EVERTEC INC (EVTC) Stock Fundamental Analysis
USA • New York Stock Exchange • NYSE:EVTC • PR30040P1032
29.25 USD
+0.52 (+1.81%)
At close: Jan 29, 2026
29.25 USD
0 (0%)
After Hours: 1/29/2026, 8:10:08 PM
Overall EVTC gets a fundamental rating of 6 out of 10. We evaluated EVTC against 97 industry peers in the Financial Services industry. EVTC has an average financial health and profitability rating. A decent growth rate in combination with a cheap valuation! Better keep an eye on EVTC. With these ratings, EVTC could be worth investigating further for value investing!.
1. Profitability
1.1 Basic Checks
- EVTC had positive earnings in the past year.
- EVTC had a positive operating cash flow in the past year.
- In the past 5 years EVTC has always been profitable.
- In the past 5 years EVTC always reported a positive cash flow from operatings.
1.2 Ratios
- EVTC has a Return On Assets of 6.80%. This is amongst the best in the industry. EVTC outperforms 80.41% of its industry peers.
- EVTC has a better Return On Equity (22.01%) than 85.57% of its industry peers.
- EVTC has a better Return On Invested Capital (8.10%) than 76.29% of its industry peers.
- Measured over the past 3 years, the Average Return On Invested Capital for EVTC is in line with the industry average of 8.46%.
| Industry Rank | Sector 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%
1.3 Margins
- The Profit Margin of EVTC (16.17%) is better than 61.86% of its industry peers.
- In the last couple of years the Profit Margin of EVTC has declined.
- EVTC has a Operating Margin of 21.49%. This is in the better half of the industry: EVTC outperforms 71.13% of its industry peers.
- EVTC's Operating Margin has declined in the last couple of years.
- EVTC has a Gross Margin of 49.81%. This is in the better half of the industry: EVTC outperforms 68.04% of its industry peers.
- In the last couple of years the Gross Margin of EVTC has declined.
| Industry Rank | Sector 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%
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.
- Compared to 1 year ago, EVTC has less shares outstanding
- Compared to 5 years ago, EVTC has less shares outstanding
- EVTC has a worse debt/assets ratio than last year.
2.2 Solvency
- EVTC has an Altman-Z score of 2.20. 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.
- The Altman-Z score of EVTC (2.20) is better than 78.35% 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.
- Looking at the Debt to FCF ratio, with a value of 7.44, EVTC is in line with its industry, outperforming 48.45% of the companies in the same industry.
- EVTC has a Debt/Equity ratio of 1.60. This is a high value indicating a heavy dependency on external financing.
- With a Debt to Equity ratio value of 1.60, EVTC is not doing good in the industry: 63.92% of the companies in the same industry are doing better.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 1.6 | ||
| Debt/FCF | 7.44 | ||
| Altman-Z | 2.2 |
ROIC/WACC1.03
WACC7.89%
2.3 Liquidity
- A Current Ratio of 2.91 indicates that EVTC has no problem at all paying its short term obligations.
- EVTC has a better Current ratio (2.91) than 84.54% of its industry peers.
- EVTC has a Quick Ratio of 2.91. This indicates that EVTC is financially healthy and has no problem in meeting its short term obligations.
- EVTC has a Quick ratio of 2.91. This is amongst the best in the industry. EVTC outperforms 85.57% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | 2.91 | ||
| Quick Ratio | 2.91 |
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.
- EVTC shows quite a strong growth in Revenue. In the last year, the Revenue has grown by 9.67%.
- The Revenue has been growing by 11.65% on average over the past years. This is quite good.
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
- The Earnings Per Share is expected to grow by 8.03% on average over the next years. This is quite good.
- EVTC is expected to show a small growth in Revenue. In the coming years, the Revenue will grow by 7.10% yearly.
EPS Next Y11.44%
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.
- When comparing the Revenue growth rate of the last years to the growth rate of the upcoming years, we see that the growth is decreasing.
4. Valuation
4.1 Price/Earnings Ratio
- With a Price/Earnings ratio of 8.24, the valuation of EVTC can be described as very reasonable.
- 76.29% of the companies in the same industry are more expensive than EVTC, based on the Price/Earnings ratio.
- EVTC is valuated cheaply when we compare the Price/Earnings ratio to 28.39, which is the current average of the S&P500 Index.
- With a Price/Forward Earnings ratio of 7.65, the valuation of EVTC can be described as very cheap.
- 74.23% of the companies in the same industry are more expensive than EVTC, based on the Price/Forward Earnings ratio.
- The average S&P500 Price/Forward Earnings ratio is at 25.72. EVTC is valued rather cheaply when compared to this.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 8.24 | ||
| Fwd PE | 7.65 |
4.2 Price Multiples
- Based on the Enterprise Value to EBITDA ratio, EVTC is valued a bit cheaper than 74.23% of the companies in the same industry.
- Based on the Price/Free Cash Flow ratio, EVTC is valued a bit cheaper than 71.13% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 12.85 | ||
| EV/EBITDA | 8.1 |
4.3 Compensation for Growth
- The 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)0.72
PEG (5Y)0.76
EPS Next 2Y7.98%
EPS Next 3Y8.03%
5. Dividend
5.1 Amount
- With a yearly dividend of 0.66%, EVTC is not a good candidate for dividend investing.
- Compared to an average industry Dividend Yield of 2.09, EVTC has a dividend in line with its industry peers.
- Compared to an average S&P500 Dividend Yield of 1.82, EVTC's dividend is way lower than the S&P500 average.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 0.66% |
5.2 History
- The dividend of EVTC has a limited annual growth rate of 0.01%.
- EVTC has paid a dividend for at least 10 years, which is a reliable track record.
- As EVTC did not decrease their dividend in the past 5 years, we can say the dividend looks stable.
Dividend Growth(5Y)0.01%
Div Incr Years0
Div Non Decr Years6
5.3 Sustainability
- EVTC pays out 8.74% of its income as dividend. This is a 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%
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 7 / 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%.