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

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