Table of Contents UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, DC 20549 FORM 10-Q ☒ QUARTERLY REPORT PURSUANT TO SECTION 13 OR 15(D) OF THE SECURITIES EXCHANGE ACT OF 1934 For the quarterly period ended March 31, 2023 or ☐ TRANSITION REPORT PURSUANT TO SECTION 13 OR 15(D) OF THE SECURITIES EXCHANGE ACT OF 1934 For the transition period from to COMMISSION FILE NUMBER 001-35872 EVERTEC, Inc. (EXACT NAME OF REGISTRANT AS SPECIFIED IN ITS CHARTER) Puerto Rico 66-0783622 Securities registered pur ...

Table of Contents UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, DC 20549 FORM 10-K ☒ ANNUAL REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the fiscal year ended December 31, 2022 or ☐ TRANSITION REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 Commission File Number 001-35872 EVERTEC, Inc. (Exact name of registrant as specified in its charter) Puerto Rico 66-0783622 (State or other jurisdiction of incorporation or organization) C ...

Financial Data and Key Metrics Changes - Adjusted EBITDA for 2022 was $270 million, down approximately 9% year-over-year, impacted by the Popular transaction and noncash foreign currency remeasurement losses [4][11] - Adjusted EPS for 2022 was $2.42, a decrease of 12% compared to the prior year [4][11] - Total revenue for Q4 2022 was $161.8 million, a 4% year-over-year increase, with full-year revenue reaching $618.4 million, up 5% from the previous year [18][25] Business Line Data and Key Metrics Changes - Payments Puerto Rico revenue increased by $6 million or 14% year-over-year, driven by POS transactions and ATH Móvil growth [5] - Business Solutions revenue decreased by approximately 9% year-over-year due to asset sales related to the Popular transaction [5][28] - Payment Services Latin America revenue for Q4 was $34.9 million, up 23% year-over-year, with strong organic growth from existing clients [13][98] Market Data and Key Metrics Changes - Puerto Rico received 50% less federal funds in 2022 compared to 2021, with federal stimulus funds expected to remain flat in 2023 [6][21] - The unemployment rate in Puerto Rico trended down throughout 2022, indicating a strong employment picture [21] - Inflation in Puerto Rico was estimated at 6% in December 2022, slightly lower than the U.S. [20] Company Strategy and Development Direction - The company aims to focus on organic growth opportunities and pursue M&A to diversify its operations outside of Puerto Rico [23][64] - EVERTEC plans to continue expanding its presence in Latin America, with a goal of increasing the revenue contribution from this region [39][64] - The company completed two tuck-in acquisitions in 2022 and announced the acquisition of PaySmart in Brazil to enhance its service offerings [8][57] Management's Comments on Operating Environment and Future Outlook - Management noted that the macroeconomic environment remains supportive of growth despite some economic headwinds [21][62] - The company expects revenue growth in 2023 to be in the range of $638 million to $647 million, representing a year-over-year increase of 3.2% to 4.6% [57] - Adjusted EBITDA margin is expected to be between 42% to 43% for 2023, reflecting a slight contraction compared to the previous year [57][88] Other Important Information - The company returned approximately $110 million to shareholders in 2022 through dividends and share repurchases [49] - EVERTEC's liquidity remained strong at $371 million as of December 31, 2022 [19][30] - The company refinanced its credit facilities, improving capital flexibility and reducing interest rates [56] Q&A Session Summary Question: Can you provide insights on the macro perspective and guidance for 2023? - Management indicated that while there are economic headwinds, employment remains strong, and they expect federal funding to be similar to 2022 levels [35][62] Question: What is the opportunity for EVERTEC in Latin America? - Management emphasized the importance of M&A in Latin America and expressed confidence in accelerating growth in the region [39][64] Question: How is the integration of the BBR acquisition progressing? - The integration is going well, with additional products being cross-sold into existing markets [90] Question: What are the expectations for margin contraction across segments? - Management noted that margin contraction is expected due to the impact of the Popular transaction and the shift in business mix towards Latin America [87][88]

EVERTEC, Inc. (NYSE:EVTC) Q3 2022 Results Conference Call November 2, 2022 4:30 PM ET Company Participants Kevin Hunt - IR Mac Schuessler - President and CEO Joaquin Castrillo - CFO Conference Call Participants Jamie Friedman - Susquehanna John Davis - Raymond James Vasu Govil - KBW Jeff Goldstein - Morgan Stanley Chris Kennedy - William Blair Operator Good day, and welcome to the EVERTEC Third Quarter 2022 Earnings Call. All participants will be in listen-only mode. [Operator Instructions] After today’s pr ...

10 010 ,01040 Third Quarter 2022 Earnings Conference Call 0101010101010 01010401010101010101 0 1 7 0 1 0 1 0 1 0 1 0 1 0 1 0 1 0 0 0 1 0 November 2, 2022 evertec. Forward-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. Such forward-looking statements involve known and unknown risks, uncertainties, and other factors that may cause the actual results ...

Table of Contents UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, DC 20549 FORM 10-Q ☒ QUARTERLY REPORT PURSUANT TO SECTION 13 OR 15(D) OF THE SECURITIES EXCHANGE ACT OF 1934 For the quarterly period ended September 30, 2022 or ☐ TRANSITION REPORT PURSUANT TO SECTION 13 OR 15(D) OF THE SECURITIES EXCHANGE ACT OF 1934 For the transition period from to COMMISSION FILE NUMBER 001-35872 EVERTEC, Inc. (EXACT NAME OF REGISTRANT AS SPECIFIED IN ITS CHARTER) Puerto Rico 66-0783622 (State or other juris ...

EVERTEC, Inc. (NYSE:EVTC) Q2 2022 Earnings Conference Call August 4, 2022 4:30 PM ET Company Participants Kevin Hunt - IR Mac Schuessler - President and CEO Joaquin Castrillo - CFO Conference Call Participants Bob Napoli - William Blair Vasu Govil - KBW John Davis - Raymond James Jeff Goldstein - Morgan Stanley Jamie Friedman - Susquehanna Operator Good afternoon, everyone, and welcome to the EVERTEC Second Quarter 2022 Earnings Conference Call. Today's conference call is being recorded. At this time, I wou ...

Table of Contents UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, DC 20549 FORM 10-Q ☒ QUARTERLY REPORT PURSUANT TO SECTION 13 OR 15(D) OF THE SECURITIES EXCHANGE ACT OF 1934 For the quarterly period ended June 30, 2022 or ☐ TRANSITION REPORT PURSUANT TO SECTION 13 OR 15(D) OF THE SECURITIES EXCHANGE ACT OF 1934 For the transition period from to COMMISSION FILE NUMBER 001-35872 EVERTEC, Inc. (EXACT NAME OF REGISTRANT AS SPECIFIED IN ITS CHARTER) Puerto Rico 66-0783622 (State or other jurisdicti ...

EVERTEC, Inc. (NYSE:EVTC) Q1 2022 Results Conference Call April 28, 2022 4:30 PM ET Company Participants Kevin Hunt - Investor Relations Mac Schuessler - President & Chief Executive Officer Joaquin Castrillo - Chief Financial Officer Conference Call Participants Vasu Govil - KBW Jamie Friedman - Susquehanna Bob Napoli - William Blair John Davis - Raymond James Jeff Goldstein - Morgan Stanley Operator Good afternoon, everyone, and welcome to EVERTEC's First Quarter 2022 Earnings Conference Call. Today's conf ...

Table of Contents UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, DC 20549 FORM 10-Q ☒ QUARTERLY REPORT PURSUANT TO SECTION 13 OR 15(D) OF THE SECURITIES EXCHANGE ACT OF 1934 For the quarterly period ended March 31, 2022 or ☐ TRANSITION REPORT PURSUANT TO SECTION 13 OR 15(D) OF THE SECURITIES EXCHANGE ACT OF 1934 For the transition period from to COMMISSION FILE NUMBER 001-35872 EVERTEC, Inc. (EXACT NAME OF REGISTRANT AS SPECIFIED IN ITS CHARTER) Puerto Rico 66-0783622 (State or other jurisdict ...