Filing Flows › Evertec (EVTC) › Q3 2025
Evertec (EVTC) Q3 2025 earnings results (third quarter 2025)
10-Q filed Nov 7, 2025
Evertec (EVTC) reported revenue of $229M for the third quarter 2025 (Q3 2025), +8% from a year earlier and -0.4% from the quarter before. Operating margin was 16.5%, net earnings $32.9M (14.4% of revenue).
Evertec, Q3 2025: revenue $229M (+8% year over year), operating margin 16.5%, net earnings $32.9M, operating cash flow $70.9M. The chart follows the revenue to costs, profit and cash.
| Q3 2025 | Amount | Q/Q | Y/Y |
|---|---|---|---|
| Revenue | $229M | -0.4% | +8% |
| Operating profit | $37.7M | -33% | -9% |
| Net earnings | $32.9M | -19% | +33% |
| Operating cash flow | $70.9M | +46% | +32% |
| Free cash flow | $65.3M | +50% | +31% |
What changed
Revenue was $228.6M in Q3 2025, up 8% year over year and roughly flat from the previous quarter. Latin America Payments and Solutions was the largest line at 36% of revenue. Latin America Payments and Solutions added $12.8M year over year (up 18%), 77% of the total change.
Operating profit was $37.7M, a 16.5% margin (down 3.1 points year over year). Operating profit fell $3.8M even though revenue rose $16.8M versus a year earlier, so costs grew faster than sales. Total costs grew 12% against revenue growth of 8%. The fastest-growing cost line was Other operating costs (+13%). Net earnings were $32.9M, up 33% year over year. The effective tax rate was -0.1%.
Operating cash flow was $70.9M (up 32% year over year), 212% of net earnings. Non-cash charges added back $5.5M of depreciation and amortization and $7.6M of share-based compensation. Working capital and other items added $24.3M. Capital expenditures of $5.6M left free cash flow of $65.3M.
Questions
What was Evertec's revenue in the third quarter 2025?
Evertec (EVTC) reported revenue of $229M for the third quarter 2025 (Q3 2025), +8% from a year earlier and -0.4% from the quarter before.
Was Evertec profitable in the third quarter 2025?
Operating profit was $37.7M (16.5% of revenue) and net earnings $32.9M.
Source: Evertec 10-Q on SEC EDGAR.