EVERTEC INC (EVTC) Stock Fundamental Analysis
USA • New York Stock Exchange • NYSE:EVTC • PR30040P1032
30.01 USD
+0.76 (+2.6%)
At close: Jan 30, 2026
30.01 USD
0 (0%)
After Hours: 1/30/2026, 8:04:00 PM
Taking everything into account, EVTC scores 6 out of 10 in our fundamental rating. EVTC was compared to 97 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 scores decently on growth, while it is valued quite cheap. This could make an interesting combination. These ratings would make EVTC suitable for value investing!
1. Profitability
1.1 Basic Checks
- In the past year EVTC was profitable.
- EVTC had a positive operating cash flow in the past year.
- 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 has a Return On Assets of 6.80%. This is amongst the best in the industry. EVTC outperforms 80.41% of its industry peers.
- EVTC's Return On Equity of 22.01% is amongst the best of the industry. EVTC outperforms 85.57% of its industry peers.
- EVTC has a better Return On Invested Capital (8.10%) than 76.29% of its industry peers.
- Measured over the past 3 years, the Average Return On Invested Capital for EVTC is in line with the industry average of 8.46%.
| Industry Rank | Sector 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%
1.3 Margins
- The Profit Margin of EVTC (16.17%) is better than 61.86% of its industry peers.
- EVTC's Profit Margin has declined in the last couple of years.
- The Operating Margin of EVTC (21.49%) is better than 71.13% of its industry peers.
- In the last couple of years the Operating Margin of EVTC has declined.
- The Gross Margin of EVTC (49.81%) is better than 68.04% of its industry peers.
- In the last couple of years the Gross Margin of EVTC has declined.
| Industry Rank | Sector 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%
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.
- The number of shares outstanding for EVTC has been reduced compared to 5 years ago.
- The debt/assets ratio for EVTC is higher compared to a year ago.
2.2 Solvency
- EVTC has an Altman-Z score of 2.20. 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.
- The Altman-Z score of EVTC (2.20) is better than 78.35% 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.
- The Debt to FCF ratio of EVTC (7.44) is comparable to the rest of the industry.
- EVTC has a Debt/Equity ratio of 1.60. This is a high value indicating a heavy dependency on external financing.
- Looking at the Debt to Equity ratio, with a value of 1.60, EVTC is doing worse than 63.92% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 1.6 | ||
| Debt/FCF | 7.44 | ||
| Altman-Z | 2.2 |
ROIC/WACC1.03
WACC7.9%
2.3 Liquidity
- EVTC has a Current Ratio of 2.91. This indicates that EVTC is financially healthy and has no problem in meeting its short term obligations.
- EVTC's Current ratio of 2.91 is amongst the best of the industry. EVTC outperforms 84.54% 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.
- EVTC has a better Quick ratio (2.91) than 85.57% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | 2.91 | ||
| Quick Ratio | 2.91 |
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.
- 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 9.67%.
- 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
- Based on estimates for the next years, EVTC will show a quite strong growth in Earnings Per Share. The EPS will grow by 8.03% on average per year.
- The Revenue is expected to grow by 7.10% on average over the next years.
EPS Next Y11.44%
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.
4. Valuation
4.1 Price/Earnings Ratio
- Based on the Price/Earnings ratio of 8.45, the valuation of EVTC can be described as reasonable.
- EVTC's Price/Earnings ratio is a bit cheaper when compared to the industry. EVTC is cheaper than 76.29% of the companies in the same industry.
- EVTC's Price/Earnings ratio indicates a rather cheap valuation when compared to the S&P500 average which is at 28.30.
- Based on the Price/Forward Earnings ratio of 7.85, the valuation of EVTC can be described as very cheap.
- 74.23% of the companies in the same industry are more expensive than EVTC, based on the Price/Forward Earnings ratio.
- EVTC is valuated cheaply when we compare the Price/Forward Earnings ratio to 25.57, which is the current average of the S&P500 Index.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 8.45 | ||
| Fwd PE | 7.85 |
4.2 Price Multiples
- Compared to the rest of the industry, the Enterprise Value to EBITDA ratio of EVTC indicates a somewhat cheap valuation: EVTC is cheaper than 74.23% of the companies listed in the same industry.
- Compared to the rest of the industry, the Price/Free Cash Flow ratio of EVTC indicates a somewhat cheap valuation: EVTC is cheaper than 71.13% of the companies listed in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 13.18 | ||
| EV/EBITDA | 8.1 |
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.
- The decent profitability rating of EVTC may justify a higher PE ratio.
PEG (NY)0.74
PEG (5Y)0.78
EPS Next 2Y7.98%
EPS Next 3Y8.03%
5. Dividend
5.1 Amount
- With a yearly dividend of 0.68%, EVTC is not a good candidate for dividend investing.
- Compared to an average industry Dividend Yield of 2.10, EVTC has a dividend in line with its industry peers.
- With a Dividend Yield of 0.68, EVTC pays less dividend than the S&P500 average, which is at 1.82.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 0.68% |
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 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%
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 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 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%.