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. In the quarter to June 2026, revenue grew 19.7%, EPS fell 85.7%, free cash flow grew 20.6% and total debt rose 37.1%, each against the same quarter a year earlier. Dividend growth for five consecutive years, revenue growth for ten; insiders bought in the last twelve months.

31.19 0.21 −0.67%
Market cap
$1.9B
P/E
20.3×
Fwd P/E
10.0×
Dividend yield
0.64%
F-score
7/9
Altman Z
1.97
Beneish M
−2.41
Dividend safety
81/100
Dec '16 Dec '17 Dec '18 Dec '19 Dec '20 Dec '21 Dec '22 Dec '23 Dec '24 Dec '25
P/E ratio
17.55 18.11 24.12 23.64 26.93 22.41 9.32 33.23 19.51 13.16
Piotroski F-Score
6 6 8 8 6 8 6 5 8 7
Altman Z-Score
2.08 1.81 3.14 3.51 3.96 5.20 3.83 2.17 2.33 1.97
P/S ratio
3.41 2.45 4.59 5.04 5.54 6.11 3.66 3.82 2.63 1.99
P/FCF ratio
10.54 8.88 15.85 20.42 18.80 22.19 15.27 21.02 12.93 13.68
Altman Z″-Score (non-manufacturers)
1.60 1.54 2.59 3.15 3.79 4.95 4.14 2.56 2.89 2.86
Beneish M-Score
(2.96) (2.86) (2.81) (2.73) (3.00) (2.57) (2.39) (2.68) (2.79) (2.41)
P/Operating CF
30.54 26.70 47.05 56.06 36.30 68.51 37.13 50.17 29.53 26.47
Dividend Safety Score
— — — — — — — — — 81
P/B ratio
12.27 6.74 9.67 9.04 8.26 7.66 4.76 4.43 4.67 2.97
Price to Tangible BV
0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
EV/Sales
4.91 3.81 5.59 5.84 6.08 6.41 4.02 4.76 3.40 2.80
EV/EBITDA
11.19 9.99 13.17 12.85 14.06 13.53 10.18 13.87 9.40 8.15
EV/Operating CF
11.39 10.65 14.68 15.83 15.59 16.55 11.31 15.65 11.04 11.49
EV/FCF
15.21 13.82 19.29 23.70 20.62 23.29 16.80 26.19 16.72 19.25
Quick Ratio
1.07 0.98 1.37 1.65 2.07 2.61 1.51 1.49 1.56 1.74
Current Ratio
1.23 1.15 1.58 1.91 2.35 2.85 1.87 1.88 1.89 2.07
Net Debt/EBITDA
3.43 3.57 2.35 1.78 1.24 0.64 0.93 2.74 2.13 2.36
Debt/Assets
73.10% 68.20% 58.05% 51.91% 46.18% 40.58% 38.02% 47.11% 51.08% 48.45%
Debt/Equity
5.99 4.16 2.50 1.93 1.45 0.99 0.91 1.62 1.99 1.74
Asset Turnover
0.45 0.46 0.50 0.50 0.49 0.53 0.54 0.44 0.43 0.45
Operating CF/Net income
2.24 2.65 2.00 1.74 1.91 1.42 0.92 2.65 2.31 1.60
Capex/Depreciation
(0.66) (0.48) (0.61) (0.77) (0.61) (0.80) (0.83) (0.83) (0.63) (0.68)
Interest Coverage
4.35 2.88 4.16 5.02 5.64 8.62 6.35 4.21 2.22 2.73
ROE
72.71% 42.98% 47.45% 42.47% 34.02% 39.65% 50.58% 14.86% 20.97% 25.73%
ROA
8.58% 6.16% 9.43% 10.67% 10.02% 14.53% 21.00% 5.00% 5.75% 6.91%
ROIC
9.63% 7.65% 11.72% 13.57% 14.33% 18.93% 14.03% 6.81% 9.19% 8.44%
Return on Tangible Assets
110.30% 92.64% 74.21% 58.96% 41.84% 48.53% 100.80% 24.49% 36.16% 38.26%
Average Days of Receivables
72.91 74.70 80.68 79.99 68.43 70.11 65.81 66.47 59.36 64.39
Research and Development Expense of Revenue
0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00%
Selling, General and Administrative Expense of Revenue
12.06% 13.79% 15.14% 12.60% 13.87% 11.54% 14.52% 18.45% 17.22% 16.54%
Intangible Assets out of Total Assets
0.76 0.75 0.71 0.63 0.58 0.53 0.55 0.64 0.62 0.64
Share Based Compensation of Revenue
1.65% 2.37% 2.77% 2.78% 2.79% 2.51% 3.23% 3.70% 3.58% 3.17%
Graham Net Nets
(0.47) (0.59) (0.24) (0.19) (0.13) (0.07) (0.12) (0.34) (0.38) (0.55)
Graham Number
5.79 5.91 8.92 11.05 12.50 18.10 23.43 15.97 17.17 22.08
Earnings Yield
5.70% 5.52% 4.15% 4.23% 3.71% 4.46% 10.73% 3.01% 5.13% 7.60%
Free Cash Flow Yield
9.49% 11.27% 6.31% 4.90% 5.32% 4.51% 6.55% 4.76% 7.73% 7.31%
Revenue per Share
5.25 5.62 6.25 6.76 7.10 8.19 9.00 10.70 13.15 14.63
Operating CF per Share
2.27 2.01 2.38 2.50 2.77 3.17 3.20 3.25 4.05 3.56
Capex per Share
(0.57) (0.46) (0.57) (0.83) (0.68) (0.92) (1.05) (1.31) (1.38) (1.44)
Free Cash Flow per Share
1.70 1.55 1.81 1.67 2.09 2.25 2.16 1.94 2.67 2.13
Cash per Share
0.81 0.83 1.19 1.82 3.07 3.97 2.97 4.91 4.64 5.21
Shareholders Equity per Share
1.46 2.04 2.97 3.77 4.76 6.53 6.91 9.22 7.40 9.81
Interest Debt per Share
0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
Book value per Share
1.46 2.04 2.97 3.77 4.76 6.53 6.91 9.22 7.40 9.81
Free Cash Flow
125.87 112.35 131.43 120.19 150.46 162.32 148.06 126.24 171.64 135.51
Working Capital
29.10 21.49 79.49 131.70 206.05 283.47 180.72 263.04 249.41 305.73
Capital Expenditures
(42.19) (33.43) (41.30) (59.76) (48.63) (66.10) (71.84) (84.95) (88.42) (91.50)
Net Current Asset Value
(619.22) (586.11) (495.49) (464.03) (371.10) (238.14) (267.87) (900.50) (852.74) (1,027.69)
EV/EBIT
17.87 18.04 20.26 19.71 21.95 19.23 15.80 24.28 17.33 13.99
Capex to Sales
0.11 0.08 0.09 0.12 0.10 0.11 0.12 0.12 0.10 0.10
Price to Operating Income
12.38 11.59 16.65 16.98 20.01 18.33 14.36 19.49 13.40 9.94
Other line items
Depreciation/Fixed assets
1.64 1.83 1.83 1.76 1.82 1.71 1.54 1.64 2.25 2.08
Cash ROIC
15.43% 13.63% 15.63% 12.95% 14.21% 13.30% 13.35% 6.69% 9.96% 6.63%
Accounts Receivable Turnover
5.14 5.05 4.94 4.71 5.04 5.64 5.50 5.84 6.40 6.17
Accounts Payable Turnover
5.67 4.90 4.46 4.94 5.50 6.97 10.05 7.00 6.49 7.66
Inventory Turnover
0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
Average Days of Payables
84.80 74.83 87.60 66.99 69.74 41.56 37.08 72.09 52.74 49.58
Days of Inventory on Hand
0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
Average Receivables
75.76 80.57 91.83 103.57 101.27 104.51 112.39 119.00 132.01 150.94
Average Payables
31.03 40.99 44.20 43.22 41.26 35.92 29.11 48.12 62.62 61.23
Average Assets
874.66 894.23 915.04 969.48 1,042.13 1,108.67 1,138.25 1,596.00 1,958.94 2,050.45
Average Common Equity
103.19 128.08 181.79 243.61 307.03 406.35 472.51 536.58 537.10 550.32

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