Evertec (EVTC)
Market Price (2/5/2026): $28.13 | Market Cap: $1.8 BilSector: Financials | Industry: Transaction & Payment Processing Services
Evertec (EVTC)
Market Price (2/5/2026): $28.13Market 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 8.8%, ERPEquity Risk Premium (ERP) = Total Yield - Risk Free Rate, Reflects the premium above risk free assets offered by the investment. is 4.7%, FCF Yield is 8.1% | Weak multi-year price returns2Y Excs Rtn is -71%, 3Y Excs Rtn is -93% | 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 cash flow generationCFO/Rev LTMCash Flow from Operations / Revenue (Sales), Last Twelve Months (LTM) is 26%, FCF/Rev LTMFree Cash Flow / Revenue (Sales), Last Twelve Months (LTM) is 16% | ||
| Low stock price volatilityVol 12M is 34% | ||
| Megatrend and thematic driversMegatrends include Fintech & Digital Payments, and AI in Financial Services. Themes include Digital Payments, and AI for Fraud Detection. |
| Attractive yieldTotal YieldTotal Yield = Earnings Yield + Dividend Yield, Earnings Yield = Net Income / Market Cap Dividend Yield = Total Dividends / Market Cap is 8.8%, ERPEquity Risk Premium (ERP) = Total Yield - Risk Free Rate, Reflects the premium above risk free assets offered by the investment. is 4.7%, FCF Yield is 8.1% |
| Attractive cash flow generationCFO/Rev LTMCash Flow from Operations / Revenue (Sales), Last Twelve Months (LTM) is 26%, FCF/Rev LTMFree Cash Flow / Revenue (Sales), Last Twelve Months (LTM) is 16% |
| Low stock price volatilityVol 12M is 34% |
| 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 -71%, 3Y Excs Rtn is -93% |
| 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
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Evertec (EVTC) stock has remained largely at the same level since 10/31/2025 because of the following key factors:
1. Mixed Financial Outlook and Anticipated 2026 Headwinds. Evertec's stock movement since October 31, 2025, remained largely stable as strong third-quarter 2025 financial results, reported on November 6, 2025, which included beating analyst estimates for EPS and revenue, were tempered by the company's outlook for 2026. Management indicated potential headwinds for 2026, such as a 10% discount to Banco Popular, which could result in an estimated $14 million annual impact to business solutions, and a shift to a lower-margin mix from Latin American growth. This balanced perspective, combining positive short-term performance with identified future challenges, contributed to a neutral sentiment among investors.
2. Lack of Significant Immediate Catalysts. During this period, there were no major unexpected corporate announcements or significant market-moving events directly related to Evertec that would provoke a substantial shift in its stock price. The anticipated fourth-quarter 2025 earnings were not scheduled for release until February 25, 2026, which falls outside the analysis period of October 31, 2025, to February 4, 2026, meaning investors were largely operating on previous information.
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1. Mixed Financial Outlook and Anticipated 2026 Headwinds. Evertec's stock movement since October 31, 2025, remained largely stable as strong third-quarter 2025 financial results, reported on November 6, 2025, which included beating analyst estimates for EPS and revenue, were tempered by the company's outlook for 2026. Management indicated potential headwinds for 2026, such as a 10% discount to Banco Popular, which could result in an estimated $14 million annual impact to business solutions, and a shift to a lower-margin mix from Latin American growth. This balanced perspective, combining positive short-term performance with identified future challenges, contributed to a neutral sentiment among investors.
2. Lack of Significant Immediate Catalysts. During this period, there were no major unexpected corporate announcements or significant market-moving events directly related to Evertec that would provoke a substantial shift in its stock price. The anticipated fourth-quarter 2025 earnings were not scheduled for release until February 25, 2026, which falls outside the analysis period of October 31, 2025, to February 4, 2026, meaning investors were largely operating on previous information.
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Stock Movement Drivers
Fundamental Drivers
The -1.1% change in EVTC stock from 10/31/2025 to 2/4/2026 was primarily driven by a -6.7% change in the company's P/E Multiple.| (LTM values as of) | 10312025 | 2042026 | Change |
|---|---|---|---|
| Stock Price ($) | 28.47 | 28.15 | -1.1% |
| Change Contribution By: | |||
| Total Revenues ($ Mil) | 887 | 903 | 1.9% |
| Net Income Margin (%) | 15.6% | 16.2% | 4.0% |
| P/E Multiple | 13.2 | 12.3 | -6.7% |
| Shares Outstanding (Mil) | 64 | 64 | 0.1% |
| Cumulative Contribution | -1.1% |
Market Drivers
10/31/2025 to 2/4/2026| Return | Correlation | |
|---|---|---|
| EVTC | -1.1% | |
| Market (SPY) | 0.6% | 22.4% |
| Sector (XLF) | 3.0% | 53.4% |
Fundamental Drivers
The -21.9% change in EVTC stock from 7/31/2025 to 2/4/2026 was primarily driven by a -26.3% change in the company's P/E Multiple.| (LTM values as of) | 7312025 | 2042026 | Change |
|---|---|---|---|
| Stock Price ($) | 36.03 | 28.15 | -21.9% |
| Change Contribution By: | |||
| Total Revenues ($ Mil) | 887 | 903 | 1.9% |
| Net Income Margin (%) | 15.6% | 16.2% | 4.0% |
| P/E Multiple | 16.7 | 12.3 | -26.3% |
| Shares Outstanding (Mil) | 64 | 64 | 0.1% |
| Cumulative Contribution | -21.9% |
Market Drivers
7/31/2025 to 2/4/2026| Return | Correlation | |
|---|---|---|
| EVTC | -21.9% | |
| Market (SPY) | 8.9% | 33.4% |
| Sector (XLF) | 3.4% | 55.3% |
Fundamental Drivers
The -12.8% change in EVTC stock from 1/31/2025 to 2/4/2026 was primarily driven by a -49.8% change in the company's P/E Multiple.| (LTM values as of) | 1312025 | 2042026 | Change |
|---|---|---|---|
| Stock Price ($) | 32.28 | 28.15 | -12.8% |
| Change Contribution By: | |||
| Total Revenues ($ Mil) | 824 | 903 | 9.7% |
| Net Income Margin (%) | 10.2% | 16.2% | 58.5% |
| P/E Multiple | 24.6 | 12.3 | -49.8% |
| Shares Outstanding (Mil) | 64 | 64 | -0.1% |
| Cumulative Contribution | -12.8% |
Market Drivers
1/31/2025 to 2/4/2026| Return | Correlation | |
|---|---|---|
| EVTC | -12.8% | |
| Market (SPY) | 15.0% | 41.6% |
| Sector (XLF) | 5.9% | 53.9% |
Fundamental Drivers
The -22.5% change in EVTC stock from 1/31/2023 to 2/4/2026 was primarily driven by a -60.6% change in the company's Net Income Margin (%).| (LTM values as of) | 1312023 | 2042026 | Change |
|---|---|---|---|
| Stock Price ($) | 36.32 | 28.15 | -22.5% |
| Change Contribution By: | |||
| Total Revenues ($ Mil) | 612 | 903 | 47.6% |
| Net Income Margin (%) | 41.1% | 16.2% | -60.6% |
| P/E Multiple | 9.6 | 12.3 | 28.5% |
| Shares Outstanding (Mil) | 66 | 64 | 3.8% |
| Cumulative Contribution | -22.5% |
Market Drivers
1/31/2023 to 2/4/2026| Return | Correlation | |
|---|---|---|
| EVTC | -22.5% | |
| Market (SPY) | 75.1% | 41.4% |
| Sector (XLF) | 54.3% | 51.3% |
Price Returns Compared
| 2021 | 2022 | 2023 | 2024 | 2025 | 2026 | Total [1] | |
|---|---|---|---|---|---|---|---|
| Returns | |||||||
| EVTC Return | 28% | -35% | 27% | -15% | -15% | -2% | -26% |
| Peers Return | -29% | -21% | 28% | 7% | -4% | -9% | -33% |
| S&P 500 Return | 27% | -19% | 24% | 23% | 16% | 1% | 84% |
Monthly Win Rates [3] | |||||||
| EVTC Win Rate | 58% | 25% | 58% | 25% | 42% | 50% | |
| Peers Win Rate | 48% | 47% | 58% | 57% | 47% | 20% | |
| S&P 500 Win Rate | 75% | 42% | 67% | 75% | 67% | 50% | |
Max Drawdowns [4] | |||||||
| EVTC Max Drawdown | -12% | -38% | -2% | -27% | -21% | -2% | |
| Peers Max Drawdown | -36% | -31% | -13% | -18% | -30% | -13% | |
| S&P 500 Max Drawdown | -1% | -25% | -1% | -2% | -15% | -1% | |
[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 2/4/2026 (YTD)
How Low Can It Go
| Event | EVTC | S&P 500 |
|---|---|---|
| 2022 Inflation Shock | ||
| % Loss | -39.5% | -25.4% |
| % Gain to Breakeven | 65.2% | 34.1% |
| Time to Breakeven | Not Fully Recovered days | 464 days |
| 2020 Covid Pandemic | ||
| % Loss | -46.7% | -33.9% |
| % Gain to Breakeven | 87.5% | 51.3% |
| Time to Breakeven | 149 days | 148 days |
| 2018 Correction | ||
| % Loss | -31.9% | -19.8% |
| % Gain to Breakeven | 46.9% | 24.7% |
| Time to Breakeven | 168 days | 120 days |
Compare to FISV, FIS, GPN, JKHY, STNE
In The Past
Evertec's stock fell -39.5% during the 2022 Inflation Shock from a high on 12/8/2021. A -39.5% loss requires a 65.2% gain to breakeven.
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About Evertec (EVTC)
EVERTEC, Inc. engages in transaction processing business in Latin America and the Caribbean. The company operates through Payment Services - Puerto Rico & Caribbean; Payment Services - Latin America; Merchant Acquiring; Business Solutions, and Corporate and Other segments. It provides merchant acquiring services, which enable point of sales and e-commerce merchants to accept and process electronic methods of payment, such as debit, credit, prepaid, and electronic benefit transfer (EBT) cards. The company also offers payment processing services that enable financial institutions and other issuers to manage, support, and facilitate the processing for credit, debit, prepaid, automated teller machines, and EBT card programs; credit and debit card processing, authorization and settlement, and fraud monitoring and control services to debit or credit issuers; and EBT services. In addition, it provides business process management solutions comprising core bank processing, network hosting and management, IT consulting, business process outsourcing, item and cash processing, and fulfillment solutions to financial institutions, and corporate and government customers. Further, the company owns and operates the ATH network, an automated teller machine and personal identification number debit networks. It manages a system of electronic payment networks that process approximately three billion transactions. The company sells and distributes its services primarily through direct sales force. It serves financial institutions, merchants, corporations, and government agencies. EVERTEC, Inc. was founded in 1988 and is headquartered in San Juan, Puerto Rico.
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1. Fiserv for Latin American payments.
2. The Global Payments of Latin America and the Caribbean.
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- Payment Processing Services: Facilitates electronic payment transactions, including credit, debit, and ATM services for financial institutions and businesses.
- Merchant Acquiring Services: Enables merchants to accept electronic payments from customers by providing point-of-sale devices, payment gateways, and transaction settlement.
- Business Process Management (BPM) Services: Offers technology and outsourcing solutions for critical back-office operations, primarily for financial institutions and government entities.
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Evertec (symbol: EVTC) primarily sells its services to other companies, financial institutions, and government agencies, operating on a Business-to-Business (B2B) model.
Based on its latest regulatory filings (Form 10-K), Evertec's single most significant customer is:
- Popular, Inc. (symbol: BPOP) - The parent company of Banco Popular de Puerto Rico. Banco Popular de Puerto Rico accounted for approximately 35% of Evertec's total revenue in 2023.
While no other single customer accounted for 10% or more of Evertec's total revenue in 2023, the company broadly serves customers across the following categories:
- Financial institutions: This includes other banks and credit unions in Puerto Rico and Latin America that leverage Evertec's payment processing and core banking solutions.
- Merchants: Businesses of various sizes, from small enterprises to large retailers, that utilize Evertec's merchant acquiring and payment processing services.
- Corporations and governmental agencies: These customers engage Evertec for a range of business solutions, including IT outsourcing, network hosting, and other technology services.
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- Visa Inc. (V)
- Mastercard Incorporated (MA)
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Morgan M. "Mac" Schuessler, President & Chief Executive Officer
Mac Schuessler has served as President, Chief Executive Officer, and a member of the Board of Evertec since 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. (NYSE: GPN), overseeing business operations in 23 countries across Europe and Asia. From 2008 to 2012, he was Executive Vice President and Chief Administrative Officer at Global Payments. Before Global Payments, Schuessler held several leadership positions with American Express, Inc., including Vice President, Global Purchasing Solutions, where he managed the company's purchasing card business globally. He has also served on the boards of international payments organizations, such as Visa's Senior Client Council and UnionPay International. He currently serves on the boards of Deluxe Corporation (NYSE: DLX) and several nonprofit organizations. He holds a bachelor's degree from New York University and an MBA from Emory University's Goizueta Business School.
Karla Cruz Jusino, Chief Financial Officer
Karla Cruz Jusino is the Chief Financial Officer of Evertec, a role she assumed effective November 1, 2025. She joined Evertec in 2019 and has held roles of increasing responsibility within the finance organization, including Senior Vice President, Chief Accounting Officer and Assistant Treasurer; Vice President of Finance; Assistant Treasurer; and Corporate Tax Director. She has over 18 years of experience in auditing and finance. Prior to Evertec, she worked as an assurance director at PwC. Ms. Cruz Jusino is a Certified Public Accountant and a graduate of the University of Puerto Rico.
JoaquÃn Castrillo Salgado, Senior Executive Vice President and Chief Operating Officer
JoaquÃn Castrillo Salgado was appointed Senior Executive Vice President and Chief Operating Officer of Evertec, effective November 1, 2025. He joined Evertec in 2012 and previously served as the Chief Financial Officer from 2018 until his promotion to COO. Before joining Evertec, he worked at PwC as an Audit Manager in the Banking & Capital Markets group in New York and Puerto Rico. He holds a B.B.A. with dual concentrations in Finance and Accounting from Villanova University and is a Certified Public Accountant.
Diego Viglianco, Chief Information Officer
Diego Viglianco is the Chief Information Officer at Evertec. He joined the company in 2021 and brings 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. He also held senior leadership roles at Prisma Medios de Pago in Argentina, Mastercard in Argentina and Miami, Florida, and PROSA (Promoción y Operación S.A. de C.V.) in Mexico.
Luis A. RodrÃguez, Chief Legal & Administrative Officer
Luis A. RodrÃguez serves as Evertec's Chief Legal & Administrative Officer. He joined the company in 2015 after a career in law and finance that included roles as Executive Director at J.P. Morgan in New York, Vice President in the Distressed Products Group at Deutsche Bank, and Associate at Davis Polk & Wardwell LLP. Earlier in his career, he served as Assistant Secretary at the Department of Economic Development and Commerce of Puerto Rico. He holds a bachelor's degree from Princeton University and a Juris Doctor from Stanford Law School.
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The key risks to Evertec's business include:
- Geographical Concentration and Political/Economic Instability: Evertec faces significant risks due to its geographical concentration, particularly in Puerto Rico, where it has substantial business with the local government, which itself is subject to fiscal challenges. The region is also vulnerable to natural disasters. Furthermore, operating in various international markets across Latin America and the Caribbean exposes the company to potential political and economic instability, fluctuations in foreign exchange rates, capital controls, and changes in government policies, which can negatively impact costs, earnings, and asset values.
- Intense Competition and Technological Disruptions: The financial technology sector is highly competitive, with numerous players including global entities like Fidelity National Information Services (FIS), Fiserv, and Global Payments, as well as emerging local fintech companies. Evertec must continuously innovate and invest in technology to adapt to rapid technological changes, new payment methods, and evolving business models to maintain its competitive position. Failure to keep pace with these disruptions could result in a loss of market share and reduced profitability.
- Reliance on Major Customers and Contract Renegotiations: Evertec faces a risk of revenue concentration tied to contract renegotiations with major customers. Notably, its relationship with Popular, Inc. is identified as a pressing challenge, as potential pricing adjustments to this contract could impact future cash flows and earnings stability.
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- The increasing adoption and proliferation of real-time payment (RTP) systems and open banking initiatives across Latin America and the Caribbean. These systems enable instant account-to-account transfers, potentially bypassing traditional card networks and their associated fees. As these government or central bank-led infrastructures gain traction for both person-to-person and person-to-business payments, they could reduce the volume and revenue derived from Evertec's core card processing and merchant acquiring services. Examples such as Brazil's highly successful PIX system demonstrate the potential for rapid displacement of traditional payment methods, with similar initiatives emerging or under consideration in other Evertec operating regions.
- Intensified competition from digital-first challenger banks (neobanks) and fintech companies rapidly expanding their presence and offerings in Evertec's core markets. These agile competitors often provide comprehensive financial services, including payment processing, merchant acquiring, and digital wallets, frequently with lower fees and superior user experiences tailored for small and medium-sized enterprises (SMEs) and underserved populations. Companies like Mercado Pago and Nubank are building extensive ecosystems that directly compete with Evertec by leveraging modern technology stacks and customer-centric approaches, potentially eroding Evertec's market share and hindering its growth in key segments.
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For Evertec (EVTC), the addressable markets for its main products and services are identified as follows:
Merchant Acquiring
- Globally, the merchant acquiring market was valued at $25.43 billion in 2024 and is projected to grow to $28.2 billion in 2025, with a compound annual growth rate (CAGR) of 10.9%. This market is expected to reach $42.16 billion by 2029 at a CAGR of 10.6%. Another estimate indicates the global merchant acquiring market size was USD 20311.51 million in 2022 and is expected to expand to USD 31659.3 million by 2028.
Payment Processing / Payment Services
- The payment processing solutions market in Latin America generated a revenue of approximately US$ 4.76 billion (USD 4,759.7 million) in 2023. This market is expected to reach a projected revenue of approximately US$ 13.5 billion (US$ 13,498.8 million) by 2030, with a compound annual growth rate of 16.1% from 2024 to 2030.
- The broader Latin American payments market, which includes point-of-sale (POS) transactions, mobile and online payments, card-based transfers, digital wallets, and real-time payment systems, was valued at USD 715.28 billion in 2024. This market is expected to reach USD 1,704.62 billion by 2033, growing at a CAGR of 10.13% during the forecast period.
- For real-time payments specifically within Latin America, the market size was estimated at $300 million in 2022 and is projected to reach $750 million by 2027, demonstrating a Compound Annual Growth Rate (CAGR) of 20%.
- The global payment processing market (vendor revenue) is projected to generate between $60 billion and $140 billion in 2025. Latin America is estimated to contribute 4–8% of this global processor revenue in 2025.
Business Solutions / Business Process Management
- null
Caribbean Region (for all main products)
- null
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Evertec (EVTC) is expected to drive future revenue growth over the next 2-3 years through several key initiatives and market trends:
- Expansion in Latin America through Organic Growth and Strategic Acquisitions: Evertec has demonstrated strong performance and a clear strategy for growth in the Latin American market. The company's Latin America Payments & Solutions segment has shown significant revenue increases, fueled by organic expansion across the region, particularly in Brazil, and contributions from strategic acquisitions such as Tecnobank, Grandata, and Nubity. Recent deals with institutions like Banco de Chile and Financiera Oh in Peru further underscore this expansion.
- Ongoing Migration from Cash to Electronic Payments: The broader trend of consumers shifting from cash to electronic payments in Latin America and the Caribbean is a significant tailwind for Evertec. This societal shift is anticipated to continue creating substantial growth opportunities for the company.
- Development and Growth of Digital Payment Solutions and New Products: Evertec is actively expanding its suite of digital solutions to cater to evolving market demands. This includes e-commerce gateway platforms like Placetopay, mobile payment services such as ATH Movil and ATH Business, and comprehensive issuing and acquiring processing platforms like Paystudio. The company has also developed software to leverage Brazil's instant money transfer system, Pix, further enhancing its digital offerings.
- Outsourcing of Technology Systems by Financial Institutions and Governments: Evertec is well-positioned to capitalize on the trend of financial institutions and government agencies in Latin America and the Caribbean outsourcing their technology systems. This provides an avenue for the company to offer its mission-critical technology solutions and transaction processing services to a diversified customer base.
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Share Repurchases
- Evertec's Board of Directors increased the share repurchase authorization to an aggregate of $150 million, extending the program through December 2026.
- In March 2024, Evertec entered into an accelerated share repurchase agreement to repurchase $70 million of its common stock, which was expected to be completed by the third quarter of 2024. This increased the total authorization to $220 million with an expiration date of December 31, 2025.
- For the full year 2023, Evertec repurchased 1.0 million shares of its common stock for a total of $36.1 million. Approximately $137.5 million remained authorized for future use at December 31, 2023.
Share Issuance
- As of October 31, 2025, there were 63,983,841 outstanding shares of common stock.
- As of June 30, 2025, Evertec had 63,982,005 shares issued and outstanding, compared to 63,614,077 shares as of December 31, 2024.
Outbound Investments
- Evertec completed the acquisition of a 75% controlling stake in Tecnobank, a Brazilian fintech specializing in digital vehicle financing contract registration, for approximately $148 million (BRL 787 million). This acquisition was completed in October 2025 and aims to expand Evertec's presence in the Brazilian market.
- In November 2024, Evertec acquired Grandata, a Big Data Analytics company, taking a 100% stake.
- In 2023, Evertec acquired Sinqia, a leading provider of software solutions for financial institutions in Brazil, which was closed on November 1, 2023. Evertec also acquired paySmart, a provider of processing solutions for issuers in Brazil, and expanded into Chile and Peru with the acquisition of BBR.
Capital Expenditures
- Evertec anticipates capital expenditures to be approximately $85 million for the full year 2025.
- During the nine months ended September 30, 2025, the company invested approximately $67.9 million in capital resources. For the same period in 2024, the investment was approximately $69.8 million.
- Primary focus of capital expenditures is on hardware, computer software (purchased and internally developed), and additions to property and equipment.
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, ALBÂ | 10/31/2023 | |
| ARTICLES | ||
| 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 | 55.64 |
| Mkt Cap | 14.8 |
| Rev LTM | 10,572 |
| Op Inc LTM | 1,926 |
| FCF LTM | 1,096 |
| FCF 3Y Avg | 542 |
| CFO LTM | 1,639 |
| CFO 3Y Avg | 1,084 |
Growth & Margins
| Median | |
|---|---|
| Name | |
| Rev Chg LTM | 8.7% |
| Rev Chg 3Y Avg | 6.8% |
| Rev Chg Q | 6.5% |
| QoQ Delta Rev Chg LTM | 1.6% |
| Op Mgn LTM | 23.0% |
| Op Mgn 3Y Avg | 21.9% |
| QoQ Delta Op Mgn LTM | -0.3% |
| CFO/Rev LTM | 26.2% |
| CFO/Rev 3Y Avg | 26.1% |
| FCF/Rev LTM | 17.0% |
| FCF/Rev 3Y Avg | 15.4% |
Valuation
| Median | |
|---|---|
| Name | |
| Mkt Cap | 14.8 |
| P/S | 1.8 |
| P/EBIT | 6.9 |
| P/E | 11.0 |
| P/CFO | 6.4 |
| Total Yield | 6.6% |
| Dividend Yield | 0.7% |
| FCF Yield 3Y Avg | 4.4% |
| D/E | 0.8 |
| Net D/E | 0.6 |
Returns
| Median | |
|---|---|
| Name | |
| 1M Rtn | -6.7% |
| 3M Rtn | -8.5% |
| 6M Rtn | -18.1% |
| 12M Rtn | -24.2% |
| 3Y Rtn | -24.7% |
| 1M Excs Rtn | -6.4% |
| 3M Excs Rtn | -8.6% |
| 6M Excs Rtn | -23.1% |
| 12M Excs Rtn | -38.5% |
| 3Y Excs Rtn | -94.7% |
Segment Financials
Revenue by Segment| $ Mil | 2024 | 2023 | 2022 | 2021 | 2020 |
|---|---|---|---|---|---|
| Business Solutions | 227 | 235 | 244 | 235 | 217 |
| Payment Services - Puerto Rico & Caribbean | 203 | 178 | 155 | 125 | 126 |
| Latin America Payments and Solutions | 187 | 128 | 106 | 85 | 84 |
| Merchant Acquiring, net | 162 | 151 | 144 | 110 | 106 |
| Intersegment revenues | -84 | ||||
| Corporate and Other | -75 | -59 | -44 | -46 | |
| Total | 695 | 618 | 590 | 511 | 487 |
Price Behavior
Price Behavior
| Market Price | $28.15 | |
| Market Cap ($ Bil) | 1.8 | |
| First Trading Date | 04/12/2013 | |
| Distance from 52W High | -26.4% | |
| 50 Days | 200 Days | |
| DMA Price | $29.43 | $32.78 |
| DMA Trend | down | indeterminate |
| Distance from DMA | -4.3% | -14.1% |
| 3M | 1YR | |
| Volatility | 31.9% | 33.9% |
| Downside Capture | 119.73 | 85.68 |
| Upside Capture | 103.06 | 58.43 |
| Correlation (SPY) | 21.3% | 41.4% |
EVTC Betas & Captures as of 1/31/2026
[1] Upside and downside betas calculated using positive and negative benchmark daily returns respectively
| 1M | 2M | 3M | 6M | 1Y | 3Y | |
|---|---|---|---|---|---|---|
| Beta | 0.87 | 0.77 | 0.45 | 0.70 | 0.72 | 0.80 |
| Up Beta | 2.30 | 0.91 | -0.34 | 0.61 | 0.81 | 0.92 |
| Down Beta | 0.81 | 0.12 | -0.09 | 0.60 | 0.63 | 0.68 |
| Up Capture | 80% | 130% | 106% | 39% | 47% | 33% |
| Bmk +ve Days | 11 | 22 | 34 | 71 | 142 | 430 |
| Stock +ve Days | 10 | 19 | 28 | 55 | 120 | 374 |
| Down Capture | 28% | 103% | 82% | 112% | 85% | 98% |
| Bmk -ve Days | 9 | 19 | 27 | 54 | 109 | 321 |
| Stock -ve Days | 10 | 20 | 31 | 68 | 129 | 375 |
[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 | -12.1% | 33.8% | -0.34 | - |
| Sector ETF (XLF) | 6.4% | 19.1% | 0.20 | 53.8% |
| Equity (SPY) | 15.9% | 19.2% | 0.64 | 41.5% |
| Gold (GLD) | 76.1% | 24.5% | 2.27 | -9.8% |
| Commodities (DBC) | 9.3% | 16.5% | 0.36 | 8.1% |
| Real Estate (VNQ) | 4.6% | 16.5% | 0.10 | 42.1% |
| Bitcoin (BTCUSD) | -24.7% | 40.5% | -0.60 | 18.3% |
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Based On 5-Year Data
| Annualized Return | Annualized Volatility | Sharpe Ratio | Correlation with EVTC | |
|---|---|---|---|---|
| EVTC | -4.3% | 29.1% | -0.12 | - |
| Sector ETF (XLF) | 14.7% | 18.7% | 0.64 | 51.0% |
| Equity (SPY) | 14.2% | 17.0% | 0.66 | 48.3% |
| Gold (GLD) | 21.5% | 16.8% | 1.04 | 1.7% |
| Commodities (DBC) | 12.1% | 18.9% | 0.52 | 10.8% |
| Real Estate (VNQ) | 5.0% | 18.8% | 0.17 | 46.0% |
| Bitcoin (BTCUSD) | 18.0% | 57.4% | 0.52 | 19.6% |
Smart multi-asset allocation framework can stack odds in your favor. Learn How
Based On 10-Year Data
| Annualized Return | Annualized Volatility | Sharpe Ratio | Correlation with EVTC | |
|---|---|---|---|---|
| EVTC | 8.4% | 32.2% | 0.33 | - |
| Sector ETF (XLF) | 14.2% | 22.2% | 0.59 | 54.9% |
| Equity (SPY) | 15.7% | 17.9% | 0.75 | 54.8% |
| Gold (GLD) | 15.6% | 15.5% | 0.84 | 0.3% |
| Commodities (DBC) | 8.3% | 17.6% | 0.39 | 18.3% |
| Real Estate (VNQ) | 5.9% | 20.8% | 0.25 | 47.5% |
| Bitcoin (BTCUSD) | 69.3% | 66.5% | 1.09 | 15.2% |
Smart multi-asset allocation framework can stack odds in your favor. Learn How
Returns Analyses
Earnings Returns History
Expand for More| Forward Returns | |||
|---|---|---|---|
| Earnings Date | 1D Returns | 5D Returns | 21D Returns |
| 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% |
| 2/28/2024 | -10.6% | -6.8% | -1.3% |
| 10/26/2023 | -4.1% | -4.8% | 6.3% |
| ... | |||
| SUMMARY STATS | |||
| # Positive | 11 | 7 | 9 |
| # Negative | 8 | 12 | 10 |
| Median Positive | 2.5% | 6.3% | 9.6% |
| Median Negative | -4.1% | -4.7% | -4.6% |
| Max Positive | 16.1% | 17.2% | 22.8% |
| Max Negative | -10.6% | -15.1% | -29.1% |
SEC Filings
Expand for More| Report Date | Filing Date | Filing |
|---|---|---|
| 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 |
Insider Activity
Expand for More| # | Owner | Title | Holding | Action | Filing Date | Price | Shares | Transacted Value | Value of Held Shares | Form |
|---|---|---|---|---|---|---|---|---|---|---|
| 1 | Polak, Aldo J | Direct | Sell | 6232025 | 35.72 | 2,243 | 80,119 | 426,704 | Form | |
| 2 | Pagan, Ivan | Direct | Sell | 5272025 | 36.65 | 6,852 | 251,124 | 457,133 | Form | |
| 3 | Brignardello, Daniel | Executive Vice President | Direct | Sell | 5152025 | 36.60 | 7,641 | 279,689 | 1,144,854 | Form |
| 4 | Vizcarrondo, Miguel | Executive Vice President | Direct | Sell | 5132025 | 36.44 | 40,000 | 1,457,420 | 3,370,612 | Form |
| 5 | Rodriguez-Gonzalez, Luis A | General Counsel & EVP | Direct | Sell | 5132025 | 35.69 | 18,898 | 674,466 | 1,256,388 | Form |
External Quote Links
| Y Finance | Barrons |
| TradingView | Morningstar |
| SeekingAlpha | ValueLine |
| Motley Fool | Robinhood |
| CNBC | Etrade |
| MarketWatch | Unusual Whales |
| YCharts | Perplexity Finance |
| FinViz |
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