(EVTC) Evertec - Overview
Exchange: NYSE •
Country: United States •
Currency: USD •
Type: Common Stock •
ISIN: PR30040P1032
Stock: Payment Processing, Merchant Acquiring, Network Services, Business
Total Rating 28
Risk 84
Buy Signal -1.60
EPS (Earnings per Share)
Revenue
Dividends
| Dividend Yield | 0.59% |
| Yield on Cost 5y | 0.54% |
| Yield CAGR 5y | 0.00% |
| Payout Consistency | 90.6% |
| Payout Ratio | 8.3% |
| Risk 5d forecast | |
|---|---|
| Volatility | 31.8% |
| Relative Tail Risk | -2.80% |
| Reward TTM | |
|---|---|
| Sharpe Ratio | -0.50 |
| Alpha | -29.49 |
| Character TTM | |
|---|---|
| Beta | 0.720 |
| Beta Downside | 0.636 |
| Drawdowns 3y | |
|---|---|
| Max DD | 35.25% |
| CAGR/Max DD | -0.26 |
Description: EVTC Evertec January 13, 2026
Evertec Inc. (NYSE:EVTC) is a Puerto-based fintech firm that processes roughly ten billion electronic transactions each year across Latin America, the Caribbean and Puerto Rico. It operates through four business lines-Payment Services (Puerto Rico & Caribbean), Latin America Payments & Solutions, Merchant Acquiring, and Business Solutions-offering card-acceptance, issuer processing, fraud monitoring, core-banking, managed security, and outsourcing services. The company also owns the ATH PIN-debit network, which underpins much of its transaction volume.
Key metrics and sector drivers to note: (1) FY 2023 revenue grew ~12% YoY to $1.05 bn, with merchant acquiring contributing the fastest-growing segment; (2) transaction volume has risen ~8% annually, reflecting accelerating digital-payment adoption in Brazil, Mexico and the Caribbean; and (3) the business is sensitive to regional macro-factors such as GDP growth, remittance flows, and regulatory changes around open-banking and cross-border payments.
For a deeper dive into EVTC’s valuation and risk profile, the ValueRay platform offers a concise, data-rich overview worth exploring.
Piotroski VR‑10 (Strict, 0-10) 6.0
| Net Income: 146.1m TTM > 0 and > 6% of Revenue |
| FCF/TA: 0.07 > 0.02 and ΔFCF/TA -0.69 > 1.0 |
| NWC/Revenue: 54.05% < 20% (prev 31.95%; Δ 22.09% < -1%) |
| CFO/TA 0.11 > 3% & CFO 232.2m > Net Income 146.1m |
| Net Debt (591.7m) to EBITDA (342.0m): 1.73 < 3 |
| Current Ratio: 2.91 > 1.5 & < 3 |
| Outstanding Shares: last quarter (64.9m) vs 12m ago 0.23% < -2% |
| Gross Margin: 46.66% > 18% (prev 0.43%; Δ 4623 % > 0.5%) |
| Asset Turnover: 44.68% > 50% (prev 43.47%; Δ 1.21% > 0%) |
| Interest Coverage Ratio: 3.35 > 6 (EBITDA TTM 342.0m / Interest Expense TTM 67.6m) |
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 696.1m / Total Assets 2.15b) |
| C: 0.11 (EBIT TTM 226.4m / Avg Total Assets 2.02b) |
| D: 0.45 (Book Value of Equity 648.3m / Total Liabilities 1.44b) |
| Altman-Z'' Score: 3.77 = AA |
Beneish M -3.06
| DSRI: 1.07 (Receivables 153.9m/131.1m, Revenue 903.4m/823.7m) |
| GMI: 0.92 (GM 46.66% / 43.13%) |
| AQI: 0.91 (AQ_t 0.62 / AQ_t-1 0.68) |
| SGI: 1.10 (Revenue 903.4m / 823.7m) |
| TATA: -0.04 (NI 146.1m - CFO 232.2m) / TA 2.15b) |
| Beneish M-Score: -3.06 (Cap -4..+1) = AA |
What is the price of EVTC shares?
As of February 08, 2026, the stock is trading at USD 27.02 with a total of 610,290 shares traded.
Over the past week, the price has changed by -9.96%, over one month by -9.48%, over three months by -3.81% and over the past year by -16.88%.
Over the past week, the price has changed by -9.96%, over one month by -9.48%, over three months by -3.81% and over the past year by -16.88%.
Is EVTC a buy, sell or hold?
Evertec has received a consensus analysts rating of 3.80.
Therefor, it is recommend to hold EVTC.
- 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 | 32.8 | 21.4% |
| Analysts Target Price | 32.8 | 21.4% |
| ValueRay Target Price | 25.4 | -6% |
EVTC Fundamental Data Overview February 03, 2026
P/E Trailing = 13.3673
P/S = 2.1397
P/B = 2.8196
P/EG = 2.14
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 = 2.52b USD (1.93b + Debt 1.09b - CCE 499.7m)
Interest Coverage Ratio = 3.35 (Ebit TTM 226.4m / Interest Expense TTM 67.6m)
EV/FCF = 17.33x (Enterprise Value 2.52b / FCF TTM 145.6m)
FCF Yield = 5.77% (FCF TTM 145.6m / Enterprise Value 2.52b)
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 = 1.17 (Enterprise Value 2.52b / Total Assets 2.15b)
Interest Expense / Debt = 1.51% (Interest Expense 16.5m / Debt 1.09b)
Taxrate = 4.05% (4.85m / 119.6m)
NOPAT = 217.3m (EBIT 226.4m * (1 - 4.05%))
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 = 7.22% (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 = 13.99% (NOPAT 217.3m / Invested Capital 1.55b)
WACC = 6.00% (E(1.93b)/V(3.02b) * Re(8.57%) + D(1.09b)/V(3.02b) * Rd(1.51%) * (1-Tc(0.04)))
Discount Rate = 8.57% (= CAPM, Blume Beta Adj.)
Shares Correlation 3-Years: -33.33 | Cagr: -1.06%
[DCF Debug] Terminal Value 85.27% ; FCFF base≈144.0m ; Y1≈135.5m ; Y5≈127.0m
Fair Price DCF = 48.46 (EV 3.69b - Net Debt 591.7m = Equity 3.10b / Shares 64.0m; r=6.00% [WACC]; 5y FCF grow -7.58% → 2.90% )
EPS Correlation: -5.48 | EPS CAGR: -47.15% | SUE: -4.0 | # 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=+0.001 | Revisions Net=+1 | Analysts=6
EPS next Year (2026-12-31): EPS=3.75 | Chg30d=+0.001 | Revisions Net=+1 | Growth EPS=+4.7% | Growth Revenue=+5.6%
P/S = 2.1397
P/B = 2.8196
P/EG = 2.14
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 = 2.52b USD (1.93b + Debt 1.09b - CCE 499.7m)
Interest Coverage Ratio = 3.35 (Ebit TTM 226.4m / Interest Expense TTM 67.6m)
EV/FCF = 17.33x (Enterprise Value 2.52b / FCF TTM 145.6m)
FCF Yield = 5.77% (FCF TTM 145.6m / Enterprise Value 2.52b)
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 = 1.17 (Enterprise Value 2.52b / Total Assets 2.15b)
Interest Expense / Debt = 1.51% (Interest Expense 16.5m / Debt 1.09b)
Taxrate = 4.05% (4.85m / 119.6m)
NOPAT = 217.3m (EBIT 226.4m * (1 - 4.05%))
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 = 7.22% (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 = 13.99% (NOPAT 217.3m / Invested Capital 1.55b)
WACC = 6.00% (E(1.93b)/V(3.02b) * Re(8.57%) + D(1.09b)/V(3.02b) * Rd(1.51%) * (1-Tc(0.04)))
Discount Rate = 8.57% (= CAPM, Blume Beta Adj.)
Shares Correlation 3-Years: -33.33 | Cagr: -1.06%
[DCF Debug] Terminal Value 85.27% ; FCFF base≈144.0m ; Y1≈135.5m ; Y5≈127.0m
Fair Price DCF = 48.46 (EV 3.69b - Net Debt 591.7m = Equity 3.10b / Shares 64.0m; r=6.00% [WACC]; 5y FCF grow -7.58% → 2.90% )
EPS Correlation: -5.48 | EPS CAGR: -47.15% | SUE: -4.0 | # 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=+0.001 | Revisions Net=+1 | Analysts=6
EPS next Year (2026-12-31): EPS=3.75 | Chg30d=+0.001 | Revisions Net=+1 | Growth EPS=+4.7% | Growth Revenue=+5.6%