Tearsheet

Evertec (EVTC)

Market Price (4/14/2026): $28.97 | Market Cap: $1.8 Bil
Sector: Financials | Industry: Transaction & Payment Processing Services

Evertec (EVTC)

Market Price (4/14/2026): $28.97
Market Cap: $1.8 Bil
Sector: Financials
Industry: Transaction & Payment Processing Services

Investment Highlights Why It Matters Detailed financial logic regarding cash flow yields vs trend-riding momentum.

Attractive yield
Total YieldTotal Yield = Earnings Yield + Dividend Yield, Earnings Yield = Net Income / Market Cap Dividend Yield = Total Dividends / Market Cap is 8.4%, ERPEquity Risk Premium (ERP) = Total Yield - Risk Free Rate, Reflects the premium above risk free assets offered by the investment. is 4.4%, FCF Yield is 7.4%

Attractive cash flow generation
CFO/Rev LTMCash Flow from Operations / Revenue (Sales), Last Twelve Months (LTM) is 24%, FCF/Rev LTMFree Cash Flow / Revenue (Sales), Last Twelve Months (LTM) is 15%

Low stock price volatility
Vol 12M is 31%

Megatrend and thematic drivers
Megatrends include Fintech & Digital Payments, and AI in Financial Services. Themes include Digital Payments, and AI for Fraud Detection.

Weak multi-year price returns
2Y Excs Rtn is -57%, 3Y Excs Rtn is -77%

Key risks
EVTC 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.

0	Attractive yield Total YieldTotal Yield = Earnings Yield + Dividend Yield, Earnings Yield = Net Income / Market Cap Dividend Yield = Total Dividends / Market Cap is 8.4%, ERPEquity Risk Premium (ERP) = Total Yield - Risk Free Rate, Reflects the premium above risk free assets offered by the investment. is 4.4%, FCF Yield is 7.4%
1	Attractive cash flow generation CFO/Rev LTMCash Flow from Operations / Revenue (Sales), Last Twelve Months (LTM) is 24%, FCF/Rev LTMFree Cash Flow / Revenue (Sales), Last Twelve Months (LTM) is 15%
2	Low stock price volatility Vol 12M is 31%
3	Megatrend and thematic drivers Megatrends include Fintech & Digital Payments, and AI in Financial Services. Themes include Digital Payments, and AI for Fraud Detection.
4	Weak multi-year price returns 2Y Excs Rtn is -57%, 3Y Excs Rtn is -77%
5	Key risks EVTC 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.

Valuation, Metrics & Events

	4/14/26	2025	2024	2023	2022
Share Price CYE	$28.97	$36.77	$39.90	$33.75	$40.93
Market Cap CYE ($ Bil)	1.8	2.3	2.6	2.2	2.9
Total Debt ($ Bil)	1.1	1.0	1.1	0.4	0.5
Total Cash ($ Bil)	0.3	0.3	0.3	0.2	0.3
Enterprise Value ($ Bil)	2.7	3.3	3.7	2.6	3.4
Valuation Ratios
P/S TTM	2.0	2.7	3.5	3.5	4.9
P/EBIT TTM	8.2	11.1	22.5	7.8	14.1
P/E TTM	12.9	18.1	39.6	9.5	17.9
P/FCF TTM	13.5	13.9	25.0	17.5	15.0
Sector Ratios
P/S TTM (Sector)	3.2	2.9	2.7	2.4	3.3
P/EBIT TTM (Sector)	6.6	8.1	7.4	7.5	7.0
P/E TTM (Sector)	11.4	11.2	9.8	8.3	9.9
P/FCF TTM (Sector)	8.8	8.4	7.7	6.0	7.6

	4/14/26	2025	2024
Share Price CYE	$28.97	$36.77	$39.90
Market Cap CYE ($ Bil)	1.8	2.3	2.6
Total Debt ($ Bil)	1.1	1.0	1.1
Total Cash ($ Bil)	0.3	0.3	0.3
Enterprise Value ($ Bil)	2.7	3.3	3.7
Valuation Ratios
P/S TTM	2.0	2.7	3.5
P/EBIT TTM	8.2	11.1	22.5
P/E TTM	12.9	18.1	39.6
P/FCF TTM	13.5	13.9	25.0
Sector Ratios
P/S TTM (Sector)	3.2	2.9	2.7
P/EBIT TTM (Sector)	6.6	8.1	7.4
P/E TTM (Sector)	11.4	11.2	9.8
P/FCF TTM (Sector)	8.8	8.4	7.7

	EVTC	S&P 500
REVENUE GROWTH	GOOD
Rev LTM ($ Bil)	0.9
Rev Chg Q	13.1%	7.5%
Rev Chg LTM	10.2%	6.8%
Rev Chg 3Y Avg	14.8%	5.7%
PROFITABILITY	GOOD
Op Inc LTM ($ Bil)	0.2
CFO LTM ($ Bil)	0.2
Net Inc LTM ($ Bil)	0.1
Op Mgn LTM	20.0%	18.6%
CFO/Rev LTM	24.4%	20.6%
Net Inc Mgn	15.2%	12.8%
VALUATION	LOW
P/S	2.0	3.2
P/CFO	8.0	15.4
P/FCF	13.5	19.8
P/E	12.9	24.1
STABILITY	GOOD
Debt/Equity	0.62	0.21
Cash/Assets	0.14	0.07

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Metric	Value	Date	Source
Transactions Processed Annually	over 10,000,000,000	11072025	Link

Upcoming
5/06/2026	Earnings Release	Rev: $249 Mil (E) EPS: $0.90 (E)

Price Chart

Return (1M):

Why The Stock Moved

Qualitative Assessment

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Evertec (EVTC) stock has remained largely at the same level since 12/31/2025 because of the following key factors:

1. Neutral Analyst Sentiment Despite Strong Q4 2025 Performance and Positive 2026 Outlook.

Evertec reported strong financial results for the fourth quarter of 2025, with earnings per share (EPS) of $0.93, surpassing the consensus estimate by $0.02, and revenue reaching $244.8 million, exceeding expectations by $8 million. Additionally, the company provided a positive outlook for 2026, forecasting reported revenue between $1.024 billion and $1.036 billion (9.9% to 11.2% year-over-year growth) and adjusted EPS growth of 6.1% to 9.4% from 2025's $3.62. However, analysts largely maintained a "Hold" rating on the stock, with an average price target of approximately $35.80, and some even trimmed their targets, suggesting that the positive news was already priced in or not enough to warrant a significant upward re-rating.

2. Impact of a 10% Discount on the Popular Contract.

The company's Business Solutions segment experienced a revenue decrease during the period, primarily due to a 10% discount applied to its Popular contract, which became effective in the fourth quarter of 2025. This contractual adjustment partially offset the robust growth observed in the Latin America Payments and Solutions segment.

Show more

Stock Movement Drivers

Fundamental Drivers

The -0.2% change in EVTC stock from 12/31/2025 to 4/13/2026 was primarily driven by a -6.0% change in the company's Net Income Margin (%).

(LTM values as of)	12312025	4132026	Change
Stock Price ($)	29.04	28.97	-0.2%
Change Contribution By:
Total Revenues ($ Mil)	903	932	3.1%
Net Income Margin (%)	16.2%	15.2%	-6.0%
P/E Multiple	12.7	12.9	1.5%
Shares Outstanding (Mil)	64	63	1.5%
Cumulative Contribution			-0.2%

LTM = Last Twelve Months as of date shown

Market Drivers

12/31/2025 to 4/13/2026

	Return	Correlation
EVTC	-0.2%
Market (SPY)	-5.4%	20.4%
Sector (XLF)	-5.7%	38.9%

Fundamental Drivers

The -13.9% change in EVTC stock from 9/30/2025 to 4/13/2026 was primarily driven by a -17.4% change in the company's P/E Multiple.

(LTM values as of)	9302025	4132026	Change
Stock Price ($)	33.66	28.97	-13.9%
Change Contribution By:
Total Revenues ($ Mil)	887	932	5.1%
Net Income Margin (%)	15.6%	15.2%	-2.3%
P/E Multiple	15.6	12.9	-17.4%
Shares Outstanding (Mil)	64	63	1.5%
Cumulative Contribution			-13.9%

LTM = Last Twelve Months as of date shown

Market Drivers

9/30/2025 to 4/13/2026

	Return	Correlation
EVTC	-13.9%
Market (SPY)	-2.9%	19.7%
Sector (XLF)	-3.8%	42.8%

Fundamental Drivers

The -20.7% change in EVTC stock from 3/31/2025 to 4/13/2026 was primarily driven by a -37.5% change in the company's P/E Multiple.

(LTM values as of)	3312025	4132026	Change
Stock Price ($)	36.54	28.97	-20.7%
Change Contribution By:
Total Revenues ($ Mil)	845	932	10.2%
Net Income Margin (%)	13.3%	15.2%	14.1%
P/E Multiple	20.6	12.9	-37.5%
Shares Outstanding (Mil)	64	63	0.9%
Cumulative Contribution			-20.7%

LTM = Last Twelve Months as of date shown

Market Drivers

3/31/2025 to 4/13/2026

	Return	Correlation
EVTC	-20.7%
Market (SPY)	16.3%	46.2%
Sector (XLF)	4.8%	54.3%

Fundamental Drivers

The -12.7% change in EVTC stock from 3/31/2023 to 4/13/2026 was primarily driven by a -60.7% change in the company's Net Income Margin (%).

(LTM values as of)	3312023	4132026	Change
Stock Price ($)	33.17	28.97	-12.7%
Change Contribution By:
Total Revenues ($ Mil)	618	932	50.7%
Net Income Margin (%)	38.6%	15.2%	-60.7%
P/E Multiple	9.0	12.9	42.8%
Shares Outstanding (Mil)	65	63	3.2%
Cumulative Contribution			-12.7%

LTM = Last Twelve Months as of date shown

Market Drivers

3/31/2023 to 4/13/2026

	Return	Correlation
EVTC	-12.7%
Market (SPY)	63.3%	37.9%
Sector (XLF)	67.8%	48.4%

Return vs. Risk

Price Returns Compared

	2021	2022	2023	2024	2025	2026	Total [1]
Returns
EVTC Return	28%	-35%	27%	-15%	-15%	-4%	-27%
Peers Return	-29%	-21%	28%	7%	-4%	-18%	-40%
S&P 500 Return	27%	-19%	24%	23%	16%	-0%	81%
Monthly Win Rates [3]
EVTC Win Rate	58%	25%	58%	25%	42%	25%
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%	-13%
Peers Max Drawdown	-36%	-31%	-13%	-18%	-30%	-20%
S&P 500 Max Drawdown	-1%	-25%	-1%	-2%	-15%	-7%

[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 4/13/2026 (YTD)

How Low Can It Go

Unique Key	Event	EVTC	S&P 500
2022 Inflation Shock	2022 Inflation Shock
2022 Inflation Shock% Loss	% Loss	-39.5%	-25.4%
2022 Inflation Shock% Gain to Breakeven	% Gain to Breakeven	65.2%	34.1%
2022 Inflation ShockTime to Breakeven	Time to Breakeven	Not Fully Recovered days	464 days
2020 Covid Pandemic	2020 Covid Pandemic
2020 Covid Pandemic% Loss	% Loss	-46.7%	-33.9%
2020 Covid Pandemic% Gain to Breakeven	% Gain to Breakeven	87.5%	51.3%
2020 Covid PandemicTime to Breakeven	Time to Breakeven	149 days	148 days
2018 Correction	2018 Correction
2018 Correction% Loss	% Loss	-31.9%	-19.8%
2018 Correction% Gain to Breakeven	% Gain to Breakeven	46.9%	24.7%
2018 CorrectionTime to Breakeven	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)

Business Description Analogies Products Customers Suppliers Management Key Risks Emerging Threats Market Size Revenue Drivers Capital Allocation

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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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.

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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.

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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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NULL

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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.

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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.

Interactive Breakdown

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Better Bets vs. Evertec (EVTC)

INDUSTRY: Transaction & Payment Processing Services

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FOUR (28.0% | 9.0x)

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Higher Rev Chg LTM (Value for EVTC: 10.2%)

SEZL (66.1%)

Sezzle

FOUR (25.5%)

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MA (16.4%)

Higher Rev Chg 3Y Avg | Lower P/S (Values for EVTC: 14.8% | 2.0x)

PGR (21.0% | 1.3x)

Progressive

MFC (33.3% | 1.2x)

Manulife Financial

SLF (322.2% | 1.0x)

Sun Life Financial

ACGL (26.5% | 1.8x)

Arch Capital

LPLA (25.8% | 1.5x)

LPL Financial

Higher Rev Chg 3Y Avg | Lower P/Op Inc (Values for EVTC: 14.8% | 9.8x)

APO (66.8% | 7.9x)

Apollo Global Management

IBKR (38.4% | 3.8x)

Interactive Brokers

JEF (17.2% | 2.1x)

Jefferies Financial

SNEX (32.4% | 3.5x)

StoneX

PFSI (39.9% | 8.8x)

PennyMac Financial Services

Higher Rev Chg LTM (Value for EVTC: 10.2%)

SCHW (22.0%)

Charles Schwab

MA (16.4%)

Mastercard

MS (14.5%)

Morgan Stanley

V (12.5%)

Visa

RY (12.0%)

Royal Bank of Canada

Higher Rev Chg 3Y Avg (Value for EVTC: 14.8%)

KKR (65.2%)

KKR

BRK-B (27.0%)

Berkshire Hathaway

BX (22.6%)

Blackstone

PGR (21.0%)

Progressive

COF (16.8%)

Capital One Financial

Higher Op Mgn LTM (Value for EVTC: 20.0%)

V (67.0%)

Visa

CME (64.9%)

CME

MA (59.5%)

Mastercard

SPGI (40.3%)

S&P Global

BLK (32.7%)

BlackRock

Higher CFO/Rev LTM (Value for EVTC: 24.4%)

RY (91.5%)

Royal Bank of Canada

V (59.1%)

Visa

MA (53.8%)

Mastercard

SCHW (38.9%)

Charles Schwab

AXP (25.5%)

American Express

Higher FCF/Rev LTM (Value for EVTC: 14.5%)

RY (88.3%)

Royal Bank of Canada

V (55.4%)

Visa

MA (50.1%)

Mastercard

SCHW (36.6%)

Charles Schwab

AXP (22.2%)

American Express

Higher Total Yield (Value for EVTC: 8.4%)

TD (12.7%)

Toronto-Dominion Bank

PGR (12.1%)

Progressive

WFC (9.9%)

Wells Fargo

CB (9.1%)

Chubb

RY (8.7%)

Royal Bank of Canada

All Other Sectors

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ONEOK

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Coupang

Higher Rev Chg 3Y Avg | Lower P/Op Inc (Values for EVTC: 14.8% | 9.8x)

B (16.0% | 8.9x)

Barrick Mining

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ONEOK

CCL (23.1% | 8.4x)

Carnival

VICI (16.5% | 8.3x)

VICI Properties

EXE (37.0% | 8.4x)

Expand Energy

Higher Rev Chg LTM (Value for EVTC: 10.2%)

NVDA (65.5%)

NVIDIA

AVGO (25.2%)

Broadcom

MSFT (16.7%)

Microsoft

GOOGL (15.1%)

Alphabet

AMZN (12.4%)

Amazon.com

Higher Rev Chg 3Y Avg (Value for EVTC: 14.8%)

NVDA (101.8%)

NVIDIA

MU (45.3%)

Micron Technology

LLY (32.1%)

Eli Lilly

AVGO (26.2%)

Broadcom

META (19.9%)

Meta Platforms

Higher Op Mgn LTM (Value for EVTC: 20.0%)

NVDA (60.4%)

NVIDIA

MSFT (46.7%)

Microsoft

AVGO (41.5%)

Broadcom

AAPL (32.4%)

Apple

GOOGL (32.0%)

Alphabet

Higher CFO/Rev LTM (Value for EVTC: 24.4%)

MSFT (52.5%)

Microsoft

NVDA (47.6%)

NVIDIA

AVGO (43.5%)

Broadcom

GOOGL (40.9%)

Alphabet

AAPL (31.1%)

Apple

Higher FCF/Rev LTM (Value for EVTC: 14.5%)

NVDA (44.8%)

NVIDIA

AVGO (42.3%)

Broadcom

AAPL (28.3%)

Apple

MSFT (25.3%)

Microsoft

GOOGL (18.2%)

Alphabet

Higher Total Yield (Value for EVTC: 8.4%)

VZ (14.9%)

Verizon Communications

T (12.1%)

AT&T

PFE (11.3%)

Pfizer

ACN (9.7%)

Accenture

MRK (8.9%)

Merck

Best Bets in Financials

What You Pay

P/EBIT (Value for EVTC: 8.2x)

FG (6.8x)

F&G Annuities & Life

MTG (6.3x)

MGIC Investment

CME (19.6x)

CME

KNSL (12.8x)

Kinsale Capital

NHI (20.9x)

National Health Investors

NMIH (5.7x)

NMI

ENVA (9.2x)

Enova International

TW (22.5x)

Tradeweb Markets

FNF (7.8x)

Fidelity National Financial

MA (23.6x)

Mastercard

P/E (Value for EVTC: 12.9x)

FG (12.6x)

F&G Annuities & Life

MTG (8.3x)

MGIC Investment

CME (26.5x)

CME

KNSL (16.4x)

Kinsale Capital

NHI (28.6x)

National Health Investors

NMIH (7.7x)

NMI

ENVA (12.1x)

Enova International

TW (32.5x)

Tradeweb Markets

FNF (21.2x)

Fidelity National Financial

MA (30.4x)

Mastercard

What You Get

Rev Chg 3Y Avg (Value for EVTC: 14.8%)

FG (39.3%)

F&G Annuities & Life

MTG (1.2%)

MGIC Investment

CME (9.1%)

CME

KNSL (31.5%)

Kinsale Capital

NHI (10.6%)

National Health Investors

NMIH (10.5%)

NMI

ENVA (22.0%)

Enova International

TW (20.2%)

Tradeweb Markets

FNF (7.5%)

Fidelity National Financial

MA (13.8%)

Mastercard

Rev Chg LTM (Value for EVTC: 10.2%)

FG (0.1%)

F&G Annuities & Life

MTG (0.5%)

MGIC Investment

CME (6.4%)

CME

KNSL (18.0%)

Kinsale Capital

NHI (12.1%)

National Health Investors

NMIH (8.5%)

NMI

ENVA (18.6%)

Enova International

TW (18.9%)

Tradeweb Markets

FNF (5.9%)

Fidelity National Financial

MA (16.4%)

Mastercard

Rev Chg Q (Value for EVTC: 13.1%)

FG (13.5%)

F&G Annuities & Life

MTG (-0.9%)

MGIC Investment

CME (8.1%)

CME

KNSL (17.3%)

Kinsale Capital

NHI (23.4%)

National Health Investors

NMIH (8.5%)

NMI

ENVA (15.1%)

Enova International

TW (12.5%)

Tradeweb Markets

FNF (12.0%)

Fidelity National Financial

MA (17.6%)

Mastercard

FCF/Rev 3Y Avg (Value for EVTC: 17.7%)

FG (110.7%)

F&G Annuities & Life

MTG (63.9%)

MGIC Investment

CME (61.2%)

CME

KNSL (60.8%)

Kinsale Capital

NHI (60.1%)

National Health Investors

NMIH (58.5%)

NMI

ENVA (55.1%)

Enova International

TW (50.0%)

Tradeweb Markets

FNF (48.4%)

Fidelity National Financial

MA (47.2%)

Mastercard

[1] Choosing top 10 best bets from each sector quarterly is an alpha producing strategy vs sector benchmark
[2] Historical annualized return of 21%, alpha of 9.1%, and sharpe of 0.94

Latest Trefis Analyses

	Title	Date
0	DASHBOARDS
1	How Low Can Evertec Stock Really Go?	10/17/2025
2	EVTC Dip Buy Analysis	07/10/2025
3	Evertec Total Shareholder Return (TSR): -14.5% in 2024 and -10.5% 3-yr compounded annual returns (below peer average)	03/07/2025
4	Evertec (EVTC) Operating Cash Flow Comparison	02/17/2025
5	Evertec (EVTC) Net Income Comparison	02/15/2025
6	Evertec (EVTC) Operating Income Comparison	02/14/2025
7	Evertec (EVTC) Revenue Comparison	02/13/2025
8	Evertec vs. S&P500 Correlation	10/03/2024
9	Evertec Price Volatility	09/24/2024
10	Better Bet Than EVTC Stock: Pay Less Than Evertec To Get More From S&P 500 Stocks EOG, ALB	10/31/2023
11	ARTICLES
12	Stocks Trading At 52-Week Low	02/11/2026
13	PYPL’s 8.7% One Day Dip Begs The Question: Is EVTC Better Instead?	07/30/2025

	Title
0	DASHBOARDS
1	How Low Can Evertec Stock Really Go?
2	EVTC Dip Buy Analysis
3	Evertec Total Shareholder Return (TSR): -14.5% in 2024 and -10.5% 3-yr compounded annual returns (below peer average)
4	Evertec (EVTC) Operating Cash Flow Comparison
5	Evertec (EVTC) Net Income Comparison
6	Evertec (EVTC) Operating Income Comparison
7	Evertec (EVTC) Revenue Comparison
8	Evertec vs. S&P500 Correlation
9	Evertec Price Volatility
10	Better Bet Than EVTC Stock: Pay Less Than Evertec To Get More From S&P 500 Stocks EOG, ALB
11	ARTICLES
12	Stocks Trading At 52-Week Low
13	PYPL’s 8.7% One Day Dip Begs The Question: Is EVTC Better Instead?

Trade Ideas

Select ideas related to EVTC.

Unique Key	Date	Ticker	Company	Category	Trade Strategy	6M Fwd Rtn	12M Fwd Rtn	12M Max DD
HBAN_3312026_Insider_Buying_45D_2Buy_200K	03312026	HBAN	Huntington Bancshares	Insider	Insider Buys 45DStrong Insider Buying Companies with multiple insider buys in the last 45 days	0.0%	0.0%	0.0%
NP_3312026_Insider_Buying_45D_2Buy_200K	03312026	NP	Neptune Insurance	Insider	Insider Buys 45DStrong Insider Buying Companies with multiple insider buys in the last 45 days	0.0%	0.0%	0.0%
JKHY_3272026_Monopoly_xInd_xCD_Getting_Cheaper	03272026	JKHY	Jack Henry & Associates	Monopoly	MY \| Getting CheaperMonopoly-Like with P/S Decline Large cap with monopoly-like margins or cash flow generation and getting cheaper based on P/S multiple	3.1%	3.1%	0.0%
MKTX_3202026_Dip_Buyer_FCFYield	03202026	MKTX	MarketAxess	Dip Buy	DB \| FCFY OPMDip Buy with High FCF Yield and High Margin Buying dips for companies with high FCF yield and meaningfully high operating margin	-5.2%	-5.2%	-5.7%
RYAN_3202026_Insider_Buying_GTE_1Mil_EBITp+DE_V2	03202026	RYAN	Ryan Specialty	Insider	Insider Buys \| Low D/EStrong Insider Buying Companies with strong insider buying in the last 1 month, positive operating income and reasonable debt / market cap	-2.7%	-2.7%	-8.5%

Recent Active Movers

Top Gainers

Ticker	Company	Mkt Cap (B)	1D Rtn	YTD Rtn
RVMD	Revolution Medicines	26.5	41.3%	71.1%
CAR	Avis Budget	13.1	23.7%	189.1%
SYRE	Spyre Therapeutics	4.7	23.4%	93.1%
SGML	Sigma Lithium	1.9	17.1%	31.8%
QURE	uniQure	1.1	16.5%	-25.1%
PAR	PAR Technology	0.6	16.2%	-62.2%
QDEL	QuidelOrtho	1.1	16.1%	-43.7%
BTGO	BitGo	1.1	14.4%	-47.2%
ANRO	Alto Neuroscience	0.9	13.0%	44.7%
ORCL	Oracle	447.3	12.7%	-19.7%

Top Losers

Ticker	Company	Mkt Cap (B)	1D Rtn	YTD Rtn
REPL	Replimune	0.2	-64.3%	-82.5%
MSEX	Middlesex Water	1.0	-7.0%	3.7%
FAST	Fastenal	52.6	-6.9%	14.8%
SG	Sweetgreen	0.7	-6.8%	-15.1%
IOVA	Iovance Biotherapeutics	1.4	-6.5%	26.7%
AMRC	Ameresco	1.3	-6.0%	-15.3%
URGN	UroGen Pharma	1.0	-6.0%	-13.4%
SAM	Boston Beer	2.6	-5.5%	24.6%
NXT	Nextpower	16.6	-5.4%	28.1%
BROS	Dutch Bros	6.7	-5.4%	-13.7%

Top Gainers

Ticker	Company	Mkt Cap (B)	1W Rtn	YTD Rtn
CAR	Avis Budget	13.1	74.5%	189.1%
AXTI	AXT	3.0	58.2%	306.4%
LWLG	Lightwave Logic	1.5	44.7%	251.5%
RVMD	Revolution Medicines	26.5	42.9%	71.1%
AAOI	Applied Optoelectronics	10.8	42.6%	339.4%
ALAB	Astera Labs	28.3	41.4%	0.3%
OGN	Organon	2.2	41.2%	19.4%
HUT	Hut 8	7.6	40.7%	51.9%
AEHR	Aehr Test Systems	2.2	37.4%	254.9%
CRWV	CoreWeave	55.9	36.2%	54.0%

Top Losers

Ticker	Company	Mkt Cap (B)	1W Rtn	YTD Rtn
REPL	Replimune	0.2	-80.1%	-82.5%
KRUS	Kura Sushi USA	0.7	-23.3%	6.4%
FSLY	Fastly	3.7	-22.7%	139.4%
SMPL	Simply Good Foods	1.1	-21.9%	-44.7%
VG	Venture Global	31.2	-20.0%	87.2%
OKTA	Okta	11.6	-18.7%	-24.3%
PLSE	Pulse Biosciences	1.3	-17.5%	37.8%
AKAM	Akamai Technologies	13.7	-17.2%	8.8%
HUBS	HubSpot	10.8	-16.3%	-48.8%
GWRE	Guidewire Software	10.5	-16.0%	-38.2%

Top Gainers

Ticker	Company	Mkt Cap (B)	1M Rtn	YTD Rtn
XLO	Xilio Therapeutics	0.6	1554.6%	-5.6%
CAR	Avis Budget	13.1	272.6%	189.1%
SATL	Satellogic	1.0	151.7%	303.7%
APLS	Apellis Pharmaceuticals	5.2	122.1%	62.6%
ORKA	Oruka Therapeutics	3.3	91.9%	102.5%
AEHR	Aehr Test Systems	2.2	90.3%	254.9%
FBYD	Falcons Beyond Global	0.5	85.0%	-15.5%
KOD	Kodiak Sciences	2.2	76.3%	50.0%
KODK	Eastman Kodak	1.2	73.4%	41.3%
HTZ	Hertz Global	2.1	69.9%	28.6%

Top Losers

Ticker	Company	Mkt Cap (B)	1M Rtn	YTD Rtn
REPL	Replimune	0.2	-77.6%	-82.5%
VRDN	Viridian Therapeutics	1.4	-47.9%	-52.4%
MAZE	Maze Therapeutics	1.3	-47.1%	-33.8%
WVE	WAVE Life Sciences	1.3	-45.6%	-57.3%
BUR	Burford Capital	1.0	-42.4%	-49.7%
FRMI	Fermi	3.0	-36.8%	-36.0%
TE	T1 Energy	0.8	-34.0%	-23.5%
BOBS	Bobs Discount Furniture	1.5	-32.0%	-34.1%
ADMA	ADMA Biologics	2.5	-30.8%	-43.1%
CSIQ	Canadian Solar	0.9	-29.5%	-46.5%

Peer Comparisons

Peers to compare with:

Financials

	EVTC	FISV	FIS	GPN	JKHY	STNE	Median
Name	Evertec	Fiserv	Fidelity.	Global P.	Jack Hen.	StoneCo
Mkt Price	28.97	58.79	46.43	68.14	151.40	14.78	52.61
Mkt Cap	1.8	31.5	24.0	16.1	10.9	3.9	13.5
Rev LTM	932	21,193	10,677	8,309	2,465	14,533	9,493
Op Inc LTM	186	5,698	1,759	1,563	638	6,979	1,661
FCF LTM	136	4,299	1,827	2,039	470	-1,537	1,149
FCF 3Y Avg	144	4,378	2,212	2,104	326	-1,727	1,215
CFO LTM	227	6,062	2,816	2,657	708	-334	1,682
CFO 3Y Avg	233	5,952	3,074	2,755	558	-555	1,656

Growth & Margins

	EVTC	FISV	FIS	GPN	JKHY	STNE	Median
Name	Evertec	Fiserv	Fidelity.	Global P.	Jack Hen.	StoneCo
Rev Chg LTM	10.2%	3.6%	5.4%	-0.2%	8.4%	23.5%	6.9%
Rev Chg 3Y Avg	14.8%	6.1%	-3.5%	-1.7%	7.3%	21.3%	6.7%
Rev Chg Q	13.1%	0.6%	8.2%	-0.0%	7.9%	16.0%	8.1%
QoQ Delta Rev Chg LTM	3.1%	0.2%	2.0%	-0.0%	1.9%	3.3%	2.0%
Op Mgn LTM	20.0%	26.9%	16.5%	18.8%	25.9%	48.0%	22.9%
Op Mgn 3Y Avg	19.7%	27.0%	16.6%	20.0%	23.6%	48.3%	21.8%
QoQ Delta Op Mgn LTM	-1.2%	-1.8%	-0.2%	-2.3%	1.0%	0.4%	-0.7%
CFO/Rev LTM	24.4%	28.6%	26.4%	32.0%	28.7%	-2.3%	27.5%
CFO/Rev 3Y Avg	28.5%	29.4%	30.3%	34.4%	24.1%	-4.0%	28.9%
FCF/Rev LTM	14.5%	20.3%	17.1%	24.5%	19.1%	-10.6%	18.1%
FCF/Rev 3Y Avg	17.7%	21.6%	21.9%	26.3%	14.0%	-13.5%	19.6%

Valuation

	EVTC	FISV	FIS	GPN	JKHY	STNE	Median
Name	Evertec	Fiserv	Fidelity.	Global P.	Jack Hen.	StoneCo
Mkt Cap	1.8	31.5	24.0	16.1	10.9	3.9	13.5
P/S	2.0	1.5	2.2	1.9	4.4	0.3	2.0
P/EBIT	8.2	5.4	15.3	8.1	16.5	3.8	8.1
P/E	12.9	9.1	63.0	11.5	21.6	-3.6	12.2
P/CFO	8.0	5.2	8.5	6.1	15.4	-11.7	7.1
Total Yield	8.4%	11.0%	5.1%	10.2%	5.4%	-28.1%	6.9%
Dividend Yield	0.7%	0.0%	3.5%	1.5%	0.8%	0.0%	0.7%
FCF Yield 3Y Avg	6.6%	7.0%	6.1%	8.4%	2.6%	-75.3%	6.4%
D/E	0.6	0.9	0.6	1.4	0.0	4.1	0.8
Net D/E	0.5	0.9	0.5	0.8	-0.0	2.2	0.7

Returns

	EVTC	FISV	FIS	GPN	JKHY	STNE	Median
Name	Evertec	Fiserv	Fidelity.	Global P.	Jack Hen.	StoneCo
1M Rtn	-1.3%	3.6%	-6.6%	-0.8%	-10.3%	7.0%	-1.0%
3M Rtn	-4.5%	-13.8%	-29.3%	-14.2%	-20.1%	-1.0%	-14.0%
6M Rtn	-4.2%	-52.0%	-30.0%	-18.6%	0.2%	-13.2%	-15.9%
12M Rtn	-12.3%	-71.8%	-34.2%	-18.8%	-11.2%	28.2%	-15.6%
3Y Rtn	-10.7%	-49.1%	-12.6%	-34.7%	2.4%	24.8%	-11.7%
1M Excs Rtn	-3.4%	1.6%	-8.9%	-6.3%	-12.2%	3.6%	-4.9%
3M Excs Rtn	-2.7%	-14.7%	-28.8%	-12.9%	-18.5%	0.4%	-13.8%
6M Excs Rtn	-10.9%	-55.6%	-33.5%	-23.6%	-0.1%	-19.7%	-21.6%
12M Excs Rtn	-42.0%	-98.2%	-60.4%	-49.8%	-36.3%	7.2%	-45.9%
3Y Excs Rtn	-77.0%	-116.0%	-75.0%	-100.8%	-61.3%	-3.6%	-76.0%

FDIC Bank Data

$ Mil \| FY: 12/31	LTM	2025	2024	2023	2022	2021	2020
Period End	12/31/2025	12/31/2025	12/31/2024	12/31/2023	12/31/2022	12/31/2021	12/31/2020
Filing Date	3/2/2026	3/2/2026	3/3/2025	2/29/2024	2/24/2023	2/25/2022	3/1/2021
Key Financials
Total Revenue	932	932	845	695	618	590	511
EBITDA	348	345	322	211	371	280	220
Operating Income	186	186	166	136	157	197	141
Net Income	142	142	113	80	239	161	104
EPS	2.21	2.22	1.75	1.23	3.48	2.24	1.45
Growth Rates
Total Revenue Growth	10.2%	10.2%	21.7%	12.3%	4.9%	15.5%	4.8%
EBITDA Growth	6.9%	7.0%	52.5%	-43.1%	32.8%	26.8%	3.2%
Operating Income Growth	12.5%	12.5%	21.7%	-13.5%	-19.9%	39.0%	-2.2%
Net Income Growth	25.7%	25.7%	41.3%	-66.6%	48.3%	54.3%	0.9%
Margins
EBITDA Margin	37.4%	37.0%	38.1%	30.4%	60.0%	47.4%	43.2%
Operating Income Margin	20.0%	20.0%	19.6%	19.6%	25.5%	33.3%	27.7%
Net Income Margin	15.2%	15.2%	13.3%	11.5%	38.6%	27.3%	20.5%
Cash & Debt
Total Cash	306	306	274	296	185	266	203
Total Debt	1,130	1,130	967	986	447	487	524
Net Debt / (Cash)	824	824	693	691	262	220	321
Cash Flows
Net Cash from Operations	227	227	260	211	220	228	199
Free Cash from Operations	136	136	172	126	137	147	150
Returns to Shareholders
Dividends	13	13	13	13	14	14	14
Share Repurchases	69	69	82	36	97	24	7

$ Mil \| FY: 12/31	2025Q4	2025Q3	2025Q2	2025Q1	2024Q4	2024Q3	2024Q2	2024Q1	2023Q4	2023Q3	2023Q2	2023Q1
Period End	12/31/2025	9/30/2025	6/30/2025	3/31/2025	12/31/2024	9/30/2024	6/30/2024	3/31/2024	12/31/2023	9/30/2023	6/30/2023	3/31/2023
Filing Date	3/2/2026	11/7/2025	7/31/2025	5/8/2025	3/3/2025	11/8/2024	8/1/2024	5/2/2024	2/29/2024	10/27/2023	8/1/2023	4/28/2023
Key Financials Quarterly
Total Revenue	245	229	230	229	216	212	212	205	195	173	167	160
Ebitda	94	78	92	84	87	79	87	73	58	33	64	60
Operating Income	43	38	56	50	48	42	43	33	22	40	35	40
Net Income	36	33	40	33	40	25	32	16	11	10	28	30
EPS	0.56	0.51	0.63	0.51	0.63	0.39	0.50	0.25	0.18	0.16	0.43	0.46
Key Financials TTM
Total Revenue TTM	932	903	887	869	845	824	785	740	695	662	634	628
Ebitda TTM	348	341	342	337	326	297	251	228	214	218	358	361
Operating Income TTM	186	191	195	182	166	139	137	129	136	155	140	151
Net Income TTM	142	146	138	129	113	84	69	66	80	97	225	230
Growth Rates Quarterly
Total Revenue Growth	13.1%	7.9%	8.3%	11.4%	11.2%	22.3%	26.9%	28.5%	20.3%	18.8%	4.1%	6.4%
EBITDA Growth	8.1%	-1.1%	5.5%	15.9%	49.3%	142.2%	35.8%	22.3%	-5.7%	-81.1%	-4.0%	-14.6%
Operating Income Growth	-10.2%	-9.2%	29.5%	50.9%	120.7%	5.0%	24.7%	-18.2%	-46.8%	66.1%	-25.5%	-12.9%
Net Income Growth	-11.2%	33.2%	26.8%	104.7%	249.0%	145.9%	13.3%	-46.8%	-60.0%	-92.7%	-16.2%	-22.7%
Margins Quarterly
EBITDA Margin	38.2%	34.3%	40.0%	36.9%	40.0%	37.4%	41.1%	35.5%	29.8%	18.9%	38.4%	37.3%
Operating Income Margin	17.6%	16.5%	24.4%	21.6%	22.2%	19.6%	20.5%	16.0%	11.2%	22.8%	20.8%	25.1%
Net Income Margin	14.5%	14.4%	17.6%	14.3%	18.5%	11.7%	15.0%	7.8%	5.9%	5.8%	16.9%	18.8%
Cash & Debt
Total Cash	306	475	291	266	274	275	258	294	296	178	192	174
Total Debt	1,130	1,091	949	955	967	967	974	1,062	986	414	415	422
Net Debt / (Cash)	824	617	658	690	693	692	716	768	691	237	224	248
Cash Flows Quarterly
FCF from Operations	70	71	48	38	75	54	91	41	53	38	66	55
Cash Flows TTM
FCF from Operations TTM	227	232	215	257	260	238	222	197	211	219	211	207
Returns to Shareholders Quarterly
Dividends	3	3	3	3	3	3	3	3	3	3	3	3
Share Repurchases	66	-0	4	-0	-0	12	-0	70	12	8	10	6
Return on Invested Capital (ROIC) Quarterly
ROIC	20.0%	24.5%	31.0%	25.5%	26.5%	22.5%	23.4%	16.8%	10.8%	66.4%	49.3%	59.1%
Return on Invested Capital (ROIC) TTM
ROIC TTM	21.2%	29.1%	27.4%	24.8%	22.9%	19.2%	19.2%	16.1%	17.1%	58.7%	55.0%	54.9%

Segment Financials

Revenue by Segment

$ Mil	2025	2024	2023	2022	2021
Latin America Payments and Solutions	303	187	128	106	85
Business Solutions	244	227	235	244	235
Payment Services - Puerto Rico & Caribbean	215	203	178	155	125
Merchant Acquiring, net	180	162	151	144	110
Intersegment revenues	-97	-84
Corporate and Other			-75	-59	-44
Total	845	695	618	590	511

Price Behavior

Price Behavior

Market Price	$28.97
Market Cap ($ Bil)	1.8
First Trading Date	04/12/2013
Distance from 52W High	-24.1%
	50 Days	200 Days
DMA Price	$27.89	$30.92
DMA Trend	down	down
Distance from DMA	3.9%	-6.3%
	3M	1YR
Volatility	38.3%	31.1%
Downside Capture	0.31	0.50
Upside Capture	58.17	55.64
Correlation (SPY)	18.0%	29.9%

EVTC Betas & Captures as of 3/31/2026

	1M	2M	3M	6M	1Y	3Y
Beta	0.49	0.50	0.60	0.52	0.80	0.76
Up Beta	1.58	-0.34	0.28	-0.09	0.78	0.88
Down Beta	-0.25	0.77	0.62	0.51	0.84	0.65
Up Capture	111%	61%	67%	37%	47%	31%
Bmk +ve Days	7	16	27	65	139	424
Stock +ve Days	12	23	32	58	124	377
Down Capture	47%	56%	69%	90%	102%	95%
Bmk -ve Days	12	23	33	58	110	323
Stock -ve Days	10	19	31	66	126	372

[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	-15.8%	31.2%	-0.53	-
Sector ETF (XLF)	10.5%	15.6%	0.45	46.9%
Equity (SPY)	18.7%	13.7%	1.06	33.2%
Gold (GLD)	53.7%	27.6%	1.55	-15.0%
Commodities (DBC)	25.2%	16.2%	1.37	-5.7%
Real Estate (VNQ)	14.8%	14.0%	0.76	30.6%
Bitcoin (BTCUSD)	-11.7%	43.0%	-0.17	16.1%

Smart multi-asset allocation framework can stack odds in your favor. Learn How

Based On 5-Year Data

	Annualized Return	Annualized Volatility	Sharpe Ratio	Correlation with EVTC
EVTC	-5.3%	29.5%	-0.16	-
Sector ETF (XLF)	10.1%	18.7%	0.42	50.5%
Equity (SPY)	11.1%	17.0%	0.50	47.6%
Gold (GLD)	21.8%	17.8%	1.01	1.4%
Commodities (DBC)	11.7%	18.8%	0.51	10.5%
Real Estate (VNQ)	3.7%	18.8%	0.10	45.2%
Bitcoin (BTCUSD)	4.6%	56.6%	0.30	20.4%

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	8.5%	32.3%	0.33	-
Sector ETF (XLF)	13.0%	22.2%	0.54	54.6%
Equity (SPY)	13.9%	17.9%	0.67	54.2%
Gold (GLD)	14.2%	15.9%	0.74	0.5%
Commodities (DBC)	8.8%	17.6%	0.42	18.0%
Real Estate (VNQ)	5.2%	20.7%	0.22	47.1%
Bitcoin (BTCUSD)	67.5%	66.9%	1.07	15.5%

Smart multi-asset allocation framework can stack odds in your favor. Learn How

Short Interest

Short Interest: As Of Date	3312026
Short Interest: Shares Quantity	1.9 Mil
Short Interest: % Change Since 3152026	6.6%
Average Daily Volume	0.5 Mil
Days-to-Cover Short Interest	3.9 days
Basic Shares Quantity	63.1 Mil
Short % of Basic Shares	3.0%

Returns Analyses

	Title
0	How Low Can Evertec Stock Really Go?
1	Evertec Stock Return Comparison
2	[9/29/2021] Evertec (EVTC) Stock Price Forecast: AI Forecasts EVTC Stock Price To Be Around $48.4 In A Month (Up 2.3%)
3	Evertec Total Shareholder Return (TSR): -34.8% in 2022 and -1.2% 3-yr returns (below peer average)
4	Evertec (EVTC) Stock Return: AI Predicts EVTC Average and Excess Return After a Fall or Rise

Earnings Returns History

Expand for More

	Forward Returns
Earnings Date	1D Returns	5D Returns	21D Returns
2/26/2026	9.9%	11.4%	5.9%
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%
...
SUMMARY STATS
# Positive	11	8	10
# Negative	8	11	9
Median Positive	3.0%	6.7%	8.1%
Median Negative	-4.1%	-4.8%	-4.6%
Max Positive	16.1%	17.2%	22.8%
Max Negative	-10.6%	-15.1%	-15.7%

	Forward Returns
2/26/2026	9.9%	11.4%	5.9%
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%
7/21/2023	-0.3%	-4.6%	-6.4%
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%
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%
3/1/2021	-5.5%	-5.0%	-4.6%
8/4/2020	-1.2%	-4.2%	10.5%
5/8/2020	0.9%	-0.9%	22.8%
SUMMARY STATS
# Positive	11	8	10
# Negative	8	11	9
Median Positive	3.0%	6.7%	8.1%
Median Negative	-4.1%	-4.8%	-4.6%
Max Positive	16.1%	17.2%	22.8%
Max Negative	-10.6%	-15.1%	-15.7%

SEC Filings

Expand for More

Report Date	Filing Date	Filing
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

Recent Forward Guidance [BETA]

Latest: 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 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%

Prior: 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 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
2025 Revenue Growth	8.9%	9.25%	9.6%

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

EVTC Trade Sentinel

Stock Conviction

null

Key KPI Watchlist

KPI	Threshold	Rationale

Core Investment Debate

BULL VIEW

CORE TENSION

PREVAILING SENTIMENT

BEAR VIEW

Next 6 months: Risks and Catalysts

Timeline	Event & Metric To Watch

Key Events in Last 6 Months

Date	Event	Stock Impact

Risk Management

Position Sizing

null

Diversification Alternatives

How Is The Market Pricing EVTC?

What will confirm the thesis

What will damage the thesis

Noise: Real but irrelevant to thesis

Repricing Catalyst

What EVTC Makes & Who Pays

TTM figures based on

EVTC Evolution: Price Return by Era

① Structure

② Volume / Momentum

③ Catalyst

Combined Score

0 / 12

1 Price Structure & Trend · ▾

2 Momentum ▾

3 Relative Strength vs. SPY ▾

4 Institutional Footprint & Volume ▾

5 Volatility ▾

6 Key Price Levels Range · Vol ▾

7 Earnings Reaction History ▾

8 How the Verdict Is Derived Three Pillars ▾

Pillar	Score
① Structure	0
② Vol / Mom	0
③ Catalyst	0

ℹ Bull Pillars: 0 · Bear Pillars: 0 · Combined Score: 0 →

Industry Resources

Financials Resources

Federal Reserve Economic Data

External Quote Links

0	Y Finance	Barrons
1	TradingView	Morningstar
2	SeekingAlpha	ValueLine
3	Motley Fool	Robinhood
4	CNBC	Etrade
5	MarketWatch	Unusual Whales
6	YCharts	Perplexity Finance
7	FinViz

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Evertec (EVTC)

Market Price (4/14/2026): $28.97 | Market Cap: $1.8 BilSector: Financials | Industry: Transaction & Payment Processing Services

Evertec (EVTC)

Market Price (4/14/2026): $28.97Market 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.

Valuation, Metrics & Events

Price Chart

Why The Stock Moved

Qualitative Assessment

Stock Movement Drivers

Fundamental Drivers

Market Drivers

Fundamental Drivers

Market Drivers

Fundamental Drivers

Market Drivers

Fundamental Drivers

Market Drivers

Return vs. Risk

Price Returns Compared

How Low Can It Go

In The Past

Preserve Wealth

Asset Allocation

About Evertec (EVTC)

Interactive Breakdown

Better Bets vs. Evertec (EVTC)

INDUSTRY: Transaction & Payment Processing Services

Higher Rev Chg 3Y Avg | Lower P/S (Values for EVTC: 14.8% | 2.0x)

Higher Rev Chg 3Y Avg | Lower P/Op Inc (Values for EVTC: 14.8% | 9.8x)

Higher Rev Chg LTM (Value for EVTC: 10.2%)

Higher Rev Chg 3Y Avg (Value for EVTC: 14.8%)

Higher Op Mgn LTM (Value for EVTC: 20.0%)

Higher CFO/Rev LTM (Value for EVTC: 24.4%)

Higher FCF/Rev LTM (Value for EVTC: 14.5%)

Higher Total Yield (Value for EVTC: 8.4%)

SECTOR: Financials

Higher Rev Chg 3Y Avg | Lower P/S (Values for EVTC: 14.8% | 2.0x)

Higher Rev Chg 3Y Avg | Lower P/Op Inc (Values for EVTC: 14.8% | 9.8x)

Higher Rev Chg LTM (Value for EVTC: 10.2%)

Higher Rev Chg 3Y Avg (Value for EVTC: 14.8%)

Higher Op Mgn LTM (Value for EVTC: 20.0%)

Higher CFO/Rev LTM (Value for EVTC: 24.4%)

Higher FCF/Rev LTM (Value for EVTC: 14.5%)

Higher Total Yield (Value for EVTC: 8.4%)

All Other Sectors

Higher Rev Chg 3Y Avg | Lower P/S (Values for EVTC: 14.8% | 2.0x)

Higher Rev Chg 3Y Avg | Lower P/Op Inc (Values for EVTC: 14.8% | 9.8x)

Higher Rev Chg LTM (Value for EVTC: 10.2%)

Higher Rev Chg 3Y Avg (Value for EVTC: 14.8%)

Higher Op Mgn LTM (Value for EVTC: 20.0%)

Higher CFO/Rev LTM (Value for EVTC: 24.4%)

Higher FCF/Rev LTM (Value for EVTC: 14.5%)

Higher Total Yield (Value for EVTC: 8.4%)

Best Bets in Financials

P/EBIT (Value for EVTC: 8.2x)

P/E (Value for EVTC: 12.9x)

Rev Chg 3Y Avg (Value for EVTC: 14.8%)

Rev Chg LTM (Value for EVTC: 10.2%)

Rev Chg Q (Value for EVTC: 13.1%)

FCF/Rev 3Y Avg (Value for EVTC: 17.7%)

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Market Price (4/14/2026): $28.97 | Market Cap: $1.8 Bil
Sector: Financials | Industry: Transaction & Payment Processing Services

Market Price (4/14/2026): $28.97
Market Cap: $1.8 Bil
Sector: Financials
Industry: Transaction & Payment Processing Services