The raised full-year guidance and strong Latin America growth signal continued execution on the acquisition strategy. Monitor the Business Solutions segment for further contraction from the Popular discount and watch for margin pressure as Latin America's lower-margin mix grows. The BBChain acquisition adds a new growth vector in digital assets.
How the stock moved after the report
⚠ Clustered BULLISH VIEWSTOCK BELOW ENTRY AT T+1- T+0 · Nov 3 $34.73entry
- T+1 · yesterday −2.02%α +2.39% · $34.03
- T+2 · todayOpen
- T+5 · in 4d Pending
- T+20 · in 26d Pending
- T+60 · in 3mo Pending
Price Chart
How similar events traded
Executive Summary
EVERTEC reported Q3 2026 revenue of $283.0M (+24% YoY, +21% constant currency) and adjusted EPS of $1.07 (+16% YoY), beating consensus estimates of $273.0M and $0.98. The company raised full-year 2026 revenue guidance to $1.088B-$1.096B and adjusted EPS guidance to $4.00-$4.08, reflecting continued momentum from acquisitions and organic growth in Latin America.
Key Financial Metrics
Key Facts
- Q3 2026 revenue $283.0M vs $228.6M YoY, +24% reported, +21% constant currency
- Adjusted EPS $1.07 vs $0.92 YoY, +16%
- GAAP net income $29.9M ($0.49 diluted) vs $32.9M ($0.51) YoY
- Adjusted EBITDA $110.5M, +19% YoY; margin 39.0% vs 40.5%
- Full-year 2026 revenue guidance raised to $1.088B-$1.096B (prior $1.085B-$1.095B)
- Full-year 2026 adjusted EPS guidance raised to $4.00-$4.08 (prior $3.94-$4.04)
- Latin America segment revenue $143.6M, +59% YoY, driven by acquisitions and organic growth
- Business Solutions revenue declined to $58.6M from $61.7M YoY due to 10% Popular discount
- Completed acquisition of BBChain for blockchain and digital asset capabilities
- Repurchased 500,946 shares for $15.4M in Q3; $135M remaining under $150M authorization
Financial Impact
Revenue beat consensus by $10.0M (3.7%); adjusted EPS beat consensus by $0.09 (9.2%); guidance raised for both revenue and adjusted EPS
Segment Breakdown
| Segment | Revenue | Growth |
|---|---|---|
| Payment Services - Puerto Rico & Caribbean | $60.1M | +8.9% |
| Latin America Payments and Solutions | $143.6M | +58.9% |
| Merchant Acquiring, net | $51.0M | +9.1% |
| Business Solutions | $58.6M | -5.0% |
Risk Factors
- Business Solutions revenue continues to contract from the Popular discount
- Adjusted EBITDA margin declining (39.0% vs 40.5% YoY) as Latin America mix increases
- Higher interest expense from acquisition-related debt ($21.5M vs $16.5M YoY)
- Foreign currency exposure: $6M favorable in Q3 but could reverse
- Integration risk from multiple recent acquisitions including BBChain
Market Snapshot
Investment Themes
Documents Analyzed
This report is based on 6 SEC documents filed with EDGAR.
| Document | Accession Number |
|---|---|
| 8-K Filing (Primary) | 0001559865-26-000052 |
| Document: evtc-20261103.htm | 0001559865-26-000052 |
| Document: 0001559865-26-000052-index-headers.html | 0001559865-26-000052 |
| Document: 0001559865-26-000052-index.html | 0001559865-26-000052 |
| Document: 0001559865-26-000052.txt | 0001559865-26-000052 |
| 8-K Data (Synthetic) | 0001559865-26-000052 |
Track record builds as more directional reports settle.
Filters
| Type | Now | ||||
|---|---|---|---|---|---|
Nov 4, 2026 1d ago | 144 | $34.22 | awaiting T+1 | awaiting T+1 | $34.73 (+1.49%) |
Nov 3, 2026 2d ago | 3 | $34.73 $34.03 | ▼ −2.02% | ▲ +2.39% | $34.73 (−0.00%) |
Nov 3, 2026 2d ago | 8-K | $34.73 $34.03 | ▼ −2.02% | ▲ +2.39% | $34.73 (−0.00%) |
Oct 29, 2026 7d ago | 8-K | $31.54 $32.72 | ▲ +3.74% | ▲ +4.22% | $34.73 (+10.11%) |
Aug 24, 2026 10w ago | Insider Cluster | $29.92 $29.76 | ▼ −0.53% | ▼ −0.56% | $34.73 (+16.08%) |
Aug 14, 2026 11w ago | Insider Cluster | $30.39 $29.59 | ▼ −2.63% | ▼ −1.96% | $34.73 (+14.28%) |
Aug 13, 2026 12w ago | Insider Cluster | $31.57 $30.39 | ▼ −3.74% | ▼ −3.27% | $34.73 (+10.01%) |
Aug 4, 2026 13w ago | 8-K | $31.31 $30.94 | ▼ −1.18% | ▼ −1.02% | $34.73 (+10.92%) |
Jun 12, 2026 20w ago | Insider Buy | $27.35 $27.22 | ▼ −0.48% | ▲ +0.12% | $34.73 (+26.98%) |
Jun 9, 2026 21w ago | 8-K | $23.28 $23.94 | ▼ −2.84% | ▼ −4.41% | $34.73 (−49.18%) |
US Market Status
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