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Evertec cash flow, quarter by quarter

Latest: Q3 2026 · from the cash-flow statements filed with the SEC

Free cash flow$79.2M in Q3 2026 · $222M over twelve months

Operating cash flow$85.6M
Capital spending−$6.4M
Free cash flow+$79.2M
Cash / net income2.7×

Analysis

In Q3 2026, Evertec generated $85.6M of operating cash flow and spent $6.4M on capital projects, leaving free cash flow of $79.2M. That is $14.0M more than in Q3 2025 ($65.3M).

Over the twelve months to Sep 30, 2026, operating cash flow was $246M; the largest uses were acquisitions ($331M), other financing ($149M), buybacks ($148M); besides operations, cash came from net borrowing (+) / repaid (−) ($310M); the cash balance fell by $179M.

Operating cash flow was $85.6M against net income of $31.5M — 2.7× profit, cash ran ahead of reported earnings. The largest differences: payables +$34.8M, receivables −$9.7M, stock-based pay +$8.3M.

Free cash flow

Evertec: free cash flow by quarterEvertec: free cash flow by quarter$70.8MQ4 2024$31.2MQ1 2025$43.5MQ2 2025$65.3MQ3 2025$63.7MQ4 2025$24.9MQ1 2026$54.6MQ2 2026$79.2MQ3 2026
Operating cash flow less capital spending.
Evertec: operating cash flow against capital spendingEvertec: operating cash flow against capital spendingOperating cash flowCapital spending$75.2M$4.3MQ4 2024$37.6M$6.4MQ1 2025$48.5M$5.0MQ2 2025$70.9M$5.6MQ3 2025$70.0M$6.3MQ4 2025$31.2M$6.3MQ1 2026$59.5M$4.9MQ2 2026$85.6M$6.4MQ3 2026
Latest (Q3 2026): Operating cash flow $85.6M, Capital spending $6.4M.

Capital allocation, year by year

Evertec: where the cash came from (up) and went (down), by fiscal yearEvertec: where the cash came from (up) and went (down), by fiscal yearOperating cash flowNet borrowingAsset salesCapital spendingAcquisitionsBuybacksDividendsFY2021: Operating cash flow $228MFY2021: Net borrowing −$33.7MFY2021: Asset sales $805KFY2021: Capital spending −$25.1MFY2021: Buybacks −$24.4MFY2021: Dividends −$14.4M$229MFY2021FY2022: Operating cash flow $220MFY2022: Net borrowing −$33.4MFY2022: Asset sales $78KFY2022: Capital spending −$27.1MFY2022: Acquisitions −$44.4MFY2022: Buybacks −$96.6MFY2022: Dividends −$13.8M$220MFY2022FY2023: Operating cash flow $211MFY2023: Net borrowing $490MFY2023: Asset sales $24KFY2023: Capital spending −$21.4MFY2023: Acquisitions −$418MFY2023: Buybacks −$36.1MFY2023: Dividends −$13.0M$701MFY2023FY2024: Operating cash flow $260MFY2024: Net borrowing −$26.3MFY2024: Asset sales $5KFY2024: Capital spending −$25.4MFY2024: Acquisitions −$34.0MFY2024: Buybacks −$82.3MFY2024: Dividends −$12.9M$260MFY2024FY2025: Operating cash flow $227MFY2025: Net borrowing $124MFY2025: Capital spending −$23.3MFY2025: Acquisitions −$144MFY2025: Buybacks −$69.3MFY2025: Dividends −$12.8M$351MFY2025
Over these 5 years operating cash flow totalled $1.1B; the largest uses were acquisitions ($640M) and buybacks ($309M). Cash-flow statements as filed.

Cash runway and the debt wall

Cash & investments$284M
Debt$1.3B
Net debt$993M
Due within a year$23.9M

Evertec funds itself: free cash flow was $222M over the last twelve months, and $284M of cash and investments stands against $1.3B of debt ($23.9M due within a year, 11.9× covered by cash).

Evertec: debt maturities by year (FY2025)Evertec: debt maturities by year (FY2025)$23.9MYear 1$382MYear 2$690MYear 5
Principal due in each year as disclosed in the annual report, against $284M of cash and investments now.

Where the cash came from and went

Evertec: sources (+) and uses (−) of cash, Q3 2026Evertec: sources (+) and uses (−) of cash, Q3 2026Operating cash flow$85.6MCash drawn (+) / kept (−)−$24.5MOther investing−$19.7MBuybacks−$15.4MOther financing−$10.1MAcquisitions−$6.9MCapital spending−$6.4MExchange rates$6.3MNet borrowing (+) / repaid (−)−$6.0MDividends−$3.0MTaxes on employees’ shares−$9K
Evertec: sources (+) and uses (−) of cash, TTM to Q3 2026Evertec: sources (+) and uses (−) of cash, 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 profit to cash

Evertec: net income to operating cash flow, Q3 2026Evertec: net income to operating cash flow, Q3 2026Net income$31.5MDepreciation & amortization$6.2MStock-based pay$8.3MDeferred taxes−$8.1MGains on disposals−$25KOther non-cash−$1.6MReceivables−$9.7MPayables$34.8MDeferred revenue−$3.9MPrepaid and other assets−$6.6MOther liabilities$328KIncome taxes payable−$8.2MOperating cash flow$85.6M
Non-cash charges are added back; money tied up in receivables or inventory is subtracted.

Every quarter

QuarterOperating cash flowCapital spendingAcquisitionsBuybacksDividendsNet borrowing (+) / repaid (−)Cash drawn (+) / kept (−)Free cash flow
Q3 2026$85.6M−$6.4M−$6.9M−$15.4M−$3.0M−$6.0M−$24.5M$79.2M
Q2 2026$59.5M−$4.9M—−$47.0M−$3.0M−$6.0M$24.3M$54.6M
Q1 2026$31.2M−$6.3M—−$20.0M−$3.1M—$19.7M$24.9M
Q4 2025$70.0M−$6.3M−$144M−$65.6M—$144M$160M$63.7M
Q3 2025$70.9M−$5.6M——−$3.2M−$6.0M−$175M$65.3M
Q2 2025$48.5M−$5.0M—−$3.7M−$3.2M−$6.0M−$25.4M$43.5M
Q1 2025$37.6M−$6.4M——−$3.2M−$6.0M$7.0M$31.2M
Q4 2024$75.2M−$4.3M−$34.0M——−$6.0M$11.6M$70.8M

Evertec: income statement and cash flow

Evertec, Q3 2026: revenue $283M (+24% year over year), operating margin 17.9%. The chart follows the revenue to costs, profit and cash.

Evertec: every quarter, Q/Q and Y/Y → Open in the app

Read automatically from the company’s XBRL cash-flow statements; quarterly figures for the fourth quarter are the year less the first three. Errors are possible. Not investment advice.