EVERTEC INC (EVTC) Stock Fundamental Analysis

NYSE:EVTC • PR30040P1032

26.26 USD
+0.02 (+0.08%)
At close: Feb 12, 2026
26.1707 USD
-0.09 (-0.34%)
After Hours: 2/12/2026, 8:04:00 PM
Overview Stock Chart Technical Analysis Fundamental Analysis Analyst Ratings Earnings Estimates Financials Ownership News
Fundamental Rating

6

EVTC gets a fundamental rating of 6 out of 10. The analysis compared the fundamentals against 96 industry peers in the Financial Services industry. EVTC has only an average score on both its financial health and profitability. EVTC is valued quite cheap, while showing a decent growth score. This is a good combination! With these ratings, EVTC could be worth investigating further for value investing!.


Dividend Valuation Growth Profitability Health

6

1. Profitability

1.1 Basic Checks

  • In the past year EVTC was profitable.
  • EVTC had a positive operating cash flow in the past year.
  • Each year in the past 5 years EVTC has been profitable.
  • 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 50M 100M 150M 200M 250M

1.2 Ratios

  • The Return On Assets of EVTC (6.80%) is better than 79.17% of its industry peers.
  • EVTC's Return On Equity of 22.01% is amongst the best of the industry. EVTC outperforms 85.42% of its industry peers.
  • EVTC has a Return On Invested Capital of 8.10%. This is in the better half of the industry: EVTC outperforms 76.04% 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 8.59%.
Industry RankSector 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%
EVTC Yearly ROA, ROE, ROICEVTC Yearly ROA, ROE, ROICYearly ROA, ROE, ROIC 2016 2017 2018 2019 2020 2021 2022 2023 2024 20 40 60

1.3 Margins

  • The Profit Margin of EVTC (16.17%) is better than 61.46% of its industry peers.
  • In the last couple of years the Profit Margin of EVTC has declined.
  • Looking at the Operating Margin, with a value of 21.49%, EVTC is in the better half of the industry, outperforming 70.83% of the companies in the same industry.
  • In the last couple of years the Operating Margin of EVTC has declined.
  • EVTC's Gross Margin of 49.81% is fine compared to the rest of the industry. EVTC outperforms 68.75% of its industry peers.
  • EVTC's Gross Margin has declined in the last couple of years.
Industry RankSector 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%
EVTC Yearly Profit, Operating, Gross MarginsEVTC Yearly Profit, Operating, Gross MarginsYearly Profit, Operating, Gross Margins 2016 2017 2018 2019 2020 2021 2022 2023 2024 10 20 30 40 50

More info and screens

ROAROEROICOperating and Profit MarginShow most profitable peers

6

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

2.2 Solvency

  • An Altman-Z score of 2.12 indicates that EVTC is not a great score, but indicates only limited risk for bankruptcy at the moment.
  • Looking at the Altman-Z score, with a value of 2.12, EVTC is in the better half of the industry, outperforming 78.13% of the companies in the same industry.
  • 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.
  • With a Debt to FCF ratio value of 7.44, EVTC perfoms like the industry average, outperforming 48.96% of the companies in the same industry.
  • EVTC has a Debt/Equity ratio of 1.60. This is a high value indicating a heavy dependency on external financing.
  • EVTC's Debt to Equity ratio of 1.60 is on the low side compared to the rest of the industry. EVTC is outperformed by 63.54% of its industry peers.
Industry RankSector Rank
Debt/Equity 1.6
Debt/FCF 7.44
Altman-Z 2.12
ROIC/WACC0.99
WACC8.16%
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 200M 400M 600M 800M

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.
  • The Current ratio of EVTC (2.91) is better than 84.38% of its industry peers.
  • A Quick Ratio of 2.91 indicates that EVTC has no problem at all paying its short term obligations.
  • The Quick ratio of EVTC (2.91) is better than 85.42% of its industry peers.
Industry RankSector Rank
Current Ratio 2.91
Quick Ratio 2.91
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 100M 200M 300M 400M 500M

More info and screens

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

5

3. Growth

3.1 Past

  • The Earnings Per Share has grown by an nice 17.16% 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.
  • Looking at the last year, EVTC shows a quite strong growth in Revenue. The Revenue has grown by 9.67% in the last year.
  • The Revenue has been growing by 11.65% on average over the past years. This is quite good.
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

  • EVTC is expected to show quite a strong growth in Earnings Per Share. In the coming years, the EPS will grow by 8.03% yearly.
  • EVTC is expected to show a small growth in Revenue. In the coming years, the Revenue will grow by 7.10% yearly.
EPS Next Y11.5%
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.
  • The Revenue growth rate is decreasing: in the next years the growth will be less than in the last years.
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 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 1 2 3 4

More info and screens

Find the best growth stocksShow best growing peers

8

4. Valuation

4.1 Price/Earnings Ratio

  • Based on the Price/Earnings ratio of 7.40, the valuation of EVTC can be described as very cheap.
  • EVTC's Price/Earnings ratio is rather cheap when compared to the industry. EVTC is cheaper than 84.38% of the companies in the same industry.
  • Compared to an average S&P500 Price/Earnings ratio of 27.67, EVTC is valued rather cheaply.
  • The Price/Forward Earnings ratio is 6.87, which indicates a rather cheap valuation of EVTC.
  • Based on the Price/Forward Earnings ratio, EVTC is valued cheaper than 80.21% of the companies 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 27.69.
Industry RankSector Rank
PE 7.4
Fwd PE 6.87
EVTC Price Earnings VS Forward Price EarningsEVTC Price Earnings VS Forward Price Earnings ChartPrice Earnings - Forward Price Earnings PE FPE 5 10 15 20 25

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 79.17% of the companies listed in the same industry.
  • 70.83% of the companies in the same industry are more expensive than EVTC, based on the Price/Free Cash Flow ratio.
Industry RankSector Rank
P/FCF 11.54
EV/EBITDA 7.47
EVTC Per share dataEVTC EPS, Sales, OCF, FCF, BookValue per sharePer Share Data Per Share 0 5 -5 10

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.
  • The decent profitability rating of EVTC may justify a higher PE ratio.
PEG (NY)0.64
PEG (5Y)0.68
EPS Next 2Y7.98%
EPS Next 3Y8.03%

More info and screens

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

5

5. Dividend

5.1 Amount

  • With a yearly dividend of 0.73%, EVTC is not a good candidate for dividend investing.
  • EVTC's Dividend Yield is comparable with the industry average which is at 2.03.
  • With a Dividend Yield of 0.73, EVTC pays less dividend than the S&P500 average, which is at 1.80.
Industry RankSector Rank
Dividend Yield 0.73%

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
EVTC Yearly Dividends per shareEVTC Yearly Dividends per shareYearly Dividends per share 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 0 0 0 0 0

5.3 Sustainability

  • EVTC pays out 8.74% 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.
DP8.74%
EPS Next 2Y7.98%
EPS Next 3Y8.03%
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 50M 100M 150M 200M
EVTC Dividend Payout.EVTC Dividend Payout, showing the Payout Ratio.EVTC Dividend Payout.PayoutRetained Earnings

More info and screens

Find the best dividend stocksShow peers with best dividend

EVERTEC INC

NYSE:EVTC (2/12/2026, 8:04:00 PM)

After market: 26.1707 -0.09 (-0.34%)

26.26

+0.02 (+0.08%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupFinancial Services
GICS IndustryFinancial Services
Earnings (Last)11-06
Earnings (Next)03-04
Inst Owners101.98%
Inst Owner Change-0.49%
Ins Owners0.73%
Ins Owner Change0%
Market Cap1.68B
Revenue(TTM)903.38M
Net Income(TTM)146.09M
Analysts78.33
Price Target33.46 (27.42%)
Short Float %2.8%
Short Ratio3.81
Dividend
Industry RankSector Rank
Dividend Yield 0.73%
Yearly Dividend0.2
Dividend Growth(5Y)0.01%
DP8.74%
Div Incr Years0
Div Non Decr Years6
Ex-DateN/A
Surprises & Revisions
EPS beat(2)2
Avg EPS beat(2)1.73%
Min EPS beat(2)1.53%
Max EPS beat(2)1.93%
EPS beat(4)4
Avg EPS beat(4)7.48%
Min EPS beat(4)1.53%
Max EPS beat(4)19.07%
EPS beat(8)7
Avg EPS beat(8)7.67%
EPS beat(12)10
Avg EPS beat(12)8.06%
EPS beat(16)12
Avg EPS beat(16)5.32%
Revenue beat(2)1
Avg Revenue beat(2)0.51%
Min Revenue beat(2)-0.26%
Max Revenue beat(2)1.27%
Revenue beat(4)2
Avg Revenue beat(4)0.61%
Min Revenue beat(4)-1.46%
Max Revenue beat(4)2.9%
Revenue beat(8)3
Avg Revenue beat(8)0.6%
Revenue beat(12)6
Avg Revenue beat(12)1.52%
Revenue beat(16)9
Avg Revenue beat(16)1.6%
PT rev (1m)0%
PT rev (3m)-15.03%
EPS NQ rev (1m)0%
EPS NQ rev (3m)6.93%
EPS NY rev (1m)0.37%
EPS NY rev (3m)2.83%
Revenue NQ rev (1m)0%
Revenue NQ rev (3m)3.86%
Revenue NY rev (1m)0%
Revenue NY rev (3m)2.03%
Valuation
Industry RankSector Rank
PE 7.4
Fwd PE 6.87
P/S 1.86
P/FCF 11.54
P/OCF 7.24
P/B 2.53
P/tB N/A
EV/EBITDA 7.47
EPS(TTM)3.55
EY13.52%
EPS(NY)3.82
Fwd EY14.56%
FCF(TTM)2.28
FCFY8.67%
OCF(TTM)3.63
OCFY13.82%
SpS14.12
BVpS10.37
TBVpS-8.81
PEG (NY)0.64
PEG (5Y)0.68
Graham Number28.79
Profitability
Industry RankSector Rank
ROA 6.8%
ROE 22.01%
ROCE 10.25%
ROIC 8.1%
ROICexc 10.81%
ROICexgc 80.44%
OM 21.49%
PM (TTM) 16.17%
GM 49.81%
FCFM 16.12%
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-Score6
Asset Turnover0.42
Health
Industry RankSector Rank
Debt/Equity 1.6
Debt/FCF 7.44
Debt/EBITDA 3.46
Cap/Depr 77.25%
Cap/Sales 9.58%
Interest Coverage 250
Cash Conversion 75.84%
Profit Quality 99.69%
Current Ratio 2.91
Quick Ratio 2.91
Altman-Z 2.12
F-Score6
WACC8.16%
ROIC/WACC0.99
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 Y11.5%
EPS Next 2Y7.98%
EPS Next 3Y8.03%
EPS Next 5YN/A
Revenue 1Y (TTM)9.67%
Revenue growth 3Y12.75%
Revenue growth 5Y11.65%
Sales Q2Q%7.93%
Revenue Next Year9.5%
Revenue Next 2Y7.56%
Revenue Next 3Y7.1%
Revenue Next 5YN/A
EBIT growth 1Y30.22%
EBIT growth 3Y-6.72%
EBIT growth 5Y2.24%
EBIT Next Year132.69%
EBIT Next 3Y37.89%
EBIT Next 5YN/A
FCF growth 1Y-2.91%
FCF growth 3Y2.05%
FCF growth 5Y7.42%
OCF growth 1Y1.87%
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.


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 8.74%.