EVTC
EVERTEC, Inc.
EVTC's fundamentals are mixed: revenue grew 16%, but earnings per share fell 32%. At 21x earnings, it's trading in line with its usual 20x. Analysts expect earnings growth.
EVTC Fundamentals
| Metric | Status |
|---|---|
| Healthy | |
| Healthy | |
| Strong | |
| Weak |
EVTC's revenue, profitability and cash flow are currently healthy, but its balance sheet is weak.
EVTC PE Valuation
| Level | PE | Price | Vs current |
|---|---|---|---|
| Forward | 7.5x | $32.12 | — |
| Cheap | 12x | $18.97 | -41% |
| Fair | 20x | $30.81 | -4.1% |
| Current | 21x | $32.12 | — |
| Expensive | 28x | $43.54 | +36% |
Historical ranges are pointers, not guarantees.
EVTC's PE is in its fair range at 21x. If earnings grow as analysts expect, today's price would be 7.5x next year's earnings, in its cheap range.
EVTC Forward outlook
| Metric | Outlook |
|---|---|
| Strongly improving | |
| Growth | |
| Growth | |
| Weakening | |
| Limited | |
| High |
Analysts expect earnings and revenue growth for EVTC, but weaker profitability.
EVTC Earnings Per Share
| Quarter | TTM EPS | YoY |
|---|---|---|
| Forward | $4.29 | +181% |
| Q3 2026 | $1.53 | -32% |
| Q2 2026 | $1.55 | -27% |
| Q1 2026 | $2.08 | +4.5% |
| Q4 2025 | $2.20 | +27% |
| Q3 2025 | $2.25 | +76% |
| Q2 2025 | $2.12 | +102% |
| Q1 2025 | $1.99 | +101% |
| Q4 2024 | $1.73 | +43% |
EVTC's earnings per share have fallen from their peak: $1.53 over the past year, against $3.62 in late 2022.
EVTC Quarterly Revenue
| Quarter | Revenue | YoY |
|---|---|---|
| Q3 2026 | $283M | +24% |
| Q2 2026 | $274.8M | +20% |
| Q1 2026 | $247.9M | +8.4% |
| Q4 2025 | $244.8M | +13% |
| Q3 2025 | $228.6M | +7.9% |
| Q2 2025 | $229.6M | +8.3% |
| Q1 2025 | $228.8M | +11% |
| Q4 2024 | $216.4M | +11% |
EVTC's revenue has grown year over year for 16 quarters in a row: $283M last quarter, up 24% from the same quarter a year ago.
| Quarter | Margin | YoY |
|---|---|---|
| Q3 2026 | 18% | +1.4 points |
| Q2 2026 | 19% | -5.1 points |
| Q1 2026 | 18% | -3.7 points |
| Q4 2025 | 18% | -4.6 points |
| Q3 2025 | 17% | -3.1 points |
| Q2 2025 | 24% | +4 points |
| Q1 2025 | 22% | +5.7 points |
| Q4 2024 | 22% | +11 points |
EVTC's operating margin was 18% last quarter, up 1.4 points from the same quarter a year ago.
EVTC Free Cash Flow
| Quarter | Free cash flow | YoY |
|---|---|---|
| Q3 2026 | $79.2M | +21% |
| Q2 2026 | $54.6M | +25% |
| Q1 2026 | $24.9M | -20% |
| Q4 2025 | $63.7M | -10% |
| Q3 2025 | $65.3M | +31% |
| Q2 2025 | $43.5M | -48% |
| Q1 2025 | $31.2M | +2.1% |
| Q4 2024 | $70.8M | +27% |
EVTC's free cash flow has been positive every quarter for seven years: $222M over the past year, up 5.5% from the year before.
EVTC Total Shares
| Period | Change % | Net change |
|---|---|---|
| Quarterly | -1.7% | -1M shares |
| 1 year | -6.7% | -4.3M shares |
| 3 years | -8.1% | -5.4M shares |
| 5 years | -17% | -12.5M shares |
| Available history | -18% | -13.1M shares |
EVTC has 60M diluted shares, down 6.7% from a year ago, with $148M in buybacks over the past year.
| Quarter | Spent |
|---|---|
| Q3 2026 | $15.4M |
| Q2 2026 | $47M |
| Q1 2026 | $20M |
| Q4 2025 | $65.6M |
| Q3 2025 | — |
| Q2 2025 | $3.7M |
| Q1 2025 | — |
| Q4 2024 | — |
EVTC spent $148M buying back its own shares over the past year, more than ten times what it spent the year before.
EVTC Net Leverage
| Quarter | Net Leverage | Status |
|---|---|---|
| Q3 2026 | 4.6x | High |
| Q2 2026 | 5.1x | High |
| Q1 2026 | 4.0x | Elevated |
| Q4 2025 | 3.7x | Elevated |
| Q3 2025 | 2.9x | Moderate |
| Q2 2025 | 3.0x | Moderate |
| Q1 2025 | 3.3x | Elevated |
| Q4 2024 | 3.6x | Elevated |
EVTC's net debt is about 4.6 years of its operating earnings (EBITDA), up from 2.9 years a year ago.
EVTC Weekly Momentum
| Metric | Value | Status |
|---|---|---|
| RSI | 57.1 | Neutral |
| Stochastic | 68.5 | Neutral |
EVTC's weekly RSI is 57 (neutral) and its Stochastic is 69 (neutral).
EVTC PE vs Technology Sector
| Metric | EVTC | Sector median | Relative |
|---|---|---|---|
| PE | 21x | 28x | 25% below |
| PE % | 53 | 35 | 18 pts above |
EVTC is trading at 21x earnings, a 25% discount to the Technology sector's median of 28x.
EVTC Weekly Moving Averages
| Moving average | MA price | Relative |
|---|---|---|
| 8 week MA | $30.7 | 4.5% above |
| 20 week MA | $30.2 | 6.4% above |
| 50 week MA | $28.7 | 12% above |
| 100 week MA | $31.3 | 2.6% above |
| 200 week MA | $33.8 | 4.9% below |
EVTC has bounced recently, but its long-term trend is still down: it's above its 8-, 20-, 50- and 100-week averages, but 4.9% below its 200-week average.
EVTC Yearly ROI
| Year | Start price | End price | ROI |
|---|---|---|---|
| 2020 | $33.9 | $40.0 | +18% |
| 2021 | $40.0 | $49.6 | +24% |
| 2022 | $49.6 | $31.3 | -37% |
| 2023 | $31.3 | $40.9 | +31% |
| 2024 | $40.9 | $34.8 | -15% |
| 2025 | $34.8 | $29.6 | -15% |
| 2026 YTD | $29.6 | $32.1 | +8.7% |
EVTC has finished lower in three of the last six years. It's up 8.7% so far in 2026.