Exhibit 99.1

EVERTEC REPORTS THIRD QUARTER 2025 RESULTS

Raises full year outlook

SAN JUAN, PUERTO RICO – November 6, 2025 – EVERTEC, Inc. (NYSE: EVTC) (“Evertec” or the “Company”) today announced results for the third quarter ended September 30, 2025.

Third Quarter 2025 Highlights and Recent Highlights

•Revenue increased 8% to $228.6 million, approximately 8% on a constant currency basis

•GAAP Net Income attributable to common shareholders increased 33% to $32.9 million, and increased 34% to $0.51 per diluted share

•Adjusted EBITDA increased 6% to $92.6 million and Adjusted earnings per common share increased 7% to $0.92

•Completed the purchase of 75% of the share capital of Tecnobank Tecnologia Bancária S.A. ("Tecnobank")

Mac Schuessler, President and Chief Executive Officer stated "We are pleased with our third quarter results, which reflects our continued focus on operational excellence and strategic execution. By expanding our footprint in Latin America through the Tecnobank acquisition, we’ve strengthened our platform and positioned the company for long-term growth."

Third Quarter 2025 Results

Revenue. Total revenue for the quarter ended September 30, 2025 was $228.6 million, an increase of 8%, compared with $211.8 million in the prior year quarter driven by organic growth across all of the Company's segments and the contribution from the acquisitions completed in the fourth quarter of 2024. Constant currency revenue amounted to $227.9 million, representing growth of 8%. Merchant acquiring revenue benefited from higher sales volume and higher non-transactional revenues, partially offset by a slight decrease in spread. Payments Puerto Rico revenue benefited from ATH Movil transaction and sales volume growth, primarily in the ATH Business. Latin America revenue benefited from strong performance in Brazil, continued organic growth across the entire region and the contribution from acquisitions completed in the prior year. Business Solutions revenue increased as a result of projects completed during the quarter and an increase in hardware sales.

Net Income attributable to common shareholders. For the quarter ended September 30, 2025, GAAP Net Income attributable to common shareholders was $32.9 million or $0.51 per diluted share, an increase of $8.2 million, compared with $24.7 million or $0.38 per diluted share in the prior year. The increase was driven by higher revenues, lower depreciation and amortization from intangible assets that became fully amortized during the prior year, lower interest expense from lower interest rates and repricing of our debt completed during the year and a $5.7 million gain on the sale of tax credits. These variances were partially offset by an increase in cost of revenues, in part driven by the recognition of estimated liabilities associated with potential contractual claims related to client losses from the Pix incident, increases in software maintenance expense and cloud expenses, an increase in personnel costs and professional services.

Adjusted EBITDA and Adjusted EBITDA Margin. For the quarter ended September 30, 2025, Adjusted EBITDA was $92.6 million, an increase of $5.2 million when compared to the prior year quarter, driven by the increase in revenues. Adjusted EBITDA margin (Adjusted EBITDA as a percentage of total revenue) decreased slightly to 40.5% compared with 41.3% in the prior year.

Adjusted Net Income and Adjusted earnings per common share. For the quarter ended September 30, 2025, Adjusted Net Income was $59.8, an increase of 8% compared with $55.4 million in the prior year, driven by the increase in Adjusted EBITDA and lower cash interest expense, as we benefited from lower interest rates and the impact from repricing our debt. This was partially offset by an increase in the adjusted effective tax rate and higher operating depreciation and amortization expense. Adjusted earnings per common share was $0.92, an increase of 7% compared with $0.86 in the prior year driven by the factors explained for Adjusted Net Income.

Business Acquisition

On October 1, 2025, Evertec completed the acquisition of 75% of Tecnobank Tecnologia Bancária, which is a leading fintech vendor in Brazil's digital vehicle financing contract registration sector.

2025 Outlook

The Company's revised financial outlook for 2025 is as follows:

•We now expect revenue between $921 million and $927 million representing growth of approximately 8.9% to 9.6%, and increase from our previous expectation of 6.6% to 7.6%. Constant currency growth is now expected to be between 10.0% to 11.0%.

•Adjusted earnings per common share is now expected to be between $3.56 to $3.62 representing growth of approximately 8.5% to 10.4%, and increase from our previous expectation of 4.8% to 7.0%. On a constant currency basis, growth is expected to be between 9.6% to 11.6%.

•Continue to expect capital expenditures to be approximately $85 million

•Continue to expect an adjusted effective tax rate of approximately 6% to 7%

Earnings Conference Call and Audio Webcast

The Company will host a conference call to discuss its third quarter 2025 financial results today at 4:30 p.m. ET. Hosting the call will be Mac Schuessler, President and Chief Executive Officer, Joaquin Castrillo, Chief Operating Officer, and Karla Cruz-Jusino, Chief Financial Officer. The conference call can be accessed live over the phone by dialing (888) 338-7153 or for international callers by dialing (412) 317-5117. A replay will be available one hour after the end of the conference call and can be accessed by dialing (855) 669-9658 or (412) 317-0088 for international callers; the pin number is 9184714. The replay will be available through Thursday, November 13, 2025. The call will be webcast live from the Company’s website at www.evertecinc.com under the Investor Relations section or directly at http://ir.evertecinc.com. A supplemental slide presentation that accompanies this call and webcast can be found on the investor relations website at ir.evertecinc.com and will remain available after the call.

About Evertec

EVERTEC, Inc. (NYSE: EVTC) is a leading full-service transaction processor and financial technology provider in Latin America, Puerto Rico and the Caribbean, providing a broad range of merchant acquiring, payment services and business process management services. Evertec owns and operates the ATH® network, one of the leading personal identification number (“PIN”) debit networks in Latin America. In addition, the Company manages a system of electronic payment networks and offers a comprehensive suite of services for core banking, cash processing and fulfillment in Puerto Rico, that process over ten billion transactions annually. The Company also offers financial technology outsourcing in all the regions it serves. Based in Puerto Rico, the Company operates in 26 Latin American countries and serves a diversified customer base of leading financial institutions, merchants, corporations and government agencies with “mission-critical” technology solutions. For more information, visit www.evertecinc.com.

Use of Non-GAAP Financial Information

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 measurements of the Company’s financial performance under GAAP and should not be considered as alternatives to total revenue, net income or any other performance measures derived in accordance with GAAP or as alternatives to cash flows from operating activities, as indicators of operating performance or as measures of the Company’s liquidity. In addition to GAAP measures, management uses these non-GAAP measures to focus on the factors the Company believes are pertinent to the daily management of the Company’s operations and believes that they are also frequently used by analysts, investors and other stakeholders to evaluate companies in our industry. These measures have certain limitations in that they do not include the impact of certain expenses that are reflected in our condensed consolidated statements of operations that are necessary to run our business. Other companies, including other companies in our industry, may not use these measures or may calculate these measures differently than as presented herein, limiting their usefulness as comparative measures.

Reconciliations of the non-GAAP measures to the most directly comparable GAAP measure are included at the end of this earnings release. These non-GAAP measures include Constant currency revenue, EBITDA, Adjusted EBITDA, Adjusted Net Income, Adjusted Earnings per common share, and Constant Currency Adjusted Earnings per common share, each as defined below.

Constant currency revenue represents reported revenue excluding the impact of fluctuations in foreign currency exchange rates in the current period. Constant currency revenue is calculated by applying prior-year period foreign currency exchange rates to current-period revenue.

EBITDA is defined as earnings before interest, taxes, depreciation and amortization.

Adjusted EBITDA is defined as EBITDA further adjusted to exclude certain non-cash items and unusual expenses such as: share-based compensation, restructuring related expenses, fees and expenses from corporate transactions such as M&A activity and financing, multi-year non-recurring gains recognized in connection with the sale of tax credits, equity investment income net of dividends received, and the impact from unrealized gains and losses on foreign currency remeasurement for assets and liabilities in non-functional currency. Segment Adjusted EBITDA which is the measure reported to the chief operating decision maker for purposes of making decisions about allocating resources to the segments and assessing their performance, is presented in conformity with Accounting Standards Codification 280, Segment Reporting, and for this reason is excluded from the definition of non-GAAP financial measures under the Securities and Exchange Commission's Regulation G and Item 10(e) of Regulation S-K. The Company’s presentation of Adjusted EBITDA is substantially consistent with the equivalent measurements that are contained in the secured credit facilities in testing EVERTEC Group’s compliance with covenants therein such as the secured leverage ratio. Adjusted EBITDA Margin is defined as Adjusted EBITDA as a percentage of total revenues.

Adjusted Net Income is defined as Adjusted EBITDA less: operating depreciation and amortization expense, defined as GAAP Depreciation and amortization less amortization of intangibles related to acquisitions such as customer relationships, trademarks, non-compete agreements, among others; cash interest expense defined as GAAP interest expense, less GAAP interest income adjusted to exclude non-cash amortization of debt issue costs and premiums and accretion of discount; income tax expense which is calculated on adjusted pre-tax income using the applicable GAAP tax rate, adjusted for uncertain tax position releases, tax true-ups, windfall from share-based compensation, unrealized gains and losses from foreign currency remeasurement, among others; and non-controlling interests, net of amortization for intangibles created as part of the purchase.

Adjusted Earnings per common share is defined as Adjusted Net Income divided by diluted shares outstanding.

Constant Currency Adjusted Earnings per common share is defined as Adjusted earnings per common share excluding the impact of fluctuations in foreign currency exchange rates in the current period, calculated by applying prior-year period foreign currency exchange rates to current-period results.

The Company uses Adjusted Net Income to measure the Company's overall profitability because the Company believes it better reflects the comparable operating performance by excluding the impact of the non-cash amortization and depreciation that was created as a result of merger and acquisition activity. In addition, in evaluating EBITDA, Adjusted EBITDA, Adjusted Net Income and Adjusted Earnings per common share, you should be aware that in the future the Company may incur expenses such as those excluded in calculating them.

Forward-Looking Statements

Certain statements in this earnings release 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 provisions for forward-looking statements contained in Section 27A of the Securities Act of 1933, as amended, and Section 21E of the Securities Exchange Act of 1934, as amended. All statements contained in this press release other than statements of historical facts, including, without limitation, statements regarding our future results of operations and financial position, including our guidance for fiscal year 2025; our business strategies; objectives of management for future operations, including, among others, statements regarding our expected growth, international expansion and future capital expenditures; and expectations for and anticipated benefits of acquisitions, are forward looking statements. Words such as “believes,” “expects,” “anticipates,” “intends,” “projects,” “estimates,” and “plans” and similar expressions of future or conditional verbs such as “will,” “should,” “would,” “may,” and “could” are generally forward-looking in nature and not historical facts.

Various factors that could cause actual future results and other future events to differ materially from those estimated by management include, but are not limited to: our reliance on our relationship with Popular, Inc. (“Popular”) for a significant portion of our revenues pursuant to our second Amended and Restated Master Services Agreement (“A&R MSA”) with them, and as it may impact our ability to grow our business; our ability to renew our client contracts on terms favorable to us, including but not limited to the current term and any extension of the A&R MSA with Popular and Amended and Restated Independent Sales Organization Sponsorship and Services Agreement (the “A&R ISO Agreement”) with Banco Popular; our reliance 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; the risk of security breaches or other

confidential data theft from our systems; our ability to recruit, retain and develop qualified personnel; fraud by merchants or others; the credit risk of our merchant clients, for which we may also be liable; our use of artificial intelligence (“AI”) and machine learning tools and the evolving regulatory framework governing such technology; a decreased client base due to consolidations and/or failures in the financial services industry; our ability to comply with existing and future rules and regulations in the jurisdictions in which we operate; a reduction in consumer confidence, whether as a result of a global economic downturn or otherwise, which leads to a decrease in consumer spending; our dependence on payment card network or other network rules, standards or fees; the geographical concentration of our business in Puerto Rico, including our business with the government of Puerto Rico and its instrumentalities, which are facing fiscal challenges and the effects of potential natural disasters; risks associated with our presence in international markets, including global political, social and economic instability; operating an international business in Latin America, Puerto Rico and the Caribbean, in jurisdictions with potential political and economic instability; the impact of exposure to foreign exchange fluctuations and capital controls on our costs, earnings and the value of some of our assets; our ability to protect our intellectual property rights against infringement and to defend ourselves against potential intellectual property infringement claims and the potential impact on our business of such claims, whether or not correct; the possibility that we could lose our preferential tax rate in Puerto Rico; the possibility that we may not realize the anticipated benefits of our merger with Sinqia; the effect of purchases of our common stock pursuant to our stock repurchase plan on the value of our common stock; and the impact of our leverage on our ability to raise additional capital, that our leverage may 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, that we and our subsidiaries may be able to incur significant additional indebtedness, which could further increase such risks; and the other factors set forth under "Part 1, Item 1A. Risk Factors," in the Company’s Annual Report on Form 10-K for the fiscal year ended December 31, 2024 filed with the Securities and Exchange Commission (the "SEC") on March 3, 2025. The Company undertakes no obligation to release publicly any revisions to any forward-looking statements, to report events or to report the occurrence of unanticipated events unless it is required to do so by law.

Investor Contact

Loyda Montes Santiago

(787) 773-5442

IR@evertecinc.com

EVERTEC, Inc.

Schedule 1: Unaudited Condensed Consolidated Statements of Income and Comprehensive Income (Loss)


	Three months ended September 30,				Nine months ended September 30,
(Dollar amounts in thousands, except share data)	2025		2024		2025		2024
Revenues	$	228,587	$	211,795	$	686,986	$	629,091

Operating costs and expenses
Cost of revenues, exclusive of depreciation and amortization	124,742		102,497		349,411		302,426
Selling, general and administrative expenses	37,678		34,097		108,992		107,910
Depreciation and amortization	28,435		33,660		85,217		101,051
Total operating costs and expenses	190,855		170,254		543,620		511,387
Income from operations	37,732		41,541		143,366		117,704
Non-operating income (expenses)
Interest income	4,016		3,696		10,346		10,274
Interest expense	(16,534)		(18,704)		(50,241)		(57,352)
(Loss) gain on foreign currency remeasurement	(60)		(1,112)		455		(3,164)
Earnings from equity investees	1,346		1,099		4,290		3,266
Other income, net	6,929		389		7,483		6,484
Total non-operating expenses	(4,303)		(14,632)		(27,667)		(40,492)
Income before income taxes	33,429		26,909		115,699		77,212
Income tax (benefit) expense	(31)		1,707		8,175		3,100
Net income	33,460		25,202		107,524		74,112
Less: Net income attributable to non-controlling interest	599		524		1,495		1,554
Net income attributable to EVERTEC, Inc.’s common stockholders	32,861		24,678		106,029		72,558
Other comprehensive income (loss), net of tax
Foreign currency translation adjustments	13,593		15,354		92,799		(75,473)
Loss on cash flow hedges	(313)		(11,937)		(6,465)		(8,555)
Unrealized gain (loss) on change in fair value of debt securities available-for-sale	5		$	(1)	$	15	$	(4)
Other comprehensive income (loss), net of tax	$	13,285	$	3,416	$	86,349	$	(84,032)
Total comprehensive income (loss) attributable to EVERTEC, Inc.’s common stockholders	$	46,146	$	28,094	$	192,378	$	(11,474)
Net income per common share:
Basic	$	0.51	$	0.39	$	1.66	$	1.12
Diluted	$	0.51	$	0.38	$	1.64	$	1.11
Shares used in computing net income per common share:
Basic	63,982,424		63,944,132		63,917,639		64,512,868
Diluted	64,766,300		64,719,129		64,692,541		65,316,948

EVERTEC, Inc.

Schedule 2: Unaudited Condensed Consolidated Balance Sheets


(Dollar amounts in thousands, except share data)	September 30, 2025		December 31, 2024
Assets
Current Assets:
Cash and cash equivalents	$	474,738	$	273,645
Restricted cash	24,998		24,594
Accounts receivable, net	153,862		137,501
Settlement assets	15,000		31,942
Prepaid expenses and other assets	75,822		61,383
Total current assets	744,420		529,065
Debt securities available-for-sale, at fair value	2,595		913
Equity securities, at fair value	6,250		4,976
Investments in equity investees	29,336		29,472
Property and equipment, net	63,184		62,059
Operating lease right-of-use asset	7,475		10,131
Goodwill	779,671		726,901
Other intangible assets, net	447,943		430,885
Deferred tax asset	46,225		33,877
Derivative asset	—		4,338
Other long-term assets	22,068		24,994
Total assets	$	2,149,167	$	1,857,611
Liabilities and stockholders’ equity
Current Liabilities:
Accrued liabilities	$	136,232	$	124,553
Accounts payable	47,160		58,729
Contract liability	22,885		25,274
Income tax payable	7,461		8,981
Current portion of long-term debt	23,867		23,867

Current portion of operating lease liability	3,787		6,229
Settlement liabilities	14,787		32,027
Total current liabilities	256,179		279,660
Long-term debt	1,059,143		925,062
Deferred tax liability	40,981		44,810
Contract liability - long term	48,908		55,003
Operating lease liability - long-term	4,597		4,924
Derivative liability	5,155		1,351
Other long-term liabilities	26,187		27,540
Total liabilities	1,441,150		1,338,350
Redeemable non-controlling interests	41,282		43,460
Stockholders’ equity
Preferred stock, par value $0.01; 2,000,000 shares authorized; none issued	—		—
Common stock, par value $0.01; 206,000,000 shares authorized; 63,983,841 shares issued and outstanding as of September 30, 2025 (December 31, 2024 - 63,614,077)	640		636
Additional paid-in capital	15,429		7,003
Accumulated earnings	696,055		599,608
Accumulated other comprehensive loss, net of tax	(48,374)		(134,723)


Total EVERTEC, Inc. stockholders’ equity	663,750		472,524
Non-controlling interest	2,985		3,277
Total equity	666,735		475,801
Total liabilities and equity	$	2,149,167	$	1,857,611

EVERTEC, Inc.

Schedule 3: Unaudited Condensed Consolidated Statements of Cash Flows


	Nine months ended September 30,
(In thousands)	2025		2024
Cash flows from operating activities
Net income	$	107,524	$	74,112
Adjustments to reconcile net income to net cash provided by operating activities:
Depreciation and amortization	85,217		101,051
Amortization of debt issue costs and accretion of discount	2,770		3,576
Operating lease amortization	5,373		5,340

Provision (release) for expected credit losses and sundry losses	9,455		(476)


Deferred tax benefit	(18,944)		(20,275)
Share-based compensation	22,194		22,387

Gain on sale of equity securities	—		(2,599)

Earnings of equity investees	(4,290)		(3,266)
Dividend received from equity method investee	3,861		3,364


(Gain) loss on foreign currency remeasurement	(455)		3,164
Other, net	821		189
(Increase) decrease in assets:
Accounts receivable, net	(19,332)		(838)

Prepaid expenses and other assets	(10,890)		(1,791)
Other long-term assets	3,160		3,247
(Decrease) increase in liabilities:
Accrued liabilities and accounts payable	(18,249)		(12,046)

Income tax payable	(2,366)		2,359
Contract liability	(9,690)		12,038
Operating lease liabilities	(5,626)		(5,341)
Other long-term liabilities	6,468		702
Total adjustments	49,477		110,785
Net cash provided by operating activities	157,001		184,897
Cash flows from investing activities

Additions to software and other intangible assets	(50,905)		(48,778)

Property and equipment acquired	(17,020)		(21,050)

Acquisition of available-for-sale debt securities	(1,782)		—
Investment in equity investee	—		(2,000)


Proceeds from maturities of available-for-sale debt securities	1,000		370

Proceeds from sale of equity securities	—		6,128
Other investing activities, net	(896)		(132)
Net cash used in investing activities	(69,603)		(65,462)
Cash flows from financing activities

Acquisition of redeemable non-controlling interest	(5,167)		—
Withholding taxes paid on share-based compensation	(8,942)		(9,907)
Borrowings under Revolving Facility	150,000		—



Dividends paid	(9,582)		(9,692)

Repurchase of common stock	(3,691)		(82,293)
Repayment of long-term debt	(17,900)		(17,900)
Repayment of other financing agreements	(4,478)		(7,046)
Settlement activity, net	(8,167)		209


Other financing activities, net	(2,958)		(3,652)
Net cash provided by (used in) financing activities	89,115		(130,281)
Effect of foreign exchange rate on cash, cash equivalents and restricted cash	16,817		(6,596)
Net increase (decrease) in cash, cash equivalents, restricted cash and cash included in settlement assets	193,330		(17,442)
Cash, cash equivalents, restricted cash and cash included in settlement assets at the beginning of the period	314,649		343,724
Cash, cash equivalents, restricted cash, and cash included in settlement assets at end of the period	$	507,979	$	326,282
Cash and cash equivalents	474,738		275,359
Restricted cash	24,998		25,663
Cash and cash equivalents included in settlement assets	8,243		25,260
Cash, cash equivalents, restricted cash and cash included in settlement assets	$	507,979	$	326,282

EVERTEC, Inc.

Schedule 4: Unaudited Segment Information


	Three months ended September 30, 2025
(In thousands)	Payment Services - Puerto Rico & Caribbean		Latin America Payments and Solutions		Merchant Acquiring, net		Business Solutions		Total Reportable Segments		Corporate and Other (1)		Total

Revenues	$	55,244	$	90,378	$	46,753	$	61,679	$	254,054	$	(25,467)	$	228,587
Adjusted EBITDA	29,874		24,426		18,611		25,100		98,011		(5,400)		92,611

(1)Corporate and Other consists of corporate overhead, certain leveraged activities, other non-operating expenses and intersegment eliminations. Intersegment revenue eliminations predominantly reflect the $14.9 million processing fee from Payments Services - Puerto Rico & Caribbean to Merchant Acquiring, intercompany software developments and transaction-processing of $7.0 million from Latin America Payments and Solutions to both Payment Services- Puerto Rico & Caribbean and Business Solutions, and transaction-processing and monitoring fees of $3.6 million from Payment Services - Puerto Rico & Caribbean to Latin America Payments and Solutions.


	Three months ended September 30, 2024
(In thousands)	Payment Services - Puerto Rico & Caribbean		Latin America Payments and Solutions		Merchant Acquiring, net		Business Solutions		Total Reportable Segments		Corporate and Other (1)		Total

Revenues	$	52,755	$	76,029	$	45,437	$	61,103	$	235,324	$	(23,529)	$	211,795
Adjusted EBITDA	28,352		20,740		18,227		25,504		92,823		(5,434)		87,389

(1)Corporate and Other consists of corporate overhead, certain leveraged activities, other non-operating expenses and intersegment eliminations. Intersegment revenue eliminations predominantly reflect the $14.4 million processing fee from Payments Services - Puerto Rico & Caribbean to Merchant Acquiring, intercompany software developments and transaction-processing of $5.5 million from Latin America Payments and Solutions to both Payment Services - Puerto Rico & Caribbean and Business Solutions, and transaction-processing and monitoring fees of $3.7 million from Payment Services - Puerto Rico & Caribbean to Latin America Payments and Solutions.


	Nine months ended September 30, 2025
(In thousands)	Payment Services - Puerto Rico & Caribbean		Latin America Payments and Solutions		Merchant Acquiring, net		Business Solutions		Total Reportable Segments		Corporate and Other (1)		Total

Revenues	$	166,822	$	260,208	$	141,694	$	191,762	$	760,486	$	(73,500)	$	686,986
Adjusted EBITDA	94,340		72,671		58,972		73,343		299,326		(24,711)		274,615

(1)Corporate and Other consists of corporate overhead, certain leveraged activities, other non-operating expenses and intersegment eliminations. Intersegment revenue eliminations predominantly reflect the $44.1 million processing fee from Payments Services - Puerto Rico & Caribbean to Merchant Acquiring, intercompany software developments and transaction-processing of $18.8 million from Latin America Payments and Solutions to both Payment Services - Puerto Rico & Caribbean and Business Solutions, and transaction-processing and monitoring fees of $10.6 million from Payment Services - Puerto Rico & Caribbean to Latin America Payments and Solutions.


	Nine months ended September 30, 2024
(In thousands)	Payment Services - Puerto Rico & Caribbean		Latin America Payments and Solutions		Merchant Acquiring, net		Business Solutions		Total Reportable Segments		Corporate and Other (1)		Total

Revenues	$	159,985	$	224,914	$	133,855	$	181,567	$	700,321	$	(71,230)	$	629,091
Adjusted EBITDA	90,062		54,537		52,695		78,312		275,606		(23,988)		251,618

(1)Corporate and Other consists of corporate overhead, certain leveraged activities, other non-operating expenses and intersegment eliminations. Intersegment revenue eliminations predominantly reflect the $43.2 million processing fee from Payments Services - Puerto Rico & Caribbean to Merchant Acquiring, intercompany software developments and transaction-processing of $14.7 million from Latin America Payments and Solutions to both Payment Services - Puerto Rico & Caribbean and Business Solutions, and transaction-processing and monitoring fees of $13.4 million from Payment Services - Puerto Rico & Caribbean to Latin America Payments and Solutions.

EVERTEC, Inc.

Schedule 5: Reconciliation of GAAP to Non-GAAP Operating Results


	Three months ended September 30,				Nine months ended September 30,
(Dollar amounts in thousands, except share data)	2025		2024		2025		2024
Revenue	$	228,587	$	211,795	$	686,986	$	629,091
Currency Adjustment - Constant (1)	(654)		—		$	9,308	—
Constant Currency Revenue	$	227,933	$	211,795	$	696,294	$	629,091

Net income	$	33,460	$	25,202	$	107,524	$	74,112
Income tax (benefit) expense	(31)		1,707		8,175		3,100
Interest expense, net	12,518		15,008		39,895		47,078
Depreciation and amortization	28,435		33,660		85,217		101,051
EBITDA	74,382		75,577		240,811		225,341

Equity loss (income) (2)	2,129		1,929		(815)		(238)
Compensation and benefits (3)	8,133		7,595		27,727		23,186
Transaction, refinancing and other fees (4)	7,907		1,176		7,347		165
Loss (Gain) on foreign currency remeasurement (5)	60		1,112		(455)		3,164
Adjusted EBITDA	92,611		87,389		274,615		251,618
Operating depreciation and amortization (6)	(16,892)		(16,293)		(50,416)		(45,732)
Cash interest expense, net (7)	(12,039)		(13,908)		(38,034)		(43,749)
Income tax expense (8)	(3,287)		(1,234)		(10,930)		(3,298)
Non-controlling interest (9)	(609)		(535)		(1,526)		(1,601)
Adjusted Net Income	$	59,784	$	55,419	$	173,709	$	157,238
Net income per common share (GAAP):
Diluted	$	0.51	$	0.38	$	1.64	$	1.11
Adjusted earnings per common share (Non-GAAP):
Diluted	$	0.92	$	0.86	$	2.69	$	2.41
Shares used in computing adjusted earnings per common share:
Diluted	64,766,300		64,719,129		64,692,541		65,316,948

1)Constant currency adjustment is calculated by applying prior-year period foreign currency exchange rates to current-period results.

2)Represents the elimination of non-cash equity earnings from equity investments, net of dividends received.

3)Primarily represents share-based compensation and severance payments.

4)Primarily represents fees and expenses associated with corporate transactions as defined in the Credit Agreement, multi-year non-recurring gains recognized in connection with the sale of tax credits and other non-recurring expenses.

5)Represents non-cash unrealized losses and (gains) on foreign currency remeasurement for assets and liabilities denominated in non-functional currencies.

6)Represents operating depreciation and amortization expense, which excludes amounts generated as a result of merger and acquisition activity.

7)Represents interest expense, less interest income, as they appear on the unaudited condensed consolidated statements of income and comprehensive income (loss), adjusted to exclude non-cash amortization of the debt issue costs and premiums, and accretion of discount.

8)Represents income tax expense calculated on adjusted pre-tax income using the applicable GAAP tax rate, adjusted for certain discrete items.

9)Represents the non-controlling equity interests, net of amortization for intangibles created as part of the purchase.

EVERTEC, Inc.

Schedule 6: Outlook Summary and Reconciliation to Non-GAAP Adjusted Earnings per Share



	Outlook 2025					2024
(Dollar amounts in millions, except per share data)	Low			High
Revenues (GAAP)	$	921	to	$	927	$	845
Currency adjustment - constant (1)	7			7
Constant currency revenues (Non-GAAP)	928			934

Earnings per Share (EPS) (GAAP)	$	2.27	to	$	2.32	$	1.73
Per share adjustment to reconcile GAAP EPS to Non-GAAP Adjusted EPS:
Share-based comp, non-cash equity earnings and other (2)	0.66			0.66		0.48
Merger and acquisition related depreciation and amortization (3)	0.72			0.72		1.02
Non-cash interest expense (4)	0.04			0.04		0.07
Tax effect of non-gaap adjustments (5)	(0.10)			(0.09)		(0.02)
Non-controlling interest (6)	(0.03)			(0.03)		—
Total adjustments	1.29			1.30		1.55
Adjusted EPS (Non-GAAP)	$	3.56	to	$	3.62	$	3.28
Currency adjustment - constant (1)	0.03			0.04
Constant Currency Adjusted EPS (Non-GAAP)	$	3.59		$	3.66
Shares used in computing adjusted earnings per common share				64.7		65.1

(1)Constant currency adjustment is calculated by applying prior-year period foreign currency exchange rates to current-period results.

(2)Represents share-based compensation, the elimination of non-cash equity earnings from equity investments, severance and other adjustments to reconcile GAAP EPS to Non-GAAP EPS.

(3)Represents depreciation and amortization expenses amounts generated as a result of M&A activity.

(4)Represents non-cash amortization of the debt issue costs and premiums and accretion of discount.

(5)Represents income tax expense on non-GAAP adjustments using the applicable GAAP tax rate (anticipated at approximately 6% to 7%).

(6)Represents the non-controlling equity interests, net of amortization for intangibles created as part of the purchase.

EVERTEC, Inc. 8-K