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Verdict
Quantitative factor alignment verified for current market regime.
Quant Score
Rank
#1480
Positioning
Market Dominance
Services
Business Services
$2.2B
Morgan M. Schuessler
EVERTEC, Inc. engages in transaction processing business in Latin America and the Caribbean. It provides merchant acquiring services that 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 sells and distributes its services primarily through direct sales force.
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Dates updated upon official exchange announcement.
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X-AXIS: EV/EBITDA (LOWER = CHEAPER) | Y-AXIS: ROE (HIGHER = ELITE) | RED CIRCLE = EVTC ANALYSIS TARGET
| Stock | Rating | Score▼ | Quality | Value | Momentum | P/E | EV/EBITDA | ROE | ROA | Gross Mgn | Op Mgn | Net Mgn | Rev Growth | Div Yield | D/E | Mkt Cap | AUDIT |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
$YALA Yalla Group Ltd | 75 | 89 | 99 | 80 | - | - | - | - | - | - | - | - | - | - | $0 | VS | |
$GRVY GRAVITY Co., Ltd. | 75 | 82 | 96 | 71 | - | - | - | - | - | - | - | - | - | - | $0 | VS | |
$ISSC INNOVATIVE SOLUTIONS & SUPPORT INC | 73 | 81 | 88 | 94 | 25.0x | 14.1x | 17.1% | 10.3% | 35.5% | 14.6% | 10.1% | 105.2% | 0.0% | 41.0x | $244M | VS | |
$AER AerCap Holdings N.V. | 72 | 60 | 87 | 84 | - | - | - | - | - | - | - | - | - | - | $0 | VS | |
$HCSG HEALTHCARE SERVICES GROUP INC | 72 | 74 | 88 | 88 | 7.1x | 6.1x | 28.9% | 20.8% | 20.8% | 9.9% | 9.3% | 8.5% | 0.0% | 1.0x | $1.2B | VS | |
$LQDT LIQUIDITY SERVICES INC | 72 | 90 | 88 | 68 | 24.9x | 14.3x | 14.1% | 8.3% | 45.7% | 8.5% | 6.2% | 28.1% | 0.0% | 0.0x | $736M | VS | |
$TRTNpA Triton International Ltd | 71 | 70 | 89 | 70 | - | 1.7x | 0.0% | - | 97.4% | 58.0% | 37.4% | - | 8.8% | 264.0x | $2.5B | VS | |
$EDU New Oriental Education & Technology Group Inc. | 71 | 83 | 52 | 77 | - | - | - | - | - | - | - | - | - | - | $0 | VS | |
$NTES NetEase, Inc. | 71 | 88 | 93 | 68 | - | - | - | - | - | - | - | - | - | - | $0 | VS | |
$UTI UNIVERSAL TECHNICAL INSTITUTE INC | 70 | 86 | 86 | 72 | 43.2x | 16.0x | 15.3% | 5.8% | 100.0% | 6.9% | 5.2% | 15.1% | 0.0% | 24.0x | $1.8B | VS | |
$EVTC EVERTEC, Inc. | 53 | 52 | 64 | 53 | 13.3x | 5.8x | 19.9% | 6.2% | 100.0% | 20.6% | 14.7% | 7.8% | 0.6% | 216.0x | $2.2B | ||
| SECTOR BENCH | - | - | - | - | - | 23.7x | 11.7x | 5.7% | 2.4% | 64.6% | 4.5% | 2.8% | 8.6% | 0.0% | 0.3x | - | REF |
EVERTEC, Inc. (EVTC) receives a "Hold" rating with a composite score of 53.4/100. It ranks #1480 out of 7,333 stocks in our coverage universe and carries a 3-star rating. Ratings are driven by a 6-factor quantitative model measuring quality, value, momentum, investment, stability, and short interest.
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In-line with peers — no strong momentum signal
Trading at a discount to fundamentals — favorable entry valuation
Average quality profile
Low volatility — smoother ride and historically better risk-adjusted returns
Moderate investment profile
Mid-range overall rating
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Relative valuation derived from Services sector benchmarks. Model weights: EV/EBITDA (40%), P/B (35%), P/S (25%). Re-calculated daily.
Projection based on user-defined inputs. Re-calculated daily against current market data.
Reverse DCF Framework — Mauboussin Methodology
Institutional-grade Reverse DCF analysis. This model identifies the growth hurdles embedded in current market prices. When implied growth is significantly lower than historical or projected rates, a margin of safety may exist. Re-audited daily.
No analyst ratings for EVTC.
View All Ratings| Factor | Global | Sector | Tilt |
|---|---|---|---|
| PROFITABILITY | 52 | 62 | -10DRAG |
| MOMENTUM | 53 | 54 | -1NEUTRAL |
| VALUATION | 64 | 72 | -8DRAG |
| INVESTMENT | 38 | 63 | -25DRAG |
| STABILITY | 83 | 90 | -7DRAG |
| SHORT INT | 47 | 45 | +2NEUTRAL |
Global = full universe. Sector = relative to industry peers. Positive tilt indicates idiosyncratic strength.
ROIC 6.2% vs WACC 6.6% (spread -0.4%)
GM 100% vs sector 65%, OM 21% vs sector 5%
Capital turnover 0.38x
Rev growth 8%, 10yr history
Interest coverage 2.3x, Net debt/EBITDA 9.2x
Composite assessment of profitability, capital efficiency, and financial strength. Top-tier entities demonstrate sustainable cash flow generation and elite competitive moats.
Profit generated per dollar of shareholder equity
Efficiency of asset utilization
Pricing power and cost efficiency
Core business profitability
Bottom-line profitability
The Quality factor evaluates the persistence and magnitude of realized cash flows. Companies with scores >70 exhibit superior pricing power and structural financial resilience through diverse economic regimes.
Our uncertainty rating tracks the predictability of future cash flows and potential for permanent capital loss. Moderate visibility with standard industry cyclicality.
We rate EVERTEC, Inc. (EVTC) as a Hold with a composite score of 53.4/100 at a current price of $25.20. The stock presents a mixed quantitative picture — neither compelling enough to warrant new accumulation nor weak enough to justify selling.
EVERTEC, Inc. holds a top-quartile position (#0 of 50) within the Services sector, based on our composite quantitative scoring across quality, value, momentum, and stability factors. The composite score of 53.4/100 places it at rank #1480 in our full universe.
Narrow
Medium
Poor
Undervalued
Gross margins of 100% signal strong pricing power.
Returns on equity of 19.9% exceed cost of capital.
Stable competitive position in a defensive sector.
Leverage of 216% D/E amplifies downside risk.
Vulnerability to macroeconomic shocks and interest rate volatility.
EVERTEC, Inc. represents a hold based on multi-factor quantitative performance.
Our model assigns EVERTEC, Inc. a Hold rating, with a composite score of 53.4/100 and 3 out of 5 stars. Ranked #1480 of 7,333 stocks, EVTC presents a mixed quantitative picture — neither compelling enough to initiate new positions nor weak enough to warrant selling. Investors already holding may consider maintaining their position while monitoring for changes in the factor profile.
With a quality score of 52/100, EVTC shows adequate but unremarkable business quality. The company reports a return on equity of 19.9% (sector avg: 5.7%), gross margins of 100.0% (sector avg: 64.6%), net margins of 14.7% (sector avg: 2.8%). This suggests the company generates acceptable returns but may lack the competitive positioning or operational efficiency to stand out from peers.
EVTC's value score of 64/100 indicates the stock is fairly valued based on its current fundamentals. Key valuation metrics include a P/E ratio of 13.28x, an EV/EBITDA of 5.80x, a P/B ratio of 2.64x. At this level, neither a clear bargain nor overpriced, the stock's attractiveness depends more on forward growth expectations and qualitative factors.
EVERTEC, Inc.'s investment score of 38/100 suggests limited reinvestment activity. Key growth metrics include revenue growth of 7.8% vs. a sector average of 8.6% and a return on assets of 6.2% (sector: 2.4%). While this can be positive for mature, cash-generative businesses returning capital to shareholders, it may also signal a lack of growth opportunities or management conservatism.
EVTC demonstrates moderate momentum with a score of 53/100, suggesting a neutral price trend without strong directional conviction. Revenue growth stands at 7.8% year-over-year, while a beta of 0.73 reflects its sensitivity to broader market moves. Moderate momentum may indicate the stock is consolidating or transitioning between trends, warranting close monitoring of upcoming catalysts.
EVTC shows good financial stability with a score of 83/100. Key stability metrics include a beta of 0.73 and a debt-to-equity ratio of 216.00x (sector avg: 0.3x). This suggests manageable leverage and moderate price volatility, making it appropriate for investors seeking a balance between growth potential and capital preservation.
The short interest score of 47/100 for EVTC suggests somewhat elevated bearish positioning by institutional traders. Specific risk factors include elevated leverage (D/E: 216.00x). With a $2.2B market cap (mid-cap), EVERTEC, Inc. may experience above-average volatility. Investors should consider whether the short thesis has merit or if it creates a potential short-squeeze opportunity.
EVTC offers a modest dividend yield of 0.6%. While the income contribution is relatively small, even a small dividend signals management's commitment to shareholder returns and can serve as a signal of financial discipline.
EVERTEC, Inc. is a mid-cap company in the Services sector, ranked #0 of 50 in its sector (100th percentile) and #1480 of 7,333 overall (80th percentile). Key comparisons include ROE of 19.9% exceeding the 5.7% sector median and operating margins of 20.6% above the 4.5% sector average. This top-quartile standing reflects exceptional competitive strength relative to Services peers.
While EVTC currently exhibits a HOLD profile, superior opportunities exist within the SERVICES sector. Our model identifies several "Strong Buy" candidates with higher quality scores and more attractive valuations among direct industry competitors.
View Top Services Alpha →Quant Factor Profile
Key factor gap
Stability (83) vs Investment (38) — closing this gap could shift the rating.
EV/EBITDA 51% BELOW SECTOR MEDIAN (FAVORABLE)
ROE 247% ABOVE SECTOR MEDIAN (FAVORABLE)
Gross Margin 55% ABOVE SECTOR MEDIAN (FAVORABLE)
Above 50MA
37.18%
Net New Highs
+51081
Several stocks including Sixth Street Specialty Lending, SoFi, Corpay, EVERTEC, and Oaktree Specialty Lending saw jumps in their share prices during an afternoon trading session. This movement is attributed to investors rotating capital from high-growth tech stocks into sectors with more defensible earnings multiples, such as banks and asset managers. The positive sentiment was further supported by a Goldman Sachs forecast predicting 2.6% U.S. economic growth in 2026.
EVERTEC (NYSE:EVTC) is set to acquire Dimensa, a Brazilian B2B technology provider, expanding its presence in the Brazilian market and enhancing its fintech offerings. The deal is expected to change EVERTEC's revenue mix and competitive standing in Latin America, with the stock currently valued as undervalued by Simply Wall St. Investors will be watching the integration, potential synergies, and the impact on earnings per share, while also noting the company's high debt level as a key risk.
Evertec plans to acquire Dimensa S.A., a Brazilian B2B technology provider to financial institutions, for R$950 million (about $181 million). This acquisition will significantly expand Evertec's presence in the Brazilian fintech market, broadening its customer base to over 15,000 and enhancing its product portfolio in insurance, funds, and risk management technology. This marks Evertec's fourth acquisition in Brazil, strengthening its strategy to achieve market leadership in the country's financial technology sector.
Evertec, Inc. announced its definitive agreement to acquire Dimensa, S.A., a Brazilian B2B technology provider, for approximately $181 million. This strategic expansion will grow Evertec's customer base to over 15,000 clients in Brazil and enhance its product offerings in the financial sector. The deal, Evertec's fourth acquisition in Brazil, is expected to close in the second quarter of 2026, pending regulatory approval.
Evertec Inc. (EVTC) plans to acquire Dimensa, S.A., a Brazilian tech firm specializing in B2B services for financial institutions, for approximately $181 million (950 million Brazilian reais). The acquisition, expected to close in Q2 2026 pending regulatory approvals, aims to bolster Evertec's B2B offerings in Brazil and will be funded using existing cash. Despite strong financial performance, including consistent revenue growth and robust margins, Evertec shows moderate financial stress and significant insider selling, yet its valuation metrics suggest the stock is trading at attractive levels.