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Evertec, Inc.

EVTC Technology Software Infrastructure

Evertec, Inc.’s revenue for fiscal 2025 (year ended December 2025) was $931.8 million, up 10.2% from fiscal 2024.

Revenue
+23.8%
EPS
+3.80%
Free cash flow
+29.3%
Total debt
+17.9%

Quarter to September 2026, against a year earlier

33.93 0.80 −2.30%
Market cap
$2.0B
P/E
21.8×
Fwd P/E
19.4×
Dividend yield
0.44%
F-score
7/9
Altman Z
1.97
Beneish M
−2.41
Dividend safety
81/100
Overview
Financials
Income Statement Balance Sheet Cash Flow Metrics & Ratios

Insider Decisions last twelve months

Bought, $m 2.25
Sold, $m 6.55
Trades a month
Jan 26 Apr 26 Jul 26 Oct 26
Buy — — — — — 4 1 — — — — —
Sell — — — — — — — — 5 1 — 1
Insider Ownership 1.97%

Capital & Financial Ratios $m

Size
Market Cap 2,030.00
Revenue ttm 1,050.57
Net income ttm 100.17
Free cash flow ttm 147.82
Net debt Q 962.33
Valuation
P/E 21.76
Forward P/E 19.40
Price / sales 1.92
Forward P/S Powerpack
Price / FCF 13.66
Price / book 3.10
Financial health
Current ratio Q 1.66 (at or above 1.5: strong)
Debt / equity Q 1.96
Interest coverage Q 2.35
Growth
Revenue growth Q +23.80% (above 0%: growing)
Operating income growth Q +34.20% (above 0%: growing)
EPS, this year +11.79%
EPS, next year A +9.35%
Revenue, next year A +16.98% (at or above 10%: strong)
EPS, past 5 yrs +9.00%
EPS, next 5 yrs A +10.82%

Green and red mark values outside typical ranges; (Q) is the latest quarter, (A) analysts’ estimates. How we judge →

Valuation vs history

EV/Sales, ten years
EV/Sales is 2.8×, against a ten-year median of 4.5×; over the ten years it ranged from 2.4× in 2026 to 6.5× in 2021.
P/E against its own 10 years 58.23%
10-year low 10-year high
P/S against its own 10 years 5.79%
10-year low 10-year high
P/B against its own 10 years 10.01%
10-year low 10-year high
EV/Sales against its own 10 years 8.65%
10-year low 10-year high
EV/FCF against its own 10 years 68.79%
10-year low 10-year high

Dividends

Yield
0.44%
Annual rate
0.15
Payout ratio
9.67%
Growth, 2017–25
−4.94%/yr
  1. 0.30 ’17
  2. 0.10 ’18 −67
  3. 0.20 ’19 +100
  4. 0.25 ’20 +25
  5. 0.20 ’21 −20
  6. 0.20 ’22 +0
  7. 0.20 ’23 +0
  8. 0.20 ’24 +0
  9. 0.20 ’25 +0
  10. 0.30 ’26e +50
paid forecast change on the year, % Powerpack

Assets vs Liabilities $m

2023 2024 2025 Q'26
Cash 319 298 332 315
Receivables 127 138 164 187
Inventory — — — —
Other 51 32 26 30
561 529 591 625
2023 2024 2025 Q'26
Payables 67 59 64 69
ST’ Debt 24 24 34 63
Other 69 57 53 61
298 280 285 376

Compound Annual Growth %

10y 5y 3y
Sales 9.57% 12.79% 14.64%
Cash Flow 3.40% 2.66% 1.07%
Earnings 5.19% 6.28% (16.01%)
Book Value 20.33% 12.78% 9.59%

Earnings Trends EPS, adjusted, against the consensus

Q3 FY26 Estimate 0.97 Actual 1.07

Earnings per share against the consensus, by quarter
Quarter Estimate Reported Result
Q4 FY25 0.91 0.93 Beat by 0.02
Q1 FY26 0.91 0.90 Miss by 0.01
Q2 FY26 0.95 1.05 Beat by 0.10
Q3 FY26 0.97 1.07 Beat by 0.10
Q4 FY26 1.09 — Reports 25 February 2027

EPS $

Mar Jun Sep Dec Year
’26 0.38 0.09 0.52 — —
’25 0.50 0.62 0.51 0.56 2.20
’24 0.24 0.49 0.38 0.62 1.73
’23 0.46 0.43 0.15 0.17 1.21
’22 0.53 0.47 2.06 0.44 3.45
’21 0.49 0.68 0.48 0.56 2.21
’20 0.30 0.21 0.47 0.44 1.43
Fiscal quarters ending in the months shown.

Revenue $m

Mar Jun Sep Dec Year
’26 248 275 283 — —
’25 229 230 229 245 932
’24 205 212 212 216 845
’23 160 167 173 195 695
’22 150 161 146 162 618
’21 140 149 146 155 590
’20 122 118 137 134 511
Fiscal quarters ending in the months shown.

Operating Cash Flow $m

Mar Jun Sep Dec Year
’26 31 59 86 — —
’25 38 48 71 70 227
’24 41 91 54 75 260
’23 55 66 38 53 211
’22 68 62 29 61 220
’21 35 77 64 53 228
’20 34 53 34 78 199
Fiscal quarters ending in the months shown.

Free Cash Flow $m

Mar Jun Sep Dec Year
’26 9 34 59 — —
’25 15 28 45 46 136
’24 19 56 40 57 172
’23 41 44 23 19 126
’22 53 48 13 34 148
’21 18 65 51 29 162
’20 25 44 15 66 150
Fiscal quarters ending in the months shown.

Target Price Range

Analyst price targets

Recommendation Rating

2.2
1Buy 2 3Hold 4 5Sell

Ten years at a glance Fiscal years to December

Ten-year view Analyst estimates Powerpack
Group Line 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 TTM Sep ’26 Trend 10 yrs 2026e 2027e 2028e Next 3/yr
Income, $m
Income, $m Revenue 390 407 454 487 511 590 618 695 845 932 1,051 +10.2% 1,090 1,179 1,263 +10.7%
Gross margin, % 54.86 50.72 56.60 56.22 55.57 57.58 52.68 51.53 51.93 49.65 53.05 (5.2) pt
EBT 83 60 99 117 124 182 268 85 120 154 130 +7.1%
EBT margin, % 21.41 14.79 21.85 23.94 24.26 30.81 43.31 12.29 14.15 16.57 12.36 (4.8) pt
Net income 75 55 87 104 105 161 239 80 115 145 100 +7.5%
Per share, $
Per share, $ Revenue 5.25 5.62 6.25 6.76 7.10 8.19 9.00 10.70 13.15 14.63 17.65 +12.0%
Earnings 1.01 0.76 1.19 1.44 1.45 2.24 3.48 1.23 1.75 2.22 1.56 +9.1%
Cash flow 2.27 2.01 2.38 2.50 2.77 3.17 3.20 3.25 4.05 3.56 4.14 +5.2%
Capex (0.57) (0.46) (0.57) (0.83) (0.68) (0.92) (1.05) (1.31) (1.38) (1.44) (1.65) +10.8%
Free cash flow 1.70 1.55 1.81 1.67 2.09 2.25 2.16 1.94 2.67 2.13 2.48 +2.5%
Book value 1.46 2.04 2.97 3.77 4.76 6.53 6.91 9.22 7.40 9.81 10.95 +23.6%
Shares, m 74 72 73 72 72 72 69 65 64 64 61 (1.7%)
Valuation, ×
Valuation, × P/E 17.55 18.11 24.12 23.64 26.93 22.41 9.32 33.23 19.51 13.16 21.76 20.8
P/S 3.41 2.45 4.59 5.04 5.54 6.11 3.66 3.82 2.63 1.99 1.92 3.9
P/B 12.27 6.74 9.67 9.04 8.26 7.66 4.76 4.43 4.67 2.97 3.10 7.0
EV/Sales 4.91 3.81 5.59 5.84 6.08 6.41 4.02 4.76 3.40 2.80 2.84 4.8
EV/FCF 15.21 13.82 19.29 23.70 20.62 23.29 16.80 26.19 16.72 19.25 20.17 19.5
Cash, $m
Cash, $m Operating cash flow 168 146 173 180 199 228 220 211 260 227 246 +3.4%
Capex (42) (33) (41) (60) (49) (66) (72) (85) (88) (92) (98) +9.0%
Free cash flow 126 112 131 120 150 162 148 126 172 136 148 +0.8%
Balance, $m
Balance, $m Working capital 29 21 79 132 206 283 181 263 249 306 249 +29.9%
Net debt 587 555 452 394 274 179 227 652 651 755 962 +2.8%
Shareholders’ equity 108 148 216 272 342 470 475 598 476 625 652 +21.5%
Returns, %
Returns, % ROA 8.58 6.16 9.43 10.67 10.02 14.53 21.00 5.00 5.75 6.91 4.06 (1.7) pt
ROIC 9.63 7.65 11.72 13.57 14.33 18.93 14.03 6.81 9.19 8.44 7.42 (1.2) pt
ROE 72.71 42.98 47.45 42.47 34.02 39.65 50.58 14.86 20.97 25.73 14.35 (47.0) pt
People
People Employees 1,650 2,100 2,100 2,300 2,500 2,500 2,700 5,000 4,800 5,327 — +13.9%
Revenue/emp, $m 0.24 0.19 0.22 0.21 0.20 0.24 0.23 0.14 0.18 0.17 — (3.3%)
Negative figures in brackets.
estimates

All 10 years →

Fiscal years to Dec 2025 · latest quarter Sep 2026 · fundamentals updated 5 Nov 2026

Evertec, Inc. vs peers in Software Infrastructure (Q) = latest quarter vs a year earlier

Company Market cap P/E Fwd P/E Revenue growth (Q) EPS growth (Q) FCF growth (Q) Gross margin (Q) EBIT margin (Q) Compare
PAGS PagSeguro Digital Ltd. $2.2B 5.3× 5.3× +12.61% (above 0%: growing) +21.88% (above 0%: growing) −67.14% (below 0%: shrinking) 53.43% 38.71% Compare
CALX Calix, Inc $2.1B 44.9× 41.4× +13.67% (above 0%: growing) −32.17% (below 0%: shrinking) −87.16% (below 0%: shrinking) 53.29% 5.49% Compare
EVTC Evertec, Inc. $2.1B 21.8× 19.4× +23.80% (above 0%: growing) +3.80% (above 0%: growing) +75.07% (above 0%: growing) 53.70% 17.89%
GCT GigaCloud Technology Inc. $2.1B 13.5× 12.7× +27.33% (above 0%: growing) +42.42% (above 0%: growing) −27.55% (below 0%: shrinking) 24.85% 13.94% Compare
INFQ Infleqtion, Inc. $1.9B — (loss-making) — — n/m +914.79% (above 0%: growing) 16.01% (220.55%) Compare
AI C3.ai, Inc. $1.9B — (loss-making) — (loss-making) −25.46% (below 0%: shrinking) n/m +106.02% (above 0%: growing) 31.83% (187.62%) Compare
STNE StoneCo Ltd. $1.9B 3.0× 3.0× +14.89% (above 0%: growing) −2.63% (below 0%: shrinking) +2,108.82% (above 0%: growing) 68.05% 43.79% Compare
MQ Marqeta, Inc. $1.9B 14.6× 66.4× +7.88% (above 0%: growing) n/m −77.59% (below 0%: shrinking) 69.30% 3.56% Compare
NYAX Nayax Ltd. $1.9B 214× 179× +28.25% (above 0%: growing) n/m −335.31% (below 0%: shrinking) 46.86% (5.42%) Compare
Median of peers $1.9B 14.1× 27.0× +13.67% +9.63% −47.35% 50.08% 4.53%

All 183 Software Infrastructure stocks →

Pay and ownership Proxy statement filed 7 April 2026

Chief executive’s pay

Year Total pay Actually paid $100 invested
2025 9.22m 3.71m 73.98
2024 8.97m 4.95m 87.82
2023 14.37m 22.77m 104.12
2022 8.28m (1.21m) 82.35
2021 7.50m 17.23m 127.11
Total pay is as the Summary Compensation Table states it; actually paid revalues the year’s share awards at its end, as the SEC’s pay-versus-performance rule asks. $100 invested is what $100 in the company’s shares at the start of the earliest year shown was worth at each year’s end. Read the proxy statement

Evertec, Inc. (EVTC) Latest News

4 Nov

Impact 3 · · The Motley Fool transcript
Impact 3 · · Moby
Impact 3 · · GuruFocus.com
Impact 3 · · MarketBeat

3 Nov

Impact 3 · · Associated Press
Impact 3 · · StockStory
Impact 3 · · Business Wire

27 Oct

Impact 3 · · Zacks

25 Oct

Impact 4 · · Simply Wall St.

22 Oct

Impact 3 · · StockStory

19 Oct

Impact 3 · · StockStory

7 Oct

Impact 3 · · Simply Wall St.

6 Oct

Impact 3 · · Zacks

5 Oct

Impact 3 · · Zacks

28 Sep

Impact 3 · · StockStory

22 Sep

Impact 3 · · StockStory

17 Sep

Impact 3 ·

11 Aug

Impact 3 · · The Motley Fool transcript

6 Aug

Impact 3 ·

5 Aug

Impact 4 · transcript
Impact 3 ·
Impact 3 · · Moby
Impact 3 · · MarketBeat transcript

4 Aug

Impact 3 ·
Impact 3 ·
Impact 3 ·

21 May

Impact 3 · · StockStory
Impact 3 · · Simply Wall St.

20 May

Impact 3 · · Insider Monkey

19 May

Impact 3 ·

EVTC metrics, ten years each

stockrow.com/EVTC · Data as of Nov 5, 2026 · For information only; not investment advice. · © 2026 stockrow.com