romoros = rotororororororororomoro, oro or Forward-looking Statements Q2 2023 Financial Highlights Adjusted EPS $0.71, increased 6% 4 Increased sales volumes Economic Activity Index was up 1.8% YoY in the month of May Revenue contribution from acquisitions: BBR and paySmart Consolidated Results Q2 2023 (1) Adjusted EBITDA, Adjusted Net Income and Adjusted EPS are compared with prior year recast figures. See Non-GAAP reconciliation summary in appendix, p.19 for current year reconciliation and prior year reca ...

EVERTEC, Inc (NYSE:EVTC) Q2 2023 Earnings Conference Call July 26, 2023 4:30 PM ET Company Participants Beatriz Brown-Sáenz - Investor Relations Mac Schuessler - President and Chief Executive Officer Joaquin Castrillo - Chief Financial Officer Conference Call Participants John Davis - Raymond James Marc Feldman - William Blair Operator Good afternoon, everyone and welcome to EVERTEC’s Second Quarter 2023 Earnings Conference Call. Today’s conference call is being recorded. [Operator Instructions] I would now ...

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 ...

Revenue Performance - Total revenues for the three months ended September 30, 2022, were $145,803, compared to $145,883 for the same period in 2021, reflecting a slight decrease of 0.05%[20] - Total revenues for the nine months ended September 30, 2022, were $456,622,000, compared to $434,559,000 for the same period in 2021, representing a growth of approximately 5.5%[126] - Total revenues for the quarter ended September 30, 2022 were $145.8 million, relatively flat compared to the prior year quarter[143] - Total revenues for the nine months ended September 30, 2022 were $456.6 million, an increase of $22.1 million or 5% compared to the prior year[152] - Revenue from products and services transferred over time for the nine months ended September 30, 2022, was $447.0 million, compared to $428.8 million for the same period in 2021[84] - Revenue concentration with Popular was 35% for the three months and 40% for the nine months ended September 30, 2022, down from 41% and 42% in the comparable periods of 2021[111] Net Income and Earnings - Net income attributable to EVERTEC, Inc.'s common stockholders for the three months ended September 30, 2022, was $137,814, significantly up from $35,314 in the same period of 2021, representing a growth of 289.5%[20] - Net income for the nine months ended September 30, 2022, was $210.2 million, compared to $120.0 million for the same period in 2021, representing a 75.1% increase[26] - Net income for 2022 was $137.739 million, a significant increase from $35.260 million in 2021, representing a growth of approximately 290%[209] - Diluted net income per common share (GAAP) for 2022 was $2.06, up from $0.48 in 2021, representing an increase of approximately 328%[209] - Net income per common share for the three months ended September 30, 2022, was $2.08, compared to $0.49 for the same period in 2021, indicating a substantial increase[20] Operating Costs and Expenses - Operating costs and expenses for the three months ended September 30, 2022, totaled $121,985, an increase of 23.4% from $98,866 in the same period of 2021[20] - Operating costs and expenses for the nine months ended September 30, 2022, were $340,112,000, an increase from $288,251,000 in 2021, reflecting a rise of about 18%[126] - Cost of revenues for the same period increased by $13.3 million or 21% to $76.3 million, primarily due to new revenue sharing agreements and increased personnel costs[144] - Selling, general and administrative expenses rose by $8.9 million or 52% to $26.0 million, driven by increased professional fees related to corporate transactions[145] Cash Flow and Investments - Net cash provided by operating activities was $159.0 million for the nine months ended September 30, 2022, down from $175.9 million in the prior year, a decrease of 9.8%[26] - The company reported a net cash used in investing activities of $106.0 million for the nine months ended September 30, 2022, compared to $60.3 million in the same period of 2021, indicating an increase of 75.9%[26] - Cash and cash equivalents at the end of the period were $224.9 million, down from $244.1 million at the end of the previous year, a decrease of 7.0%[26] - Net cash used in financing activities was $99.5 million, an increase of $25.4 million, mainly due to share repurchases totaling $48.1 million[191] Assets and Liabilities - Total assets as of September 30, 2022, were $1,120,968, a decrease from $1,144,756 as of December 31, 2021[16] - Current liabilities increased to $178,915 as of September 30, 2022, compared to $152,884 as of December 31, 2021, marking a rise of 17.0%[16] - Total liabilities as of September 30, 2022, were $665,713, down from $674,488 as of December 31, 2021[16] - The company’s accumulated earnings as of September 30, 2022, were $480,740, a decrease from $506,051 as of December 31, 2021[16] Shareholder Returns - Cash dividends declared on common stock were $3,338 for the quarter ended June 30, 2022[22] - The company declared quarterly cash dividends of $0.05 per share of common stock on three occasions in 2022, totaling $0.15 per share for the year[106] - The company declared a quarterly cash dividend of $0.05 per share on October 20, 2022, to be paid on December 2, 2022, indicating a commitment to returning value to shareholders[130] Segment Performance - The Payment Services - Puerto Rico & Caribbean segment generated revenues of $44,592 thousand for the three months ended September 30, 2022, compared to $38,773 thousand in the same period of 2021[123] - The Merchant Acquiring segment reported revenues of $36,911 thousand for the three months ended September 30, 2022, compared to $37,606 thousand in the same period of 2021[123] - The Business Solutions segment generated revenues of $49,306 thousand for the three months ended September 30, 2022, compared to $58,134 thousand in the same period of 2021[123] - Payment Services - Latin America segment revenues rose by $6.9 million to $33.7 million for the three months ended September 30, 2022, primarily due to organic growth and revenue from the BBR acquisition[176] Other Financial Metrics - Adjusted EBITDA for the three months ended September 30, 2022, was $52,374 thousand, an increase from $69,770 thousand in the same period of 2021[124] - Adjusted EBITDA for the nine months ended September 30, 2022, was $201,134,000, compared to $218,920,000 in 2021, indicating a decrease of approximately 8.1%[126] - The company reported a provision for expected credit losses of $3.4 million for the nine months ended September 30, 2022, compared to $1.4 million in the prior year, an increase of 136.5%[26] - The company recorded a gain on the sale of a business amounting to $135.6 million, with total consideration for the sale being $184.7 million[44]

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 ...