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EVERTEC EVTC Q3 2025 earnings

Reported November 6, 2025 · After market close

Revenue$228.6MMiss by $8.2M
EPS$0.92Beat by $0.03
Revenue estimate$236.8M
EPS estimate$0.89

Next report

Nov 5, 2026 (in 2 months)
Revenue estimate$274.0M
EPS estimate$0.97

Financials

Q3 2025

Income statement

See full
Revenue$228.6M+7.9%
Operating income$37.7M-9.2%
Net income$32.9M+33.2%
EPS (diluted)$0.51+34.2%

Balance sheet

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Cash & equivalents$508.0M+55.7%
Total debt$1.1B+11.7%
Total equity$663.8M+32.1%
Total assets$2.1B+13.4%

Cash flow

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Operating cash flow$70.9M+32.3%
CapEx$5.6M+46.9%
Free cash flow$65.3M+31.2%

Valuation & ratios

Valuation

as of 09/30/25
See full
Market cap$2.16B-0.3%
Enterprise value$2.78B-2.5%
P/E14.8×-11.0×
P/S2.4×-0.2×

Profitability

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Operating margin21.2%+4.3pp
Net margin16.2%+6.0pp
FCF margin23.3%-2.4pp

Returns & leverage

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Return on equity25.1%+8.8pp
Debt / equity1.7×-0.3×
Current ratio2.9×+0.9×

Segments

By segment

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Latin America Payments and Solutions$90.4M+18.9%
Business Solutions$61.7M+0.9%
Payment Services - Puerto Rico & Caribbean$55.2M+4.7%
Merchant Acquiring, net$46.8M+2.9%

By product

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Transaction Processing and Monitoring Fees-$3.6M+2.7%
Software Sale and Developments-$7.0M-27.3%
Processing Fee-$14.9M-3.5%

By geography

See full
Latin America$85.7M+21.7%
Caribbean$5.3M+4.9%

FAQ

When did EVERTEC report Q3 2025 earnings?
EVERTEC (EVTC) reported Q3 2025 earnings on November 6, 2025 after market close.
What were EVERTEC's Q3 2025 revenue and EPS?
EVERTEC reported revenue of $228.6M and eps of $0.92 for Q3 2025.
Did EVERTEC beat estimates in Q3 2025?
Revenue missed the consensus estimate of $236.8M by $8.2M. EPS beat the consensus estimate of $0.89 by $0.03.
How did EVERTEC's Q3 2025 results compare year-over-year?
Compared to the same quarter a year prior, revenue grew 7.9% from $211.8M a year earlier and eps grew 7.0% from $0.86.
Where can I find EVERTEC's Q3 2025 SEC filings?
You can read the 8-K earnings release (0001559865-25-000052) and the 10-Q periodic report (0001559865-25-000054) directly on SEC EDGAR. The filing index links above go to sec.gov.