EVERTEC INC (EVTC) Stock Fundamental Analysis

USA • New York Stock Exchange • NYSE:EVTC • PR30040P1032

27.02 USD
-0.35 (-1.28%)
At close: Feb 6, 2026
27.02 USD
0 (0%)
After Hours: 2/6/2026, 8:04:00 PM
Overview Stock Chart Technical Analysis Fundamental Analysis Analyst Ratings Earnings Estimates Financials Ownership News
Fundamental Rating

6

Overall EVTC gets a fundamental rating of 6 out of 10. We evaluated EVTC against 96 industry peers in the Financial Services industry. EVTC has only an average score on both its financial health and profitability. A decent growth rate in combination with a cheap valuation! Better keep an eye on EVTC. These ratings could make EVTC a good candidate for value investing.


Dividend Valuation Growth Profitability Health

6

1. Profitability

1.1 Basic Checks

  • EVTC had positive earnings in the past year.
  • EVTC had a positive operating cash flow in the past year.
  • In the past 5 years EVTC has always 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

  • Looking at the Return On Assets, with a value of 6.80%, EVTC is in the better half of the industry, outperforming 79.17% of the companies in the same industry.
  • With an excellent Return On Equity value of 22.01%, EVTC belongs to the best of the industry, outperforming 85.42% of the companies in the same industry.
  • The Return On Invested Capital of EVTC (8.10%) is better than 76.04% of its industry peers.
  • EVTC had an Average Return On Invested Capital over the past 3 years of 10.42%. This is in line with the industry average of 8.60%.
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

  • EVTC has a Profit Margin of 16.17%. This is in the better half of the industry: EVTC outperforms 61.46% of its industry peers.
  • EVTC's Profit Margin has declined in the last couple of years.
  • EVTC's Operating Margin of 21.49% is fine compared to the rest of the industry. EVTC outperforms 70.83% of its industry peers.
  • In the last couple of years the Operating Margin of EVTC has declined.
  • EVTC has a better Gross Margin (49.81%) than 68.75% of its industry peers.
  • 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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ROAROEROICOperating and Profit MarginShow most profitable peers

6

2. Health

2.1 Basic Checks

  • With a Return on Invested Capital (ROIC) just above the Cost of Capital (WACC), EVTC is creating some value.
  • Compared to 1 year ago, EVTC has less shares outstanding
  • EVTC has less shares outstanding than it did 5 years ago.
  • Compared to 1 year ago, EVTC has a worse debt to assets ratio.
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

  • EVTC has an Altman-Z score of 2.14. 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 (2.14) is better than 78.13% 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.
  • EVTC's Debt to FCF ratio of 7.44 is in line compared to the rest of the industry. EVTC outperforms 47.92% 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.
  • The Debt to Equity ratio of EVTC (1.60) is worse than 63.54% of its industry peers.
Industry RankSector Rank
Debt/Equity 1.6
Debt/FCF 7.44
Altman-Z 2.14
ROIC/WACC0.99
WACC8.21%
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.
  • EVTC has a better Current ratio (2.91) than 84.38% 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.
  • 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

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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.
  • The Earnings Per Share has been growing by 10.85% on average over the past years. This is quite good.
  • 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.
  • The Revenue is expected to grow by 7.10% on average over the next years.
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.
  • 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.
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

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Find the best growth stocksShow best growing peers

8

4. Valuation

4.1 Price/Earnings Ratio

  • With a Price/Earnings ratio of 7.61, the valuation of EVTC can be described as very cheap.
  • 82.29% of the companies in the same industry are more expensive than EVTC, based on the Price/Earnings ratio.
  • When comparing the Price/Earnings ratio of EVTC to the average of the S&P500 Index (27.93), we can say EVTC is valued rather cheaply.
  • With a Price/Forward Earnings ratio of 7.07, the valuation of EVTC can be described as very cheap.
  • Compared to the rest of the industry, the Price/Forward Earnings ratio of EVTC indicates a somewhat cheap valuation: EVTC is cheaper than 78.13% of the companies listed in the same industry.
  • The average S&P500 Price/Forward Earnings ratio is at 27.77. EVTC is valued rather cheaply when compared to this.
Industry RankSector Rank
PE 7.61
Fwd PE 7.07
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 78.13% of the companies 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 70.83% of the companies listed in the same industry.
Industry RankSector Rank
P/FCF 11.87
EV/EBITDA 7.63
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)0.66
PEG (5Y)0.7
EPS Next 2Y7.98%
EPS Next 3Y8.03%

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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.
  • Compared to an average industry Dividend Yield of 2.03, EVTC has a dividend in line with its industry peers.
  • With a Dividend Yield of 0.73, EVTC pays less dividend than the S&P500 average, which is at 1.81.
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.
  • EVTC has not decreased its dividend in the past 5 years, so it has a somewhat stable track record.
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

  • 8.74% 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.
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

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Find the best dividend stocksShow peers with best dividend

EVERTEC INC

NYSE:EVTC (2/6/2026, 8:04:00 PM)

After market: 27.02 0 (0%)

27.02

-0.35 (-1.28%)

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 Cap1.73B
Revenue(TTM)903.38M
Net Income(TTM)146.09M
Analysts78.33
Price Target33.46 (23.83%)
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 7.61
Fwd PE 7.07
P/S 1.91
P/FCF 11.87
P/OCF 7.45
P/B 2.6
P/tB N/A
EV/EBITDA 7.63
EPS(TTM)3.55
EY13.14%
EPS(NY)3.82
Fwd EY14.15%
FCF(TTM)2.28
FCFY8.42%
OCF(TTM)3.63
OCFY13.43%
SpS14.12
BVpS10.37
TBVpS-8.81
PEG (NY)0.66
PEG (5Y)0.7
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 2.14
F-Score6
WACC8.21%
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%.