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Evertec (EVTC) earnings and revenue breakdown

Latest: Q3 2026 · 10-Q filed Nov 4, 2026 · Evertec (EVTC) Q3 2026 earnings results →

Q3 2026 Revenue up 24% year over year to $283M · 11¢ of every $1 of revenue kept as net profit · operating margin 17.9%

Evertec made $283M in Q3 2026 (+24% Y/Y): Latin America Payments and Solutions $134M, Business Solutions $58.6M, Merchant Acquiring, net $51.0M. Operating margin 17.9%, net earnings $29.9M. See where every dollar goes — costs, profit and cash — as a Sankey from the 10-Q filed Nov 4, 2026.

Revenue$283M
Year over year+24%
Operating margin17.9%
Net earnings$29.9M
Operating cash flow$85.6M

Drawing the Sankey…

Open the interactive Sankey → click any line for what the company wrote about it, compare Y/Y and Q/Q, export as PNG or PDF

What changed this quarter

Revenue was $283.0M in Q3 2026, up 24% year over year and up 3% from the previous quarter. Latin America Payments and Solutions was the largest line at 47% of revenue. Latin America Payments and Solutions added $50.9M year over year (up 61%), 94% of the total change. Business Solutions declined 5%.

Operating profit was $50.6M, a 17.9% margin (up 1.4 points year over year). Of the extra revenue versus Q3 2025, 24% reached operating profit, above the 17% margin then. Total costs grew 22% against revenue growth of 24%. The fastest-growing cost line was SG&A (+53%). Net earnings were $29.9M, down 9% year over year. The effective tax rate was 10.1%.

Operating cash flow was $85.6M (up 21% year over year), 272% of net income including minority interests. Non-cash charges added back $6.2M of depreciation and amortization and $8.3M of share-based compensation. Working capital and other items added $39.6M. Capital expenditures of $6.4M left free cash flow of $79.2M.

Quarterly history

Evertec revenue by quarterEvertec revenue by quarter$229MQ1 2025$230MQ2 2025$229MQ3 2025$245MQ4 2025$248MQ1 2026$275MQ2 2026$283MQ3 2026
Evertec net earnings by quarterEvertec net earnings by quarter$32.7MQ1 2025$40.5MQ2 2025$32.9MQ3 2025$35.6MQ4 2025$23.8MQ1 2026$5.4MQ2 2026$29.9MQ3 2026
QuarterFormFiledRevenueY/YOp. marginNet earningsOp. cash flow
Q3 202610-QNov 4, 2026$283M+24%17.9%$29.9M$85.6M
Q2 202610-QAug 6, 2026$275M+20%19.4%$5.4M$59.5M
Q1 202610-QMay 7, 2026$248M+8%18.0%$23.8M$31.2M
Q4 202510-KMar 2, 2026$245M+13%17.6%$35.6M$70.0M
Q3 202510-QNov 7, 2025$229M+8%16.5%$32.9M$70.9M
Q2 202510-QJul 31, 2025$230M+8%24.4%$40.5M$48.5M
Q1 202510-QMay 8, 2025$229M+11%21.6%$32.7M$37.6M

Charts

Evertec: revenue growth, year over year and quarter over quarterEvertec: revenue growth, year over year and quarter over quarterY/YQ/Q+11%Q1 2025+8%+0%Q2 2025+8%0%Q3 2025+13%+7%Q4 2025+8%+1%Q1 2026+20%+11%Q2 2026+24%+3%Q3 2026
Latest (Q3 2026): Y/Y +24%, Q/Q +3%.
Evertec: where the cash came from (+) and went (−), TTM to Q3 2026Evertec: where the cash came from (+) and went (−), TTM to Q3 2026Acquisitions−$331MNet borrowing (+) / repaid (−)$310MOperating cash flow$246MCash drawn (+) / kept (−)$179MOther financing−$149MBuybacks−$148MOther investing−$75.5MCapital spending−$23.9MPartners−$23.1MExchange rates$22.3MTaxes on employees’ shares−$7.4M
From the cash-flow statement as filed (SEC XBRL). Cash is fungible: the bars do not say which dollar paid for what.
Evertec: profit against cash, quarter by quarterEvertec: profit against cash, quarter by quarterNet incomeOperating cash flow$40.7M$75.2MQ4 2024$33.1M$37.6MQ1 2025$41.0M$48.5MQ2 2025$33.5M$70.9MQ3 2025$37.0M$70.0MQ4 2025$24.7M$31.2MQ1 2026$6.9M$59.5MQ2 2026$31.5M$85.6MQ3 2026
Latest (Q3 2026): Net income $31.5M, Operating cash flow $85.6M.
Evertec: diluted shares by fiscal yearEvertec: diluted shares by fiscal year73MFY202073MFY202169MFY202266MFY202365MFY202464MFY2025
-11.8% since FY2020: buybacks shrank the count.
Evertec: long-term debt falling due (FY2025)Evertec: long-term debt falling due (FY2025)$23.9M2026$382M2027$690M2030
Cash $306M, short-term investments —, long-term debt — at 2025-12-31.
Evertec in its industry: growth against margin (65 companies, SIC 7374)Evertec in its industry: growth against margin (65 companies, SIC 7374)revenue growth, year over year →↑ operating marginmedian +9%median -8%ADPDXCWDAYTOSTRDDTVRSKRNGPLTKCLVTFAPEGAAPLDFIVNTASKCARGNRDSHNGELFTORAMPGDRXLZEGHTUPWKCARSIBEXSSTKLIFYEXTTCXINODOOMAHAWKGLOOBRUNFIRYVERIBIRDINFQNXTTQMLSTRAKMOVEQBTSSHAZDTCXSDCHONFOBHICKWIKSEQCPHUNWORXONEICASTDTSTHTCRPWDYPVITMYX Inc.NTCSSTWIRADCCRCWHNITEVTC (+24%, 18%)
Services-Computer Processing & Data Preparation; dot size is quarterly revenue; dashed lines are the industry's medians.

Interactive views

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💵Where each $1 goesinteractive

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🌏Named in Asian annual reportsinteractive

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🔄Rotation against the market and its industry (RRG)interactive

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🔍Earnings qualityinteractive

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⚖️Fair value by methodinteractive

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🔭Outlook & guidanceinteractive

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📈Investments: gains and what it boughtinteractive

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🏭Its industry’s money flow (input-output)interactive

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About Evertec

Except as otherwise indicated or unless the context otherwise requires, (a) the terms “EVERTEC,” “we,” “us,” “our,” “our Company” and “the Company” refer to EVERTEC, Inc. and its subsidiaries on a consolidated basis and, (b) the term “EVERTEC Group” refers to EVERTEC Group, LLC and its predecessor entities and their subsidiaries on a consolidated basis. EVERTEC Inc.’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 Informática S.A. ("EVERTEC BR"); EVERTEC Panamá, S.A.; EVERTEC Costa Rica, S.A.

In its own words, from its 10-K, filed Mar 2, 2026.

Evertec against its Services-Computer Processing & Data Preparation peers

The largest companies of the same SEC industry, each at its latest quarter. Revenue growth: +24% against the peers' median +6%. Operating margin: 17.9% against the peers' median 17.2%.

CompanyQuarterRevenueY/YOp. margin
EVTC EvertecQ3 2026$283M+24%17.9%
ADP Automatic Data ProcessingQ1 FY27$5.5B+6%23.9%
DXC DXC TechnologyQ2 FY27$3.0B-4%6.2%
WDAY WorkdayQ2 FY27$2.6B+13%11.8%
TOST ToastQ3 2026$2.0B+21%8.3%
RDDT RedditQ3 2026$895M+53%29.2%
VRSK Verisk AnalyticsQ3 2026$809M+5%45.2%
RNG RingCentralQ3 2026$676M+6%8.0%
PLTK Playtika HoldingQ3 2026$674M-0.1%17.2%

Source: Evertec 10-Q on SEC EDGAR · CIK 1559865 · Services-Computer Processing & Data Preparation

Guidance and outlook

Evertec: what its forward-looking statements are about (10-Q filed 2026-11-04)Evertec: what its forward-looking statements are about (10-Q filed 2026-11-04)Other3Financing2Demand1Costs1
7 statements; tone +0.43 (−1 all cautious, +1 all confident); 0 hedged.
Evertec: outlook statements against the filing beforeEvertec: outlook statements against the filing beforeConfident3

13F: who owns EVTC and who is buying

Largest holders of EVTC (13F)Largest holders of EVTC (13F)BlackRock$255MFMR LLC$244MVanguard Group$207MAmerican Century Companies$144MVanguard Portfolio Management LLC$110MVanguard Capital Management LLC$76.8MKayne Anderson Rudnick Investment…$75.4MState Street$72.4MFuller & Thaler Asset Management$57.2MGeode Capital Management, LLC$43.6M
Funds' net buying of EVTC by quarter (13F)Funds' net buying of EVTC by quarter (13F)$42.2M2024-09$3.2M2024-12−$46.1M2025-03$29.3M2025-06−$9.5M2025-09$8.6M2025-12$964K2026-03−$28.3M2026-06
Value of shares 13F filers added minus the value they sold, each quarter (quarters with most filings in).

More on EVTC

History

Every quarter: Q3 2026 results · Q2 2026 results · Q1 2026 results · Q4 2025 results · Q3 2025 results · Q2 2025 results · Q1 2025 results

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