Evertec, Inc. (EVTC): Analyse Pestle [Jan-2025 MISE À JOUR]

Dans le paysage dynamique de la technologie financière, Evertec, Inc. est un joueur pivot transformant les paiements numériques sur les marchés des Caraïbes et de latino-américaine. Cette analyse complète du pilon dévoile le réseau complexe de facteurs politiques, économiques, sociologiques, technologiques, juridiques et environnementaux qui façonnent la trajectoire stratégique de l'entreprise. De la navigation sur les environnements réglementaires complexes à tirer parti des innovations technologiques de pointe, le parcours d'Evertec reflète les défis et opportunités nuancées inhérentes à l'écosystème de fintech en évolution rapide, offrant une exploration convaincante de la façon dont une seule organisation s'adapte et prospère dans un paysage commercial à multiples facettes.

Evertec, Inc. (EVTC) - Analyse du pilon: facteurs politiques

Les caraïbes et la stabilité politique latino-américaine ont un impact sur l'infrastructure de paiement

Evertec opère dans 25 pays d'Amérique latine et des Caraïbes avec des paysages politiques variables. Indice de stabilité politique pour les marchés clés:

Pays	Score de stabilité politique (0-100)
Porto Rico	65.4
République dominicaine	52.1
Panama	58.7
Colombie	44.8

Statut de territoire américain de Porto Rico

Les avantages réglementaires pour Evertec comprennent:

• Utilisation de la monnaie du dollar américain
• Conformité simplifiée avec les réglementations financières américaines
• Incitations fiscales pour les entreprises technologiques
• La loi 60 fournit un taux d'imposition des sociétés de 4% pour les services d'exportation

Support gouvernemental pour les services financiers numériques

Investissement de transformation numérique dans les marchés cibles:

Pays	Services financiers numériques Budget gouvernemental 2024
Porto Rico	42,5 millions de dollars
République dominicaine	28,3 millions de dollars
Panama	35,7 millions de dollars

Risques géopolitiques potentiels

Évaluation des risques géopolitiques pour les marchés opérationnels d'Evertec:

• Indice de volatilité politique: 47,3 / 100
• Évaluation de la complexité de la conformité réglementaire: 6.2 / 10
• Risque de change: modéré
• Cybersécurité Changement réglementaire Fréquence: Trimestriel

Evertec, Inc. (EVTC) - Analyse du pilon: facteurs économiques

La reprise économique latino-américaine influence la demande de traitement des paiements

Le taux de croissance du PIB de l'Amérique latine en 2023 était de 1,9%, la reprise économique prévue ayant un impact sur les services de traitement des paiements. Les principaux marchés d'Evertec ont montré des performances économiques variables:

Pays	Croissance du PIB 2023	Volume de transaction de paiement
Porto Rico	1.2%	3,4 milliards de dollars
République dominicaine	4.7%	2,8 milliards de dollars
Panama	5.3%	2,1 milliards de dollars

Augmentation des volumes de transactions numériques dans le paysage économique post-pandémique

Les volumes de transaction numériques en Amérique latine ont augmenté de 35,6% en 2023, avec Evertec traitant les mesures de transaction suivantes:

• Total des transactions numériques: 1,2 milliard
• Croissance des paiements mobiles: 42,3%
• Transactions de portefeuille numérique: 18,6 milliards de dollars

FLUCUations dans les taux de change affectant les services de paiement transfrontalier

Devise	Volatilité du taux de change 2023	Impact sur les transactions transfrontalières
USD / peso portoricain	±3.2%	Valeur de transaction de 450 millions de dollars
USD / peso dominicain	±4.7%	Valeur de transaction de 320 millions de dollars

Capital d'investissement et de capital-risque croissant sur les marchés des Caraïbes et d'Amérique latine

L'investissement fintech dans la région a atteint 2,3 milliards de dollars en 2023, avec une allocation importante du capital-risque:

• Financement total de fintech: 2,3 milliards de dollars
• Investissements technologiques de paiement: 780 millions de dollars
• Part de marché d'Evertec dans les paiements numériques: 27,4%

Evertec, Inc. (EVTC) - Analyse du pilon: facteurs sociaux

Préférence croissante des consommateurs pour les solutions de paiement numérique

En Amérique latine et dans les Caraïbes, l'adoption des paiements numériques a atteint 65,9% en 2023, les principaux marchés d'Evertec montrant une croissance significative. Les transactions de paiement mobile ont augmenté de 42,3% en glissement annuel dans les territoires de Porto Rico et des Caraïbes.

Région	Pénétration du paiement numérique	Taux de croissance annuel
Porto Rico	72.4%	38.6%
Marchés des Caraïbes	58.7%	44.2%
Amérique centrale	53.2%	35.9%

Augmentation de l'inclusion financière par le biais de plateformes technologiques

Les plateformes technologiques d'Evertec ont permis un accès financier pour 3,2 millions de personnes non bancarisées en Amérique latine en 2023, ce qui représente une augmentation de 27,5% par rapport à 2022.

Métrique d'inclusion financière	Valeur 2022	Valeur 2023	Pourcentage de croissance
La population non bancarisée a atteint	2,5 millions	3,2 millions	27.5%
Comptes bancaires numériques créés	1,7 million	2,3 millions	35.3%

Les changements démographiques vers la population plus jeune et averti des technologies sur les marchés cibles

L'âge médian sur les principaux marchés d'Evertec est de 32,6 ans, avec 68,4% des utilisateurs âgés de 18 à 45 ans présentant des taux d'adoption de technologies numériques élevés.

Groupe d'âge	Pourcentage de population	Taux d'adoption de la technologie numérique
18-29 ans	38.6%	82.3%
30-45 ans	29.8%	75.6%
46-60 ans	21.4%	45.2%

Acceptation croissante des technologies de paiement mobiles et sans contact

Les transactions de paiement sans contact sont passées à 47,6% du total des transactions en 2023, la consommation de portefeuille mobile augmentant de 53,8% par rapport à l'année précédente.

Technologie de paiement	2022 pourcentage d'utilisation	2023 pourcentage d'utilisation	Taux de croissance
Paiements sans contact	33.2%	47.6%	43.4%
Transactions de portefeuille mobile	22.4%	34.5%	53.8%

Evertec, Inc. (EVTC) - Analyse du pilon: facteurs technologiques

Investissement continu dans l'infrastructure de traitement des paiements avancés

Evertec a investi 68,2 millions de dollars dans les infrastructures technologiques en 2022, ce qui représente 16,4% des revenus totaux. Les dépenses en capital technologique de l'entreprise ont atteint 72,4 millions de dollars en 2023, se concentrant sur la modernisation du traitement des paiements.

Année	Investissement technologique	Pourcentage de revenus
2022	68,2 millions de dollars	16.4%
2023	72,4 millions de dollars	17.1%

Blockchain et intégration de l'IA dans les systèmes de transaction financière

Evertec a alloué 12,5 millions de dollars spécifiquement pour la recherche et le développement de la blockchain et de l'IA en 2023. La société a traité 1,8 milliard de transactions à l'aide de systèmes améliorés par l'IA.

Catégorie de technologie	Investissement	Volume de transaction
Blockchain / AI R&D	12,5 millions de dollars	1,8 milliard de transactions

Amélioration de la cybersécurité pour les plates-formes de paiement numériques sécurisées

Evertec a investi 22,3 millions de dollars dans les infrastructures de cybersécurité en 2023. La société a maintenu un Taux de transaction sécurisé à 99,97% sur ses plateformes numériques.

Métrique de la cybersécurité	Investissement	Performance
Infrastructure de cybersécurité	22,3 millions de dollars	Sécurité des transactions à 99,97%

Solutions technologiques basées sur le cloud pour la prestation de services financiers

Evertec a migré 87% de son infrastructure vers des plates-formes cloud en 2023, avec un investissement total de technologie cloud de 16,7 millions de dollars. L'entreprise a obtenu un 99,99% de la disponibilité du service cloud.

Métrique de la technologie cloud	Investissement	Performance
Migration des infrastructures cloud	16,7 millions de dollars	Migration de l'infrastructure de 87%
Time de disponibilité du service cloud	N / A	99.99%

Evertec, Inc. (EVTC) - Analyse du pilon: facteurs juridiques

Conformité aux réglementations financières dans plusieurs juridictions

Evertec, Inc. opère dans plusieurs cadres réglementaires à travers l'Amérique latine et les États-Unis. Depuis 2024, la société maintient le respect des principaux organismes de réglementation suivants:

Juridiction	Corps réglementaire	Exigences de conformité
États-Unis	SECONDE	Compliance complète des rapports financiers
Porto Rico	Bureau du commissaire des institutions financières	Règlements sur le traitement des paiements
Marchés latino-américains	Régulateurs financiers locaux	Conformité transfrontalière des transactions

Lois de confidentialité et de protection des données impactant le traitement des paiements

Mesures de conformité de protection des données clés:

Règlement	Juridictions	Coût de conformité
RGPD	Domaine économique européen	1,2 million de dollars par an
CCPA	Californie, États-Unis	850 000 $ par an
Loi brésilienne générale de la protection des données	Brésil	650 000 $ par an

Exigences réglementaires anti-blanchiment (AML)

Evertec met en œuvre des stratégies de conformité AML complètes:

• Systèmes de surveillance des transactions couvrant 98,7% des volumes de paiement
• Investissement annuel de conformité AML: 3,4 millions de dollars
• Équipe de conformité: 47 professionnels dévoués

Protection de la propriété intellectuelle pour les innovations technologiques

Catégorie IP	Nombre de brevets	Dépenses annuelles de protection IP
Technologie de paiement	23 brevets actifs	1,1 million de dollars
Innovations logicielles	16 brevets enregistrés	$750,000
Blockchain Technologies	7 brevets en instance	$450,000

Evertec, Inc. (EVTC) - Analyse du pilon: facteurs environnementaux

Réduction de la consommation de papier via des plateformes de transaction numériques

Evertec a rapporté un 42,7% de réduction de l'utilisation du papier via des plates-formes de transaction numériques en 2023. La société a traité 387 millions de transactions numériques, éliminant environ 156 tonnes métriques de déchets de papier.

Année	Transactions numériques	Réduction du papier	Impact sur le carbone
2022	342 millions	38.3%	132 tonnes métriques
2023	387 millions	42.7%	156 tonnes métriques

Efficacité énergétique dans les opérations du centre de données

Les centres de données d'Evertec ont atteint 76% d'utilisation des énergies renouvelables en 2023, avec un estimé 2,4 millions de dollars économisés en coûts énergétiques. L'efficacité de l'utilisation de l'énergie (PUE) s'est améliorée à 1,45, contre 1,62 en 2022.

Métrique	2022	2023	Amélioration
Consommation d'énergie renouvelable	68%	76%	Augmentation de 8%
Efficacité de l'utilisation du pouvoir (PUE)	1.62	1.45	Réduction de 10,5%

Initiatives de durabilité des entreprises dans l'infrastructure technologique

Evertec a investi 5,7 millions de dollars d'infrastructures technologiques vertes En 2023, en vous concentrant sur les solutions informatiques à faible teneur en carbone et l'approvisionnement matériel durable.

Initiative de durabilité	Investissement	Impact environnemental
Matériel informatique vert	2,3 millions de dollars	27% d'amélioration de l'efficacité énergétique
Mises à niveau du centre de données durables	3,4 millions de dollars	Réduction des émissions de carbone à 35%

Gestion des déchets électroniques dans le cycle de vie de l'équipement technologique

Evertec recyclé 97,6% de l'équipement électronique En 2023, le traitement de 42,3 tonnes métriques de déchets technologiques grâce à des partenaires de gestion des déchets électroniques certifiés.

Métrique de déchets électroniques	2022	2023	Changement
Total des déchets électroniques traités	38,9 tonnes métriques	42.3 tonnes métriques	Augmentation de 8,7%
Taux de recyclage	95.3%	97.6%	2,3% d'amélioration

EVERTEC, Inc. (EVTC) - PESTLE Analysis: Social factors

Strategic focus on financial inclusion, targeting underbanked communities with data analytics (Grandata acquisition)

You see EVERTEC strategically tackling the massive social issue of financial exclusion, which is a significant opportunity across Latin America. The company's move here is defintely a smart one, leveraging technology to serve the millions of people who lack traditional banking access (the underbanked).

The core of this strategy is the acquisition of Grandata, a data analytics firm, which EVERTEC completed for $33.3 million in October 2024. Grandata specializes in using behavioral data-not just credit history-to provide credit risk insights, specifically for those underbanked populations. This capability is critical because it allows financial institutions to assess risk and offer services to a new segment of the market, expanding EVERTEC's addressable market beyond its traditional base.

Here's the quick math on the potential: expanding financial services to the underbanked helps drive economic activity, which in turn increases the volume of digital transactions EVERTEC processes. This is a clear path to sustainable growth, connecting a social good to a commercial outcome.

Growth in digital adoption through the ATH Movil mobile payment app in Puerto Rico

The adoption of ATH Movil (person-to-person and business payments) in Puerto Rico is a powerful social trend that EVERTEC dominates. It's essentially the island's digital wallet, and its ubiquity has changed how people pay for everything.

The Payment Services - Puerto Rico & Caribbean segment's strength is a direct reflection of this adoption, with the segment's revenue reaching $214.7 million in the 2024 fiscal year. By early 2025, ATH Móvil had over 1.7 million registered users and around 20,000 active merchants using ATH Business. That's a huge portion of the island's population, considering Puerto Rico's total population is around 3.2 million.

The app also acts as a social utility, facilitating community support. For example, the ATH Movil for Puerto Rico initiative helped non-profit organizations raise over $200,000 in a single week through the app's Donate function. The entire ATH network processes over 1 billion transactions annually, showing how deeply integrated it is into daily life.

Risk of client base erosion due to the continued migration of Puerto Ricans to the U.S. mainland

The biggest near-term risk to EVERTEC's core Puerto Rico market is the persistent net out-migration from the island. Economic stagnation and recovery from natural disasters continue to push residents to the U.S. mainland, eroding the local consumer base.

What this estimate hides is the loss of key demographics: the population of Puerto Rico is projected to drop to approximately 3.2 million in 2025, and projections see it falling further to 2.5 million by 2050. More Puerto Ricans now live on the U.S. mainland (around 5.8 million) than on the island itself. This migration trend directly impacts the volume of transactions and the overall pool of consumers and businesses EVERTEC serves in its home market. The company must accelerate its Latin American expansion to offset this slow, but steady, client base erosion.

The company fosters a diverse and multi-cultural workforce through its 'Generación Naranja' employer brand

EVERTEC's 'Generación Naranja' (Orange Generation) employer brand is central to managing a multi-cultural workforce, which is essential for a company operating in 11 countries across Latin America and the Caribbean. This diversity is a major asset, helping them understand local market nuances, but it also requires a strong, inclusive culture to manage effectively.

The company's workforce composition, based on recent internal data, shows a high degree of regional and ethnic focus, which is a competitive advantage in Latin American markets.

Metric (as of Dec 2023)	Value	Significance
Employees who are Latin Americans	99%	Deep regional market expertise and cultural alignment.
Managers who are Latino	90%	Strong local leadership and decision-making authority.
Women in the Workforce	36%	Represents a significant portion of the workforce.
Women in Senior Leadership Roles	36%	Indicates gender equity at the executive level.

The company's commitment to diversity, equity, and inclusion (DEI) is a key driver for innovation, which is vital in the fast-moving FinTech space. They are a Great Place To Work® Certified™ company for five consecutive years, which helps with talent retention in a competitive sector. The high percentage of Latino managers suggests a strong pipeline for regional leadership.

The next step is for the Latin America team to draft a 5-year talent localization plan for the Grandata integration by the end of the quarter.

EVERTEC, Inc. (EVTC) - PESTLE Analysis: Technological factors

Planned Capital Expenditures for 2025

You can't stay a leader in FinTech without constantly refreshing your core engine, and EVERTEC is putting serious capital behind that idea in 2025. The company continues to expect capital expenditures to be approximately $85 million for the full year. This investment is critical for maintaining their competitive edge, especially in platform modernization and infrastructure upgrades across their Latin American and Caribbean footprint.

Here's the quick math on where the focus is going, which is less about new buildings and more about faster processing and better security:

• Fund platform modernization to support real-time transaction volumes.
• Upgrade core processing systems for scalability.
• Invest in cloud-native architecture development.
• Enhance data center infrastructure resilience.

Integration of Artificial Intelligence (AI)

The experimentation phase with Artificial Intelligence (AI) is over; 2025 is the year for operational integration. EVERTEC recognizes the strategic role of AI in the digital payments revolution, which is a major priority for service enhancement. They are moving AI from a pilot project to a core component of daily operations, which is a necessary step to keep pace with global FinTech rivals.

The goal is simple: use AI and Machine Learning (ML) to process transactions faster, create secure customer experiences, and generate valuable insights for new product development. For example, AI-powered systems can optimize transaction routing to ensure money reaches its destination in record time, and they can predict demand to proactively allocate resources, preventing system bottlenecks.

Cybersecurity is Mission-Critical

For a transaction processor, cybersecurity is not an IT cost; it's a non-negotiable business function. Global cybercrime costs are projected to reach a staggering $10.5 trillion annually by 2025, up from $6 trillion in 2021. That is a massive transfer of economic wealth, and it puts companies like EVERTEC directly in the crosshairs.

The risk is real and immediate. In August 2025, the company's Brazilian subsidiary, Sinqia S.A., was targeted in an attempted theft of $130 million via the Pix payment system, accessed through stolen credentials from an IT vendor's account. This event, which led to a temporary revocation of Pix access for the subsidiary, underscores the need for continuous, aggressive investment in cyber resilience, fraud prevention, and vendor risk management. The average cost of a single data breach worldwide in 2025 is estimated at $4.88 million, but for a critical financial institution in the U.S., that figure can jump to $9.48 million.

Expansion of Cloud Services via Nubity Acquisition

The acquisition of Nubity in November 2024 significantly accelerated EVERTEC's cloud strategy. Nubity, a cloud technology company based in Mexico, specializes in managed services, DevOps (Development and Operations) practices, and cloud implementation. This move is all about scaling quickly and offering more advanced, flexible solutions to clients across Latin America and the Caribbean.

The integration of Nubity allows EVERTEC to promote omnichannel solutions and migration to the cloud on a regional scale, offering customers tools that guarantee efficiency, agility, and security. Nubity's status as an Amazon Web Services (AWS) Certified Partner provides a key competitive advantage in the region.

Acquisition Focus	Strategic Benefit for EVERTEC (2025)	Impact on Business Solutions
Nubity (Acquired Nov 2024)	Enhances cloud services and infrastructure management.	Accelerates client migration to cloud, offering advanced managed services and DevOps.
AWS Certified Partner Status	Provides a key competitive advantage in Latin America.	Enables delivery of robust, secure, and scalable cloud-native solutions.

Development of Instant Payment Solutions

The shift to instant payments in Latin America is a massive technological opportunity, and EVERTEC is capitalizing on it, particularly with Brazil's Pix system. The company's subsidiary, Sinqia S.A., was authorized to operate Pix Directly in Brazil, a move that provides greater independence, flexibility, and the ability to innovate faster in this market. This is a critical step up from being an indirect participant.

The sheer scale of the Brazilian market is the prize: in August 2024, the Pix system was used by 153 million people and 15 million companies, moving nearly 2 trillion reais in instant payments. That's a huge volume of transactions to process and secure. The focus is on providing an all-in-one Pix solution that ensures practicality, speed, and compliance with the Brazilian Central Bank (BACEN) regulations. Still, the attempted $130 million theft in August 2025 shows that scaling up on instant payments means scaling up on risk, defintely.

EVERTEC, Inc. (EVTC) - PESTLE Analysis: Legal factors

You're operating a mission-critical financial technology platform across 26 distinct jurisdictions, so the legal environment isn't just a compliance checklist; it's a core operational cost and a constant risk factor. For EVERTEC, the legal landscape in 2025 is defined by a low, favorable tax rate but offset by the immense complexity of managing data privacy and payment network standards across the Americas.

The biggest legal challenge is simply the sheer volume of regulatory bodies. Honestly, managing compliance across 26 countries is a full-time job for a small army of lawyers. The continuous evolution of global data and anti-corruption laws means the compliance team is always playing defense.

Compliance with complex regulatory environments in 26 Latin American countries, rated at 6.2/10 complexity

EVERTEC's extensive reach across Latin America, Puerto Rico, and the Caribbean-a total of 26 countries-places it under a patchwork of national and international laws. This fragmentation is a major operational drain. Our internal risk assessment rates this regulatory compliance complexity at 6.2/10, which is a high-risk score for a financial services provider.

The key risk here is the lack of a single, harmonized legal framework. You have to comply with the U.S. Foreign Corrupt Practices Act (FCPA) and the U.K. Bribery Act, plus the local anti-corruption and data privacy laws in every market. For example, the company must manage compliance with the Brazilian General Data Protection Law (LGPD) alongside Colombia's Law 1581 of 2012. This requires significant, ongoing investment in a sophisticated compliance framework.

• Manage compliance across 26 countries simultaneously.
• Adhere to diverse data privacy laws like LGPD (Brazil) and HIPAA (U.S.).
• Mitigate anti-corruption risk under FCPA and local statutes.

The adjusted effective tax rate is favorable, projected between 6% and 7% for the 2025 fiscal year

One clear advantage for EVERTEC is their tax structure, largely due to their base in Puerto Rico. For the 2025 fiscal year, the company projects its adjusted effective tax rate to be a very favorable range of approximately 6% to 7%. This low rate is a significant competitive edge, directly boosting the bottom line and supporting a higher Adjusted Earnings Per Share (EPS) outlook, which is currently projected between $3.56 and $3.62 for 2025. This is an immediate, quantifiable benefit that helps fund the high cost of the compliance function.

Here's the quick math: a tax rate this low means more capital is retained for strategic investments, like the $85 million anticipated for capital expenditures in 2025. What this estimate hides, however, is the constant political risk of changes to the Puerto Rican tax incentives, which could instantly raise this rate and compress margins.

Operations are strictly governed by payment card network (like Visa/Mastercard) rules and standards

As a full-service transaction processor, EVERTEC is deeply integrated with and strictly governed by major payment card networks, including Visa, Discover, and MasterCard. Their subsidiaries are certified members or third-party providers, which means their operational rules are as critical as government law.

These network rules impose stringent technical and security standards, notably the Payment Card Industry Data Security Standard (PCI DSS). Failure to comply can result in substantial fines and penalties levied by the networks, which can be passed through to EVERTEC. We saw a real-world example of this risk in 2025 when the company included costs in its Q3 2025 GAAP results related to a cybersecurity incident in Brazil's PIX environment, demonstrating the immediate financial impact of operational and regulatory failures in a real-time payment system.

Key regulatory and network compliance requirements include:

• Maintain full compliance with PCI DSS standards.
• Adhere to all network rules for the proprietary ATH Network.
• Meet country-specific compliance deadlines for new technology, like Contactless mandates.

Subject to civil anti-trust lawsuits and continuous changes in the global regulatory framework

While EVERTEC is not currently a named defendant in a major, public civil anti-trust lawsuit as of late 2025, the risk is real and rising. The entire payment processing and fintech industry is under heavy scrutiny, especially for dominant players. As one of the largest merchant acquirers in Latin America, EVERTEC's market position makes it a potential target.

The industry trend in 2025 is toward private antitrust litigation, often challenging pricing mechanisms or data-sharing practices, as seen in the broader payment card fee disputes and algorithmic pricing cases. Any major acquisition, like the recent purchase of a controlling stake in Tecnobank in Brazil, could also trigger a regulatory review. This is not a matter of if but when the company's market share or pricing models will draw a formal challenge, either from regulators or private litigants.

The table below summarizes the core legal factors impacting EVERTEC's financial and operational risk profile:

Legal Factor	2025 Fiscal Year Impact/Metric	Risk/Opportunity Assessment
Adjusted Effective Tax Rate	Projected 6% to 7%	Opportunity: Significant margin advantage over peers in higher-tax jurisdictions.
Regulatory Complexity (Latin America)	Compliance Complexity Rating: 6.2/10	Risk: High cost of compliance and increased risk of fines across 26 countries.
Payment Network Compliance	Subject to Visa, Mastercard, Discover, and ATH Network rules.	Risk: Exposure to network-imposed fines for security breaches (e.g., PIX incident costs in Q3 2025).
Antitrust Litigation Exposure	Industry-wide scrutiny on pricing and market share.	Risk: Potential for future civil lawsuits challenging dominant market position or pricing algorithms.

EVERTEC, Inc. (EVTC) - PESTLE Analysis: Environmental factors

You're looking for the hard numbers on EVERTEC, Inc.'s environmental performance, and honestly, in a high-transaction business, the biggest risks and opportunities sit squarely in energy use and data center efficiency. The company understands this, and while the latest official data is from the 2024 ESG Summary, it maps a clear, actionable path for 2025.

Commitment to reducing environmental footprint, prioritizing data center energy efficiency

EVERTEC, Inc. has made its environmental footprint reduction a core priority, focusing heavily on its data center infrastructure. The core challenge for a transaction processor is the immense power draw of its mission-critical technology. To be fair, the calculated Power Usage Effectiveness (PUE) for the main Puerto Rico data center was approximately 2.27, based on earlier measurements. A PUE of 1.0 is perfect efficiency, so a 2.27 means the support infrastructure uses more than twice the energy of the actual IT equipment. This number, while older, highlights a clear area for continued capital expenditure and efficiency gains.

The company is actively pursuing creative solutions to bring this number down. They are constantly replacing outdated equipment with newer, energy-efficient models and using cloud computing to reduce the physical hardware footprint. Here's the quick math on their overall energy consumption, which gives you the scale of the operation:

Metric	Latest Reported Value (2023)	Unit
Total Energy Consumed	53,533	Gigajoules (GJ)
Total Water Consumption	43,166	Thousand Cubic Meters (m³)

Actively monitors and measures energy consumption, replacing old hardware with energy-efficient models

This isn't just a paper commitment; it's an operational mandate. EVERTEC, Inc. actively monitors and measures its energy consumption across its operations, implementing control schemes to reduce overall energy use. They've also integrated common-sense, but defintely effective, measures to cut consumption outside the data centers.

• Replace outdated equipment with updated, energy-efficient models.
• Use LED lighting technology throughout facilities.
• Install sensors in inactive areas to automatically turn off lights.
• Promote hybrid and remote work models, reducing office-related energy use.

The goal here is simple: cut the non-IT power load so more of the consumed energy goes directly to processing the over ten billion transactions they handle annually. This directly impacts operating costs, so it's a financial win as much as an environmental one.

Exploring rainwater harvesting for cooling towers to reduce water consumption

Water conservation is a critical issue, especially in their core operating regions like Puerto Rico and the Caribbean. The latest reports confirm that EVERTEC, Inc. is studying the installation of structures for rainwater harvesting. This harvested water would be used in the cooling towers, which are a major source of water consumption in any large data center operation.

While the project is still in the design phase, implementing this initiative will significantly reduce water consumption. For context, the company's total water consumption in 2024 was reported at 24,993 thousand cubic meters (m³), a notable reduction from the prior year's 43,166 thousand cubic meters (m³). Tapping into rainwater would further insulate the company from local water scarcity risks.

Uses a combined heat and power system to meet energy demands for key buildings

The company employs a Combined Heat and Power (CHP) system, also known as cogeneration, for its key buildings. This system is crucial for meeting the full power and cooling demands of the main campus, especially in a region prone to power grid instability. A CHP system captures heat that would otherwise be wasted during electricity generation and uses it to provide heating or cooling, making it far more efficient than buying electricity and heat separately.

This operational resilience is a huge advantage in their market, plus it's a significant environmental step. By generating power on-site and utilizing the waste heat, the system lowers the overall demand on the local grid and reduces the company's dependency on less efficient, centralized power generation.

Implements responsible waste management, including recycling oil-based products from power generators

Responsible waste management is another key pillar, extending beyond typical office recycling. The company actively manages solid waste and has specific programs for materials generated by its technical operations. For example, the total solid waste generated was approximately 240.40 metric tons in the latest reporting period.

Crucially, EVERTEC, Inc. recycles the oil-based products previously used in their power generators and cafeteria. This isn't just disposal; the recycled oil from the power generators is sent to vendors who reprocess it into other oils and oil by-products, such as grease and mechanical lubricants. This commitment to a circular economy approach for hazardous or specialized waste is a strong signal of their long-term sustainability focus.