EVERTEC INC (EVTC) Fundamental Analysis & Valuation

NYSE:EVTC • PR30040P1032

Current stock price

28.07 USD
+0.26 (+0.93%)
At close:
28.07 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

  • In the past year EVTC was profitable.
  • In the past year EVTC had a positive cash flow from operations.
  • Each year in the past 5 years EVTC has been profitable.
  • EVTC had a positive operating cash flow in each of the past 5 years.
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 83.00% 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.
  • Measured over the past 3 years, the Average Return On Invested Capital for EVTC is in line with the industry average of 8.10%.
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 better Profit Margin (15.20%) than 64.00% of its industry peers.
  • EVTC's Profit Margin has declined in the last couple of years.
  • With a decent Operating Margin value of 21.05%, EVTC is doing good in the industry, outperforming 71.00% of the companies in the same industry.
  • EVTC's Operating Margin has declined in the last couple of years.
  • EVTC's Gross Margin of 49.65% is fine compared to the rest of the industry. EVTC outperforms 70.00% of its industry peers.
  • In the last couple of years the Gross Margin of EVTC has declined.
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

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6

2. EVTC Health Analysis

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.
  • Compared to 5 years ago, EVTC has less shares outstanding
  • The debt/assets ratio for EVTC has been reduced compared to a year ago.
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.
  • With a decent Altman-Z score value of 1.94, EVTC is doing good in the industry, outperforming 78.00% of the companies in the same industry.
  • The Debt to FCF ratio of EVTC is 8.02, which is on the high side as it means it would take EVTC, 8.02 years of fcf income to pay off all of its debts.
  • EVTC has a Debt to FCF ratio (8.02) which is in line with its industry peers.
  • EVTC has a Debt/Equity ratio of 1.71. This is a high value indicating a heavy dependency on external financing.
  • EVTC has a Debt to Equity ratio of 1.71. This is in the lower half of the industry: EVTC underperforms 64.00% of its industry peers.
Industry RankSector Rank
Debt/Equity 1.71
Debt/FCF 8.02
Altman-Z 1.94
ROIC/WACC1.1
WACC7.13%
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.
  • EVTC has a better Current ratio (2.07) than 78.00% of its industry peers.
  • 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.
  • Measured over the past years, EVTC shows a quite strong growth in Earnings Per Share. The EPS has been growing by 11.66% on average per year.
  • EVTC shows quite a strong growth in Revenue. In the last year, the Revenue has grown by 10.21%.
  • 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

  • Based on estimates for the next years, EVTC will show a quite strong growth in Earnings Per Share. The EPS will grow by 12.95% on average per year.
  • Based on estimates for the next years, EVTC will show a quite strong growth in Revenue. The Revenue will grow by 8.96% on average per year.
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

  • The EPS growth rate is stable: in the next years the growth will be about the same 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 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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8

4. EVTC Valuation Analysis

4.1 Price/Earnings Ratio

  • With a Price/Earnings ratio of 7.78, the valuation of EVTC can be described as very cheap.
  • Based on the Price/Earnings ratio, EVTC is valued a bit cheaper than the industry average as 71.00% of the companies are valued more expensively.
  • When comparing the Price/Earnings ratio of EVTC to the average of the S&P500 Index (26.17), we can say EVTC is valued rather cheaply.
  • Based on the Price/Forward Earnings ratio of 7.13, the valuation of EVTC can be described as very cheap.
  • 73.00% of the companies in the same industry are more expensive than EVTC, based on the Price/Forward Earnings ratio.
  • When comparing the Price/Forward Earnings ratio of EVTC to the average of the S&P500 Index (23.05), we can say EVTC is valued rather cheaply.
Industry RankSector Rank
PE 7.78
Fwd PE 7.13
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

  • Based on the Enterprise Value to EBITDA ratio, EVTC is valued a bit cheaper than the industry average as 75.00% of the companies are valued more expensively.
  • 69.00% 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 12.79
EV/EBITDA 7.87
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

  • The 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.
  • EVTC's earnings are expected to grow with 12.95% in the coming years. This may justify a more expensive valuation.
PEG (NY)0.85
PEG (5Y)0.67
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 0.73%, which is pretty low.
  • EVTC's Dividend Yield is comparable with the industry average which is at 2.20.
  • Compared to an average S&P500 Dividend Yield of 1.89, EVTC's dividend is way lower than the S&P500 average.
Industry RankSector Rank
Dividend Yield 0.73%

5.2 History

  • The dividend of EVTC has a limited annual growth rate of 0.40%.
  • 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)0.4%
Div Incr Years0
Div Non Decr Years7
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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EVTC Fundamentals: All Metrics, Ratios and Statistics

EVERTEC INC

NYSE:EVTC (4/2/2026, 8:21:39 PM)

After market: 28.07 0 (0%)

28.07

+0.26 (+0.93%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupFinancial Services
GICS IndustryFinancial Services
Earnings (Last)02-26
Earnings (Next)04-23
Inst Owners102.1%
Inst Owner Change0%
Ins Owners0.75%
Ins Owner Change19.25%
Market Cap1.73B
Revenue(TTM)931.82M
Net Income(TTM)141.59M
Analysts78.33
Price Target33.25 (18.45%)
Short Float %2.87%
Short Ratio3.37
Dividend
Industry RankSector Rank
Dividend Yield 0.73%
Yearly Dividend0.2
Dividend Growth(5Y)0.4%
DP9.03%
Div Incr Years0
Div Non Decr Years7
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)-0.61%
PT rev (3m)-0.61%
EPS NQ rev (1m)0.55%
EPS NQ rev (3m)2.22%
EPS NY rev (1m)0%
EPS NY rev (3m)3.01%
Revenue NQ rev (1m)0.73%
Revenue NQ rev (3m)4.16%
Revenue NY rev (1m)1.65%
Revenue NY rev (3m)5.68%
Valuation
Industry RankSector Rank
PE 7.78
Fwd PE 7.13
P/S 1.86
P/FCF 12.79
P/OCF 7.64
P/B 2.79
P/tB N/A
EV/EBITDA 7.87
EPS(TTM)3.61
EY12.86%
EPS(NY)3.94
Fwd EY14.03%
FCF(TTM)2.19
FCFY7.82%
OCF(TTM)3.68
OCFY13.09%
SpS15.09
BVpS10.06
TBVpS-13.33
PEG (NY)0.85
PEG (5Y)0.67
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
WACC7.13%
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.


Can you provide the profitability details for EVERTEC INC?

EVERTEC INC (EVTC) has a profitability rating of 6 / 10.


What is the valuation of EVERTEC INC based on its PE and PB ratios?

The Price/Earnings (PE) ratio for EVERTEC INC (EVTC) is 7.78 and the Price/Book (PB) ratio is 2.79.


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 9.13% in the next year.