjusted EBITDA $109M (+10% y/y)open
Figures in the filing · each found in the filing text
| Revenue · Q1-2026 | $248M | +8% y/y |
| Net income attributable to EVERTEC, Inc. · Q1-2026 | $24M | -27% y/y |
| Segment Adjusted EBITDA · Q1-2026 | $109M | +10% y/y |
| Operating cash flow · Q1-2026 | $31M | -17% y/y |
| Latin America Payments and Solutions revenue · Latin America Payments and Solutions · Q1-2026 | $102M | +30% y/y |
| Payment Services - Puerto Rico & Caribbean revenue · Payment Services - Puerto Rico & Caribbean · Q1-2026 | $38M | +2% y/y |
| Merchant Acquiring, net revenue · Merchant Acquiring, net · Q1-2026 | $48M | +2% y/y |
| Business Solutions revenue · Business Solutions · Q1-2026 | $60M | -9% y/y |
| Diluted EPS · Q1-2026 | $0.38 | -24% y/y |
Risks flagged
Foreign currency remeasurement losses
“Loss on foreign currency remeasurement $ 3,726 (2026) vs $ 833 (2025)”
Customer concentration
“Revenue concentration with a single customer, Popular, as a percentage of total revenues for the quarters ended March 31, 2026 and 2025 was approximately 26 % and 31 %, respectively.” · word for word
Integration risk from acquisitions
“On April 30, 2026, Evertec Brasil Informática S.A., a wholly-owned subsidiary of Evertec completed the previously announced purchase of 100 % ownership stake in Dimensa, a business-to-business technology provider serving financial institutions in Brazil. The aggregate purchase price was approximately R$ 981 million or approximately USD$ 197 million” · word for word
6 May 20268-K · 2.02Revenue $248M (+8% y/y); Constant currency revenue $241M (+5% y/y); GAAP Net Income attributable to common shareholders $24M (-27% y/y); Guidance: Revenue guidance raised from 9.9%-11.2% growth to 15.1%-16.4% growth; adjusted EPS guidance rearningsopen
Figures in the filing · each found in the filing text
| Revenue · Q1-2026 | $248M | +8% y/y |
| Constant currency revenue · Q1-2026 | $241M | +5% y/y |
| GAAP Net Income attributable to common shareholders · Q1-2026 | $24M | -27% y/y |
| GAAP diluted earnings per share · Q1-2026 | $0.38 | -24% y/y |
| Adjusted EBITDA · Q1-2026 | $97M | +9% y/y |
| Adjusted EBITDA margin · Q1-2026 | 39.1% | |
| Adjusted Net Income · Q1-2026 | $56M | -1% y/y |
| Adjusted earnings per common share · Q1-2026 | $0.90 | +3% y/y |
| Capital expenditures guidance (full year 2026) · FY2026 | $90M |
Guidance
Revenue guidance raised from 9.9%-11.2% growth to 15.1%-16.4% growth; adjusted EPS guidance raised from 6.1%-9.4% growth to 6.6%-9.9% growth
EVERTEC raised its full-year 2026 revenue and adjusted EPS guidance, citing the Dimensa acquisition and organic growth. Capex and tax rate guidance were reaffirmed. Management tone is positive, highlighting disciplined execution and strategic value of the acquisition.
Risks flagged
Business Solutions segment revenue decline due to discount to Popular and non-recurring prior year sale
“Business Solutions revenue decreased as a result of the 10% discount to Popular that came into effect in the fourth quarter of 2025, and a non-recurring hardware and software sale executed in the prior year.” · word for word
Higher SG&A and D&A from acquisitions pressuring GAAP net income
“The decrease was driven by higher selling, general and administrative expenses mainly related to professional fees, cash payment of contingent considerations related to prior acquisitions, as well as higher depreciation and amortization from intangible assets recognized in the recent acquisition.” · word for word
Higher adjusted effective tax rate due to growth in higher-tax Latin American jurisdictions
“driven primarily by a higher adjusted effective tax rate reflecting growth in Latin America jurisdictions with higher tax rates” · word for word
30 Apr 20268-K · 7.01Quarterly dividend per share $0.05open
Figures in the filing · each found in the filing text
| Quarterly dividend per share · Q2-2026 | $0.05 |
30 Apr 20268-K · 8.01Purchase price 197,000,000open
Figures in the filing · each found in the filing text
| Purchase price · Q2-2026 | $197M |
Risks flagged
Integration risk for Dimensa acquisition; cross-border execution in Brazil.
“Acquisition of Brazilian company; integration and currency risks.”
7 Apr 2026DEF 14AProxy statement for 2026 annual meeting; no material event.open
Figures in the filing · each found in the filing text
| Net income · FY2025 | $145M | |
| Adjusted EBITDA · FY2025 | $373M | +8% y/y |
2 Mar 202610-KRevenue attributable to Banco Popular 29; Technology investments over last five years $404M; Employees 5,327open
Figures in the filing · each found in the filing text
| Revenue attributable to Banco Popular · FY2025 | 29.0% | |
| Technology investments over last five years · FY2025 | $404M | |
| Employees · 2025-12-31 | 5,327 |
Risks flagged
Customer Concentration Risk
“For the year ended December 31, 2025, approximately 29% of our revenue was attributable to Banco Popular, a wholly-owned subsidiary of Popular.” · word for word
Cybersecurity Breach Risk
“In August 2025, Sinqia identified unauthorized activity in its environment of the Brazilian Central Bank real-time payment system known as Pix. Approximately R$710 million in unauthorized transactions affected two Sinqia customers.” · word for word
Regulatory Compliance Risk
“The Durbin Amendment currently has capped debit interchange that an issuer may receive... any future revisions may lower the maximum interchange fee which could impact our business.” · word for word
26 Feb 20268-K · 2.02, 8.01Total revenue $245M (+13% y/y); GAAP Net Income attributable to common shareholders $36M (-11% y/y); Adjusted EBITDA $99M (+12% y/y)earningsopen
Figures in the filing · each found in the filing text
| Total revenue · Q4-2025 | $245M | +13% y/y |
| GAAP Net Income attributable to common shareholders · Q4-2025 | $36M | -11% y/y |
| Adjusted EBITDA · Q4-2025 | $99M | +12% y/y |
| Adjusted earnings per common share · Q4-2025 | $0.93 | +7% y/y |
| Full year revenue · FY2025 | $932M | +10% y/y |
| Full year GAAP Net Income attributable to common shareholders · FY2025 | $142M | +26% y/y |
| Full year Adjusted EBITDA · FY2025 | $373M | +10% y/y |
| Full year Adjusted earnings per common share · FY2025 | $3.62 | +10% y/y |
Risks flagged
Higher depreciation and amortization from acquisitions impacting GAAP net income.
“The decrease was driven by higher depreciation and amortization from intangible assets recognized in recent acquisitions.” · word for word
Business Solutions segment revenue decreased due to discount to Popular.
“Business Solutions revenue decreased as a result of the 10% discount to Popular that came into effect in the fourth quarter of 2025.” · word for word
19 Feb 20268-K · 7.01Quarterly dividend per share $0.05open
Figures in the filing · each found in the filing text
| Quarterly dividend per share · Q1-2026 | $0.05 |
2 Feb 20268-K · 1.01, 7.01Evertec to acquire Dimensa for R$950M (~$181M), expanding into Brazil's insurance vertical and adding 15,000+ customers. Fourth Brazil acquisition. Expected close Q2 2026, subject to CADE approval.acquisitionopen
Figures in the filing · each found in the filing text
| Transaction value · Q2-2026 | $950M |
Risks flagged
Regulatory approval required from Brazil's CADE; integration risk of fourth Brazilian acquisition.
“subject to customary closing conditions, including approval by Brazil’s Administrative Council for Economic Defense (CADE)” · word for word
2 Dec 20258-K · 1.01Entered a material definitive agreement (acquisition, partnership, or major contract); filed financial statements and exhibits with this reportopen
Risks flagged
Debt covenant or term changes could affect financial flexibility.
“Amendment to credit agreement may alter borrowing terms or covenants.”
7 Nov 202510-QQ3 2025 revenue +8% YoY, net income +33% YoY; Pix cybersecurity incident disclosed.earningsopen
Figures in the filing · each found in the filing text
| Revenue · Q3-2025 | $229M | +8% y/y |
| Net income attributable to EVERTEC · Q3-2025 | $33M | +33% y/y |
| Operating cash flow · 9M-2025 | $157M | -15% y/y |
| Free cash flow · 9M-2025 | $89M | |
| Latin America Payments and Solutions revenue · Latin America Payments and Solutions · Q3-2025 | $83M | +18% y/y |
Risks flagged
Customer concentration
“Revenue concentration with a single customer, Popular, as a percentage of total revenues for the quarters ended September 30, 2025 and 2024 was approximately 29% and 32%, respectively.” · word for word
Cybersecurity incident
“On August 29, 2025, Sinqia ... identified unauthorized activity in its environment of the Brazilian Central Bank real-time payment system known as Pix.”
Foreign exchange exposure
“Foreign currency translation adjustments $92,799 gain for nine months ended Sep 30, 2025.”
6 Nov 20258-K · 2.02Revenue $229M (+8% y/y); GAAP Net Income attributable to common shareholders $33M (+33% y/y); Adjusted EBITDA $93M (+6% y/y); Guidance: Revenue guidance raised to $921-927M (prev 6.6-7.6% growth); EPS guidance raised to $3.56-3.62 (prev 4.8earningsopen
Figures in the filing · each found in the filing text
| Revenue · Q3-2025 | $229M | +8% y/y |
| GAAP Net Income attributable to common shareholders · Q3-2025 | $33M | +33% y/y |
| Adjusted EBITDA · Q3-2025 | $93M | +6% y/y |
| Adjusted earnings per common share · Q3-2025 | $0.92 | +7% y/y |
| Revenue guidance · FY2025 | $924M | +9% y/y |
| Capital expenditures guidance · FY2025 | $85M |
Guidance
Revenue guidance raised to $921-927M (prev 6.6-7.6% growth); EPS guidance raised to $3.56-3.62 (prev 4.8-7.0% growth)
Management raised full-year revenue and EPS guidance, citing organic growth and acquisition contribution; capex unchanged.
Risks flagged
Pix incident liability risk
“Recognition of estimated liabilities associated with potential contractual claims related to client losses from the Pix incident” · word for word
Cost pressure from software maintenance and cloud expenses
“Increases in software maintenance expense and cloud expenses” · word for word
EVERTEC, Inc. — questions
- What did EVERTEC, Inc. file recently?
- 17 SEC filings in the last 12 months. Latest: 10-Q on 2026-08-06 — EVERTEC reported Q2 2026 revenue of $274.8M (+19.7% YoY) but net income dropped 86.6% to $5.4M due to impairment and higher tax; Segment Adjusted EBITDA grew 18.1%.
Every figure on this page comes from EVERTEC, Inc.'s own SEC filings — see them on SEC EDGAR. Price data is licensed and shown only inside the product.
How these figures are read: methodology · EquiReason.