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Investor Presentation

Non-GAAP Reconciliation Annual Results Summary GAAP Net Income to Adjusted EBITDA Net Income Income tax expense Interest expense, net Depreciation and amortization EBITDA Equity income (¹) Compensation and benefits (3) Transaction, refinancing and non-recurring fees Adjusted EBITDA Operating depreciation and amortization (6) Cash interest expense, net Income tax expense Non-controlling interest (2) (8) Adjusted Net Income Net income per common share (GAAP): Diluted (5) Adjusted Earnings per common share (Non-GAAP): Diluted Shares used in computing adjusted earnings per common share: Diluted HA 2018 86.6 $ 12.6 29.3 63.1 191.6 $ (0.3) 13.7 7.6 212.6 $ (29.2) (26.1) (19.5) (0.5) 137.3 $ $1.16 $1.84 74,420,110 2019 103.7 $ 13.0 27.6 68.1 2124 $ (0.5) 13.8 0.5 226.2 $ (34.9) (27.0) (20.2) (0.4) 143.7 $ $1.41 $1.96 2020 104.9 $ 19.0 23.5 71.5 218.9 $ (1.1) 14.4 8.3 240.5 $ (39.1) (22.3) (27.2) (0.5) 151.4 $ $1.43 $2.07 73,475,763 73,051,205 2021 161.1 $ 20.6 20.9 75.1 277.7 $ (0.4) 15.1 2.4 294.8 $ (43.4) (19.8) (31.7) (0.2) 199.7 $ $2.21 $2.74 72,870,585 LTM 164.4 22.0 20.3 75.6 282.3 (0.5) 15.9 3.5 301.3 (43.8) (19.4) (32.6) 205.5 $2.26 $2.82 72,853,216 (1) Represents the elimination of non-cash equity earnings from Evertec's 19.99% equity investment in Consorcio de Tarjetas Dominicanas S.A., net of cash dividends received. Primarily represents share-based compensation and other compensation expense and severance payments. (2) (3) Represents fees and expenses associated with corporate transactions as defined in the Credit Agreement, recorded as part of selling, general and administrative expenses as well as an impairment charge in 2020 and Q1 2021 and a gain on sale of assets in Q2 2021. Impairment charge and contractual fee accrual for a third-party software solution that was determined to be commercially unviable. (4) (5) Represents operating depreciation and amortization expense, which excludes amounts generated as a result mergers & acquisitions activity. (6) Represents interest expense, less interest income, as they appear on our consolidated statements of income and comprehensive income, adjusted to exclude non-cash amortization of debt issue costs, premiums and accretion of discount. Represents income tax expense calculated on adjusted pre-tax income using the applicable GAAP tax rate, adjusted for certain discreet items. (7) (8) Represents the 35% non-controlling equity interest in Evertec Colombia, net of amortization for intangibles created as part of the purchase. evertec
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