8-K Announcements
6Material company update
May 6, 2026·SEC
Material company update
Apr 30, 2026·SEC
Material company update
Apr 30, 2026·SEC
EVERTEC, Inc.(EVTC)Earnings, Financials & Key Ratios
EVTC•NYSE
$28.60
13.0× P/E·Price updated Jul 7, 2026
AboutEVERTEC, 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.Show more
- Revenue$932M+10.2%
- EBITDA$309M+5.1%
- Net Income$142M+25.7%
- EPS (Diluted)2.20+27.2%
- Gross Margin49.65%-4.4%
- EBITDA Margin33.11%-4.6%
- Operating Margin20.01%+2.1%
- Net Margin15.2%+14.1%
- ROE22.96%+17.7%
EVTC Price & Volume
EVERTEC, Inc. (EVTC) stock price & volume — 10-year historical chart
Loading chart...
Margin Contraction Challenges Evertec's Inorganic Growth Strategy
Investment Thesis • Updated 2026Q1
VerdictNeutral
Growth:Decelerating
Profitability:Strained
Financial:Strained
Cash Flow:Mixed
Primary Risk:Integration and geographic concentration
Key Thesis Takeaways
- Evertec faces a critical inflection point as revenue growth decelerates to 8.4% in 2026Q1, down from 28.5% in 2024Q1, while aggressive acquisition-led expansion strains the balance sheet.
- The company's reliance on inorganic growth has pushed goodwill to $918.2 million, representing 40% of total assets, which increases sensitivity to integration risks.
- Investors should monitor whether the firm can restore operating leverage, as recent SG&A expenses of $47.8 million have outpaced the ability to maintain historical gross margins near 50%.
Verdict Logic
while the stock trades at a forward P/E of 6.99, the significant margin compression to 37.3% and high debt-to-equity ratio of 1.48 warrant a cautious wait-and-see approach.
EVTC Growth Metrics
EVERTEC, Inc. (EVTC) revenue, earnings & EPS growth — 3, 5 & 10-year CAGR
Revenue CAGR
10 Years9.59%
5 Years12.79%
3 Years14.64%
TTM9.44%
Profit CAGR
10 Years6.62%
5 Years6.28%
3 Years-16.01%
TTM2.55%
EPS CAGR
10 Years8.53%
5 Years9%
3 Years-13.93%
TTM4.02%
Return on Capital
10 Years14.24%
5 Years13.52%
3 Years10.2%
Last Year10.54%
EVTC Recent Earnings
EVERTEC, Inc. (EVTC) EPS & revenue vs analyst estimates — last 4 quarters
●Beat EPS 10/12 qtrs (83%)●Beat Revenue 9/12 qtrs (75%)
Q2 2026Latest
May 6, 2026Metric
Actual
Est
EPS
$0.90-1.1%
$0.91
Rev
$248M-0.4%
$249M
Q1 2026
Feb 26, 2026Metric
Actual
Est
EPS
$0.93+2.2%
$0.91
Rev
$245M+3.4%
$237M
Q4 2025
Nov 6, 2025Metric
Actual
Est
EPS
$0.92+3.4%
$0.89
Rev
$229M-3.5%
$237M
Q3 2025
Jul 30, 2025Metric
Actual
Est
EPS
$0.89+3.5%
$0.86
Rev
$230M+2.2%
$225M
| Quarter | Date | EPS (Act vs Est) | Revenue (Act vs Est) |
|---|---|---|---|
| Q2 2026Latest | May 6, 2026 | $0.90vs $0.91-1.1% | $248Mvs $249M-0.4% |
| Q1 2026 | Feb 26, 2026 | $0.93vs $0.91+2.2% | $245Mvs $237M+3.4% |
| Q4 2025 | Nov 6, 2025 | $0.92vs $0.89+3.4% | $229Mvs $237M-3.5% |
| Q3 2025 | Jul 30, 2025 | $0.89vs $0.86+3.5% | $230Mvs $225M+2.2% |
Based on last 12 quarters of dataView full earnings history →
Peers Comparison
Key metrics vs top competitors for EVERTEC, Inc. (EVTC)
| Company | Price | Market Cap | P/E Ratio | Rev Growth (1Y) | Net Margin | ROE | Div Yield |
|---|---|---|---|---|---|---|---|
| $28.60 | $1.76B | 13.00 | 10.21% | 15.2% | 22.96% | 0.69% | |
| $7.10 | $2.38B | 37.37 | 7.68% | 6.76% | 10.01% | — | |
| $52.60 | $677.02M | 20.15 | -13.1% | 17.39% | 14.44% | — | |
| $42.60 | $22.02B | 56.80 | 5.43% | 22.91% | 18.45% | — | |
| $52.71 | $28.19B | 8.31 | 3.6% | 15.17% | 12.43% | — | |
| $77.59 | $18.37B | 13.31 | -23.75% | -7.99% | -2.96% | — |
Compare EVTC vs Peers
EVERTEC, Inc. (EVTC) vs competitors — business, growth, and fundamentals comparison against the closest industry rivals.
EVTC SEC Filings & Documents
EVERTEC, Inc. (EVTC) SEC filings — annual & quarterly reports (10-K, 10-Q)
Get notified when EVTC posts new earnings or crosses analyst targets
Free. No account needed. Unsubscribe any time.
EVTC Frequently Asked Questions
EVERTEC, Inc. (EVTC) stock FAQ — growth, dividends, profitability & financials explained
Growth & Financials
What is EVERTEC, Inc.'s revenue?
EVERTEC, Inc. (EVTC) reported $950.9M in revenue for fiscal year 2025. This represents a 196% increase from $321.1M in 2011.
How fast is EVERTEC, Inc. growing?
EVERTEC, Inc. (EVTC) grew revenue by 10.2% over the past year. This is steady growth.
Is EVTC profitable?
Yes, EVERTEC, Inc. (EVTC) is profitable, generating $132.6M in net income for fiscal year 2025 (15.2% net margin).
Dividend & Returns
Does EVTC pay dividends?
Yes, EVERTEC, Inc. (EVTC) pays a dividend with a yield of 0.69%. This makes it attractive for income-focused investors.
What is EVTC's return on equity?
EVERTEC, Inc. (EVTC) has a return on equity (ROE) of 23.0%. This is excellent, indicating efficient use of shareholder capital.
What is EVERTEC, Inc.'s free cash flow?
EVERTEC, Inc. (EVTC) generated $165.0M in free cash flow for fiscal year 2025. Positive FCF indicates the company can fund dividends, buybacks, or reinvestment.