A Business at a Glance
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EVERTEC, Inc.
EVTC
$1.9B
Mkt Cap
$29.73
+2.24%
EVERTEC, Inc. (EVTC) has a current P/E ratio of 13.5, compared to its historical median P/E of 21.1. The stock is currently considered Cheap based on its historical valuation range.
EVERTEC, Inc. (EVTC) has a 5-year average return on invested capital (ROIC) of 17.1%. This indicates strong capital allocation and a potential competitive advantage.
EVERTEC, Inc. (EVTC) has a market capitalization of $1.8B. It is classified as a small-cap stock.
Yes, EVERTEC, Inc. (EVTC) pays a dividend with a trailing twelve-month yield of 0.69%. The company also returns capital through share buybacks, with a buyback yield of 4.87%.
Based on historical P/E analysis, EVERTEC, Inc. (EVTC) appears cheap. The current P/E of 13.5 is 36% below its historical median of 21.1. The estimated fair value CAGR (P/E method) is 5.1%.
EVERTEC, Inc. (EVTC) operates in the Services-Computer Processing & Data Preparation industry, within the Technology sector.
EVERTEC, Inc. (EVTC) reported annual revenue of $932 million in its most recent fiscal year, based on SEC EDGAR filings.
Item 1. Business Except as otherwise indicated or unless the context otherwise requires, (a) the terms “EVERTEC,” “we,” “us,” “our,” “our Company” and “the Company” refer to EVERTEC, Inc. and its subsidiaries on a consolidated basis and, (b) the term “EVERTEC Group” refers to EVERTEC Group, LLC and its predecessor entities and their subsidiaries on a consolidated basis. EVERTEC Inc.’s subsidiaries include Holdings, EVERTEC Group; EVERTEC Dominicana, SAS; Evertec Chile Holdings SpA; Evertec Chile SpA; Evertec Chile Global SpA; Evertec Chile Servicios Profesionales SpA; Paytrue S.A.; Caleidon; S.A.; Evertec Brasil Solutions Informática S.A. ("EVERTEC BR"); EVERTEC Panamá, S.A.; EVERTEC Costa Rica, S.A. (“EVERTEC CR”); Zunify Payments Ltda; EVERTEC Guatemala, S.A.; Evertec Colombia, SAS;, EVERTEC USA, LLC; OPG Technology Corp.; Evertec Placetopay, SAS ("PlacetoPay"); BBR Chile, SpA and BBR Perú, S.A.C.,(collectively "BBR"); Paysmart Pagamentos Eletronicos Ltda, Issuer Holding Ltda.
| Metric | TTM | FY2025 | FY2024 | FY2023 | FY2022 | FY2021 |
|---|---|---|---|---|---|---|
| Revenue | 951M | 932M | 845M | 695M | 618M | 590M |
| Net Income | 133M | 142M | 113M | 80M | 239M | 161M |
| EPS | $2.11 | $2.20 | $1.73 | $1.21 | $3.45 | $2.21 |
| Free Cash Flow | 197M | 204M | 235M | 190M | 193M | 203M |
| ROIC | 11.5% | 13.5% | 13.1% | 12.7% | 20.0% | 26.4% |
| Gross Margin | - | 46.3% | 48.3% | 45.8% | 47.0% | 51.7% |
| Debt/Equity | 1.64 | 1.81 | 2.03 | 1.66 | 0.95 | 1.04 |
| Dividends/Share | $0.21 | $0.20 | $0.20 | $0.20 | $0.20 | $0.20 |
| Operating Income | 182M | 186M | 166M | 136M | 157M | 197M |
| Operating Margin | 19.1% | 20.0% | 19.6% | 19.6% | 25.5% | 33.3% |
| ROE | 19.8% | 25.9% | 21.1% | 15.0% | 51.0% | 40.1% |
| Shares Outstanding | 62M | 64M | 65M | 66M | 69M | 73M |
| Metric | |||||||||||||
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Income Statement | |||||||||||||
| Revenue | 362M | 374M | 390M | 407M | 454M | 487M | 511M | 590M | 618M | 695M | 845M | 932M | 951M |
| Gross Margin | 49.6% | 48.2% | 49.5% | 45.9% | 52.5% | 51.6% | 49.9% | 51.7% | 47.0% | 45.8% | 48.3% | 46.3% | N/A |
| R&D | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| SG&A | 41M | 37M | 47M | 56M | 69M | 61M | 71M | 68M | 90M | 128M | 146M | 154M | 166M |
| EBIT | 97M | 103M | 107M | 86M | 125M | 145M | 141M | 197M | 157M | 136M | 166M | 186M | 182M |
| Op. Margin | 26.8% | 27.7% | 27.5% | 21.1% | 27.6% | 29.6% | 27.7% | 33.3% | 25.5% | 19.6% | 19.6% | 20.0% | 19.1% |
| Net Income | 66M | 85M | 75M | 55M | 86M | 103M | 104M | 161M | 239M | 80M | 113M | 142M | 133M |
| Net Margin | 18.3% | 22.9% | 19.3% | 13.5% | 19.0% | 21.2% | 20.5% | 27.3% | 38.6% | 11.5% | 13.3% | 15.2% | 13.9% |
| Non-Recurring | -734K | -143K | -453K | -430K | -109K | -893K | -807K | -1.7M | -4.9M | -969K | -2.6M | 0 | 0 |
| Returns on Capital | |||||||||||||
| ROIC | 11.0% | 14.0% | 13.5% | 11.2% | 15.7% | 18.5% | 17.9% | 26.4% | 20.0% | 12.7% | 13.1% | 13.5% | 11.5% |
| ROE | 72.4% | 88.4% | 74.0% | 44.2% | 48.5% | 43.2% | 34.5% | 40.1% | 51.0% | 15.0% | 21.1% | 25.9% | 19.8% |
| ROA | 7.3% | 9.8% | 8.6% | 6.2% | 9.4% | 10.7% | 10.0% | 14.5% | 21.0% | 5.0% | 5.7% | 6.9% | 5.8% |
| Cash Flow | |||||||||||||
| Op. Cash Flow | 140M | 162M | 168M | 146M | 173M | 180M | 199M | 228M | 220M | 211M | 260M | 227M | 221M |
| Free Cash Flow | 129M | 141M | 150M | 134M | 159M | 157M | 182M | 203M | 193M | 190M | 235M | 204M | 197M |
| Owner Earnings | 120M | 142M | 147M | 121M | 146M | 150M | 167M | 196M | 181M | 164M | 207M | 175M | 168M |
| CapEx | 11M | 21M | 18M | 11M | 14M | 23M | 17M | 25M | 27M | 21M | 25M | 23M | 23M |
| Maint. CapEx | 16M | 15M | 14M | 15M | 15M | 17M | 17M | 17M | 19M | 22M | 22M | 22M | 23M |
| Growth CapEx | 0 | 5.9M | 4.3M | 0 | 0 | 6.4M | 0 | 7.7M | 8.6M | 0 | 3.1M | 1.0M | 575K |
| D&A | 16M | 15M | 14M | 15M | 15M | 17M | 17M | 17M | 19M | 22M | 22M | 22M | 23M |
| CapEx/OCF | 7.8% | 12.9% | 11.0% | 7.7% | 8.1% | 12.8% | 8.6% | 11.0% | 12.1% | 10.2% | 9.8% | 10.3% | 10.6% |
| Capital Allocation | |||||||||||||
| Dividends Paid | 31M | 31M | 30M | 22M | 7.3M | 14M | 14M | 14M | 14M | 13M | 13M | 13M | 13M |
| Dividend Yield | 1.9% | 2.2% | 2.8% | 1.9% | 0.5% | 0.7% | 0.6% | 0.5% | 0.5% | 0.6% | 0.6% | 0.6% | 0.7% |
| Share Buybacks | 26M | 55M | 40M | 7.7M | 10M | 32M | 7.3M | 24M | 97M | 36M | 82M | 69M | 89M |
| Buyback Yield | 1.6% | 4.6% | 3.2% | 0.8% | 0.5% | 1.3% | 0.3% | 0.7% | 4.6% | 1.3% | 3.7% | 3.6% | 4.9% |
| Stock-Based Comp | 4.6M | 5.2M | 6.4M | 9.6M | 13M | 14M | 14M | 15M | 20M | 26M | 30M | 30M | 30M |
| Debt Repayment | 19M | 19M | 97M | 20M | 613M | 14M | 31M | 32M | 467M | 154M | 24M | 24M | 24M |
| Balance Sheet | |||||||||||||
| Net Debt | 657M | 630M | 596M | 565M | 468M | 445M | 321M | 226M | 262M | 691M | 686M | 820M | 806M |
| Cash & Equiv. | 32M | 29M | 52M | 50M | 70M | 111M | 203M | 258M | 185M | 296M | 274M | 306M | 291M |
| Long-Term Debt | 648M | 619M | 600M | 557M | 524M | 511M | 481M | 445M | 389M | 947M | 925M | 1.1B | 1.0B |
| Debt/Equity | 7.27 | 6.71 | 6.19 | 4.27 | 2.55 | 2.08 | 1.55 | 1.04 | 0.95 | 1.66 | 2.03 | 1.81 | 1.64 |
| Interest Coverage | 3.8 | 4.3 | 4.4 | 2.9 | 4.2 | 5.0 | 5.6 | 8.6 | 6.4 | 4.2 | 2.2 | 2.7 | 87.7 |
| Equity | 95M | 98M | 105M | 144M | 211M | 267M | 338M | 466M | 472M | 594M | 473M | 622M | 668M |
| Total Assets | 885M | 864M | 886M | 903M | 927M | 1.0B | 1.1B | 1.1B | 1.1B | 2.1B | 1.9B | 2.2B | 2.3B |
| Total Liabilities | 790M | 765M | 777M | 755M | 712M | 740M | 730M | 674M | 657M | 1.4B | 1.3B | 1.5B | 1.5B |
| Intangibles | 335M | 312M | 299M | 280M | 259M | 242M | 220M | 213M | 200M | 518M | 431M | 553M | 555M |
| Retained Earnings | 41M | 95M | 116M | 149M | 229M | 296M | 380M | 506M | 487M | 539M | 600M | 688M | 682M |
| Working Capital | 38M | 32M | 29M | 21M | 79M | 132M | 206M | 283M | 181M | 263M | 249M | 306M | 296M |
| Current Assets | 129M | 135M | 158M | 169M | 216M | 276M | 359M | 436M | 389M | 561M | 529M | 591M | 602M |
| Current Liabilities | 91M | 103M | 129M | 147M | 137M | 144M | 153M | 153M | 208M | 298M | 280M | 285M | 306M |
| Per Share Data | |||||||||||||
| EPS | 0.84 | 1.11 | 1.01 | 0.76 | 1.16 | 1.41 | 1.43 | 2.21 | 3.45 | 1.21 | 1.73 | 2.20 | 2.11 |
| Owner EPS | 1.52 | 1.85 | 1.98 | 1.68 | 1.96 | 2.04 | 2.29 | 2.69 | 2.62 | 2.49 | 3.19 | 2.72 | 2.73 |
| Book Value | 1.20 | 1.28 | 1.41 | 1.99 | 2.84 | 3.64 | 4.62 | 6.39 | 6.81 | 9.02 | 7.26 | 9.66 | 10.85 |
| Cash Flow/Share | 1.78 | 2.11 | 2.26 | 2.01 | 2.32 | 2.45 | 2.73 | 3.13 | 3.17 | 3.21 | 3.99 | 3.53 | 2.52 |
| Dividends/Share | 0.40 | 0.40 | 0.40 | 0.30 | 0.10 | 0.20 | 0.20 | 0.20 | 0.20 | 0.20 | 0.20 | 0.20 | 0.21 |
| Shares Out. | 78.8M | 76.9M | 74.3M | 72.4M | 74.4M | 73.4M | 73.0M | 72.9M | 69.3M | 65.9M | 65.1M | 64.4M | 61.6M |
| Valuation | |||||||||||||
| P/E Ratio | 24.2 | 13.9 | 16.5 | 17.1 | 23.5 | 23.3 | 27.1 | 22.3 | 8.9 | 33.5 | 20.0 | 13.4 | 14.1 |
| P/FCF | 12.4 | 8.4 | 8.3 | 7.0 | 12.8 | 15.3 | 15.6 | 17.7 | 11.0 | 14.1 | 9.6 | 9.3 | 9.3 |
| EV/EBIT | 23.3 | 17.6 | 17.1 | 17.5 | 20.0 | 19.5 | 22.2 | 17.9 | 13.8 | 22.6 | 16.0 | 12.7 | 14.5 |
| Price/Book | 16.9 | 12.1 | 11.8 | 6.5 | 9.6 | 9.0 | 8.4 | 7.7 | 4.5 | 4.5 | 4.8 | 3.1 | 2.7 |
| Price/Sales | 4.5 | 3.7 | 2.7 | 2.8 | 3.4 | 4.5 | 9.9 | 12.2 | 8.7 | 7.0 | 5.7 | 4.6 | 1.9 |
| FCF Yield | 8.0% | 11.9% | 12.1% | 14.3% | 7.8% | 6.5% | 6.4% | 5.7% | 9.1% | 7.1% | 10.4% | 10.7% | 10.8% |
| Market Cap | 1.6B | 1.2B | 1.2B | 943M | 2.0B | 2.4B | 2.8B | 3.6B | 2.1B | 2.7B | 2.2B | 1.9B | 1.8B |
| Avg. Price | 20.71 | 18.04 | 14.23 | 15.58 | 20.55 | 29.61 | 30.64 | 41.71 | 36.74 | 35.82 | 35.48 | 33.56 | 29.73 |
| Year-End Price | 20.35 | 15.47 | 16.69 | 13.02 | 27.32 | 32.81 | 38.79 | 49.30 | 30.60 | 40.58 | 34.55 | 29.51 | 29.73 |
EVERTEC, Inc. passes 5 of 9 quality checks, suggesting mixed fundamentals.
EVERTEC, Inc. trades at 13.5x trailing earnings, compared to its 15-year median P/E of 21.1x, suggesting it is currently Cheap relative to its historical range. On a free-cash-flow basis, the stock trades at 9.0x vs a median of 11.9x. The company's 5-year average ROIC is 17.1% with a gross margin of 47.8%. Total shareholder yield (dividends + buybacks) is 5.6%. At current prices, the estimated annualized return to fair value is +7.2%.
EVERTEC, Inc. (EVTC) has a net profit margin of 15.2%. This is a healthy margin.
EVERTEC, Inc. (EVTC) generated $204 million in free cash flow in its most recent fiscal year. Positive free cash flow supports dividends, buybacks, and debt reduction.
EVERTEC, Inc. (EVTC) has a debt-to-equity ratio of 1.81. This indicates higher leverage, which may increase financial risk.
EVERTEC, Inc. (EVTC) reported earnings per share (EPS) of $2.20 in its most recent fiscal year.
EVERTEC, Inc. (EVTC) has a return on equity (ROE) of 25.9%. This indicates the company generates strong returns for shareholders.
EVERTEC, Inc. (EVTC) has a 5-year average gross margin of 47.8%. This indicates decent pricing power.
The Ledger Terminal provides 15 years of financial data for EVERTEC, Inc. (EVTC), sourced directly from SEC EDGAR filings. This includes income statements, balance sheets, cash flow statements, and key financial ratios.
EVERTEC, Inc. (EVTC) has a book value per share of $9.66, based on its most recent annual SEC filing.