EVERTEC, Inc. financial statements

Income statement, balance sheet and cash flow statement for the last 10 fiscal years, taken from the XBRL data EVERTEC, Inc. files with the SEC in its annual reports.

In USD millions, except per-share amounts. Outflows in the cash flow statement are negative.

Income statement

	FY2016	FY2017	FY2018	FY2019	FY2020	FY2021	FY2022	FY2023	FY2024	FY2025
Revenue	390	407	454	487	511	590	618	695	845	932
Cost of revenue	2.18	2.93
Gross profit	387	404
Selling, general and administrative	47	56.2	68.7	61.4	70.8	68	89.8	128	146	154
Operating income	107	86.1	125	145	141	197	157	136	166	186
Interest expense	24.6	29.9	30	28.8	25.1	22.8	24.8	32.3	74.7	68.3
Other non-operating income	-23.7	-25.9	-26	-27.8	-17.5	-14.8	110	-50.8	-46	-32.1
Pre-tax income	83.4	60.2	99.2	117	124	182	268	85.4	120	154
Income tax	8.27	4.78	12.6	13	19	20.6	29	5.48	4.85	9.82
Net income to minority interests	0.09	0.37	0.3	0.23	0.42	0.01	-0.14	0.15	2.16	2.97
Net income	75	55.1	86.3	103	104	161	239	79.7	113	142
EBITDA	121	101	140	161	159	214	176	158	188	209
EPS, basic	1.01	0.76	1.19	1.44	1.45	2.24	3.48	1.23	1.75	2.22
EPS, diluted	1.01	0.76	1.16	1.41	1.43	2.21	3.45	1.21	1.73	2.20
Shares, basic (weighted)	74.1	72.5	72.6	72.1	71.9	72.1	68.7	64.9	64.3	63.7
Shares, diluted (weighted)	74.5	72.9	74.4	73.5	73.1	72.9	69.3	65.8	65.1	64.4
Dividend per share	0.40	0.30	0.10	0.20	0.20	0.20	0.20	0.20	0.20	0.20

Balance sheet

	FY2016	FY2017	FY2018	FY2019	FY2020	FY2021	FY2022	FY2023	FY2024	FY2025
Cash and equivalents	51.9	50.4	70	111	203	258	185	296	274	306
Receivables	77.8	83.3	100	107	95.7	113	111	127	138	164
Other current assets	20.4	25	29.1	38.1	42.2	37.1	42.4	64.7	61.4	68.5
Total current assets	158	169	216	276	359	436	389	561	529	591
Property, plant and equipment	38.9	37.9	36.8	43.8	43.5	48.5	56.4	62.5	62.1	64.4
Lease right-of-use assets			0	30	27.5	21.2	15.9	14.8	10.1	38.2
Goodwill	371	399	395	399	398	393	423	792	727	892
Intangible assets	299	280	259	242	220	213	200	518	431	553
Other non-current assets	6.11	3.56	5.3	5.32	6.01	9.93	16.6	27	25	20.3
Total assets	886	903	927	1,012	1,073	1,145	1,132	2,060	1,858	2,243
Accounts payable	40.8	41.1	47.3	39.2	43.3	28.5	29.7	66.5	58.7	63.7
Accrued liabilities	34.2	38.5	57	58.2	58	74.5	80.7	129	125	126
Deferred revenue	4.53	7.74	11.5	20.7	25	17.4	15.2	21.1	25.3	26.6
Short-term debt	19.8	46.5	14.3	14.3	14.3	19.8	20.8	23.9	23.9	23.9
Total current liabilities	129	147	137	144	153	153	208	298	280	285
Long-term debt	600	557	524	511	481	445	389	947	925	1,053
Lease liabilities			0	24.7	22.4	16.5	10.8	9.03	4.92	33.3
Other non-current liabilities	16.4	13	14.9	27.4	14.1	8.34	4.12	40.1	27.5	34.3
Total liabilities	777	755	712	740	730	674	657	1,425	1,338	1,529
Total debt	651	617	539	528	497	465	410	978	949	1,077
Paid-in capital	0	5.35	5.78	0	5.34	7.57	0	36.5	7	0
Retained earnings	116	149	229	296	380	506	487	539	600	688
Other comprehensive income	-12.4	-10.8	-23.8	-30	-48.3	-48.1	-16.5	18.2	-135	-66.7
Shareholders' equity	105	144	211	267	338	466	472	594	473	622
Minority interests	3.5	3.86	4.15	4.44	4.69	4.06	3.24	4.12	3.28	3.23
Total equity	108	148	216	272	342	470	475	598	476	625
Total liabilities and equity	886	903	927	1,012	1,073	1,145	1,132	2,060	1,858	2,243
Shares outstanding	72.6	72.4	72.4	72	72.1	72	64.8	65.5	63.6	61.8

Cash flow statement

	FY2016	FY2017	FY2018	FY2019	FY2020	FY2021	FY2022	FY2023	FY2024	FY2025
Net income	75.1	55.4	86.6	104	105	161	239	79.9	115	145
Depreciation and amortization	14.2	14.7	14.5	16.6	17.4	17.4	18.5	21.6	22.3	22.3
Stock-based compensation	6.41	9.64	12.6	13.6	14.3	14.8	20	25.7	30.3	29.6
Deferred income tax	-4.59	-4.31	-4.61	-6.39	-3.91	-2.83	-0.44	-16.1	-26.7	-24.2
Change in payables	14.6	-0.87	16.1	-0.22	-1.14	1.5	23.5	46.5	-6.6	-17.2
Cash from operations	168	146	173	180	199	228	220	211	260	227
Capital expenditures	-18.5	-11.3	-13.9	-23	-17.1	-25.1	-27.1	-21.4	-25.4	-23.3
Acquisitions	-15.6	-42.8	0	-5.59	0	0	-44.4	-418	-34	-144
Purchases of investments				0	0	-2.97	-0.25	-0.96	-0.79	-2.39
Sales and maturities of investments					0	0	1.02	1	1.1	1
Cash from investing	-57.8	-76.3	-41.3	-65.3	-48.6	-83.8	-133	-508	-118	-238
Debt issued	75.8	0	545	0	0	0	415	651	0	150
Debt repaid	-96.7	-19.8	-613	-14.3	-31.2	-32	-467	-154	-23.9	-23.9
Share buybacks	-39.9	-7.67	-10	-31.8	-7.3	-24.4	-96.6	-36.1	-82.3	-69.3
Dividends paid	-29.7	-21.8	-7.27	-14.4	-14.4	-14.4	-13.8	-13	-12.9	-12.8
Cash from financing	-90.8	-69.2	-105	-70.2	-62.6	-81.3	-153	416	-153	28.4
Net change in cash	19.5	0.34	26.4	44.4	90	64.8	-70.3	128	-29.1	33.5
Free cash flow	150	134	159	157	182	203	193	190	235	204
Interest paid	22.5	25.4	26.9	28.2	23.8	21.7	24.1	32.1	72	64.4
Income taxes paid	8.7	9.93	9.75	18.7	22.7	25.7	32.8	36.2	24.6	36.9

Key metrics

Worked out from the statements above. Latest values use the trailing twelve months to June 30, 2026; growth uses fiscal years. Valuation uses the share price of $28.18 on September 25, 2026.

Profitability

Metric	Value	How it is calculated
Operating margin	17.9%	Operating income / revenue.
EBITDA margin	20.3%	EBITDA (operating income + depreciation and amortization) / revenue.
Pre-tax margin	12.9%	Pre-tax income / revenue.
Net margin	9.8%	Net income / revenue.
FCF margin	20.9%	Free cash flow (cash from operations - capital expenditures) / revenue.
Operating cash flow margin	23.2%	Cash from operations / revenue.
Effective tax rate	20.4%	Income tax / pre-tax income, when pre-tax income is positive.
Return on equity (ROE)	15.2%	Net income / average shareholders' equity (opening and closing). Not shown when equity is negative.
Return on assets (ROA)	3.9%	Net income / average total assets.
Return on invested capital (ROIC)	8.7%	Approximation: operating income x (1 - tax rate) / average (total debt + equity - cash). Tax rate is the effective rate when between 0% and 50%, else 21%.
SG&A / revenue	18.9%	Selling, general and administrative expense / revenue.
Stock-based pay / revenue	3.1%	Stock-based compensation (from the cash flow statement) / revenue.
Capex / revenue	2.3%	Capital expenditures / revenue.
D&A / revenue	2.3%	Depreciation and amortization / revenue.

Growth

Metric	Value	How it is calculated
Revenue growth, 1y	10.2%	Revenue vs the same period a year earlier. Only from a positive base.
Revenue CAGR, 3y	14.6%	Compound annual growth of revenue over 3 fiscal years: (end / start)^(1/3) - 1. Only when both values are positive.
Revenue CAGR, 5y	12.8%	Compound annual growth of revenue over 5 fiscal years: (end / start)^(1/5) - 1. Only when both values are positive.
Operating income growth, 1y	12.5%	Operating income vs the same period a year earlier. Only from a positive base.
Operating income CAGR, 3y	5.8%	Compound annual growth of operating income over 3 fiscal years: (end / start)^(1/3) - 1. Only when both values are positive.
Operating income CAGR, 5y	5.7%	Compound annual growth of operating income over 5 fiscal years: (end / start)^(1/5) - 1. Only when both values are positive.
EBITDA growth, 1y	11.1%	EBITDA vs the same period a year earlier. Only from a positive base.
EBITDA CAGR, 3y	5.9%	Compound annual growth of ebitda over 3 fiscal years: (end / start)^(1/3) - 1. Only when both values are positive.
EBITDA CAGR, 5y	5.6%	Compound annual growth of ebitda over 5 fiscal years: (end / start)^(1/5) - 1. Only when both values are positive.
Net income growth, 1y	25.7%	Net income vs the same period a year earlier. Only from a positive base.
Net income CAGR, 3y	-16.0%	Compound annual growth of net income over 3 fiscal years: (end / start)^(1/3) - 1. Only when both values are positive.
Net income CAGR, 5y	6.3%	Compound annual growth of net income over 5 fiscal years: (end / start)^(1/5) - 1. Only when both values are positive.
EPS growth, 1y	27.2%	EPS vs the same period a year earlier. Only from a positive base.
EPS CAGR, 3y	-13.9%	Compound annual growth of eps over 3 fiscal years: (end / start)^(1/3) - 1. Only when both values are positive.
EPS CAGR, 5y	9.0%	Compound annual growth of eps over 5 fiscal years: (end / start)^(1/5) - 1. Only when both values are positive.
Operating cash flow growth, 1y	-12.7%	Operating cash flow vs the same period a year earlier. Only from a positive base.
Operating cash flow CAGR, 3y	1.1%	Compound annual growth of operating cash flow over 3 fiscal years: (end / start)^(1/3) - 1. Only when both values are positive.
Operating cash flow CAGR, 5y	2.7%	Compound annual growth of operating cash flow over 5 fiscal years: (end / start)^(1/5) - 1. Only when both values are positive.
Free cash flow growth, 1y	-13.2%	Free cash flow vs the same period a year earlier. Only from a positive base.
Free cash flow CAGR, 3y	1.8%	Compound annual growth of free cash flow over 3 fiscal years: (end / start)^(1/3) - 1. Only when both values are positive.
Free cash flow CAGR, 5y	2.3%	Compound annual growth of free cash flow over 5 fiscal years: (end / start)^(1/5) - 1. Only when both values are positive.
Dividend per share growth, 1y	0.0%	Dividend per share vs the same period a year earlier. Only from a positive base.
Dividend per share CAGR, 3y	0.0%	Compound annual growth of dividend per share over 3 fiscal years: (end / start)^(1/3) - 1. Only when both values are positive.
Dividend per share CAGR, 5y	0.0%	Compound annual growth of dividend per share over 5 fiscal years: (end / start)^(1/5) - 1. Only when both values are positive.
Book value growth, 1y	31.6%	Book value vs the same period a year earlier. Only from a positive base.
Book value CAGR, 3y	9.6%	Compound annual growth of book value over 3 fiscal years: (end / start)^(1/3) - 1. Only when both values are positive.
Book value CAGR, 5y	13.0%	Compound annual growth of book value over 5 fiscal years: (end / start)^(1/5) - 1. Only when both values are positive.
Total assets growth, 1y	20.8%	Total assets vs the same period a year earlier. Only from a positive base.
Total assets CAGR, 3y	25.6%	Compound annual growth of total assets over 3 fiscal years: (end / start)^(1/3) - 1. Only when both values are positive.
Total assets CAGR, 5y	15.9%	Compound annual growth of total assets over 5 fiscal years: (end / start)^(1/5) - 1. Only when both values are positive.
Share count change, 1y	-1.0%	Change in diluted weighted shares vs a year earlier. Negative means buybacks shrank the share count; positive means dilution.
Share count change per year, 3y	-2.4%	Change in diluted weighted shares, per year over 3 years. Negative means buybacks shrank the share count; positive means dilution.
Share count change per year, 5y	-2.5%	Change in diluted weighted shares, per year over 5 years. Negative means buybacks shrank the share count; positive means dilution.

Balance sheet health

Metric	Value	How it is calculated
Current ratio	1.70x	Current assets / current liabilities.
Quick ratio	1.29x	(Cash + short-term investments + receivables) / current liabilities.
Cash ratio	0.76x	(Cash + short-term investments) / current liabilities.
Debt / equity	1.95x	Total debt / shareholders' equity. Not shown when equity is negative.
Debt / assets	50.5%	Total debt / total assets.
Liabilities / assets	71.0%	Total liabilities / total assets.
Net debt	$991.0M	Total debt - cash - short-term investments. Negative means more cash than debt.
Net debt / EBITDA	4.91x	Net debt / EBITDA (twelve months), when EBITDA is positive.
Interest coverage	2.47x	Operating income / interest expense.
Working capital	$241.8M	Current assets - current liabilities.
Goodwill and intangibles / assets	67.8%	(Goodwill + intangible assets) / total assets.
Tangible book value	-$1.04B	Shareholders' equity - goodwill - intangible assets.

Efficiency

Metric	Value	How it is calculated
Asset turnover	0.40x	Revenue / average total assets.
Receivables turnover	5.45x	Revenue / average receivables.
Days sales outstanding	67 days	365 x average receivables / revenue.
FCF conversion	213.6%	Free cash flow / net income, when net income is positive.
Capex / operating cash flow	10.0%	Capital expenditures / cash from operations, when that is positive.

Per share

Metric	Value	How it is calculated
EPS, diluted	$1.59	Net income per diluted share, as reported (split-adjusted). Over the last twelve months: the four quarters summed, or net income / latest diluted shares when a quarter has no reported EPS.
Revenue per share	$16.21	Revenue / diluted weighted shares.
FCF per share	$3.39	Free cash flow / diluted weighted shares.
Operating cash flow per share	$3.77	Cash from operations / diluted weighted shares.
Book value per share	$10.74	Shareholders' equity / shares outstanding (diluted weighted shares when not reported).
Tangible book per share	-$17.40	Tangible book value / shares outstanding.
Cash per share	$4.36	(Cash + short-term investments) / shares outstanding.
Buybacks / FCF	63.7%	Share buybacks / free cash flow, when free cash flow is positive.

Valuation

Metric	Value	How it is calculated
Market cap	$1.68B	Share price x shares outstanding.
Enterprise value	$2.67B	Market cap + total debt - cash - short-term investments.
P/E	17.3x	Market cap / net income. Only when net income is positive.
P/S	1.69x	Market cap / revenue.
P/B	2.63x	Market cap / shareholders' equity. Only when equity is positive.
P/FCF	8.08x	Market cap / free cash flow. Only when free cash flow is positive.
P/OCF	7.27x	Market cap / cash from operations, when positive.
EV/Sales	2.69x	Enterprise value / revenue.
EV/EBIT	15.0x	Enterprise value / operating income, when both are positive.
EV/EBITDA	13.3x	Enterprise value / EBITDA, when both are positive.
EV/FCF	12.8x	Enterprise value / free cash flow, when both are positive.
FCF yield	12.4%	Free cash flow / market cap.
Earnings yield	5.8%	Net income / market cap (the inverse of P/E).
Shareholder yield	7.9%	(Dividends paid + share buybacks) / market cap.

What was EVERTEC, Inc.'s revenue in fiscal 2025?

EVERTEC, Inc. reported revenue of $931.8M for fiscal 2025, 10.2% higher than the year before.

Was EVERTEC, Inc. profitable in fiscal 2025?

Yes. Net income was $141.6M, a net margin of 15.2%.

How much free cash flow did EVERTEC, Inc. generate in fiscal 2025?

Cash from operations of $227.0M minus capital expenditures of $23.3M left free cash flow of $203.7M.

Source: SEC EDGAR XBRL company facts. Where a company tags only year-to-date figures, quarters are worked out as differences. Where a line is not tagged it is left empty, never estimated.

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