Financial Performance - Total revenue reached $229.6 million, reflecting an 8% year-over-year growth, or 10% on a constant currency basis[10] - Adjusted EBITDA was $92.6 million, an 8% increase year-over-year, with an adjusted EBITDA margin of 40.3%[10] - Adjusted EPS grew by 7% year-over-year to $0.89[10] - Operating cash flow was approximately $86.1 million[9] Segment Performance - Merchant Acquiring revenue increased by 4% year-over-year to $47.3 million, with adjusted EBITDA up 10% to $20.0 million[23, 14] - Payment Services in Puerto Rico and the Caribbean saw a 4% revenue increase to $56.4 million, with adjusted EBITDA up 5% to $33.0 million[25, 14] - Latin America Payments and Solutions experienced a 15% revenue growth to $86.1 million, or 20% on a constant currency basis, with adjusted EBITDA up 33% to $23.3 million[28, 19] - Business Solutions revenue grew by 4% year-over-year to $64.5 million, but adjusted EBITDA decreased by 13% to $26.0 million[30, 14] Liquidity and Capital Allocation - The company returned $6.4 million to shareholders through dividends and executed $3.7 million in share repurchases[11] - Liquidity stood at $484.5 million as of June 30, 2025[11] Outlook - The company projects revenue between $901 million and $909 million, representing a GAAP growth of 6.6% to 7.6%[40] - Adjusted EPS is projected to be between $3.44 and $3.52, reflecting a growth of 4.8% to 7.0%[40]

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 ...

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]