EVTC EVERTEC, Inc.

company

SEC Filings & Insider Trading Activity 2026

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

What are the latest EVTC SEC filings in 2026?

EVERTEC, Inc. (EVTC) has filed a 10-K annual report on March 2, 2026, a 10-Q quarterly report on May 7, 2026, an 8-K current report on August 4, 2026 with the SEC. SignalX tracks every new SEC EDGAR filing daily, including 10-K, 10-Q, 8-K, and Form 4 insider transactions, with AI-powered summaries of key sections.

When did EVTC file its most recent 10-K annual report?

EVERTEC, Inc. (EVTC) filed its most recent 10-K annual report on March 2, 2026. The 10-K includes audited financial statements, business overview, risk factors, and management discussion, all available on SignalX with AI-generated summaries and XBRL financial data.

How do I view EVTC 10-Q quarterly reports?

EVERTEC, Inc. (EVTC)'s most recent 10-Q quarterly report was filed on May 7, 2026. SignalX displays every EVTC 10-Q with AI-generated summaries of the MD&A (Management Discussion & Analysis) and Risk Factors sections, plus links to the original SEC EDGAR document.

What 8-K current reports has EVTC filed recently?

EVERTEC, Inc. (EVTC)'s most recent 8-K was filed on August 4, 2026. 8-K filings disclose material corporate events such as earnings releases, executive changes, mergers, and other significant developments. SignalX surfaces each 8-K with item-level summaries so you can quickly see what happened.

Where can I find EVTC insider trading activity (Form 4)?

SignalX aggregates every EVTC Form 4 insider transaction from SEC EDGAR. Form 4 reports show when officers, directors, and 10% shareholders buy or sell company stock, with transaction code, share count, and price per share.

How often does EVTC file with the SEC?

EVERTEC, Inc. (EVTC) files a 10-K annual report once per year (typically within 60 days of fiscal year-end) and 10-Q quarterly reports three times per year. 8-K current reports are filed as needed when material events occur, and Form 4 insider transaction reports are due within two business days of a trade. SignalX monitors SEC EDGAR daily to surface every new EVTC filing with AI-powered analysis.

What is the difference between 10-K, 10-Q, and 8-K SEC filings?

A 10-K is a comprehensive annual report with audited financials, business overview, and risk factors. A 10-Q is a shorter quarterly report with unaudited financials and management discussion. An 8-K is a current report filed when a material event occurs, such as earnings releases, executive changes, acquisitions, or other significant developments. SignalX provides AI-generated summaries for all three filing types for EVERTEC, Inc. (EVTC).

What is EVTC's SEC CIK number?

EVERTEC, Inc. (EVTC)'s SEC CIK (Central Index Key) number is 1559865. The CIK is a unique identifier assigned by the SEC to every filing entity. You can use CIK 1559865 to look up all EVTC filings on SEC EDGAR, or browse them here on SignalX with AI-powered analysis.

Where can I find EVTC return on equity (ROE) and financial data?

SignalX extracts XBRL financial data from EVERTEC, Inc. (EVTC) 10-K annual filings, including revenue, net income, gross profit, operating income, EPS, total assets, stockholders' equity, and operating cash flow. Return on equity (ROE) can be derived from net income divided by stockholders' equity. Multi-year financial trends are displayed in the Financial Summary table above.