(EVTC) Evertec - Ratings and Ratios
Payment Processing, ATM Card Services, Digital Banking
EVTC EPS (Earnings per Share)
EVTC Revenue
Description: EVTC Evertec
Evertec Inc (NYSE:EVTC) is a US-based company operating in the Transaction & Payment Processing Services sub-industry. The companys market capitalization stands at approximately $2.23 billion, indicating a mid-cap status.
With a Return on Equity (ROE) of 25.90%, Evertec demonstrates a robust ability to generate profits from shareholder equity, suggesting effective management and a competitive edge in the market. The Price-to-Earnings (P/E) ratio of 16.36 indicates that the stock is reasonably valued relative to its earnings, although a comparison with industry peers would provide a more nuanced understanding.
Key economic drivers for Evertec include the growth of digital payment transactions, the increasing adoption of electronic payment systems, and the expansion of financial inclusion initiatives. As a payment processing services provider, Evertec is well-positioned to benefit from these trends. Key Performance Indicators (KPIs) to monitor include revenue growth, transaction volume, and the ratio of operating expenses to revenue.
The payment processing industry is characterized by high barriers to entry, driven by the need for secure, reliable, and scalable infrastructure. Evertecs competitive advantage is likely derived from its established customer relationships, technological capabilities, and compliance with regulatory requirements. To maintain its market position, Evertec must continue to invest in innovation, customer service, and risk management.
From a valuation perspective, investors should monitor Evertecs ability to maintain its ROE and grow earnings per share (EPS). A stable or increasing P/E ratio could indicate improving investor sentiment, while a declining ratio might signal concerns about future growth prospects. Additionally, the dividend payout ratio and free cash flow generation are essential metrics to assess the sustainability of the companys financial performance.
EVTC Stock Overview
| Market Cap in USD | 2,189m |
| Sub-Industry | Transaction & Payment Processing Services |
| IPO / Inception | 2013-04-12 |
EVTC Stock Ratings
| Growth Rating | 7.68% |
| Fundamental | 85.4% |
| Dividend Rating | 29.0% |
| Return 12m vs S&P 500 | -15.3% |
| Analyst Rating | 3.80 of 5 |
EVTC Dividends
| Dividend Yield 12m | 0.59% |
| Yield on Cost 5y | 0.61% |
| Annual Growth 5y | 0.00% |
| Payout Consistency | 90.3% |
| Payout Ratio | 5.7% |
EVTC Growth Ratios
| Growth Correlation 3m | -18.1% |
| Growth Correlation 12m | 38.8% |
| Growth Correlation 5y | -42.5% |
| CAGR 5y | 2.52% |
| CAGR/Max DD 3y | 0.08 |
| CAGR/Mean DD 3y | 0.21 |
| Sharpe Ratio 12m | 0.09 |
| Alpha | 0.06 |
| Beta | 0.126 |
| Volatility | 25.95% |
| Current Volume | 277.3k |
| Average Volume 20d | 277.3k |
| Stop Loss | 32.7 (-3.1%) |
| Signal | -0.47 |
Piotroski VR‑10 (Strict, 0-10) 7.5
| Net Income (137.9m TTM) > 0 and > 6% of Revenue (6% = 53.2m TTM) |
| FCFTA 0.08 (>2.0%) and ΔFCFTA 1.76pp (YES ≥ +1.0pp, WARN ≥ +0.5pp) |
| NWC/Revenue 35.07% (prev 30.54%; Δ 4.52pp) (YES ≤20% & Δ≤-1pp; WARN ≤25% & Δ≤0 oder ≤40% & Δ≤-3pp) |
| CFO/TA 0.11 (>3.0%) and CFO 214.8m > Net Income 137.9m (YES >=105%, WARN >=100%) |
| Net Debt (658.1m) to EBITDA (345.4m) ratio: 1.91 <= 3.0 (WARN <= 3.5) |
| Current Ratio 2.20 (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 -0.43% (target <= -2.0% for YES) |
| Gross Margin 51.37% (prev 39.23%; Δ 12.14pp) >=18% & Δ>=+0.5pp (WARN >=15% & Δ>=0) |
| Asset Turnover 46.04% (prev 41.54%; Δ 4.50pp) >=50% & Δ>=+2pp (WARN >=35% & Δ>=0) |
| Interest Coverage Ratio 3.22 (EBITDA TTM 345.4m / Interest Expense TTM 69.8m) >= 6 (WARN >= 3) |
Altman Z'' 3.42
| (A) 0.16 = (Total Current Assets 570.6m - Total Current Liabilities 259.8m) / Total Assets 1.96b |
| (B) 0.34 = Retained Earnings (Balance) 666.4m / Total Assets 1.96b |
| (C) 0.12 = EBIT TTM 224.6m / Avg Total Assets 1.93b |
| (D) 0.46 = Book Value of Equity 605.4m / Total Liabilities 1.30b |
| Total Rating: 3.42 = (6.56 * A) + (3.26 * B) + (6.72 * C) + (1.05 * D) |
ValueRay F-Score (Strict, 0-100) 85.36
| 1. Piotroski 7.50pt = 2.50 |
| 2. FCF Yield 5.73% = 2.86 |
| 3. FCF Margin 18.35% = 4.59 |
| 4. Debt/Equity 1.54 = 1.42 |
| 5. Debt/Ebitda 2.73 = -1.36 |
| 6. ROIC - WACC (= 9.52)% = 11.90 |
| 7. RoE 25.90% = 2.16 |
| 8. Rev. Trend 97.46% = 7.31 |
| 9. EPS Trend 79.79% = 3.99 |
What is the price of EVTC shares?
Over the past week, the price has changed by +0.75%, over one month by -8.91%, over three months by -6.74% and over the past year by +0.42%.
Is Evertec a good stock to buy?
Based on momentum, paid dividends and discounted-cash-flow analyses, the fair value of EVTC is around 31.15 USD . This means that EVTC is currently overvalued and has a potential downside of -7.65%.
Is EVTC a buy, sell or hold?
- 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 | 38.6 | 14.4% |
| Analysts Target Price | 38.6 | 14.4% |
| ValueRay Target Price | 33.7 | -0.2% |
Last update: 2025-09-12 04:36
EVTC Fundamental Data Overview
CCE Cash And Equivalents = 290.6m USD (Cash And Short Term Investments, last quarter)
P/E Trailing = 16.061
P/S = 2.4688
P/B = 3.4983
P/EG = 2.14
Beta = 0.932
Revenue TTM = 886.6m USD
EBIT TTM = 224.6m USD
EBITDA TTM = 345.4m USD
Long Term Debt = 914.9m USD (from longTermDebt, last quarter)
Short Term Debt = 28.8m USD (from shortTermDebt, last quarter)
Debt = 943.6m USD (Calculated: Short Term 28.8m + Long Term 914.9m)
Net Debt = 658.1m USD (from netDebt column, last quarter)
Enterprise Value = 2.84b USD (2.19b + Debt 943.6m - CCE 290.6m)
Interest Coverage Ratio = 3.22 (Ebit TTM 224.6m / Interest Expense TTM 69.8m)
FCF Yield = 5.73% (FCF TTM 162.7m / Enterprise Value 2.84b)
FCF Margin = 18.35% (FCF TTM 162.7m / Revenue TTM 886.6m)
Net Margin = 15.55% (Net Income TTM 137.9m / Revenue TTM 886.6m)
Gross Margin = 51.37% ((Revenue TTM 886.6m - Cost of Revenue TTM 431.2m) / Revenue TTM)
Tobins Q-Ratio = 4.69 (Enterprise Value 2.84b / Book Value Of Equity 605.4m)
Interest Expense / Debt = 1.77% (Interest Expense 16.7m / Debt 943.6m)
Taxrate = 4.05% (4.85m / 119.6m)
NOPAT = 215.5m (EBIT 224.6m * (1 - 4.05%))
Current Ratio = 2.20 (Total Current Assets 570.6m / Total Current Liabilities 259.8m)
Debt / Equity = 1.54 (Debt 943.6m / last Quarter total Stockholder Equity 612.3m)
Debt / EBITDA = 2.73 (Net Debt 658.1m / EBITDA 345.4m)
Debt / FCF = 5.80 (Debt 943.6m / FCF TTM 162.7m)
Total Stockholder Equity = 532.4m (last 4 quarters mean)
RoA = 7.03% (Net Income 137.9m, Total Assets 1.96b )
RoE = 25.90% (Net Income TTM 137.9m / Total Stockholder Equity 532.4m)
RoCE = 15.52% (Ebit 224.6m / (Equity 532.4m + L.T.Debt 914.9m))
RoIC = 14.56% (NOPAT 215.5m / Invested Capital 1.48b)
WACC = 5.04% (E(2.19b)/V(3.13b) * Re(6.48%)) + (D(943.6m)/V(3.13b) * Rd(1.77%) * (1-Tc(0.04)))
Shares Correlation 3-Years: -51.52 | Cagr: -0.30%
Discount Rate = 6.48% (= CAPM, Blume Beta Adj.) -> floored to rf + ERP 8.05%
[DCF Debug] Terminal Value 77.27% ; FCFE base≈147.1m ; Y1≈137.6m ; Y5≈127.7m
Fair Price DCF = 35.78 (DCF Value 2.29b / Shares Outstanding 64.0m; 5y FCF grow -8.23% → 3.0% )
EPS Correlation: 79.79 | EPS CAGR: 33.75% | SUE: 0.64 | # QB: 0
Revenue Correlation: 97.46 | Revenue CAGR: 17.95% | SUE: N/A | # QB: None
Additional Sources for EVTC Stock
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