Evertec, Inc. (EVTC): Análise de Pestle [Jan-2025 Atualizada]

No cenário dinâmico de tecnologia financeira, a Evertec, Inc. é como um jogador fundamental que transforma pagamentos digitais nos mercados do Caribe e da América Latina. Essa análise abrangente de pestles revela a intrincada rede de fatores políticos, econômicos, sociológicos, tecnológicos, legais e ambientais que moldam a trajetória estratégica da empresa. Desde a navegação em ambientes regulatórios complexos até a alavancagem de inovações tecnológicas de ponta, a jornada de Evertec reflete os desafios e oportunidades diferenciadas inerentes ao ecossistema de fintech em rápida evolução, oferecendo uma exploração atraente de como uma única organização se adapta e prospera em uma paisagem comercial multifacetada.

Evertec, Inc. (EVTC) - Análise de pilão: fatores políticos

A estabilidade política do Caribe e da América Latina afeta a infraestrutura de pagamento

O Evertec opera em 25 países latino -americanos e do Caribe com paisagens políticas variadas. Índice de Estabilidade Política para os principais mercados:

País	Pontuação de estabilidade política (0-100)
Porto Rico	65.4
República Dominicana	52.1
Panamá	58.7
Colômbia	44.8

Território dos EUA status de Porto Rico

As vantagens regulatórias para o evertec incluem:

• Uso de moeda em dólares americanos
• Conformidade simplificada com regulamentos financeiros dos EUA
• Incentivos fiscais para empresas de tecnologia
• A Lei 60 fornece 4% de taxa de imposto corporativo para serviços de exportação

Apoio ao governo para serviços financeiros digitais

Investimento de transformação digital nos mercados -alvo:

País	Serviços financeiros digitais Orçamento do governo 2024
Porto Rico	US $ 42,5 milhões
República Dominicana	US $ 28,3 milhões
Panamá	US $ 35,7 milhões

Riscos geopolíticos potenciais

Avaliação de risco geopolítico para os mercados operacionais da Evertec:

• Índice de Volatilidade Política: 47.3/100
• Classificação da complexidade da conformidade regulatória: 6.2/10
• Risco de troca de moeda: moderado
• Alterações regulatórias de segurança cibernética Frequência: trimestral

Evertec, Inc. (EVTC) - Análise de Pestle: Fatores econômicos

A recuperação econômica latino -americana influencia a demanda de processamento de pagamento

A taxa de crescimento do PIB da América Latina em 2023 foi de 1,9%, com a recuperação econômica projetada impactando os serviços de processamento de pagamentos. Os principais mercados da Evertec mostraram desempenho econômico variável:

País	Crescimento do PIB 2023	Volume de transação de pagamento
Porto Rico	1.2%	US $ 3,4 bilhões
República Dominicana	4.7%	US $ 2,8 bilhões
Panamá	5.3%	US $ 2,1 bilhões

Aumento dos volumes de transações digitais no cenário econômico pós-panorâmico

Os volumes de transações digitais na América Latina aumentaram 35,6% em 2023, com o processamento do Evertec as seguintes métricas de transação:

• Transações digitais totais: 1,2 bilhão
• Crescimento do pagamento móvel: 42,3%
• Transações da carteira digital: US $ 18,6 bilhões

Flutuações em taxas de câmbio que afetam os serviços de pagamento transfronteiriços

Moeda	Taxa de câmbio Volatilidade 2023	Impacto nas transações transfronteiriças
Peso USD/porto -riquenho	±3.2%	Valor da transação de US $ 450 milhões
Peso USD/dominicano	±4.7%	Valor da transação de US $ 320 milhões

Crescente de investimento e capital de risco em fintech nos mercados do Caribe e da América Latina

O investimento da Fintech na região atingiu US $ 2,3 bilhões em 2023, com alocação significativa de capital de risco:

• Total FinTech Funding: US $ 2,3 bilhões
• Investimentos em tecnologia de pagamento: US $ 780 milhões
• Participação de mercado da Evertec em pagamentos digitais: 27,4%

Evertec, Inc. (EVTC) - Análise de Pestle: Fatores sociais

Crescente preferência do consumidor por soluções de pagamento digital

Na América Latina e no Caribe, a adoção de pagamentos digitais atingiu 65,9% em 2023, com os principais mercados da Evertec mostrando um crescimento significativo. As transações de pagamento móvel aumentaram 42,3% ano a ano nos territórios de Porto Rico e Caribe.

Região	Penetração de pagamento digital	Taxa de crescimento anual
Porto Rico	72.4%	38.6%
Mercados do Caribe	58.7%	44.2%
América Central	53.2%	35.9%

Aumentando a inclusão financeira através de plataformas de tecnologia

As plataformas tecnológicas da Evertec permitiram acesso financeiro para 3,2 milhões de indivíduos não bancários na América Latina em 2023, representando um aumento de 27,5% em relação a 2022.

Métrica de inclusão financeira	2022 Valor	2023 valor	Porcentagem de crescimento
A população não bancária alcançou	2,5 milhões	3,2 milhões	27.5%
Contas bancárias digitais criadas	1,7 milhão	2,3 milhões	35.3%

Mudanças demográficas para a população mais jovem e experiente em tecnologia nos mercados-alvo

A idade média nos principais mercados da Evertec é de 32,6 anos, com 68,4% dos usuários de 18 a 45 anos demonstrando altas taxas de adoção de tecnologia digital.

Faixa etária	Porcentagem de população	Taxa de adoção de tecnologia digital
18-29 anos	38.6%	82.3%
30-45 anos	29.8%	75.6%
46-60 anos	21.4%	45.2%

Aceitação crescente de tecnologias de pagamento móvel e sem contato

As transações de pagamento sem contato aumentaram para 47,6% do total de transações em 2023, com o uso de carteira móvel crescendo 53,8% em comparação com o ano anterior.

Tecnologia de pagamento	2022 Porcentagem de uso	2023 porcentagem de uso	Taxa de crescimento
Pagamentos sem contato	33.2%	47.6%	43.4%
Transações de carteira móvel	22.4%	34.5%	53.8%

Evertec, Inc. (EVTC) - Análise de Pestle: Fatores tecnológicos

Investimento contínuo em infraestrutura de processamento de pagamento avançado

A Evertec investiu US $ 68,2 milhões em infraestrutura de tecnologia em 2022, representando 16,4% da receita total. As despesas de capital tecnológico da empresa atingiram US $ 72,4 milhões em 2023, com foco na modernização do processamento de pagamentos.

Ano	Investimento em tecnologia	Porcentagem de receita
2022	US $ 68,2 milhões	16.4%
2023	US $ 72,4 milhões	17.1%

Integração de blockchain e IA em sistemas de transações financeiras

A Evertec alocou US $ 12,5 milhões especificamente para pesquisa e desenvolvimento de blockchain e IA em 2023. A Companhia processou 1,8 bilhão de transações usando sistemas aprimorados da AI.

Categoria de tecnologia	Investimento	Volume de transação
Blockchain/AI R&D	US $ 12,5 milhões	1,8 bilhão de transações

Aprimoramento da segurança cibernética para plataformas de pagamento digital seguras

A Evertec investiu US $ 22,3 milhões em infraestrutura de segurança cibernética em 2023. A empresa manteve um 99,97% Taxa de transação segura em suas plataformas digitais.

Métrica de segurança cibernética	Investimento	Desempenho
Infraestrutura de segurança cibernética	US $ 22,3 milhões	99,97% de segurança da transação

Soluções de tecnologia baseadas em nuvem para prestação de serviços financeiros

A Evertec migrou 87% de sua infraestrutura para plataformas em nuvem em 2023, com um investimento total em tecnologia em nuvem de US $ 16,7 milhões. A empresa alcançou um 99,99% de tempo de atividade em nuvem.

Métrica de tecnologia em nuvem	Investimento	Desempenho
Migração da infraestrutura em nuvem	US $ 16,7 milhões	87% de migração de infraestrutura
Tempo de atividade em nuvem	N / D	99.99%

Evertec, Inc. (EVTC) - Análise de pilão: fatores legais

Conformidade com regulamentos financeiros em várias jurisdições

A Evertec, Inc. opera sob várias estruturas regulatórias na América Latina e nos Estados Unidos. A partir de 2024, a empresa mantém a conformidade com os seguintes órgãos regulatórios seguintes:

Jurisdição	Órgão regulatório	Requisitos de conformidade
Estados Unidos	Sec	Conformidade completa de relatórios financeiros
Porto Rico	Escritório do Comissário de Instituições Financeiras	Regulamentos de processamento de pagamentos
Mercados latino -americanos	Reguladores financeiros locais	Conformidade de transação transfronteiriça

Leis de privacidade e proteção de dados que afetam o processamento de pagamentos

Métricas de conformidade com proteção de dados -chave:

Regulamento	Jurisdições	Custo de conformidade
GDPR	Área econômica européia	US $ 1,2 milhão anualmente
CCPA	Califórnia, EUA	US $ 850.000 anualmente
Lei de Proteção Geral de Dados Brasileira	Brasil	US $ 650.000 anualmente

Requisitos regulatórios de lavagem de dinheiro (LBC)

O Evertec implementa estratégias abrangentes de conformidade com LMA:

• Sistemas de monitoramento de transações que cobrem 98,7% dos volumes de pagamento
• Investimento anual de conformidade com AML: US $ 3,4 milhões
• Equipe de conformidade: 47 profissionais dedicados

Proteção de propriedade intelectual para inovações tecnológicas

Categoria IP	Número de patentes	Despesas anuais de proteção IP
Tecnologia de pagamento	23 patentes ativas	US $ 1,1 milhão
Inovações de software	16 patentes registradas	$750,000
Blockchain Technologies	7 patentes pendentes	$450,000

Evertec, Inc. (EVTC) - Análise de Pestle: Fatores Ambientais

Consumo de papel reduzido através de plataformas de transações digitais

Evertec relatou um 42,7% de redução no uso do papel através de plataformas de transações digitais em 2023. A empresa processou 387 milhões de transações digitais, eliminando aproximadamente 156 toneladas de resíduos de papel.

Ano	Transações digitais	Redução de papel	Impacto de carbono
2022	342 milhões	38.3%	132 toneladas métricas
2023	387 milhões	42.7%	156 toneladas métricas

Eficiência energética em operações de data center

Os data centers de Evertec alcançaram 76% Utilização de energia renovável em 2023, com um estimado US $ 2,4 milhões economizados em custos de energia. A eficácia do uso de energia (PUE) melhorou para 1,45, abaixo de 1,62 em 2022.

Métrica	2022	2023	Melhoria
Uso de energia renovável	68%	76%	Aumento de 8%
Eficácia do uso de energia (PUE)	1.62	1.45	10,5% de redução

Iniciativas de sustentabilidade corporativa em infraestrutura de tecnologia

Evertec investiu US $ 5,7 milhões em infraestrutura de tecnologia verde Durante 2023, concentrando-se em soluções de computação de baixo carbono e compra sustentável de hardware.

Iniciativa de Sustentabilidade	Investimento	Impacto ambiental
Hardware de computação verde	US $ 2,3 milhões	27% de melhoria de eficiência energética
Atualizações de data centers sustentáveis	US $ 3,4 milhões	Redução de emissões de carbono de 35%

Gerenciamento de resíduos eletrônicos no ciclo de vida de equipamentos de tecnologia

Evertec reciclado 97,6% do equipamento eletrônico Em 2023, o processamento de 42,3 toneladas de resíduos de tecnologia por meio de parceiros certificados de gerenciamento de lixo eletrônico.

Métrica de lixo eletrônico	2022	2023	Mudar
O lixo eletrônico total processado	38,9 toneladas métricas	42,3 toneladas métricas	8,7% de aumento
Taxa de reciclagem	95.3%	97.6%	2,3% de melhoria

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.