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Dec 31, 2025
EVERTEC Q4 2025 Earnings Report
EVERTEC reported higher revenue and Adjusted EBITDA in the fourth quarter of 2025, while GAAP net income declined year-over-year.
Key Takeaways
Revenue increased 13.1% year-over-year to 244832000, driven by organic growth and acquisitions, while GAAP net income declined to 35561000. Adjusted EBITDA rose to 98768000 with a slightly lower margin.
Revenue grew 13.1% year-over-year to 244832000, or 11.4% on a constant currency basis.
GAAP net income attributable to common shareholders declined 11.2% to 35561000.
Adjusted EBITDA increased 11.5% to 98768000, with margin of 40.3%.
Latin America segment showed strong growth, supported by acquisitions including Tecnobank.
Revenue by Segment
Forward Guidance
For 2026, EVERTEC expects revenue between 1024000000 and 1036000000 and adjusted EPS between 3.84 and 3.96.
Positive Outlook
- Projected revenue growth of approximately 9.9% to 11.2%.
- Constant currency revenue growth expected between 8.7% and 10%.
- Adjusted EPS expected to grow 6.1% to 9.4%.
- Capital expenditures planned at approximately 90000000 to support growth.
- Adjusted effective tax rate expected between 11% and 12%.
Challenges Ahead
- GAAP EPS guidance of 2.43 to 2.60 reflects impact of amortization and other adjustments.
- Currency headwinds reflected in constant currency adjustments.
- Ongoing acquisition-related amortization impacts GAAP profitability.
- Exposure to foreign exchange fluctuations remains a risk.
Revenue & Expenses
Visualization of income flow from segment revenue to net income
Historical Earnings Impact
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Avg. Return Before/After Earnings
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