EVERTEC INC (EVTC) Stock Fundamental Analysis

NYSE:EVTC • PR30040P1032

27.54 USD
+0.44 (+1.62%)
At close: Feb 20, 2026
27.54 USD
0 (0%)
After Hours: 2/20/2026, 8:04:00 PM
Overview Stock Chart Technical Analysis Fundamental Analysis Analyst Ratings Earnings Estimates Financials Ownership News
Fundamental Rating

6

Overall EVTC gets a fundamental rating of 6 out of 10. We evaluated EVTC against 97 industry peers in the Financial Services industry. Both the profitability and the financial health of EVTC get a neutral evaluation. Nothing too spectacular is happening here. EVTC is valued quite cheap, while showing a decent growth score. This is a good combination! These ratings would make EVTC suitable for value investing!


Dividend Valuation Growth Profitability Health

6

1. Profitability

1.1 Basic Checks

  • In the past year EVTC was profitable.
  • EVTC had a positive operating cash flow in the past year.
  • EVTC had positive earnings in each of the past 5 years.
  • In the past 5 years EVTC always reported a positive cash flow from operatings.
EVTC Yearly Net Income VS EBIT VS OCF VS FCFEVTC Yearly Net Income VS EBIT VS OCF VS FCFYearly Net Income VS EBIT VS OCF VS FCF 2016 2017 2018 2019 2020 2021 2022 2023 2024 50M 100M 150M 200M 250M

1.2 Ratios

  • EVTC's Return On Assets of 6.80% is fine compared to the rest of the industry. EVTC outperforms 79.38% of its industry peers.
  • EVTC has a better Return On Equity (22.01%) than 85.57% of its industry peers.
  • With a decent Return On Invested Capital value of 8.10%, EVTC is doing good in the industry, outperforming 76.29% of the companies in the same industry.
  • The Average Return On Invested Capital over the past 3 years for EVTC is above the industry average of 8.38%.
Industry RankSector Rank
ROA 6.8%
ROE 22.01%
ROIC 8.1%
ROA(3y)10.35%
ROA(5y)10.97%
ROE(3y)29.31%
ROE(5y)30.68%
ROIC(3y)10.42%
ROIC(5y)11.85%
EVTC Yearly ROA, ROE, ROICEVTC Yearly ROA, ROE, ROICYearly ROA, ROE, ROIC 2016 2017 2018 2019 2020 2021 2022 2023 2024 20 40 60

1.3 Margins

  • With a decent Profit Margin value of 16.17%, EVTC is doing good in the industry, outperforming 60.82% of the companies in the same industry.
  • In the last couple of years the Profit Margin of EVTC has declined.
  • EVTC's Operating Margin of 21.49% is fine compared to the rest of the industry. EVTC outperforms 71.13% of its industry peers.
  • EVTC's Operating Margin has declined in the last couple of years.
  • With a decent Gross Margin value of 49.81%, EVTC is doing good in the industry, outperforming 69.07% of the companies in the same industry.
  • In the last couple of years the Gross Margin of EVTC has declined.
Industry RankSector Rank
OM 21.49%
PM (TTM) 16.17%
GM 49.81%
OM growth 3Y-17.27%
OM growth 5Y-8.42%
PM growth 3Y-21.29%
PM growth 5Y-8.91%
GM growth 3Y-3.38%
GM growth 5Y-1.57%
EVTC Yearly Profit, Operating, Gross MarginsEVTC Yearly Profit, Operating, Gross MarginsYearly Profit, Operating, Gross Margins 2016 2017 2018 2019 2020 2021 2022 2023 2024 10 20 30 40 50

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ROAROEROICOperating and Profit MarginShow most profitable peers

6

2. Health

2.1 Basic Checks

  • With a Return on Invested Capital (ROIC) just above the Cost of Capital (WACC), EVTC is creating some value.
  • The number of shares outstanding for EVTC has been reduced compared to 1 year ago.
  • Compared to 5 years ago, EVTC has less shares outstanding
  • EVTC has a worse debt/assets ratio than last year.
EVTC Yearly Shares OutstandingEVTC Yearly Shares OutstandingYearly Shares Outstanding 2016 2017 2018 2019 2020 2021 2022 2023 2024 20M 40M 60M
EVTC Yearly Total Debt VS Total AssetsEVTC Yearly Total Debt VS Total AssetsYearly Total Debt VS Total Assets 2016 2017 2018 2019 2020 2021 2022 2023 2024 500M 1B 1.5B 2B

2.2 Solvency

  • EVTC has an Altman-Z score of 2.14. This is not the best score and indicates that EVTC is in the grey zone with still only limited risk for bankruptcy at the moment.
  • EVTC's Altman-Z score of 2.14 is fine compared to the rest of the industry. EVTC outperforms 77.32% of its industry peers.
  • EVTC has a debt to FCF ratio of 7.44. This is a slightly negative value and a sign of low solvency as EVTC would need 7.44 years to pay back of all of its debts.
  • EVTC's Debt to FCF ratio of 7.44 is in line compared to the rest of the industry. EVTC outperforms 48.45% of its industry peers.
  • EVTC has a Debt/Equity ratio of 1.60. This is a high value indicating a heavy dependency on external financing.
  • EVTC has a Debt to Equity ratio of 1.60. This is in the lower half of the industry: EVTC underperforms 63.92% of its industry peers.
Industry RankSector Rank
Debt/Equity 1.6
Debt/FCF 7.44
Altman-Z 2.14
ROIC/WACC1.03
WACC7.9%
EVTC Yearly LT Debt VS Equity VS FCFEVTC Yearly LT Debt VS Equity VS FCFYearly LT Debt VS Equity VS FCF 2016 2017 2018 2019 2020 2021 2022 2023 2024 200M 400M 600M 800M

2.3 Liquidity

  • A Current Ratio of 2.91 indicates that EVTC has no problem at all paying its short term obligations.
  • The Current ratio of EVTC (2.91) is better than 84.54% of its industry peers.
  • A Quick Ratio of 2.91 indicates that EVTC has no problem at all paying its short term obligations.
  • EVTC has a better Quick ratio (2.91) than 84.54% of its industry peers.
Industry RankSector Rank
Current Ratio 2.91
Quick Ratio 2.91
EVTC Yearly Current Assets VS Current LiabilitesEVTC Yearly Current Assets VS Current LiabilitesYearly Current Assets VS Current Liabilites 2016 2017 2018 2019 2020 2021 2022 2023 2024 100M 200M 300M 400M 500M

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WACCDebt/EquityHow to determine the health of a companyAltman-Z scoreShow peers with great health

5

3. Growth

3.1 Past

  • EVTC shows a strong growth in Earnings Per Share. In the last year, the EPS has been growing by 17.16%, which is quite good.
  • Measured over the past years, EVTC shows a quite strong growth in Earnings Per Share. The EPS has been growing by 10.85% on average per year.
  • Looking at the last year, EVTC shows a quite strong growth in Revenue. The Revenue has grown by 9.67% in the last year.
  • Measured over the past years, EVTC shows a quite strong growth in Revenue. The Revenue has been growing by 11.65% on average per year.
EPS 1Y (TTM)17.16%
EPS 3Y6.18%
EPS 5Y10.85%
EPS Q2Q%6.98%
Revenue 1Y (TTM)9.67%
Revenue growth 3Y12.75%
Revenue growth 5Y11.65%
Sales Q2Q%7.93%

3.2 Future

  • Based on estimates for the next years, EVTC will show a quite strong growth in Earnings Per Share. The EPS will grow by 8.03% on average per year.
  • Based on estimates for the next years, EVTC will show a small growth in Revenue. The Revenue will grow by 7.10% on average per year.
EPS Next Y11.5%
EPS Next 2Y7.98%
EPS Next 3Y8.03%
EPS Next 5YN/A
Revenue Next Year9.5%
Revenue Next 2Y7.56%
Revenue Next 3Y7.1%
Revenue Next 5YN/A

3.3 Evolution

  • The EPS growth rate is decreasing: in the next years the growth will be less than in the last years.
  • The Revenue growth rate is decreasing: in the next years the growth will be less than in the last years.
EVTC Yearly Revenue VS EstimatesEVTC Yearly Revenue VS EstimatesYearly Revenue VS Estimates 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 2027 200M 400M 600M 800M 1B
EVTC Yearly EPS VS EstimatesEVTC Yearly EPS VS EstimatesYearly EPS VS Estimates 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 2027 1 2 3 4

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Find the best growth stocksShow best growing peers

8

4. Valuation

4.1 Price/Earnings Ratio

  • With a Price/Earnings ratio of 7.76, the valuation of EVTC can be described as very cheap.
  • Based on the Price/Earnings ratio, EVTC is valued a bit cheaper than 79.38% of the companies in the same industry.
  • When comparing the Price/Earnings ratio of EVTC to the average of the S&P500 Index (26.99), we can say EVTC is valued rather cheaply.
  • A Price/Forward Earnings ratio of 7.20 indicates a rather cheap valuation of EVTC.
  • Compared to the rest of the industry, the Price/Forward Earnings ratio of EVTC indicates a rather cheap valuation: EVTC is cheaper than 80.41% of the companies listed in the same industry.
  • EVTC's Price/Forward Earnings ratio indicates a rather cheap valuation when compared to the S&P500 average which is at 28.06.
Industry RankSector Rank
PE 7.76
Fwd PE 7.2
EVTC Price Earnings VS Forward Price EarningsEVTC Price Earnings VS Forward Price Earnings ChartPrice Earnings - Forward Price Earnings PE FPE 5 10 15 20 25

4.2 Price Multiples

  • Based on the Enterprise Value to EBITDA ratio, EVTC is valued a bit cheaper than the industry average as 76.29% of the companies are valued more expensively.
  • 71.13% of the companies in the same industry are more expensive than EVTC, based on the Price/Free Cash Flow ratio.
Industry RankSector Rank
P/FCF 12.1
EV/EBITDA 7.65
EVTC Per share dataEVTC EPS, Sales, OCF, FCF, BookValue per sharePer Share Data Per Share 0 5 -5 10

4.3 Compensation for Growth

  • EVTC's low PEG Ratio(NY), which compensates the Price/Earnings for growth, indicates a rather cheap valuation of the company.
  • EVTC has a very decent profitability rating, which may justify a higher PE ratio.
PEG (NY)0.67
PEG (5Y)0.72
EPS Next 2Y7.98%
EPS Next 3Y8.03%

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Price/EarningsPrice/FCFFCF per shareEV/EBITDAPEG RATIOShow best valued peers

5

5. Dividend

5.1 Amount

  • With a yearly dividend of 0.74%, EVTC is not a good candidate for dividend investing.
  • Compared to an average industry Dividend Yield of 2.28, EVTC has a dividend in line with its industry peers.
  • With a Dividend Yield of 0.74, EVTC pays less dividend than the S&P500 average, which is at 1.85.
Industry RankSector Rank
Dividend Yield 0.74%

5.2 History

  • The dividend of EVTC has a limited annual growth rate of 0.01%.
  • EVTC has been paying a dividend for at least 10 years, so it has a reliable track record.
  • EVTC has not decreased its dividend in the past 5 years, so it has a somewhat stable track record.
Dividend Growth(5Y)0.01%
Div Incr Years0
Div Non Decr Years6
EVTC Yearly Dividends per shareEVTC Yearly Dividends per shareYearly Dividends per share 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 0 0 0 0 0

5.3 Sustainability

  • 8.74% of the earnings are spent on dividend by EVTC. This is a low number and sustainable payout ratio.
  • EVTC's earnings are growing more than its dividend. This makes the dividend growth sustainable.
DP8.74%
EPS Next 2Y7.98%
EPS Next 3Y8.03%
EVTC Yearly Income VS Free CF VS DividendEVTC Yearly Income VS Free CF VS DividendYearly Income VS Free CF VS Dividend 2016 2017 2018 2019 2020 2021 2022 2023 2024 50M 100M 150M 200M
EVTC Dividend Payout.EVTC Dividend Payout, showing the Payout Ratio.EVTC Dividend Payout.PayoutRetained Earnings

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Find the best dividend stocksShow peers with best dividend

EVERTEC INC

NYSE:EVTC (2/20/2026, 8:04:00 PM)

After market: 27.54 0 (0%)

27.54

+0.44 (+1.62%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupFinancial Services
GICS IndustryFinancial Services
Earnings (Last)11-06
Earnings (Next)02-26
Inst Owners101.98%
Inst Owner Change-3.08%
Ins Owners0.73%
Ins Owner Change0%
Market Cap1.76B
Revenue(TTM)903.38M
Net Income(TTM)146.09M
Analysts78.33
Price Target33.46 (21.5%)
Short Float %2.78%
Short Ratio3.91
Dividend
Industry RankSector Rank
Dividend Yield 0.74%
Yearly Dividend0.2
Dividend Growth(5Y)0.01%
DP8.74%
Div Incr Years0
Div Non Decr Years6
Ex-DateN/A
Surprises & Revisions
EPS beat(2)2
Avg EPS beat(2)1.73%
Min EPS beat(2)1.53%
Max EPS beat(2)1.93%
EPS beat(4)4
Avg EPS beat(4)7.48%
Min EPS beat(4)1.53%
Max EPS beat(4)19.07%
EPS beat(8)7
Avg EPS beat(8)7.67%
EPS beat(12)10
Avg EPS beat(12)8.06%
EPS beat(16)12
Avg EPS beat(16)5.32%
Revenue beat(2)1
Avg Revenue beat(2)0.51%
Min Revenue beat(2)-0.26%
Max Revenue beat(2)1.27%
Revenue beat(4)2
Avg Revenue beat(4)0.61%
Min Revenue beat(4)-1.46%
Max Revenue beat(4)2.9%
Revenue beat(8)3
Avg Revenue beat(8)0.6%
Revenue beat(12)6
Avg Revenue beat(12)1.52%
Revenue beat(16)9
Avg Revenue beat(16)1.6%
PT rev (1m)0%
PT rev (3m)-15.03%
EPS NQ rev (1m)-1.44%
EPS NQ rev (3m)5.39%
EPS NY rev (1m)0.37%
EPS NY rev (3m)2.83%
Revenue NQ rev (1m)0%
Revenue NQ rev (3m)3.86%
Revenue NY rev (1m)0%
Revenue NY rev (3m)2.03%
Valuation
Industry RankSector Rank
PE 7.76
Fwd PE 7.2
P/S 1.95
P/FCF 12.1
P/OCF 7.59
P/B 2.65
P/tB N/A
EV/EBITDA 7.65
EPS(TTM)3.55
EY12.89%
EPS(NY)3.82
Fwd EY13.89%
FCF(TTM)2.28
FCFY8.27%
OCF(TTM)3.63
OCFY13.18%
SpS14.12
BVpS10.37
TBVpS-8.81
PEG (NY)0.67
PEG (5Y)0.72
Graham Number28.79
Profitability
Industry RankSector Rank
ROA 6.8%
ROE 22.01%
ROCE 10.25%
ROIC 8.1%
ROICexc 10.81%
ROICexgc 80.44%
OM 21.49%
PM (TTM) 16.17%
GM 49.81%
FCFM 16.12%
ROA(3y)10.35%
ROA(5y)10.97%
ROE(3y)29.31%
ROE(5y)30.68%
ROIC(3y)10.42%
ROIC(5y)11.85%
ROICexc(3y)12.85%
ROICexc(5y)15.16%
ROICexgc(3y)98.61%
ROICexgc(5y)108.08%
ROCE(3y)13.32%
ROCE(5y)15.08%
ROICexgc growth 3Y-12.99%
ROICexgc growth 5Y-2.59%
ROICexc growth 3Y-23.28%
ROICexc growth 5Y-8.31%
OM growth 3Y-17.27%
OM growth 5Y-8.42%
PM growth 3Y-21.29%
PM growth 5Y-8.91%
GM growth 3Y-3.38%
GM growth 5Y-1.57%
F-Score6
Asset Turnover0.42
Health
Industry RankSector Rank
Debt/Equity 1.6
Debt/FCF 7.44
Debt/EBITDA 3.46
Cap/Depr 77.25%
Cap/Sales 9.58%
Interest Coverage 250
Cash Conversion 75.84%
Profit Quality 99.69%
Current Ratio 2.91
Quick Ratio 2.91
Altman-Z 2.14
F-Score6
WACC7.9%
ROIC/WACC1.03
Cap/Depr(3y)88.3%
Cap/Depr(5y)84.39%
Cap/Sales(3y)12.01%
Cap/Sales(5y)11.38%
Profit Quality(3y)128.7%
Profit Quality(5y)126.1%
High Growth Momentum
Growth
EPS 1Y (TTM)17.16%
EPS 3Y6.18%
EPS 5Y10.85%
EPS Q2Q%6.98%
EPS Next Y11.5%
EPS Next 2Y7.98%
EPS Next 3Y8.03%
EPS Next 5YN/A
Revenue 1Y (TTM)9.67%
Revenue growth 3Y12.75%
Revenue growth 5Y11.65%
Sales Q2Q%7.93%
Revenue Next Year9.5%
Revenue Next 2Y7.56%
Revenue Next 3Y7.1%
Revenue Next 5YN/A
EBIT growth 1Y30.22%
EBIT growth 3Y-6.72%
EBIT growth 5Y2.24%
EBIT Next Year132.69%
EBIT Next 3Y37.89%
EBIT Next 5YN/A
FCF growth 1Y-2.91%
FCF growth 3Y2.05%
FCF growth 5Y7.42%
OCF growth 1Y1.87%
OCF growth 3Y4.42%
OCF growth 5Y7.65%

EVERTEC INC / EVTC FAQ

What is the ChartMill fundamental rating of EVERTEC INC (EVTC) stock?

ChartMill assigns a fundamental rating of 6 / 10 to EVTC.


What is the valuation status for EVTC stock?

ChartMill assigns a valuation rating of 8 / 10 to EVERTEC INC (EVTC). This can be considered as Undervalued.


How profitable is EVERTEC INC (EVTC) stock?

EVERTEC INC (EVTC) has a profitability rating of 6 / 10.


How financially healthy is EVERTEC INC?

The financial health rating of EVERTEC INC (EVTC) is 6 / 10.


Is the dividend of EVERTEC INC sustainable?

The dividend rating of EVERTEC INC (EVTC) is 5 / 10 and the dividend payout ratio is 8.74%.