EVERTEC, Inc.

EVERTEC, Inc. is a technology company that provides transaction processing and financial technology services across Latin America, Puerto Rico, and the Caribbean. Its operations are organized into four segments: Payment Services - Puerto Rico & Caribbean, Latin America Payments and Solutions, Merchant Acquiring, and Business Solutions. The company offers merchant acquiring services that enable point-of-sale and e-commerce merchants to accept debit, credit, prepaid, and electronic benefit transfer (EBT) cards. It also provides payment processing services for financial institutions and issuers, including credit and debit card processing, authorization and settlement, and fraud monitoring. Additionally, EVERTEC delivers business process management solutions such as core bank processing, network hosting, managed security services, IT professional services, business process outsourcing, item processing, cash processing, and fulfillment. The company owns and operates the ATH network, a personal identification number debit network, and processes approximately ten billion transactions annually through its electronic payment networks.

EVERTEC, Inc. is listed on the New York Stock Exchange (NYSE) under the ticker symbol EVTC. Its financial reporting and trading are conducted in United States Dollars (USD). As a U.S.-based company with a primary listing on a major U.S. exchange, its stock is accessible to investors through standard brokerage accounts that trade on the NYSE. The company's operations, however, span multiple countries in Latin America and the Caribbean, and its revenues are generated in various local currencies, but financial results are consolidated and reported in USD.

EVERTEC, Inc. operates in the Technology sector, specifically within the Software - Infrastructure industry. This classification reflects the company's focus on providing the underlying software and network infrastructure that enables electronic payment processing and financial technology services. As a software infrastructure company, EVERTEC builds and maintains the systems that allow merchants, financial institutions, and government agencies to process transactions securely and efficiently. Its core offerings include payment gateways, network hosting, fraud monitoring, and business process management solutions, all of which are essential components of the digital payments ecosystem. The company's technology supports a high volume of transactions—approximately ten billion annually—through its electronic payment networks, including the proprietary ATH debit network.

EVERTEC, Inc. is headquartered in San Juan, Puerto Rico, and was founded in 1988. The company primarily serves markets in Latin America, Puerto Rico, and the Caribbean. Its customer base includes financial institutions, merchants, corporations, and government agencies across these regions. The company's operations are structured into four segments: Payment Services - Puerto Rico & Caribbean, Latin America Payments and Solutions, Merchant Acquiring, and Business Solutions. EVERTEC's flagship product is the ATH network, a widely used personal identification number debit network in Puerto Rico. By focusing on these geographic areas, EVERTEC has established itself as a key player in the financial technology infrastructure of the region, processing billions of transactions annually through its systems.

EVERTEC generates revenue through multiple streams within its four business segments. In Payment Services - Puerto Rico & Caribbean and Latin America Payments and Solutions, it earns fees from processing transactions for debit, credit, prepaid, and EBT card programs, as well as from authorization, settlement, and fraud monitoring services. The Merchant Acquiring segment generates income by enabling merchants to accept electronic payments, charging fees per transaction or for terminal services. Business Solutions provides recurring revenue from business process management offerings such as core bank processing, network hosting, managed services, IT professional services, business process outsourcing, item processing, cash processing, and fulfillment. Additionally, EVERTEC owns and operates the ATH network, a debit network that generates revenue from transaction fees and network participation fees. The company processes approximately ten billion transactions annually, providing a steady stream of fee-based income.