EVTC on NYSE

EVERTEC, Inc.

EVERTEC, Inc. is an American computer processing and data preparation services company.1 It is headquartered in Rio Piedras, Puerto Rico.1 Its shares trade on NYSE under the symbol EVTC.1

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Last updated Oct 21, 2026.

Overview

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  • TickerEVTC on NYSE1
  • IndustryServices-Computer Processing & Data Preparation1
  • HeadquartersRio Piedras, Puerto Rico1
  • Incorporated inPR2
  • Business addressCupey Center Building, Road 176, Km 1.3, Rio Piedras, Pr 009262
  • Filer categoryLarge accelerated filer2

Except as otherwise indicated or unless the context otherwise requires, (a) the terms “EVERTEC,” “we,” “us,” “our,” “our Company” and “the Company” refer to EVERTEC, Inc. and its subsidiaries on a consolidated basis and, (b) the term “EVERTEC Group” refers to EVERTEC Group, LLC and its predecessor entities and their subsidiaries on a consolidated basis. EVERTEC Inc.’s subsidiaries include Holdings, EVERTEC Group; EVERTEC Dominicana, SAS; Evertec Chile Holdings SpA; Evertec Chile SpA; Evertec Chile Global SpA; Evertec Chile Servicios Profesionales SpA; Paytrue S.A.; Caleidon; S.A.; Evertec Brasil Solutions Informática S.A. ("EVERTEC BR"); EVERTEC Panamá, S.A.; EVERTEC Costa Rica, S.A. (“EVERTEC CR”); Zunify Payments Ltda; EVERTEC Guatemala, S.A.; Evertec Colombia, SAS;, EVERTEC USA, LLC; OPG Technology Corp.; Evertec Placetopay, SAS ("PlacetoPay"); BBR Chile, SpA and BBR Perú, S.A.C.,(col…4 From its latest annual report

Financials

From the company’s reports to the SEC. Every number links to the filing it came from.

Key numbers, fiscal 2025

20.0%Operating margin5
15.2%Net margin5
10.2%Revenue growth, 20255
22.8%Return on equity5
1.69×Debt to equity5
$203.7MFree cash flow5

What sells

Revenue by product, business segment and region, as the company reports it to the SEC.

Business segments

Latin America Payments And Solutions brought in 32% of the revenue EVERTEC, Inc. broke down this way in fiscal 2025.

  1. Latin America Payments And Solutions$342.9M532%up 22% from 2024
  2. Business Solutions$250.1M523%up 3% from 2024
  3. Merchant Acquiring Net$189.9M518%up 5% from 2024
  4. Payment Services - Puerto Rico & Caribbean$148.9M514%up 7% from 2024
  5. Payment Processing - LATAM$142.6M513%up 9% from 2024
Business segments by year
Business segments202320242025
Latin America Payments And Solutions$169.4M$281.7M$342.9M
Business Solutions$227.0M$244.0M$250.1M
Merchant Acquiring Net$162.4M$180.5M$189.9M
Payment Services - Puerto Rico & Caribbean$136.0M$139.3M$148.9M
Payment Processing - LATAM$114.9M$130.8M$142.6M

Regions

PR brought in 61% of the revenue EVERTEC, Inc. broke down this way in fiscal 2025.

  1. PR$567.7M561%up 4% from 2024
  2. Latin America$342.9M537%up 22% from 2024
  3. Caribbean$21.2M52%up 5% from 2024
Regions by year
Regions202320242025
PR$505.2M$543.6M$567.7M
Latin America$169.4M$281.7M$342.9M
Caribbean$20.1M$20.2M$21.2M

Where the money goes

Where each dollar of revenue went, fiscal 2025

  • Selling, general and admin17¢$154.2M
  • Other costs67¢$626.2M
  • Income tax1¢$9.8M
  • Profit15¢$141.6M

Out of $931.8M in revenue.5

Where each dollar of operating cash went, fiscal 2025

  • Capital spending10¢$23.3M
  • Dividends paid6¢$12.8M
  • Share buybacks31¢$69.3M
  • Kept or used elsewhere54¢$121.6M

Out of $227.0M of cash from operations.5

Financial statements

Revenue67895$931.8M in 2025+91% since 2019
0$250.0M$500.0M$750.0M$1.0B2019: $487.4M$487.4M20192020: $510.6M$510.6M2020+5%2021: $589.8M$589.8M2021+16%2022: $618.4M$618.4M2022+5%2023: $694.7M$694.7M2023+12%2024: $845.5M$845.5M2024+22%2025: $931.8M$931.8M2025+10%
Operating income67895$186.4M in 2025+29% since 2019
0$50.0M$100.0M$150.0M$200.0M2019: $144.5M$144.5M20192020: $141.4M$141.4M2020−2%2021: $196.5M$196.5M2021+39%2022: $157.4M$157.4M2022−20%2023: $136.2M$136.2M2023−13%2024: $165.7M$165.7M2024+22%2025: $186.4M$186.4M2025+13%
Net income67895$141.6M in 2025+37% since 2019
0$100.0M$200.0M$300.0M2019: $103.5M$103.5M20192020: $104.4M$104.4M2020+1%2021: $161.1M$161.1M2021+54%2022: $239.0M$239.0M2022+48%2023: $79.7M$79.7M2023−67%2024: $112.6M$112.6M2024+41%2025: $141.6M$141.6M2025+26%

Every line of the income statement as filed: the last 3 fiscal years, latest first.5

Period ending2025-12-312024-12-312023-12-31
Revenues$931.8M$845.5M$694.7M
Cost of revenues, exclusive of depreciation and amortization shown below$469.1M$406.4M$336.8M
Selling, general and administrative expenses$154.2M$145.6M$128.2M
Depreciation and amortization$122.1M$127.8M$93.6M
Total operating costs and expenses$745.4M$679.8M$558.5M
Income from operations$186.4M$165.7M$136.2M
Interest income$15.0M$13.3M$8.5M
Interest expense-$68.3M-$74.7M-$32.3M
Gain (loss) on foreign currency remeasurement$592.0K-$5.2M-$8.3M
Loss on foreign currency swap$0$0-$24.1M
Earnings from equity investees$5.1M$4.3M$5.0M
Other income, net$15.5M$16.3M$367.0K
Total non-operating expenses-$32.1M-$46.0M-$50.8M
Income before income taxes$154.4M$119.6M$85.4M
Income tax expense$9.8M$4.8M$5.5M
Net income$144.6M$114.8M$79.9M
Less: Net income attributable to non-controlling interests$3.0M$2.2M$154.0K
Net income attributable to EVERTEC, Inc.s common stockholders$141.6M$112.6M$79.7M
Foreign currency translation adjustments$74.6M-$152.9M$38.3M
Loss on cash flow hedges-$6.6M-$74.0K-$3.6M
Unrealized gain (loss) on change in fair value of debt securities available-for-sale$20.0K-$7.0K-$15.0K
Other comprehensive income (loss), net of tax$68.0M-$152.9M$34.7M
Total comprehensive income (loss) attributable to EVERTEC, Inc.s common stockholders$209.6M-$40.3M$114.4M
Net income per common share - basic attributable to EVERTEC, Inc.s common stockholders (in dollar per share)$2.22$1.75$1.23
Net income per common share - diluted attributable to EVERTEC, Inc.s common stockholders (in dollar per share)$2.20$1.73$1.21
Other comprehensive (loss) income, tax-$1.7M-$519.0K-$598.0K

Compare EVERTEC, Inc. with another company

Corporate structure

EVERTEC, Inc. sits at the top of its group. 40 entities, 12 countries on record. Switch between the flow chart and the network, and select any entity to see its details.

Major holders of EVERTEC, Inc.

  • EVERTEC, Inc. Rio Piedras, Puerto Rico
    • BBR Perú S.A.C. Subsidiary · Peru
    • BBR SpA Subsidiary · Chile
    • Big Data Analytics SA Subsidiary · Argentina
    • Caleidón S.A. Subsidiary · Uruguay
    • Compliasset S.A. Subsidiary · Brazil
    • Evertec Brasil Informática S.A. Subsidiary · Brazil
    • Evertec Chile Global SpA Subsidiary · Chile
    • Evertec Chile Holdings SpA Subsidiary · Chile
    • Evertec Chile Servicios Profesionales SpA Subsidiary · Chile
    • Evertec Chile SpA Subsidiary · Chile
    • Evertec Colombia, SAS Subsidiary · Colombia
    • EVERTEC Costa Rica, S.A. Subsidiary · Costa Rica
    • EVERTEC Dominicana, SAS Subsidiary · Dominican Republic
    • EVERTEC Group, LLC Subsidiary · Puerto Rico, United States
    • EVERTEC Guatemala, S.A. Subsidiary · Guatemala
    • EVERTEC Intermediate Holdings, LLC Subsidiary · Puerto Rico, United States
    • EVERTEC México Servicios de Procesamiento, S.A. de C.V. Subsidiary · Mexico
    • EVERTEC Panamá, S.A. Subsidiary · Panama
    • Evertec PlacetoPay, S.A.S. Subsidiary · Colombia
    • EVERTEC USA, LLC Subsidiary · Delaware, United States
    • Grandata Mexico, S.A. de C.V. Subsidiary · Mexico
    • Grandata USA, LLC Subsidiary · Delaware, United States
    • Grandata, LLC Subsidiary · Delaware, United States
    • Homie do Brasil Informática S.A. Subsidiary · Brazil
    • Issuer Holding Ltda. Subsidiary · Brazil
    • and 14 more

Built from subsidiaries listed in Exhibit 21 of annual reports filed with the SEC; major holders from Schedules 13D and 13G. Each entity in the chart links to its source.

What it owns

What EVERTEC, Inc. reports owning in its annual reports to the SEC: buildings, land and equipment, real estate and locations, investments, intangible assets and inventory, at the end of its latest fiscal year and a year before.

Property and equipment

ItemLatestA year beforeChange
Land and buildings$1.5M5 Dec 31, 2025$1.5M5 Dec 31, 2024+2.2%
Accumulated depreciation$116.6M5 Dec 31, 2025$146.2M5 Dec 31, 2024−20.3%
Property and equipment, net$64.4M5 Dec 31, 2025$62.1M5 Dec 31, 2024+3.7%
Operating-lease assets (leased space)$38.2M5 Dec 31, 2025$10.1M5 Dec 31, 2024+277.2%

Real estate and locations

ItemLatestA year beforeChange
Countries it operates in265 Dec 31, 2025269 Dec 31, 20240%

Investments

ItemLatestA year beforeChange
Cash and cash equivalents$306.0M5 Dec 31, 2025$273.6M5 Dec 31, 2024+11.8%
Stakes in other companies (equity method)$30.1M5 Dec 31, 2025$29.5M5 Dec 31, 2024+2.2%

Intangibles and goodwill

ItemLatestA year beforeChange
Goodwill$892.0M5 Dec 31, 2025$726.9M5 Dec 31, 2024+22.7%
Finite-lived intangibles, gross$1.2B5 Dec 31, 2025$1.1B5 Dec 31, 2024+8.8%
Accumulated amortization$682.6M5 Dec 31, 2025$704.9M5 Dec 31, 2024−3.2%
Finite-lived intangibles, net$553.1M5 Dec 31, 2025$430.9M5 Dec 31, 2024+28.4%

Properties, in its own words

Our principal operations are conducted in Puerto Rico. Our principal executive offices are leased and located at Cupey Center Building, Road 176, Kilometer 1.3, San Juan, Puerto Rico 00926.

We own two properties, one in Costa Rica, in the province of San Jose, which is used by our Costa Rican subsidiary for its payment services business, and one in Tupã, Brazil, which is used by Sinqia for their commercial business. We also lease space in 24 other locations across Latin America and the Caribbean, including various data centers and office facilities to meet our sales and operating needs. We believe that our properties are in good operating condition and adequately serve our current business operations. We also anticipate that suitable additional or alternative space, including those under lease options, will be available at commercially reasonable terms for future expansion.

Item 2 of the 10-K filed Mar 2, 2026.4

Leadership

Who has led EVERTEC, Inc., and when. Pick a name to see everywhere that person has worked.

Board members and other officers (35)

Subsidiaries and ownership

Subsidiaries (Exhibit 21)

  • BBR Perú S.A.C. Peru3
  • BBR SpA Chile3
  • Big Data Analytics SA Argentina3
  • Caleidón S.A. Uruguay3
  • Compliasset S.A. Brazil3
  • EVERTEC Costa Rica, S.A. Costa Rica3
  • EVERTEC Dominicana, SAS Dominican Republic3
  • EVERTEC Group, LLC Puerto Rico3
  • EVERTEC Guatemala, S.A. Guatemala3
  • EVERTEC Intermediate Holdings, LLC Puerto Rico3
  • EVERTEC México Servicios de Procesamiento, S.A. de C.V. Mexico3
  • EVERTEC Panamá, S.A. Panama3
  • EVERTEC USA, LLC Delaware3
  • Evertec Brasil Informática S.A. Brazil3
  • Evertec Chile Global SpA Chile3
  • Evertec Chile Holdings SpA Chile3
  • Evertec Chile Servicios Profesionales SpA Chile3
  • Evertec Chile SpA Chile3
  • Evertec Colombia, SAS Colombia3
  • Evertec PlacetoPay, S.A.S. Colombia3
  • Grandata Mexico, S.A. de C.V. Mexico3
  • Grandata USA, LLC Delaware3
  • Grandata, LLC Delaware3
  • Homie do Brasil Informática S.A. Brazil3
All 39 listed subsidiaries
  • Issuer Holding Ltda. Brazil3
  • Issuer Instituição de Pagamentos Ltda Brazil3
  • Lote 45 Participações S.A. Brazil3
  • Nubity Cloud, S.A.P.I. de C.V. Mexico3
  • Nubity S.R.L. Argentina3
  • Nubity, LLC Delaware3
  • OPG Technology Corp. Puerto Rico3
  • Paysmart Pagamentos Electrônicos Ltda Brazil3
  • Paytrue S.A. Uruguay3
  • Rosk Software S.A. Brazil3
  • Sinqia S.A. Brazil3
  • Sinqia Tecnologia Ltda. Brazil3
  • Tecnobank Tecnologia Bancária S.A. Brazil3
  • Torq. Inovação Digital Ltda Brazil3
  • Zunify Payments Ltda. Costa Rica3

The subsidiaries the company lists in Exhibit 21 of its annual report, as filed.

Timeline

  1. Aug 4, 20268-K Results of operations; Other events56
  2. Jul 23, 20268-K Regulation FD disclosure57
  3. Jun 9, 20268-K Other events58
  4. May 21, 20268-K Shareholder vote59
  5. May 20, 20268-K Entered a material agreement60
  6. May 6, 20268-K Results of operations61
  7. Apr 30, 20268-K Regulation FD disclosure62
  8. Apr 30, 20268-K Other events63
  9. Feb 26, 20268-K Results of operations; Other events64
  10. Feb 19, 20268-K Regulation FD disclosure65
  11. Feb 2, 20268-K Entered a material agreement; Regulation FD disclosure66
  12. Dec 2, 20258-K Entered a material agreement67
  13. Apr 6, 2015New chief executive Morgan M. Schuessler becomes CEO14
  14. Jan 2, 2015New chief executive Frank G. D'Angelo becomes CEO13

Calendar

Coming up

  1. Nov 5, 2026Reports results for the quarter ending Sep/2026 A year earlier it reported $0.82 a share, on Nov 6, 2025.68

When it reported results

  1. Aug 4, 2026Reported quarterly or annual results56
  2. May 6, 2026Reported quarterly or annual results61
  3. Feb 26, 2026Reported quarterly or annual results64
  4. Nov 6, 2025Reported quarterly or annual results69
  5. Jul 30, 2025Reported quarterly or annual results70
  6. May 7, 2025Reported quarterly or annual results71
  7. Feb 26, 2025Reported quarterly or annual results72
  8. Nov 6, 2024Reported quarterly or annual results73

Upcoming dates from Nasdaq's calendar; past results from the company's 8-K filings (Item 2.02). The full markets calendar

Filings

355 filings to the SEC since October 2021: 5 annual reports, 15 quarterly reports, 62 major events, 190 insider forms, 32 large holders, 51 other. The latest 20:

  1. Sep 8, 20264 PRIMARY DOCUMENT EDGAR
  2. Aug 31, 20264 PRIMARY DOCUMENT EDGAR
  3. Aug 24, 20264 PRIMARY DOCUMENT EDGAR
  4. Aug 14, 2026144 EDGAR
  5. Aug 14, 20264 PRIMARY DOCUMENT EDGAR
  6. Aug 13, 20264 PRIMARY DOCUMENT EDGAR
  7. Aug 13, 20264 PRIMARY DOCUMENT EDGAR
  8. Aug 12, 2026144 EDGAR
  9. Aug 10, 2026144 EDGAR
  10. Aug 6, 202610-Q EDGAR
  11. Aug 4, 20268-K EDGAR
  12. Jul 23, 20268-K EDGAR
  13. Jun 12, 20264 PRIMARY DOCUMENT EDGAR
  14. Jun 9, 20268-K EDGAR
  15. Jun 3, 20264 PRIMARY DOCUMENT EDGAR
  16. May 26, 20264 PRIMARY DOCUMENT EDGAR
  17. May 26, 20264 PRIMARY DOCUMENT EDGAR
  18. May 26, 20264 PRIMARY DOCUMENT EDGAR
  19. May 26, 20264 PRIMARY DOCUMENT EDGAR
  20. May 26, 20264 PRIMARY DOCUMENT EDGAR

The 355 filings since October 2021 can be filtered by form type and year here when JavaScript is on.

Every filing from the last five years, summarized. The full record is on SEC EDGAR.

Insider trades

54 open-market trades by officers, directors and large owners since October 2021: 5 buys and 49 sales. Grants, option exercises and gifts are left out.

DateWhoTradeSharesPriceValueFiling
Sep 3, 2026Polak Aldo J.DirectorSale1,094$30.37$33.2KForm 4
Aug 28, 2026Polak Aldo J.DirectorSale1,000$30.09$30.1KForm 4
Aug 21, 2026Polak Aldo J.DirectorSale1,000$29.80$29.8KForm 4
Aug 14, 2026Perez-Surillo PaolaExecutive Vice PresidentSale17,486$31.56$551.9KForm 4
Aug 12, 2026Viglianco DiegoEVP & CIOSale27,570$30.32$835.9KForm 4
Aug 11, 2026Polak Aldo J.DirectorSale1,000$29.50$29.5KForm 4
Jun 12, 2026SMITH BRIAN JOHNDirectorBuy16,202$26.42$428.1KForm 4
May 11, 2026Vizcarrondo MiguelExecutive Vice PresidentBuy21,000$23.37$490.8KForm 4
May 8, 2026Castrillo-Salgado Joaquin A.Senior EVP & COOBuy20,000$22.74$454.7KForm 4
May 8, 2026D'ANGELO FRANK G.DirectorBuy20,000$23.40$468.0KForm 4
May 7, 2026Rodriguez-Gonzalez Luis AGeneral Counsel & EVPBuy17,000$24.10$409.7KForm 4
Jun 20, 2025Polak Aldo J.DirectorSale2,243$35.72$80.1KForm 4
May 23, 2025Pagan IvanDirectorSale6,852$36.65$251.1KForm 4
May 14, 2025Brignardello DanielExecutive Vice PresidentSale7,641$36.60$279.7KForm 4
May 12, 2025Vizcarrondo MiguelExecutive Vice PresidentSale40,000$36.44$1.5MForm 4
May 9, 2025Rodriguez-Gonzalez Luis AGeneral Counsel & EVPSale18,898$35.69$674.5KForm 4
Mar 7, 2025Perez-Surillo PaolaExecutive Vice PresidentSale14,585$37.15$541.8KForm 4
Mar 7, 2025Viglianco DiegoEVP & CIOSale23,996$36.98$887.4KForm 4
Mar 7, 2025Cruz KarlaEVP & CFOSale2,000$36.77$73.5KForm 4
Mar 6, 2025Schuessler Morgan MPresident & CEOSale80,000$37.45$3.0MForm 4

All 54 trades can be filtered by person here when JavaScript is on.

From Forms 4 filed with the SEC.

Major holders

Investors who own more than 5% of the shares must tell the SEC: a 13D if they may seek to influence the company, a 13G if they hold passively.

Executive pay

What the company paid its top executives, from the summary compensation table in its proxy statement. Total pay includes salary, bonus, stock and option awards and other pay, as the company valued them.

YearExecutiveAgeSalaryTotal pay
2025Morgan M. Schuessler, Jr.President and CEO$857.0K$9.2M85
2025Joaquín A. CastrilloSenior Executive Vice President and COO$473.5K$3.1M85
2025Diego VigliancoExecutive Vice President and CIO$470.5K$2.9M85
2025Luis A. RodríguezExecutive Vice President$411.3K$2.1M85
2025Paola Pérez**Executive Vice President$411.3K$2.1M85
2025Karla Cruz Jusino*Executive Vice President, CFO and Treasurer$266.6K$917.0K85
2024Morgan M. Schuessler, Jr.President and CEO$844.5K$9.0M85
2024Joaquín A. CastrilloSenior Executive Vice President and COO$456.8K$2.7M85
2024Diego VigliancoExecutive Vice President and CIO$456.8K$2.6M85
2024Paola Pérez**Executive Vice President$399.3K$2.2M85
2024Luis A. RodríguezExecutive Vice President$399.3K$2.2M85
2023Morgan M. Schuessler, Jr.President and CEO$816.0K$14.4M85
2023Joaquín A. CastrilloSenior Executive Vice President and COO$423.9K$2.7M85
2023Diego VigliancoExecutive Vice President and CIO$422.5K$2.6M85
2023Luis A. RodríguezExecutive Vice President$381.7K$2.1M85

Held by these funds

The largest holders among investment managers' 13F reports for the quarter ending Jun 30, 2026, the top 25 of 100. Change is in shares since the quarter before.

FundSharesValueShare of the fundChange
BlackRock, Inc.9,161,745$254.5M0.0%−137,822
Fmr LLC8,798,971$244.4M0.0%−458,175
American Century Companies Inc5,189,201$144.2M0.1%+139,688
Vanguard Portfolio Management LLC3,961,258$110.0M0.0%+5,639
Vanguard Capital Management LLC2,765,581$76.8M0.0%−90,497
Kayne Anderson Rudnick Investment Management LLC2,713,930$75.4M0.2%−346,815
State Street Corp2,604,668$72.4M0.0%+102,313
Fuller & Thaler Asset Management, Inc.2,059,589$57.2M0.2%+224,644
Geode Capital Management, LLC1,569,390$43.6M0.0%+30,824
Dimensional Fund Advisors LP1,426,463$39.6M0.0%−139,555
Heartland Advisors Inc840,400$23.3M1.0%+590,400
Ameriprise Financial Inc830,620$23.1M0.0%+251,637
North Star Asset Management Inc809,545$22.5M0.9%+3,758
Northern Trust Corp793,795$22.1M0.0%+10,296
Charles Schwab Investment Management Inc758,026$21.1M0.0%−23,023
Aqr Capital Management LLC708,230$19.7M0.0%+546,642
Lone Peak Global Investors LLC584,685$16.2M2.2%+32,764
Clark Capital Management Group, Inc.562,394$15.6M0.1%−33,952
Panagora Asset Management Inc472,642$13.1M0.0%+124,620
Boston Partners464,865$13.0M0.0%−15,033
Morgan Stanley462,835$12.9M0.0%−182,148
Bank of New York Mellon Corp457,153$12.7M0.0%−275
Vanguard Fiduciary Trust Co444,153$12.3M0.0%−1,630
Principal Financial Group Inc425,964$11.8M0.0%−1,596
Millennium Management LLC409,440$11.4M0.0%−194,521

13F reports cover disclosed long positions in U.S. stocks only.

Members of Congress who traded it

2 trades disclosed by members of Congress. “Vs S&P since” is the stock’s change since the trade minus the S&P 500’s.

DateMemberTradeAmountVs S&P sinceFiling
Jun 17, 2025Lisa C. McClainRepublican, HouseSale$1,001 - $15,000+43.1%Report
Jun 11, 2025Lisa C. McClainRepublican, HouseBuy$1,001 - $15,000−45.5%Report

Members report amounts as ranges, not exact figures. Returns are price-only (no dividends).

SEC filer profile

How EVERTEC, Inc. is registered with the Securities and Exchange Commission, from its EDGAR record and the cover page of its latest annual report.

  • Name on EDGAREVERTEC, Inc.1
  • CIK0001559865
  • Employer ID (EIN)66-07836224
  • Filer statusLarge accelerated filer not an emerging growth company; not a smaller reporting company; not a shell company4
  • Incorporated inPuerto Rico4
  • Fiscal year endsDecember 311
  • Industry code (SIC)7374 Services-Computer Processing & Data Preparation1
  • SEC reviewing officeOffice of Technology, Division of Corporation Finance1
  • Business addressCupey Center Building, Road 176, Km 1.3, Rio Piedras, PR 009261
  • Mailing addressPo Box 364527, San Juan, PR 00936-45271
  • Phone(787) 759-99991
  • Shares outstanding59,752,542 as of Jul 30, 202611
  • Public float$2.3B as of Jun 30, 20254
  • AuditorDeloitte & Touche LLP, San Juan, Puerto Rico PCAOB ID 34; it also attests to the company’s internal control over financial reporting4
  • On EDGAR sinceNov 2, 20121
  • Filings966 in all: 4 (496), 8-K (161), SC 13G/A (54), 3 (42), 10-Q (41), 144 (31), DEFA14A (17), SC 13G (16)1
    All 41 form types

    4/A (15), 10-K (13), DEF 14A (13), UPLOAD (9), CORRESP (6), S-1/A (5), 8-K/A (4), 424B4 (3), EFFECT (3), S-1 (3), SCHEDULE 13G/A (3), 10-K/A (2), 424B7 (2), 5 (2), ARS (2), DRS/A (2), FWP (2), IRANNOTICE (2), S-8 (2), SCHEDULE 13G (2), 8-A12B (1), CB (1), CERTNYS (1), CT ORDER (1), DRS (1), NT 10-K (1), NT 10-Q (1), PRE 14A (1), RW (1), S-1MEF (1), S-3 (1), S-3ASR (1), S-8 POS (1)

  • Latest filingsAnnual report (10-K) Mar 2, 2026
    Quarterly report (10-Q) Aug 6, 2026
    Proxy statement (DEF 14A) Apr 7, 2026
    Latest 8-K (8-K) Aug 4, 2026

Securities registered for trading

ClassSymbolExchange
Common Stock, $0.01 par value per shareEVTCNew York Stock Exchange

From the cover page of the 10-K filed Mar 2, 2026 (Section 12(b) of the Exchange Act).4

Risk factors and legal proceedings

The risks EVERTEC, Inc. names in Item 1A of its 10-K filed Mar 2, 2026: 38 risks under these headings, as written.4

  • Risks Related to Our Business
  • If we are unable to maintain our merchant relationships and our alliance with Popular, our business may be materially adversely affected.
  • If we are unable to renew or negotiate extensions for our A&R MSA with Popular, A&R ISO Agreement with Banco Popular and A&R ATH Network Participation Agreement with Banco Popular (the “A&R BPPR ATH Agreement”), or if we are required to provide significant concessions to Popular or Banco Popular to secure extensions or otherwise, our ability to renegotiate our debt, secure additional debt, results of operations, financial condition and trading price of our common stock may be materially adversely affected.
  • Our inability to renew or continue to maintain client contracts on favorable terms or at all may materially adversely affect our results of operations and financial condition.
  • We rely on our information technology systems, employees and certain suppliers and counterparties, and certain failures or disruptions in those systems or chains could materially adversely affect our operations.
  • We are subject to security breaches or other confidential data theft from our systems, which can adversely affect our reputation and business.
  • Our ability to recruit, retain and develop qualified personnel is critical to our success and growth.
  • Failure to comply with federal, state and foreign laws and regulations relating to data privacy and security, or the expansion of current, or the enactment of new, laws or regulations relating to data privacy and security, could adversely affect our business, financial condition and operating results.
  • Fraud by merchants or others could adversely affect our business, financial condition or results of operations.
  • We are subject to the credit risk that our merchants will be unable to satisfy obligations for which we may also be liable.
  • Our ability to adopt technology to changing industry and customer needs or trends may affect our competitiveness or demand for our products, which may adversely affect our results of operations.
  • Our use of artificial intelligence and machine learning tools may subject us to additional risks and may adversely impact our reputation and the performance of our products, service offerings and business.
The other 27 risks
  • The regulatory framework governing the use of AI and machine learning technology is rapidly evolving, and we cannot predict how future legislation and regulation will impact our ability to offer products or services that we develop which leverage artificial intelligence and machine learning technology.
  • There may be a decline in the use of cards as a payment mechanism for consumers or adverse developments with respect to the card industry in general.
  • Changes in payment card network or other network rules, standards or mandates could adversely affect our business.
  • Changes in interchange fees charged by payment card networks could increase our costs or otherwise materially adversely affect our business.
  • We are subject to extensive government regulation and oversight. Failure to comply with existing and future rules and regulations in the jurisdictions in which we operate could materially adversely affect the operations of one or more of our businesses in those jurisdictions.
  • Puerto Rico’s fiscal crisis could have a material adverse effect on our business and the trading price of our common stock.
  • Puerto Rico’s economy, including the ongoing financial crisis and the effects of potential natural disasters, including weather events connected to climate change, or future disease pandemics or other public health crises, could have a prolonged negative impact on the countries and markets in which we operate and, as a result, could have a material adverse effect on our business and results of operations.
  • We are exposed to risks associated with our presence in international markets, including global political, social and economic instability.
  • Failure to protect our intellectual property rights and defend ourselves from potential intellectual property infringement claims may diminish our competitive advantages or restrict us from delivering our services, which could result in a material and adverse impact on our business operations.
  • Assertions by third parties of infringement or other violations by us of their intellectual property rights, whether or not correct, could result in significant costs and harm our business and operating results.
  • We incorporate technology and components from third parties into our products, and our inability to obtain or maintain rights to such technology could harm our business.
  • Our use of "open source" software could subject our proprietary software to general release, negatively affect our ability to offer our products and subject us to possible litigation.
  • Confidentiality arrangements with employees and others may not adequately prevent disclosure of trade secrets and other proprietary information.
  • EVERTEC Group has a preferential tax exemption grant from the Government of Puerto Rico. If EVERTEC fails to renew or extend such grant or fails to comply with its terms, we could have a material adverse effect on our financial condition, results of operations and our stock price.
  • The enactment of legislation implementing changes in tax legislation or policies in different geographic jurisdictions including the United States could materially impact our business, financial condition and results of operations.
  • Exposure to foreign exchange fluctuations and capital controls may adversely affect our costs, earnings and the value of some of our assets.
  • We are exposed to fluctuations in inflation, which could negatively affect our business, financial condition and results of operations.
  • Acquisitions, strategic investments, partnerships, or alliances could be difficult to identify, pose integration challenges, divert the attention of management, disrupt our business, dilute shareholder value, and adversely affect our business, financial condition and results of operations.
  • Risks Related to Our Securities, Corporate Structure and Governance
  • Future sales or the possibility of future sales of a substantial amount of our common stock may depress the price of shares of our common stock.
  • Purchases of our common stock pursuant to our stock repurchase plan may affect the value of our common stock, and there can be no assurance that our stock repurchase plan will enhance stockholder value.
  • We are a holding company and rely on dividends and other payments, advances, and transfers of funds from our subsidiaries to meet our obligations and pay any dividends.
  • Our organizational documents may impede or discourage a takeover, which could deprive our investors of the opportunity to receive a premium for their shares.
  • The market price of our common stock may be volatile.
  • From time to time we are subject to various legal proceedings which could adversely affect our business, financial condition or results of operations.
  • Short sellers of our stock may be manipulative and may drive down the market price of our common stock.
  • Risks Related to Our Indebtedness
  • Our leverage could adversely affect our ability to raise additional capital, limit our ability to react to changes in the economy or our industry, expose us to interest rate risk and prevent us from meeting our obligations with respect to our substantial indebtedness, and we and our subsidiaries may be able to incur significant additional indebtedness, which could further increase such risks.
  • If we are unable to comply with covenants in our debt instruments that limit our flexibility in operating our business or obligate us to take action such as deliver financial reports, we may default under our debt instruments and our indebtedness may become due.

Legal proceedings

We are defendants in various lawsuits or arbitration proceedings arising in the ordinary course of business. Given that such proceedings are subject to uncertainty, there can be no assurance that such legal proceedings, either individually or in the aggregate, will not have a material adverse effect on our business, results of operations, financial condition or cash flows. See Note 25 to the Audited Consolidated Financial Statements appearing elsewhere in this Report for additional information.

The opening of Item 3, Legal Proceedings.4

Sources

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