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EVTC

NEUTRAL
$29.51 Live
EVERTEC, Inc. · NYSE
Target $32.6 (+10.5%)
$24.95 52W Range $38.56
Overview AI Snowflake Price Valuation Profitability Growth Health Statements Peers Insiders SEC Filings

At a glance

Key valuation, profitability, growth, and risk metrics.

Updated Apr 27, 2026
Market cap
$1.82B
P/E
13.41
ROE
23.4%
Profit margin
15.2%
Debt/Equity
1.59
Dividend yield
0.68%

AI Analysis

AI-powered fundamental assessment

Confidence
85%
EVTC exhibits strong fundamental health with a Piotroski F-Score of 7/9 and a robust ROE of 23.44%, yet it is trapped in a bearish technical trend. While the company maintains a low P/E of 13.41 and a very attractive forward P/E of 6.94, the current price of $29.51 trades at a significant premium to both its Graham Number ($22.32) and Intrinsic Value ($15.40). A critical divergence exists between revenue growth (+13.10%) and earnings growth (-9.90%), suggesting margin compression or rising operational costs. Overall, the stock is a fundamentally sound business currently lacking a catalyst for price appreciation.

Key Strengths

Strong Piotroski F-Score (7/9) indicating high financial health
High Return on Equity (ROE) of 23.44%
Strong liquidity position with a Current Ratio of 2.07
Consistent track record of beating earnings estimates (3/4 last 4 quarters)
Low valuation multiples relative to the broader technology sector

Key Risks

Negative YoY earnings growth (-9.90%) despite revenue growth
Bearish technical trend (0/100) and poor 5-year price performance (-24.9%)
Debt/Equity ratio (1.59) is significantly higher than the sector average (0.70)
Current price is trading well above the calculated Intrinsic Value ($15.40)
Low dividend yield (0.68%) provides little downside protection
AI Fair Value Estimate
Based on comprehensive analysis
$23.82
-19.3% below current price

Performance Snowflake

Multi-dimensional analysis across 5 key categories

Overall
54
Moderate
Value
65
Future
45
Past
40
Health
88
Dividend
30
AI Verdict
Fundamental Value Play with Momentum Headwinds
Key drivers: Strong balance sheet health, Negative earnings growth, Bearish price action, Low P/E ratio
Confidence
90%
Value
65/100

Ref P/E, PEG, Graham Number

Positives
  • Low P/E (13.41)
  • Very low Forward P/E (6.94)
Watchpoints
  • Price exceeds Graham Number ($22.32)
  • Price exceeds Intrinsic Value ($15.40)
Future
45/100

Ref Growth rates

Positives
  • Double-digit revenue growth (13.10%)
  • Strategic focus on international expansion
Watchpoints
  • Negative earnings growth (-9.90%)
  • Negative Q/Q earnings growth (-11.20%)
Past
40/100

Ref Historical trends

Positives
  • Consistent earnings beats over 25 quarters
Watchpoints
  • 5Y Change: -24.9%
  • 1Y Change: -10.8%
Health
88/100

Ref Altman Z-Score, Piotroski F-Score

Positives
  • Piotroski F-Score 7/9
  • Current Ratio 2.07
  • Quick Ratio 1.69
Watchpoints
  • Debt/Equity 1.59
Dividend
30/100

Ref Yield, Payout

Positives
  • Very low payout ratio (9.09%) indicating high sustainability
Watchpoints
  • Low yield (0.68%)

Stock Price & Analyst Targets

Real-time price movements and analyst price targets

Current Price
$29.51
Analyst Target
$32.6
Upside/Downside
+10.5%

Multi-Horizon Performance vs Peers

Price momentum across 5Y → 1W horizons for EVTC and closest competitors.

Updated 2026-04-24
EVT
EVERTEC, Inc.
Primary
5Y
-24.9%
3Y
-6.3%
1Y
-10.8%
6M
-4.7%
1M
+5.8%
1W
-3.8%
PAY
Payoneer Global Inc.
Peer
5Y
-49.3%
3Y
-8.8%
1Y
-19.3%
6M
-9.6%
1M
+9.1%
1W
+13.4%
MQ
Marqeta, Inc.
Peer
5Y
-86.7%
3Y
-7.9%
1Y
+3.6%
6M
-14.7%
1M
+2.3%
1W
+1.8%
AI
C3.ai, Inc.
Peer
5Y
-91.4%
3Y
-12.6%
1Y
-62.7%
6M
-51.2%
1M
-9.6%
1W
-2.7%
BHE
Benchmark Electronics, Inc.
Peer
5Y
+103.9%
3Y
+81.5%
1Y
+6.3%
6M
+27.6%
1M
+10.1%
1W
-0.5%

Positive values indicate cumulative gains over the specified period. Comparables pulled from the same sector to highlight whether momentum is stock-specific or industry-wide.

Historical Performance Trends

Long-term financial metrics and growth patterns

Revenue & Net Income

Profit & Operating Margins

Return on Equity (ROE)

Quarterly Revenue Growth

Historical data shows last 12 quarters (3 years)

Valuation Metrics

Key valuation ratios and pricing indicators

P/E Ratio
13.41
Forward P/E
6.94
PEG Ratio
N/A
P/B Ratio
2.93
P/S Ratio
1.95
EV/Revenue
2.94
EV/EBITDA
10.47
Market Cap
$1.82B

Profitability

Profit margins and return metrics

Profit Margin 15.2%
Operating Margin 17.59%
Gross Margin 49.66%
ROE 23.44%
ROA 5.68%

Growth

Revenue and earnings growth rates

Revenue Growth +13.1%
Earnings Growth -9.9%
Q/Q Revenue Growth +13.14%
Q/Q Earnings Growth -11.2%

Financial Health

Balance sheet strength and liquidity metrics

Debt/Equity
1.59
High debt
Current Ratio
2.07
Strong
Quick Ratio
1.69
Excellent
Cash/Share
$4.96

Financial Statement Flow

Interactive flow visualization showing how money moves through the company Q4 2025

Revenue
$0.2B
Gross Margin
51.1%
Op. Margin
17.6%
Net Margin
14.5%
Total Assets
$2.2B
Liabilities
$1.5B
Equity
$0.6B
Debt/Equity
2.46x
Operating CF
$0.1B
CapEx
$-0.0B
Free Cash Flow
$0.0B
FCF Yield
66%

Quarterly Earnings History

EPS performance vs analyst estimates

2026-05-06
$N/A
2026-02-26
$0.93
+2.8% surprise
2025-11-06
$0.92
+3.5% surprise
2025-07-30
$0.89
+4.0% surprise

Technology Sector Comparison

Comparing EVTC against 555 companies in the Technology sector (45 bullish, 190 neutral, 320 bearish)
P/E Ratio
13.41
This Stock
vs
82.84
Sector Avg
-83.8% (Discount)
Return on Equity (ROE)
23.44%
This Stock
vs
-34.19%
Sector Avg
-168.6% (Below Avg)
Profit Margin
15.2%
This Stock
vs
-12.18%
Sector Avg
-224.8% (Weaker)
Debt to Equity
1.59
This Stock
vs
0.73
Sector Avg
+116.5% (Higher)
Revenue Growth
13.1%
This Stock
vs
4463.53%
Sector Avg
-99.7% (Slower)
Current Ratio
2.07
This Stock
vs
3.62
Sector Avg
-42.7% (Weaker)

Similar Companies

Peer comparison within the same industry

EVTC EVERTEC, Inc.
NEUTRAL
Mkt Cap
$1.8B
P/E
13.4
ROE
23.4%
Price
$29.51
PAYO Payoneer Global Inc.
NEUTRAL
Mkt Cap
$1.8B
P/E
27.2
ROE
10.2%
Price
$5.17
 Compare with EVTC
MQ Marqeta, Inc.
NEUTRAL
Mkt Cap
$1.8B
P/E
-
ROE
-1.5%
Price
$4.06
 Compare with EVTC
AI C3.ai, Inc.
BEARISH
Mkt Cap
$1.8B
P/E
-
ROE
-46.8%
Price
$12.69
 Compare with EVTC
BHE Benchmark...
NEUTRAL
Mkt Cap
$1.8B
P/E
50.8
ROE
3.4%
Price
$49.24
 Compare with EVTC

Recent Insider Trading

Insider buy and sell transactions from the last 6 months

SCHUESSLER MORGAN M. JR
Chief Executive Officer
Stock Award
2026-03-05
85,975 shares · $2,467,482
VIZCARRONDO MIGUEL
Officer
Stock Award
2026-03-05
18,118 shares · $519,987
RODRIGUEZ-GONZALEZ LUIS A
General Counsel
Stock Award
2026-03-05
18,118 shares · $519,987
PEREZ-SURILLO PAOLA
Officer
Stock Award
2026-03-05
18,118 shares · $519,987
CASTRILLO-SALGADO JOAQUIN A
Chief Operating Officer
Stock Award
2026-03-05
29,547 shares · $847,999
VIGLIANCO DIEGO
Chief Investment Officer
Stock Award
2026-03-05
27,177 shares · $779,980
BRIGNARDELLO DANIEL
Officer
Stock Award
2026-03-05
13,937 shares · $399,992
CRUZ KARLA
Chief Financial Officer
Stock Award
2026-03-05
29,588 shares · $849,176
ALMEIDA PRADO CLAUDIO
Officer
Stock Award
2026-03-05
13,937 shares · $399,992
LOPEZ GAFFNEY ALBERTO
Officer
Stock Award
2026-03-05
13,937 shares · $399,992
SCHUESSLER MORGAN M. JR
Chief Executive Officer
Stock Award
2026-03-03
123,531 shares · $3,502,104
VIZCARRONDO MIGUEL
Officer
Stock Award
2026-03-03
24,404 shares · $691,853
RODRIGUEZ-GONZALEZ LUIS A
General Counsel
Stock Award
2026-03-03
24,404 shares · $691,853
PEREZ-SURILLO PAOLA
Officer
Stock Award
2026-03-03
24,404 shares · $691,853
CASTRILLO-SALGADO JOAQUIN A
Chief Operating Officer
Stock Award
2026-03-03
31,163 shares · $883,471
Insider transactions can signal confidence or concerns about company prospects

SEC Filings

Recent regulatory filings from the SEC EDGAR database

DEF 14A
DEF 14A
2026-04-07

EVTC filed a definitive proxy statement on April 7, 2026, providing shareholders with necessary information and voting materials for an upcoming meeting.

10-K
10-K
2026-03-02

EVTC's 10-K filing dated March 2, 2026, indicates a strategic focus on growth, international expansion, and future capital expenditures. While specific financial metrics were not provided in the excerpts, the report includes standard disclosures regarding market risks and macroeconomic factors impacting operations.

8-K
8-K
2026-02-26
8-K
8-K
2026-02-19

EVTC filed an 8-K on February 19, 2026, likely to announce its quarterly financial results.

8-K
8-K
2026-02-02

EVTC filed an 8-K on February 2, 2026, likely to announce its annual financial results for the preceding fiscal year.

8-K
8-K
2025-12-02
10-Q
10-Q
2025-11-07

EVTC filed its 10-Q on November 7, 2025, which incorporates critical accounting estimates from its Annual Report on Form 10-K filed on March 3, 2025. The provided excerpts do not list specific financial results but direct investors to Item 1A for detailed risk factors.

8-K
8-K
2025-11-06

EVTC filed an 8-K on November 6, 2025, likely to announce its third-quarter financial results.

8-K
8-K
2025-10-23
8-K
8-K
2025-10-02
8-K
8-K
2025-09-02
8-K
8-K
2025-08-21
10-Q
10-Q
2025-07-31
8-K
8-K
2025-07-30
8-K
8-K
2025-07-24
Data sourced from SEC EDGAR. AI summaries generated automatically.

Wall Street Analysts

Professional analyst ratings and price targets

Consensus
NONE
5 analysts
Morgan Stanley
2025-11-12
Maintains
Equal-Weight Equal-Weight
Keefe, Bruyette & Woods
2025-11-10
Maintains
Outperform Outperform
Susquehanna
2025-11-07
Maintains
Neutral Neutral

Past News Coverage

Recent headlines mentioning EVTC from our newsroom.

Newest → oldest
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