# Evertec Inc. (EVTC) fundamentals

Data as of 2026-09-08. NYSE, United States. Sector: Technology / Software. Price $30.35, market value $1.8 billion.

## Valuation
- **P/E (trailing): 19.7×** (5-yr avg 19.5×, 3-yr avg 22.1×). Evertec Inc. trades at 19.7× trailing earnings, close to its own five-year average of 19.5×. The Technology median in the September 2026 study was 32.1×. Forward P/E is 6.9×, lower than trailing, so analysts expect earnings to grow.
- **PEG: 0.26**. A PEG of 0.26 means the P/E is low relative to expected earnings growth: the market is not paying much for that growth.
- **Price / sales: 1.8×**. Each dollar of revenue is priced at 1.8×.
- **Price / book: 2.8×**. The shares trade at 2.8× book value; book value is a meaningful part of the valuation.
- **EV / EBITDA: 12.8×**. Enterprise value is 12.8× operating earnings before depreciation, the multiple that ignores how the company is financed.
- **Free-cash-flow yield: 11.5%** (5-yr avg 8.6%). Free cash flow equals 11.5% of the market value, above its five-year average of 8.6%, so the shares are cheaper on cash than they have usually been. Above 5% is generally attractive.
- **Earnings yield: 5.1%**. The inverse of the P/E: 5.1% of the price is earned each year.

## Profitability
- **Operating margin: 17.9%**. 17.9% of revenue is left after running the business, a healthy level in most sectors.
- **Net margin: 15.2%**. 15.2% of each dollar of sales reaches the bottom line.
- **Return on equity: 22.8%**. 22.8% on shareholders' equity is excellent if it is not driven by leverage; sustained above 20% usually signals a competitive advantage.
- **Return on invested capital: 10.1%**. Return on all capital, debt included, is 10.1%.
- **Return on assets: 4.3%**. Each dollar of assets produces 4.3% of profit.

## Growth
- **Revenue growth (1 yr): 10.2%** (3-yr 14.6%/yr, 5-yr 12.8%/yr). Revenue grew 10.2% over the last year, against 12.8% a year compounded over five years: growth is slowing.
- **EPS growth (1 yr): 27.2%** (3-yr -13.9%/yr, 5-yr 9.0%/yr). Earnings per share rose 27.2%, faster than revenue, so margins expanded or the share count shrank.
- **Free-cash-flow growth (3 yr): 1.8%/yr**. Free cash flow has compounded at 1.8% a year over three years, keeping pace with earnings: the growth is real cash.

## Financial health
- **Debt to equity: 1.73**. Debt is 1.73 times equity, a leveraged balance sheet that needs steady cash flow to service.
- **Net debt / EBITDA: 3.8×**. It would take 3.8 years of operating earnings to repay net borrowings, above the 3× level most lenders treat as comfortable.
- **Altman Z-score: 1.79**. A Z-score of 1.79 is in the distress zone, a signal to examine the balance sheet closely.
- **Piotroski F-score: 6/9**. 6 of 9 checks pass: mixed.

## Dividends
- **Dividend yield: 0.66%** ($0.20 per share, trailing). Evertec Inc. yields 0.66%, a modest yield more typical of a growth-oriented payer.
- **Payout ratio: 9%** (6% of free cash flow). 9% of earnings goes out as dividends, leaving room to keep raising it.
- **Consecutive years of increases: 7**. 7 straight years of increases.
- **Dividend growth (5 yr): 0.0%/yr** (1-yr 0.0%). The dividend has not grown over five years.

## Price and momentum
- **Total return (1 yr): -11.9%** (YTD 4.7%, 3-mo 35.9%). The shares are down 11.9% over twelve months including dividends.
- **From 52-week high: -12.7%** (39.2% above the low). Trading 13% below its 52-week high.
- **200-day average: above**. The price sits above its 200-day moving average, the usual definition of an uptrend.
- **RSI (14-day): 53**. An RSI of 53 is neutral.
- **Beta (1 yr): 0.71** (volatility 39%). Beta of 0.71 against the S&P 500: the shares move roughly with the market.

Live score and charts: https://foliofundamentals.com/analyzer?s=EVTC · Page: https://foliofundamentals.com/stocks/evtc

Not investment advice.