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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
www.evertecinc.com
Market Cap
$1.86B
P/E (TTM)
12.7
25.1
Dividend Yield
0.7%
52W High
$38.56
52W Low
$24.95
52W Range
30%
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

Q4 2025 Data

Revenue

$244.83M+0.00%
4-Quarter Trend

EPS

$0.56+0.00%
4-Quarter Trend

FCF

$71.06M+0.00%
4-Quarter Trend

2025 Annual Earnings Highlights

Key Highlights

Revenue Growth 10% Total revenues reached $931.8M, increasing 10% driven by organic growth and recent acquisitions completed in 2025.
Operating Income Rises 13% Income from operations grew to $186.4M, a 13% increase compared to prior year, reflecting strong segment performance.
Completed Tecnobank Acquisition Acquired 75% of Tecnobank in Brazil to enhance fintech offerings, leveraging existing client base for accelerated growth.
Strong Cash Position Ended 2025 with $306.0M in cash and equivalents; operating cash flow provided $227.0M for the year.

Risk Factors

Customer Revenue Concentration Approximately 29% of 2025 revenue derived from Popular; termination or reduction severely impacts profitability and cash flow.
Cybersecurity and IT Reliance Heavy reliance on complex IT systems exposes operations to constant, evolving cybersecurity threats and potential disruptions.
Puerto Rico Tax Exemption Preferential tax grant expires December 31, 2026; failure to meet commitments risks penalties or full revocation.
Increased Leverage and Debt Total debt reached $1.10B; variable rate borrowings expose results to adverse interest rate fluctuations.

Outlook

Focus on Cross-Selling Growth Strategy centers on selling additional products to existing customers, deepening relationships across all technology solutions.
Latin America Expansion Plans Seek organic growth and M&A opportunities in key Latin American markets like Brazil, Colombia, Mexico, and Chile.
Investing in New Products Continuous investment in core products and value-added services, including API enablement, AI, and predictive models.
Increased Share Repurchase Authority Board approved increasing repurchase authorization by up to $150M through December 31, 2026.

Peer Comparison

Revenue (TTM)

PLUS stock ticker logoPLUS
$2.36B
+12.6%
TDC stock ticker logoTDC
$1.66B
-5.0%
PGY stock ticker logoPGY
$1.26B
+25.6%

Gross Margin (Latest Quarter)

DV stock ticker logoDV
82.5%
-0.4pp
NTCT stock ticker logoNTCT
81.6%
+2.1pp
PRGS stock ticker logoPRGS
81.6%
-1.4pp

Key Metrics

Symbol
Market Cap
P/E (TTM)
ROE (TTM)
Debt to Assets
TDC$2.49B19.566.4%31.5%
CSGS$2.28B39.319.5%38.0%
EVCM$2.18B-3266.72.4%0.4%

Long-Term Trends

Last 4 Quarters
Revenue
Net Income
Operating Cash Flow
4Q Revenue CAGR
2.3%
Moderate Growth
4Q Net Income CAGR
2.8%
Profitability Slowly Improving
Cash Flow Stability
100%
Strong Cash Flow

Deep Research

Next earnings:Apr 23, 2026
|
EPS:$0.92
|
Revenue:$249.14M
Financials
Earnings Calls
Reports
News
Income Statement
Balance Sheet
Cash Flow Statement
Ratios
% Chg.
Income Statement
LTM
No Data