EVTC Stock Analysis: Evertec | NYSE
Software - Infrastructure | NYSE, USA | Market Cap: 1.865m USD | 12M Return: -7.4% | Charts, Fundamentals & Technical Analysis
Avg Turnover: 12.9M
EPS Trend: 95.1%
Qual. Beats: 0
Rev. Trend: 97.9%
Qual. Beats: 0
Warnings
Tailwinds
No distinct edge detected
Seasonality 10.5 years of data
How good or bad each month usually is (without trend). The score below shows how much you can trust it: 0 = pure chance, >40 gets interesting and >55 is strong.
EVERTEC, Inc. provides transaction processing and financial technology services across Latin America, Puerto Rico, and the Caribbean, organized into four segments: Payment Services – Puerto Rico & Caribbean; Latin America Payments and Solutions; Merchant Acquiring; and Business Solutions. Its offerings cover merchant acquiring for point-of-sale and e-commerce, card issuing and processing (credit, debit, prepaid, ATM, and EBT), fraud monitoring, and business process management including core bank processing, network hosting, managed security, IT outsourcing, item processing, and cash handling. The company also owns and operates the ATH network, a PIN-based debit network primarily used in Puerto Rico.
EVERTEC distributes its services mainly through a direct sales force to financial institutions, merchants, corporations, and government agencies, processing approximately ten billion transactions annually across its electronic payment networks. The business model is fee-based and tied to transaction volumes, with deep technical integration into client core banking systems that tends to produce high switching costs and recurring revenue. Founded in 1988, the company is headquartered in San Juan, Puerto Rico, and is listed on the NYSE under ticker EVTC within the Transaction & Payment Processing Services sub-industry of the Financials sector.
- Puerto Rico ATH network dominance drives core payment volume
- Latin America payments segment expansion accelerates following Mexico acquisition
- Interest rate cuts pressure float-based cash management revenue margins
| Net Income: 132.6m TTM > 0 and > 6% of Revenue |
| FCF/TA: 0.06 > 0.02 and ΔFCF/TA -3.72 > 1.0 |
| NWC/Revenue: 31.14% < 20% (prev 31.71%; Δ -0.57% < -1%) |
| CFO/TA 0.10 > 3% & CFO 220.6m > Net Income 132.6m |
| Net Debt (882.2m) to EBITDA (348.9m): 2.53 < 3 |
| Current Ratio: 1.97 > 1.5 & < 3 |
| Outstanding Shares: last quarter (62.6m) vs 12m ago -3.48% < -2% |
| Gross Margin: 46.37% > 18% (prev 51.83%; Δ -5.46% > 0.5%) |
| Asset Turnover: 45.14% > 50% (prev 45.32%; Δ -0.18% > 0%) |
| Interest Coverage Ratio: 3.13 > 6 (EBIT TTM 214.8m / Interest Expense TTM 68.6m) |
| A: 0.13 (Total Current Assets 602.3m - Total Current Liabilities 306.2m) / Total Assets 2.30b |
| B: 0.30 (Retained Earnings 682.1m / Total Assets 2.30b) |
| C: 0.10 (EBIT TTM 214.8m / Avg Total Assets 2.11b) |
| D: 0.44 (Book Value of Equity 668.3m / Total Liabilities 1.53b) |
| Altman-Z'' = 2.96 = A |
| DSRI: 1.01 (Receivables 176.4m/159.2m, Revenue 950.9m/869.0m) |
| GMI: 1.12 (GM 51.83% / 46.37%) |
| AQI: 1.03 (AQ_t 0.69 / AQ_t-1 0.67) |
| SGI: 1.09 (Revenue 950.9m / 869.0m) |
| TATA: -0.04 (NI 132.6m - CFO 220.6m) / TA 2.30b) |
| Beneish M = -2.83 (Cap -4..+1) = A |
As of July 28, 2026, the stock is trading at USD 30.48 with a total of 289,518 shares traded. Over the past week, the price has changed by -0.65%, over one month by +10.47%, over three months by +2.02% and over the past year by -7.35%.
Current recommended Stop Loss: 27.80 (which is 8.8% or 2.5 ATR below the current price).
Evertec has received a consensus analysts rating of 3.80. Therefore, it is recommended to hold EVTC.
- StrongBuy: 1
- Buy: 2
- Hold: 2
- Sell: 0
- StrongSell: 0
| Analysts Target Price | 32 | 5% |
P/E Trailing = 14.5529
P/E Forward = 14.881
P/S = 1.9615
P/B = 2.791
P/EG = 2.14
Revenue TTM = 950.9m USD
EBIT TTM = 214.8m USD
EBITDA TTM = 348.9m USD
Long Term Debt = 1.05b USD (from longTermDebt, last quarter)
Short Term Debt = 57.6m USD (from shortTermDebt, last quarter)
Debt = 1.17b USD (from shortLongTermDebtTotal, last quarter) + Leases 38.1m
Net Debt = 882.2m USD (calculated: Debt 1.17b - CCE 290.9m)
Enterprise Value = 2.75b USD (1.87b + Debt 1.17b - CCE 290.9m)
Interest Coverage Ratio = 3.13 (Ebit TTM 214.8m / Interest Expense TTM 68.6m)
EV/FCF = 18.48x (Enterprise Value 2.75b / FCF TTM 148.7m)
FCF Yield = 5.41% (FCF TTM 148.7m / Enterprise Value 2.75b)
FCF Margin = 15.63% (FCF TTM 148.7m / Revenue TTM 950.9m)
Net Margin = 13.95% (Net Income TTM 132.6m / Revenue TTM 950.9m)
Gross Margin = 46.37% ((Revenue TTM 950.9m - Cost of Revenue TTM 510.0m) / Revenue TTM)
Gross Margin QoQ = 37.28% (prev 51.10%)
Tobins Q-Ratio = 1.20 (Enterprise Value 2.75b / Total Assets 2.30b)
Interest Expense / Debt = 5.85% (Interest Expense 68.6m / Debt 1.17b)
Taxrate = 6.78% (9.91m / 146.1m)
NOPAT = 200.2m (EBIT 214.8m * (1 - 6.78%))
Current Ratio = 1.97 (Total Current Assets 602.3m / Total Current Liabilities 306.2m)
Debt / Equity = 1.76 (Debt 1.17b / totalStockholderEquity, last quarter 668.3m)
Debt / EBITDA = 2.53 (Net Debt 882.2m / EBITDA 348.9m)
Debt / FCF = 5.93 (Net Debt 882.2m / FCF TTM 148.7m)
Total Stockholder Equity = 641.5m (last 4 quarters mean from totalStockholderEquity)
RoA = 6.30% (Net Income 132.6m / Total Assets 2.30b)
RoE = 20.68% (Net Income TTM 132.6m / Total Stockholder Equity 641.5m)
RoCE = 12.73% (EBIT 214.8m / Capital Employed (Equity 641.5m + L.T.Debt 1.05b))
RoIC = 10.01% (NOPAT 200.2m / Invested Capital 2.00b)
WACC = 6.87% (E(1.87b)/V(3.04b) * Re(7.76%) + D(1.17b)/V(3.04b) * Rd(5.85%) * (1-Tc(0.07)))
Discount Rate = 7.76% (= CAPM, Blume Beta Adj.)
Shares (quarterly) Correlation: -88.24 | Cagr: -2.52%
[DCF] Terminal Value 73.10% ; FCFF base≈167.4m ; Y1≈146.8m ; Y5≈118.6m
[DCF] Fair Price = 16.58 (EV 1.90b - Net Debt 882.2m = Equity 1.02b / Shares 61.6m; r=8.35% [WACC [floored]]; 5y FCF grow -15.0% → 2.50% )
EPS Correlation: 95.05 | EPS CAGR: 13.51% | SUE: -0.36 | # QB: 0
Revenue Correlation: 97.92 | Revenue CAGR: 15.98% | SUE: -0.27 | # QB: 0
EPS current Quarter (2026-06-30): EPS=0.95 | Chg30d=+0.00% | Revisions=+0% | Analysts=6
EPS next Quarter (2026-09-30): EPS=0.98 | Chg30d=+0.00% | Revisions=+17% | Analysts=6
EPS current Year (2026-12-31): EPS=3.92 | Chg30d=+0.00% | Revisions=+38% | GrowthEPS=+8.2% | GrowthRev=+15.7%
EPS next Year (2027-12-31): EPS=4.34 | Chg30d=+0.00% | Revisions=+67% | GrowthEPS=+10.9% | GrowthRev=+8.5%
[Analyst] Revisions Ratio: +53% (up=13, down=3)