Evertec

US · EVTC #2891 by market cap Listed 1970

28.96 -0.09 -0.31%

Live - 5344 symbols - heartbeat 469s ago · 2026-10-08 07:58

Pre-market 28.96 0.00%

After-hours 28.96 0.00%

Market cap: 1.73B
P/E (TTM): 18.81
P/B: 2.70
EPS: 2.20
Div yield: 0.69%
52W pos: 57%

Reader sentiment Are you bullish or bearish on EVTC?

Anonymous reader poll. Unscientific, not investment advice.

✦ Quant Financial Health how this is computed

Fair

Altman Z-Score is 1.96, in the 1.8-3.0 "grey zone".
Most reliable for industrial/manufacturing companies; less meaningful for banks, insurers and other financials.

Revenue annual, last 8 years

Latest year +10.21% YoY

Margins

Gross margin: 49.65%
Operating margin: 20.01%
Net margin: 15.20%

Key ratios & quality

Enterprise value: 2.52B
Altman Z-Score: 1.96

Altman Z-Score below ~1.8 suggests financial distress risk, above ~3.0 suggests low risk; the model is most reliable for industrial/manufacturing companies and less meaningful for banks and other financial firms.

Income statement

Line item	2018	2019	2020	2021	2022	2023	2024	2025
Revenue	453.87M	487.37M	510.59M	589.80M	618.41M	694.71M	845.49M	931.82M
Gross profit	256.91M	274.00M	283.72M	339.63M	325.79M	357.95M	439.07M	462.69M
Selling & admin expenses	68.72M	61.41M	70.81M	68.05M	89.77M	128.17M	145.56M	154.16M
Research & development	--	--	--	--	--	--	--	--
Operating profit	125.13M	144.50M	141.39M	196.51M	157.40M	136.16M	165.67M	186.44M
Pretax profit	99.17M	116.68M	123.85M	181.71M	267.85M	85.35M	119.63M	154.38M
Tax	12.60M	12.98M	19.00M	20.56M	28.98M	5.48M	4.85M	9.82M
Net profit	86.57M	103.70M	104.85M	161.14M	238.87M	79.88M	114.78M	144.56M
Basic EPS	1	1	1	2	3	1	2	2
Diluted EPS	1.16	1.41	1.43	2.21	3.45	1.21	1.73	2.20

Line item	2025-03	2025-06	2025-09	2025-12	2026-03	2026-06
Revenue	228.79M	229.61M	228.59M	244.83M	247.92M	274.82M
Gross profit	114.18M	119.55M	103.85M	125.12M	129.68M	150.58M
Selling & admin expenses	36.21M	35.10M	37.68M	45.17M	47.85M	57.31M
Research & development	--	--	--	--	--	--
Operating profit	49.50M	56.13M	37.73M	43.07M	44.57M	53.28M
Pretax profit	37.23M	45.04M	33.43M	38.68M	28.98M	27.15M
Tax	4.14M	4.07M	-31.00K	1.64M	4.23M	20.27M
Net profit	33.09M	40.97M	33.46M	37.04M	24.75M	6.88M
Basic EPS	1	1	1	1	0	0
Diluted EPS	0.50	0.62	0.51	0.56	0.38	0.09

Balance sheet

Line item	2018	2019	2020	2021	2022	2023	2024	2025
Total current assets	216.19M	276.02M	359.05M	436.35M	389.13M	561.35M	529.07M	590.77M
Cash & ST investments	69.97M	111.03M	202.65M	266.35M	185.27M	295.60M	273.65M	305.99M
Inventory	--	--	--	--	--	--	--	--
Total assets	927.29M	1.01B	1.07B	1.14B	1.13B	2.06B	1.86B	2.24B
Total current liabilities	136.71M	144.31M	152.99M	152.88M	208.41M	298.31M	279.66M	285.04M
Short-term debt	14.25M	20.02M	20.08M	25.33M	46.69M	30.56M	30.10M	39.75M
Long-term debt	524.06M	510.95M	481.04M	444.79M	389.50M	946.82M	931.56M	1.06B
Total liabilities	711,686,000.00	740,053,000.00	730,150,000.00	674,488,000.00	656,995,000.00	1,424,887,000.00	1,338,350,000.00	1,529,304,000.00
Total equity	215.61M	271.62M	342.43M	470.27M	474.75M	635.38M	519.26M	713.99M
Retained earnings	228.74M	296.48M	379.93M	506.05M	487.35M	538.90M	599.61M	687.70M

Line item	2025-03	2025-06	2025-09	2025-12	2026-03	2026-06
Total current assets	555.09M	570.64M	744.42M	590.77M	602.34M	586.14M
Cash & ST investments	265.86M	290.58M	474.74M	305.99M	290.89M	260.66M
Inventory	--	--	--	--	--	--
Total assets	1.92B	1.96B	2.15B	2.24B	2.30B	2.48B
Total current liabilities	279.57M	259.76M	256.18M	285.04M	306.23M	344.30M
Short-term debt	29.70M	28.76M	27.65M	39.75M	57.63M	70.63M
Long-term debt	919.96M	914.87M	1.06B	1.06B	1.05B	1.22B
Total liabilities	1,332,385,000.00	1,304,641,000.00	1,441,150,000.00	1,529,304,000.00	1,530,191,000.00	1,760,539,000.00
Total equity	585.12M	656.70M	708.02M	713.99M	765.82M	719.08M
Retained earnings	629.13M	666.39M	696.06M	687.70M	682.07M	643.97M

Cash flow

Line item	2018	2019	2020	2021	2022	2023	2024	2025
Operating cash flow	172.73M	179.95M	199.09M	228.42M	219.90M	211.19M	260.06M	227.01M
Depreciation & amortization	63.07M	68.08M	71.52M	75.07M	78.62M	93.62M	127.85M	122.09M
Free cash flow	131.42M	120.08M	150.45M	146.76M	137.37M	126.24M	171.64M	135.51M
Dividends paid	-7.27M	-14.42M	-14.38M	-14.41M	-13.77M	-13.03M	-12.87M	-12.78M
Stock buybacks / issuance	-10.00M	-31.82M	-7.30M	-24.39M	-96.60M	-36.10M	-82.29M	-69.29M
Ending cash balance	86.75M	131.12M	221.11M	285.92M	215.66M	343.72M	314.65M	348.13M

Line item	2025-03	2025-06	2025-09	2025-12	2026-03	2026-06
Operating cash flow	37.64M	48.49M	70.87M	70.01M	31.21M	59.48M
Depreciation & amortization	28.47M	31.83M	24.91M	36.87M	37.26M	42.95M
Free cash flow	15.37M	28.45M	45.25M	46.43M	8.53M	34.33M
Dividends paid	-3.18M	-3.20M	-3.20M	-3.20M	-3.09M	-3.03M
Stock buybacks / issuance	0	-3.69M	0	-65.60M	-20.01M	-47.04M
Ending cash balance	307.62M	332.98M	507.98M	348.13M	328.45M	304.20M

Returns & efficiency

Line item	2018	2019	2020	2021	2022	2023	2024	2025
ROE %	48.52	43.23	34.53	40.08	50.98	14.96	21.11	25.88
ROA %	9.43	10.67	10.02	14.53	21.00	5.00	5.75	6.91
ROIC %	14.80	16.28	14.77	19.81	27.61	8.16	11.36	12.00
5-year avg ROE %	63.87	59.68	48.90	42.12	43.47	36.76	32.33	30.60
EBIT margin %	28.47	29.85	29.17	34.68	47.32	16.94	22.99	23.89
FCF / sales %	28.95	24.64	29.47	27.38	22.77	20.05	20.30	14.54
Current ratio	1.58	1.91	2.35	2.85	1.87	1.88	1.89	2.07
Quick ratio	1.26	1.53	1.98	2.51	1.45	1.46	1.51	1.71
Debt / assets	58.05	54.92	48.81	42.50	39.49	47.88	52.03	50.39
LT debt / equity	247.83	200.47	149.06	98.93	84.89	160.84	198.19	175.45
Interest coverage	4.30	5.05	5.94	8.97	11.81	3.64	2.60	3.26
Revenue CAGR (3Y) %	6.71	7.76	7.84	9.12	8.26	10.81	12.75	14.64
Net income CAGR (3Y) %	0.35	11.30	23.79	23.15	32.19	-8.61	-11.25	-16.01
FCF CAGR (3Y) %	4.42	-1.54	10.23	3.75	4.59	-5.68	5.36	-0.45

Line item	2025-03	2025-06	2025-09	2025-12	2026-03	2026-06
ROE %	24.65	25.17	25.05	25.88	21.92	15.57
ROA %	6.61	7.16	7.22	6.91	6.30	4.39
ROIC %	12.02	12.61	12.21	12.00	11.03	8.06
5-year avg ROE %	--	--	--	--	--	--
EBIT margin %	24.39	24.97	24.99	23.89	22.59	20.12
FCF / sales %	19.35	15.84	16.12	14.54	13.53	13.51
Current ratio	1.99	2.20	2.91	2.07	1.97	1.70
Quick ratio	1.52	1.72	2.45	1.71	1.53	1.29
Debt / assets	49.82	48.37	50.78	50.39	49.43	53.41
LT debt / equity	170.76	150.23	160.26	175.45	161.21	195.45
Interest coverage	2.95	3.17	3.34	3.26	3.13	2.78
Revenue CAGR (3Y) %	--	--	--	--	--	--
Net income CAGR (3Y) %	--	--	--	--	--	--
FCF CAGR (3Y) %	--	--	--	--	--	--

✦ Quant Revenue Concentration how this is computed

Lead segment, long tail

Latin America Payments and Solutions is the largest reported line at 47.62% of revenue, across 5 reported segments.
Payment Services - Puerto Rico & Caribbean follows at 22.15%, so the top line still matters most but isn’t the whole story.

Revenue breakdown most recent period

Business

Latin America Payments and Solutions47.62%

Payment Services - Puerto Rico & Caribbean22.15%

Business Solutions21.40%

Merchant acquiring, net19.03%

Quote time 2026-10-08 07:58:35 · For reference only, not investment advice and not tailored to your situation.