EVERTEC, Inc. Logo

EVERTEC, Inc.

EVTC

(2.5)
Stock Price

33,61 USD

9.96% ROA

16.1% ROE

30.98x PER

Market Cap.

2.134.972.556,00 USD

200.09% DER

0.6% Yield

10.2% NPM

EVERTEC, Inc. Stock Analysis

EVERTEC, Inc. Fundamental Analysis

Fundamental analysis in stock investing is like studying the foundation of a house before buying it. It involves looking at a company's financial health, like its earnings, assets, and debts, to determine if it's a good investment based on its fundamental strength and potential for growth.

EVERTEC, Inc. Fundamental Stock Analysis
# Analysis Rating
1 ROE

The stock's ROE exceeds expectations (18.95%), revealing strong profitability and efficient use of shareholders' equity, making it an attractive investment opportunity.

2 ROA

This stock has a great ability to make a lot of money from the things it owns, which makes it a really good investment for smart investors.

3 Revenue Growth

Over the past five years, this company's revenue has consistently increased, demonstrating a robust financial performance that makes it an appealing opportunity.

4 Dividend

Investors can take comfort in the company's unwavering commitment to dividends, as it has consistently distributed payouts over the past five years, ensuring a reliable income stream.

5 DER

The stock maintains a fair debt to equity ratio (78%), indicating a reasonable balance between the money it owes and the ownership it possesses.

6 Buffet Intrinsic Value

Based on Warren Buffett's formula, the company's stock appears undervalued (258), presenting an attractive investment chance with its intrinsic value surpassing the current market price.

7 PBV

The stock's high Price-to-Book Value (P/BV) ratio (4.27x) suggests it's overvalued, potentially making it an expensive investment.

8 Net Profit Growth

This company's net profit has remained stagnant over the past five years, indicating a lack of growth and making it a less favorable investment option.

9 Assets Growth

Company's revenue has remained stagnant over the past three years, indicating a lack of growth and making it a less favorable option.

10 Graham Number

The company's Graham number indicates that it is overvalued compared to its stock price, suggesting a potentially unfavorable investment opportunity.

11 Dividend Growth

Potential investors should be aware that the company's dividend growth has shown no upward trend in the past three years, indicating limited potential for increased returns.

EVERTEC, Inc. Technical Analysis

Technical analysis in stock investing is like reading the patterns on a weather map to predict future weather conditions. It involves studying past stock price movements and trading volumes to make predictions about where a stock's price might go next, without necessarily looking at the company's financial health.

EVERTEC, Inc. Technical Stock Analysis
# Analysis Recommendation
1 Awesome Oscillator Hold
2 MACD Buy
3 RSI Hold
4 Stoch RSI Sell

EVERTEC, Inc. Price Chart

Financial Statements

Financial statements are like report cards for companies. They show how much money a company makes (income statement), what it owns and owes (balance sheet), and where it spends its money (cash flow statement), helping stock investors understand if a company is healthy and worth investing in.

Income Statements

An income statement for a company is like a scoreboard for its profits and losses. It shows how much money the company made (revenue) and how much it spent to make that money (expenses), helping stock investors see if a company is making a profit or not.

Revenue in stock investing is the total amount of money a company earns from its sales, and it's a key factor that investors consider to assess a company's financial performance and growth potential.

EVERTEC, Inc. Revenue
Year Revenue Growth
2011 321.122.000
2012 341.684.000 6.02%
2013 357.240.000 4.35%
2014 361.129.000 1.08%
2015 372.884.000 3.15%
2016 389.507.000 4.27%
2017 407.144.000 4.33%
2018 453.869.000 10.29%
2019 487.374.000 6.87%
2020 510.588.000 4.55%
2021 589.796.000 13.43%
2022 618.409.000 4.63%
2023 692.792.000 10.74%
2023 694.709.000 0.28%
2024 847.912.000 18.07%

Research and Development Expenses are the costs a company incurs to create and improve its products or services, which can be important for investors to evaluate a company's innovation and potential for future growth.

EVERTEC, Inc. Research and Development Expenses
Year Research and Development Expenses Growth
2011 0
2012 0 0%
2013 0 0%
2014 0 0%
2015 0 0%
2016 0 0%
2017 0 0%
2018 0 0%
2019 0 0%
2020 0 0%
2021 0 0%
2022 0 0%
2023 0 0%
2023 0 0%
2024 0 0%

General and Administrative Expenses are the costs a company incurs to run its day-to-day operations, such as office rent, salaries, and utilities, which investors consider to understand a company's overall efficiency and management effectiveness.

EVERTEC, Inc. General and Administrative Expenses
Year General and Administrative Expenses Growth
2011 0
2012 0 0%
2013 38.810.000 100%
2014 41.276.000 5.97%
2015 37.278.000 -10.72%
2016 46.986.000 20.66%
2017 56.161.000 16.34%
2018 68.717.000 18.27%
2019 0 0%
2020 0 0%
2021 0 0%
2022 0 0%
2023 0 0%
2023 0 0%
2024 0 0%

EBITDA stands for Earnings Before Interest, Taxes, Depreciation, and Amortization. It is a measure that helps stock investors analyze a company's profitability by looking at its earnings without considering certain expenses. This helps to get a clearer picture of the company's financial performance and its ability to generate cash flow.

EVERTEC, Inc. EBITDA
Year EBITDA Growth
2011 130.364.000
2012 143.531.000 9.17%
2013 156.798.000 8.46%
2014 167.179.000 6.21%
2015 170.697.000 2.06%
2016 167.581.000 -1.86%
2017 154.310.000 -8.6%
2018 192.276.000 19.75%
2019 219.729.000 12.49%
2020 220.445.000 0.32%
2021 279.585.000 21.15%
2022 249.357.000 -12.12%
2023 259.028.000 3.73%
2023 236.033.000 -9.74%
2024 312.260.000 24.41%

Gross profit is the money a company makes from selling its products or services after subtracting the cost of producing or providing them, and it is an important measure for investors to understand a company's profitability.

EVERTEC, Inc. Gross Profit
Year Gross Profit Growth
2011 165.745.000
2012 182.824.000 9.34%
2013 194.937.000 6.21%
2014 204.612.000 4.73%
2015 205.027.000 0.2%
2016 213.698.000 4.06%
2017 206.494.000 -3.49%
2018 256.912.000 19.62%
2019 273.995.000 6.23%
2020 283.718.000 3.43%
2021 339.632.000 16.46%
2022 325.788.000 -4.25%
2023 367.672.000 11.39%
2023 264.332.000 -39.09%
2024 326.188.000 18.96%

Net income in stock investing is like the money a company actually gets to keep as profit after paying all its bills, and it's an important measure to understand how well a company is doing financially.

EVERTEC, Inc. Net Profit
Year Net Profit Growth
2011 24.214.000
2012 77.366.000 68.7%
2013 -24.621.000 414.23%
2014 67.532.000 136.46%
2015 74.602.000 9.48%
2016 75.036.000 0.58%
2017 55.054.000 -36.3%
2018 86.270.000 36.18%
2019 103.469.000 16.62%
2020 104.436.000 0.93%
2021 161.130.000 35.19%
2022 239.009.000 32.58%
2023 40.144.000 -495.38%
2023 79.722.000 49.65%
2024 127.604.000 37.52%

EPS, or earnings per share, is a measure that shows how much profit a company has earned for each outstanding share of its stock, and it is important for stock investors as it helps understand the profitability of a company and compare it with other companies in the market.

EVERTEC, Inc. Earning per Share (EPS)
Year Earning per Share (EPS) Growth
2011 0
2012 1 100%
2013 0 0%
2014 1 0%
2015 1 0%
2016 1 100%
2017 1 0%
2018 1 100%
2019 1 0%
2020 1 0%
2021 2 50%
2022 3 33.33%
2023 1 0%
2023 1 100%
2024 2 50%

Cashflow Statements

Cashflow statements show the movement of money in and out of a company, helping stock investors understand how much money a company makes and spends. By examining cashflow statements, investors can assess if a company is generating enough cash to pay its bills, invest in growth, and provide returns to stockholders.

Free cash flow is the leftover cash that a company generates after covering its operating expenses and capital expenditures, which is important for stock investors as it shows how much money a company has available to invest in growth, pay dividends, or reduce debt.

EVERTEC, Inc. Free Cashflow
Year Free Cashflow Growth
2011 45.942.000
2012 55.155.000 16.7%
2013 34.400.000 -60.33%
2014 114.004.000 69.83%
2015 115.437.000 1.24%
2016 125.785.000 8.23%
2017 112.322.000 -11.99%
2018 131.415.000 14.53%
2019 120.076.000 -9.44%
2020 150.449.000 20.19%
2021 161.513.000 6.85%
2022 140.831.000 -14.69%
2023 22.076.000 -537.94%
2023 139.314.000 84.15%
2024 60.916.000 -128.7%

Operating cash flow represents the cash generated or consumed by a company's day-to-day operations, excluding external investing or financing activities, and is crucial for stock investors as it shows how much cash a company is generating from its core business operations.

EVERTEC, Inc. Operating Cashflow
Year Operating Cashflow Growth
2011 69.371.000
2012 82.664.000 16.08%
2013 62.866.000 -31.49%
2014 139.948.000 55.08%
2015 160.219.000 12.65%
2016 168.054.000 4.66%
2017 145.786.000 -15.27%
2018 172.734.000 15.6%
2019 179.949.000 4.01%
2020 199.089.000 9.61%
2021 228.420.000 12.84%
2022 223.361.000 -2.26%
2023 37.220.000 -500.11%
2023 224.290.000 83.41%
2024 95.365.000 -135.19%

Capex, short for capital expenditures, refers to the money a company spends on acquiring or upgrading tangible assets like buildings, equipment, or technology, which is important for stock investors as it indicates how much a company is investing in its infrastructure to support future growth and profitability.

EVERTEC, Inc. Capital Expenditure
Year Capital Expenditure Growth
2011 23.429.000
2012 27.509.000 14.83%
2013 28.466.000 3.36%
2014 25.944.000 -9.72%
2015 44.782.000 42.07%
2016 42.269.000 -5.95%
2017 33.464.000 -26.31%
2018 41.319.000 19.01%
2019 59.873.000 30.99%
2020 48.640.000 -23.09%
2021 66.907.000 27.3%
2022 82.530.000 18.93%
2023 15.144.000 -444.97%
2023 84.976.000 82.18%
2024 34.449.000 -146.67%

Balance Sheet

Balance sheets provide a snapshot of a company's financial health and its assets (such as cash, inventory, and property) and liabilities (like debts and obligations) at a specific point in time. For stock investors, balance sheets help assess the company's overall worth and evaluate its ability to meet financial obligations and support future growth.

Equity refers to the ownership interest or stake that shareholders have in a company, representing their claim on its assets and earnings after all debts and liabilities are paid.

EVERTEC, Inc. Equity
Year Equity Growth
2011 366.176.000
2012 122.455.000 -199.03%
2013 111.330.000 -9.99%
2014 119.573.000 6.89%
2015 112.172.000 -6.6%
2016 108.175.000 -3.69%
2017 147.976.000 26.9%
2018 215.606.000 31.37%
2019 271.623.000 20.62%
2020 342.429.000 20.68%
2021 470.268.000 27.18%
2022 474.748.000 0.94%
2023 536.349.000 11.49%
2023 635.376.000 15.59%
2024 525.530.000 -20.9%

Assets represent the valuable resources that a company owns, such as cash, inventory, property, and equipment, and understanding a company's assets helps investors assess its value and potential for generating future profits.

EVERTEC, Inc. Assets
Year Assets Growth
2011 1.046.860.000
2012 977.745.000 -7.07%
2013 919.353.000 -6.35%
2014 890.235.000 -3.27%
2015 880.631.000 -1.09%
2016 885.662.000 0.57%
2017 902.788.000 1.9%
2018 927.292.000 2.64%
2019 1.011.676.000 8.34%
2020 1.072.579.000 5.68%
2021 1.144.756.000 6.31%
2022 1.131.743.000 -1.15%
2023 1.221.460.000 7.35%
2023 2.060.263.000 40.71%
2024 1.889.921.000 -9.01%

Liabilities refer to the financial obligations or debts that a company owes to creditors or external parties, and understanding a company's liabilities is important for investors as it helps assess the company's financial risk and ability to meet its obligations.

EVERTEC, Inc. Liabilities
Year Liabilities Growth
2011 680.684.000
2012 855.290.000 20.41%
2013 808.023.000 -5.85%
2014 770.662.000 -4.85%
2015 768.459.000 -0.29%
2016 777.487.000 1.16%
2017 754.812.000 -3%
2018 711.686.000 -6.06%
2019 740.053.000 3.83%
2020 730.150.000 -1.36%
2021 674.488.000 -8.25%
2022 656.995.000 -2.66%
2023 685.111.000 4.1%
2023 1.424.887.000 51.92%
2024 1.364.391.000 -4.43%

EVERTEC, Inc. Financial Ratio (TTM)

Valuation Metrics

Revenue per Share
12.19
Net Income per Share
1.08
Price to Earning Ratio
30.98x
Price To Sales Ratio
2.72x
POCF Ratio
9.37
PFCF Ratio
17.28
Price to Book Ratio
4.45
EV to Sales
3.54
EV Over EBITDA
10.48
EV to Operating CashFlow
12.12
EV to FreeCashFlow
22.5
Earnings Yield
0.03
FreeCashFlow Yield
0.06
Market Cap
2,13 Bil.
Enterprise Value
2,78 Bil.
Graham Number
13.49
Graham NetNet
-14.65

Income Statement Metrics

Net Income per Share
1.08
Income Quality
3.31
ROE
0.13
Return On Assets
0.04
Return On Capital Employed
0.09
Net Income per EBT
0.93
EBT Per Ebit
0.65
Ebit per Revenue
0.17
Effective Tax Rate
0.04

Margins

Sales, General, & Administrative to Revenue
0
Research & Developement to Revenue
0
Stock Based Compensation to Revenue
0.04
Gross Profit Margin
0.39
Operating Profit Margin
0.17
Pretax Profit Margin
0.11
Net Profit Margin
0.1

Dividends

Dividend Yield
0.01
Dividend Yield %
0.6
Payout Ratio
0.19
Dividend Per Share
0.2

Operating Metrics

Operating Cashflow per Share
3.56
Free CashFlow per Share
1.92
Capex to Operating CashFlow
0.46
Capex to Revenue
0.13
Capex to Depreciation
0.87
Return on Invested Capital
0.1
Return on Tangible Assets
0.1
Days Sales Outstanding
56.85
Days Payables Outstanding
45.99
Days of Inventory on Hand
0
Receivables Turnover
6.42
Payables Turnover
7.94
Inventory Turnover
0
Capex per Share
1.64

Balance Sheet

Cash per Share
5,11
Book Value per Share
8,16
Tangible Book Value per Share
-10.37
Shareholders Equity per Share
7.5
Interest Debt per Share
16.09
Debt to Equity
2
Debt to Assets
0.51
Net Debt to EBITDA
2.43
Current Ratio
1.82
Tangible Asset Value
-0,67 Bil.
Net Current Asset Value
-0,83 Bil.
Invested Capital
1511613000
Working Capital
0,24 Bil.
Intangibles to Total Assets
0.63
Average Receivables
0,13 Bil.
Average Payables
0,06 Bil.
Average Inventory
0
Debt to Market Cap
0.45

Dividends

Dividends in stock investing are like rewards that companies give to their shareholders. They are a portion of the company's profits distributed to investors, typically in the form of cash payments, as a way for them to share in the company's success.

EVERTEC, Inc. Dividends
Year Dividends Growth
2013 0
2014 0 0%
2015 0 0%
2016 0 0%
2017 0 0%
2018 0 0%
2019 0 0%
2020 0 0%
2021 0 0%
2022 0 0%
2023 0 0%
2024 0 0%

EVERTEC, Inc. Profile

About EVERTEC, Inc.

EVERTEC, Inc. engages in transaction processing business in Latin America and the Caribbean. The company operates through Payment Services - Puerto Rico & Caribbean; Payment Services - Latin America; Merchant Acquiring; Business Solutions, and Corporate and Other segments. 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. The company also 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; and EBT services. In addition, it provides business process management solutions comprising core bank processing, network hosting and management, IT consulting, business process outsourcing, item and cash processing, and fulfillment solutions to financial institutions, and corporate and government customers. Further, the company owns and operates the ATH network, an automated teller machine and personal identification number debit networks. It manages a system of electronic payment networks that process approximately three 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.

CEO
Mr. Morgan M. Schuessler Jr.
Employee
5.000
Address
Cupey Center Building
San Juan, 00926

EVERTEC, Inc. Executives & BODs

EVERTEC, Inc. Executives & BODs
# Name Age
1 Ms. Paola Pérez Surillo
Executive Vice President & Group Head of Puerto Rico
70
2 Mr. Joaquin A. Castrillo-Salgado CPA
Executive Vice President, Treasurer & Chief Financial Officer
70
3 Mr. Miguel Vizcarrondo Carrión
Executive Vice President and Chief Product & Innovation Officer
70
4 Ms. Karla M. Cruz-Jusino
Senior Vice President, Chief Accounting Officer & Assistant Treasurer
70
5 Mr. Luis A. Rodríguez-González J.D.
Executive Vice President, Chief Legal & Administrative Officer and Secretary
70
6 Mr. Rodrigo Del Castillo
Chief Commercial Officer for Latin America
70
7 Ms. Alexandra López-Soler
Executive Vice President & Chief Marketing Officer
70
8 Mr. Morgan M. Schuessler Jr.
President, Chief Executive Officer & Director
70
9 Mr. Diego Viglianco
Executive Vice President & Chief Operating Officer
70
10 Mr. Alberto Lopez Gaffney
Chief Corporate Development Officer & Executive Vice President of Corporate Development
70

EVERTEC, Inc. Competitors