EVERTEC INC (EVTC) Fundamental Analysis & Valuation

NYSE:EVTC • PR30040P1032

Current stock price

27.28 USD
-1.02 (-3.6%)
At close:
27.28 USD
0 (0%)
After Hours:

This EVTC fundamental analysis includes valuation metrics, fair value assessment, financial health analysis, profitability trends, growth metrics and dividend sustainability analysis.

6

1. EVTC Profitability Analysis

1.1 Basic Checks

  • EVTC had positive earnings in the past year.
  • In the past year EVTC had a positive cash flow from operations.
  • 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 2025 50M 100M 150M 200M 250M

1.2 Ratios

  • EVTC's Return On Assets of 6.31% is amongst the best of the industry. EVTC outperforms 82.00% of its industry peers.
  • EVTC has a Return On Equity of 22.78%. This is amongst the best in the industry. EVTC outperforms 87.00% of its industry peers.
  • The Return On Invested Capital of EVTC (7.87%) is better than 76.00% of its industry peers.
  • The Average Return On Invested Capital over the past 3 years for EVTC is in line with the industry average of 8.07%.
Industry RankSector Rank
ROA 6.31%
ROE 22.78%
ROIC 7.87%
ROA(3y)5.41%
ROA(5y)10.29%
ROE(3y)20.01%
ROE(5y)29.05%
ROIC(3y)8.16%
ROIC(5y)11%
EVTC Yearly ROA, ROE, ROICEVTC Yearly ROA, ROE, ROICYearly ROA, ROE, ROIC 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 20 40 60

1.3 Margins

  • EVTC has a Profit Margin of 15.20%. This is in the better half of the industry: EVTC outperforms 63.00% of its industry peers.
  • In the last couple of years the Profit Margin of EVTC has declined.
  • With a decent Operating Margin value of 21.05%, EVTC is doing good in the industry, outperforming 72.00% of the companies in the same industry.
  • EVTC's Operating Margin has declined in the last couple of years.
  • EVTC has a better Gross Margin (49.65%) than 70.00% of its industry peers.
  • EVTC's Gross Margin has declined in the last couple of years.
Industry RankSector Rank
OM 21.05%
PM (TTM) 15.2%
GM 49.65%
OM growth 3Y-9.4%
OM growth 5Y-5.32%
PM growth 3Y-26.74%
PM growth 5Y-5.76%
GM growth 3Y-2.36%
GM growth 5Y-2.22%
EVTC Yearly Profit, Operating, Gross MarginsEVTC Yearly Profit, Operating, Gross MarginsYearly Profit, Operating, Gross Margins 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 10 20 30 40 50

More info and screens

ROAROEROICOperating and Profit MarginShow most profitable peers

6

2. EVTC Health Analysis

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
  • EVTC has less shares outstanding than it did 5 years ago.
  • Compared to 1 year ago, EVTC has an improved debt to assets ratio.
EVTC Yearly Shares OutstandingEVTC Yearly Shares OutstandingYearly Shares Outstanding 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 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 2025 500M 1B 1.5B 2B

2.2 Solvency

  • An Altman-Z score of 1.94 indicates that EVTC is not a great score, but indicates only limited risk for bankruptcy at the moment.
  • EVTC's Altman-Z score of 1.94 is fine compared to the rest of the industry. EVTC outperforms 79.00% of its industry peers.
  • EVTC has a debt to FCF ratio of 8.02. This is a slightly negative value and a sign of low solvency as EVTC would need 8.02 years to pay back of all of its debts.
  • EVTC's Debt to FCF ratio of 8.02 is in line compared to the rest of the industry. EVTC outperforms 56.00% of its industry peers.
  • A Debt/Equity ratio of 1.71 is on the high side and indicates that EVTC has dependencies on debt financing.
  • EVTC has a worse Debt to Equity ratio (1.71) than 63.00% of its industry peers.
Industry RankSector Rank
Debt/Equity 1.71
Debt/FCF 8.02
Altman-Z 1.94
ROIC/WACC1.1
WACC7.15%
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 2025 200M 400M 600M 800M 1B

2.3 Liquidity

  • EVTC has a Current Ratio of 2.07. This indicates that EVTC is financially healthy and has no problem in meeting its short term obligations.
  • Looking at the Current ratio, with a value of 2.07, EVTC is in the better half of the industry, outperforming 78.00% of the companies in the same industry.
  • A Quick Ratio of 2.07 indicates that EVTC has no problem at all paying its short term obligations.
  • Looking at the Quick ratio, with a value of 2.07, EVTC is in the better half of the industry, outperforming 79.00% of the companies in the same industry.
Industry RankSector Rank
Current Ratio 2.07
Quick Ratio 2.07
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 2025 100M 200M 300M 400M 500M

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

6

3. EVTC Growth Analysis

3.1 Past

  • The Earnings Per Share has grown by an nice 10.06% over the past year.
  • The Earnings Per Share has been growing by 11.66% on average over the past years. This is quite good.
  • The Revenue has grown by 10.21% in the past year. This is quite good.
  • The Revenue has been growing by 12.78% on average over the past years. This is quite good.
EPS 1Y (TTM)10.06%
EPS 3Y14.58%
EPS 5Y11.66%
EPS Q2Q%6.9%
Revenue 1Y (TTM)10.21%
Revenue growth 3Y14.64%
Revenue growth 5Y12.78%
Sales Q2Q%13.14%

3.2 Future

  • EVTC is expected to show quite a strong growth in Earnings Per Share. In the coming years, the EPS will grow by 12.95% yearly.
  • EVTC is expected to show quite a strong growth in Revenue. In the coming years, the Revenue will grow by 8.96% yearly.
EPS Next Y9.13%
EPS Next 2Y8.68%
EPS Next 3Y12.95%
EPS Next 5YN/A
Revenue Next Year11.43%
Revenue Next 2Y9.12%
Revenue Next 3Y8.96%
Revenue Next 5YN/A

3.3 Evolution

  • When comparing the EPS growth rate of the last years to the growth rate of the upcoming years, we see that the growth is stable.
  • 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 2028 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 2028 1 2 3 4 5

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Find the best growth stocksShow best growing peers

8

4. EVTC Valuation Analysis

4.1 Price/Earnings Ratio

  • The Price/Earnings ratio is 7.56, which indicates a rather cheap valuation of EVTC.
  • Based on the Price/Earnings ratio, EVTC is valued a bit cheaper than 71.00% of the companies in the same industry.
  • Compared to an average S&P500 Price/Earnings ratio of 24.88, EVTC is valued rather cheaply.
  • Based on the Price/Forward Earnings ratio of 6.92, the valuation of EVTC can be described as very cheap.
  • Compared to the rest of the industry, the Price/Forward Earnings ratio of EVTC indicates a somewhat cheap valuation: EVTC is cheaper than 73.00% 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 22.19.
Industry RankSector Rank
PE 7.56
Fwd PE 6.92
EVTC Price Earnings VS Forward Price EarningsEVTC Price Earnings VS Forward Price Earnings ChartPrice Earnings - Forward Price Earnings PE FPE 5 10 15 20

4.2 Price Multiples

  • 75.00% of the companies in the same industry are more expensive than EVTC, based on the Enterprise Value to EBITDA ratio.
  • Based on the Price/Free Cash Flow ratio, EVTC is valued a bit cheaper than 70.00% of the companies in the same industry.
Industry RankSector Rank
P/FCF 12.43
EV/EBITDA 7.92
EVTC Per share dataEVTC EPS, Sales, OCF, FCF, BookValue per sharePer Share Data Per Share 0 5 -5 10 -10 15

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.
  • A more expensive valuation may be justified as EVTC's earnings are expected to grow with 12.95% in the coming years.
PEG (NY)0.83
PEG (5Y)0.65
EPS Next 2Y8.68%
EPS Next 3Y12.95%

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

5

5. EVTC Dividend Analysis

5.1 Amount

  • EVTC has a yearly dividend return of 0.71%, which is pretty low.
  • EVTC's Dividend Yield is comparable with the industry average which is at 2.50.
  • With a Dividend Yield of 0.71, EVTC pays less dividend than the S&P500 average, which is at 1.90.
Industry RankSector Rank
Dividend Yield 0.71%

5.2 History

  • The dividend of EVTC has a limited annual growth rate of 0.40%.
  • 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)0.4%
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 2026 0 0 0 0 0

5.3 Sustainability

  • EVTC pays out 9.03% 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.
DP9.03%
EPS Next 2Y8.68%
EPS Next 3Y12.95%
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 2025 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

EVTC Fundamentals: All Metrics, Ratios and Statistics

EVERTEC INC

NYSE:EVTC (3/27/2026, 8:14:20 PM)

After market: 27.28 0 (0%)

27.28

-1.02 (-3.6%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupFinancial Services
GICS IndustryFinancial Services
Earnings (Last)02-26
Earnings (Next)05-05
Inst Owners102.1%
Inst Owner Change-2.15%
Ins Owners0.75%
Ins Owner Change19.25%
Market Cap1.68B
Revenue(TTM)931.82M
Net Income(TTM)141.59M
Analysts78.33
Price Target33.46 (22.65%)
Short Float %2.67%
Short Ratio3.33
Dividend
Industry RankSector Rank
Dividend Yield 0.71%
Yearly Dividend0.2
Dividend Growth(5Y)0.4%
DP9.03%
Div Incr Years0
Div Non Decr Years6
Ex-Date03-02
Surprises & Revisions
EPS beat(2)2
Avg EPS beat(2)1.86%
Min EPS beat(2)1.53%
Max EPS beat(2)2.18%
EPS beat(4)4
Avg EPS beat(4)3.26%
Min EPS beat(4)1.53%
Max EPS beat(4)7.38%
EPS beat(8)8
Avg EPS beat(8)8.51%
EPS beat(12)11
Avg EPS beat(12)8.38%
EPS beat(16)12
Avg EPS beat(16)4.62%
Revenue beat(2)1
Avg Revenue beat(2)0.55%
Min Revenue beat(2)-0.26%
Max Revenue beat(2)1.36%
Revenue beat(4)3
Avg Revenue beat(4)1.32%
Min Revenue beat(4)-0.26%
Max Revenue beat(4)2.9%
Revenue beat(8)3
Avg Revenue beat(8)-0.01%
Revenue beat(12)6
Avg Revenue beat(12)1.44%
Revenue beat(16)9
Avg Revenue beat(16)1.44%
PT rev (1m)0%
PT rev (3m)0%
EPS NQ rev (1m)2.03%
EPS NQ rev (3m)2.22%
EPS NY rev (1m)3.01%
EPS NY rev (3m)3.01%
Revenue NQ rev (1m)4%
Revenue NQ rev (3m)4.16%
Revenue NY rev (1m)5.48%
Revenue NY rev (3m)5.68%
Valuation
Industry RankSector Rank
PE 7.56
Fwd PE 6.92
P/S 1.81
P/FCF 12.43
P/OCF 7.42
P/B 2.71
P/tB N/A
EV/EBITDA 7.92
EPS(TTM)3.61
EY13.23%
EPS(NY)3.94
Fwd EY14.44%
FCF(TTM)2.19
FCFY8.04%
OCF(TTM)3.68
OCFY13.47%
SpS15.09
BVpS10.06
TBVpS-13.33
PEG (NY)0.83
PEG (5Y)0.65
Graham Number28.59
Profitability
Industry RankSector Rank
ROA 6.31%
ROE 22.78%
ROCE 10.01%
ROIC 7.87%
ROICexc 9.32%
ROICexgc 71.33%
OM 21.05%
PM (TTM) 15.2%
GM 49.65%
FCFM 14.54%
ROA(3y)5.41%
ROA(5y)10.29%
ROE(3y)20.01%
ROE(5y)29.05%
ROIC(3y)8.16%
ROIC(5y)11%
ROICexc(3y)9.78%
ROICexc(5y)13.91%
ROICexgc(3y)84.72%
ROICexgc(5y)99.88%
ROCE(3y)10.34%
ROCE(5y)14.01%
ROICexgc growth 3Y-14.21%
ROICexgc growth 5Y-8.67%
ROICexc growth 3Y-20.48%
ROICexc growth 5Y-9.75%
OM growth 3Y-9.4%
OM growth 5Y-5.32%
PM growth 3Y-26.74%
PM growth 5Y-5.76%
GM growth 3Y-2.36%
GM growth 5Y-2.22%
F-Score7
Asset Turnover0.42
Health
Industry RankSector Rank
Debt/Equity 1.71
Debt/FCF 8.02
Debt/EBITDA 3.34
Cap/Depr 74.95%
Cap/Sales 9.82%
Interest Coverage 250
Cash Conversion 71.34%
Profit Quality 95.7%
Current Ratio 2.07
Quick Ratio 2.07
Altman-Z 1.94
F-Score7
WACC7.15%
ROIC/WACC1.1
Cap/Depr(3y)78.29%
Cap/Depr(5y)85.78%
Cap/Sales(3y)10.84%
Cap/Sales(5y)11.44%
Profit Quality(3y)140.95%
Profit Quality(5y)116.41%
High Growth Momentum
Growth
EPS 1Y (TTM)10.06%
EPS 3Y14.58%
EPS 5Y11.66%
EPS Q2Q%6.9%
EPS Next Y9.13%
EPS Next 2Y8.68%
EPS Next 3Y12.95%
EPS Next 5YN/A
Revenue 1Y (TTM)10.21%
Revenue growth 3Y14.64%
Revenue growth 5Y12.78%
Sales Q2Q%13.14%
Revenue Next Year11.43%
Revenue Next 2Y9.12%
Revenue Next 3Y8.96%
Revenue Next 5YN/A
EBIT growth 1Y21.47%
EBIT growth 3Y3.86%
EBIT growth 5Y6.78%
EBIT Next Year106.27%
EBIT Next 3Y34.52%
EBIT Next 5YN/A
FCF growth 1Y-21.05%
FCF growth 3Y-1.29%
FCF growth 5Y-2.08%
OCF growth 1Y-12.71%
OCF growth 3Y0.54%
OCF growth 5Y2.66%

EVERTEC INC / EVTC Fundamental Analysis 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 9.03%.