Technology · Software - Infrastructure
Price
$27.37
Market Cap
$1.7B
Employees
4,800
Beta
0.74
Avg Volume
579,616
CEO
Morgan Schuessler Jr.
Business Description
EVERTEC, Inc. specializes in transaction processing services, with a strong presence throughout Latin America and the Caribbean. The company's operations are divided into distinct segments: Payment Services for Puerto Rico & the Caribbean, Payment Services for Latin America, Merchant Acquiring, Business Solutions, and Corporate & Other. Among its core offerings are merchant acquiring services, which enable both brick-and-mortar and online businesses to securely accept and process various electronic payment options, such as debit, credit, prepaid, and Electronic Benefit Transfer (EBT) cards. EVERTEC also delivers extensive payment processing solutions designed to assist financial institutions and other issuers in managing and facilitating credit, debit, prepaid, automated teller machine (ATM), and EBT card programs. This includes critical functions like credit and debit card processing, transaction authorization and settlement, and advanced fraud detection and control mechanisms, alongside specific EBT services. Additionally, the company provides a suite of business process management (BPM) solutions. These offerings encompass services such as core bank processing, network hosting and management, IT consulting, business process outsourcing, item and cash processing, and fulfillment solutions, serving financial institutions, corporate enterprises, and government bodies. A key asset for EVERTEC is its ownership and operation of the ATH network, which serves as both an ATM and a PIN debit network. The company manages a sophisticated system of electronic payment networks capable of processing approximately three billion transactions annually. Services are primarily distributed through a dedicated direct sales force. Its broad clientele includes financial institutions, merchants, corporations, and government agencies. EVERTEC, Inc. was founded in 1988 and is headquartered in San Juan, Puerto Rico.
Business History
Price Overview
Last updated: Jun 27, 2026 8:59am (just now)$27.37
+1.09 (+4.15%)
Day Range
$25.83 – $27.60
52-Week Range
$21.81 – $37.78
50-Day MA
$26.14
200-Day MA
$28.66
Volume
600,342.00
Analyst Price Targets
Low
$25.00
Consensus
$29.50
High
$34.00
(5 analysts)
Share Structure
Outstanding
61,620,344.00
Float
60,696,039.00
Free Float
98.5%
High free float
— 98.5% of shares trade freely, ~1.5% held by insiders/institutions
Very liquid — most shares trade freely. Low insider ownership can mean less management alignment, but makes large position sizing straightforward.
Price History (1 Year)
Revenue & Net Income Trend
The directional story — useful even when net income is negative.
Revenue
The top line — total sales before any costs or taxes are subtracted. A measure of how much business the company is doing.
Net Income
The bottom line — profit left after subtracting all expenses, interest, and taxes from revenue. Reflects accounting profitability, but includes non-cash items like depreciation, so it isn't the same as cash earned.
Operating Cash Flow
The real cash generated by the day-to-day business — selling products, paying suppliers, collecting from customers. Calculated from net income by adding back non-cash items and adjusting for timing (unpaid bills, unsold inventory). When OCF consistently lags net income, the reported profit may not be converting to real money.
| Period | Revenue | Net Income | Net Margin | YoY/QoQ |
|---|
Key Metrics
API Direct from provider
CALC Derived from statements
P/E Ratio (Price per dollar of earnings)
APIStock Price / EPS (Diluted)
12.75
Stock Price: $27.37
EPS (Diluted): 2.22
EPS (Diluted): 2.22
P/B Ratio (Price vs net asset value)
APIStock Price / Book Value Per Share
2.98
Stock Price: $27.37
Total Equity: $621.61M
Shares: 64,422,155
Total Equity: $621.61M
Shares: 64,422,155
EV/EBITDA (Total value vs operating profit)
APIEnterprise Value / EBITDA
7.25
Market Cap: $1.69B
Total Debt: $1.09B
Cash: $305.99M
EBITDA: $344.74M
Total Debt: $1.09B
Cash: $305.99M
EBITDA: $344.74M
Enterprise Value (Takeover price (cap + debt - cash))
APIMarket Cap + Total Debt - Cash
$2.7B
Market Cap: $1.69B
Total Debt: $1.09B
Cash: $305.99M
Total Debt: $1.09B
Cash: $305.99M
Gross Margin (Revenue left after direct costs)
APIGross Profit / Revenue
49.7%
Gross Profit: $462.69M
Revenue: $931.82M
Revenue: $931.82M
Operating Margin (Revenue left after all operations)
APIOperating Income / Revenue
20.0%
Operating Income: $186.44M
Revenue: $931.82M
Revenue: $931.82M
Net Margin (Revenue left as actual profit)
APINet Income / Revenue
15.2%
Net Income: $141.59M
Revenue: $931.82M
Revenue: $931.82M
ROE (Profit from shareholder equity)
APINet Income / Total Equity
20.7%
Net Income: $141.59M
Total Equity: $621.61M
Total Equity: $621.61M
ROIC (Profit from all invested capital)
APINOPAT / Invested Capital
8.3%
Operating Income: $186.44M
Tax Rate: 6.4%
Equity: $621.61M
Total Debt: $1.09B
Cash: $305.99M
Tax Rate: 6.4%
Equity: $621.61M
Total Debt: $1.09B
Cash: $305.99M
Current Ratio (Can it pay short-term bills)
APICurrent Assets / Current Liabilities
2.07
Current Assets: $590.77M
Current Liabilities: $285.04M
Current Liabilities: $285.04M
Debt/Equity (Leverage — debt vs equity)
CALCTotal Debt / Total Equity
1.76
Short-Term Debt: $33.87M
Long-Term Debt: $1.06B
Total Debt: $1.09B
Total Equity: $621.61M
Long-Term Debt: $1.06B
Total Debt: $1.09B
Total Equity: $621.61M
Rev/Share (Top-line per share)
CALCRevenue / Shares Outstanding
$14.46
Revenue: $931.82M
Shares: 64,422,155
Shares: 64,422,155
Book Value/Share (Net assets per share)
CALC(Total Assets - Total Liabilities) / Shares
$9.65
Total Equity: $621.61M
Shares: 64,422,155
Shares: 64,422,155
FCF/Share (Real cash generated per share)
CALC(Operating Cash Flow + CapEx) / Shares
$2.10
Operating CF: $227.01M
CapEx: -$91.50M
Shares: 64,422,155
CapEx: -$91.50M
Shares: 64,422,155
CapEx is negative (outflow) — added to OCF to get FCF
Div Yield (Annual income from holding)
APILast Annual Dividend / Stock Price
0.7%
Last Dividend: N/A
Stock Price: $27.37
Stock Price: $27.37
Payout Ratio (Earnings paid out as dividends)
Dividends Paid / Net Income
—
Dividends Paid: N/A
Net Income: $141.59M
Net Income: $141.59M
Dividends paid not available in cash flow statement
Industry Benchmarks
Compares EVTC against LLM-researched typical ranges for its
industry. One research call per industry, cached indefinitely — every stock in the same industry
reuses the same baseline.
Deep Analysis
Pre-flight intelligence scans the company first, then routes to the right analytical methods.
0
Company Classification
— What type of company is this?
1
Industry Landscape
— Where is the industry headed?
2
Company Momentum
— Where is this company trending?
3
Forward Projection
— 1Y & 2Y projected metrics (requires Layer 1 + 2)
4a
DCF Valuation
— Present value of future cash flows
4b
Earnings Power Value
— Floor value — worth with zero growth
4c
Anchored PE
— Industry PE adjusted for growth differential
4d
Reverse DCF
— What growth is the market pricing in?
4e
Revenue-Based DCF
— For growth/narrative companies (skip if mature earner)
4f
Anchored P/S
— Price-to-Sales peer comparison (skip if mature earner)
4g
Scenario Analysis
— Bull / Base / Bear (skip if mature earner)
4h
Dividend Discount Model
— For dividend/income stocks only
4i
Book Value Analysis
— For deep value / turnaround stocks only
4j
Insider Activity
— Are insiders buying or selling?
4f
Cash Flow Quality
— How trustworthy is the FCF?
4g
Debt Maturity Risk
— Can it handle its debt?
4h
Macro Environment
— Rates, market valuation, volatility
4i
Sector Intelligence
— How does this company compare within its sector?
4j
Revenue Confidence
— How reliable is the growth projection?
4k
Sensitivity Analysis
— How fragile is the fair value estimate?
4l
Sector Demand Cycle
— Is the sector in a boom, steady state, or contraction?
5
AI Investigation
— Adaptive research engine (Claude)
5b
Thesis Evaluation
— What does the market believe? (narrative/platform stocks only)
6
Valuation Synthesis
— Weighted verdict from all methods (requires Layer 4)
Income Statement (Annual)
Last updated: Jun 21, 2026 7:29pm (5d ago)| Metric | 2021 | 2022 | 2023 | 2024 | 2025 |
|---|---|---|---|---|---|
| Revenue | $589.8M | $618.4M | $694.7M | $845.5M | $931.8M |
| Cost of Revenue | $250.2M | $292.6M | $336.8M | $406.4M | $469.1M |
| Gross Profit | $339.6M | $325.8M | $358.0M | $439.1M | $462.7M |
| Operating Expenses | $143.1M | $168.4M | $221.8M | $273.4M | $276.3M |
| Operating Income | $196.5M | $157.4M | $136.2M | $165.7M | $186.4M |
| Net Income | $161.1M | $239.0M | $79.7M | $112.6M | $141.6M |
| EBITDA | $279.6M | $371.2M | $211.3M | $322.2M | $344.7M |
| EPS | $2.24 | $3.48 | $1.23 | $1.75 | $2.22 |
| EPS (Diluted) | — | — | — | — | — |
Balance Sheet (Annual)
Last updated: Jun 21, 2026 7:29pm (5d ago)| Metric | 2021 | 2022 | 2023 | 2024 | 2025 |
|---|---|---|---|---|---|
| Cash & Equivalents | $266.4M | $185.3M | $295.6M | $273.6M | $306.0M |
| Total Current Assets | $436.4M | $389.1M | $561.4M | $529.1M | $590.8M |
| Total Assets | $1.1B | $1.1B | $2.1B | $1.9B | $2.2B |
| Current Liabilities | $152.9M | $208.4M | $298.3M | $279.7M | $285.0M |
| Long-Term Debt | $444.8M | $389.5M | $946.8M | $931.6M | $1.1B |
| Total Liabilities | $674.5M | $657.0M | $1.4B | $1.3B | $1.5B |
| Total Equity | $466.2M | $471.5M | $594.3M | $472.5M | $621.6M |
| Retained Earnings | $506.1M | $487.3M | $538.9M | $599.6M | $687.7M |
Cash Flow (Annual)
Last updated: Jun 21, 2026 7:29pm (5d ago)| Metric | 2021 | 2022 | 2023 | 2024 | 2025 |
|---|---|---|---|---|---|
| Operating Cash Flow | $228.4M | $219.9M | $211.2M | $260.1M | $227.0M |
| Capital Expenditure | -$81.7M | -$82.5M | -$85.0M | -$88.4M | -$91.5M |
| Free Cash Flow | $146.8M | $137.4M | $126.2M | $171.6M | $135.5M |
| Acquisitions (net) | $0 | -$44.4M | -$423.1M | -$36.0M | -$144.4M |
| Debt Repayment | — | — | — | — | — |
| Dividends Paid | — | — | — | — | — |
| Stock Buybacks | -$24.4M | -$96.6M | -$36.1M | -$82.3M | -$69.3M |
| Net Change in Cash | $64.8M | -$70.3M | $128.1M | -$29.1M | $33.5M |
Analyst Estimates (Annual)
Last updated: Jun 26, 2026 6:31pm (14h ago)| Metric | 2025 | 2026 | 2027 | 2028 |
|---|---|---|---|---|
| Revenue |
$923.8M $923.5M – $924.1M
|
$1.1B $1.1B – $1.1B
|
$1.2B $1.1B – $1.2B
|
$1.3B $1.3B – $1.3B
|
| EBITDA |
$393.5M $393.3M – $393.6M
|
$459.0M $454.7M – $463.7M
|
$497.8M $489.3M – $506.4M
|
$534.3M $534.3M – $534.3M
|
| Net Income |
$230.2M $228.9M – $231.5M
|
$253.8M $251.8M – $255.7M
|
$281.5M $274.1M – $289.0M
|
$298.3M $254.0M – $342.6M
|
| EPS | — | — | — | — |
Growth Trends (YoY %)
Last updated: Jun 21, 2026 7:29pm (5d ago)| Metric | 2022 | 2023 | 2024 | 2025 |
|---|---|---|---|---|
| Revenue Growth | +4.9% | +12.3% | +21.7% | +10.2% |
| Gross Profit Growth | -4.1% | +9.9% | +22.7% | +5.4% |
| Operating Income Growth | -19.9% | -13.5% | +21.7% | +12.5% |
| Net Income Growth | +48.3% | -66.6% | +41.3% | +25.7% |
| EBITDA Growth | +32.8% | -43.1% | +52.5% | +7.0% |
Insider Trading (Recent)
Type codes
PPurchase
SSale
AAward / grant
MOption exercise
FIn-kind (tax)
CConversion
GGift
DReturn to issuer
All SEC Form 4 codes
Open market
- P Purchase
- Open-market or private purchase of shares.
- S Sale
- Open-market or private sale of shares.
Compensation (Rule 16b-3)
- A Award / grant
- Grant or award of securities (RSUs, options, etc.) under Rule 16b-3.
- D Return to issuer
- Securities disposed back to the company under Rule 16b-3.
- F In-kind (tax)
- Shares withheld or delivered to pay the option-exercise price or tax — not an open-market sale.
- I Discretionary
- Discretionary transaction under an employee plan — Rule 16b-3(f).
- M Option exercise
- Exercise or conversion of a derivative (option/RSU) into shares — exempt.
Derivatives
- C Conversion
- Conversion of a derivative security into the underlying shares.
- E Short expiration
- Expiration of a short derivative position.
- H Long expiration
- Expiration or cancellation of a long derivative position with value received.
- O OTM exercise
- Exercise of an out-of-the-money derivative.
- X ITM exercise
- Exercise of an in-the-money or at-the-money derivative.
Other exempt
- G Gift
- Bona fide gift of securities.
- L Small acquisition
- Small acquisition under Rule 16a-6.
- W Inheritance
- Acquisition or disposition by will or the laws of descent.
- Z Voting trust
- Deposit into or withdrawal from a voting trust.
Other
- J Other
- Other acquisition or disposition (explained in a Form 4 footnote).
- K Equity swap
- Transaction in an equity swap or similar instrument.
- U Tender / buyout
- Disposition via tender of shares in a change-of-control transaction.
Compensation-plan codes (A, D, F, M) are routine and rarely directional. Open-market P (buy) and S (sale) carry the most signal.
| Date | Insider | Type | Shares | Price | Value |
|---|---|---|---|---|---|
| 2026-06-12 | SMITH BRIAN JOHN | P-Purchase | 16,202.00 | $26.42 | $427,999 |
| 2026-06-03 | Pagan Ivan | F-InKind | 822.00 | $25.11 | $20,640 |
| 2026-05-21 | SMITH BRIAN JOHN | A-Award | 10,344.00 | $24.65 | $254,980 |
| 2026-05-21 | SCHUMACHER ALAN H | A-Award | 6,997.00 | $24.65 | $172,476 |
| 2026-05-21 | Polak Aldo J. | A-Award | 6,997.00 | $24.65 | $172,476 |
| 2026-05-21 | Pagan Ivan | A-Award | 6,997.00 | $24.65 | $172,476 |
| 2026-05-21 | JUNQUERA JORGE A | A-Award | 10,344.00 | $24.65 | $254,980 |
| 2026-05-21 | Gambale Virginia | A-Award | 6,997.00 | $24.65 | $172,476 |
| 2026-05-21 | Botero Olga Margarita | A-Award | 6,997.00 | $24.65 | $172,476 |
| 2026-05-21 | D'ANGELO FRANK G. | A-Award | 9,026.00 | $24.65 | $222,491 |
| 2026-05-21 | BARRETT KELLY HEFNER | A-Award | 6,997.00 | $24.65 | $172,476 |
| 2026-05-11 | Vizcarrondo Miguel | P-Purchase | 21,000.00 | $23.37 | $490,772 |
| 2026-05-08 | D'ANGELO FRANK G. | P-Purchase | 20,000.00 | $23.40 | $468,000 |
| 2026-05-08 | Castrillo-Salgado Joaquin A. | P-Purchase | 5,463.00 | $24.33 | $132,915 |
| 2026-05-08 | Castrillo-Salgado Joaquin A. | P-Purchase | 1,675.00 | $22.95 | $38,441 |
| 2026-05-08 | Castrillo-Salgado Joaquin A. | P-Purchase | 12,862.00 | $22.03 | $283,350 |
| 2026-05-07 | Rodriguez-Gonzalez Luis A | P-Purchase | 17,000.00 | $24.10 | $409,775 |
| 2026-03-05 | Schuessler Morgan M | A-Award | 85,975.00 | $28.70 | $2.5M |
| 2026-03-05 | Castrillo-Salgado Joaquin A. | A-Award | 29,547.00 | $28.70 | $847,999 |
| 2026-03-05 | Vizcarrondo Miguel | A-Award | 18,118.00 | $28.70 | $519,987 |
Dividend History (Last 20)
Last updated: Jun 21, 2026 7:29pm (5d ago)| Date | Dividend | Declaration | Record | Payment |
|---|---|---|---|---|
| 2026-05-11 | $0.05 | 2026-04-30 | 2026-05-11 | 2026-06-05 |
| 2026-03-02 | $0.05 | 2026-02-19 | 2026-03-02 | 2026-03-06 |
| 2025-11-03 | $0.05 | 2025-10-23 | 2025-11-03 | 2025-12-05 |
| 2025-08-04 | $0.05 | 2025-07-24 | 2025-08-04 | 2025-09-05 |
| 2025-05-13 | $0.05 | 2025-05-02 | 2025-05-13 | 2025-06-06 |
| 2025-03-03 | $0.05 | 2025-02-20 | 2025-03-03 | 2025-03-21 |
| 2024-10-28 | $0.05 | 2024-10-17 | 2024-10-28 | 2024-12-06 |
| 2024-07-29 | $0.05 | 2024-07-18 | 2024-07-29 | 2024-09-06 |
| 2024-04-26 | $0.05 | 2024-04-18 | 2024-04-29 | 2024-06-07 |
| 2024-02-26 | $0.05 | 2024-02-15 | 2024-02-27 | 2024-03-15 |
| 2023-10-27 | $0.05 | 2023-10-19 | 2023-10-30 | 2023-12-01 |
| 2023-07-28 | $0.05 | 2023-07-20 | 2023-07-31 | 2023-09-01 |
| 2023-04-28 | $0.05 | 2023-04-20 | 2023-05-01 | 2023-06-02 |
| 2023-02-27 | $0.05 | 2023-02-16 | 2023-02-28 | 2023-03-17 |
| 2022-10-31 | $0.05 | 2022-10-20 | 2022-11-01 | 2022-12-02 |
| 2022-08-05 | $0.05 | 2022-07-28 | 2022-08-08 | 2022-09-02 |
| 2022-04-29 | $0.05 | 2022-04-21 | 2022-05-02 | 2022-06-03 |
| 2022-02-24 | $0.05 | 2022-02-16 | 2022-02-25 | 2022-03-25 |
| 2021-10-29 | $0.05 | 2021-10-21 | 2021-11-01 | 2021-12-03 |
| 2021-07-30 | $0.05 | 2021-07-22 | 2021-08-02 | 2021-09-03 |
Narrative Economics
The story the market is telling about this stock — the intangible X-factor
(founder mythology, cult dynamics, TAM-of-imagination) that moves price beyond
what cash flows alone explain. After Shiller, Narrative Economics.
No narrative profile yet for EVTC — it's generated by the pipeline (
market-narrative step).
No community reviews yet for EVTC.
Be the first — hit How to Contribute, have any AI review this page, and paste its take back here.
My Notes
personal — only you see this
Sign in to save personal notes and rate your interest in this stock.
Data via Financial Modeling Prep · Cached for performance · fmp
v1.1.352 · d1100787 · 2026-06-26 11:39:30