EVTC
Neutral signalScored 2026-08-26 Drivers: Congress, fundamentals. Moteurs : Congrès, fondamentaux.
Research, not advice.
À propos
EVERTEC, Inc.
- Nom
- EVERTEC, Inc.
- Secteur
- Industrials
- Industrie
- Specialty Business Services
- Bourse
- NYSE
- Capitalisation
- $2.0B
- Employés
- 5,327
- PDG
- Morgan Schuessler Jr.
- Site web
- https://www.evertecinc.com
- Marché
- DVFIVNMQNTCTPAYOPGY
EVERTEC, Inc. specializes in transaction processing services, with a strong presence throughout Latin America and the Caribbean. The company's operations are divided into distinct segments: Payment Services for Puerto Rico & the Caribbean, Payment Services for Latin America, Merchant Acquiring, Business Solutions, and Corporate & Other. Among its core offerings are merchant acquiring services, which enable both brick-and-mortar and online businesses to securely accept and process various electronic payment options, such as debit, credit, prepaid, and Electronic Benefit Transfer (EBT) cards. EVERTEC also delivers extensive payment processing solutions designed to assist financial institutions and other issuers in managing and facilitating credit, debit, prepaid, automated teller machine (ATM), and EBT card programs. This includes critical functions like credit and debit card processing, transaction authorization and settlement, and advanced fraud detection and control mechanisms, alongside specific EBT services. Additionally, the company provides a suite of business process management (BPM) solutions. These offerings encompass services such as core bank processing, network hosting and management, IT consulting, business process outsourcing, item and cash processing, and fulfillment solutions, serving financial institutions, corporate enterprises, and government bodies. A key asset for EVERTEC is its ownership and operation of the ATH network, which serves as both an ATM and a PIN debit network. The company manages a sophisticated system of electronic payment networks capable of processing approximately three billion transactions annually. Services are primarily distributed through a dedicated direct sales force. Its broad clientele includes financial institutions, merchants, corporations, and government agencies. EVERTEC, Inc. was founded in 1988 and is headquartered in San Juan, Puerto Rico.
Price (1 year)
Live chart from TradingView — independent market data, as price context around the filings, not the Quorum score. EMA 50/200 and Bollinger load by default. When the exchange is known it is sent as EXCHANGE:SYMBOL; otherwise TradingView resolves the ticker best-effort.
VENTE TOTALE: 4 094 titres (~122 618,13 $ US)
- Insiders
- Polak Aldo J.
- Total bought
-
—
Avg buy (VWAP, 90d window) —
- Total sold
-
$1,510,475
Avg sell (VWAP, 90d window) $30.73 vs last close —
Total sold sums Form 4 code S in this window. Codes F, M, A and G are left out.
- Last activity
- 2026-09-03
- Last synced
-
2026-09-09 09:58:02
Sign in to request a sync of this company's price history and timing levels.
Insider holdings as a share of total assets aren't available for this company.
Avg buy and avg sell are volume-weighted prices (sum of shares × price, divided by shares) for Form 4 rows in this 90-day window that report both figures. A comparison with last close is market context for that average, not advice.
Recent Form 4
Filings in the 90-day window for this company. Value is shares × price from the filing. Research, not advice.
| Date | Person | Side | Shares | Price | Value | Form 4 |
|---|---|---|---|---|---|---|
| 2026-09-03 | Polak Aldo J. | Sell · S | 1,094 | $30.37 | $33,228 | Form 4 |
| 2026-08-28 | Polak Aldo J. | Sell · S | 1,000 | $30.09 | $30,090 | Form 4 |
| 2026-08-21 | Polak Aldo J. | Sell · S | 1,000 | $29.80 | $29,800 | Form 4 |
| 2026-08-14 | Perez-Surillo Paola | Sell · S | 17,486 | $31.56 | $551,888 | Form 4 |
| 2026-08-12 | Viglianco Diego | Sell · S | 27,570 | $30.32 | $835,969 | Form 4 |
| 2026-08-11 | Polak Aldo J. | Sell · S | 1,000 | $29.50 | $29,500 | Form 4 |
Congressional trades
STOCK Act disclosures (90-day window)
Amounts are STOCK Act brackets as disclosed. Quorum does not turn a bracket into an exact price or a midpoint.
No STOCK Act disclosures for this company in this window.
Recent trades
| Date | Representative | Type | Amount |
|---|---|---|---|
| 2025-06-17 | Lisa C. McClain | Sale (Full) | $1,001 - $15,000 |
| 2025-06-11 | Lisa C. McClain | Purchase | $1,001 - $15,000 |
Signal
Neutral signalScored 2026-08-26 Drivers: Congress, fundamentals. Moteurs : Congrès, fondamentaux.
EVTC presents a moderately compelling setup: a solid earnings catalyst (20% revenue growth, strong institutional accumulation) is partially offset by mixed fundamentals, with stabilizing margins but persistent…
The first sentence of the analysis written for EVTC on 2026-08-26 - a real excerpt, not a sample. The rest of it, the 0-100 score and the rating it produced are part of Plus. See plans.
Factor checklist — research, not advice
A check leans with a bullish reading. A cross leans against it. A dash is unavailable or mixed.
- Insider Pulls against a bullish reading. Selling cluster — sale value, no purchase value
- Congress Unavailable or mixed. 1 purchase disclosure year to date, a thin reading
- Narrative Unavailable or mixed. Stored narrative reading is in the neutral band
- Timing Unavailable or mixed. No stored price series
- Financial indicators Supports a bullish reading. Current ratio 2.07 · operating margin 20%
Market snapshot
Financial ratios
| Metric | Trend | 2025-12-31 | 2024-12-31 | 2023-12-31 | 2022-12-31 | 2021-12-31 |
|---|---|---|---|---|---|---|
| Gross Profit Margin | 49.7% | 51.9% | 51.5% | 52.7% | 57.6% | |
| Ebit Margin | 23.9% | 23.0% | 16.9% | 47.3% | 34.7% | |
| Ebitda Margin | 37.0% | 38.1% | 30.4% | 60.0% | 47.4% | |
| Operating Profit Margin | 20.0% | 19.6% | 19.6% | 25.5% | 33.3% | |
| Pretax Profit Margin | 16.6% | 14.1% | 12.3% | 43.3% | 30.8% | |
| Continuous Operations Profit Margin | 15.5% | 13.6% | 11.5% | 38.6% | 27.3% | |
| Net Profit Margin | 15.2% | 13.3% | 11.5% | 38.6% | 27.3% | |
| Bottom Line Profit Margin | 15.2% | 13.3% | 11.5% | 38.6% | 27.3% | |
| Current Ratio | 2.073 | 1.892 | 1.882 | 1.867 | 2.854 | |
| Quick Ratio | 2.073 | 1.892 | 1.882 | 1.867 | 2.606 | |
| Solvency Ratio | 0.172 | 0.180 | 0.122 | 0.483 | 0.350 | |
| Cash Ratio | 1.074 | 0.978 | 0.991 | 0.889 | 1.742 | |
| Price To Earnings Ratio | 13.104 | 19.731 | 33.285 | 9.305 | 22.312 | |
| Price To Earnings Growth Ratio | 0.488 | 0.467 | -0.515 | 0.168 | 0.410 | |
| Forward Price To Earnings Growth Ratio | 0.488 | 0.467 | -0.515 | 0.168 | 0.410 | |
| Price To Earnings Diluted Ratio | 13.223 | 19.960 | 33.835 | 9.386 | 22.615 | |
| Price To Earnings Diluted Growth Ratio | 0.487 | 0.464 | -0.521 | 0.167 | 0.415 | |
| Price To Book Ratio | 2.981 | 4.698 | 4.473 | 4.718 | 7.724 | |
| Price To Sales Ratio | 1.989 | 2.625 | 3.827 | 3.597 | 6.106 | |
| Price To Free Cash Flow Ratio | 13.676 | 12.933 | 21.057 | 16.194 | 24.538 | |
| Price To Operating Cash Flow Ratio | 8.163 | 8.536 | 12.587 | 10.116 | 15.766 | |
| Debt To Assets Ratio | 0.504 | 0.520 | 0.479 | 0.395 | 0.425 | |
| Debt To Equity Ratio | 1.818 | 2.046 | 1.660 | 0.948 | 1.044 | |
| Debt To Capital Ratio | 0.645 | 0.672 | 0.624 | 0.487 | 0.511 | |
| Long Term Debt To Capital Ratio | 0.630 | 0.663 | 0.614 | 0.452 | 0.488 | |
| Financial Leverage Ratio | 3.609 | 3.931 | 3.467 | 2.400 | 2.455 | |
| Working Capital Turnover Ratio | 3.357 | 3.300 | 3.131 | 2.664 | 2.410 | |
| Operating Cash Flow Ratio | 0.796 | 0.930 | 0.708 | 1.055 | 1.494 | |
| Operating Cash Flow Sales Ratio | 0.244 | 0.308 | 0.304 | 0.356 | 0.387 | |
| Free Cash Flow Operating Cash Flow Ratio | 0.597 | 0.660 | 0.598 | 0.625 | 0.643 | |
| Debt Service Coverage Ratio | 3.279 | 3.219 | 3.663 | 5.224 | 6.086 | |
| Interest Coverage Ratio | 2.731 | 2.217 | 4.213 | 6.354 | 8.615 | |
| Short Term Operating Cash Flow Coverage Ratio | 6.703 | 10.896 | 8.849 | 5.396 | 11.566 | |
| Operating Cash Flow Coverage Ratio | 0.201 | 0.269 | 0.214 | 0.492 | 0.469 | |
| Capital Expenditure Coverage Ratio | 2.481 | 2.941 | 2.486 | 2.664 | 2.797 | |
| Dividend Paid And Capex Coverage Ratio | 2.177 | 2.567 | 2.156 | 2.283 | 2.378 | |
| Dividend Payout Ratio | 0.090 | 0.114 | 0.163 | 0.058 | 0.089 | |
| Enterprise Value Multiple | 7.767 | 9.040 | 15.850 | 6.697 | 13.668 |
Sparkline shows each ratio oldest → newest (left → right).
How the latest year compares
For each ratio: its most recent value, the change versus one year earlier, and versus its 5-year average. ▲ higher ▼ lower
| Metric | Current | vs 1Y ago | vs 5Y avg |
|---|---|---|---|
| Gross Profit Margin | 49.6% | ▼-2.3% | ▼-3.0% |
| Ebit Margin | 23.9% | ▲0.9% | ▼-5.3% |
| Ebitda Margin | 37.0% | ▼-1.1% | ▼-5.6% |
| Operating Profit Margin | 20.0% | ▲0.4% | ▼-3.6% |
| Pretax Profit Margin | 16.6% | ▲2.4% | ▼-6.9% |
| Continuous Operations Profit Margin | 15.5% | ▲1.9% | ▼-5.8% |
| Net Profit Margin | 15.2% | ▲1.9% | ▼-6.0% |
| Bottom Line Profit Margin | 15.2% | ▲1.9% | ▼-6.0% |
| Current Ratio | 2.073 | ▲0.181 | ▼-0.041 |
| Quick Ratio | 2.073 | ▲0.181 | ▲0.009 |
| Solvency Ratio | 0.172 | ▼-0.007 | ▼-0.089 |
| Cash Ratio | 1.073 | ▲0.095 | ▼-0.061 |
| Price To Earnings Ratio | 13.104 | ▼-6.628 | ▼-6.444 |
| Price To Earnings Growth Ratio | 0.488 | ▲0.021 | ▲0.284 |
| Forward Price To Earnings Growth Ratio | 0.488 | ▲0.021 | ▲0.284 |
| Price To Earnings Diluted Ratio | 13.223 | ▼-6.737 | ▼-6.581 |
| Price To Earnings Diluted Growth Ratio | 0.487 | ▲0.022 | ▲0.284 |
| Price To Book Ratio | 2.981 | ▼-1.717 | ▼-1.938 |
| Price To Sales Ratio | 1.989 | ▼-0.637 | ▼-1.640 |
| Price To Free Cash Flow Ratio | 13.676 | ▲0.742 | ▼-4.004 |
| Price To Operating Cash Flow Ratio | 8.163 | ▼-0.372 | ▼-2.870 |
| Debt To Assets Ratio | 0.504 | ▼-0.016 | ▲0.039 |
| Debt To Equity Ratio | 1.819 | ▼-0.227 | ▲0.315 |
| Debt To Capital Ratio | 0.645 | ▼-0.026 | ▲0.058 |
| Long Term Debt To Capital Ratio | 0.630 | ▼-0.034 | ▲0.060 |
| Financial Leverage Ratio | 3.609 | ▼-0.322 | ▲0.436 |
| Working Capital Turnover Ratio | 3.357 | ▲0.057 | ▲0.385 |
| Operating Cash Flow Ratio | 0.796 | ▼-0.134 | ▼-0.200 |
| Operating Cash Flow Sales Ratio | 0.244 | ▼-0.064 | ▼-0.076 |
| Free Cash Flow Operating Cash Flow Ratio | 0.597 | ▼-0.063 | ▼-0.028 |
| Debt Service Coverage Ratio | 3.279 | ▲0.060 | ▼-1.015 |
| Interest Coverage Ratio | 2.731 | ▲0.514 | ▼-2.095 |
| Short Term Operating Cash Flow Coverage Ratio | 6.703 | ▼-4.193 | ▼-1.979 |
| Operating Cash Flow Coverage Ratio | 0.201 | ▼-0.068 | ▼-0.128 |
| Capital Expenditure Coverage Ratio | 2.481 | ▼-0.460 | ▼-0.193 |
| Dividend Paid And Capex Coverage Ratio | 2.177 | ▼-0.391 | ▼-0.135 |
| Dividend Payout Ratio | 0.090 | ▼-0.024 | ▼-0.013 |
| Enterprise Value Multiple | 7.767 | ▼-1.273 | ▼-2.838 |
Key metrics
| Metric | Trend | 2025 | 2024 | 2023 | 2022 | 2021 |
|---|---|---|---|---|---|---|
| Market cap | $1.85B | $2.22B | $2.66B | $2.22B | $3.60B | |
| Enterprise value | $2.68B | $2.91B | $3.35B | $2.49B | $3.82B | |
| EV / Sales | 2.87x | 3.44x | 4.82x | 4.02x | 6.48x | |
| EV / Op. cash flow | 11.79x | 11.20x | 15.86x | 11.31x | 16.73x | |
| EV / Free cash flow | 19.76x | 16.97x | 26.53x | 18.10x | 26.04x | |
| EV / EBITDA | 7.77x | 9.04x | 15.85x | 6.70x | 13.67x | |
| Net debt / EBITDA | 2.39x | 2.15x | 3.27x | 0.70x | 0.79x | |
| Current ratio | 2.07x | 1.89x | 1.88x | 1.87x | 2.85x | |
| Income quality | 1.57x | 2.27x | 2.64x | 0.92x | 1.42x | |
| Graham number | $22 | $17 | $16 | $23 | $18 | |
| Graham net-net | -$17 | -$15 | -$16 | -$6 | -$4 | |
| Tax burden | 91.7% | 94.1% | 93.4% | 89.2% | 88.7% | |
| Interest burden | 69.3% | 61.5% | 72.5% | 91.5% | 88.8% | |
| Working capital | $305.7M | $249.4M | $263.0M | $180.7M | $283.5M | |
| Invested capital | $1.85B | $1.48B | $1.65B | $876.7M | $959.8M | |
| Return on assets | 6.3% | 6.1% | 3.9% | 21.1% | 14.1% | |
| Operating ROA | 9.1% | 8.5% | 8.5% | 13.8% | 17.7% | |
| Return on tangible assets | 17.7% | 16.1% | 10.6% | 47.0% | 29.9% | |
| Return on equity | 22.8% | 23.8% | 13.4% | 50.7% | 34.6% | |
| Return on invested capital | 8.7% | 9.9% | 7.1% | 14.5% | 17.1% | |
| Return on capital employed | 9.5% | 10.5% | 7.7% | 17.0% | 19.8% | |
| Earnings yield | 7.6% | 5.1% | 3.0% | 10.7% | 4.5% | |
| Free cash flow yield | 7.3% | 7.7% | 4.7% | 6.2% | 4.1% | |
| Capex / Op. cash flow | 40.3% | 34.0% | 40.2% | 37.5% | 35.7% | |
| Capex / Depreciation | 74.9% | 69.2% | 90.7% | 105.0% | 108.8% | |
| Capex / Sales | 9.8% | 10.5% | 12.2% | 13.3% | 13.8% | |
| SG&A / Sales | 16.5% | 17.2% | 18.4% | 14.5% | 11.5% | |
| R&D / Sales | 0.0% | 0.0% | 0.0% | 0.0% | 0.0% | |
| Stock comp / Sales | 3.2% | 3.6% | 3.7% | 3.2% | 2.5% | |
| Intangibles / Total assets | 64.4% | 62.3% | 63.6% | 55.1% | 53.0% | |
| Days sales outstanding | 71d | 65d | 74d | 69d | 73d | |
| Days payables outstanding | 50d | 53d | 72d | 37d | 42d | |
| Operating cycle | 71d | 65d | 74d | 69d | 128d | |
| Cash conversion cycle | 21d | 12d | 2d | 32d | 86d |
Change by theme
Grouped by what each metric measures. Each figure is the change over the period shown — ▲ up ▼ down versus then.
Change over 1 year
Change over 5 years
Employee count
Peer market caps
Recent news
- 2026-08-31 EVTC vs. MA: Which Stock Is the Better Value Option? Investors looking for stocks in the Financial Transaction Services sector might want to consider either Evertec (EVTC) or MasterCard (MA). But which of these two stocks is more attractive to value investors?
- 2026-08-31 Is Evertec (EVTC) Stock Undervalued Right Now? Here at Zacks, our focus is on the proven Zacks Rank system, which emphasizes earnings estimates and estimate revisions to find great stocks. Nevertheless, we are always paying attention to the latest value, growth, and momentum trends to underscore strong picks.
- 2026-08-31 Is Evertec (EVTC) Stock Outpacing Its Business Services Peers This Year? Here is how Evertec (EVTC) and DLocal (DLO) have performed compared to their sector so far this year.
- 2026-08-25 Bank of America Corp DE Boosts Holdings in Evertec, Inc. $EVTC Bank of America Corp DE lifted its position in shares of Evertec, Inc. (NYSE: EVTC) by 104.7% in the undefined quarter, according to its most recent Form 13F filing with the Securities and Exchange Commission. The institutional investor owned 309,627 shares of the business services provider''s stock after acquiring an additional 158,370 shares
- 2026-08-13 Should Value Investors Buy Evertec (EVTC) Stock? Here at Zacks, our focus is on the proven Zacks Rank system, which emphasizes earnings estimates and estimate revisions to find great stocks. Nevertheless, we are always paying attention to the latest value, growth, and momentum trends to underscore strong picks.
- 2026-08-12 EVTC or MA: Which Is the Better Value Stock Right Now? Investors interested in stocks from the Financial Transaction Services sector have probably already heard of Evertec (EVTC) and MasterCard (MA). But which of these two stocks presents investors with the better value opportunity right now?
- 2026-08-12 Is Evertec (EVTC) Outperforming Other Business Services Stocks This Year? Here is how Evertec (EVTC) and Nexxen International Ltd. Sponsored ADR (NEXN) have performed compared to their sector so far this year.
- 2026-08-11 Evertec Establishes $250,000 Emergency Relief Fund to Support Earthquake Recovery in Colombia BOGOTÁ, Colombia--(BUSINESS WIRE)--Evertec (NYSE: EVTC), a leading financial technology and payments company in Latin America and the Caribbean, today announced the establishment of a USD $250,000 emergency relief fund to support communities affected by the recent earthquakes in Colombia. As part of this effort, Evertec will contribute the funds to selected nonprofit and humanitarian relief organizations supporting communities affected by the earthquakes. The contribution will help address both.
- 2026-08-05 Arrowstreet Capital Limited Partnership Grows Stake in Evertec, Inc. $EVTC Arrowstreet Capital Limited Partnership boosted its stake in shares of Evertec, Inc. (NYSE: EVTC) by 22.5% during the undefined quarter, according to its most recent disclosure with the Securities and Exchange Commission (SEC). The fund owned 105,012 shares of the business services provider''s stock after acquiring an additional 19,304 shares during the quarter.
- 2026-08-05 Evertec Q2 Earnings Call Highlights Evertec NYSE: EVTC reported second-quarter 2026 revenue of approximately $275 million, up 20% from a year earlier, as organic growth, recent acquisitions and favorable currency movements lifted results. On a constant-currency basis, revenue increased about 16%.