EVTC at a glance
EVERTEC, Inc. (EVTC, SEC CIK 1559865) filed its latest 10-K annual report on March 2, 2026, a 10-Q quarterly report on August 6, 2026, an 8-K current report on August 4, 2026 and Form 4 insider filings as recently as September 8, 2026. SignalX summarizes each filing with AI and tracks the company's insider trades and institutional holders.
- For the fiscal year ended December 31, 2025 (FY2025), EVERTEC, Inc. (EVTC) reported revenue of $931.8 million (up 10.2% from FY2024) and net income of $141.6 million. Diluted EPS was $2.20.
- As of June 30, 2026, 31 institutional investment managers tracked by SignalX reported holding EVERTEC, Inc. (EVTC) shares worth $1.0 billion in 13F-HR filings.
- The most recent insider open-market sale reported on Form 4 was by Polak Aldo J. on September 3, 2026 of 1,094 shares at $30.37 per share.
- In the last 90 days, EVTC insiders reported 0 open-market purchases ($0) and 6 open-market sales ($1.5M) on Form 4, a net sale of $1.5M.
Source: SEC EDGAR (XBRL financial data, 13F-HR and Form 4 filings).
- Revenue · FY2025
- $931.8M
- +10.2% vs prior year
- Insiders · 90 days
- 0 buys · 6 sells
- Net −$1.5M
- 13F holders
- 31 funds
- $1.0B · +0 vs prior quarter
- Latest 8-K
- Aug 4, 2026
- Item 2.02 · Item 8.01
AI 10-K Annual Report Analysis
Latest 10-K, fiscal year ended Dec 31, 2025
Business Overview
- Core business: Payment processing and merchant acquiring services focused on financial institutions and card networks, with emphasis on Puerto Rico and Latin America
- New emphasis: Recent acquisitions including Sinqia (Nov 2023), Tecnobank (Oct 2025, 75% ownership), and planned acquisition of Dimensa S.A. (Jan 2026)
- Strategic shift: Expansion into Latin American fintech and banking platforms via acquisitions to diversify beyond Puerto Rico market dependency
- Notable metric: Approximately 61% of revenues from Puerto Rico operations in 2025, slight decline from 64% in 2024; employment requirement tied to tax exemption grant mandates ≥700 Puerto Rico employees
- Distinctive risk factor: Preferential tax exemption grant expiring in 2026, requiring significant employee retention and capital investments; potential material adverse effect if not renewed
Risk Factors
- Regulatory/legal risk: Data privacy compliance under evolving state, federal, and foreign laws risks claims, penalties, and operational changes impacting financial condition
- Geopolitical/macroeconomic threat: High customer concentration with Banco Popular at 29% revenue exposes to contract non-renewal or payment failure risk through 2028
- Operational/supply chain vulnerability: Dependence on third-party IT and cloud providers plus own systems heightens risk of cyberattacks and technology failures disrupting critical transaction processing
- Competitive/market disruption risk: Inability to adopt emerging POS technologies risk losing merchant acquiring business versus tech-savvy competitors
- Financial/structural risk: Reliance on key contracts (A&R MSA, ISO, ATH Agreements) with Banco Popular through 2028-2035 creates renewal and revenue concentration risk
Management Discussion & Analysis
- Revenue $931.8M, up $86.3M or 10% YoY driven by organic growth and acquisitions across all segments
- Operating margin 20.0% ($186.4M operating income / $931.8M revenue) vs 19.6% ($165.7M / $845.5M) in 2024
- Best performing segment: Merchant Acquiring with sales volume growth and improved spread; worst impacted by Pix incident costs in Latin America payments
- Cash flow: $150M authorized share repurchase program through Dec 2026; no specific capex or dividends disclosed in MD&A
- Forward outlook: growth driven by electronic payment adoption, innovations in digital payments (ATH Movil, Pix), and expansion in Latin America; risks include economic uncertainty, inflation, FX fluctuations
AI summary of the EVTC 10-K filed . Generated from the filing text; verify against the original.View on SEC EDGARHow to read a 10-K
AI 10-Q Quarterly Report Analysis
Latest 10-Q, quarter ended Jun 30, 2026
Management Discussion & Analysis
- Quarterly revenue $274.8M, up 20% from $229.6M YoY
- Operating margin 19.4% vs 24.4% YoY, with operating income $53.3M vs $56.1M
- Best segment Latin America Payments and Solutions, revenue $130.9M and EBITDA margin 30.3% vs 27.1%
- Payment Services Puerto Rico & Caribbean revenue $60.9M, EBITDA margin 60.6% vs 58.5%
- Headwinds from Popular’s 10% discount, cybersecurity remediation costs, higher debt expense, and foreign-exchange losses
Risk Factors
- Share-repurchase authorization increased to $150 million through December 31, 2027
- Repurchases totaled 1,907,437 shares at an average $25.21 per share
- Remaining authorization totaled $82,952,504 as of June 30, 2026
- No defaults upon senior securities reported
AI summary of the EVTC 10-Q filed . Generated from the filing text; verify against the original.View on SEC EDGAR10-K vs 10-Q vs 8-K
AI 8-K Current Report Analysis
The most recent material events, by 8-K item
Item 2.02: Results of Operations and Financial Condition
- Preliminary second-quarter results for period ended June 30, 2026
- Press release contains the financial results and operating details
Item 8.01: Other Events
- Repurchase authorization increased to $150 million, signaling capital-return priority and management confidence in Evertec’s valuation
- Approximately $83.0 million remained before the authorization increase, indicating substantial unused capacity
Item EX-99.1: Item EX-99.1
- Q2 revenue rose 20% to $274.8M, with 16% constant-currency growth, indicating broad organic and acquisition-driven momentum
- Adjusted EBITDA increased 18% to $109.3M, though margin declined to 39.8% from 40.3% as Latin America expanded
Item 7.01: Regulation FD Disclosure
- Quarterly cash dividend of $0.05 per share declared on July 23, 2026
- September 4, 2026 payment date for shareholders of record August 3, 2026
Item 8.01: Other Events
- Cyber incident disclosed May 13, 2026, involving unauthorized access through a third-party support platform
- Exposed information potentially includes transaction records, payment card numbers, names, and contact details
AI summaries of EVTC 8-K current reports filed with the SEC. What 8-K item codes mean
SignalX for EVTC
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Recent Insider Transactions (Form 4)
Latest reported trades by officers, directors and 10% owners
| Insider | Type | Date | Shares | Price |
|---|---|---|---|---|
| Polak Aldo J. | Sell | Sep 3, 2026 | 1,094 | $30.37 |
| Polak Aldo J. | Sell | Aug 28, 2026 | 1,000 | $30.09 |
| Polak Aldo J. | Sell | Aug 21, 2026 | 1,000 | $29.80 |
| Perez-Surillo Paola | Sell | Aug 14, 2026 | 17,486 | $31.56 |
| Viglianco Diego | Sell | Aug 12, 2026 | 27,570 | $30.32 |
| Polak Aldo J. | Sell | Aug 11, 2026 | 1,000 | $29.50 |
| SMITH BRIAN JOHN | Buy | Jun 12, 2026 | 16,202 | $26.42 |
| Pagan Ivan | F | Jun 3, 2026 | 822 | $25.11 |
Financial SummaryXBRL
| Metric | FY2023 | FY2024 | FY2025 |
|---|---|---|---|
| Profitability | |||
| Revenue | - | $845.5M | $931.8M |
| Operating Income | - | $165.7M | $186.4M |
| Net Income | $79.7M | $112.6M | $141.6M |
| Op. Margin | - | 19.6% | 20.0% |
| Net Margin | - | 13.3% | 15.2% |
| Balance Sheet | |||
| Total Assets | $2.1B | $1.9B | $2.2B |
| Equity | - | $472.5M | $621.6M |
| ROE | - | 23.8% | 22.8% |
| Per Share | |||
| EPS | $1.21 | $1.73 | $2.20 |
| Cash Flow | |||
| Operating CF | - | $260.1M | $227.0M |
| CapEx | $21.5M | $25.4M | $23.3M |
Source: XBRL data in EVERTEC, Inc. (EVTC)'s 10-K filings on SEC EDGAR, in USD. Compare across companies →
13F Fund Holdings: Quarterly Trend
Latest: Q2 2026Aggregate EVTC share value held by 13F filers tracked by SignalX, by quarter.
Quarterly totals table
| Quarter | Funds | Total value |
|---|---|---|
| Q2 2026 | 31 | $1.01B |
| Q1 2026 | 31 | $1.04B |
| Q4 2025 | 29 | $1.07B |
| Q3 2025 | 30 | $1.26B |
| Q2 2025 | 29 | $1.32B |
| Q1 2025 | 27 | $979.1M |
| Q4 2024 | 22 | $888.7M |
| Q3 2024 | 20 | $298.6M |
- AQR Capital Management+546.6K (+338%)
- T. Rowe Price Group+286.9K (+43%)
- Ameriprise Financial+251.6K (+43%)
- State Street Corp+102.3K (+4%)
- Raymond James Financial+52.8K (+130%)
- FMR LLC (Fidelity)−458.2K (-5%)
- D.E. Shaw & Co−281.2K (-43%)
- Millennium Management−194.5K (-32%)
- Morgan Stanley−182.1K (-28%)
- Goldman Sachs Group−157.6K (-47%)
- Allstate+37.1K
Source: 13F-HR filings on SEC EDGAR (aggregated from 219 fund-quarter rows). Reflects only 13F filers tracked by SignalX, not the full institutional ownership universe. How 13F filings work
EVTC filing archive
AI analysis pages for each 10-K, 10-Q and 8-K
10-K annual reports
10-Q quarterly reports
Latest 2026 SEC Filings: 10-K, 10-Q, 8-K & Form 4
| Form | Filing date | Period | Analysis | SEC |
|---|---|---|---|---|
| 4 | Sep 8, 2026 | - | - | - |
| 4 | Aug 31, 2026 | - | - | - |
| 4 | Aug 24, 2026 | - | - | - |
| 4 | Aug 14, 2026 | - | - | - |
| 4 | Aug 13, 2026 | - | - | - |
| 4 | Aug 13, 2026 | - | - | - |
| 10-Q | Aug 6, 2026 | Jun 30, 2026 | Analysis | |
| 8-K | Aug 4, 2026 | - | Analysis | - |
| 8-K | Jul 23, 2026 | - | Analysis | - |
| 4 | Jun 12, 2026 | - | - | - |
| 8-K | Jun 9, 2026 | - | Analysis | |
| 4 | Jun 3, 2026 | - | - | |
| 4 | May 26, 2026 | - | - | |
| 4 | May 26, 2026 | - | - | |
| 4 | May 26, 2026 | - | - | |
| 4 | May 26, 2026 | - | - | |
| 4 | May 26, 2026 | - | - | |
| 4 | May 26, 2026 | - | - | |
| 4 | May 26, 2026 | - | - | |
| 4 | May 26, 2026 | - | - | |
| 4 | May 26, 2026 | - | - | |
| 8-K | May 21, 2026 | - | Analysis | |
| 8-K | May 20, 2026 | - | Analysis | |
| 4 | May 12, 2026 | - | - | |
| 4 | May 12, 2026 | - | - |
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EVTC SEC filings: frequently asked questions
Are EVTC insiders buying or selling?
In the last 90 days, EVERTEC, Inc. (EVTC) officers, directors and 10% owners reported no open-market purchases and 6 open-market sales worth $1.5 million by 3 insiders on Form 4. Many insider sales are pre-planned or for taxes, so purchases usually carry more information.
Which institutions hold EVTC stock?
As of June 30, 2026, the largest EVERTEC, Inc. (EVTC) holders among the 13F filers tracked by SignalX were BlackRock ($254.5 million), FMR LLC (Fidelity) ($244.4 million), Vanguard Portfolio Management LLC ($110.0 million), Vanguard Capital Management LLC ($76.8 million), State Street Corp ($72.4 million). 13F-HR reports are filed up to 45 days after each quarter ends.
What was EVTC's revenue in fiscal year 2025?
For the fiscal year ended December 31, 2025 (FY2025), EVERTEC, Inc. (EVTC) reported revenue of $931.8 million (up 10.2% from FY2024) and net income of $141.6 million. Diluted EPS was $2.20. The figures come from the XBRL data in the 10-K.
What are the main risks in EVTC's latest 10-K?
In the 10-K filed March 2, 2026, EVERTEC, Inc. (EVTC) flagged: Regulatory/legal risk: Data privacy compliance under evolving state, federal, and foreign laws risks claims, penalties, and operational changes impacting financial condition. Geopolitical/macroeconomic threat: High customer concentration with Banco Popular at 29% revenue exposes to contract non-renewal or payment failure risk through 2028. (AI summary of the Risk Factors section.)
What did EVTC report in its latest 8-K?
EVERTEC, Inc. (EVTC) filed an 8-K on August 4, 2026 reporting Item 2.02 (Results of Operations and Financial Condition) and Item 8.01 (Other Events). Preliminary second-quarter results for period ended June 30, 2026.
What are the latest EVTC SEC filings?
EVERTEC, Inc. (EVTC) filed its latest 10-K annual report on March 2, 2026, a 10-Q quarterly report on August 6, 2026, an 8-K current report on August 4, 2026 and a Form 4 insider filing on September 8, 2026.
What is EVTC's SEC CIK number?
EVERTEC, Inc. (EVTC)'s SEC Central Index Key (CIK) is 1559865. EDGAR lists every EVTC filing under that number.
Ask anything about EVTC
The research agent reads EVTC's filings, financials, insider trades and 13F holders, then answers with sources.