Fourth Quarter Earnings Conference Call February 26, 2026 #FF6C0C #0DD3AD #58595B Font: #7D868C #58595B Font: #4C5B69 #7D868C #4C5B69 Foward 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. 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 A ...

Third Quarter Earnings Conference Call November 6, 2025 Foward 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. 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 ...

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]

Financial Data and Key Metrics Changes - Total revenue for 2020 was approximately $511 million, up 5% compared to 2019, exceeding initial expectations [9] - Adjusted EBITDA for the year was $240 million, an increase of 6% [9] - Adjusted earnings per share were $2.07, also up 6% [9] - For Q4 2020, total revenue was $134.2 million, up 6% from $127.2 million in the prior year [32] - Adjusted EBITDA for Q4 was $63.9 million, a 16% increase from $55.3 million in the prior year [33] - Adjusted net income for Q4 was $42.8 million, up 23% compared to the prior year [34] Business Line Data and Key Metrics Changes - Merchant Acquiring revenue increased 8% year-over-year to approximately $29.3 million in Q4, driven by higher sales volume and increased spread [37] - Payment Services - Puerto Rico & Caribbean segment revenue was $34.1 million in Q4, up 5% year-over-year, benefiting from digital transaction growth [41] - Payment Services - Latin America revenue was approximately flat at $22 million in Q4, impacted by anticipated penetration and negative effects on year-over-year growth [45] - Business Solutions revenue increased 6% to $60.5 million in Q4, benefiting from CPI increases and COVID-related services [49] Market Data and Key Metrics Changes - In Puerto Rico, unemployment levels have improved since the pandemic began, but remain significantly higher than prior years [15] - The federal stimulus payments supported an increase in sales lines in Q4, although transactions were down compared to the prior year [16] - In Latin America, Q4 revenue was flat year-over-year due to the ongoing impact of COVID-19 [23] Company Strategy and Development Direction - The company anticipates benefiting from the consolidation in the banking industry in Puerto Rico, which is expected to positively impact merchant segment growth rates [11] - There is a focus on digital transactions, with plans to launch a new mobile app for electronic benefit users [13] - The company aims to shift from a licensing model to a processing model to grow with payment transaction trends and expand recurring revenue [28] - Acquisitions will continue to be important for growth, leveraging a strong local presence and financial capacity [29] Management's Comments on Operating Environment and Future Outlook - Management expressed confidence in the growth opportunities in Puerto Rico and Latin America, driven by the transition from cash to digital payments [24] - The company expects revenue growth in 2021 to be in the range of $533 million to $544 million, representing a 4% to 7% increase [58] - The first half of 2021 is anticipated to see strong revenue growth due to stimulus programs, while the second half may be flat to down [60] Other Important Information - The company generated significant operating cash flow of $199 million and had a liquidity of $320 million as of December 31, 2020 [10][56] - The company returned approximately $22 million to shareholders through stock buybacks and dividends [10][55] - The company was included in the Bloomberg Gender Equality Index for the third consecutive year, highlighting its commitment to diversity [29] Q&A Session Summary Question: Pipeline for additional deals in Latin America - Management noted a strong pipeline of organic deals in Latin America, with recent implementations including Citibanamex and Mercado Libre [70][71] Question: Capital strategy and M&A pipeline - Management emphasized a focus on appropriate capital allocation and ongoing evaluation of M&A opportunities, while also investing in organic growth [75][76] Question: Inactive merchants and sales improvement - The number of inactive merchants has returned to pre-pandemic levels, with sales improvements being broad-based across various verticals [86] Question: Growth in Business Solutions segment - Management indicated that specific projects, such as the Department of Education contract, have driven faster growth in the Business Solutions segment, but future growth may revert to low-single digits [88] Question: Expansion of ATH Movil product outside Puerto Rico - While the ATH Movil product has not been sold extensively outside Puerto Rico, management is exploring opportunities and expanding product offerings in other regions [90]