EVERTEC INC (EVTC) Stock Fundamental Analysis
USA - NYSE:EVTC - PR30040P1032 - Common Stock
30.72 USD
-0.31 (-1%)
Taking everything into account, EVTC scores 6 out of 10 in our fundamental rating. EVTC was compared to 99 industry peers in the Financial Services industry. Both the profitability and the financial health of EVTC get a neutral evaluation. Nothing too spectacular is happening here. EVTC has a correct valuation and a medium growth rate.
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.
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.
1.2 Ratios
EVTC has a Return On Assets of 7.03%. This is amongst the best in the industry. EVTC outperforms 82.83% of its industry peers.
EVTC's Return On Equity of 22.52% is amongst the best of the industry. EVTC outperforms 85.86% of its industry peers.
The Return On Invested Capital of EVTC (8.88%) is better than 78.79% 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 7.79%.
| 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
Looking at the Profit Margin, with a value of 15.55%, EVTC is in the better half of the industry, outperforming 67.68% of the companies in the same industry.
EVTC's Profit Margin has declined in the last couple of years.
EVTC has a Operating Margin of 21.59%. This is in the better half of the industry: EVTC outperforms 68.69% of its industry peers.
EVTC's Operating Margin has declined in the last couple of years.
Looking at the Gross Margin, with a value of 51.37%, EVTC is in the better half of the industry, outperforming 68.69% 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
EVTC has a Return on Invested Capital (ROIC), which is just above the Cost of Capital (WACC), which means it is creating some value.
The number of shares outstanding for EVTC has been reduced compared to 1 year ago.
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
EVTC has an Altman-Z score of 2.32. 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.
EVTC's Altman-Z score of 2.32 is fine compared to the rest of the industry. EVTC outperforms 78.79% 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.
Looking at the Debt to FCF ratio, with a value of 6.68, EVTC is in the better half of the industry, outperforming 61.62% of the companies in the same industry.
A Debt/Equity ratio of 1.49 is on the high side and indicates that EVTC has dependencies on debt financing.
The Debt to Equity ratio of EVTC (1.49) is worse than 61.62% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 1.49 | ||
| Debt/FCF | 6.68 | ||
| Altman-Z | 2.32 |
ROIC/WACC1.25
WACC7.13%
2.3 Liquidity
A Current Ratio of 2.20 indicates that EVTC has no problem at all paying its short term obligations.
EVTC has a Current ratio of 2.20. This is in the better half of the industry: EVTC outperforms 74.75% 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 75.76% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | 2.2 | ||
| Quick Ratio | 2.2 |
3. Growth
3.1 Past
The Earnings Per Share has grown by an nice 17.51% over the past year.
EVTC shows quite a strong growth in Earnings Per Share. Measured over the last years, the EPS has been growing by 10.85% yearly.
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
Based on estimates for the next years, EVTC will show a small growth in Earnings Per Share. The EPS will grow by 7.04% on average per year.
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
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.
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
EVTC is valuated reasonably with a Price/Earnings ratio of 8.80.
76.77% of the companies in the same industry are more expensive than EVTC, based on the Price/Earnings ratio.
Compared to an average S&P500 Price/Earnings ratio of 26.89, EVTC is valued rather cheaply.
Based on the Price/Forward Earnings ratio of 8.26, the valuation of EVTC can be described as reasonable.
65.66% of the companies in the same industry are more expensive than EVTC, based on the Price/Forward Earnings ratio.
EVTC's Price/Forward Earnings ratio indicates a rather cheap valuation when compared to the S&P500 average which is at 22.99.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 8.8 | ||
| Fwd PE | 8.26 |
4.2 Price Multiples
78.79% 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 the industry average as 68.69% of the companies are valued more expensively.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 13.99 | ||
| EV/EBITDA | 8.53 |
4.3 Compensation for Growth
The PEG Ratio(NY), which compensates the Price/Earnings for growth, indicates a correct valuation of the company.
EVTC has a very decent profitability rating, which may justify a higher PE ratio.
PEG (NY)1.04
PEG (5Y)0.81
EPS Next 2Y6.51%
EPS Next 3Y7.04%
5. Dividend
5.1 Amount
EVTC has a yearly dividend return of 0.64%, which is pretty low.
Compared to an average industry Dividend Yield of 5.13, EVTC has a dividend in line with its industry peers.
With a Dividend Yield of 0.64, EVTC pays less dividend than the S&P500 average, which is at 2.31.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 0.64% |
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
5.3 Sustainability
9.25% of the earnings are spent on dividend by EVTC. This is a low number and 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 (10/27/2025, 1:39:04 PM)
30.72
-0.31 (-1%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupFinancial Services
GICS IndustryFinancial Services
Earnings (Last)
Earnings (Next)
Inst Owners102.11%
Inst Owner Change-0.11%
Ins Owners0.73%
Ins Owner Change-3.96%
Market Cap1.97B
Revenue(TTM)886.59M
Net Income(TTM)137.91M
Analysts78.33
Price Target39.37 (28.16%)
Short Float %2.37%
Short Ratio4.46
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 0.64% |
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)1.87%
EPS NY rev (1m)0%
EPS NY rev (3m)2%
Revenue NQ rev (1m)0%
Revenue NQ rev (3m)1.65%
Revenue NY rev (1m)0%
Revenue NY rev (3m)1.25%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 8.8 | ||
| Fwd PE | 8.26 | ||
| P/S | 2.22 | ||
| P/FCF | 13.99 | ||
| P/OCF | 9.15 | ||
| P/B | 3.21 | ||
| P/tB | N/A | ||
| EV/EBITDA | 8.53 |
EPS(TTM)3.49
EY11.36%
EPS(NY)3.72
Fwd EY12.11%
FCF(TTM)2.2
FCFY7.15%
OCF(TTM)3.36
OCFY10.93%
SpS13.86
BVpS9.57
TBVpS-9.47
PEG (NY)1.04
PEG (5Y)0.81
Graham Number27.41
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 | 2.32 |
F-Score8
WACC7.13%
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)17.51%
EPS 3Y6.18%
EPS 5Y10.85%
EPS Q2Q%7.23%
EPS Next Y8.43%
EPS Next 2Y6.51%
EPS Next 3Y7.04%
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%
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 6 / 10 to EVERTEC INC (EVTC). This can be considered as Fairly Valued.
How profitable is EVERTEC INC (EVTC) stock?
EVERTEC INC (EVTC) has a profitability rating of 6 / 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%.