(EVTC) Evertec - Overview
Sector: TechnologyIndustry: Software - Infrastructure | Exchange NYSE (USA) | Currency USD | Market Cap: 1.745m | Total Return -26.5% in 12m
Stock: Payment Processing, Merchant Acquiring, Business
| Risk 5d forecast | |
|---|---|
| Volatility | 36.5% |
| Relative Tail Risk | -4.31% |
| Reward TTM | |
|---|---|
| Sharpe Ratio | -0.91 |
| Alpha | -35.02 |
| Character TTM | |
|---|---|
| Beta | 0.466 |
| Beta Downside | 1.368 |
| Drawdowns 3y | |
|---|---|
| Max DD | 39.64% |
| CAGR/Max DD | -0.16 |
EPS (Earnings per Share)
Revenue
Description: EVTC Evertec March 04, 2026
Evertec Inc. (EVTC) is a transaction processing and financial technology company operating in Latin America, Puerto Rico, and the Caribbean. The companys business model focuses on facilitating electronic payments and providing financial technology infrastructure.
EVTCs operations are divided into four segments: Payment Services - Puerto Rico & Caribbean, Latin America Payments and Solutions, Merchant Acquiring, and Business Solutions. This structure allows the company to address diverse market needs across its geographical footprint.
The company offers merchant acquiring services, enabling businesses to accept various electronic payment methods. This is a key revenue stream in the transaction processing sector, which benefits from the ongoing shift from cash to digital payments.
EVTC also provides payment processing services for financial institutions, supporting credit, debit, prepaid, and ATM card programs. The companys involvement in authorization, settlement, and fraud monitoring is critical for the integrity of electronic transactions.
Business process management solutions offered by EVTC include core bank processing, network hosting, and IT professional services. These services cater to the operational needs of financial institutions and other large organizations.
EVTC owns and operates the ATH network, a significant personal identification number (PIN) debit network in its operating regions. Payment networks are essential for the interchange of electronic transactions between different financial institutions.
The company processes billions of transactions annually, demonstrating its scale within the electronic payment ecosystem. EVTC primarily utilizes a direct sales force to market its services to financial institutions, merchants, corporations, and government agencies.
For a deeper dive into Evertecs financial performance and market position, consider exploring its comprehensive data on ValueRay.
Headlines to watch out for
- Puerto Rico economic stability impacts payment processing volume
- Latin American expansion drives transaction growth
- Merchant acquiring fees sensitive to consumer spending
- Regulatory changes in financial services affect compliance costs
Piotroski VR‑10 (Strict, 0-10) 6.0
| Net Income: 141.6m TTM > 0 and > 6% of Revenue |
| FCF/TA: 0.07 > 0.02 and ΔFCF/TA -2.10 > 1.0 |
| NWC/Revenue: 32.81% < 20% (prev 29.50%; Δ 3.31% < -1%) |
| CFO/TA 0.10 > 3% & CFO 234.4m > Net Income 141.6m |
| Net Debt (827.6m) to EBITDA (349.0m): 2.37 < 3 |
| Current Ratio: 2.07 > 1.5 & < 3 |
| Outstanding Shares: last quarter (63.8m) vs 12m ago -1.29% < -2% |
| Gross Margin: 36.55% > 18% (prev 0.44%; Δ 3.61k% > 0.5%) |
| Asset Turnover: 45.44% > 50% (prev 45.51%; Δ -0.07% > 0%) |
| Interest Coverage Ratio: 3.27 > 6 (EBITDA TTM 349.0m / Interest Expense TTM 68.3m) |
Altman Z'' 3.05
| A: 0.14 (Total Current Assets 590.8m - Total Current Liabilities 285.0m) / Total Assets 2.24b |
| B: 0.31 (Retained Earnings 687.7m / Total Assets 2.24b) |
| C: 0.11 (EBIT TTM 223.4m / Avg Total Assets 2.05b) |
| D: 0.41 (Book Value of Equity 621.6m / Total Liabilities 1.53b) |
| Altman-Z'' Score: 3.05 = A |
Beneish M -2.78
| DSRI: 1.03 (Receivables 164.4m/145.5m, Revenue 931.8m/845.5m) |
| GMI: 1.20 (GM 36.55% / 43.96%) |
| AQI: 1.02 (AQ_t 0.69 / AQ_t-1 0.68) |
| SGI: 1.10 (Revenue 931.8m / 845.5m) |
| TATA: -0.04 (NI 141.6m - CFO 234.4m) / TA 2.24b) |
| Beneish M-Score: -2.78 (Cap -4..+1) = A |
What is the price of EVTC shares?
Over the past week, the price has changed by -2.08%, over one month by -3.47%, over three months by -7.33% and over the past year by -26.50%.
Is EVTC a buy, sell or hold?
- StrongBuy: 1
- Buy: 2
- Hold: 2
- Sell: 0
- StrongSell: 0
What are the forecasts/targets for the EVTC price?
| Issuer | Target | Up/Down from current |
|---|---|---|
| Wallstreet Target Price | 32.6 | 19.5% |
| Analysts Target Price | 32.6 | 19.5% |
EVTC Fundamental Data Overview March 28, 2026
P/S = 1.8732
P/B = 2.768
P/EG = 2.14
Revenue TTM = 931.8m USD
EBIT TTM = 223.4m USD
EBITDA TTM = 349.0m USD
Long Term Debt = 1.06b USD (from longTermDebt, last quarter)
Short Term Debt = 39.7m USD (from shortTermDebt, last quarter)
Debt = 1.16b USD (from shortLongTermDebtTotal, last quarter)
Net Debt = 827.6m USD (from netDebt column, last quarter)
Enterprise Value = 2.57b USD (1.75b + Debt 1.16b - CCE 331.8m)
Interest Coverage Ratio = 3.27 (Ebit TTM 223.4m / Interest Expense TTM 68.3m)
EV/FCF = 16.07x (Enterprise Value 2.57b / FCF TTM 160.1m)
FCF Yield = 6.22% (FCF TTM 160.1m / Enterprise Value 2.57b)
FCF Margin = 17.19% (FCF TTM 160.1m / Revenue TTM 931.8m)
Net Margin = 15.20% (Net Income TTM 141.6m / Revenue TTM 931.8m)
Gross Margin = 36.55% ((Revenue TTM 931.8m - Cost of Revenue TTM 591.2m) / Revenue TTM)
Gross Margin QoQ = 12.85% (prev 32.99%)
Tobins Q-Ratio = 1.15 (Enterprise Value 2.57b / Total Assets 2.24b)
Interest Expense / Debt = 1.56% (Interest Expense 18.0m / Debt 1.16b)
Taxrate = 4.24% (1.64m / 38.7m)
NOPAT = 213.9m (EBIT 223.4m * (1 - 4.24%))
Current Ratio = 2.07 (Total Current Assets 590.8m / Total Current Liabilities 285.0m)
Debt / Equity = 1.87 (Debt 1.16b / totalStockholderEquity, last quarter 621.6m)
Debt / EBITDA = 2.37 (Net Debt 827.6m / EBITDA 349.0m)
Debt / FCF = 5.17 (Net Debt 827.6m / FCF TTM 160.1m)
Total Stockholder Equity = 609.9m (last 4 quarters mean from totalStockholderEquity)
RoA = 6.91% (Net Income 141.6m / Total Assets 2.24b)
RoE = 23.21% (Net Income TTM 141.6m / Total Stockholder Equity 609.9m)
RoCE = 13.40% (EBIT 223.4m / Capital Employed (Equity 609.9m + L.T.Debt 1.06b))
RoIC = 13.17% (NOPAT 213.9m / Invested Capital 1.62b)
WACC = 5.17% (E(1.75b)/V(2.90b) * Re(7.62%) + D(1.16b)/V(2.90b) * Rd(1.56%) * (1-Tc(0.04)))
Discount Rate = 7.62% (= CAPM, Blume Beta Adj.) -> floored to rf + 0.7*ERP = 7.92%
Shares Correlation 3-Years: -100.0 | Cagr: -1.87%
[DCF] Terminal Value 85.65% ; FCFF base≈164.7m ; Y1≈154.2m ; Y5≈143.4m
[DCF] Fair Price = 56.15 (EV 4.30b - Net Debt 827.6m = Equity 3.47b / Shares 61.8m; r=6.0% [WACC]; 5y FCF grow -8.15% → 3.0% )
EPS Correlation: 75.67 | EPS CAGR: 7.87% | SUE: 0.42 | # QB: 0
Revenue Correlation: 96.85 | Revenue CAGR: 13.91% | SUE: 2.07 | # QB: 1
EPS next Quarter (2026-06-30): EPS=0.95 | Chg7d=+0.011 | Chg30d=+0.011 | Revisions Net=+0 | Analysts=6
EPS current Year (2026-12-31): EPS=3.91 | Chg7d=+0.161 | Chg30d=+0.161 | Revisions Net=+5 | Growth EPS=+8.1% | Growth Revenue=+10.5%
EPS next Year (2027-12-31): EPS=4.25 | Chg7d=+0.196 | Chg30d=+0.196 | Revisions Net=+5 | Growth EPS=+8.7% | Growth Revenue=+6.9%
[Analyst] Revisions Ratio: +0.00 (3 Up / 3 Down within 30d for Next Quarter)
[Growth] Implied Growth Rate = -0.1% (Discount Rate 7.9% - Earnings Yield 8.1%)
[Growth] Growth Spread = +9.3% (Analyst 9.2% - Implied -0.1%)