Evertec Inc 2024年度报告

FORM10-K ☒ANNUAL REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIESEXCHANGE ACT OF 1934 For the fiscal year endedDecember31, 2024or TRANSITION REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIESEXCHANGE ACT OF 1934 Commission File Number001-35872 EVERTEC, Inc. (Exact name of registrant as specified in its charter) Puerto Rico(State or other jurisdiction ofincorporation or organization) 66-0783622(I.R.S. employeridentification number) Indicate by check mark if the registrant is a well-known seasoned issuer, as defined in Rule 405 of the Securities Act.Yes☒No☐ Indicate by check mark if the registrant is not required to file reports pursuant to Section13 or Section15(d) of the Act.Yes☐No☒ Indicate by check mark whether the registrant (1)has filed all reports required to be filed by Section13 or 15(d) of the Securities Exchange Act of 1934 during thepreceding 12 months (or for such shorter period that the registrant was required to file such reports), and (2)has been subject to such filing requirements for the past 90days.Yes☒No☐ Indicate by check mark whether the registrant has submitted electronically every Interactive Data File required to be submitted pursuant to Rule 405 of Regulation S-T(§232.405 of this chapter) during the preceding 12 months (or for such shorter period that the registrant was required to submit such files).Yes☒No☐ Indicate by check mark whether the registrant is a large accelerated filer, an accelerated filer, a non-accelerated filer, a smaller reporting company or an emerging growthcompany. See the definitions of “large accelerated filer,” “accelerated filer,” “smaller reporting company” and “emerging growth company” in Rule 12b-2 of theExchange Act.: If an emerging growth company, indicate by check mark if the registrant has elected not to use the extended transition period for complying with any new or revisedfinancial accounting standards provided pursuant to Section 13(a) of the Exchange Act.☐ Indicate by check mark whether the registrant has filed a report on and attestation to its management’s assessment of the effectiveness of its internal control overfinancial reporting under Section 404(b) of the Sarbanes-Oxley Act (15 U.S.C.7262(b)) by the registered public accounting firm that prepared or issued its audit report.☒ If securities are registered pursuant to Section 12(b) of the Act, indicate by check mark whether the financial statements of the registrant included in the filing reflect thecorrection of an error to previously issued financial statements.☐ Indicate by check mark whether any of those error corrections are restatements that required a recovery analysis of incentive-based compensation received by any of theregistrant's executive officers during the relevant recovery period pursuant to §240.10D-1(b).☐ Indicate by check mark whether the registrant is a shell company (as defined in Rule 12b-2 of the Act).Yes☐No☒ The aggregate market value of the common stock held by non-affiliates of EVERTEC, Inc. was approximately $1,400,653,424based on the closing price of $33.25 as ofthe close of business on June 30, 2024. As of February20, 2025, there were63,614,077outstanding shares of common stock of EVERTEC, Inc. Documents Incorporated by Reference: Specifically identified portions of the registrant’s definitive Proxy Statement relating to its 2025 Annual Meeting of Stockholders areincorporated by reference in Part III of this Annual Report on Form 10-K where indicated. The Registrant's definitive proxy statement will be filedwith the U.S. Securities and Exchange Commission (the "SEC") within 120 days after the end of the registrant's fiscal year ended December 31,2024. Table of Contents EVERTEC, Inc.2024 Annual Report on Form 10-K TABLE OF CONTENTS Part IItem1—BusinessItem1A—Risk Factors14Item1B—Unresolved Staff Comments32Item1C—Cybersecurity32Item2—Properties34Item3—Legal Proceedings34Item4—Mine Safety Disclosures34Part IIItem5—Market for Registrant’s Common Equity, Related Stockholder Matters and Issuer Purchases of Equity Securities35Item6—[Reserved]36Item7—Management’s Discussion and Analysis of Financial Condition and Results of Operations37Item7A—Quantitative and Qualitative Disclosures About Market Risk50Item8—Financial Statements and Supplementary Data52Item9—Changes in and Disagreements with Accountants on Accounting and Financial Disclosure52Item9A—Controls and Procedures52Item9B—Other Information52Item 9C— Disclosure Regarding Foreign Jurisdictions that Prevent Inspections52Part IIIItem10—Directors, Executive Officers and Corporate Governance53Item11—Executive Compensation56Item12—Security Ownership of Certain Beneficial Owners and Management and Related Stockholder Matters57Item13—Certain Relationships and Related Transactions and Director Independence57Item14—Principal Accountant Fees and Services57Part IVItem15—Exhibits and Financial Statement Schedules58Item 16—Form 10-K Summary50Signatures62 Forward-Looking Statements and Ri