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Screener Weekly Summary Pricing

Evertec, Inc. (EVTC) vs Pagaya Technologies Ltd. (PGY)

Evertec, Inc. and Pagaya Technologies Ltd. are both Software Infrastructure companies. Evertec, Inc. and Pagaya Technologies Ltd. are of similar size ($1.7B and $1.6B). Pagaya Technologies Ltd. trades at the lower P/E: 11.7× against 18.3×. Pagaya Technologies Ltd. grew revenue faster over the last twelve months: 20.6% against 12.4%. Evertec, Inc. has the higher net margin (9.80% vs 9.11%) and the lower return on invested capital (6.80% vs 741.9%). Across the 22 metrics below, Pagaya Technologies Ltd. leads on 20 and Evertec, Inc. on 2.

Valuation

Metric EVTC PGY Software Infrastructure median
P/E 18.30 11.75 28.02
P/S 1.72 1.05 3.07
P/B 2.66 2.26 3.36
Price to free cash flow 12.76 5.82 17.12
EV/EBITDA 8.16 2.75 14.91
EV/Sales 2.72 0.74 3.03
Earnings yield 5.46% 8.51% 0.13%
Free cash flow yield 7.84% 17.18% 1.15%

Profitability

Metric EVTC PGY Software Infrastructure median
Gross margin 51.12% 43.39% 61.23%
Operating margin 17.93% 24.86% 0.00%
Net margin 9.80% 9.11% 0.00%
Free cash flow margin 13.51% 18.11% 1.67%
Return on equity 15.49% 22.68% 0.59%
Return on assets 4.39% 8.19% 0.00%
Return on invested capital 6.80% 741.93% 0.00%

Growth

Metric EVTC PGY Software Infrastructure median
Revenue growth (TTM) 12.36% 20.55% 13.41%
EPS growth (last fiscal year) 27.17% 116.43% —
Revenue growth, 5-year CAGR 12.79% 67.40% 15.81%
Net income growth, 5-year CAGR 6.28% 75.33% 0.00%

Health

Metric EVTC PGY Software Infrastructure median
Debt to equity 2.00 1.12 0.06
Current ratio 1.70 11.08 1.55
Net debt to EBITDA 2.36 (1.90) 0.08

Dividend

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

Size

Metric EVTC PGY Software Infrastructure median
Market cap 1.71b 1.59b 835.96m

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