Evertec, Inc. (EVTC) vs Nayax Ltd. (NYAX)

Evertec, Inc. and Nayax Ltd. are both Software Infrastructure companies. Evertec, Inc. and Nayax Ltd. are of similar size ($1.7B and $1.7B). Evertec, Inc. trades at the lower P/E: 18.3× against 205×. Nayax Ltd. grew revenue faster over the last twelve months: 30.0% against 12.4%. Evertec, Inc. has the higher net margin (9.80% vs 1.74%) and the higher return on invested capital (6.80% vs 6.41%). Across the 21 metrics below, Evertec, Inc. leads on 15 and Nayax Ltd. on 6.

Valuation

Metric EVTC NYAX Software Infrastructure median
P/E 18.30 205.41 28.02
P/S 1.72 3.75 3.07
P/B 2.66 6.92 3.36
Price to free cash flow 12.76 n/m 17.12
EV/EBITDA 8.16 35.21 14.91
EV/Sales 2.72 3.58 3.03
Earnings yield 5.46% 0.49% 0.13%
Free cash flow yield 7.84% (0.40%) 1.15%

Profitability

Metric EVTC NYAX Software Infrastructure median
Gross margin 51.12% 47.80% 61.23%
Operating margin 17.93% 3.89% 0.00%
Net margin 9.80% 1.74% 0.00%
Free cash flow margin 13.51% (1.50%) 1.67%
Return on equity 15.49% 3.52% 0.59%
Return on assets 4.39% 1.01% 0.00%
Return on invested capital 6.80% 6.41% 0.00%

Growth

Metric EVTC NYAX Software Infrastructure median
Revenue growth (TTM) 12.36% 29.98% 13.41%
EPS growth (last fiscal year) 27.17% 687.50% —
Revenue growth, 5-year CAGR 12.79% 38.43% 15.81%
Net income growth, 5-year CAGR 6.28% 0.00% 0.00%

Health

Metric EVTC NYAX Software Infrastructure median
Debt to equity 2.00 1.47 0.06
Current ratio 1.70 2.12 1.55
Net debt to EBITDA 2.36 (1.25) 0.08

Dividend

Metric EVTC NYAX Software Infrastructure median
Dividend yield 0.25% — 1.53%
Payout ratio 0.06 — 0.00

Size

Metric EVTC NYAX Software Infrastructure median
Market cap 1.71b 1.67b 835.96m

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