EVTC Stock Analysis: Evertec | NYSE
Software - Infrastructure | NYSE, USA | Market Cap: 1.771m USD | 12M Return: -14.5% | PR30040P1032 | Charts, Fundamentals & Technical Analysis
Avg Turnover: 11.6M
EPS Trend: 94.9%
Qual. Beats: 1
Rev. Trend: 98.0%
Qual. Beats: 1
Warnings
No concerns identified
Tailwinds
No distinct edge detected
Seasonality 11.6 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: 97.6m TTM > 0 and > 6% of Revenue |
| FCF/TA: 0.08 > 0.02 and ΔFCF/TA 0.55 > 1.0 |
| NWC/Revenue: 24.28% < 20% (prev 35.07%; Δ -10.79% < -1%) |
| CFO/TA 0.09 > 3% & CFO 231.6m > Net Income 97.6m |
| Net Debt (1.10b) to EBITDA (359.9m): 3.06 < 3 |
| Current Ratio: 1.70 > 1.5 & < 3 |
| Outstanding Shares: last quarter (61.4m) vs 12m ago -5.28% < -2% |
| Gross Margin: 43.36% > 18% (prev 51.37%; Δ -8.01% > 0.5%) |
| Asset Turnover: 44.86% > 50% (prev 45.20%; Δ -0.34% > 0%) |
| Interest Coverage Ratio: 2.99 > 6 (EBIT TTM 215.9m / Interest Expense TTM 72.2m) |
| A: 0.10 (Total Current Assets 586.1m - Total Current Liabilities 344.3m) / Total Assets 2.48b |
| B: 0.26 (Retained Earnings 644.0m / Total Assets 2.48b) |
| C: 0.10 (EBIT TTM 215.9m / Avg Total Assets 2.22b) |
| D: 0.36 (Book Value of Equity 641.4m / Total Liabilities 1.76b) |
| Altman-Z'' = 2.52 = A |
| DSRI: 1.04 (Receivables 182.6m/156.9m, Revenue 996.2m/886.6m) |
| GMI: 1.18 (GM 51.37% / 43.36%) |
| AQI: 1.10 (AQ_t 0.74 / AQ_t-1 0.67) |
| SGI: 1.12 (Revenue 996.2m / 886.6m) |
| TATA: -0.05 (NI 97.6m - CFO 231.6m) / TA 2.48b) |
| Beneish M = -2.69 (Cap -4..+1) = A |
As of August 14, 2026, the stock is trading at USD 31.98 with a total of 461,788 shares traded. Over the past week, the price has changed by +3.36%, over one month by +8.18%, over three months by +36.02% and over the past year by -14.46%.
Current recommended Stop Loss: 30.30 (which is 5.3% or 1.3 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 | 35.6 | 11.3% |
P/E Trailing = 19.2468
P/E Forward = 14.881
P/S = 1.7779
P/B = 2.7806
P/EG = 2.14
Revenue TTM = 996.2m USD
EBIT TTM = 215.9m USD
EBITDA TTM = 359.9m USD
Long Term Debt = 1.22b USD (from longTermDebt, last quarter)
Short Term Debt = 70.6m USD (from shortTermDebt, last quarter)
Debt = 1.36b USD (from shortLongTermDebtTotal, last quarter) + Leases 37.6m
Net Debt = 1.10b USD (calculated: Debt 1.36b - CCE 260.7m)
Enterprise Value = 2.87b USD (1.77b + Debt 1.36b - CCE 260.7m)
Interest Coverage Ratio = 2.99 (Ebit TTM 215.9m / Interest Expense TTM 72.2m)
EV/FCF = 15.03x (Enterprise Value 2.87b / FCF TTM 191.1m)
FCF Yield = 6.65% (FCF TTM 191.1m / Enterprise Value 2.87b)
FCF Margin = 19.19% (FCF TTM 191.1m / Revenue TTM 996.2m)
Net Margin = 9.80% (Net Income TTM 97.6m / Revenue TTM 996.2m)
Gross Margin = 43.36% ((Revenue TTM 996.2m - Cost of Revenue TTM 564.2m) / Revenue TTM)
Gross Margin QoQ = 40.24% (prev 37.28%)
Tobins Q-Ratio = 1.16 (Enterprise Value 2.87b / Total Assets 2.48b)
Interest Expense / Debt = 5.30% (Interest Expense 72.2m / Debt 1.36b)
Taxrate = 20.36% (26.1m / 128.2m)
NOPAT = 171.9m (EBIT 215.9m * (1 - 20.36%))
Current Ratio = 1.70 (Total Current Assets 586.1m / Total Current Liabilities 344.3m)
Debt / Equity = 2.12 (Debt 1.36b / totalStockholderEquity, last quarter 641.4m)
Debt / EBITDA = 3.06 (Net Debt 1.10b / EBITDA 359.9m)
Debt / FCF = 5.76 (Net Debt 1.10b / FCF TTM 191.1m)
Total Stockholder Equity = 648.8m (last 4 quarters mean from totalStockholderEquity)
RoA = 4.39% (Net Income 97.6m / Total Assets 2.48b)
RoE = 15.04% (Net Income TTM 97.6m / Total Stockholder Equity 648.8m)
RoCE = 11.54% (EBIT 215.9m / Capital Employed (Equity 648.8m + L.T.Debt 1.22b))
RoIC = 7.97% (NOPAT 171.9m / Invested Capital 2.16b)
WACC = 5.89% (E(1.77b)/V(3.13b) * Re(7.18%) + D(1.36b)/V(3.13b) * Rd(5.30%) * (1-Tc(0.20)))
Discount Rate = 7.18% (= CAPM, Blume Beta Adj.)
Shares (quarterly) Correlation: -87.45 | Cagr: -3.35%
[DCF] Terminal Value 77.97% ; FCFF base≈170.9m ; Y1≈195.9m ; Y5≈288.2m
[DCF] Fair Price = 54.16 (EV 4.34b - Net Debt 1.10b = Equity 3.24b / Shares 59.8m; r=8.35% [WACC [floored]]; 5y FCF grow 15.0% → 2.50% )
EPS Correlation: 94.90 | EPS CAGR: 10.86% | SUE: 1.70 | # QB: 1
Revenue Correlation: 97.97 | Revenue CAGR: 14.82% | SUE: 2.88 | # QB: 1
EPS current Quarter (2026-09-30): EPS=0.97 | Chg30d=-0.24% | Revisions=+17% | Analysts=5
EPS current Year (2026-12-31): EPS=3.98 | Chg30d=+1.68% | Revisions=+38% | GrowthEPS=+10.1% | GrowthRev=+16.5%
EPS next Year (2027-12-31): EPS=4.36 | Chg30d=+0.42% | Revisions=+67% | GrowthEPS=+9.5% | GrowthRev=+8.5%
[Analyst] Revisions Ratio: +59% (up=12, down=2)