PYPL’s 8.7% One Day Dip Begs The Question: Is EVTC Better Instead?
Evertec (EVTC) offers superior revenue growth across key periods, better profitability, and relatively lower valuation vs PayPal (PYPL), suggesting you may be better off investing in EVTC
- EVTC’s quarterly revenue growth was 11.4%, vs. PYPL’s 1.2%.
- In addition, its Last 12 Months growth came in at 17.4%, ahead of PYPL’s 4.8%.
- EVTC leads on profitability over both periods – LTM margin of 21.0% and 3-year average of 20.8%.
That is one way to look at stocks. Trefis High Quality Portfolio evaluates much more, and is designed to reduce stock-specific risk while giving upside exposure
Valuation & Performance Overview
| PYPL | EVTC | Preferred | |
|---|---|---|---|
| Valuation | |||
| P/EBIT Ratio | 11.8 | 11.7 | EVTC |
| Revenue Growth | |||
| Last Quarter | 1.2% | 11.4% | EVTC |
| Last 12 Months | 4.8% | 17.4% | EVTC |
| Last 3 Year Average | 7.3% | 13.3% | EVTC |
| Operating Margins | |||
| Last 12 Months | 18.7% | 21.0% | EVTC |
| Last 3 Year Average | 17.2% | 20.8% | EVTC |
| Momentum | |||
| Last 3 Year Return | -17.4% | -12.8% | EVTC |
Note: For “Last 3 Year Return” metric, preferred stock is one with higher returns unless the returns are too high (>300%) which creates risk of sell off.
See more revenue details: PYPL Revenue Comparison | EVTC Revenue Comparison
See more margin details: PYPL Operating Income Comparison | EVTC Operating Income Comparison
Historical Market Performance
| 2020 | 2021 | 2022 | 2023 | 2024 | 2025 | Total [1] | Avg | Best | |
|---|---|---|---|---|---|---|---|---|---|
| Returns | |||||||||
| PYPL Return | 117% | -19% | -62% | -14% | 39% | -16% | -28% | ||
| EVTC Return | 16% | 28% | -35% | 27% | -15% | -3% | 1% | ||
| S&P 500 Return | 16% | 27% | -19% | 24% | 23% | 8% | 98% | <=== | |
| Monthly Win Rates [3] | |||||||||
| PYPL Win Rate | 67% | 50% | 25% | 58% | 58% | 67% | 54% | ||
| EVTC Win Rate | 50% | 58% | 25% | 58% | 25% | 33% | 42% | ||
| S&P 500 Win Rate | 58% | 75% | 42% | 67% | 75% | 50% | 61% | <=== | |
| Max Drawdowns [4] | |||||||||
| PYPL Max Drawdown | -21% | -23% | -64% | -29% | -9% | -33% | -30% | ||
| EVTC Max Drawdown | -45% | -12% | -38% | -2% | -27% | -8% | -22% | ||
| S&P 500 Max Drawdown | -31% | -1% | -25% | -1% | -2% | -15% | -12% | <=== | |
[1] Cumulative total returns since the beginning of 2020
[2] 2025 data is for the year till date (YTD)
[3] Win Rate = % of calendar months in which monthly returns were positive
[4] Max drawdown represents maximum peak-to-trough decline within a year