EVERTEC, Inc. (EVTC) 10-Year Financial Performance & Capital Metrics

EVTC • • Industrial / General

TechnologyInfrastructure SoftwarePayment Processing & Digital CommerceEnterprise Payment Processors

AboutEVERTEC, 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.Show more

Revenue $845M +21.7%
EBITDA $294M +27.7%
Net Income $113M +41.3%
EPS (Diluted) 1.73 +43.0%
Gross Margin 51.93% +0.8%
EBITDA Margin 34.72% +5.0%
Operating Margin 19.59%
Net Margin 13.32% +16.1%
ROE 19.51% +35.8%
ROIC 9.79% -1.1%
Debt/Equity 1.86 +19.9%
Interest Coverage 2.22 -47.4%

Technical Analysis

Key Insights

Based on financial data analysis

✓Strengths

✓Excellent 3Y average ROE of 28.2%
✓Strong Piotroski F-Score: 8/9
✓FCF machine: 20.3% free cash flow margin
✓High quality earnings: Operating CF exceeds net income
✓Strong 5Y sales CAGR of 11.6%
✓Healthy 5Y average net margin of 22.2%

✗Weaknesses

No significant weaknesses identified

Price & Volume

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Growth Metrics

Revenue CAGR

10Y8.88%

5Y11.65%

3Y12.75%

TTM9.67%

Profit (Net Income) CAGR

10Y5.25%

5Y1.71%

3Y-11.25%

TTM73.84%

EPS CAGR

10Y7.49%

5Y4.18%

3Y-7.84%

TTM35.94%

ROCE

10Y Avg14.53%

5Y Avg14.58%

3Y Avg12.17%

Latest9.92%

Peer Comparison

Enterprise Payment Processors

Name	Market Cap	Current Price	P/E Ratio	Revenue Growth 1Y	Net Margin	ROE	FCF Yield	Debt/Equity
TOSTToast, Inc.	17.39B	33.76	1048.45	28.33%	4.66%	13.56%	1.76%	0.02
DLODLocal Limited	2.42B	14.59	37.41	14.7%	17.8%	33.87%		0.11
IIIVi3 Verticals, Inc.	615.36M	25.67	36.67	-7.29%	55.87%	25.96%	0.93%	0.01
ACIWACI Worldwide, Inc.	4.48B	43.49	22.77	9.76%	15.07%	17.64%	7.66%	0.67
FOURShift4 Payments, Inc.	4.45B	65.91	21.75	29.86%	5.02%	8.73%	6.97%	2.83
WEXWEX Inc.	5.51B	160.57	21.41	3.15%	10.81%	25.38%	6.07%	2.99
EVTCEVERTEC, Inc.	1.93B	30.12	17.41	21.7%	16.17%	20.63%	8.91%	1.86
XYZBlock, Inc.	35.55B	64.92	14.27	10.06%	13.08%	13.95%	4.37%	0.37

Profit & Loss

	Dec 2015	Dec 2016	Dec 2017	Dec 2018	Dec 2019	Dec 2020	Dec 2021	Dec 2022	Dec 2023	Dec 2024
Sales/Revenue+	372.88M	389.51M	407.14M	453.87M	487.37M	510.59M	589.8M	618.41M	694.71M	845.49M
Revenue Growth %	0.03%	0.04%	0.05%	0.11%	0.07%	0.05%	0.16%	0.05%	0.12%	0.22%
Cost of Goods Sold+	167.86M	175.81M	200.65M	196.96M	213.38M	226.87M	250.16M	292.62M	336.76M	406.42M
COGS % of Revenue	0.45%	0.45%	0.49%	0.43%	0.44%	0.44%	0.42%	0.47%	0.48%	0.48%
Gross Profit+	205.03M	213.7M	206.49M	256.91M	274M	283.72M	339.63M	325.79M	357.95M	439.07M
Gross Margin %	0.55%	0.55%	0.51%	0.57%	0.56%	0.56%	0.58%	0.53%	0.52%	0.52%
Gross Profit Growth %	0%	0.04%	-0.03%	0.24%	0.07%	0.04%	0.2%	-0.04%	0.1%	0.23%
Operating Expenses+	102.25M	106.55M	120.41M	131.78M	129.49M	142.33M	143.12M	168.39M	221.79M	273.4M
OpEx % of Revenue	0.27%	0.27%	0.3%	0.29%	0.27%	0.28%	0.24%	0.27%	0.32%	0.32%
Selling, General & Admin	37.28M	46.99M	56.16M	68.72M	61.41M	70.81M	68.05M	89.77M	128.17M	145.56M
SG&A % of Revenue	0.1%	0.12%	0.14%	0.15%	0.13%	0.14%	0.12%	0.15%	0.18%	0.17%
Research & Development	0	0	0	0	0	0	0	0	0	0
R&D % of Revenue	-	-	-	-	-	-	-	-	-	-
Other Operating Expenses	2.31M	544K	2.66M	2.6M	68.08M	71.52M	75.07M	78.62M	93.62M	127.85M
Operating Income+	102.78M	107.14M	86.08M	125.13M	144.5M	141.39M	196.51M	157.4M	136.16M	165.67M
Operating Margin %	0.28%	0.28%	0.21%	0.28%	0.3%	0.28%	0.33%	0.25%	0.2%	0.2%
Operating Income Growth %	0.06%	0.04%	-0.2%	0.45%	0.15%	-0.02%	0.39%	-0.2%	-0.13%	0.22%
EBITDA+	167.75M	166.71M	150.33M	188.19M	212.58M	218.79M	271.58M	242.13M	229.78M	293.51M
EBITDA Margin %	0.45%	0.43%	0.37%	0.41%	0.44%	0.43%	0.46%	0.39%	0.33%	0.35%
EBITDA Growth %	0.03%	-0.01%	-0.1%	0.25%	0.13%	0.03%	0.24%	-0.11%	-0.05%	0.28%
D&A (Non-Cash Add-back)	64.97M	59.57M	64.25M	63.07M	68.08M	77.39M	75.07M	84.73M	93.62M	127.85M
EBIT	103.36M	107.14M	90.06M	125.13M	145.49M	143.86M	204.51M	289.62M	117.67M	194.36M
Net Interest Income+	-23.77M	-24.24M	-29.14M	-29.26M	-27.59M	-23.57M	-20.92M	-21.65M	-23.81M	-61.4M
Interest Income	495K	377K	716K	787K	1.22M	1.5M	1.89M	3.12M	8.51M	13.33M
Interest Expense	24.27M	24.62M	29.86M	30.04M	28.81M	25.07M	22.81M	24.77M	32.32M	74.73M
Other Income/Expense	-21.32M	-23.75M	-25.88M	-25.96M	-27.83M	-17.54M	-14.81M	110.45M	-50.81M	-46.04M
Pretax Income+	81.46M	83.4M	60.2M	99.17M	116.67M	123.85M	181.71M	267.85M	85.35M	119.63M
Pretax Margin %	0.22%	0.21%	0.15%	0.22%	0.24%	0.24%	0.31%	0.43%	0.12%	0.14%
Income Tax+	6.86M	8.27M	4.78M	12.6M	12.97M	19M	20.56M	28.98M	5.48M	4.85M
Effective Tax Rate %	0.92%	0.9%	0.91%	0.87%	0.89%	0.84%	0.89%	0.89%	0.93%	0.94%
Net Income+	74.6M	75.04M	55.05M	86.27M	103.47M	104.44M	161.13M	239.01M	79.72M	112.62M
Net Margin %	0.2%	0.19%	0.14%	0.19%	0.21%	0.2%	0.27%	0.39%	0.11%	0.13%
Net Income Growth %	0.1%	0.01%	-0.27%	0.57%	0.2%	0.01%	0.54%	0.48%	-0.67%	0.41%
Net Income (Continuing)	85.38M	75.13M	55.42M	86.57M	103.7M	104.85M	161.14M	238.87M	79.88M	114.78M
Discontinued Operations	0	0	0	0	0	0	0	0	0	0
Minority Interest	0	3.5M	3.86M	4.15M	4.44M	4.69M	4.06M	3.24M	41.08M	46.74M
EPS (Diluted)+	0.97	1.01	0.76	1.16	1.41	1.43	2.21	3.45	1.21	1.73
EPS Growth %	0.15%	0.04%	-0.25%	0.53%	0.22%	0.01%	0.55%	0.56%	-0.65%	0.43%
EPS (Basic)	0.97	1.01	0.76	1.19	1.44	1.45	2.24	3.48	1.23	1.75
Diluted Shares Outstanding	77.18M	74.47M	72.87M	74.42M	73.48M	73.05M	72.87M	69.31M	65.81M	65.08M
Basic Shares Outstanding	77.07M	74.13M	72.48M	72.61M	72.1M	71.94M	72.05M	68.7M	64.93M	64.29M
Dividend Payout Ratio	0.41%	0.4%	0.4%	0.08%	0.14%	0.14%	0.09%	0.06%	0.16%	0.11%

Balance Sheet

	Dec 2015	Dec 2016	Dec 2017	Dec 2018	Dec 2019	Dec 2020	Dec 2021	Dec 2022	Dec 2023	Dec 2024
Total Current Assets+	145.25M	158.26M	168.71M	216.19M	276.02M	359.05M	436.35M	389.13M	561.35M	529.07M
Cash & Short-Term Investments	28.75M	51.92M	50.42M	69.97M	111.03M	202.65M	266.35M	185.27M	295.6M	273.64M
Cash Only	28.75M	51.92M	50.42M	69.97M	111.03M	202.65M	266.35M	185.27M	295.6M	273.64M
Short-Term Investments	0	0	0	0	0	0	0	0	0	0
Accounts Receivable	59.08M	77.8M	83.33M	100.32M	106.81M	98.39M	117.37M	117.16M	140.49M	145.49M
Days Sales Outstanding	57.83	72.91	74.7	80.68	79.99	70.33	72.63	69.15	73.82	62.81
Inventory	25.58M	17.34M	21.46M	29.02M	39.21M	0	37.96M	0	0	0
Days Inventory Outstanding	55.63	36	39.04	53.79	67.07	-	55.38	-	-	-
Other Current Assets	35.58M	21.09M	24.49M	34.4M	9.48M	47.45M	-628K	70.35M	92.42M	81.47M
Total Non-Current Assets+	735.38M	727.4M	734.08M	711.1M	735.66M	713.53M	708.41M	742.61M	1.5B	1.33B
Property, Plant & Equipment	34.13M	38.93M	37.92M	36.76M	73.77M	71.08M	69.76M	72.31M	77.25M	72.19M
Fixed Asset Turnover	10.93x	10.01x	10.74x	12.35x	6.61x	7.18x	8.45x	8.55x	8.99x	11.71x
Goodwill	368.13M	370.99M	398.57M	394.64M	399.49M	397.67M	393.32M	423.39M	791.7M	726.9M
Intangible Assets	312.06M	299.12M	279.96M	259.27M	241.94M	219.91M	213.29M	200.32M	518.07M	430.88M
Long-Term Investments	12.26M	12.25M	13.07M	12.15M	13.01M	13.14M	15.2M	16.88M	37.04M	4.98M
Other Non-Current Assets	7.11M	5.3M	3.55M	6.36M	5.32M	6.01M	9.93M	24.02M	27M	59.72M
Total Assets+	880.63M	885.66M	902.79M	927.29M	1.01B	1.07B	1.14B	1.13B	2.06B	1.86B
Asset Turnover	0.42x	0.44x	0.45x	0.49x	0.48x	0.48x	0.52x	0.55x	0.34x	0.46x
Asset Growth %	-0.01%	0.01%	0.02%	0.03%	0.09%	0.06%	0.07%	-0.01%	0.82%	-0.1%
Total Current Liabilities+	117.92M	129.16M	147.22M	136.71M	144.31M	152.99M	152.88M	208.41M	298.31M	279.66M
Accounts Payable	21.22M	40.84M	41.13M	47.27M	39.16M	43.35M	28.48M	29.73M	66.52M	58.73M
Days Payables Outstanding	46.13	84.8	74.83	87.6	66.99	69.74	41.56	37.08	72.09	52.74
Short-Term Debt	39.75M	47.79M	58.49M	14.25M	14.25M	14.25M	19.75M	40.75M	23.87M	23.87M
Deferred Revenue (Current)	1000K	1000K	1000K	1000K	1000K	1000K	1000K	1000K	1000K	0
Other Current Liabilities	0	0	0	0	0	0	0	26.7M	47.62M	181.85M
Current Ratio	1.23x	1.23x	1.15x	1.58x	1.91x	2.35x	2.85x	1.87x	1.88x	1.89x
Quick Ratio	1.01x	1.09x	1.00x	1.37x	1.64x	2.35x	2.61x	1.87x	1.88x	1.89x
Cash Conversion Cycle	67.32	24.11	38.92	46.86	80.06	-	86.46	-	-	-
Total Non-Current Liabilities+	650.54M	648.32M	607.6M	574.98M	595.74M	577.16M	521.6M	448.58M	1.13B	1.06B
Long-Term Debt	625.75M	599.67M	557.25M	524.06M	510.95M	481.04M	444.79M	389.5M	946.82M	931.56M
Capital Lease Obligations	-6.45M	0	0	0	24.68M	22.4M	16.46M	10.79M	9.03M	4.92M
Deferred Tax Liabilities	21.91M	14.98M	13.82M	9.95M	4.26M	2.75M	2.37M	10.11M	87.92M	44.81M
Other Non-Current Liabilities	5.64M	16.38M	13.04M	14.9M	27.41M	39.63M	21.74M	4.12M	40.98M	16.89M
Total Liabilities	768.46M	777.49M	754.81M	711.69M	740.05M	730.15M	674.49M	657M	1.42B	1.34B
Total Debt+	665.5M	647.46M	615.74M	538.31M	555.65M	523.52M	486.57M	446.97M	986.41M	966.58M
Net Debt	636.75M	595.54M	565.32M	468.33M	444.62M	320.87M	220.22M	261.7M	690.81M	692.94M
Debt / Equity	5.93x	5.99x	4.16x	2.50x	2.05x	1.53x	1.03x	0.94x	1.55x	1.86x
Debt / EBITDA	3.97x	3.88x	4.10x	2.86x	2.61x	2.39x	1.79x	1.85x	4.29x	3.29x
Net Debt / EBITDA	3.80x	3.57x	3.76x	2.49x	2.09x	1.47x	0.81x	1.08x	3.01x	2.36x
Interest Coverage	4.24x	4.35x	2.88x	4.16x	5.02x	5.64x	8.62x	6.35x	4.21x	2.22x
Total Equity+	112.17M	108.17M	147.98M	215.61M	271.62M	342.43M	470.27M	474.75M	635.38M	519.26M
Equity Growth %	-0.06%	-0.04%	0.37%	0.46%	0.26%	0.26%	0.37%	0.01%	0.34%	-0.18%
Book Value per Share	1.45	1.45	2.03	2.90	3.70	4.69	6.45	6.85	9.65	7.98
Total Shareholders' Equity	112.17M	104.68M	144.11M	211.46M	267.19M	337.74M	466.21M	471.51M	594.29M	472.52M
Common Stock	750K	726K	723K	723K	720K	721K	719K	648K	654K	636K
Retained Earnings	109.29M	116.34M	148.89M	228.74M	296.48M	379.93M	506.05M	487.35M	538.9M	599.61M
Treasury Stock	0	0	0	0	0	0	0	0	0	0
Accumulated OCI	-7.58M	-12.39M	-10.85M	-23.79M	-30.01M	-48.25M	-48.12M	-16.49M	18.21M	-134.72M
Minority Interest	0	3.5M	3.86M	4.15M	4.44M	4.69M	4.06M	3.24M	41.08M	46.74M

Cash Flow

	Dec 2015	Dec 2016	Dec 2017	Dec 2018	Dec 2019	Dec 2020	Dec 2021	Dec 2022	Dec 2023	Dec 2024
Cash from Operations+	160.22M	168.05M	145.79M	172.73M	179.95M	199.09M	228.42M	223.36M	224.29M	260.06M
Operating CF Margin %	0.43%	0.43%	0.36%	0.38%	0.37%	0.39%	0.39%	0.36%	0.32%	0.31%
Operating CF Growth %	0.14%	0.05%	-0.13%	0.18%	0.04%	0.11%	0.15%	-0.02%	0%	0.16%
Net Income	74.6M	75.13M	55.42M	86.57M	103.7M	104.85M	161.14M	238.87M	79.72M	112.62M
Depreciation & Amortization	64.97M	59.57M	64.25M	63.07M	74.24M	71.52M	75.07M	84.73M	93.62M	139.65M
Stock-Based Compensation	5.2M	6.41M	9.64M	12.59M	13.57M	14.25M	14.8M	19.96M	25.73M	30.27M
Deferred Taxes	-1.08M	-4.59M	-4.31M	-4.61M	-6.39M	-3.9M	-2.83M	-435K	-16.14M	-26.73M
Other Non-Cash Items	5.44M	10.58M	17.24M	8.88M	7.37M	6.37M	9.98M	-115.46M	19.72M	5.93M
Working Capital Changes	11.08M	20.96M	3.54M	6.24M	-12.54M	6M	-29.75M	-4.3M	21.64M	-1.68M
Change in Receivables	-4.98M	-2.58M	-2.1M	-18.18M	-7.85M	8.4M	-18.52M	-15.57M	-6.85M	-11.22M
Change in Inventory	-998K	936K	-1.93M	1.34M	-15.98M	0	-9.1M	0	0	0
Change in Payables	14.2M	14.59M	-870K	16.06M	-215K	-1.14M	-394K	26.95M	59.62M	-6.6M
Cash from Investing+	-50.87M	-54.08M	-78.1M	-41.3M	-65.35M	-48.63M	-83.82M	-133.32M	-507.93M	-118.28M
Capital Expenditures	-44.78M	-42.27M	-33.46M	-41.32M	-59.87M	-17.08M	-66.91M	-82.53M	-21.45M	-25.38M
CapEx % of Revenue	0.12%	0.11%	0.08%	0.09%	0.12%	0.03%	0.11%	0.13%	0.03%	0.03%
Acquisitions	-	-	-	-	-	-	-	-	-	-
Investments	-	-	-	-	-	-	-	-	-	-
Other Investing	-6.09M	3.79M	-1.8M	19K	111K	-31.55M	-41M	78K	-63.5M	-63.04M
Cash from Financing+	-112.72M	-90.8M	-69.18M	-105.06M	-70.23M	-62.62M	-81.28M	-156.77M	403.27M	-152.56M
Debt Issued (Net)	-	-	-	-	-	-	-	-	-	-
Equity Issued (Net)	-	-	-	-	-	-	-	-	-	-
Dividends Paid	-30.92M	-29.7M	-21.76M	-7.27M	-14.42M	-14.38M	-14.41M	-13.77M	-13.03M	-12.87M
Share Repurchases	-	-	-	-	-	-	-	-	-	-
Other Financing	0	-8.96M	-17.59M	-4.42M	-8.85M	-8.13M	-8.79M	-7.36M	-11.2M	-31.05M
Net Change in Cash	-	-	-	-	-	-	-	-	-	-
Free Cash Flow+	115.44M	125.78M	112.32M	131.41M	120.08M	150.45M	161.51M	140.83M	139.31M	171.63M
FCF Margin %	0.31%	0.32%	0.28%	0.29%	0.25%	0.29%	0.27%	0.23%	0.2%	0.2%
FCF Growth %	0.01%	0.09%	-0.11%	0.17%	-0.09%	0.25%	0.07%	-0.13%	-0.01%	0.23%
FCF per Share	1.50	1.69	1.54	1.77	1.63	2.06	2.22	2.03	2.12	2.64
FCF Conversion (FCF/Net Income)	2.15x	2.24x	2.65x	2.00x	1.74x	1.91x	1.42x	0.93x	2.81x	2.31x
Interest Paid	21.5M	22.54M	25.38M	26.89M	28.23M	23.79M	21.7M	24.13M	32.15M	72M
Taxes Paid	5.68M	8.7M	9.93M	9.75M	18.7M	22.67M	25.72M	32.83M	36.25M	24.58M

Key Ratios

Metric	2015	2016	2017	2018	2019	2020	2021	2022	2023	2024
Return on Equity (ROE)	64.38%	68.11%	42.99%	47.46%	42.47%	34.02%	39.65%	50.58%	14.36%	19.51%
Return on Invested Capital (ROIC)	10.1%	11.06%	9.11%	13.43%	15.48%	15.37%	21.77%	16.55%	9.9%	9.79%
Gross Margin	54.98%	54.86%	50.72%	56.6%	56.22%	55.57%	57.58%	52.68%	51.53%	51.93%
Net Margin	20.01%	19.26%	13.52%	19.01%	21.23%	20.45%	27.32%	38.65%	11.48%	13.32%
Debt / Equity	5.93x	5.99x	4.16x	2.50x	2.05x	1.53x	1.03x	0.94x	1.55x	1.86x
Interest Coverage	4.24x	4.35x	2.88x	4.16x	5.02x	5.64x	8.62x	6.35x	4.21x	2.22x
FCF Conversion	2.15x	2.24x	2.65x	2.00x	1.74x	1.91x	1.42x	0.93x	2.81x	2.31x
Revenue Growth	3.26%	4.46%	4.53%	11.48%	7.38%	4.76%	15.51%	4.85%	12.34%	21.7%

Revenue by Segment

	2015	2016	2017	2018	2019	2020	2021	2022	2023	2024
Payment Processing	136.57M	144.37M	-	-36.1M	39M	-	42.4M	49.5M	52.9M	-
Payment Processing Growth	-	5.71%	-	-	208.03%	-	-	16.75%	6.87%	-
Software Sale And Developments	-	-	-	2.3M	6.7M	9M	9.2M	14.5M	17.1M	-
Software Sale And Developments Growth	-	-	-	-	191.30%	34.33%	2.22%	57.61%	17.93%	-
Transaction Processing And Monitoring Fees	-	-	-	-	-	-	7.6M	10.7M	14.3M	-
Transaction Processing And Monitoring Fees Growth	-	-	-	-	-	-	-	40.79%	33.64%	-
Business Solutions	179.8M	186.75M	189.08M	-	-	-	-	-	-	-
Business Solutions Growth	-	3.87%	1.24%	-	-	-	-	-	-	-
Payment Processing - Puerto Rico & Caribbean	-	-	101.69M	-	-	-	-	-	-	-
Payment Processing - Puerto Rico & Caribbean Growth	-	-	-	-	-	-	-	-	-	-
Merchant Acquiring Net	85.41M	91.25M	85.78M	-	-	-	-	-	-	-
Merchant Acquiring Net Growth	-	6.83%	-5.99%	-	-	-	-	-	-	-

Revenue by Geography

	2015	2016	2017	2018	2019	2020	2021	2022	2023	2024
PUERTO RICO	322.32M	326.07M	329.53M	358.44M	392.63M	418.15M	473.65M	481.68M	505.25M	543.57M
PUERTO RICO Growth	-	1.16%	1.06%	8.77%	9.54%	6.50%	13.27%	1.70%	4.89%	7.58%
Latin America	39.05M	47.16M	62.7M	79.76M	78.8M	77.56M	97.23M	113.76M	169.41M	281.67M
Latin America Growth	-	20.76%	32.95%	27.21%	-1.21%	-1.56%	25.36%	17.00%	48.91%	66.26%
Caribbean	12.15M	16.27M	14.91M	15.67M	15.95M	14.87M	18.92M	22.97M	20.05M	20.25M
Caribbean Growth	-	33.88%	-8.38%	5.12%	1.77%	-6.75%	27.19%	21.42%	-12.70%	0.98%

Frequently Asked Questions

Valuation & Price

EVERTEC, Inc. (EVTC) has a price-to-earnings (P/E) ratio of 17.4x. This is roughly in line with market averages.

Growth & Financials

EVERTEC, Inc. (EVTC) reported $903.4M in revenue for fiscal year 2024. This represents a 181% increase from $321.1M in 2011.

EVERTEC, Inc. (EVTC) grew revenue by 21.7% over the past year. This is strong growth.

Yes, EVERTEC, Inc. (EVTC) is profitable, generating $146.1M in net income for fiscal year 2024 (13.3% net margin).

Dividend & Returns

Yes, EVERTEC, Inc. (EVTC) pays a dividend with a yield of 0.66%. This makes it attractive for income-focused investors.

EVERTEC, Inc. (EVTC) has a return on equity (ROE) of 19.5%. This is reasonable for most industries.

EVERTEC, Inc. (EVTC) generated $100.4M in free cash flow for fiscal year 2024. Positive FCF indicates the company can fund dividends, buybacks, or reinvestment.

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