Overview Dividends

(EVTC) Evertec - Ratings and Ratios

Exchange: NYSE • Country: United States • Currency: USD • Type: Common Stock • ISIN: PR30040P1032

Payment Processing, Merchant Acquiring, Card Services, Business

Transaction & Payment Processing Services
Market Cap in USD: 1,858m

IPO / Inception: 2013-04-12
Return 12m vs S&P 500: -27.0%

EPS (Earnings per Share)

EPS CAGR: 6.75%
EPS Trend: 52.1%

Last SUE: 0.23
Qual. Beats: 0

Revenue

Rev. CAGR: 10.87%
Rev. Trend: 95.7%

Last SUE: 0.65
Qual. Beats: 0

Dividends

Dividend Yield	0.68%
Yield on Cost 5y	0.52%
Yield CAGR 5y	0.00%
Payout Consistency	90.3%
Payout Ratio	6.1%

Risk via 5d forecast
Volatility	27.3%
Value at Risk 5%th	43.5%
Relative Tail Risk	-3.00%

Reward TTM
Sharpe Ratio	-0.42
Alpha	-25.05
CAGR/Max DD	-0.07

Character TTM
Hurst Exponent	0.522
Beta	0.710
Beta Downside	0.647

Drawdowns 3y
Max DD	35.21%
Mean DD	13.87%
Median DD	13.63%

Description: EVTC Evertec November 10, 2025

Evertec Inc. (NYSE:EVTC) is a Puerto-based fintech firm that processes roughly ten billion electronic transactions each year across Latin America, Puerto Rico, and the Caribbean. It operates through four segments-Payment Services (Puerto Rico & Caribbean), Latin America Payments & Solutions, Merchant Acquiring, and Business Solutions-offering everything from point-of-sale and e-commerce card acceptance to core-bank processing, managed security, and the proprietary ATH PIN-debit network.

Key performance indicators from the most recent fiscal year (2023) show revenue of approximately $1.2 billion, a net profit margin near 12 %, and year-over-year transaction volume growth of about 8 % despite a volatile macro environment. The LATAM digital-payments market is expanding at an estimated 15 % CAGR through 2027, driven by rising smartphone penetration and government initiatives to shift cash-based economies toward electronic channels-factors that directly benefit Evertec’s merchant-acquiring and processing services. A material risk remains the concentration of revenue in a few Caribbean jurisdictions, which could amplify exposure to local economic downturns or regulatory changes.

For a deeper, data-rich look at Evertec’s valuation dynamics, you might explore the analyst dashboards on ValueRay to see how its growth assumptions stack up against sector benchmarks.

Piotroski VR‑10 (Strict, 0-10) 6.0

Net Income (146.1m TTM) > 0 and > 6% of Revenue (6% = 54.2m TTM)

FCFTA 0.07 (>2.0%) and ΔFCFTA -0.69pp (YES ≥ +1.0pp, WARN ≥ +0.5pp)

NWC/Revenue 54.05% (prev 31.95%; Δ 22.09pp) (YES ≤20% & Δ≤-1pp; WARN ≤25% & Δ≤0 oder ≤40% & Δ≤-3pp)

CFO/TA 0.11 (>3.0%) and CFO 232.2m > Net Income 146.1m (YES >=105%, WARN >=100%)

Net Debt (591.7m) to EBITDA (342.0m) ratio: 1.73 <= 3.0 (WARN <= 3.5)

Current Ratio 2.91 (target 1.5–3.0; WARN 1.2–<1.5 or >3.0–5.0; CFO/TA gate active)

Outstanding Shares last Quarter (64.9m) change vs 12m ago 0.23% (target <= -2.0% for YES)

Gross Margin 46.66% (prev 43.13%; Δ 3.53pp) >=18% & Δ>=+0.5pp (WARN >=15% & Δ>=0)

Asset Turnover 44.68% (prev 43.47%; Δ 1.21pp) >=50% & Δ>=+2pp (WARN >=35% & Δ>=0)

Interest Coverage Ratio 3.35 (EBITDA TTM 342.0m / Interest Expense TTM 67.6m) >= 6 (WARN >= 3)

Altman Z'' 3.77

(A) 0.23 = (Total Current Assets 744.4m - Total Current Liabilities 256.2m) / Total Assets 2.15b

(B) 0.32 = Retained Earnings (Balance) 696.1m / Total Assets 2.15b

(D) 0.45 = Book Value of Equity 648.3m / Total Liabilities 1.44b

Total Rating: 3.77 = (6.56 * A) + (3.26 * B) + (6.72 * C) + (1.05 * D)

ValueRay F-Score (Strict, 0-100) 82.47

1. Piotroski 6.0pt

2. FCF Yield 5.95%

3. FCF Margin 16.12%

4. Debt/Equity 1.64

5. Debt/Ebitda 1.73

6. ROIC - WACC (= 8.60)%

7. RoE 25.51%

8. Rev. Trend 95.75%

9. EPS Trend 52.08%

What is the price of EVTC shares?

As of December 28, 2025, the stock is trading at USD 29.56 with a total of 259,951 shares traded.
Over the past week, the price has changed by +1.79%, over one month by +1.30%, over three months by -13.19% and over the past year by -15.16%.

Is EVTC a buy, sell or hold?

Evertec has received a consensus analysts rating of 3.80. Therefor, it is recommend to hold EVTC.

Strong Buy: 1
Buy: 2
Hold: 2
Sell: 0
Strong Sell: 0

What are the forecasts/targets for the EVTC price?

Issuer	Target	Up/Down from current
Wallstreet Target Price	32.8	11%
Analysts Target Price	32.8	11%
ValueRay Target Price	29	-1.8%

EVTC Fundamental Data Overview December 28, 2025

Market Cap USD = 1.86b (1.86b USD * 1.0 USD.USD)
P/E Trailing = 12.8496
P/S = 2.0568
P/B = 2.8138
P/EG = 2.14
Beta = 0.888
Revenue TTM = 903.4m USD
EBIT TTM = 226.4m USD
EBITDA TTM = 342.0m USD
Long Term Debt = 1.06b USD (from longTermDebt, last quarter)
Short Term Debt = 27.7m USD (from shortTermDebt, last quarter)
Debt = 1.09b USD (from shortLongTermDebtTotal, last quarter)
Net Debt = 591.7m USD (from netDebt column, last quarter)
Enterprise Value = 2.45b USD (1.86b + Debt 1.09b - CCE 499.7m)
Interest Coverage Ratio = 3.35 (Ebit TTM 226.4m / Interest Expense TTM 67.6m)
FCF Yield = 5.95% (FCF TTM 145.6m / Enterprise Value 2.45b)
FCF Margin = 16.12% (FCF TTM 145.6m / Revenue TTM 903.4m)
Net Margin = 16.17% (Net Income TTM 146.1m / Revenue TTM 903.4m)
Gross Margin = 46.66% ((Revenue TTM 903.4m - Cost of Revenue TTM 481.8m) / Revenue TTM)
Gross Margin QoQ = 32.99% (prev 52.07%)
Tobins Q-Ratio = 1.14 (Enterprise Value 2.45b / Total Assets 2.15b)
Interest Expense / Debt = 1.51% (Interest Expense 16.5m / Debt 1.09b)
Taxrate = -0.09% (negative due to tax credits) (-31.0k / 33.4m)
NOPAT = 226.6m (EBIT 226.4m * (1 - -0.09%)) [negative tax rate / tax credits]
Current Ratio = 2.91 (Total Current Assets 744.4m / Total Current Liabilities 256.2m)
Debt / Equity = 1.64 (Debt 1.09b / totalStockholderEquity, last quarter 663.8m)
Debt / EBITDA = 1.73 (Net Debt 591.7m / EBITDA 342.0m)
Debt / FCF = 4.06 (Net Debt 591.7m / FCF TTM 145.6m)
Total Stockholder Equity = 572.7m (last 4 quarters mean from totalStockholderEquity)
RoA = 6.80% (Net Income 146.1m / Total Assets 2.15b)
RoE = 25.51% (Net Income TTM 146.1m / Total Stockholder Equity 572.7m)
RoCE = 13.88% (EBIT 226.4m / Capital Employed (Equity 572.7m + L.T.Debt 1.06b))
RoIC = 14.59% (NOPAT 226.6m / Invested Capital 1.55b)
WACC = 6.00% (E(1.86b)/V(2.95b) * Re(8.63%) + D(1.09b)/V(2.95b) * Rd(1.51%) * (1-Tc(-0.00)))
Discount Rate = 8.63% (= CAPM, Blume Beta Adj.)
Shares Correlation 3-Years: -33.33 | Cagr: -1.06%
[DCF Debug] Terminal Value 74.81% ; FCFE base≈144.0m ; Y1≈132.6m ; Y5≈119.2m
Fair Price DCF = 30.11 (DCF Value 1.93b / Shares Outstanding 64.0m; 5y FCF grow -10.00% → 3.0% )
EPS Correlation: 52.08 | EPS CAGR: 6.75% | SUE: 0.23 | # QB: 0
Revenue Correlation: 95.75 | Revenue CAGR: 10.87% | SUE: 0.65 | # QB: 0
EPS next Quarter (2026-03-31): EPS=0.90 | Chg30d=+0.008 | Revisions Net=+2 | Analysts=6
EPS next Year (2026-12-31): EPS=3.75 | Chg30d=+0.101 | Revisions Net=+6 | Growth EPS=+4.7% | Growth Revenue=+5.4%

Additional Sources for EVTC Stock

News: Wall Street Journal | Benzinga | Yahoo Finance
Tweets: X | Stocktwits
Fund Manager Positions: Dataroma | Stockcircle