EVERTEC INC (EVTC) Fundamental Analysis & Valuation

NYSE:EVTC • PR30040P1032

28.54 USD
-0.16 (-0.56%)
At close: Mar 6, 2026
28.54 USD
0 (0%)
After Hours: 3/6/2026, 8:14:41 PM
Overview Stock Chart Technical Analysis Fundamental Analysis Forecast Earnings Financials Ownership News

This EVTC fundamental analysis includes valuation metrics, fair value assessment, financial health analysis, profitability trends, growth metrics and dividend sustainability analysis.

Fundamental Rating

6

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. This makes EVTC very considerable for value investing!


Dividend Valuation Growth Profitability Health

6

1. EVTC Profitability Analysis

1.1 Basic Checks

  • EVTC had positive earnings in the past year.
  • EVTC had a positive operating cash flow in the past year.
  • Of the past 5 years EVTC 4 years were profitable.
  • EVTC had a positive operating cash flow in 4 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 50M 100M 150M 200M 250M

1.2 Ratios

  • With an excellent Return On Assets value of 6.80%, EVTC belongs to the best of the industry, outperforming 81.44% of the companies in the same industry.
  • The Return On Equity of EVTC (22.01%) is better than 86.60% of its industry peers.
  • With a decent Return On Invested Capital value of 8.10%, EVTC is doing good in the industry, outperforming 76.29% of the companies in the same industry.
  • EVTC had an Average Return On Invested Capital over the past 3 years of 10.42%. This is above the industry average of 8.35%.
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 64.95% of its industry peers.
  • EVTC's Profit Margin has declined in the last couple of years.
  • With a decent Operating Margin value of 21.49%, EVTC is doing good in the industry, outperforming 71.13% of the companies in the same industry.
  • In the last couple of years the Operating Margin of EVTC has declined.
  • Looking at the Gross Margin, with a value of 49.81%, EVTC is in the better half of the industry, outperforming 69.07% of the companies in the same industry.
  • In the last couple of years the Gross Margin of EVTC has declined.
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

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5

2. EVTC Health Analysis

2.1 Basic Checks

  • With a Return on Invested Capital (ROIC) just above the Cost of Capital (WACC), EVTC is creating some value.
  • EVTC has no outstanding debt. Therefor its Debt/Equity and Debt/FCF ratios are 0 and belong to the best of the industry.
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 2.16 indicates that EVTC is not a great score, but indicates only limited risk for bankruptcy at the moment.
  • EVTC has a better Altman-Z score (2.16) than 79.38% of its industry peers.
  • The Debt to FCF ratio of EVTC is 7.44, which is on the high side as it means it would take EVTC, 7.44 years of fcf income to pay off all of its debts.
  • EVTC has a Debt to FCF ratio of 7.44. This is comparable to the rest of the industry: EVTC outperforms 48.45% of its industry peers.
  • A Debt/Equity ratio of 1.60 is on the high side and indicates that EVTC has dependencies on debt financing.
  • EVTC has a worse Debt to Equity ratio (1.60) than 63.92% of its industry peers.
Industry RankSector Rank
Debt/Equity 1.6
Debt/FCF 7.44
Altman-Z 2.16
ROIC/WACC1.03
WACC7.84%
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

  • A Current Ratio of 2.91 indicates that EVTC has no problem at all paying its short term obligations.
  • EVTC has a better Current ratio (2.91) than 84.54% of its industry peers.
  • A Quick Ratio of 2.91 indicates that EVTC has no problem at all paying its short term obligations.
  • Looking at the Quick ratio, with a value of 2.91, EVTC belongs to the top of the industry, outperforming 84.54% of the companies in the same industry.
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

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

4

3. EVTC Growth Analysis

3.1 Past

  • EVTC shows a strong growth in Earnings Per Share. In the last year, the EPS has been growing by 10.06%, 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 11.66% on average per year.
EPS 1Y (TTM)10.06%
EPS 3Y14.58%
EPS 5Y11.66%
EPS Q2Q%6.9%
Revenue 1Y (TTM)N/A
Revenue growth 3YN/A
Revenue growth 5YN/A
Sales Q2Q%13.14%

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 12.95% yearly.
  • Based on estimates for the next years, EVTC will show a quite strong growth in Revenue. The Revenue will grow by 10.46% on average per year.
EPS Next Y9.13%
EPS Next 2Y8.68%
EPS Next 3Y12.95%
EPS Next 5YN/A
Revenue Next Year9.63%
Revenue Next 2Y8.19%
Revenue Next 3Y10.46%
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.
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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Find the best growth stocksShow best growing peers

8

4. EVTC Valuation Analysis

4.1 Price/Earnings Ratio

  • Based on the Price/Earnings ratio of 7.91, the valuation of EVTC can be described as very cheap.
  • Compared to the rest of the industry, the Price/Earnings ratio of EVTC indicates a somewhat cheap valuation: EVTC is cheaper than 71.13% of the companies listed in the same industry.
  • Compared to an average S&P500 Price/Earnings ratio of 26.29, EVTC is valued rather cheaply.
  • EVTC is valuated cheaply with a Price/Forward Earnings ratio of 7.24.
  • Based on the Price/Forward Earnings ratio, EVTC is valued a bit cheaper than 75.26% of the companies in the same industry.
  • Compared to an average S&P500 Price/Forward Earnings ratio of 24.57, EVTC is valued rather cheaply.
Industry RankSector Rank
PE 7.91
Fwd PE 7.24
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

  • EVTC's Enterprise Value to EBITDA ratio is a bit cheaper when compared to the industry. EVTC is cheaper than 75.26% of the companies in the same industry.
  • EVTC's Price/Free Cash Flow ratio is a bit cheaper when compared to the industry. EVTC is cheaper than 69.07% of the companies in the same industry.
Industry RankSector Rank
P/FCF 12.1
EV/EBITDA 7.78
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.
  • 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)0.87
PEG (5Y)0.68
EPS Next 2Y8.68%
EPS Next 3Y12.95%

More info and screens

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

5

5. EVTC Dividend Analysis

5.1 Amount

  • With a yearly dividend of 0.70%, EVTC is not a good candidate for dividend investing.
  • Compared to an average industry Dividend Yield of 2.29, EVTC has a dividend in line with its industry peers.
  • With a Dividend Yield of 0.70, EVTC pays less dividend than the S&P500 average, which is at 1.82.
Industry RankSector Rank
Dividend Yield 0.7%

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
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 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 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 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

EVTC Fundamentals: All Metrics, Ratios and Statistics

EVERTEC INC

NYSE:EVTC (3/6/2026, 8:14:41 PM)

After market: 28.54 0 (0%)

28.54

-0.16 (-0.56%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupFinancial Services
GICS IndustryFinancial Services
Earnings (Last)02-26
Earnings (Next)05-05
Inst Owners102.1%
Inst Owner Change-2.15%
Ins Owners0.75%
Ins Owner Change0%
Market Cap1.76B
Revenue(TTM)N/A
Net Income(TTM)146.09M
Analysts78.33
Price Target33.46 (17.24%)
Short Float %2.75%
Short Ratio3.66
Dividend
Industry RankSector Rank
Dividend Yield 0.7%
Yearly Dividend0.2
Dividend Growth(5Y)0.01%
DP8.74%
Div Incr Years0
Div Non Decr Years6
Ex-Date03-02
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)0%
EPS NQ rev (1m)-1.44%
EPS NQ rev (3m)-0.34%
EPS NY rev (1m)0.05%
EPS NY rev (3m)2.83%
Revenue NQ rev (1m)0%
Revenue NQ rev (3m)0%
Revenue NY rev (1m)0%
Revenue NY rev (3m)2.03%
Valuation
Industry RankSector Rank
PE 7.91
Fwd PE 7.24
P/S 1.95
P/FCF 12.1
P/OCF 7.59
P/B 2.66
P/tB N/A
EV/EBITDA 7.78
EPS(TTM)3.61
EY12.65%
EPS(NY)3.94
Fwd EY13.8%
FCF(TTM)2.36
FCFY8.26%
OCF(TTM)3.76
OCFY13.17%
SpS14.63
BVpS10.75
TBVpS-9.13
PEG (NY)0.87
PEG (5Y)0.68
Graham Number29.55
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 2.16
F-Score6
WACC7.84%
ROIC/WACC1.03
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)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)N/A
Revenue growth 3YN/A
Revenue growth 5YN/A
Sales Q2Q%13.14%
Revenue Next Year9.63%
Revenue Next 2Y8.19%
Revenue Next 3Y10.46%
Revenue Next 5YN/A
EBIT growth 1Y30.22%
EBIT growth 3Y-6.72%
EBIT growth 5Y2.24%
EBIT Next Year131.55%
EBIT Next 3Y40.48%
EBIT Next 5Y32.13%
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 5 / 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%.