EVERTEC INC (EVTC) Stock Fundamental Analysis
USA - NYSE:EVTC - PR30040P1032 - Common Stock
27.405 USD
-0.68 (-2.44%)
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 excellent profitability rating, but there are some minor concerns on its financial health. A decent growth rate in combination with a cheap valuation! Better keep an eye on EVTC. This makes EVTC very considerable for value investing!
1. Profitability
1.1 Basic Checks
EVTC had positive earnings in the past year.
In the past year EVTC had a positive cash flow from operations.
Each year in the past 5 years EVTC has been profitable.
EVTC had a positive operating cash flow in each of the past 5 years.
1.2 Ratios
EVTC has a better Return On Assets (7.03%) than 82.65% of its industry peers.
Looking at the Return On Equity, with a value of 22.52%, EVTC belongs to the top of the industry, outperforming 85.71% of the companies in the same industry.
EVTC's Return On Invested Capital of 8.88% is amongst the best of the industry. EVTC outperforms 80.61% of its industry peers.
The Average Return On Invested Capital over the past 3 years for EVTC is above the industry average of 7.85%.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 7.03% | ||
| ROE | 22.52% | ||
| ROIC | 8.88% |
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
With a decent Profit Margin value of 15.55%, EVTC is doing good in the industry, outperforming 67.35% of the companies in the same industry.
EVTC's Profit Margin has declined in the last couple of years.
With a decent Operating Margin value of 21.59%, EVTC is doing good in the industry, outperforming 68.37% of the companies in the same industry.
In the last couple of years the Operating Margin of EVTC has declined.
Looking at the Gross Margin, with a value of 51.37%, EVTC is in the better half of the industry, outperforming 69.39% of the companies in the same industry.
EVTC's Gross Margin has declined in the last couple of years.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| OM | 21.59% | ||
| PM (TTM) | 15.55% | ||
| GM | 51.37% |
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
The Return on Invested Capital (ROIC) is just above the Cost of Capital (WACC), so EVTC is still creating some value.
The number of shares outstanding for EVTC has been reduced compared to 1 year ago.
EVTC has less shares outstanding than it did 5 years ago.
EVTC has a worse debt/assets ratio than last year.
2.2 Solvency
An Altman-Z score of 2.24 indicates that EVTC is not a great score, but indicates only limited risk for bankruptcy at the moment.
With a decent Altman-Z score value of 2.24, EVTC is doing good in the industry, outperforming 78.57% of the companies in the same industry.
EVTC has a debt to FCF ratio of 6.68. This is a slightly negative value and a sign of low solvency as EVTC would need 6.68 years to pay back of all of its debts.
EVTC has a Debt to FCF ratio (6.68) which is in line with its industry peers.
EVTC has a Debt/Equity ratio of 1.49. This is a high value indicating a heavy dependency on external financing.
EVTC's Debt to Equity ratio of 1.49 is on the low side compared to the rest of the industry. EVTC is outperformed by 62.24% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 1.49 | ||
| Debt/FCF | 6.68 | ||
| Altman-Z | 2.24 |
ROIC/WACC1.25
WACC7.12%
2.3 Liquidity
A Current Ratio of 2.20 indicates that EVTC has no problem at all paying its short term obligations.
The Current ratio of EVTC (2.20) is better than 75.51% of its industry peers.
EVTC has a Quick Ratio of 2.20. This indicates that EVTC is financially healthy and has no problem in meeting its short term obligations.
The Quick ratio of EVTC (2.20) is better than 76.53% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | 2.2 | ||
| Quick Ratio | 2.2 |
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.
The Revenue has grown by 21.70% in the past year. This is a very strong growth!
EVTC shows quite a strong growth in Revenue. Measured over the last years, the Revenue has been growing by 11.65% yearly.
EPS 1Y (TTM)17.16%
EPS 3Y6.18%
EPS 5Y10.85%
EPS Q2Q%6.98%
Revenue 1Y (TTM)21.7%
Revenue growth 3Y12.75%
Revenue growth 5Y11.65%
Sales Q2Q%7.93%
3.2 Future
EVTC is expected to show a small growth in Earnings Per Share. In the coming years, the EPS will grow by 7.04% yearly.
EVTC is expected to show a small growth in Revenue. In the coming years, the Revenue will grow by 6.00% yearly.
EPS Next Y8.43%
EPS Next 2Y6.51%
EPS Next 3Y7.04%
EPS Next 5YN/A
Revenue Next Year7.32%
Revenue Next 2Y6.07%
Revenue Next 3Y6%
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 7.72, the valuation of EVTC can be described as very cheap.
77.55% of the companies in the same industry are more expensive than EVTC, based on the Price/Earnings ratio.
The average S&P500 Price/Earnings ratio is at 25.67. EVTC is valued rather cheaply when compared to this.
EVTC is valuated cheaply with a Price/Forward Earnings ratio of 7.36.
70.41% 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 31.86. EVTC is valued rather cheaply when compared to this.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 7.72 | ||
| Fwd PE | 7.36 |
4.2 Price Multiples
77.55% of the companies in the same industry are more expensive than EVTC, based on the Enterprise Value to EBITDA ratio.
EVTC's Price/Free Cash Flow ratio is a bit cheaper when compared to the industry. EVTC is cheaper than 65.31% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 12.48 | ||
| EV/EBITDA | 7.92 |
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)0.92
PEG (5Y)0.71
EPS Next 2Y6.51%
EPS Next 3Y7.04%
5. Dividend
5.1 Amount
With a yearly dividend of 0.71%, EVTC is not a good candidate for dividend investing.
In the last 3 months the price of EVTC has falen by -21.32%. A price decline artificially increases the dividend yield. It may be a sign investors do not expect the dividend to last.
Compared to an average industry Dividend Yield of 4.92, EVTC has a dividend in line with its industry peers.
With a Dividend Yield of 0.71, EVTC pays less dividend than the S&P500 average, which is at 2.40.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 0.71% |
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 9.25% of its income as dividend. This is a sustainable payout ratio.
The dividend of EVTC is growing, but earnings are growing more, so the dividend growth is sustainable.
DP9.25%
EPS Next 2Y6.51%
EPS Next 3Y7.04%
NYSE:EVTC (11/7/2025, 2:27:21 PM)
27.405
-0.68 (-2.44%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupFinancial Services
GICS IndustryFinancial Services
Earnings (Last)
Earnings (Next)
Inst Owners102.11%
Inst Owner Change-0.43%
Ins Owners0.73%
Ins Owner Change-3.96%
Market Cap1.75B
Revenue(TTM)845.49M
Net Income(TTM)137.91M
Analysts78.33
Price Target39.37 (43.66%)
Short Float %2.37%
Short Ratio4.46
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 0.71% |
Yearly Dividend0.2
Dividend Growth(5Y)0.01%
DP9.25%
Div Incr Years0
Div Non Decr Years6
Ex-Date
Surprises & Revisions
EPS beat(2)2
Avg EPS beat(2)4.66%
Min EPS beat(2)1.93%
Max EPS beat(2)7.38%
EPS beat(4)4
Avg EPS beat(4)10.96%
Min EPS beat(4)1.93%
Max EPS beat(4)19.07%
EPS beat(8)7
Avg EPS beat(8)9.95%
EPS beat(12)9
Avg EPS beat(12)5.2%
EPS beat(16)11
Avg EPS beat(16)5.11%
Revenue beat(2)2
Avg Revenue beat(2)2.09%
Min Revenue beat(2)1.27%
Max Revenue beat(2)2.9%
Revenue beat(4)2
Avg Revenue beat(4)0.22%
Min Revenue beat(4)-1.83%
Max Revenue beat(4)2.9%
Revenue beat(8)4
Avg Revenue beat(8)1.66%
Revenue beat(12)6
Avg Revenue beat(12)1.45%
Revenue beat(16)10
Avg Revenue beat(16)1.64%
PT rev (1m)0%
PT rev (3m)-3.5%
EPS NQ rev (1m)0%
EPS NQ rev (3m)0.91%
EPS NY rev (1m)0%
EPS NY rev (3m)2%
Revenue NQ rev (1m)0%
Revenue NQ rev (3m)0.37%
Revenue NY rev (1m)0%
Revenue NY rev (3m)1.25%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 7.72 | ||
| Fwd PE | 7.36 | ||
| P/S | 1.98 | ||
| P/FCF | 12.48 | ||
| P/OCF | 8.16 | ||
| P/B | 2.86 | ||
| P/tB | N/A | ||
| EV/EBITDA | 7.92 |
EPS(TTM)3.55
EY12.95%
EPS(NY)3.72
Fwd EY13.58%
FCF(TTM)2.2
FCFY8.01%
OCF(TTM)3.36
OCFY12.25%
SpS13.86
BVpS9.57
TBVpS-9.47
PEG (NY)0.92
PEG (5Y)0.71
Graham Number27.65
Profitability
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 7.03% | ||
| ROE | 22.52% | ||
| ROCE | 11.25% | ||
| ROIC | 8.88% | ||
| ROICexc | 10.71% | ||
| ROICexgc | 78.5% | ||
| OM | 21.59% | ||
| PM (TTM) | 15.55% | ||
| GM | 51.37% | ||
| FCFM | 15.84% |
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-Score8
Asset Turnover0.45
Health
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 1.49 | ||
| Debt/FCF | 6.68 | ||
| Debt/EBITDA | 2.96 | ||
| Cap/Depr | 63.46% | ||
| Cap/Sales | 8.39% | ||
| Interest Coverage | 250 | ||
| Cash Conversion | 69.62% | ||
| Profit Quality | 101.84% | ||
| Current Ratio | 2.2 | ||
| Quick Ratio | 2.2 | ||
| Altman-Z | 2.24 |
F-Score8
WACC7.12%
ROIC/WACC1.25
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 Y8.43%
EPS Next 2Y6.51%
EPS Next 3Y7.04%
EPS Next 5YN/A
Revenue 1Y (TTM)21.7%
Revenue growth 3Y12.75%
Revenue growth 5Y11.65%
Sales Q2Q%7.93%
Revenue Next Year7.32%
Revenue Next 2Y6.07%
Revenue Next 3Y6%
Revenue Next 5YN/A
EBIT growth 1Y5.07%
EBIT growth 3Y-6.72%
EBIT growth 5Y2.24%
EBIT Next Year128.04%
EBIT Next 3Y36.81%
EBIT Next 5YN/A
FCF growth 1Y-0.61%
FCF growth 3Y2.05%
FCF growth 5Y7.42%
OCF growth 1Y-2.21%
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.
Can you provide the valuation status for EVERTEC INC?
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 7 / 10.
What is the expected EPS growth for EVERTEC INC (EVTC) stock?
The Earnings per Share (EPS) of EVERTEC INC (EVTC) is expected to grow by 8.43% in the next year.
Can you provide the dividend sustainability for EVTC stock?
The dividend rating of EVERTEC INC (EVTC) is 5 / 10 and the dividend payout ratio is 9.25%.