EVTCMEDIUM SIGNALFINANCIAL10-K

EVERTEC shows strong financial performance with 25.7% net income growth and 31.6% stockholders equity increase, though operating cash flow declined 12.7%.

The company demonstrates robust profitability growth and strengthening balance sheet position, with total assets expanding 20.8% alongside healthy equity growth. However, the decline in operating cash flow despite higher net income warrants monitoring for potential working capital or cash conversion efficiency issues.

Comparing 2026-03-02 vs 2025-03-03View on EDGAR →
FINANCIAL ANALYSIS

EVERTEC delivered strong bottom-line growth with net income increasing 25.7% to $141.6M and stockholders equity surging 31.6% to $621.6M, while total assets expanded 20.8% to $2.2B. The company maintained solid liquidity with cash growing 11.8% to $306.0M, though operating cash flow declined 12.7% to $227.0M and interest expense rose 30.5%. Overall, the financial picture signals a growing, profitable company with strengthening fundamentals, but investors should monitor the divergence between earnings growth and operating cash flow generation.

FINANCIAL STATEMENT CHANGES
Stockholders Equity
Balance Sheet
+31.6%
$472.5M→$621.6M

Equity base grew 31.6% — retained earnings accumulation or equity issuance strengthening the balance sheet.

Interest Expense
P&L
+30.5%
$24.8M→$32.3M

Interest expense surged 30.5% — significant debt increase or rising rates materially impacting earnings.

Net Income
P&L
+25.7%
$112.6M→$141.6M

Net income grew 25.7% — bottom-line growth signals improving overall business health.

Total Assets
Balance Sheet
+20.8%
$1.9B→$2.2B

Asset base grew 20.8% — expansion through organic growth, acquisitions, or capital deployment.

Accounts Receivable
Balance Sheet
+19.5%
$137.5M→$164.4M

Receivables grew 19.5% — monitor days sales outstanding for collection efficiency.

Share Buybacks
Cash Flow
-15.8%
$82.3M→$69.3M

Buyback activity reduced 15.8% — capital being redeployed elsewhere or cash conservation underway.

Total Liabilities
Balance Sheet
+14.3%
$1.3B→$1.5B

Liabilities increased 14.3% — monitor debt-to-equity ratio and interest coverage.

Operating Cash Flow
Cash Flow
-12.7%
$260.1M→$227.0M

Operating cash flow softened — monitor whether temporary working capital timing or structural deterioration.

Operating Income
P&L
+12.5%
$165.7M→$186.4M

Operating income improving — cost discipline or growing revenue base absorbing fixed costs.

Cash & Equivalents
Balance Sheet
+11.8%
$273.6M→$306.0M

Cash grew 11.8% — improving liquidity position supports investment and shareholder returns.

LANGUAGE CHANGES
NEW — 2026-03-02
PRIOR — 2025-03-03
ADDED
was approximately $ 2,293,153,226 based on the closing price of $36.05 as of the close of business on June 30, 2025.
As of February 20, 2026, there were 61,758,703 outstanding shares of common stock of EVERTEC, Inc.
Words such as believes, expects, anticipates, intends, projects, estimates, and plans and similar expressions of future or conditional verbs such as will, should, would, may and could or the negatives of these terms or variations of them or similar terminology are generally forward-looking in nature and not historical facts.
s subsidiaries include Holdings, EVERTEC Group; EVERTEC Dominicana, SAS; Evertec Chile Holdings SpA; Evertec Chile SpA; Evertec Chile Global SpA; Evertec Chile Servicios Profesionales SpA; Paytrue S.A.; Caleidon; S.A.; Evertec Brasil Solutions Inform tica S.A.
and Big Data Analytics SA (collectively "Grandata"); and Nubity S.R.L., Nubity Inc., Nubity Cloud, S.A.P.I.
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REMOVED
was approximately $ 1,400,653,424 based on the closing price of $33.25 as of the close of business on June 30, 2024.
As of February 20, 2025, there were 63,614,077 outstanding shares of common stock of EVERTEC, Inc.
Words such as believes, expects, "anticipates," "intends," "projects," estimates, and plans and similar expressions of future or conditional verbs such as "will," "should," "would," "may," and "could" or the negatives of these terms or variations of them or similar terminology are generally forward-looking in nature and not historical facts.
s subsidiaries include Holdings, EVERTEC Group; EVERTEC Dominicana, SAS; Evertec Chile Holdings SpA; Evertec Chile SpA; Evertec Chile Global SpA; Evertec Chile Servicios Profesionales SpA; Tecnopago Espa a SL; Paytrue S.A.; Caleidon; S.A.; Evertec Brasil Solutions Inform tica S.A.
and Big Data Analytics SA (collectively "Grandata"); and Nubity S.R.L., Nubity Inc.
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