Evertec stock analysis
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Evertec (EVTC) Stock Price & Analysis
EVTC Stock Chart & Stats
- Day’s Range
- $31.87 - $32.98
- 52-Week Range
- $21.81 - $35.29
- Previous Close
- $32.56
- Volume
- N/A
- Average Volume (3M)
- 468.26K
- Market Cap
- $1.93B
- Enterprise Value
- $2.71B
- Total Cash (Recent Filing)
- $284.10M
- Total Debt (Recent Filing)
- $1.31B
- Price to Earnings (P/E)
- 20.9
- Beta
- 0.55
- Next Earnings
- Mar 03, 2027 (Est.)
- EPS Estimate
- 1.04
- Last Dividend Ex-Date
- Nov 09, 2026
- Dividend Yield
- 0.62%
Bulls Say, Bears Say
Bulls Say
Regional Growth
Raised guidance and especially strong Latin American growth indicate expanding payment volumes, customer relationships, and regional reach. This diversification can support durable revenue growth by reducing reliance on Puerto Rico while increasing exposure to underpenetrated digital-payment markets.
Cash Generation
Strong absolute operating and free cash flow gives Evertec internal funding capacity for technology investment, acquisitions, debt service, and shareholder returns. Although cash conversion has weakened, recurring transaction activity and positive free cash flow remain important business-model strengths.
Liquidity Extension
The refinancing extends maturities, lowers borrowing costs, and increases committed liquidity, improving financial flexibility over the next several years. These changes should reduce near-term refinancing pressure and provide greater capacity to fund permitted acquisitions or operating needs.
Bears Say
Elevated Leverage
Materially higher debt and elevated debt relative to equity reduce balance-sheet flexibility and increase sensitivity to interest costs or weaker operating performance. Leverage may constrain capital allocation, particularly while Evertec continues integrating acquisitions and funding regional expansion.
Margin And Earnings Pressure
The decline in net and EBITDA margins shows that revenue growth is not translating fully into earnings growth. Mix changes toward Latin America, higher interest and depreciation costs, and other below-EBITDA expenses could keep profitability and earnings conversion under pressure.
Business Solutions Weakness
A sustained decline in Business Solutions weakens an important service line and offsets growth in payments. Lower revenue, higher reserves, technology costs, and delayed new wins may limit segment profitability and make consolidated growth more dependent on faster-growing but lower-margin areas.
Evertec News
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Evertec Stock Smart Score
Company Description
Evertec
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.
- Sector
- Technology
- Industry
- Specialty Business Services
- CEO
- Morgan Schuessler Jr.
- Employees
- 5,327
- Website
- www.evertecinc.com
- Address
- Cupey Center Building, San Juan, PR, 00926, US
Evertec (EVTC) Earnings & Revenues
EVTC Company Deck
EVTC Earnings Call
Earnings Call SentimentPositive
The call was strongly positive. EVERTEC reported substantial revenue, EBITDA and EPS growth, particularly in Latin America, raised its full-year 2026 revenue and EPS outlook, generated strong operating cash flow, and highlighted continued strategic diversification, AI investment and regional expansion. The main challenges were lower consolidated margins, declines in Business Solutions, higher interest and other below-EBITDA costs, increased net debt following the Dimensa acquisition, nonrecurring Puerto Rico benefits, and several expected 2027 growth and pricing headwinds. Highlights significantly outweighed the lowlights.
View all EVTC earnings summariesEVTC Stock 12 Month Forecast
Average Price Target
Technical Analysis
Overall Consensus
| Indicator | Bullish | Neutral | Bearish |
|---|---|---|---|
| Overall Consensus | 9 | 6 | 7 |
| Technical Analysis | 1 | 6 | 3 |
| Moving Averages | 8 | 0 | 4 |
