EVERTEC INC (EVTC) Stock Fundamental Analysis
USA - NYSE:EVTC - PR30040P1032 - Common Stock
33.67 USD
-0.16 (-0.47%)
EVTC gets a fundamental rating of 6 out of 10. The analysis compared the fundamentals against 101 industry peers in the Financial Services industry. EVTC has an average financial health and profitability rating. EVTC is not valued too expensively and it also shows a decent growth rate.
1. Profitability
1.1 Basic Checks
In the past year EVTC was profitable.
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.
1.2 Ratios
EVTC's Return On Assets of 7.03% is amongst the best of the industry. EVTC outperforms 83.17% of its industry peers.
EVTC has a better Return On Equity (22.52%) than 86.14% of its industry peers.
Looking at the Return On Invested Capital, with a value of 8.88%, EVTC is in the better half of the industry, outperforming 79.21% 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 7.65%.
| 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 66.34% of the companies in the same industry.
In the last couple of years the Profit Margin of EVTC has declined.
The Operating Margin of EVTC (21.59%) is better than 67.33% of its industry peers.
In the last couple of years the Operating Margin of EVTC has declined.
The Gross Margin of EVTC (51.37%) is better than 67.33% of its industry peers.
In the last couple of years the Gross Margin of EVTC has declined.
| 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
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
The number of shares outstanding for EVTC has been reduced compared to 5 years ago.
EVTC has a worse debt/assets ratio than last year.
2.2 Solvency
An Altman-Z score of 2.40 indicates that EVTC is not a great score, but indicates only limited risk for bankruptcy at the moment.
EVTC's Altman-Z score of 2.40 is amongst the best of the industry. EVTC outperforms 80.20% of its industry peers.
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.
The Debt to FCF ratio of EVTC (6.68) is better than 63.37% of its industry peers.
EVTC has a Debt/Equity ratio of 1.49. This is a high value indicating a heavy dependency on external financing.
Looking at the Debt to Equity ratio, with a value of 1.49, EVTC is doing worse than 60.40% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 1.49 | ||
| Debt/FCF | 6.68 | ||
| Altman-Z | 2.4 |
ROIC/WACC1.15
WACC7.7%
2.3 Liquidity
EVTC has a Current Ratio of 2.20. This indicates that EVTC is financially healthy and has no problem in meeting its short term obligations.
EVTC has a Current ratio of 2.20. This is in the better half of the industry: EVTC outperforms 78.22% of its industry peers.
A Quick Ratio of 2.20 indicates that EVTC has no problem at all paying its short term obligations.
With a decent Quick ratio value of 2.20, EVTC is doing good in the industry, outperforming 79.21% of the companies in the same industry.
| 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 17.51%, 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 12.92%.
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)17.51%
EPS 3Y6.18%
EPS 5Y10.85%
EPS Q2Q%7.23%
Revenue 1Y (TTM)12.92%
Revenue growth 3Y12.75%
Revenue growth 5Y11.65%
Sales Q2Q%8.32%
3.2 Future
EVTC is expected to show a small growth in Earnings Per Share. In the coming years, the EPS will grow by 7.14% yearly.
The Revenue is expected to grow by 6.00% on average over the next years.
EPS Next Y8.43%
EPS Next 2Y6.51%
EPS Next 3Y7.14%
EPS Next 5YN/A
Revenue Next Year7.32%
Revenue Next 2Y6.07%
Revenue Next 3Y6%
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 decreasing.
The Revenue growth rate is decreasing: in the next years the growth will be less than in the last years.
4. Valuation
4.1 Price/Earnings Ratio
The Price/Earnings ratio is 9.65, which indicates a very decent valuation of EVTC.
Based on the Price/Earnings ratio, EVTC is valued a bit cheaper than the industry average as 74.26% of the companies are valued more expensively.
Compared to an average S&P500 Price/Earnings ratio of 27.41, EVTC is valued rather cheaply.
EVTC is valuated reasonably with a Price/Forward Earnings ratio of 9.05.
Compared to the rest of the industry, the Price/Forward Earnings ratio of EVTC indicates a somewhat cheap valuation: EVTC is cheaper than 67.33% of the companies listed in the same industry.
The average S&P500 Price/Forward Earnings ratio is at 22.88. EVTC is valued rather cheaply when compared to this.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 9.65 | ||
| Fwd PE | 9.05 |
4.2 Price Multiples
77.23% of the companies in the same industry are more expensive than EVTC, based on the Enterprise Value to EBITDA ratio.
68.32% of the companies in the same industry are more expensive than EVTC, based on the Price/Free Cash Flow ratio.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 15.34 | ||
| EV/EBITDA | 9.11 |
4.3 Compensation for Growth
EVTC's PEG Ratio(NY), which compensates the Price/Earnings for growth, indicates a correct valuation of the company.
The decent profitability rating of EVTC may justify a higher PE ratio.
PEG (NY)1.14
PEG (5Y)0.89
EPS Next 2Y6.51%
EPS Next 3Y7.14%
5. Dividend
5.1 Amount
EVTC has a yearly dividend return of 0.58%, which is pretty low.
EVTC's Dividend Yield is comparable with the industry average which is at 4.86.
Compared to an average S&P500 Dividend Yield of 2.38, EVTC's dividend is way lower than the S&P500 average.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 0.58% |
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.
EVTC's earnings are growing more than its dividend. This makes the dividend growth sustainable.
DP9.25%
EPS Next 2Y6.51%
EPS Next 3Y7.14%
NYSE:EVTC (9/19/2025, 12:11:27 PM)
33.67
-0.16 (-0.47%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupFinancial Services
GICS IndustryFinancial Services
Earnings (Last)
Earnings (Next)
Inst Owners102.26%
Inst Owner Change0.04%
Ins Owners0.73%
Ins Owner Change-3.96%
Market Cap2.15B
Analysts78.33
Price Target39.37 (16.93%)
Short Float %2.44%
Short Ratio4.63
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 0.58% |
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)1.83%
EPS NY rev (1m)2%
EPS NY rev (3m)2.06%
Revenue NQ rev (1m)0%
Revenue NQ rev (3m)1.47%
Revenue NY rev (1m)1.25%
Revenue NY rev (3m)1.25%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 9.65 | ||
| Fwd PE | 9.05 | ||
| P/S | 2.43 | ||
| P/FCF | 15.34 | ||
| P/OCF | 10.03 | ||
| P/B | 3.52 | ||
| P/tB | N/A | ||
| EV/EBITDA | 9.11 |
EPS(TTM)3.49
EY10.37%
EPS(NY)3.72
Fwd EY11.05%
FCF(TTM)2.2
FCFY6.52%
OCF(TTM)3.36
OCFY9.97%
SpS13.86
BVpS9.57
TBVpS-9.47
PEG (NY)1.14
PEG (5Y)0.89
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%
ROICexcg growth 3Y-12.99%
ROICexcg 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 | 2.4 |
F-Score8
WACC7.7%
ROIC/WACC1.15
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)17.51%
EPS 3Y6.18%
EPS 5Y10.85%
EPS Q2Q%7.23%
EPS Next Y8.43%
EPS Next 2Y6.51%
EPS Next 3Y7.14%
EPS Next 5YN/A
Revenue 1Y (TTM)12.92%
Revenue growth 3Y12.75%
Revenue growth 5Y11.65%
Sales Q2Q%8.32%
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%