









Markets
/
Stocks
/
nasdaq-evtc
/

Evertec Inc

EVTC

34.840USD

+0.140+0.40%

Market hours （ET）Quotes delayed by 15 min

2.23BMarket Cap

17.23P/E TTM



Evertec Inc

34.840

+0.140+0.40%

Overview Company Financials

Overview

Company

Financials

Statements

Income Statement

Balance Sheet

Cash Flow Statement

Quarterly

Quarterly+Annual

Quarterly

Annual

YOY

Hide blank rows

FY2025Q1

FY2024Q4

FY2024Q3

FY2024Q2

FY2024Q1

FY2023Q4

FY2023Q3

FY2023Q2

FY2023Q1

FY2022Q4

FY2022Q3

FY2022Q2

FY2022Q1

FY2021Q4

FY2021Q3

FY2021Q2

FY2021Q1

FY2020Q4

FY2020Q3

FY2020Q2

FY2020Q1

FY2019Q4

FY2019Q3

FY2019Q2

FY2019Q1

FY2018Q4

FY2018Q3

FY2018Q2

FY2018Q1

FY2017Q4

FY2017Q3

FY2017Q2

FY2017Q1

FY2016Q4

FY2016Q3

FY2016Q2

FY2016Q1

FY2015Q4

FY2015Q3

FY2015Q2

FY2015Q1

FY2014Q4

FY2014Q3

FY2014Q2

FY2014Q1

FY2013Q4

FY2013Q3

FY2013Q2

FY2013Q1

FY2012Q4

FY2012Q3

FY2012Q2

FY2012Q1

Total revenue

11.43%228.79M

11.19%216.40M

22.28%211.79M

26.88%211.98M

28.47%205.32M

20.29%194.62M

18.79%173.20M

4.05%167.08M

6.37%159.81M

4.22%161.79M

-0.05%145.80M

7.66%160.57M

7.68%150.25M

15.67%155.24M

6.87%145.88M

26.46%149.15M

14.42%139.53M

5.52%134.20M

14.90%136.51M

-3.76%117.94M

2.61%121.94M

7.57%127.19M

6.06%118.80M

8.12%122.55M

7.76%118.84M

18.67%118.23M

9.05%112.02M

9.50%113.35M

8.88%110.27M

-2.22%99.63M

8.74%102.72M

5.98%103.51M

6.08%101.28M

5.94%101.89M

1.64%94.47M

4.57%97.67M

4.35%95.48M

2.16%96.18M

4.57%92.94M

2.27%93.41M

4.65%91.50M

0.06%94.14M

1.68%88.88M

2.42%91.33M

0.11%87.43M

3.41%94.09M

4.26%87.41M

5.69%89.17M

5.88%87.34M

--90.98M

--83.84M

--84.37M

--82.49M

Revenue

11.43%228.79M

11.19%216.40M

22.28%211.79M

26.88%211.98M

28.47%205.32M

20.29%194.62M

18.79%173.20M

4.05%167.08M

6.37%159.81M

4.22%161.79M

-0.05%145.80M

7.66%160.57M

7.68%150.25M

15.67%155.24M

6.87%145.88M

26.46%149.15M

14.42%139.53M

5.52%134.20M

14.90%136.51M

-3.76%117.94M

2.61%121.94M

7.57%127.19M

6.06%118.80M

8.12%122.55M

7.76%118.84M

18.67%118.23M

9.05%112.02M

9.50%113.35M

8.88%110.27M

-2.22%99.63M

8.74%102.72M

5.98%103.51M

6.08%101.28M

5.94%101.89M

1.64%94.47M

4.57%97.67M

4.35%95.48M

2.16%96.18M

4.57%92.94M

2.27%93.41M

4.65%91.50M

0.06%94.14M

1.68%88.88M

2.42%91.33M

0.11%87.43M

3.41%94.09M

4.26%87.41M

5.69%89.17M

5.88%87.34M

--90.98M

--83.84M

--84.37M

--82.49M

Cost of revenue

4.52%143.08M

1.74%130.78M

31.94%136.16M

26.90%130.43M

42.82%136.89M

31.76%128.55M

7.52%103.20M

14.49%102.78M

14.35%95.85M

12.19%97.56M

17.43%95.98M

15.09%89.77M

8.26%83.82M

14.84%86.96M

7.58%81.74M

4.26%78.00M

7.74%77.43M

-1.04%75.73M

10.36%75.98M

7.20%74.82M

8.40%71.86M

14.85%76.52M

5.51%68.85M

7.61%69.80M

4.75%66.29M

-0.27%66.63M

-17.72%65.25M

10.06%64.86M

5.73%63.29M

4.80%66.81M

40.01%79.31M

3.55%58.93M

3.06%59.86M

10.21%63.75M

-7.26%56.64M

-0.18%56.91M

2.29%58.08M

-0.76%57.84M

10.41%61.08M

2.83%57.01M

4.21%56.78M

-1.54%58.29M

-2.20%55.31M

-7.75%55.44M

-6.19%54.48M

1.42%59.20M

-3.58%56.56M

4.23%60.10M

4.34%58.08M

--58.37M

--58.66M

--57.66M

--55.66M

Operating expenses

3.61%179.67M

5.74%172.81M

73.44%169.08M

34.75%168.73M

45.77%173.41M

39.32%163.43M

-13.92%97.49M

12.79%125.22M

17.08%118.97M

13.06%117.31M

14.55%113.25M

17.17%111.02M

8.64%101.61M

9.21%103.76M

6.69%98.87M

2.61%94.76M

4.88%93.53M

2.62%95.01M

10.31%92.66M

8.82%92.35M

9.51%89.18M

3.26%92.58M

5.46%84.00M

2.60%84.86M

6.14%81.43M

8.10%89.66M

-15.18%79.66M

12.50%82.71M

8.53%76.72M

8.40%82.94M

39.22%93.92M

5.81%73.52M

2.58%70.69M

12.44%76.51M

-5.61%67.46M

5.34%69.48M

6.87%68.91M

-7.97%68.04M

14.50%71.47M

0.08%65.96M

3.10%64.48M

9.48%73.93M

-4.78%62.42M

-8.77%65.90M

-6.57%62.54M

3.42%67.53M

-0.62%65.55M

9.22%72.24M

3.54%66.94M

--65.29M

--65.96M

--66.14M

--64.65M

Depreciation, depletion, and amortization

-17.47%28.47M

-10.51%26.80M

53.18%33.70M

47.79%33.00M

61.97%34.50M

48.33%29.94M

11.11%22.00M

14.16%22.33M

11.17%21.30M

6.24%20.19M

5.63%19.80M

4.47%19.56M

2.88%19.16M

6.74%19.00M

3.41%18.75M

4.96%18.72M

4.62%18.62M

0.56%17.80M

6.63%18.13M

3.72%17.84M

9.38%17.80M

12.03%17.70M

7.68%17.00M

9.36%17.20M

2.56%16.27M

-1.86%15.80M

-4.93%15.79M

-1.08%15.73M

1.06%15.87M

6.62%16.10M

10.71%16.61M

6.42%15.90M

6.80%15.70M

-0.70%15.10M

-11.42%15.00M

-6.65%14.94M

-12.65%14.70M

-8.01%15.21M

2.92%16.93M

-2.34%16.01M

1.29%16.83M

-4.40%16.53M

-6.82%16.45M

-8.14%16.39M

-5.47%16.61M

-3.93%17.29M

-69.55%17.66M

0.07%17.84M

-1.94%17.57M

--18.00M

--57.99M

--17.83M

--17.92M

Other operating expenses

----

--100.00K

----

Operating profit

53.97%49.13M

39.73%43.58M

-43.58%42.72M

3.32%43.25M

-21.89%31.91M

-29.88%31.19M

132.61%75.71M

-15.52%41.86M

-16.02%40.85M

-13.60%44.48M

-30.77%32.55M

-8.91%49.55M

5.74%48.64M

31.34%51.48M

7.24%47.02M

112.55%54.39M

40.40%46.00M

13.26%39.20M

25.98%43.84M

-32.10%25.59M

-12.41%32.76M

21.12%34.61M

7.54%34.80M

23.00%37.69M

11.47%37.41M

71.20%28.57M

267.40%32.36M

2.15%30.64M

9.69%33.55M

-34.24%16.69M

-67.39%8.81M

6.39%29.99M

15.15%30.59M

-9.79%25.38M

25.77%27.01M

2.71%28.19M

-1.67%26.57M

39.22%28.14M

-18.84%21.47M

7.94%27.45M

8.55%27.02M

-23.91%20.21M

21.02%26.46M

50.13%25.43M

22.01%24.89M

3.38%26.56M

22.27%21.86M

-7.11%16.94M

14.36%20.40M

--25.69M

--17.88M

--18.23M

--17.84M

Net non-operating interest income (expenses)

Non-operating interest income

-3.24%3.25M

-8.72%3.06M

91.90%3.70M

53.02%3.22M

196.56%3.36M

297.86%3.35M

138.66%1.93M

161.24%2.10M

69.87%1.13M

54.21%842.00K

60.12%807.00K

78.89%805.00K

71.47%667.00K

62.02%546.00K

17.48%504.00K

20.64%450.00K

7.16%389.00K

-4.53%337.00K

23.28%429.00K

45.14%373.00K

40.15%363.00K

35.25%353.00K

69.76%348.00K

56.71%257.00K

64.97%259.00K

67.31%261.00K

28.93%205.00K

-24.07%164.00K

-15.14%157.00K

40.54%156.00K

82.76%159.00K

134.78%216.00K

112.64%185.00K

-10.48%111.00K

-37.86%87.00K

-27.56%92.00K

-16.35%87.00K

49.40%124.00K

53.85%140.00K

60.76%127.00K

38.67%104.00K

-6.74%83.00K

68.52%91.00K

61.22%79.00K

70.45%75.00K

7.23%89.00K

42.11%54.00K

-36.36%49.00K

-63.93%44.00K

--83.00K

--38.00K

--77.00K

--122.00K

Non-operating interest expense

-14.80%16.99M

13.39%17.38M

227.62%18.70M

231.72%18.71M

253.34%19.94M

134.75%15.33M

-15.58%5.71M

-4.92%5.64M

1.73%5.64M

17.40%6.53M

18.98%6.76M

4.84%5.93M

-6.08%5.55M

-10.94%5.56M

-3.12%5.68M

-8.49%5.66M

-12.88%5.91M

-5.66%6.25M

-19.27%5.87M

-16.14%6.18M

-10.22%6.78M

-7.32%6.62M

-3.84%7.27M

-3.81%7.37M

-1.67%7.55M

-3.56%7.14M

-5.68%7.56M

3.50%7.67M

9.14%7.68M

17.11%7.41M

27.66%8.01M

20.66%7.41M

19.70%7.04M

8.08%6.33M

4.55%6.28M

-1.16%6.14M

-5.21%5.88M

-2.34%5.85M

-5.76%6.00M

-4.48%6.21M

-10.25%6.20M

-7.06%5.99M

-0.52%6.37M

-66.65%6.50M

-77.37%6.91M

-78.68%6.45M

-78.34%6.40M

-26.46%19.49M

36.58%30.53M

--30.23M

--29.57M

--26.51M

--22.35M

Gains from sale of securities

81.31%-833.00K

-116.61%-2.03M

60.37%-1.11M

621.92%2.40M

8.39%-4.46M

-19.31%-939.00K

63.93%-2.81M

--333.00K

---4.86M

---787.00K

---7.78M

----

-26.46%9.75M

36.58%15.26M

--15.12M

--14.78M

--13.25M

--11.18M

Return on equity

93.93%2.08M

-10.10%1.03M

-8.19%1.10M

-25.75%1.10M

-7.27%1.07M

35.38%1.15M

73.98%1.20M

71.23%1.48M

102.63%1.16M

108.87%848.00K

67.40%688.00K

118.78%862.00K

13.55%570.00K

0.74%406.00K

103.47%411.00K

104.15%394.00K

48.52%502.00K

91.90%403.00K

-45.55%202.00K

45.11%193.00K

52.25%338.00K

162.50%210.00K

55.88%371.00K

-24.00%133.00K

11.56%222.00K

-58.12%80.00K

53.55%238.00K

52.17%175.00K

39.16%199.00K

3083.33%191.00K

260.47%155.00K

296.55%115.00K

210.00%143.00K

112.24%6.00K

1533.33%43.00K

-65.48%29.00K

-213.04%-130.00K

-120.85%-49.00K

-101.24%-3.00K

-75.51%84.00K

-64.17%115.00K

109.82%235.00K

21.72%241.00K

-1.44%343.00K

15.88%321.00K

-75.70%112.00K

141.95%198.00K

-31.63%348.00K

319.70%277.00K

--461.00K

---472.00K

--509.00K

--66.00K

Special income (expenses)

-58.31%374.00K

202.07%4.38M

98.20%-1.18M

101.61%114.00K

218.34%897.00K

-19.68%-4.29M

-151.51%-65.37M

-144.23%-7.08M

70.79%-758.00K

-181.78%-3.59M

--126.91M

---2.90M

-332.50%-2.59M

---1.27M

----

---600.00K

----

--0.00

----

--0.00

----

--0.00

---58.46M

----

--0.00

----

- Gains from disposal of fixed assets

----

---100.00K

---400.00K

----

Other non-operating income (expenses)

-94.27%220.00K

509.59%9.78M

154.25%389.00K

41.73%2.25M

280.20%3.84M

-394.20%-2.39M

-59.09%153.00K

239.81%1.59M

-69.45%1.01M

-128.75%-483.00K

156.16%374.00K

-150.69%-1.14M

907.93%3.31M

-21.16%1.68M

-94.13%146.00K

1205.23%2.25M

203.70%328.00K

487.45%2.13M

886.51%2.49M

115.94%172.00K

-48.08%108.00K

-175.97%-550.00K

-77.70%252.00K

-1463.77%-1.08M

-74.54%208.00K

520.93%724.00K

488.54%1.13M

-105.06%-69.00K

-35.87%817.00K

85.70%-172.00K

-60.74%192.00K

58.49%1.36M

220.10%1.27M

-237.33%-1.20M

28.35%489.00K

12.57%860.00K

39.65%398.00K

253.23%876.00K

253.01%381.00K

98.44%764.00K

-85.69%285.00K

-81.46%248.00K

-155.58%-249.00K

102.02%385.00K

2871.64%1.99M

2.06%1.34M

-47.60%448.00K

-127.12%-19.07M

102.96%67.00K

--1.31M

--855.00K

---8.40M

---2.26M

Income before tax

123.20%37.23M

232.97%42.41M

427.83%26.91M

-2.92%33.62M

-49.27%16.68M

-63.38%12.74M

-96.53%5.10M

-16.02%34.64M

-27.00%32.88M

-26.43%34.78M

246.24%146.79M

-20.26%41.24M

11.73%45.04M

31.98%47.28M

3.16%42.39M

156.75%51.72M

50.46%40.31M

27.93%35.82M

44.16%41.09M

-32.00%20.14M

-12.28%26.79M

24.48%28.00M

8.07%28.51M

27.45%29.63M

12.92%30.54M

137.86%22.49M

1925.88%26.38M

-4.27%23.25M

7.52%27.05M

-47.37%9.46M

-93.90%1.30M

5.41%24.28M

19.56%25.16M

-22.66%17.97M

33.53%21.35M

3.71%23.04M

-1.29%21.04M

57.17%23.23M

-20.74%15.99M

12.55%22.21M

4.67%21.32M

-31.72%14.78M

24.83%20.17M

128.21%19.73M

268.77%20.37M

74.19%21.65M

359.25%16.16M

-2370.75%-69.95M

20.33%5.52M

--12.43M

--3.52M

---2.83M

--4.59M

Income tax

1316.44%4.14M

87.65%1.75M

135.14%1.71M

-83.28%1.10M

-89.64%292.00K

-84.67%931.00K

-153.69%-4.86M

-14.33%6.59M

-54.36%2.82M

-0.26%6.07M

26.83%9.05M

192.10%7.69M

31.16%6.17M

76.41%6.09M

9.53%7.13M

-41.77%2.63M

4.21%4.71M

16.71%3.45M

75.08%6.51M

81.60%4.52M

18.61%4.52M

31.60%2.96M

12.66%3.72M

-20.02%2.49M

-3.20%3.81M

-36.38%2.25M

168.22%3.30M

-23.50%3.11M

94.80%3.94M

80.66%3.53M

-395.30%-4.84M

45.23%4.07M

7.68%2.02M

120.82%1.96M

117.54%1.64M

5.90%2.80M

-32.40%1.88M

-354.00%-9.39M

-963.86%-9.35M

34.81%2.65M

28.41%2.77M

129.14%3.70M

-20.32%1.08M

139.15%1.96M

4137.25%2.16M

102.64%1.61M

9.25%1.36M

-528.07%-5.01M

-95.17%51.00K

---61.16M

--1.24M

---798.00K

--1.06M

Income after tax

101.93%33.09M

244.43%40.67M

153.13%25.20M

15.95%32.52M

-45.49%16.39M

-58.87%11.81M

-92.77%9.96M

-16.41%28.05M

-22.65%30.06M

-30.30%28.71M

290.64%137.74M

-31.65%33.56M

9.16%38.87M

27.24%41.19M

1.96%35.26M

214.18%49.09M

59.84%35.60M

29.26%32.37M

39.52%34.58M

-42.42%15.63M

-16.68%22.27M

23.69%25.04M

7.41%24.79M

34.79%27.14M

15.66%26.73M

241.72%20.25M

275.69%23.07M

-0.40%20.13M

-0.10%23.11M

-63.00%5.92M

-68.84%6.14M

-0.10%20.21M

20.72%23.14M

-50.91%16.01M

-22.20%19.71M

3.41%20.23M

3.36%19.17M

194.24%32.62M

32.71%25.34M

10.09%19.57M

1.86%18.54M

-44.67%11.09M

28.97%19.09M

127.37%17.77M

232.71%18.21M

-72.77%20.04M

550.40%14.80M

-3094.05%-64.94M

54.84%5.47M

--73.59M

--2.28M

---2.03M

--3.53M

Net income from continuous operations

101.93%33.09M

244.43%40.67M

153.13%25.20M

15.95%32.52M

-45.49%16.39M

-58.87%11.81M

-92.77%9.96M

-16.41%28.05M

-22.65%30.06M

-30.30%28.71M

290.64%137.74M

-31.65%33.56M

9.16%38.87M

27.24%41.19M

1.96%35.26M

214.18%49.09M

59.84%35.60M

29.26%32.37M

39.52%34.58M

-42.42%15.63M

-16.68%22.27M

23.69%25.04M

7.41%24.79M

34.79%27.14M

15.66%26.73M

241.72%20.25M

275.69%23.07M

-0.40%20.13M

-0.10%23.11M

-63.00%5.92M

-68.84%6.14M

-0.10%20.21M

20.72%23.14M

-50.91%16.01M

-22.20%19.71M

3.41%20.23M

3.36%19.17M

194.24%32.62M

32.71%25.34M

10.09%19.57M

1.86%18.54M

-44.67%11.09M

28.97%19.09M

127.37%17.77M

232.71%18.21M

-72.77%20.04M

550.40%14.80M

-3094.05%-64.94M

54.84%5.47M

--73.59M

--2.28M

---2.03M

--3.53M

Net Income attributable to non-controlling interests

-4.90%388.00K

84.45%605.00K

755.00%524.00K

692.38%622.00K

3609.09%408.00K

--328.00K

-6.67%-80.00K

-218.18%-105.00K

134.38%11.00K

-100.00%0.00

-38.89%-75.00K

68.87%-33.00K

-131.68%-32.00K

-21.74%72.00K

-145.76%-54.00K

-175.18%-106.00K

57.81%101.00K

206.67%92.00K

268.75%118.00K

78.48%141.00K

-28.89%64.00K

-37.50%30.00K

-58.97%32.00K

-2.47%79.00K

-2.17%90.00K

-47.25%48.00K

95.00%78.00K

-35.20%81.00K

-15.60%92.00K

121.95%91.00K

29.03%40.00K

12600.00%125.00K

473.68%109.00K

--41.00K

--31.00K

---1.00K

--19.00K

----

--0.00

----

Net income attributable to controlling interests

104.66%32.70M

249.00%40.06M

145.89%24.68M

13.30%31.90M

-46.83%15.98M

-60.01%11.48M

-92.72%10.04M

-16.18%28.16M

-22.74%30.05M

-30.18%28.71M

290.25%137.81M

-31.73%33.59M

9.56%38.90M

27.38%41.12M

2.47%35.31M

217.73%49.20M

59.89%35.50M

29.05%32.28M

39.23%34.46M

-42.77%15.48M

-16.66%22.20M

23.84%25.01M

7.64%24.75M

34.94%27.06M

15.80%26.64M

246.37%20.20M

277.09%23.00M

-0.17%20.05M

-0.02%23.01M

-63.48%5.83M

-69.01%6.10M

-0.72%20.09M

20.26%23.01M

-51.05%15.97M

-22.33%19.68M

3.41%20.23M

3.19%19.14M

194.21%32.62M

32.70%25.33M

10.08%19.56M

1.86%18.54M

-44.67%11.09M

28.97%19.09M

127.37%17.77M

232.71%18.21M

-72.77%20.04M

550.40%14.80M

-3094.05%-64.94M

54.84%5.47M

--73.59M

--2.28M

---2.03M

--3.53M

Net income attributable to common shareholders

104.66%32.70M

249.00%40.06M

145.89%24.68M

13.30%31.90M

-46.83%15.98M

-60.01%11.48M

-92.72%10.04M

-16.18%28.16M

-22.74%30.05M

-30.18%28.71M

290.25%137.81M

-31.73%33.59M

9.56%38.90M

27.38%41.12M

2.47%35.31M

217.73%49.20M

59.89%35.50M

29.05%32.28M

39.23%34.46M

-42.77%15.48M

-16.66%22.20M

23.84%25.01M

7.64%24.75M

34.94%27.06M

15.80%26.64M

246.37%20.20M

277.09%23.00M

-0.17%20.05M

-0.02%23.01M

-63.48%5.83M

-69.01%6.10M

-0.72%20.09M

20.26%23.01M

-51.05%15.97M

-22.33%19.68M

3.41%20.23M

3.19%19.14M

194.21%32.62M

32.70%25.33M

10.08%19.56M

1.86%18.54M

-44.67%11.09M

28.97%19.09M

127.37%17.77M

232.71%18.21M

-72.77%20.04M

550.40%14.80M

-3094.05%-64.94M

54.84%5.47M

--73.59M

--2.28M

---2.03M

--3.53M

Basic earnings per share

109.30%0.51

257.02%0.63

148.60%0.39

14.40%0.50

-47.00%0.25

-60.00%0.18

-92.52%0.16

-7.89%0.43

-14.42%0.46

-22.79%0.44

323.00%2.08

-31.10%0.47

9.84%0.54

27.50%0.57

2.35%0.49

216.57%0.68

59.58%0.49

28.90%0.45

39.34%0.48

-42.56%0.22

-16.24%0.31

25.05%0.35

8.80%0.34

35.89%0.38

15.85%0.37

245.10%0.28

275.37%0.32

-0.35%0.28

0.29%0.32

-63.17%0.08

-68.37%0.08

2.29%0.28

24.09%0.32

-49.15%0.22

-18.87%0.27

7.22%0.27

7.13%0.26

202.14%0.43

35.29%0.33

11.43%0.25

2.60%0.24

-41.76%0.14

34.28%0.24

127.55%0.23

208.77%0.23

-74.54%0.24

477.97%0.18

-2841.37%-0.82

54.64%0.08

--0.96

--0.03

---0.03

--0.05

Diluted earnings per share

107.57%0.50

258.67%0.62

149.92%0.38

13.93%0.49

-47.41%0.24

-60.41%0.17

-92.58%0.15

-7.68%0.43

-14.21%0.46

-22.13%0.44

324.19%2.06

-31.08%0.47

9.71%0.53

27.63%0.56

2.65%0.48

217.47%0.68

60.64%0.49

29.29%0.44

39.83%0.47

-42.36%0.21

-16.12%0.30

27.22%0.34

9.61%0.34

36.94%0.37

15.18%0.36

232.94%0.27

269.18%0.31

-1.93%0.27

-0.32%0.31

-62.85%0.08

-68.50%0.08

1.92%0.27

23.32%0.31

-49.49%0.22

-19.19%0.26

7.10%0.27

7.11%0.26

201.92%0.43

36.00%0.33

12.21%0.25

3.65%0.24

-41.83%0.14

34.90%0.24

127.28%0.22

222.80%0.23

-74.54%0.24

528.39%0.18

-2841.37%-0.82

53.70%0.07

--0.96

--0.03

---0.03

--0.05

Dividend per share

0.00%0.05

--0.05

--0.00

-100.00%0.00

--0.00

-100.00%0.00

0.00%0.10

-100.00%0.00

0.00%0.10

--0.10

--0.00

Currency unit

USD

Audit opinions

KeyAI

