Evertec Financials

EVTC Stock  USD 29.79  0.33  1.10%   
Based on the measurements of operating efficiency obtained from Evertec's historical financial statements, Evertec may be sliding down financialy. It has an above-average probability of going through some form of financial hardship next quarter. At present, Evertec's Retained Earnings are projected to increase significantly based on the last few years of reporting. The current year's Cash is expected to grow to about 330.4 M, whereas Total Assets are forecasted to decline to about 1.2 B.
 
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Evertec Balance Sheet Chart

At present, Evertec's Retained Earnings are projected to increase significantly based on the last few years of reporting. The current year's Cash is expected to grow to about 330.4 M, whereas Total Assets are forecasted to decline to about 1.2 B.
Key indicators impacting Evertec's financial strength include:
Current ValueLast YearChange From Last Year 10 Year Trend
Debt Equity Ratio3.82.35
Way Up
Slightly volatile
Operating Income132.6 M190.5 M
Way Down
Slightly volatile
Current Ratio1.361.7
Significantly Down
Pretty Stable
Investors should never underestimate Evertec's ability to pay suppliers on time, ensure interest payments are not accumulating, and correctly time where and how to reinvest extra cash. Individual investors need to monitor Evertec's cash flow, debt, and profitability to make informed and accurate decisions about investing in Evertec.

Net Income

97.1 Million

  
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Understanding current and past Evertec Financials, including the trends in assets, liabilities, equity and income are directly related to making proper and timely investing decisions. All of Evertec's financial statements are interrelated, with each one affecting the others. For example, an increase in Evertec's assets may result in an increase in income on the income statement.
Please note, the presentation of Evertec's financial position, as portrayed in its financial statements, is often influenced by management's estimates, judgments, and sometimes even manipulations. In the best case, Evertec's management is honest, while the outside auditors are strict and uncompromising. Please utilize our Beneish M Score to check the likelihood of Evertec's management manipulating its earnings.

Evertec Stock Summary

Evertec competes with Teradata Corp, Liveramp Holdings, NetScout Systems, Pagaya Technologies, and Payoneer Global. EVERTEC, Inc. engages in transaction processing business in Latin America and the Caribbean. EVERTEC, Inc. was founded in 1988 and is headquartered in San Juan, Puerto Rico. Evertec operates under SoftwareInfrastructure classification in the United States and is traded on New York Stock Exchange. It employs 2500 people.
Specialization
Financials, Software - Infrastructure
InstrumentUSA Stock View All
ExchangeNew York Stock Exchange
ISINPR30040P1032
Business AddressCupey Center Building,
SectorFinancial Services
IndustryFinancials
BenchmarkDow Jones Industrial
Websitewww.evertecinc.com
Phone787 759 9999
CurrencyUSD - US Dollar

Evertec Key Financial Ratios

Evertec Key Balance Sheet Accounts

202120222023202420252026 (projected)
Total Assets1.1B1.1B2.1B1.9B2.1B1.2B
Other Current Liab74.5M107.4M176.8M181.9M209.1M219.6M
Other Liab45.6M73.7M47.0M48.3M55.5M37.4M
Net Debt220.2M261.7M690.8M692.9M623.6M427.1M
Retained Earnings506.1M487.3M538.9M599.6M689.5M724.0M
Accounts Payable28.5M29.7M66.5M58.7M67.5M39.2M
Cash266.4M185.3M295.6M273.6M314.7M330.4M
Other Assets4.3M52.4M16.9M15.5M17.8M16.6M
Long Term Debt458.2M389.5M946.8M931.6M1.1B675.1M
Net Receivables117.4M117.2M140.5M145.5M167.3M103.5M
Good Will393.3M423.4M791.7M726.9M835.9M483.3M
Inventory43.7M38.0M18.4M30.8M35.4M27.7M
Other Current Assets14.7M86.7M125.3M109.9M126.4M132.7M
Total Liab674.5M657.0M1.4B1.3B1.5B918.7M
Total Current Assets436.4M389.1M561.4M529.1M608.4M638.8M
Short Term Debt25.3M46.7M30.6M30.1M27.1M27.3M
Intangible Assets213.3M200.3M518.1M430.9M387.8M258.8M
Common Stock719K648K654K636K572.4K573.5K
Net Tangible Assets(374.2M)(279.8M)(140.4M)(152.2M)(175.0M)(183.8M)

Evertec Key Income Statement Accounts

202120222023202420252026 (projected)
Interest Expense22.8M24.8M32.3M74.7M67.3M70.6M
Total Revenue589.8M618.4M694.7M845.5M972.3M530.4M
Gross Profit339.6M325.8M358.0M439.1M504.9M286.8M
Operating Income196.5M157.4M136.2M165.7M190.5M132.6M
Ebit204.5M289.6M117.7M194.4M223.5M138.8M
Ebitda279.6M374.4M211.3M322.2M370.5M221.8M
Cost Of Revenue250.2M292.6M336.8M406.4M467.4M243.6M
Income Before Tax181.7M267.9M85.4M119.6M137.6M100.6M
Net Income161.1M239.0M79.7M112.6M129.5M97.1M
Income Tax Expense20.6M29.0M5.5M4.8M5.6M3.2M
Minority Interest13K(140K)174K(2.2M)(1.9M)(1.8M)
Tax Provision20.6M29.0M10.6M4.8M5.6M5.3M
Interest Income1.9M3.1M6.0M13.3M12.0M12.6M
Net Interest Income(20.9M)(21.7M)(17.5M)(61.4M)(55.3M)(52.5M)

Evertec Key Cash Accounts

202120222023202420252026 (projected)
Change In Cash64.8M(70.3M)128.1M(29.1M)(33.4M)(31.8M)
Free Cash Flow161.5M140.8M126.2M171.6M197.4M126.1M
Depreciation75.1M84.7M93.6M127.8M147.0M83.0M
Other Non Cash Items10.0M(115.5M)19.6M15.6M14.0M14.7M
Capital Expenditures66.9M82.5M85.0M88.4M101.7M54.9M
Net Income161.1M238.9M79.9M114.8M132.0M97.4M
End Period Cash Flow285.9M215.7M343.7M314.6M361.8M379.9M
Change To Netincome76.2M94.2M67.3M(15.5M)(14.0M)(13.3M)
Dividends Paid14.4M13.8M13.0M12.9M11.6M11.0M
Net Borrowings(33.7M)(40.7M)469.5M(26.3M)(30.3M)(28.8M)
Investments(3.0M)(6.5M)(132.8M)(118.3M)(106.5M)(101.1M)

Evertec Financial Ratios Relationships

Comparative valuation techniques use various fundamental indicators to help in determining Evertec's current stock value. Our valuation model uses many indicators to compare Evertec value to that of its competitors to determine the firm's financial worth. You can analyze the relationship between different fundamental ratios across Evertec competition to find correlations between indicators driving Evertec's intrinsic value. More Info.
Evertec is one of the top stocks in return on equity category among its peers. It also is one of the top stocks in return on asset category among its peers reporting about  0.25  of Return On Asset per Return On Equity. The ratio of Return On Equity to Return On Asset for Evertec is roughly  4.00 . At present, Evertec's Return On Equity is projected to increase slightly based on the last few years of reporting. The reason why the comparable model can be used in almost all circumstances is due to the vast number of multiples that can be utilized, such as the price-to-earnings (P/E), price-to-book (P/B), price-to-sales (P/S), price-to-cash flow (P/CF), and many others. The P/E ratio is the most commonly used of these ratios because it focuses on the Evertec's earnings, one of the primary drivers of an investment's value.
Most indicators from Evertec's fundamental ratios are interrelated and interconnected. However, analyzing fundamental ratios indicators one by one will only give a small insight into Evertec current financial condition. On the other hand, looking into the entire matrix of fundamental ratios indicators, and analyzing their relationships over time can provide a more complete picture of the company financial strength now and in the future. Check out Investing Opportunities to better understand how to build diversified portfolios, which includes a position in Evertec. Also, note that the market value of any company could be closely tied with the direction of predictive economic indicators such as various price indices.
For information on how to trade Evertec Stock refer to our How to Trade Evertec Stock guide.At present, Evertec's Enterprise Value Over EBITDA is projected to drop slightly based on the last few years of reporting. The current year's Enterprise Value Multiple is expected to grow to 15.53, whereas Tax Provision is forecasted to decline to about 5.3 M.
 2023 2024 2025 2026 (projected)
Interest Expense32.3M74.7M67.3M70.6M
Depreciation And Amortization93.6M127.8M147.0M83.0M

Evertec fundamental ratios Correlations

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0.80.650.720.30.090.320.340.710.430.640.440.880.65-0.071.00.440.570.86-0.5-0.58-0.460.970.030.65-0.49
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0.810.30.710.70.360.820.59-0.330.720.580.810.680.520.310.330.810.780.72-0.7-0.66-0.650.470.570.650.17
0.350.090.420.610.360.670.79-0.360.650.690.570.150.05-0.020.070.570.630.38-0.46-0.530.110.140.690.4-0.33
0.730.320.710.80.820.670.87-0.340.850.690.860.540.430.240.310.860.890.68-0.7-0.72-0.430.430.720.610.0
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0.960.880.780.80.680.150.540.420.430.560.730.630.720.080.90.630.720.96-0.67-0.7-0.610.960.240.77-0.21
0.70.650.870.590.520.050.430.270.170.680.460.690.720.140.670.690.590.69-0.84-0.83-0.710.680.130.82-0.14
0.13-0.070.05-0.040.31-0.020.240.15-0.270.1-0.030.240.080.14-0.060.240.050.02-0.06-0.03-0.10.010.290.120.05
0.811.00.650.70.330.070.310.320.710.420.640.440.90.67-0.060.440.560.86-0.5-0.57-0.460.980.050.64-0.48
0.780.440.910.80.810.570.860.75-0.280.970.691.00.630.690.240.440.860.74-0.85-0.9-0.650.530.620.81-0.24
0.860.570.820.930.780.630.890.78-0.090.880.860.860.720.590.050.560.860.85-0.79-0.83-0.530.650.570.73-0.21
0.990.860.840.930.720.380.680.620.320.710.850.740.960.690.020.860.740.85-0.74-0.79-0.570.920.360.83-0.29
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-0.78-0.58-0.97-0.82-0.66-0.53-0.72-0.610.07-0.92-0.76-0.9-0.7-0.83-0.03-0.57-0.9-0.83-0.790.970.59-0.64-0.43-0.910.23
-0.64-0.46-0.68-0.53-0.650.11-0.43-0.14-0.02-0.58-0.23-0.65-0.61-0.71-0.1-0.46-0.65-0.53-0.570.620.59-0.490.09-0.6-0.06
0.890.970.710.760.470.140.430.40.610.490.720.530.960.680.010.980.530.650.92-0.58-0.64-0.490.170.7-0.41
0.410.030.390.410.570.690.720.78-0.480.580.540.620.240.130.290.050.620.570.36-0.37-0.430.090.170.27-0.19
0.810.650.950.820.650.40.610.550.090.820.710.810.770.820.120.640.810.730.83-0.9-0.91-0.60.70.27-0.19
-0.21-0.49-0.23-0.290.17-0.330.0-0.31-0.38-0.26-0.37-0.24-0.21-0.140.05-0.48-0.24-0.21-0.290.060.23-0.06-0.41-0.19-0.19
Click cells to compare fundamentals

Evertec Account Relationship Matchups

Evertec fundamental ratios Accounts

202120222023202420252026 (projected)
Total Assets1.1B1.1B2.1B1.9B2.1B1.2B
Other Current Liab74.5M107.4M176.8M181.9M209.1M219.6M
Other Liab45.6M73.7M47.0M48.3M55.5M37.4M
Net Debt220.2M261.7M690.8M692.9M623.6M427.1M
Retained Earnings506.1M487.3M538.9M599.6M689.5M724.0M
Accounts Payable28.5M29.7M66.5M58.7M67.5M39.2M
Cash266.4M185.3M295.6M273.6M314.7M330.4M
Other Assets4.3M52.4M16.9M15.5M17.8M16.6M
Long Term Debt458.2M389.5M946.8M931.6M1.1B675.1M
Net Receivables117.4M117.2M140.5M145.5M167.3M103.5M
Good Will393.3M423.4M791.7M726.9M835.9M483.3M
Inventory43.7M38.0M18.4M30.8M35.4M27.7M
Other Current Assets14.7M86.7M125.3M109.9M126.4M132.7M
Total Liab674.5M657.0M1.4B1.3B1.5B918.7M
Total Current Assets436.4M389.1M561.4M529.1M608.4M638.8M
Short Term Debt25.3M46.7M30.6M30.1M27.1M27.3M
Intangible Assets213.3M200.3M518.1M430.9M387.8M258.8M
Common Stock719K648K654K636K572.4K573.5K
Net Tangible Assets(374.2M)(279.8M)(140.4M)(152.2M)(175.0M)(183.8M)
Today, most investors in Evertec Stock are looking for potential investment opportunities by analyzing not only static indicators but also various Evertec's growth ratios. Consistent increases or decreases in fundamental ratios usually indicate a possible pattern that can be successfully translated into profits. However, when comparing two companies, knowing each company's growth growth rates may not be enough to decide which company is a better investment. That's why investors frequently use static breakdown of Evertec growth as a starting point in their analysis.

Price Earnings To Growth Ratio

0.4

At present, Evertec's Price Earnings To Growth Ratio is projected to increase slightly based on the last few years of reporting.

Evertec January 26, 2026 Opportunity Range

Along with financial statement analysis, the daily predictive indicators of Evertec help investors to analyze its daily demand and supply, volume, patterns, and price swings to determine the real value of Evertec. We use our internally-developed statistical techniques to arrive at the intrinsic value of Evertec based on widely used predictive technical indicators. In general, we focus on analyzing Evertec Stock price patterns and their correlations with different microeconomic environment and drivers. We also apply predictive analytics to build Evertec's daily price indicators and compare them against related drivers.

Complementary Tools for Evertec Stock analysis

When running Evertec's price analysis, check to measure Evertec's market volatility, profitability, liquidity, solvency, efficiency, growth potential, financial leverage, and other vital indicators. We have many different tools that can be utilized to determine how healthy Evertec is operating at the current time. Most of Evertec's value examination focuses on studying past and present price action to predict the probability of Evertec's future price movements. You can analyze the entity against its peers and the financial market as a whole to determine factors that move Evertec's price. Additionally, you may evaluate how the addition of Evertec to your portfolios can decrease your overall portfolio volatility.
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