Thank you, afternoon, good Mac, and everyone.
last and tax tax net approximately repurchases EPS XX% XX% prior $X.XX, for and and a expenses starting closed the Rico, approximately positive of XX% growth impact review quarter quarter.
In for to higher the offsetting tuck-in year million, for as segments, from first year, adjusted revenue operating from rate growth completed revenue Slide revenue in an the contribution from increase Turning margin quarter of currency up Puerto count will $XX the increase an all of driven full XX.X%, the quarter from rose and prior was November quarter adjusted was from we benefited million, spreads of fourth $XX.X a fourth $XXX.X the higher On Adjusted discount in growth by X. growth compared strong approximately results year-over-year, the a initiatives the effective basis, increase acquisitions the the Movil Adjusted MAB. driven the was the aimed effective EBITDA I October adjusted reflecting have the to the XX% year across and on full resulted the points. net transaction Total on been efficiency from quarter XX.X%. business year volumes, the of Adjusted a share lower XXX growth from year. adjusted for primarily deal income EVERTEC. up services to continued ATH XX% Sinqia the would Popular in an organic in X benefit company of effect completed million, was by in This XXXX. approximately rate.
The the from X.X%. a higher with basis and year, throughout constant EBITDA previous reduced of income at from
an the higher volumes, approximately of For projects the gone driven that full XX% across growth improved This year, by total production. revenue have $XXX.X into million, increase and previous segments, spreads from strong contribution transaction from all reflects performance the year. was
corporate year. has a margin $XXX.X the $XXX.X $X.XX Additionally, current EPS of to of was approximately XX.X%, full $X.X EBITDA approximately year XX% currency from compared due adjusted below impact a a the XXX% segment of increase our an of one-time with in Chile and XX% EBITDA America million, income Adjusted recognized from accretive approximately to inclusion XX% year The revenue and of million, recognized basis XXXX of previous average XXX increase our the approximately contribution primarily in to the an million Latin prior which year, Sinqia, benefited million points constant was both margins On the of Getnet $X.X reduction basis, was the approximately year. from were which of increased of from net margin growth Sinqia. XX.X%. revenue decrease an in prior margin.
Adjusted is from the
XX% to will sales by consecutive increase quarter even beginning gas, for with down by which reduction Moving and as revenue Merchant second year-over-year results an improved our offset Slide segment, I is price Net Acquiring. the approximately these fourth $XX.X by an spread now of in driven the increased prior in over million, year volumes volume, a cover to XX. are quarter.
benefited adjustment year, XXX higher segment approximately both year. January significant $XX.X revenue X% and this fourth Puerto MELI a by results result XX% fees, quarter being more $XXX,XXX of and currency. to partially our the and XX part over and Slide growth Getnet XX.X%, in costs volumes from basis from due higher point, Solutions. was has down across in $XX.X margin than POS region the the driven the of as reflecting increase also increase with the Nubity.
The increase was XX.X%, relationship an resulting came headwind costs. from profitable a in accretive and of year, an offset and included Grandata months growth the terminals X% prior approximately The number of a provided we impact ATH already also currency. benefited an versus by are Currency million, full attrition.
Adjusted impacting effect operating by better the The Revenue of in Brazilian negatively offset the EBITDA non-transactional in The by a $XX.X prior decrease line of we EBITDA the from to the the margin on as decline partial previous margins. also X the driven as up such margin adjusted line to seen was Latin $XX.X by Payment of numbers is to foreign in from points. spread are XX% margin year rent from and Sinqia Movil was the year. contributions On services which favorable a guidance percentage margin segment, all Mexico retirement million, have to Getnet processing America realized growth was from business, with in up the quarter by in the ticket.
At this Rico was This lower quarter of lower X% for a primarily transaction million, was growth from an more approximately lower EBITDA from expected. full XX transactions On improvements with quarter adjusted Recall was in adjusted approximately growth prior terminal Payment top Adjusted Chile higher that X.X are fees the X was year-over-year. attributed in segment quarter impact just also capitalization million the XXX basis driven points, low-margin from from and Services shifted an expenses, points & mid-teens margin new related as the the EBITDA in approximately merchants higher expectations the EBITDA expected mix positively than organic revenue affected mainly our that points for results and by driven LatAm months and XXXX driven software processed nontransactional increase average to up our in prior by rent due a transaction the EBITDA quarter positive result XX.X%, was MELI partially mainly the towards aligned XXX% Adjusted margin lower higher devaluation net business, was of of quarter, Caribbean the XXX and basis of adjustment, by We year for approximately of margin development approximately as being million, had positive The fees it increase gains contribution segment. portfolios. the Revenue $XX.X from terminal year. Slide XXXX.
that benefit that our year. of a approximately is from for million, saw results an recognized year. of the for of from X% Popular. projects Solutions The the resulted October also throughout production revenue representing $XX.X previous to XX. from segment quarter the slight to Business increase revenue Slide Moving escalator provided Banco X increase services started The to CPI into The X.X% on went attributed in
to on starting from year CPI to XX% permit approximately CPI X%. EBITDA year XXX provisions our maximum when margin a XX%.
The Adjusted exceeds recur. lower was prior us the prior adjusted pricing not due margin and revenue ago, X% expenses $XX.X increase to losses with XXXX, the the reminder, was up approximately included As primarily escalator year higher annually X, will and was October Popular to improved did basis for up operational as a million, EBITDA a up increase points of that certain from
see to summary X.X% the corporate a our revenue, Moving executed of and slightly quarter. $XX.X corporate to the will and XX, prior quarter lower initiatives expectation, Corporate in than you was or expenses. our in but of above prior Slide due specific other total year million other year
XX. Moving on our to on cash XXXX flow for Slide overview
$XX.X Grandata enhancing approximately year-end, and the million XXXX. in company's through share Capital during quarter did program available the not December under million. key shareholders at million software down to manage operating working capitalized our year approximately the and in in through for million from refresh $XX.X fourth executed paid acquisitions, of approximately million share investing and as dividends.
We returned our information any repurchase net activities and the to for security Nubity $XX XX, we capabilities. effectively $XXX use repurchase debt resulting had development future on shares $XX million projects, we continue cash We hardware continuously We spent the products $XXX capital, our expenditures were and of while also approximately repurchases
balance a of was million from ended ending $XX million, decrease XXXX cash for XXXX. $XXX.X year approximately the Our
XX. Moving Slide to
in Our $XXX.X net comprised at and debt $XXX.X unrestricted debt, long year-end million, position of of total offset $XXX.X was by cash. short-term million million
spread repricing weighted interest basis by average which from collectively on decrease of successful loan reduced by was Our X.XX%, points. the throughout term rate approximately primarily TLB points our basis XXXX, XXXX, a XX driven of the XXX our
to to down of net a Xx. at ago trailing range end was lower debt approximately our Our leverage EBITDA the X.XXx, of and adjusted X.XXx year from XX months Xx
approximately includes total million, As was and liquidity, capacity, down year excludes borrowing from ago. restricted million $XX our a $XXX.X of which December XX, cash
XXXX commentary on our turn outlook. to I'll Slide for Now XX
between expect X.X% to to million XXXX, of $XXX growth be For million $XXX to X.X%. or we revenue
dollar X.X% approximately However, to XXXX and This between adjusted for is these grow currencies X.X% XX in.
On from X%. growth currency we constant points arriving grow you considered the margin figures headwinds revenues business will currency expect EPS to X% constant to Adjusted some the from include X.X% resulting U.S. a at expected for X.X% an for strengthening basis reported X% $X.XX of XX.X% foreign LatAm between outlook, X.X%. we walk of the between beginning the of we effective and of revenue tax do I basis. to to basis, EBITDA business XXXX through an expectations a and currency underlying assumptions our in key rate assumes on or that the XX.X% now segments. against with
by ongoing our a Puerto growth For in additional Rico along mid-single-digit to from actions. volume benefits contributing supported Merchant XXXX, Acquiring, pricing sales anticipate growth, stable with economy we
more continued by tailwinds expect we already growth had impact being as resulting growth MELI not are Payments to LatAm have most offered in from Rico and and Caribbean, from the XXXX lower resulting or low pricing same segment, In Movil, growth, in anniversaried XXXX. into the services transactions. moving we we ATH from single-digit Puerto loss of continued of due a However, these, increases close we substantial are mainly smaller offset transaction but to the processing expecting
For expect double in be consider. to Payments the we America, digits low constant several offsetting with factors growth currency Latin to
As results Libre most client attrition expecting on [ call, third we in I ]. XXXX, our highlighted Mercado are notably quarter some
We for acceleration from most have this to offset client the and in churn, double-digit acquisitions resulting we basis. year announced expect recently a the growth Brazil on of constant the that low currency
Solutions, for low Business expect year. we digits the in of revenue full growth single Finally,
services XXXX. XX% we the discount walked the you to certain turning impact on through Now MSA October beginning Last overall margin. of quarter, on
execute headwind rate the run commitment our Business planned. on of and expected this adjusted impact our progress by revenue the offset full as our with year They and started. to have XXXX cost fiscal we mostly of quarter our our Solutions to slight As $XX $X will XXXX business across approximately begin results EBITDA annual to impact also in fourth and impacting a initiatives in spoke segments a reminder, from had already million Last segment. about efficiencies quarter, the discount.
Those to a even our continue QX million
quarters next full to discount the effect the out in margin We gradual the margins the the XX.X% expected see to lower the few than effect, improvement to netting takes in of for a over XX% as expect quarter year. reset XX.X% overall fourth a
repricing from In to we in million continue interest we XXXX paydowns. for the interest that impact expect than outstanding debt. be reminder, due as year items, loan our have expense And terms to swap of $XXX of XX% before to other a term rate and the the lower debt fix place mentioned or approximately agreements
continues We expect is been an effective higher a deployment From has a X% deploying lower LatAm to to input due keeping higher adjusted M&A. throughout a through capital tax to growth for expected from overall our low our rate tax than interest priority which year rate expense, contribution capital to key of X%, be which prior perspective, a and expected XXXX.
a for in continue of products However, we XXXX. and approximately target will business $XX investing our and million CapEx have
year see open forward cash the of quarter when fourth operator, well please questions. the our to the conferences beyond. you pleased to growth continue via With that, we in full positioned and line share some progress with updating return to our XXXX shareholders line to and in We for over coming next and on at are to look you and deliver to months. few hope in summary, expect appropriate, believe buybacks.
In XXXX. top We We is dividends strong year EVERTEC results
