EVTC Stock Analysis: Evertec | NYSE
Software - Infrastructure | NYSE, USA | Market Cap: 2.140m USD | 12M Return: 10.9% | PR30040P1032 | Charts, Fundamentals & Technical Analysis
Avg Turnover: 14.7M
EPS Trend: 93.2%
Qual. Beats: 2
Rev. Trend: 98.5%
Qual. Beats: 2
Warnings
Tailwinds
Seasonality 11.9 years of data, until 10/2026
How good or bad each month usually is (without trend). The score below shows how much you can trust it: 0 = pure chance, ≥40 worth a closer look and ≥60 is strong.
EVERTEC, Inc. (NYSE: EVTC) is a transaction processing and financial technology company operating primarily in Puerto Rico, the Caribbean, and Latin America. Founded in 1988 and headquartered in San Juan, Puerto Rico, the company went public in April 2013 and is classified within the Transaction & Payment Processing Services sub-industry (GICS Financials sector). It organizes its operations into four segments: Payment Services – Puerto Rico & Caribbean, Latin America Payments and Solutions, Merchant Acquiring, and Business Solutions.
The companys service offering spans the full electronic payments value chain, including merchant acquiring for point-of-sale and e-commerce transactions, issuer-side payment processing (credit, debit, prepaid, ATM, and EBT), and a suite of business process management solutions such as core bank processing, IT outsourcing, and managed security services. EVERTEC also owns and operates the ATH network, a PIN-based debit network, which functions as a regional payments rail similar in concept to domestic debit networks in larger markets. According to the description, the company processes approximately ten billion transactions annually through its electronic payment networks and distributes its services primarily through a direct sales force to financial institutions, merchants, corporations, and government agencies.
- ATH network transactions drive Puerto Rico payment segment growth
- Latin America Payments segment expands via regional acquisitions
- Merchant acquiring volumes track Puerto Rico consumer spending recovery
| Net Income: 94.6m TTM > 0 and > 6% of Revenue |
| FCF/TA: 0.05 > 0.02 and ΔFCF/TA -2.31 > 1.0 |
| NWC/Revenue: 23.70% < 20% (prev 54.05%; Δ -30.35% < -1%) |
| CFO/TA 0.09 > 3% & CFO 227.0m > Net Income 94.6m |
| Net Debt (1.07b) to EBITDA (380.2m): 2.81 < 3 |
| Current Ratio: 1.66 > 1.5 & < 3 |
| Outstanding Shares: last quarter (60.4m) vs 12m ago -6.71% < -2% |
| Gross Margin: 45.70% > 18% (prev 49.81%; Δ -4.11% > 0.5%) |
| Asset Turnover: 45.09% > 50% (prev 42.03%; Δ 3.05% > 0%) |
| Interest Coverage Ratio: 2.88 > 6 (EBIT TTM 222.5m / Interest Expense TTM 77.2m) |
| A: 0.10 (Total Current Assets 624.6m - Total Current Liabilities 375.7m) / Total Assets 2.51b |
| B: 0.26 (Retained Earnings 657.0m / Total Assets 2.51b) |
| C: 0.10 (EBIT TTM 222.5m / Avg Total Assets 2.33b) |
| D: 0.36 (Book Value of Equity 648.2m / Total Liabilities 1.78b) |
| Altman-Z'' = 2.53 = A |
| DSRI: 1.05 (Receivables 187.2m/153.9m, Revenue 1.05b/903.4m) |
| GMI: 1.09 (GM 49.81% / 45.70%) |
| AQI: 1.14 (AQ_t 0.71 / AQ_t-1 0.62) |
| SGI: 1.16 (Revenue 1.05b / 903.4m) |
| TATA: -0.05 (NI 94.6m - CFO 227.0m) / TA 2.51b) |
| Beneish M = -2.71 (Cap -4..+1) = A |
As of November 13, 2026, the stock is trading at USD 32.12 with a total of 377,949 shares traded. Over the past week, the price has changed by -5.47%, over one month by +8.06%, over three months by +5.78% and over the past year by +10.85%.
Current recommended Stop Loss: 29.30 (which is 8.8% or 2 ATR below the current price).
Evertec has received a consensus analysts rating of 3.67. Therefore, it is recommended to hold EVTC.
- StrongBuy: 1
- Buy: 2
- Hold: 3
- Sell: 0
- StrongSell: 0
| Analysts Target Price | 35.2 | 9.6% |
P/E Trailing = 22.5519
P/E Forward = 14.881
P/S = 2.0832
P/B = 2.912
P/EG = 2.14
Revenue TTM = 1.05b USD
EBIT TTM = 222.5m USD
EBITDA TTM = 380.2m USD
Long Term Debt = 1.06b USD (from longTermDebt, last fiscal year)
Short Term Debt = 68.7m USD (from shortTermDebt, last quarter)
Debt = 1.35b USD (from shortLongTermDebtTotal, last quarter) + Leases 37.6m
Net Debt = 1.07b USD (calculated: Debt 1.35b - CCE 284.1m)
Enterprise Value = 3.21b USD (2.14b + Debt 1.35b - CCE 284.1m)
Interest Coverage Ratio = 2.88 (Ebit TTM 222.5m / Interest Expense TTM 77.2m)
EV/FCF = 23.67x (Enterprise Value 3.21b / FCF TTM 135.5m)
FCF Yield = 4.23% (FCF TTM 135.5m / Enterprise Value 3.21b)
FCF Margin = 12.90% (FCF TTM 135.5m / Revenue TTM 1.05b)
Net Margin = 9.00% (Net Income TTM 94.6m / Revenue TTM 1.05b)
Gross Margin = 45.70% ((Revenue TTM 1.05b - Cost of Revenue TTM 570.5m) / Revenue TTM)
Gross Margin QoQ = 53.70% (prev 40.24%)
Tobins Q-Ratio = 1.28 (Enterprise Value 3.21b / Total Assets 2.51b)
Interest Expense / Debt = 5.71% (Interest Expense 77.2m / Debt 1.35b)
Taxrate = 22.87% (29.7m / 129.9m)
NOPAT = 171.6m (EBIT 222.5m * (1 - 22.87%))
Current Ratio = 1.66 (Total Current Assets 624.6m / Total Current Liabilities 375.7m)
Debt / Equity = 2.08 (Debt 1.35b / totalStockholderEquity, last quarter 648.2m)
Debt / EBITDA = 2.81 (Net Debt 1.07b / EBITDA 380.2m)
Debt / FCF = 7.88 (Net Debt 1.07b / FCF TTM 135.5m)
Total Stockholder Equity = 644.9m (last 4 quarters mean from totalStockholderEquity)
RoA = 4.06% (Net Income 94.6m / Total Assets 2.51b)
RoE = 14.67% (Net Income TTM 94.6m / Total Stockholder Equity 644.9m)
RoCE = 13.07% (EBIT 222.5m / Capital Employed (Equity 644.9m + L.T.Debt 1.06b))
RoIC = 7.98% (NOPAT 171.6m / Invested Capital 2.15b)
WACC = 5.89% (E(2.14b)/V(3.49b) * Re(6.82%) + D(1.35b)/V(3.49b) * Rd(5.71%) * (1-Tc(0.23)))
Discount Rate = 6.82% (= CAPM, Blume Beta Adj.)
Shares (quarterly) Correlation: -87.08 | Cagr: -3.29%
[DCF] Terminal Value 73.10% ; FCFF base≈147.6m ; Y1≈129.4m ; Y5≈104.6m
[DCF] Fair Price = 9.92 (EV 1.68b - Net Debt 1.07b = Equity 611.0m / Shares 61.6m; r=8.35% [WACC [floored]]; 5y FCF grow -15.0% → 2.50% )
EPS Correlation: 93.20 | EPS CAGR: 10.22% | SUE: 1.48 | # QB: 2
Revenue Correlation: 98.47 | Revenue CAGR: 14.05% | SUE: 1.97 | # QB: 2
EPS current Quarter (2027-03-31): EPS=1.02 | Chg30d=+0.70% | Revisions=+25% | Analysts=6
EPS current Year (2026-12-31): EPS=4.01 | Chg30d=+0.26% | Revisions=+62% | GrowthEPS=+10.7% | GrowthRev=+17.0%
EPS next Year (2027-12-31): EPS=4.39 | Chg30d=+0.37% | Revisions=+44% | GrowthEPS=+9.6% | GrowthRev=+8.2%
[Analyst] Revisions Ratio: +67% (up=11, down=1)