EVERTEC INC (EVTC) Stock Fundamental Analysis

NYSE:EVTC • PR30040P1032

25.78 USD
-1.76 (-6.39%)
At close: Feb 23, 2026
25.78 USD
0 (0%)
After Hours: 2/23/2026, 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 98 industry peers in the Financial Services industry. EVTC has an average financial health and profitability rating. EVTC may be a bit undervalued, certainly considering the very reasonable score on growth These ratings would make EVTC suitable for value investing!


Dividend Valuation Growth Profitability Health

6

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.
  • EVTC had positive earnings in each of the past 5 years.
  • Each year in the past 5 years EVTC had a positive operating cash flow.
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 has a Return On Assets of 6.80%. This is in the better half of the industry: EVTC outperforms 79.59% of its industry peers.
  • With an excellent Return On Equity value of 22.01%, EVTC belongs to the best of the industry, outperforming 85.71% of the companies in the same industry.
  • EVTC's Return On Invested Capital of 8.10% is fine compared to the rest of the industry. EVTC outperforms 76.53% of its industry peers.
  • EVTC had an Average Return On Invested Capital over the past 3 years of 10.42%. This is above the industry average of 8.40%.
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

  • Looking at the Profit Margin, with a value of 16.17%, EVTC is in the better half of the industry, outperforming 61.22% of the companies in the same industry.
  • In the last couple of years the Profit Margin of EVTC has declined.
  • With a decent Operating Margin value of 21.49%, EVTC is doing good in the industry, outperforming 71.43% of the companies in the same industry.
  • 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 69.39% of its industry peers.
  • EVTC's Gross Margin has declined in the last couple of years.
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

  • The Return on Invested Capital (ROIC) is just above the Cost of Capital (WACC), so EVTC is still creating some value.
  • Compared to 1 year ago, EVTC has less shares outstanding
  • The number of shares outstanding for EVTC has been reduced compared to 5 years ago.
  • Compared to 1 year ago, EVTC has a worse debt to assets ratio.
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

  • An Altman-Z score of 2.11 indicates that EVTC is not a great score, but indicates only limited risk for bankruptcy at the moment.
  • EVTC has a better Altman-Z score (2.11) than 77.55% 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 has a Debt to FCF ratio (7.44) which is in line with its industry peers.
  • A Debt/Equity ratio of 1.60 is on the high side and indicates that EVTC has dependencies on debt financing.
  • EVTC has a Debt to Equity ratio of 1.60. This is in the lower half of the industry: EVTC underperforms 63.27% of its industry peers.
Industry RankSector Rank
Debt/Equity 1.6
Debt/FCF 7.44
Altman-Z 2.11
ROIC/WACC1.04
WACC7.81%
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.
  • EVTC has a Current ratio of 2.91. This is amongst the best in the industry. EVTC outperforms 83.67% 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.
  • With an excellent Quick ratio value of 2.91, EVTC belongs to the best of the industry, outperforming 83.67% of the companies in the same industry.
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.
  • EVTC shows quite a strong growth in Earnings Per Share. Measured over the last years, the EPS has been growing by 10.85% yearly.
  • 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

  • The Earnings Per Share is expected to grow by 8.03% on average over the next years. This is quite good.
  • The Revenue is expected to grow by 7.10% on average over the next years.
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.
  • 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.
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 7.26, the valuation of EVTC can be described as very cheap.
  • Based on the Price/Earnings ratio, EVTC is valued cheaply inside the industry as 80.61% of the companies are valued more expensively.
  • EVTC's Price/Earnings ratio indicates a rather cheap valuation when compared to the S&P500 average which is at 26.64.
  • The Price/Forward Earnings ratio is 6.74, which indicates a rather cheap valuation of EVTC.
  • Based on the Price/Forward Earnings ratio, EVTC is valued a bit cheaper than 79.59% of the companies in the same industry.
  • Compared to an average S&P500 Price/Forward Earnings ratio of 27.75, EVTC is valued rather cheaply.
Industry RankSector Rank
PE 7.26
Fwd PE 6.74
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

  • EVTC's Enterprise Value to EBITDA ratio is a bit cheaper when compared to the industry. EVTC is cheaper than 77.55% of the companies in the same industry.
  • Based on the Price/Free Cash Flow ratio, EVTC is valued a bit cheaper than the industry average as 71.43% of the companies are valued more expensively.
Industry RankSector Rank
P/FCF 11.33
EV/EBITDA 7.38
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)0.63
PEG (5Y)0.67
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

  • EVTC has a yearly dividend return of 0.74%, which is pretty low.
  • Compared to an average industry Dividend Yield of 2.17, 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 1.80.
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.
  • 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
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

  • 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%
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 (2/23/2026, 8:04:00 PM)

After market: 25.78 0 (0%)

25.78

-1.76 (-6.39%)

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-2.15%
Ins Owners0.73%
Ins Owner Change0%
Market Cap1.65B
Revenue(TTM)903.38M
Net Income(TTM)146.09M
Analysts78.33
Price Target33.46 (29.79%)
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)0%
EPS NQ rev (1m)-1.44%
EPS NQ rev (3m)-0.34%
EPS NY rev (1m)0.05%
EPS NY rev (3m)2.83%
Revenue NQ rev (1m)0%
Revenue NQ rev (3m)0%
Revenue NY rev (1m)0%
Revenue NY rev (3m)2.03%
Valuation
Industry RankSector Rank
PE 7.26
Fwd PE 6.74
P/S 1.83
P/FCF 11.33
P/OCF 7.1
P/B 2.48
P/tB N/A
EV/EBITDA 7.38
EPS(TTM)3.55
EY13.77%
EPS(NY)3.82
Fwd EY14.83%
FCF(TTM)2.28
FCFY8.83%
OCF(TTM)3.63
OCFY14.08%
SpS14.12
BVpS10.37
TBVpS-8.81
PEG (NY)0.63
PEG (5Y)0.67
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 2.11
F-Score6
WACC7.81%
ROIC/WACC1.04
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%.