EVOP gets a fundamental rating of 3 out of 10. The analysis compared the fundamentals against 97 industry peers in the Financial Services industry. There are concerns on the financial health of EVOP while its profitability can be described as average. While showing a medium growth rate, EVOP is valued expensive at the moment.

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1. Profitability

2. Health

3. Growth

4. Valuation

5. Dividend

1. Profitability

1.1 Basic Checks

In the past year EVOP has reported negative net income.
EVOP had a positive operating cash flow in the past year.

1.2 Ratios

EVOP has negative profitability rations, so we won't be analyzing them here.
With a decent Return On Invested Capital value of 3.67%, EVOP is doing good in the industry, outperforming 65.63% of the companies in the same industry.
The Average Return On Invested Capital over the past 3 years for EVOP is significantly above the industry average of 8.50%.
The 3 year average ROIC (23.91%) for EVOP is well above the current ROIC(3.67%). The reason for the recent decline needs to be investigated.

		Industry Rank	Sector Rank
ROA	N/A
ROE	N/A
ROIC	3.67%

ROA(3y)N/A

ROA(5y)N/A

ROE(3y)N/A

ROE(5y)N/A

ROIC(3y)23.91%

ROIC(5y)N/A

1.3 Margins

With a decent Operating Margin value of 12.33%, EVOP is doing good in the industry, outperforming 61.46% of the companies in the same industry.
EVOP's Operating Margin has improved in the last couple of years.
EVOP has a Gross Margin of 83.54%. This is amongst the best in the industry. EVOP outperforms 94.79% of its industry peers.
In the last couple of years the Gross Margin of EVOP has grown nicely.

		Industry Rank	Sector Rank
OM	12.33%
PM (TTM)	N/A
GM	83.54%

OM growth 3Y26.78%

OM growth 5Y6.61%

PM growth 3YN/A

PM growth 5YN/A

GM growth 3Y1.39%

GM growth 5Y4.38%

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ROA

ROE

ROIC

Operating and Profit Margin

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2. Health

2.1 Basic Checks

The Return on Invested Capital (ROIC) is well above the Cost of Capital (WACC), so EVOP is creating value.
EVOP has more shares outstanding than it did 1 year ago.
The debt/assets ratio for EVOP has been reduced compared to a year ago.

2.2 Solvency

EVOP has an Altman-Z score of 0.14. This is a bad value and indicates that EVOP is not financially healthy and even has some risk of bankruptcy.
EVOP has a Altman-Z score of 0.14. This is in the lower half of the industry: EVOP underperforms 62.50% of its industry peers.
The Debt to FCF ratio of EVOP is 6.22, which is on the high side as it means it would take EVOP, 6.22 years of fcf income to pay off all of its debts.
EVOP has a Debt to FCF ratio (6.22) which is comparable to the rest of the industry.

		Industry Rank	Sector Rank
Debt/Equity	N/A
Debt/FCF	6.22
Altman-Z	0.14

ROIC/WACC0.5

WACC7.27%

2.3 Liquidity

A Current Ratio of 1.11 indicates that EVOP should not have too much problems paying its short term obligations.
EVOP's Current ratio of 1.11 is in line compared to the rest of the industry. EVOP outperforms 43.75% of its industry peers.
EVOP has a Quick Ratio of 1.10. This is a normal value and indicates that EVOP is financially healthy and should not expect problems in meeting its short term obligations.
The Quick ratio of EVOP (1.10) is comparable to the rest of the industry.

		Industry Rank	Sector Rank
Current Ratio	1.11
Quick Ratio	1.1

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WACC

Debt/Equity

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Altman-Z score

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3. Growth

3.1 Past

EVOP shows a strong negative growth in Earnings Per Share. In the last year the EPS decreased by -289.17%.
EVOP shows quite a strong growth in Revenue. In the last year, the Revenue has grown by 9.35%.
The Revenue has been growing slightly by 1.47% on average over the past years.

EPS 1Y (TTM)-289.17%

EPS 3YN/A

EPS 5YN/A

EPS Q2Q%-442.51%

Revenue 1Y (TTM)9.35%

Revenue growth 3Y3.79%

Revenue growth 5Y1.47%

Sales Q2Q%4.98%

3.2 Future

The Earnings Per Share is expected to grow by 13.23% on average over the next years. This is quite good.
Based on estimates for the next years, EVOP will show a quite strong growth in Revenue. The Revenue will grow by 12.43% on average per year.

EPS Next Y11.11%

EPS Next 2Y13.23%

EPS Next 3YN/A

EPS Next 5YN/A

Revenue Next Year12.83%

Revenue Next 2Y12.43%

Revenue Next 3YN/A

Revenue Next 5YN/A

3.3 Evolution

The Revenue growth rate is accelerating: in the next years the growth will be better than in the last years.

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4. Valuation

4.1 Price/Earnings Ratio

The Price/Earnings Ratio is negative for EVOP. In the last year negative earnings were reported.
With a Price/Forward Earnings ratio of 25.63, EVOP can be considered very expensive at the moment.
The rest of the industry has a similar Price/Forward Earnings ratio as EVOP.
Compared to an average S&P500 Price/Forward Earnings ratio of 25.57, EVOP is valued at the same level.

		Industry Rank	Sector Rank
PE	N/A
Fwd PE	25.63

4.2 Price Multiples

Compared to the rest of the industry, the Enterprise Value to EBITDA ratio of EVOP indicates a somewhat cheap valuation: EVOP is cheaper than 66.67% of the companies listed in the same industry.
Compared to the rest of the industry, the Price/Free Cash Flow ratio of EVOP is on the same level as its industry peers.

		Industry Rank	Sector Rank
P/FCF	15.94
EV/EBITDA	12.75

4.3 Compensation for Growth

The high PEG Ratio(NY), which compensates the Price/Earnings for growth, indicates an expensive valuation of the company.
A more expensive valuation may be justified as EVOP's earnings are expected to grow with 13.23% in the coming years.