EVERTEC, Inc.
NYSE•EVTC
CEO: Mr. Morgan M. Schuessler Jr.
Sector: Technology
Industry: Software - Infrastructure
Listing Date: 2013-04-12
EVERTEC, Inc. engages in transaction processing business and financial technology in Latin America and the Caribbean. The company operates through four segments: Payment Services - Puerto Rico & Caribbean; Latin America Payments and Solutions; Merchant Acquiring; and Business Solutions. 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. In addition, the company 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 services. Further, it provides business process management solutions comprising core bank processing, network hosting and management, IT professional, business process outsourcing, item and cash processing, and fulfillment solutions to merchant, fintech, financial institutions, and corporate and government customers. Additionally, the company owns and operates the ATH network, a personal identification number debit networks. It manages a system of electronic payment networks that process approximately six 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.
Contact Information
Cupey Center Building, Road 176 Kilometer 1.3, San Juan, PR, 00926, United States
787-759-9999
Market Cap
$1.89B
P/E (TTM)
13.0
29.5
Dividend Yield
0.7%
52W High
$38.56
52W Low
$26.72
52W Range
Rank18Top 5.0%
6.3
F-Score
Modified Piotroski Analysis
Based on 10-year fundamentals
Strong • 6.3 / 9 points
Scoring Range (0-9)
8-9: Excellent Value
6-7: Strong Fundamentals
4-5: Average Quality
0-3: Weak Performance
Data Period: 2016-2025
Financial Dashboard
Q3 2025 Data
Revenue
$228.59M+7.93%
4-Quarter Trend
EPS
$0.51+31.54%
4-Quarter Trend
FCF
$45.25M+12.96%
4-Quarter Trend
2025 Q3 Earnings Highlights
Key Highlights
Nine Month Revenue Growth Total revenues reached $687.0M for nine months, marking an 9% increase driven by organic growth and Q4 2024 acquisitions.
Operating Income Rises Income from operations grew 22% to $143.4M for nine months, showing strong segment performance across the business.
Strong Cash Position Cash, cash equivalents, and settlement assets totaled $508.0M as of September 30, 2025, up $193.3M period-over-period.
Diluted EPS Improvement Diluted net income per common share was $1.64 for nine months, significantly increasing from $1.11 reported in the prior year.
Risk Factors
Brazil Pix Incident Costs Cost of revenues increased 16% for nine months due to accruals for potential contractual claims related to the Sinqia Pix incident.
Geographic Concentration Risk Business heavily concentrated in Puerto Rico, facing fiscal challenges and exposure to potential natural disasters impacting operations.
Increased Debt Levels Total debt increased to $1.10B, reflecting a $150.0M draw on the Revolving Facility for recent business activities.
Foreign Exchange Volatility Operating results exposed to volatility from fluctuating exchange rates in Latin American jurisdictions affecting earnings and assets.
Outlook
Continued Digital Payment Focus Expect substantial growth from ongoing migration to digital payments, including contactless, mobile commerce, and e-wallets adoption.
Recent Acquisitions Contributing Growth driven by contributions from Q4 2024 acquisitions (Grandata, Nubity) and the recent October 2025 Tecnobank purchase.
Debt Facility Pricing Optimized Pricing on Term Loan B facility optimized through multiple amendments concluding in August 2025, reducing interest rate exposure.
Regular Dividend Maintained Board declared regular $0.05 quarterly cash dividend, anticipating future declarations subject to business needs and market conditions.
Peer Comparison
Revenue (TTM)
PLUS$2.26B
TDC$1.65B
CSGS$1.22B
Gross Margin (Latest Quarter)
PAYO84.3%
NTCT80.1%
EVCM77.3%
Key Metrics
Symbol | Market Cap | P/E (TTM) | ROE (TTM) | Debt to Assets |
|---|---|---|---|---|
| TDC | $2.81B | 23.8 | 68.8% | 32.5% |
| PLUS | $2.32B | 19.0 | 12.2% | 5.6% |
| EVCM | $2.31B | -3408.4 | -0.1% | 38.8% |
Long-Term Trends
Last 4 Quarters
Revenue
Net Income
Operating Cash Flow
4Q Revenue CAGR
1.8%
Moderate Growth
4Q Net Income CAGR
-6.4%
Declining Profitability
Cash Flow Stability
100%
Strong Cash Flow
Research & Insights
Next earnings:Feb 25, 2026
EPS:$0.91
|Revenue:-
Reports
All Years
Form 10-Q - Q3 2025
Period End: Sep 30, 2025|Filed: Nov 7, 2025|Revenue: $228.59M+7.9%|EPS: $0.51+31.5%MissForm 10-Q - Q2 2025
Period End: Jun 30, 2025|Filed: Jul 31, 2025|Revenue: $229.61M+8.3%|EPS: $0.63+26.0%MissForm 10-Q - Q1 2025
Period End: Mar 31, 2025|Filed: May 8, 2025|Revenue: $228.79M+11.4%|EPS: $0.51+104.0%MissForm 10-K - FY 2024
Period End: Dec 31, 2024|Filed: Mar 3, 2025|Revenue: $845.49M+21.7%|EPS: $1.75+42.3%BeatForm 10-Q - Q3 2024
Period End: Sep 30, 2024|Filed: Nov 8, 2024|Revenue: $211.80M+22.3%|EPS: $0.39+143.8%MissForm 10-Q - Q2 2024
Period End: Jun 30, 2024|Filed: Aug 1, 2024|Revenue: $211.98M+26.9%|EPS: $0.50+16.3%MissForm 10-Q - Q1 2024
Period End: Mar 31, 2024|Filed: May 2, 2024|Revenue: $205.32M+28.5%|EPS: $0.25-45.7%MissForm 10-K - FY 2023
Period End: Dec 31, 2023|Filed: Feb 29, 2024|Revenue: $694.71M+12.3%|EPS: $1.23-64.7%Beat