What guidance did Evertec's management provide for the next earnings period?

What is the revenue and EPS growth rate for Evertec year over year?

What does Evertec do and what are its main business segments?

What is Evertec's gross profit margin?

What factors drove the changes in Evertec's revenue and profit?

What were the key takeaways from Evertec's earnings call?

What were the key takeaways from Evertec’s earnings call?

What is the market's earnings forecast for Evertec next quarter?

- **Q3 Strong Performance**: 8% revenue growth to $228.6 million, driven by 19% LatAm expansion and key wins in Chile/Peru.
- **Cybersecurity Resolution**: Brazil incident resolved with minimal client impact; no broader business disruption.
- **Leadership Refresh**: Promotions of Joaquin (COO) and Karla (CFO) signal strategic focus on LatAm growth and financial discipline.
- **2025 Guidance Beat**: Updated revenue $921-927M (8.9%-9.6% growth), EPS $3.53-3.63 (8.5%-10.4% growth).
- **2026 Outlook**: LatAm cross-sell opportunities offset $14M Popular discount headwind; 40% EBITDA margin target.

**【CEO Summary Section】**
- **Q3 2025 Revenue Growth**: $228.6 million, up 8% YoY, driven by strong organic growth across all segments. LatAm revenue increased 19% YoY, fueled by Brazil's reacceleration and acquisitions (Grandata, Nubity, Tecnobank). Key wins include Banco de Chile and Financiera Oh in Chile and Peru.
- **Cybersecurity Incident Resolution**: Unauthorized activity in Brazil's PIX system resolved with minimal client impact. Systems restored with BCB approval, and 95%+ funds recovered. No impact on other products or geographies.
- **Leadership Transition**: Joaquin Castrillo promoted to COO; Karla Cruz-Jusino becomes CFO. Both bring deep financial and operational expertise.

**【CFO Financial Commentary】**
- **Financial Highlights**: Adjusted EBITDA $92.6 million (6% YoY growth), margin 40.5%. Adjusted EPS $0.92 (7% YoY). Operating cash flow $157 million; liquidity $518.6 million.
- **Segment Performance**: Merchant Acquiring (+3%), Payment Services (+5%), LatAm Payments (+19%), Business Solutions (+1%). Margins stable despite LatAm organic growth headwinds.
- **2025 Guidance Update**: Revenue $921-927 million (8.9%-9.6% growth), adjusted EPS $3.53-3.63 (8.5%-10.4% growth). 2026 outlook: LatAm growth, cross-sell opportunities, and cost efficiencies to offset Popular discount headwinds.

**【Q&A Key Highlights】**
- **LatAm Expansion**: Products scalable across region; cross-sell opportunities with Sinqia and Tecnobank. Brazil's PIX system incident did not harm commercial momentum.
- **Government Shutdown Impact**: No direct impact on Puerto Rico business; SNAP funding secured through November.
- **Margins**: 40% EBITDA margin for 2025. 2026 margin pressure from Popular discount ($14M headwind) offset by cost initiatives and debt repricing.
- **Capital Allocation**: $150M share buyback program; balanced approach to M&A and stock repurchases.

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