Core Insights - Evertec reported revenue of $228.79 million for the quarter ended March 2025, reflecting an 11.4% increase year-over-year and a surprise of +4.88% over the Zacks Consensus Estimate of $218.15 million [1] - The company's EPS for the quarter was $0.87, up from $0.72 in the same quarter last year, with a surprise of +7.41% compared to the consensus estimate of $0.81 [1] Revenue Breakdown - Payment Services - Puerto Rico & Caribbean generated $55.16 million, exceeding the average estimate of $54.90 million, representing a year-over-year increase of +4% [4] - Payment Services - Latin America reported revenues of $83.78 million, surpassing the average estimate of $81.76 million, with a year-over-year growth of +12.9% [4] - Merchant acquiring, net revenues were $47.65 million, above the average estimate of $45.83 million, showing a +10.6% increase year-over-year [4] - Business solutions revenues reached $65.56 million, exceeding the average estimate of $60.27 million, with a year-over-year change of +12.8% [4] - Corporate and Other segment reported a loss of -$23.35 million, better than the average estimate of -$24.23 million, with a year-over-year change of +0.9% [4] Stock Performance - Over the past month, Evertec's shares have returned +8.2%, while the Zacks S&P 500 composite has changed by +10.6% [3] - The stock currently holds a Zacks Rank 3 (Hold), indicating expected performance in line with the broader market in the near term [3]

Earnings Performance - Evertec reported quarterly earnings of $0.87 per share, exceeding the Zacks Consensus Estimate of $0.81 per share, and up from $0.72 per share a year ago, representing an earnings surprise of 7.41% [1] - The company has surpassed consensus EPS estimates for four consecutive quarters [2] Revenue Performance - Evertec posted revenues of $228.79 million for the quarter ended March 2025, surpassing the Zacks Consensus Estimate by 4.88%, and up from $205.32 million year-over-year [2] - The company has also topped consensus revenue estimates for four consecutive quarters [2] Stock Performance and Outlook - Evertec shares have declined approximately 0.1% since the beginning of the year, while the S&P 500 has decreased by 4.7% [3] - The company's future stock performance will largely depend on management's commentary during the earnings call and the trends in earnings estimate revisions [3][4] Earnings Estimates - The current consensus EPS estimate for the upcoming quarter is $0.89 on revenues of $224.81 million, and for the current fiscal year, it is $3.41 on revenues of $893.96 million [7] Industry Context - The Financial Transaction Services industry, to which Evertec belongs, is currently ranked in the top 36% of over 250 Zacks industries, indicating a favorable outlook compared to the bottom 50% [8]

Financial Data and Key Metrics Changes - Revenue for Q1 2025 was $228.8 million, an 11.4% increase year-over-year, with currency headwinds of approximately 3.3% [6][13] - Adjusted EBITDA was $89.4 million, up approximately 14% year-over-year, with an adjusted EBITDA margin of 39.1%, reflecting a 100 basis point increase from the previous year [6][14] - Adjusted EPS was $0.87, a 21% increase year-over-year, driven by strong adjusted EBITDA growth and lower interest expenses [7][14] - Operating cash flows generated were approximately $37.6 million, with liquidity remaining strong at approximately $460 million as of March 31 [7][22] Business Line Data and Key Metrics Changes - Merchant Acquiring revenue grew 11% year-over-year to $47.6 million, benefiting from improved spreads and increased sales volumes [8][15] - Payments Puerto Rico revenue increased by 4% to $55.2 million, driven by ATH Mobile and higher POS transaction volumes [9][16] - Latin America Payments and Solutions revenue grew 13% year-over-year to $83.8 million, or 22% in constant currency, with strong organic growth driven by the GETNA Chile relationship [10][18] - Business Solutions revenue increased by 13% to $65.6 million, primarily due to key projects and one-time hardware and software sales [19] Market Data and Key Metrics Changes - The Puerto Rico economy remains stable, with total employment increasing and an unemployment rate around 5.5% [9] - LATAM revenue grew 13% year-over-year, with organic growth driven by initiatives in Brazil and the GETNA Chile relationship [10][18] Company Strategy and Development Direction - The company continues to focus on M&A as a key part of its strategy, with a robust pipeline of potential acquisitions [33] - The company is optimistic about its ability to navigate through macroeconomic uncertainties and is closely monitoring potential impacts on its business [26] Management's Comments on Operating Environment and Future Outlook - Management noted strong consumer confidence contributing to performance across segments, particularly in Merchant Acquiring and Latin America [30] - The company expects constant currency revenue growth for 2025 to be between $903 million to $911 million, representing a growth of 6.8% to 7.7% year-over-year [23] - Management acknowledged potential headwinds from customer attrition, particularly with MercadoLibre, impacting future performance [24] Other Important Information - The company has not seen material disruptions in any business segments but remains cautious about potential indirect impacts from tariffs and economic conditions in the countries served [11][12] - The adjusted effective tax rate for the quarter was 5.3%, aligning with expectations [14] Q&A Session Summary Question: Revenue performance and outperformance relative to expectations - Management indicated that all segments outperformed original expectations, with strong consumer confidence and volume growth contributing to the results [30] Question: M&A strategy and positioning - The company remains focused on M&A, with a robust pipeline and optimism about potential acquisitions [33] Question: Performance in Brazil and relative growth - Management noted that Brazil's growth is back within expectations, driven by leadership changes and specific initiatives [39] Question: Economic conditions in LATAM and potential monitoring - Brazil is highlighted as a significant area to monitor due to currency fluctuations and economic conditions [40] Question: GetNet Chile partnership and its impact - The GetNet partnership is fully rolled out, contributing to strong performance, with over 200,000 active merchants using the technology [49] Question: Merchant margins and future trends - Margins are expected to face pressure moving forward due to the lapping of pricing actions and a decline in average ticket size [56] Question: Impact of MercadoLibre exit on future quarters - The impact of MercadoLibre's exit will not be fully felt until Q3, with partial effects expected in Q2 [58] Question: Benefits from hurricane relief funds in Puerto Rico - Management expects continued flow of relief funds, contributing to economic resilience in Puerto Rico [61]

Financial Data and Key Metrics Changes - Revenue for Q1 2025 was $228.8 million, an 11.4% increase year over year, with a currency headwind of approximately 3.3% [5][12] - Adjusted EBITDA was $89.4 million, up approximately 14% year over year, with an adjusted EBITDA margin of 39.1%, reflecting a 100 basis point increase from the previous year [5][12] - Adjusted EPS was $0.87, a 21% increase year over year, driven by strong adjusted EBITDA growth and lower interest expenses [6][13] - Operating cash flows generated were approximately $37.6 million, with liquidity remaining strong at approximately $460 million as of March 31 [6][20] Business Line Data and Key Metrics Changes - Merchant Acquiring revenue grew 11% year over year to $47.6 million, benefiting from higher spreads and sales volume growth [14] - Payments Puerto Rico revenue increased by 4% to $55.2 million, driven by ATH Mobile and higher POS transaction volumes [15] - Latin America Payments and Solutions revenue rose 13% year over year to $83.8 million, or 22% on a constant currency basis, with double-digit organic growth [16] - Business Solutions revenue increased approximately 13% to $65.6 million, primarily due to projects completed in the previous year and nonrecurring hardware and software sales [17] Market Data and Key Metrics Changes - The Puerto Rico economy remains stable, with total employment increasing and an unemployment rate near 5.5% [7] - In LATAM, revenue grew 13% year over year, with organic growth driven by the GETNA Chile relationship and a reacceleration in Brazil [8][16] - Currency fluctuations, particularly the devaluation of the Brazilian real, presented a 9% headwind in LATAM revenue [16] Company Strategy and Development Direction - The company continues to focus on M&A as a key part of its strategy, with a robust pipeline of potential acquisitions [31] - The company is optimistic about its ability to navigate through macroeconomic uncertainties and is closely monitoring potential impacts on its business [25] Management's Comments on Operating Environment and Future Outlook - Management noted strong consumer confidence contributing to performance, particularly in Merchant Acquiring and LATAM segments [29] - The company expects constant currency revenue growth for 2025 to be between $903 million to $911 million, representing a growth of 6.8% to 7.7% year over year [21] - Management acknowledged potential headwinds from customer attrition, particularly with MercadoLibre, impacting future performance [22] Other Important Information - The company paid down approximately $11.6 million in debt and returned $3.2 million to shareholders through dividends during the quarter [19] - The net debt position at quarter end was $704 million, with a net debt to trailing twelve-month adjusted EBITDA ratio of approximately 2.04 times [20] Q&A Session Summary Question: Revenue performance and outperformance relative to expectations - Management indicated that all segments outperformed original expectations, particularly in Merchant Acquiring and LATAM, driven by strong consumer confidence and volume growth [29] Question: M&A strategy and positioning - Management confirmed a focus on M&A, with a robust pipeline and ongoing interest in acquiring sizable assets [31] Question: Performance in Brazil and Chile - Management noted that Brazil's growth is back within expectations due to leadership changes and specific initiatives [36] Question: Economic monitoring in LATAM - Management highlighted Brazil as a significant focus due to currency fluctuations and potential economic impacts [38] Question: GetNet Chile partnership progress - Management confirmed that the GetNet partnership is fully rolled out and performing well, contributing to strong segment growth [43] Question: Merchant margins and future trends - Management explained that while margins increased due to pricing actions and transaction types, they expect pressure on margins moving forward [51] Question: Impact of MercadoLibre exit - Management indicated that the impact of MercadoLibre's exit will not be fully felt until Q3, with partial effects in Q2 [54] Question: Relief funds from previous hurricanes - Management confirmed that relief funds are continuing to flow through and positively impacting economic conditions in Puerto Rico [56]

This presentation will reference certain non-GAAP financial information. For a description and reconciliation of non-GAAP measures presented in this document, please see the appendix attached to this presentation or visit the Investor Relations section of the Evertec website at www.evertecinc.com. Business Summary Mac Schuessler, President and CEO First Quarter Earnings Conference call May 7, 2025 Foward looking statements Certain statements in this presentation constitute "forward-looking statements" withi ...

Exhibit 99.1 EVERTEC REPORTS FIRST QUARTER 2025 RESULTS Raises full year outlook SAN JUAN, PUERTO RICO – May 7, 2025 – EVERTEC, Inc. (NYSE: EVTC) ("Evertec" or the "Company") today announced results for the first quarter ended March 31, 2025. First Quarter 2025 Highlights and Recent Highlights Mac Schuessler, President and Chief Executive Officer stated "We are pleased to report another quarter of strong revenue and earnings growth, which demonstrates our continued focus on sustainable execution. Given our ...

Core Viewpoint - OppFi Inc. (OPFI) is expected to report first-quarter 2025 results on May 7, with revenue estimates of $137.7 million, indicating an 8.1% growth year-over-year, and earnings per share estimated at 26 cents, reflecting over 100% growth from the previous year [1] Financial Performance - The company has a strong earnings surprise history, beating the Zacks Consensus Estimate in the last four quarters with an average earnings surprise of 73% [2] - OPFI's Earnings ESP is currently at 0.00%, and it holds a Zacks Rank of 1 (Strong Buy) [3][4] Market Position and Strategy - OppFi's strategy focuses on providing affordable credit to underbanked customers, a market projected to grow at a 13% CAGR, reaching $7 trillion by 2032 [5] - The company targets subprime and non-prime credit holders often overlooked by traditional financial institutions [6] Stock Performance - OppFi shares have increased by 245.3% over the past year, outperforming the industry average of 21.7% and the Zacks S&P 500 composite's 10.7% rise [7] - The stock is currently trading at a trailing 12-month price-to-earnings ratio of 8.70, significantly lower than the industry average of 22.84 and cheaper than peers Corpay and Evertec [10] Operational Efficiency - In Q4 2024, total net originations grew by 11% year-over-year, driven by bank partners expanding into new states and improved lead evaluation capabilities [11] - The proportion of net charge-offs to revenue decreased from 46% to 42%, indicating better asset quality and risk management [12] - The company's machine learning models improved credit evaluation, increasing average yield to 130% from 127% year-over-year [13] - Automated loan approval technology approved 79.5% of loans without human intervention, a 630 basis point increase from the previous year, enhancing cost management [14] Investment Outlook - OppFi is positioned to benefit from bank partnerships and improved risk management through its machine learning models, which reduce losses [15] - The company is fundamentally strong with a discounted valuation, suggesting potential for continued stock price appreciation [17]

Core Viewpoint - Investors in the Financial Transaction Services sector should consider Evertec (EVTC) and Visa (V) as potential value opportunities, with a current analysis suggesting that EVTC presents a better value option based on various valuation metrics [1][7]. Valuation Metrics - Both EVTC and V have a Zacks Rank of 2 (Buy), indicating positive earnings estimate revisions and improving earnings outlooks [3]. - EVTC has a forward P/E ratio of 11.12, significantly lower than V's forward P/E of 31.22, suggesting that EVTC may be undervalued relative to its earnings potential [5]. - The PEG ratio for EVTC is 1.77, while V's PEG ratio is 2.33, indicating that EVTC has a more favorable valuation when considering expected earnings growth [5]. - EVTC's P/B ratio stands at 5.06, compared to V's P/B of 17.52, further supporting the argument that EVTC is a more attractive value stock [6]. Value Grades - Based on the aforementioned metrics, EVTC has earned a Value grade of A, while V has received a Value grade of D, highlighting the relative undervaluation of EVTC [6].

Financial Data and Key Metrics Changes - Total revenue for 2024 was $845.5 million, a 22% increase year-over-year [8][25] - Adjusted EBITDA was $340.2 million, up approximately 17% year-over-year, with an adjusted EBITDA margin of 40.2% [10][26] - Adjusted EPS was $3.28, reflecting a 16% increase from the previous year [11][27] - Operating cash flows generated were approximately $260 million, with $95 million returned to shareholders through share repurchases and dividends [12][39] Business Line Data and Key Metrics Changes - Merchant Acquiring revenue grew by 11% due to pricing initiatives and increased sales volume [9] - Payments Puerto Rico revenue increased by 6%, driven by higher transaction volumes and strong performance from ATH Movil [9] - Business Solutions revenue grew by 7%, recognized from key projects that went into production [9] - LATAM revenue surged by 62% year-over-year, attributed to the full-year contribution of Sinqia and organic growth [10][17] Market Data and Key Metrics Changes - Economic conditions in Puerto Rico remained stable, with total employment at its highest since 2009 [13][14] - Passenger traffic at San Juan Airport grew approximately 9% year-over-year [15] - Puerto Rico received approximately $7 billion in reconstruction funds in 2024, with a similar amount expected for 2025 [16] Company Strategy and Development Direction - The company aims to focus on organic revenue growth, margin optimization, and capital allocation in 2025 [7] - Continued execution of acquisition strategy with two tuck-in deals closed in Q4, Grandata and Nubity [6] - The company is diversifying its revenue mix outside of Puerto Rico, with LATAM contributing approximately 33% of total revenue in 2024 [10] Management's Comments on Operating Environment and Future Outlook - Management expressed optimism about economic conditions in Puerto Rico supporting business growth through 2025 [16] - The company is focused on cost efficiency measures to offset a 10% discount on Popular services starting in Q4 2025 [11][47] - Management expects revenue growth for 2025 to be between $889 million to $899 million, reflecting a growth of 5.1% to 6.3% [42] Other Important Information - The company has a strong liquidity position of approximately $468 million as of December 31, 2024 [12][41] - The net debt position at year-end was $706.8 million, with a weighted average interest rate of approximately 6.45% [40][41] - Capital expenditures for 2024 were $88.4 million, with a target of approximately $85 million for 2025 [39][50] Q&A Session Summary Question: Thoughts on midterm guidance for growth profiles of segments - Management is currently focused on providing guidance for 2025 due to ongoing changes and integration efforts [54][56] Question: Update on Sinqia's growth and performance - Management noted that Sinqia's growth is reaccelerating, with a focus on technology upgrades and customer engagement [58][63] Question: Update on bringing EVERTEC's processing business into Brazil - Management is optimistic about small successes in payment products and is focused on improving existing businesses [68][70] Question: Contribution from pricing in Merchant segment growth - Pricing contributed approximately one-third to the growth, with expectations for a balanced contribution moving into 2025 [90][91] Question: State of the M&A market in Latin America - Management indicated a good M&A pipeline and a focus on smart deals for growth and diversification [92][94]