Evertec (EVTC)
Market Price (7/23/2026): $29.3 | Market Cap: $1.8 BilSector: Financials | Industry: Transaction & Payment Processing Services
Evertec (EVTC)
Market Price (7/23/2026): $29.3Market Cap: $1.8 BilSector: FinancialsIndustry: Transaction & Payment Processing Services
Investment Highlights Why It Matters Detailed financial logic regarding cash flow yields vs trend-riding momentum.
Attractive yieldTotal YieldTotal Yield = Earnings Yield + Dividend Yield, Earnings Yield = Net Income / Market Cap Dividend Yield = Total Dividends / Market Cap is 8.0%, ERPEquity Risk Premium (ERP) = Total Yield - Risk Free Rate, Reflects the premium above risk free assets offered by the investment. is 3.6%, FCF Yield is 7.1% Attractive cash flow generationCFO/Rev LTMCash Flow from Operations / Revenue (Sales), Last Twelve Months (LTM) is 23%, FCF/Rev LTMFree Cash Flow / Revenue (Sales), Last Twelve Months (LTM) is 14% Low stock price volatilityVol 12M is 39% Megatrend and thematic driversMegatrends include Fintech & Digital Payments, and AI in Financial Services. Themes include Digital Payments, and AI for Fraud Detection. | Weak multi-year price returns2Y Excs Rtn is -49%, 3Y Excs Rtn is -90% | Key risksEVTC key risks include [1] a heavy geographical concentration in politically and economically unstable Puerto Rico and [2] a significant revenue dependency on contract renegotiations with its major customer, Show more. |
| Attractive yieldTotal YieldTotal Yield = Earnings Yield + Dividend Yield, Earnings Yield = Net Income / Market Cap Dividend Yield = Total Dividends / Market Cap is 8.0%, ERPEquity Risk Premium (ERP) = Total Yield - Risk Free Rate, Reflects the premium above risk free assets offered by the investment. is 3.6%, FCF Yield is 7.1% |
| Attractive cash flow generationCFO/Rev LTMCash Flow from Operations / Revenue (Sales), Last Twelve Months (LTM) is 23%, FCF/Rev LTMFree Cash Flow / Revenue (Sales), Last Twelve Months (LTM) is 14% |
| Low stock price volatilityVol 12M is 39% |
| Megatrend and thematic driversMegatrends include Fintech & Digital Payments, and AI in Financial Services. Themes include Digital Payments, and AI for Fraud Detection. |
| Weak multi-year price returns2Y Excs Rtn is -49%, 3Y Excs Rtn is -90% |
| Key risksEVTC key risks include [1] a heavy geographical concentration in politically and economically unstable Puerto Rico and [2] a significant revenue dependency on contract renegotiations with its major customer, Show more. |
Qualitative Assessment
AI Analysis | Feedback
Evertec (EVTC) stock has gained about 5% since 3/31/2026 because of the following key factors:
1. Evertec raised its full-year 2026 financial outlook, signaling management's confidence in future growth despite a slight miss in fiscal Q1 2026 earnings. The company now anticipates full-year revenue between $1,073 million and $1,085 million, representing a growth of approximately 15.1% to 16.4%, an increase from its prior expectation of 9.9% to 11.2%. Adjusted earnings per common share for fiscal year 2026 are also expected to rise to between $3.86 and $3.98, an increase of 6.6% to 9.9% from previous guidance.
2. Strategic acquisitions and partnerships have expanded Evertec's presence and operational scope in key Latin American markets. The completion of the Dimensa S.A. acquisition in fiscal Q1 2026 contributed to the increased full-year outlook and broadened the company's footprint in the Brazilian financial sector. Additionally, Evertec signed a strategic agreement with Transbank in Chile in May 2026, positioning the company to operate Transbank's transactional scope, platforms, and services.
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Evertec (EVTC) stock has gained about 5% since 3/31/2026 because of the following key factors:
1. Evertec raised its full-year 2026 financial outlook, signaling management's confidence in future growth despite a slight miss in fiscal Q1 2026 earnings. The company now anticipates full-year revenue between $1,073 million and $1,085 million, representing a growth of approximately 15.1% to 16.4%, an increase from its prior expectation of 9.9% to 11.2%. Adjusted earnings per common share for fiscal year 2026 are also expected to rise to between $3.86 and $3.98, an increase of 6.6% to 9.9% from previous guidance.
2. Strategic acquisitions and partnerships have expanded Evertec's presence and operational scope in key Latin American markets. The completion of the Dimensa S.A. acquisition in fiscal Q1 2026 contributed to the increased full-year outlook and broadened the company's footprint in the Brazilian financial sector. Additionally, Evertec signed a strategic agreement with Transbank in Chile in May 2026, positioning the company to operate Transbank's transactional scope, platforms, and services.
3. Evertec demonstrated solid revenue growth in fiscal Q1 2026. The company reported an 8% increase in total revenue to $247.9 million (approximately 5% on a constant currency basis) for the quarter ended March 31, 2026, compared to the prior year. This growth was primarily driven by organic expansion across most of the company's segments and contributions from an acquisition completed in the fourth quarter of the prior year.
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Stock Movement Drivers
Fundamental Drivers
The 4.0% change in EVTC stock from 3/31/2026 to 7/22/2026 was primarily driven by a 8.8% change in the company's P/E Multiple.| (LTM values as of) | 3312026 | 7222026 | Change |
|---|---|---|---|
| Stock Price ($) | 28.16 | 29.29 | 4.0% |
| Change Contribution By: | |||
| Total Revenues ($ Mil) | 932 | 951 | 2.1% |
| Net Income Margin (%) | 15.2% | 13.9% | -8.2% |
| P/E Multiple | 12.5 | 13.6 | 8.8% |
| Shares Outstanding (Mil) | 63 | 62 | 2.0% |
| Cumulative Contribution | 4.0% |
Market Drivers
3/31/2026 to 7/22/2026| Return | Correlation | |
|---|---|---|
| EVTC | 4.0% | |
| Market (SPY) | 14.9% | 16.7% |
| Sector (XLF) | 13.5% | 43.4% |
Fundamental Drivers
The 1.1% change in EVTC stock from 12/31/2025 to 7/22/2026 was primarily driven by a 7.5% change in the company's P/E Multiple.| (LTM values as of) | 12312025 | 7222026 | Change |
|---|---|---|---|
| Stock Price ($) | 28.98 | 29.29 | 1.1% |
| Change Contribution By: | |||
| Total Revenues ($ Mil) | 903 | 951 | 5.3% |
| Net Income Margin (%) | 16.2% | 13.9% | -13.8% |
| P/E Multiple | 12.7 | 13.6 | 7.5% |
| Shares Outstanding (Mil) | 64 | 62 | 3.5% |
| Cumulative Contribution | 1.1% |
Market Drivers
12/31/2025 to 7/22/2026| Return | Correlation | |
|---|---|---|
| EVTC | 1.1% | |
| Market (SPY) | 9.9% | 19.3% |
| Sector (XLF) | 2.9% | 38.4% |
Fundamental Drivers
The -18.2% change in EVTC stock from 6/30/2025 to 7/22/2026 was primarily driven by a -22.6% change in the company's P/E Multiple.| (LTM values as of) | 6302025 | 7222026 | Change |
|---|---|---|---|
| Stock Price ($) | 35.80 | 29.29 | -18.2% |
| Change Contribution By: | |||
| Total Revenues ($ Mil) | 869 | 951 | 9.4% |
| Net Income Margin (%) | 14.9% | 13.9% | -6.3% |
| P/E Multiple | 17.6 | 13.6 | -22.6% |
| Shares Outstanding (Mil) | 64 | 62 | 3.1% |
| Cumulative Contribution | -18.2% |
Market Drivers
6/30/2025 to 7/22/2026| Return | Correlation | |
|---|---|---|
| EVTC | -18.2% | |
| Market (SPY) | 22.0% | 21.0% |
| Sector (XLF) | 8.3% | 39.9% |
Fundamental Drivers
The -19.0% change in EVTC stock from 6/30/2023 to 7/22/2026 was primarily driven by a -61.9% change in the company's Net Income Margin (%).| (LTM values as of) | 6302023 | 7222026 | Change |
|---|---|---|---|
| Stock Price ($) | 36.17 | 29.29 | -19.0% |
| Change Contribution By: | |||
| Total Revenues ($ Mil) | 628 | 951 | 51.4% |
| Net Income Margin (%) | 36.7% | 13.9% | -61.9% |
| P/E Multiple | 10.2 | 13.6 | 33.6% |
| Shares Outstanding (Mil) | 65 | 62 | 5.1% |
| Cumulative Contribution | -19.0% |
Market Drivers
6/30/2023 to 7/22/2026| Return | Correlation | |
|---|---|---|
| EVTC | -19.0% | |
| Market (SPY) | 74.6% | 33.7% |
| Sector (XLF) | 73.7% | 45.7% |
Price Returns Compared
| 2021 | 2022 | 2023 | 2024 | 2025 | 2026 | Total [1] | |
|---|---|---|---|---|---|---|---|
| Returns | |||||||
| EVTC Return | 28% | -35% | 27% | -15% | -15% | 4% | -21% |
| Peers Return | -29% | -21% | 28% | 7% | -4% | -16% | -38% |
| S&P 500 Return | 27% | -19% | 24% | 23% | 16% | 10% | 100% |
Monthly Win Rates [3] | |||||||
| EVTC Win Rate | 58% | 25% | 58% | 25% | 42% | 57% | |
| Peers Win Rate | 48% | 47% | 58% | 57% | 47% | 37% | |
| S&P 500 Win Rate | 75% | 42% | 67% | 75% | 67% | 57% | |
Max Drawdowns [4] | |||||||
| EVTC Max Drawdown | -13% | -39% | -23% | -30% | -29% | -28% | |
| Peers Max Drawdown | -41% | -38% | -26% | -24% | -38% | -34% | |
| S&P 500 Max Drawdown | -5% | -25% | -10% | -8% | -19% | -9% | |
[1] Cumulative total returns since the beginning of 2021
[2] Peers: FISV, FIS, GPN, JKHY, STNE. See EVTC Returns vs. Peers.
[3] Win Rate = % of calendar months in which monthly returns were positive
[4] Max drawdown represents maximum peak-to-trough decline within a year
[5] 2026 data is for the year up to 7/22/2026 (YTD)
How Low Can It Go
| Event | EVTC | S&P 500 |
|---|---|---|
| Summer-Fall 2023 Five Percent Yield Shock | ||
| % Loss | -23.0% | -9.5% |
| % Gain to Breakeven | 29.8% | 10.5% |
| Time to Breakeven | 49 days | 24 days |
| 2023 SVB Regional Banking Crisis | ||
| % Loss | -12.4% | -6.7% |
| % Gain to Breakeven | 14.2% | 7.1% |
| Time to Breakeven | 22 days | 31 days |
| 2020 COVID-19 Crash | ||
| % Loss | -45.7% | -33.7% |
| % Gain to Breakeven | 84.1% | 50.9% |
| Time to Breakeven | 149 days | 140 days |
| 2016-2017 Trump Reflation Bond Selloff | ||
| % Loss | -15.9% | -3.7% |
| % Gain to Breakeven | 18.9% | 3.9% |
| Time to Breakeven | 19 days | 6 days |
| 2015-2016 China Devaluation / Global Growth Scare | ||
| % Loss | -40.6% | -12.2% |
| % Gain to Breakeven | 68.2% | 13.9% |
| Time to Breakeven | 530 days | 62 days |
| 2014-2016 Oil Price Collapse | ||
| % Loss | -47.8% | -6.8% |
| % Gain to Breakeven | 91.6% | 7.3% |
| Time to Breakeven | 820 days | 15 days |
In The Past
Evertec's stock fell -6.1% during the 2025 US Tariff Shock. Such a loss loss requires a 6.4% gain to breakeven.
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| Event | EVTC | S&P 500 |
|---|---|---|
| Summer-Fall 2023 Five Percent Yield Shock | ||
| % Loss | -23.0% | -9.5% |
| % Gain to Breakeven | 29.8% | 10.5% |
| Time to Breakeven | 49 days | 24 days |
| 2020 COVID-19 Crash | ||
| % Loss | -45.7% | -33.7% |
| % Gain to Breakeven | 84.1% | 50.9% |
| Time to Breakeven | 149 days | 140 days |
| 2015-2016 China Devaluation / Global Growth Scare | ||
| % Loss | -40.6% | -12.2% |
| % Gain to Breakeven | 68.2% | 13.9% |
| Time to Breakeven | 530 days | 62 days |
| 2014-2016 Oil Price Collapse | ||
| % Loss | -47.8% | -6.8% |
| % Gain to Breakeven | 91.6% | 7.3% |
| Time to Breakeven | 820 days | 15 days |
In The Past
Evertec's stock fell -6.1% during the 2025 US Tariff Shock. Such a loss loss requires a 6.4% gain to breakeven.
Preserve Wealth
Limiting losses and compounding gains is essential to preserving wealth.
Asset Allocation
Actively managed asset allocation strategies protect wealth. Learn more.
About Evertec (EVTC)
Evertec (EVTC) is a leading transaction processing company primarily serving financial institutions, merchants, corporations, and government agencies across Latin America and the Caribbean, with a significant presence in Puerto Rico. The company plays a crucial role in the region's digital payment ecosystem by enabling and facilitating electronic financial transactions.
Its core services include merchant acquiring, which allows businesses (both physical and online) to accept various electronic payment methods like credit, debit, prepaid, and EBT cards. Evertec also provides comprehensive payment processing services to financial institutions, helping them manage and support their credit, debit, prepaid, and ATM card programs, including authorization, settlement, and fraud monitoring. The company further owns and operates the ATH network, a key ATM and PIN debit network in the region.
Beyond payment processing, Evertec offers a suite of business process management solutions. These include core bank processing, IT consulting, network hosting, and business process outsourcing tailored for financial institutions, corporate clients, and government entities. Through these offerings, Evertec provides essential technology and infrastructure that underpins a wide array of financial and business operations for its diverse customer base.
AI Analysis | Feedback
Here are 1-3 brief analogies to describe Evertec:
A regional Visa or Mastercard for Latin America and the Caribbean.
A combination of Square and Fiserv for the Latin American and Caribbean financial sector.
AI Analysis | Feedback
- Merchant Acquiring Services: Enables merchants to accept and process various electronic payment methods, including debit, credit, prepaid, and EBT cards, at point-of-sale and online.
- Payment Processing Services (for Issuers): Provides comprehensive services for financial institutions and other issuers to manage and facilitate processing for credit, debit, prepaid, ATM, and EBT card programs, including authorization, settlement, and fraud monitoring.
- Business Process Management Solutions: Offers a range of services such as core bank processing, network hosting and management, IT consulting, business process outsourcing, item and cash processing, and fulfillment solutions for financial institutions, corporations, and government customers.
- ATH Network: Owns and operates a proprietary automated teller machine (ATM) and personal identification number (PIN) debit network, facilitating electronic transactions.
AI Analysis | Feedback
Evertec (EVTC) primarily sells its services to other companies and organizations, rather than directly to individuals. Based on the provided company description, its major customer categories are:
- Financial Institutions
- Merchants
- Corporations
- Government Agencies
The provided company description does not list specific names of customer companies.
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Morgan M. “Mac” Schuessler, President & Chief Executive Officer
Mac Schuessler was appointed President and CEO of Evertec in April 2015. He brings over 25 years of global experience in technology and payments. Prior to joining Evertec, he served as President of International for Global Payments Inc., overseeing operations in 23 countries across Europe and Asia. Schuessler also held various leadership positions at American Express, Inc., including Vice President, Global Purchasing Solutions. He has served on the boards of international payments organizations, such as UnionPay International, and currently serves on the board of Deluxe Corporation (NYSE: DLX) and several nonprofit organizations.
Karla Cruz Jusino, Executive Vice President & Chief Financial Officer
Karla Cruz Jusino will assume the role of Executive Vice President and Chief Financial Officer, effective November 1, 2025. She joined Evertec in July 2019 and has held various leadership roles within the finance organization, including Senior Vice President and Chief Accounting Officer. With over 18 years of experience in auditing and finance, she previously worked as an assurance director at PwC.
Joaquin Castrillo, Senior Executive Vice President & Chief Operating Officer
Joaquin Castrillo will be promoted to Senior Executive Vice President and Chief Operating Officer, effective November 1, 2025. He has been with Evertec since 2012 and previously served as Chief Financial Officer & Treasurer from 2018 through 2025. Before joining Evertec, Castrillo worked as an Audit Manager in the Banking & Capital Markets group at PwC.
Diego Viglianco, Executive Vice President & Chief Information Officer
Diego Viglianco joined Evertec in 2021 and has over 30 years of experience in technology, operations, and payments. Prior to Evertec, he served as Chief Executive Officer of Interbanking S.A., a digital financial ACH and real-time payments provider in Argentina. His career also includes senior leadership roles at Prisma Medios de Pago, Mastercard, and PROSA (Promoción y Operación S.A. de C.V.).
Alberto López Gaffney, Executive Vice President & Chief Strategy & Corporate Development Officer
Alberto López Gaffney joined Evertec in 2023 and brings over 25 years of experience in corporate finance, investment banking, and executive leadership across the Americas. He previously served as Chief Financial Officer of Despegar.com, a leading Latin American travel technology company. From 2017 to 2018, he was CFO of TGLT S.A., where he led the acquisition and integration of Argentina's largest construction company. Earlier in his career, he held senior roles at Itaú BBA as Head of Investment Banking for Latin America and at Morgan Stanley in New York.
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The key risks to Evertec (EVTC) include:
- Dependence on Popular, Inc. (Client Concentration Risk): A significant portion of Evertec's revenue, approximately 31% in fiscal year 2024, is generated from its relationship with Popular, Inc. and its subsidiary, Banco Popular de Puerto Rico. The Master Services Agreement (MSA) governing this relationship is crucial for the company's financial health, and its expiration in 2027, along with potential contract renegotiations and scheduled discounts for some services (e.g., a 10% discount to Banco Popular in 2026), presents a substantial risk to future revenues.
- Geographic Concentration and Economic/Political Instability: Evertec's operations are heavily concentrated in Puerto Rico and extend across Latin America and the Caribbean. This geographic focus exposes the company to considerable macroeconomic and political risks, including economic downturns, currency volatility (which caused a 3.3% drag on revenue growth in Q1 2025), and political instability in key markets like Brazil and Chile. Furthermore, the company faces risks from natural disasters and fiscal challenges within Puerto Rico, which can impact its contracts and revenues.
- Intense Competition and Evolving Regulatory Landscape: The payment processing and financial technology sectors in which Evertec operates are highly competitive, featuring global players such as Visa and numerous local fintech companies that can exert pressure on pricing and market share. Additionally, Evertec must navigate complex and rapidly evolving regulatory environments across various jurisdictions, encompassing data privacy, security laws, anti-money laundering (AML) regulations, and emerging AI regulatory frameworks. Failure to comply with these diverse regulations could lead to significant legal liabilities and reputational damage. The potential loss of preferential tax rates in Puerto Rico also poses a material risk.
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The rapid adoption of non-card-based digital payment solutions and fintech platforms that bypass traditional card networks and acquiring infrastructure. This includes the proliferation of QR code payment systems, app-based peer-to-peer (P2P) payment networks, government-backed instant payment systems, and direct bank transfer solutions, which could erode Evertec's transaction volumes and revenue streams derived from its core card processing, merchant acquiring, and ATH network services.
AI Analysis | Feedback
Evertec (NYSE: EVTC) operates in several key markets across Latin America and the Caribbean, providing a range of transaction processing and financial technology services. The addressable markets for its main products and services are significant within this region.
For its Payment Services and Merchant Acquiring offerings, which encompass merchant acquiring, payment processing for financial institutions, and electronic benefit transfer (EBT) card processing, the overall Latin American payments market presents a substantial opportunity. This market was valued at approximately USD 715.28 billion in 2024 and is projected to expand to USD 1,704.62 billion by 2033. This broad market includes point-of-sale (POS) transactions, mobile and online payments, card-based transfers, digital wallets, and real-time payment systems. More specifically, the payment processing solutions market in Latin America generated revenues of USD 4,759.7 million in 2023 and is forecast to grow to US$ 13,498.8 million by 2030. Digital payments in Latin America are expected to exceed US$300 billion by 2027. The South American real-time payments market alone is valued at USD 6.34 trillion in 2026 and is projected to reach USD 8.29 trillion by 2031.
In the realm of Business Process Management (BPM) Solutions, which include core bank processing, network hosting, IT consulting, and business process outsourcing, the Latin America Business Process Management Solution Market was valued at USD 616.79 million in 2024. This market is anticipated to grow to USD 1,424.76 million by 2032, exhibiting a compound annual growth rate (CAGR) of 10.98% between 2026 and 2032.
Evertec's ownership and operation of the ATH network, an automated teller machine (ATM) and personal identification number (PIN) debit network, taps into the Latin American ATM market. This market generated revenues of USD 2,994.9 million in 2024 and is expected to reach US$ 3,382.1 million by 2030.
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Evertec (symbol: EVTC) is expected to drive future revenue growth over the next 2-3 years through several key strategies:
- Continued Expansion in Latin America through Acquisitions and New Client Wins: Evertec is heavily focused on expanding its presence in Latin America. Recent acquisitions, such as Sinqia and Tecnobank, and the planned acquisition of Dimensa in Brazil, are significant contributors to revenue growth in the Latin America Payments & Solutions segment. The company is also securing new client relationships, exemplified by providing acquiring, processing, and risk monitoring services to Banco de Chile. Evertec anticipates that over 40% of its revenues will be generated outside of Puerto Rico in 2026, underscoring the importance of this geographical expansion.
- Strong Organic Growth from Transaction Volumes and ATH Móvil Business: The company is experiencing consistent organic growth, particularly driven by increased transaction volumes across its payment services. The ATH Móvil Business continues to be a significant contributor, with strong year-over-year increases in transactions and the ongoing signing of new merchants.
- Development and Cross-selling of New Products and Services, including AI-driven Solutions: Evertec aims to leverage its comprehensive product suite to cross-sell to existing customers and attract new clients. The planned Dimensa acquisition is expected to further advance Evertec's product offerings and customer base, especially in Brazil. Furthermore, the company has emphasized its commitment to artificial intelligence with a comprehensive AI strategy, including AI-embedded products and AI operational innovation, indicating future growth from technological advancements.
- Return to Growth in Business Solutions Segment: The Business Solutions segment has shown a return to growth, contributing positively to overall revenue, which is expected to continue. This segment provides critical business process management solutions to financial institutions, corporations, and government customers, and its recovery and expansion are key for diversified revenue streams.
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Share Repurchases
- Evertec repurchased 2,331,064 shares of its common stock for $69.3 million during the full year ended December 31, 2025.
- In February 2026, the Board of Directors approved an increase to the share repurchase authorization to an aggregate of $150 million, extending the program until December 31, 2027.
- Prior to this increase, approximately $85 million remained available for future repurchases under the program at year-end 2025.
Outbound Investments
- In the fourth quarter of 2025, Evertec completed the acquisition of a 75% stake in Tecnobank Tecnologia Bancária S.A., a Brazilian fintech, for approximately US$144 million to US$148 million.
- In February 2026, Evertec announced a definitive agreement to acquire Dimensa, S.A., a B2B technology provider in Brazil, for approximately USD $181 million, with the transaction expected to close in the second quarter of 2026.
- These acquisitions are part of Evertec's strategy to expand its presence and product offerings in Latin America, particularly in Brazil.
Capital Expenditures
- Capital expenditures for the full year 2025 were approximately $23 million.
- For 2026, capital expenditures are anticipated to be approximately $90 million.
- The primary focus of these expenditures is on innovation, platform modernization, and investing in the business and its products.
Latest Trefis Analyses
| Title | Date | |
|---|---|---|
| DASHBOARDS | ||
| How Low Can Evertec Stock Really Go? | 10/17/2025 | |
| EVTC Dip Buy Analysis | 07/10/2025 | |
| Evertec Total Shareholder Return (TSR): -14.5% in 2024 and -10.5% 3-yr compounded annual returns (below peer average) | 03/07/2025 | |
| Evertec (EVTC) Operating Cash Flow Comparison | 02/17/2025 | |
| Evertec (EVTC) Net Income Comparison | 02/15/2025 | |
| Evertec (EVTC) Operating Income Comparison | 02/14/2025 | |
| Evertec (EVTC) Revenue Comparison | 02/13/2025 | |
| Evertec vs. S&P500 Correlation | 10/03/2024 | |
| Evertec Price Volatility | 09/24/2024 | |
| Better Bet Than EVTC Stock: Pay Less Than Evertec To Get More From S&P 500 Stocks EOG, ALB | 10/31/2023 | |
| ARTICLES | ||
| Stocks Trading At 52-Week Low | 02/11/2026 | |
| PYPL’s 8.7% One Day Dip Begs The Question: Is EVTC Better Instead? | 07/30/2025 |
Research & Analysis
Invest in Strategies
Wealth Management
Peer Comparisons
| Peers to compare with: |
Financials
| Median | |
|---|---|
| Name | |
| Mkt Price | 45.38 |
| Mkt Cap | 15.7 |
| Rev LTM | 10,153 |
| Op Inc LTM | 1,509 |
| FCF LTM | 1,558 |
| FCF 3Y Avg | 1,077 |
| CFO LTM | 2,442 |
| CFO 3Y Avg | 1,536 |
Growth & Margins
| Median | |
|---|---|
| Name | |
| Rev Chg LTM | 10.8% |
| Rev Chg 3Y Avg | 6.3% |
| Rev Chg Q | 8.6% |
| QoQ Delta Rev Chg LTM | 2.1% |
| Op Inc Chg LTM | 4.3% |
| Op Inc Chg 3Y Avg | 10.5% |
| Op Mgn LTM | 21.8% |
| Op Mgn 3Y Avg | 21.5% |
| QoQ Delta Op Mgn LTM | -0.9% |
| CFO/Rev LTM | 25.7% |
| CFO/Rev 3Y Avg | 27.4% |
| FCF/Rev LTM | 17.0% |
| FCF/Rev 3Y Avg | 18.2% |
Segment Financials
Revenue by Segment| $ Mil | 2025 | 2024 | 2023 | 2022 | 2021 |
|---|---|---|---|---|---|
| Latin America Payments and Solutions | 369 | 303 | 187 | 128 | 106 |
| Business Solutions | 250 | 244 | 227 | 235 | 244 |
| Payment Services - Puerto Rico & Caribbean | 223 | 215 | 203 | 178 | 155 |
| Merchant Acquiring, net | 190 | 180 | 162 | 151 | 144 |
| Intersegment revenues | -101 | -97 | -84 | ||
| Corporate and Other | -75 | -59 | |||
| Total | 932 | 845 | 695 | 618 | 590 |
| $ Mil | 2016 | 2015 | 2014 | 2013 | 2012 |
|---|---|---|---|---|---|
| Business Solutions | 57 | ||||
| Payment Processing | 52 | ||||
| Merchant Acquiring, net | 31 | ||||
| Corporate and Other | -33 | ||||
| Business solutions | 50 | 48 | 42 | 40 | |
| Merchant acquiring, net | 36 | 34 | 35 | 34 | |
| Other | -39 | -44 | -46 | -48 | |
| Payment processing | 55 | 60 | 54 | 54 | |
| Total | 107 | 103 | 97 | 86 | 80 |
Price Behavior
| Market Price | $29.29 | |
| Market Cap ($ Bil) | 1.8 | |
| First Trading Date | 04/12/2013 | |
| Distance from 52W High | -21.8% | |
| 50 Days | 200 Days | |
| DMA Price | $26.21 | $28.21 |
| DMA Trend | down | down |
| Distance from DMA | 11.7% | 3.8% |
| 3M | 1YR | |
| Volatility | 53.8% | 39.3% |
| Downside Capture | 56.09 | 77.83 |
| Upside Capture | 26.46 | 45.75 |
| Correlation (SPY) | 11.9% | 20.5% |
| 1M | 2M | 3M | 6M | 1Y | 3Y | |
|---|---|---|---|---|---|---|
| Beta | 0.89 | 0.62 | 0.68 | 0.66 | 0.68 | 0.73 |
| Up Beta | 2.33 | 2.13 | 1.11 | 0.90 | 0.75 | 0.87 |
| Down Beta | 0.76 | 0.05 | -0.10 | 0.48 | 0.60 | 0.62 |
| Up Capture | 141% | 18% | 44% | 49% | 36% | 26% |
| Bmk +ve Days | 11 | 24 | 40 | 67 | 140 | 429 |
| Stock +ve Days | 13 | 24 | 37 | 68 | 125 | 383 |
| Down Capture | -13% | 73% | 106% | 84% | 99% | 95% |
| Bmk -ve Days | 10 | 17 | 23 | 58 | 112 | 321 |
| Stock -ve Days | 8 | 17 | 26 | 57 | 125 | 366 |
[1] Upside and downside betas calculated using positive and negative benchmark daily returns respectively
Based On 1-Year Data
| Annualized Return | Annualized Volatility | Sharpe Ratio | Correlation with EVTC | |
|---|---|---|---|---|
| EVTC | -11.8% | 39.2% | -0.23 | - |
| Sector ETF (XLF) | 8.3% | 14.6% | 0.33 | 39.2% |
| Equity (SPY) | 20.0% | 12.6% | 1.16 | 20.6% |
| Gold (GLD) | 21.2% | 28.1% | 0.67 | -6.5% |
| Commodities (DBC) | 33.0% | 19.1% | 1.36 | -11.3% |
| Real Estate (VNQ) | 13.9% | 14.0% | 0.70 | 21.2% |
| Bitcoin (BTCUSD) | -43.6% | 42.9% | -1.21 | 14.8% |
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Based On 5-Year Data
| Annualized Return | Annualized Volatility | Sharpe Ratio | Correlation with EVTC | |
|---|---|---|---|---|
| EVTC | -7.3% | 31.3% | -0.20 | - |
| Sector ETF (XLF) | 10.8% | 18.5% | 0.45 | 49.1% |
| Equity (SPY) | 12.8% | 17.1% | 0.58 | 44.2% |
| Gold (GLD) | 17.3% | 18.4% | 0.76 | 0.5% |
| Commodities (DBC) | 9.3% | 19.5% | 0.37 | 6.4% |
| Real Estate (VNQ) | 2.7% | 18.9% | 0.04 | 42.9% |
| Bitcoin (BTCUSD) | 15.2% | 53.5% | 0.46 | 20.5% |
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Based On 10-Year Data
| Annualized Return | Annualized Volatility | Sharpe Ratio | Correlation with EVTC | |
|---|---|---|---|---|
| EVTC | 6.8% | 33.0% | 0.28 | - |
| Sector ETF (XLF) | 13.5% | 22.0% | 0.56 | 53.1% |
| Equity (SPY) | 15.1% | 17.9% | 0.72 | 52.0% |
| Gold (GLD) | 11.5% | 16.1% | 0.58 | 1.8% |
| Commodities (DBC) | 7.1% | 17.9% | 0.31 | 15.2% |
| Real Estate (VNQ) | 5.0% | 20.7% | 0.20 | 45.9% |
| Bitcoin (BTCUSD) | 58.5% | 66.2% | 0.99 | 15.8% |
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Returns Analyses
Earnings Returns History
Updated 6/9/2026| Forward Returns | |||
|---|---|---|---|
| Earnings Date | 1D Returns | 5D Returns | 21D Returns |
| 5/6/2026 | -17.0% | -16.2% | -20.5% |
| 2/26/2026 | 9.9% | 11.6% | 6.0% |
| 11/6/2025 | -2.8% | 4.8% | 0.1% |
| 7/30/2025 | 10.3% | 7.1% | 10.4% |
| 5/7/2025 | 2.5% | 6.1% | 6.6% |
| 2/26/2025 | 16.1% | 17.2% | 15.6% |
| 11/6/2024 | 3.0% | 2.7% | 3.7% |
| 7/31/2024 | 1.8% | -6.5% | -0.9% |
| ... | |||
| SUMMARY STATS | |||
| # Positive | 12 | 10 | 11 |
| # Negative | 11 | 13 | 12 |
| Median Positive | 4.4% | 6.7% | 6.6% |
| Median Negative | -5.0% | -4.8% | -4.4% |
| Max Positive | 16.1% | 17.2% | 15.6% |
| Max Negative | -17.0% | -16.2% | -20.5% |
| Forward Returns | |||
|---|---|---|---|
| Earnings Date | 1D Returns | 5D Returns | 21D Returns |
| 5/6/2026 | -17.0% | -16.2% | -20.5% |
| 2/26/2026 | 9.9% | 11.6% | 6.0% |
| 11/6/2025 | -2.8% | 4.8% | 0.1% |
| 7/30/2025 | 10.3% | 7.1% | 10.4% |
| 5/7/2025 | 2.5% | 6.1% | 6.6% |
| 2/26/2025 | 16.1% | 17.2% | 15.6% |
| 11/6/2024 | 3.0% | 2.7% | 3.7% |
| 7/31/2024 | 1.8% | -6.5% | -0.9% |
| 5/1/2024 | -5.0% | -0.6% | -7.0% |
| 2/28/2024 | -10.6% | -6.8% | -1.3% |
| 10/26/2023 | -4.1% | -4.8% | 6.3% |
| 7/26/2023 | -2.9% | -2.7% | -4.3% |
| 4/26/2023 | 8.0% | 8.1% | 10.8% |
| 2/22/2023 | 5.9% | 6.3% | -5.7% |
| 11/2/2022 | -4.1% | -4.1% | -2.2% |
| 8/4/2022 | -6.8% | -15.1% | -15.7% |
| 4/28/2022 | 0.7% | -0.5% | -2.0% |
| 2/24/2022 | 0.7% | -5.3% | -0.4% |
| 10/27/2021 | 0.9% | -2.6% | -4.7% |
| 8/3/2021 | 5.9% | 8.1% | 9.6% |
| 4/29/2021 | -5.4% | 0.9% | 3.2% |
| 3/1/2021 | -5.5% | -5.0% | -4.6% |
| 8/4/2020 | -1.2% | -4.2% | 10.5% |
| SUMMARY STATS | |||
| # Positive | 12 | 10 | 11 |
| # Negative | 11 | 13 | 12 |
| Median Positive | 4.4% | 6.7% | 6.6% |
| Median Negative | -5.0% | -4.8% | -4.4% |
| Max Positive | 16.1% | 17.2% | 15.6% |
| Max Negative | -17.0% | -16.2% | -20.5% |
SEC Filings
Expand for More| Report Date | Filing Date | Filing |
|---|---|---|
| 03/31/2026 | 05/07/2026 | 10-Q |
| 12/31/2025 | 03/02/2026 | 10-K |
| 09/30/2025 | 11/07/2025 | 10-Q |
| 06/30/2025 | 07/31/2025 | 10-Q |
| 03/31/2025 | 05/08/2025 | 10-Q |
| 12/31/2024 | 03/03/2025 | 10-K |
| 09/30/2024 | 11/08/2024 | 10-Q |
| 06/30/2024 | 08/01/2024 | 10-Q |
| 03/31/2024 | 05/02/2024 | 10-Q |
| 12/31/2023 | 02/29/2024 | 10-K |
| 09/30/2023 | 10/27/2023 | 10-Q |
| 06/30/2023 | 08/01/2023 | 10-Q |
| 03/31/2023 | 04/28/2023 | 10-Q |
| 12/31/2022 | 02/24/2023 | 10-K |
| 09/30/2022 | 11/04/2022 | 10-Q |
| 06/30/2022 | 08/05/2022 | 10-Q |
| Report Date | Filing Date | Filing |
|---|---|---|
| 03/31/2026 | 05/07/2026 | 10-Q |
| 12/31/2025 | 03/02/2026 | 10-K |
| 09/30/2025 | 11/07/2025 | 10-Q |
| 06/30/2025 | 07/31/2025 | 10-Q |
| 03/31/2025 | 05/08/2025 | 10-Q |
| 12/31/2024 | 03/03/2025 | 10-K |
| 09/30/2024 | 11/08/2024 | 10-Q |
| 06/30/2024 | 08/01/2024 | 10-Q |
| 03/31/2024 | 05/02/2024 | 10-Q |
| 12/31/2023 | 02/29/2024 | 10-K |
| 09/30/2023 | 10/27/2023 | 10-Q |
| 06/30/2023 | 08/01/2023 | 10-Q |
| 03/31/2023 | 04/28/2023 | 10-Q |
| 12/31/2022 | 02/24/2023 | 10-K |
| 09/30/2022 | 11/04/2022 | 10-Q |
| 06/30/2022 | 08/05/2022 | 10-Q |
| 03/31/2022 | 04/29/2022 | 10-Q |
| 12/31/2021 | 02/25/2022 | 10-K |
| 09/30/2021 | 10/28/2021 | 10-Q |
| 06/30/2021 | 08/04/2021 | 10-Q |
| 03/31/2021 | 04/30/2021 | 10-Q |
| 12/31/2020 | 03/01/2021 | 10-K |
| 09/30/2020 | 10/30/2020 | 10-Q |
| 06/30/2020 | 08/05/2020 | 10-Q |
| 03/31/2020 | 05/11/2020 | 10-Q |
| 12/31/2019 | 02/27/2020 | 10-K |
| 09/30/2019 | 10/31/2019 | 10-Q |
| 06/30/2019 | 08/02/2019 | 10-Q |
Recent Forward Guidance
Updated 7/12/2026Latest: Q1 2026 Earnings Reported 5/6/2026
| Forward Guidance | Guidance Change | ||||||
|---|---|---|---|---|---|---|---|
| Metric | Low | Mid | High | % Chg | % Delta | Change | Prior |
| 2026 Revenue | 1.07 Bil | 1.08 Bil | 1.08 Bil | 4.8% | Raised | Guidance: 1.03 Bil for 2026 | |
| 2026 Adjusted EPS | 3.86 | 3.92 | 3.98 | 0.5% | Raised | Guidance: 3.9 for 2026 | |
| 2026 Capital Expenditures | 90.00 Mil | 0 | Affirmed | Guidance: 90.00 Mil for 2026 | |||
| 2026 Adjusted Effective Tax Rate | 11.0% | 11.5% | 12.0% | 0 | Affirmed | Guidance: 11.5% for 2026 | |
Prior: Q4 2025 Earnings Reported 2/26/2026
| Forward Guidance | Guidance Change | ||||||
|---|---|---|---|---|---|---|---|
| Metric | Low | Mid | High | % Chg | % Delta | Change | Prior |
| 2026 Revenue | 1.02 Bil | 1.03 Bil | 1.04 Bil | 11.5% | Higher New | Guidance: 924.00 Mil for 2025 | |
| 2026 Adjusted EPS | 3.84 | 3.9 | 3.96 | 8.6% | Higher New | Guidance: 3.59 for 2025 | |
| 2026 Capital Expenditures | 90.00 Mil | 5.9% | Higher New | Guidance: 85.00 Mil for 2025 | |||
| 2026 Adjusted Effective Tax Rate | 11.0% | 11.5% | 12.0% | ||||
Q3 2025 Earnings Reported 11/6/2025
| Forward Guidance | Guidance Change | ||||||
|---|---|---|---|---|---|---|---|
| Metric | Low | Mid | High | % Chg | % Delta | Change | Prior |
| 2025 Revenue | 921.00 Mil | 924.00 Mil | 927.00 Mil | 2.1% | Raised | Guidance: 905.00 Mil for 2025 | |
| 2025 Revenue Growth | 8.9% | 9.25% | 9.6% | ||||
| 2025 Adjusted EPS | 3.56 | 3.59 | 3.62 | 3.2% | Raised | Guidance: 3.48 for 2025 | |
| 2025 Capital Expenditures | 85.00 Mil | 0 | Affirmed | Guidance: 85.00 Mil for 2025 | |||
Insider Activity
Updated 6/12/2026| # | Owner | Title | Holding | Action | Filing Date | Price | Shares | Transacted Value | Value of Held Shares | Form |
|---|---|---|---|---|---|---|---|---|---|---|
| 1 | Smith, Brian John | Direct | Buy | 6122026 | 26.42 | 16,202 | 427,999 | 2,330,508 | Form | |
| 2 | Vizcarrondo, Miguel | Executive Vice President | Direct | Buy | 5122026 | 23.37 | 21,000 | 490,772 | 3,323,555 | Form |
| 3 | D'Angelo, Frank G | Direct | Buy | 5122026 | 23.40 | 20,000 | 468,000 | 962,629 | Form | |
| 4 | Castrillo-Salgado, Joaquin A | Senior EVP & COO | Direct | Buy | 5112026 | 22.74 | 20,000 | 454,706 | 3,273,587 | Form |
| 5 | Rodriguez-Gonzalez, Luis A | General Counsel & EVP | Direct | Buy | 5112026 | 24.10 | 17,000 | 409,775 | 1,950,215 | Form |
| # | Owner | Title | Holding | Action | Filing Date | Price | Shares | Transacted Value | Value of Held Shares | Form |
|---|---|---|---|---|---|---|---|---|---|---|
| 1 | Smith, Brian John | Direct | Buy | 6122026 | 26.42 | 16,202 | 427,999 | 2,330,508 | Form | |
| 2 | Vizcarrondo, Miguel | Executive Vice President | Direct | Buy | 5122026 | 23.37 | 21,000 | 490,772 | 3,323,555 | Form |
| 3 | D'Angelo, Frank G | Direct | Buy | 5122026 | 23.40 | 20,000 | 468,000 | 962,629 | Form | |
| 4 | Castrillo-Salgado, Joaquin A | Senior EVP & COO | Direct | Buy | 5112026 | 22.74 | 20,000 | 454,706 | 3,273,587 | Form |
| 5 | Rodriguez-Gonzalez, Luis A | General Counsel & EVP | Direct | Buy | 5112026 | 24.10 | 17,000 | 409,775 | 1,950,215 | Form |
| 6 | Polak, Aldo J | Direct | Sell | 6232025 | 35.72 | 2,243 | 80,119 | 426,704 | Form |
Investor Activity (13F)
Updated Jul 23, 2026Active managers (13F portfolio over $250M, at least 3 holdings) with a position over $5M that is either over 10% of their portfolio or held in a concentrated book of 50 or fewer total positions. Index/ETF, sovereign, bank, community-bank and charitable/donor-advised filers are excluded.
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