EVERTEC, Inc. (EVTC) FY2025 10-K Annual Report
EVERTEC, Inc. (EVTC) 10-K annual report for fiscal year 2025, filed with SEC EDGAR on Mar 2, 2026. This page provides AI-powered analysis including business overview, management discussion & analysis (MD&A), risk factors, and key financial data such as revenue, net income, gross margin, operating margin, and return on equity (ROE) extracted from XBRL.
EVERTEC, Inc. FY2025 10-K Analysis
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)
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
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
EVERTEC, Inc. FY2025 Key Financial MetricsXBRL
Revenue
$932M
▲ +10.2% YoY
Net Income
$142M
▲ +25.7% YoY
Operating Margin
20.0%
▲ +41bp YoY
Net Margin
15.2%
▲ +187bp YoY
ROE
22.8%
▼ -106bp YoY
Total Assets
$2.2B
▲ +20.8% YoY
EPS (Diluted)
$2.20
▲ +27.2% YoY
Operating Cash Flow
$227M
▼ -12.7% YoY
Source: XBRL data from EVERTEC, Inc. FY2025 10-K filing on SEC EDGAR. All figures in USD.
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