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

EVTC •

TechnologyInfrastructure SoftwarePayments and fintech infrastructure

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 $1618.32B +191307.3%
EBITDA $548.67B +186833.1%
Net Income $247.36B +219536.9%
EPS (Diluted) 2.21 +27.7%
Gross Margin 50.07% -3.6%
EBITDA Margin 33.9% -2.3%
Operating Margin 21.1% +7.7%
Net Margin 15.28% +14.7%
ROE 61.56% +215.6%
ROIC 31.72% +224.0%
Debt/Equity 1.39 -25.3%
Interest Coverage -

Technical Analysis

Key Insights

Based on financial data analysis

✓Strengths

✓Excellent 3Y average ROE of 31.8%
✓Strong 5Y profit CAGR of 373.0%
✓Strong Piotroski F-Score: 7/9
✓Strong 5Y sales CAGR of 401.4%
✓Healthy 5Y average net margin of 21.2%
✓Trading at only 0.0x book value

✗Weaknesses

No significant weaknesses identified

Price & Volume

Loading chart...

Growth Metrics

Revenue CAGR

10Y131.07%

5Y401.42%

3Y1278.04%

TTM191307.29%

Profit (Net Income) CAGR

10Y124.94%

5Y373.04%

3Y911.51%

TTM31570.24%

EPS CAGR

10Y8.58%

5Y9.1%

3Y-13.8%

TTM26.59%

ROCE

10Y Avg16.68%

5Y Avg18.38%

3Y Avg18.3%

Latest34.84%

Peer Comparison

Payments and fintech infrastructure

Name	Market Cap	Current Price	P/E Ratio	Revenue Growth 1Y	Net Margin	ROE	FCF Yield	Debt/Equity
KLARKlarna Group plc	5.12B	13.56	2023.88	21.17%	-9.29%	-10.65%	10.6%	0.35
AFRMAffirm Holdings, Inc.	15.27B	46.98	313.20	38.8%	9.66%	7.96%	3.94%	2.56
RELYRemitly Global, Inc.	3.5B	16.70	53.87	29.37%	1.36%	2.63%	8.46%	0.22
TOSTToast, Inc.	14.28B	27.31	48.77	24.05%	5.56%	16.1%	4.26%	0.02
DLODLocal Limited	2.03B	12.24	31.38	14.7%	17.8%	33.87%		0.11
XYZBlock, Inc.	38.35B	63.70	30.33	0.3%	5.39%	5.88%	6.32%	0.33
CSGSCSG Systems International, Inc.	2.31B	79.90	26.37	2.39%	7.17%	30.93%	4.91%	2.03
CPAYCorpay, Inc.	22.81B	325.10	23.27	5.77%	24.37%	25.52%	7.74%	2.54

Profit & Loss

	Dec 2016	Dec 2017	Dec 2018	Dec 2019	Dec 2020	Dec 2021	Dec 2022	Dec 2023	Dec 2024	Dec 2025
Sales/Revenue+	389.51M	407.14M	453.87M	487.37M	510.59M	589.8M	618.41M	694.71M	845.49M	1.62T
Revenue Growth %	4.46%	4.53%	11.48%	7.38%	4.76%	15.51%	4.85%	12.34%	21.7%	191307.29%
Cost of Goods Sold+	175.81M	200.65M	196.96M	213.38M	226.87M	250.16M	292.62M	336.76M	406.42M	808.07B
COGS % of Revenue	45.14%	49.28%	43.4%	43.78%	44.43%	42.42%	47.32%	48.47%	48.07%	49.93%
Gross Profit+	213.7M	206.49M	256.91M	274M	283.72M	339.63M	325.79M	357.95M	439.07M	810.26B
Gross Margin %	54.86%	50.72%	56.6%	56.22%	55.57%	57.58%	52.68%	51.53%	51.93%	50.07%
Gross Profit Growth %	4.23%	-3.37%	24.42%	6.65%	3.55%	19.71%	-4.08%	9.87%	22.66%	184438.93%
Operating Expenses+	106.55M	120.41M	131.78M	129.49M	142.33M	143.12M	168.39M	221.79M	273.4M	261.58B
OpEx % of Revenue	27.36%	29.57%	29.04%	26.57%	27.87%	24.27%	27.23%	31.93%	32.34%	16.16%
Selling, General & Admin	46.99M	56.16M	68.72M	61.41M	70.81M	68.05M	89.77M	128.17M	145.56M	261.58B
SG&A % of Revenue	12.06%	13.79%	15.14%	12.6%	13.87%	11.54%	14.52%	18.45%	17.22%	16.16%
Research & Development	0	0	0	0	0	0	0	0	0	0
R&D % of Revenue	-	-	-	-	-	-	-	-	-	-
Other Operating Expenses	544K	2.66M	2.6M	68.08M	71.52M	75.07M	78.62M	93.62M	127.85M	0
Operating Income+	107.14M	86.08M	125.13M	144.5M	141.39M	196.51M	157.4M	136.16M	165.67M	341.42B
Operating Margin %	27.51%	21.14%	27.57%	29.65%	27.69%	33.32%	25.45%	19.6%	19.59%	21.1%
Operating Income Growth %	4.25%	-19.66%	45.36%	15.48%	-2.15%	38.99%	-19.9%	-13.49%	21.67%	205988.68%
EBITDA+	166.71M	150.33M	188.19M	212.58M	218.79M	271.58M	242.13M	229.78M	293.51M	548.67B
EBITDA Margin %	42.8%	36.92%	41.46%	43.62%	42.85%	46.05%	39.15%	33.08%	34.72%	33.9%
EBITDA Growth %	-0.62%	-9.82%	25.19%	12.96%	2.92%	24.13%	-10.85%	-5.1%	27.74%	186833.1%
D&A (Non-Cash Add-back)	59.57M	64.25M	63.07M	68.08M	77.39M	75.07M	84.73M	93.62M	127.85M	207.25B
EBIT	107.14M	90.06M	125.13M	145.49M	143.86M	204.51M	289.62M	117.67M	194.36M	0
Net Interest Income+	-24.24M	-29.14M	-29.26M	-27.59M	-23.57M	-20.92M	-21.65M	-23.81M	-61.4M	0
Interest Income	377K	716K	787K	1.22M	1.5M	1.89M	3.12M	8.51M	13.33M	24.61B
Interest Expense	24.62M	29.86M	30.04M	28.81M	25.07M	22.81M	24.77M	32.32M	74.73M	-119.02B
Other Income/Expense	-23.75M	-25.88M	-25.96M	-27.83M	-17.54M	-14.81M	110.45M	-50.81M	-46.04M	-67.67B
Pretax Income+	83.4M	60.2M	99.17M	116.67M	123.85M	181.71M	267.85M	85.35M	119.63M	273.75B
Pretax Margin %	21.41%	14.79%	21.85%	23.94%	24.26%	30.81%	43.31%	12.29%	14.15%	16.92%
Income Tax+	8.27M	4.78M	12.6M	12.97M	19M	20.56M	28.98M	5.48M	4.85M	22.14B
Effective Tax Rate %	89.97%	91.45%	87%	88.68%	84.32%	88.68%	89.23%	93.4%	94.14%	90.36%
Net Income+	75.04M	55.05M	86.27M	103.47M	104.44M	161.13M	239.01M	79.72M	112.62M	247.36B
Net Margin %	19.26%	13.52%	19.01%	21.23%	20.45%	27.32%	38.65%	11.48%	13.32%	15.28%
Net Income Growth %	0.58%	-26.63%	56.7%	19.94%	0.93%	54.29%	48.33%	-66.64%	41.27%	219536.95%
Net Income (Continuing)	75.13M	55.42M	86.57M	103.7M	104.85M	161.14M	238.87M	79.88M	114.78M	-74.06M
Discontinued Operations	0	0	0	0	0	0	0	0	0	0
Minority Interest	3.5M	3.86M	4.15M	4.44M	4.69M	4.06M	3.24M	41.08M	46.74M	89.16B
EPS (Diluted)+	1.01	0.76	1.16	1.41	1.43	2.21	3.45	1.21	1.73	2.21
EPS Growth %	4.12%	-24.75%	52.63%	21.55%	1.42%	54.55%	56.11%	-64.93%	42.98%	27.75%
EPS (Basic)	1.01	0.76	1.19	1.44	1.45	2.24	3.48	1.23	1.75	2.23
Diluted Shares Outstanding	74.47M	72.87M	74.42M	73.48M	73.05M	72.87M	69.31M	65.81M	65.08M	63.82M
Basic Shares Outstanding	74.13M	72.48M	72.61M	72.1M	71.94M	72.05M	68.7M	64.93M	64.29M	63.07M
Dividend Payout Ratio	39.58%	39.53%	8.43%	13.94%	13.77%	8.94%	5.76%	16.34%	11.43%	-

Balance Sheet

	Dec 2016	Dec 2017	Dec 2018	Dec 2019	Dec 2020	Dec 2021	Dec 2022	Dec 2023	Dec 2024	Dec 2025
Total Current Assets+	158.26M	168.71M	216.19M	276.02M	359.05M	436.35M	389.13M	561.35M	529.07M	590.77B
Cash & Short-Term Investments	51.92M	50.42M	69.97M	111.03M	202.65M	266.35M	185.27M	295.6M	273.64M	305.99B
Cash Only	51.92M	50.42M	69.97M	111.03M	202.65M	266.35M	185.27M	295.6M	273.64M	305.99B
Short-Term Investments	0	0	0	0	0	0	0	0	0	0
Accounts Receivable	77.8M	83.33M	100.32M	106.81M	98.39M	117.37M	117.16M	140.49M	145.49M	164.38B
Days Sales Outstanding	72.91	74.7	80.68	79.99	70.33	72.63	69.15	73.82	62.81	37.07
Inventory	17.34M	21.46M	29.02M	39.21M	0	37.96M	0	0	0	0
Days Inventory Outstanding	36	39.04	53.79	67.07	-	55.38	-	-	-	-
Other Current Assets	21.09M	24.49M	34.4M	9.48M	47.45M	-628K	70.35M	92.42M	81.47M	120.4B
Total Non-Current Assets+	727.4M	734.08M	711.1M	735.66M	713.53M	708.41M	742.61M	1.5B	1.33B	1.65T
Property, Plant & Equipment	38.93M	37.92M	36.76M	73.77M	71.08M	69.76M	72.31M	77.25M	72.19M	102.57B
Fixed Asset Turnover	10.01x	10.74x	12.35x	6.61x	7.18x	8.45x	8.55x	8.99x	11.71x	15.78x
Goodwill	370.99M	398.57M	394.64M	399.49M	397.67M	393.32M	423.39M	791.7M	726.9M	891.99B
Intangible Assets	299.12M	279.96M	259.27M	241.94M	219.91M	213.29M	200.32M	518.07M	430.88M	553.08B
Long-Term Investments	12.25M	13.07M	12.15M	13.01M	13.14M	15.2M	16.88M	37.04M	4.98M	5.85B
Other Non-Current Assets	5.3M	3.55M	6.36M	5.32M	6.01M	9.93M	24.02M	27M	59.72M	53.64B
Total Assets+	885.66M	902.79M	927.29M	1.01B	1.07B	1.14B	1.13B	2.06B	1.86B	2.24T
Asset Turnover	0.44x	0.45x	0.49x	0.48x	0.48x	0.52x	0.55x	0.34x	0.46x	0.72x
Asset Growth %	0.57%	1.93%	2.71%	9.1%	6.02%	6.73%	-1.14%	82.04%	-9.84%	120662.42%
Total Current Liabilities+	129.16M	147.22M	136.71M	144.31M	152.99M	152.88M	208.41M	298.31M	279.66M	285.04B
Accounts Payable	40.84M	41.13M	47.27M	39.16M	43.35M	28.48M	29.73M	66.52M	58.73M	63.73B
Days Payables Outstanding	84.8	74.83	87.6	66.99	69.74	41.56	37.08	72.09	52.74	28.78
Short-Term Debt	47.79M	58.49M	14.25M	14.25M	14.25M	19.75M	40.75M	23.87M	23.87M	29.75B
Deferred Revenue (Current)	4.53M	7.74M	11.53M	20.67M	24.96M	17.4M	15.23M	21.05M	0	0
Other Current Liabilities	0	0	0	0	0	0	26.7M	47.62M	181.85M	255.29B
Current Ratio	1.23x	1.15x	1.58x	1.91x	2.35x	2.85x	1.87x	1.88x	1.89x	2.07x
Quick Ratio	1.09x	1.00x	1.37x	1.64x	2.35x	2.61x	1.87x	1.88x	1.89x	2.07x
Cash Conversion Cycle	24.11	38.92	46.86	80.06	-	86.46	-	-	-	-
Total Non-Current Liabilities+	648.32M	607.6M	574.98M	595.74M	577.16M	521.6M	448.58M	1.13B	1.06B	1.24T
Long-Term Debt	599.67M	557.25M	524.06M	510.95M	481.04M	444.79M	389.5M	946.82M	931.56M	1.09T
Capital Lease Obligations	0	0	0	24.68M	22.4M	16.46M	10.79M	9.03M	4.92M	0
Deferred Tax Liabilities	14.98M	13.82M	9.95M	4.26M	2.75M	2.37M	10.11M	87.92M	44.81M	71.36B
Other Non-Current Liabilities	16.38M	13.04M	14.9M	27.41M	39.63M	21.74M	4.12M	40.98M	16.89M	86.57B
Total Liabilities	777.49M	754.81M	711.69M	740.05M	730.15M	674.49M	657M	1.42B	1.34B	1.53T
Total Debt+	647.46M	615.74M	538.31M	555.65M	523.52M	486.57M	446.97M	986.41M	966.58M	1.12T
Net Debt	595.54M	565.32M	468.33M	444.62M	320.87M	220.22M	261.7M	690.81M	692.94M	810.09B
Debt / Equity	5.99x	4.16x	2.50x	2.05x	1.53x	1.03x	0.94x	1.55x	1.86x	1.39x
Debt / EBITDA	3.88x	4.10x	2.86x	2.61x	2.39x	1.79x	1.85x	4.29x	3.29x	2.03x
Net Debt / EBITDA	3.57x	3.76x	2.49x	2.09x	1.47x	0.81x	1.08x	3.01x	2.36x	1.48x
Interest Coverage	4.35x	2.88x	4.16x	5.02x	5.64x	8.62x	6.35x	4.21x	2.22x	-
Total Equity+	108.17M	147.98M	215.61M	271.62M	342.43M	470.27M	474.75M	635.38M	519.26M	803.15B
Equity Growth %	-3.56%	36.79%	45.7%	25.98%	26.07%	37.33%	0.95%	33.83%	-18.27%	154571.16%
Book Value per Share	1.45	2.03	2.90	3.70	4.69	6.45	6.85	9.65	7.98	12585.16
Total Shareholders' Equity	104.68M	144.11M	211.46M	267.19M	337.74M	466.21M	471.51M	594.29M	472.52M	713.99B
Common Stock	726K	723K	723K	720K	721K	719K	648K	654K	636K	618M
Retained Earnings	116.34M	148.89M	228.74M	296.48M	379.93M	506.05M	487.35M	538.9M	599.61M	0
Treasury Stock	0	0	0	0	0	0	0	0	0	0
Accumulated OCI	-12.39M	-10.85M	-23.79M	-30.01M	-48.25M	-48.12M	-16.49M	18.21M	-134.72M	0
Minority Interest	3.5M	3.86M	4.15M	4.44M	4.69M	4.06M	3.24M	41.08M	46.74M	89.16B

Cash Flow

	Dec 2016	Dec 2017	Dec 2018	Dec 2019	Dec 2020	Dec 2021	Dec 2022	Dec 2023	Dec 2024	Dec 2025
Cash from Operations+	168.05M	145.79M	172.73M	179.95M	199.09M	228.42M	219.9M	211.19M	260.06M	227.01B
Operating CF Margin %	43.15%	35.81%	38.06%	36.92%	38.99%	38.73%	35.56%	30.4%	30.76%	14.03%
Operating CF Growth %	4.89%	-13.25%	18.48%	4.18%	10.64%	14.73%	-3.73%	-3.96%	23.14%	87190.58%
Net Income	75.13M	55.42M	86.57M	103.7M	104.85M	161.14M	238.87M	79.88M	114.78M	144.56B
Depreciation & Amortization	59.57M	64.25M	63.07M	74.24M	71.52M	75.07M	78.62M	93.62M	127.85M	128.96B
Stock-Based Compensation	6.41M	9.64M	12.59M	13.57M	14.25M	14.8M	19.96M	25.73M	30.27M	29.58B
Deferred Taxes	-4.59M	-4.31M	-4.61M	-6.39M	-3.9M	-2.83M	-435K	-16.14M	-26.73M	-24.15B
Other Non-Cash Items	10.58M	17.24M	8.88M	7.37M	6.37M	9.98M	-109.35M	19.57M	15.57M	-51.94B
Working Capital Changes	20.96M	3.54M	6.24M	-12.54M	6M	-29.75M	-7.76M	8.54M	-1.68M	0
Change in Receivables	-2.58M	-2.1M	-18.18M	-7.85M	8.4M	-18.52M	-15.57M	-6.85M	-11.22M	-28.56B
Change in Inventory	936K	-1.93M	1.34M	-15.98M	0	-9.1M	0	0	0	0
Change in Payables	14.59M	-870K	16.06M	-215K	-1.14M	-394K	26.95M	0	0	-17.19B
Cash from Investing+	-54.08M	-78.1M	-41.3M	-65.35M	-48.63M	-83.82M	-133.32M	-507.93M	-118.28M	-238.24B
Capital Expenditures	-42.27M	-33.46M	-41.32M	-59.87M	-17.08M	-66.91M	-27.07M	-21.45M	-25.38M	0
CapEx % of Revenue	10.85%	8.22%	9.1%	12.28%	3.35%	11.34%	4.38%	3.09%	3%	-
Acquisitions	-15.6M	-42.84M	19K	-5.58M	0	-14.75M	-44.37M	-423.07M	-36.03M	-144.44B
Investments	-	-	-	-	-	-	-	-	-	-
Other Investing	3.79M	-1.8M	19K	111K	-31.55M	-41M	-55.38M	-63.5M	-63.04M	-93.79B
Cash from Financing+	-90.8M	-69.18M	-105.06M	-70.23M	-62.62M	-81.28M	-153.31M	416.37M	-152.56M	0
Debt Issued (Net)	-12.19M	-22.16M	-81.2M	-15.14M	-32.8M	-33.7M	-33.36M	469.55M	-26.35M	0
Equity Issued (Net)	-1000K	-1000K	-1000K	-1000K	-1000K	-1000K	-1000K	-1000K	-1000K	0
Dividends Paid	-29.7M	-21.76M	-7.27M	-14.42M	-14.38M	-14.41M	-13.77M	-13.03M	-12.87M	-12.78B
Share Repurchases	-39.95M	-7.67M	-10M	-31.82M	-7.3M	-24.39M	-96.6M	-36.1M	-82.29M	-69.29B
Other Financing	-8.96M	-17.59M	-4.42M	-8.85M	-8.13M	-8.79M	-9.58M	-4.06M	-31.05M	12.78B
Net Change in Cash	23.17M	-1.5M	26.38M	44.38M	89.98M	64.81M	-70.26M	128.07M	-29.07M	0
Free Cash Flow+	125.78M	112.32M	131.41M	120.08M	150.45M	161.51M	137.37M	126.22M	171.63M	227.01B
FCF Margin %	32.29%	27.59%	28.95%	24.64%	29.47%	27.38%	22.21%	18.17%	20.3%	14.03%
FCF Growth %	8.96%	-10.7%	17%	-8.63%	25.29%	7.35%	-14.95%	-8.12%	35.98%	132164.57%
FCF per Share	1.69	1.54	1.77	1.63	2.06	2.22	1.98	1.92	2.64	3557.16
FCF Conversion (FCF/Net Income)	2.24x	2.65x	2.00x	1.74x	1.91x	1.42x	0.92x	2.65x	2.31x	0.92x
Interest Paid	22.54M	25.38M	26.89M	28.23M	23.79M	21.7M	24.13M	32.15M	72M	0
Taxes Paid	8.7M	9.93M	9.75M	18.7M	22.67M	25.72M	32.83M	36.25M	24.58M	0

Key Ratios

Metric	2016	2017	2018	2019	2020	2021	2022	2023	2024	2025
Return on Equity (ROE)	68.11%	42.99%	47.46%	42.47%	34.02%	39.65%	50.58%	14.36%	19.51%	61.56%
Return on Invested Capital (ROIC)	11.06%	9.11%	13.43%	15.48%	15.37%	21.77%	16.55%	9.9%	9.79%	31.72%
Gross Margin	54.86%	50.72%	56.6%	56.22%	55.57%	57.58%	52.68%	51.53%	51.93%	50.07%
Net Margin	19.26%	13.52%	19.01%	21.23%	20.45%	27.32%	38.65%	11.48%	13.32%	15.28%
Debt / Equity	5.99x	4.16x	2.50x	2.05x	1.53x	1.03x	0.94x	1.55x	1.86x	1.39x
Interest Coverage	4.35x	2.88x	4.16x	5.02x	5.64x	8.62x	6.35x	4.21x	2.22x	-
FCF Conversion	2.24x	2.65x	2.00x	1.74x	1.91x	1.42x	0.92x	2.65x	2.31x	0.92x
Revenue Growth	4.46%	4.53%	11.48%	7.38%	4.76%	15.51%	4.85%	12.34%	21.7%	191307.29%

US Stock Screener

...

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

EVTC •

TechnologyInfrastructure SoftwarePayments and fintech infrastructure

Revenue $1618.32B +191307.3%
EBITDA $548.67B +186833.1%
Net Income $247.36B +219536.9%
EPS (Diluted) 2.21 +27.7%
Gross Margin 50.07% -3.6%
EBITDA Margin 33.9% -2.3%
Operating Margin 21.1% +7.7%
Net Margin 15.28% +14.7%
ROE 61.56% +215.6%
ROIC 31.72% +224.0%
Debt/Equity 1.39 -25.3%
Interest Coverage -

Technical Analysis

Key Insights

Based on financial data analysis

✓Strengths

✓Excellent 3Y average ROE of 31.8%
✓Strong 5Y profit CAGR of 373.0%
✓Strong Piotroski F-Score: 7/9
✓Strong 5Y sales CAGR of 401.4%
✓Healthy 5Y average net margin of 21.2%
✓Trading at only 0.0x book value

✗Weaknesses

No significant weaknesses identified

Price & Volume

Loading chart...

Growth Metrics

Revenue CAGR

10Y131.07%

5Y401.42%

3Y1278.04%

TTM191307.29%

Profit (Net Income) CAGR

10Y124.94%

5Y373.04%

3Y911.51%

TTM31570.24%

EPS CAGR

10Y8.58%

5Y9.1%

3Y-13.8%

TTM26.59%

ROCE

10Y Avg16.68%

5Y Avg18.38%

3Y Avg18.3%

Latest34.84%

Peer Comparison

Payments and fintech infrastructure

Name	Market Cap	Current Price	P/E Ratio	Revenue Growth 1Y	Net Margin	ROE	FCF Yield	Debt/Equity
KLARKlarna Group plc	5.12B	13.56	2023.88	21.17%	-9.29%	-10.65%	10.6%	0.35
AFRMAffirm Holdings, Inc.	15.27B	46.98	313.20	38.8%	9.66%	7.96%	3.94%	2.56
RELYRemitly Global, Inc.	3.5B	16.70	53.87	29.37%	1.36%	2.63%	8.46%	0.22
TOSTToast, Inc.	14.28B	27.31	48.77	24.05%	5.56%	16.1%	4.26%	0.02
DLODLocal Limited	2.03B	12.24	31.38	14.7%	17.8%	33.87%		0.11
XYZBlock, Inc.	38.35B	63.70	30.33	0.3%	5.39%	5.88%	6.32%	0.33
CSGSCSG Systems International, Inc.	2.31B	79.90	26.37	2.39%	7.17%	30.93%	4.91%	2.03
CPAYCorpay, Inc.	22.81B	325.10	23.27	5.77%	24.37%	25.52%	7.74%	2.54

Profit & Loss

	Dec 2016	Dec 2017	Dec 2018	Dec 2019	Dec 2020	Dec 2021	Dec 2022	Dec 2023	Dec 2024	Dec 2025
Sales/Revenue+	389.51M	407.14M	453.87M	487.37M	510.59M	589.8M	618.41M	694.71M	845.49M	1.62T
Revenue Growth %	4.46%	4.53%	11.48%	7.38%	4.76%	15.51%	4.85%	12.34%	21.7%	191307.29%
Cost of Goods Sold+	175.81M	200.65M	196.96M	213.38M	226.87M	250.16M	292.62M	336.76M	406.42M	808.07B
COGS % of Revenue	45.14%	49.28%	43.4%	43.78%	44.43%	42.42%	47.32%	48.47%	48.07%	49.93%
Gross Profit+	213.7M	206.49M	256.91M	274M	283.72M	339.63M	325.79M	357.95M	439.07M	810.26B
Gross Margin %	54.86%	50.72%	56.6%	56.22%	55.57%	57.58%	52.68%	51.53%	51.93%	50.07%
Gross Profit Growth %	4.23%	-3.37%	24.42%	6.65%	3.55%	19.71%	-4.08%	9.87%	22.66%	184438.93%
Operating Expenses+	106.55M	120.41M	131.78M	129.49M	142.33M	143.12M	168.39M	221.79M	273.4M	261.58B
OpEx % of Revenue	27.36%	29.57%	29.04%	26.57%	27.87%	24.27%	27.23%	31.93%	32.34%	16.16%
Selling, General & Admin	46.99M	56.16M	68.72M	61.41M	70.81M	68.05M	89.77M	128.17M	145.56M	261.58B
SG&A % of Revenue	12.06%	13.79%	15.14%	12.6%	13.87%	11.54%	14.52%	18.45%	17.22%	16.16%
Research & Development	0	0	0	0	0	0	0	0	0	0
R&D % of Revenue	-	-	-	-	-	-	-	-	-	-
Other Operating Expenses	544K	2.66M	2.6M	68.08M	71.52M	75.07M	78.62M	93.62M	127.85M	0
Operating Income+	107.14M	86.08M	125.13M	144.5M	141.39M	196.51M	157.4M	136.16M	165.67M	341.42B
Operating Margin %	27.51%	21.14%	27.57%	29.65%	27.69%	33.32%	25.45%	19.6%	19.59%	21.1%
Operating Income Growth %	4.25%	-19.66%	45.36%	15.48%	-2.15%	38.99%	-19.9%	-13.49%	21.67%	205988.68%
EBITDA+	166.71M	150.33M	188.19M	212.58M	218.79M	271.58M	242.13M	229.78M	293.51M	548.67B
EBITDA Margin %	42.8%	36.92%	41.46%	43.62%	42.85%	46.05%	39.15%	33.08%	34.72%	33.9%
EBITDA Growth %	-0.62%	-9.82%	25.19%	12.96%	2.92%	24.13%	-10.85%	-5.1%	27.74%	186833.1%
D&A (Non-Cash Add-back)	59.57M	64.25M	63.07M	68.08M	77.39M	75.07M	84.73M	93.62M	127.85M	207.25B
EBIT	107.14M	90.06M	125.13M	145.49M	143.86M	204.51M	289.62M	117.67M	194.36M	0
Net Interest Income+	-24.24M	-29.14M	-29.26M	-27.59M	-23.57M	-20.92M	-21.65M	-23.81M	-61.4M	0
Interest Income	377K	716K	787K	1.22M	1.5M	1.89M	3.12M	8.51M	13.33M	24.61B
Interest Expense	24.62M	29.86M	30.04M	28.81M	25.07M	22.81M	24.77M	32.32M	74.73M	-119.02B
Other Income/Expense	-23.75M	-25.88M	-25.96M	-27.83M	-17.54M	-14.81M	110.45M	-50.81M	-46.04M	-67.67B
Pretax Income+	83.4M	60.2M	99.17M	116.67M	123.85M	181.71M	267.85M	85.35M	119.63M	273.75B
Pretax Margin %	21.41%	14.79%	21.85%	23.94%	24.26%	30.81%	43.31%	12.29%	14.15%	16.92%
Income Tax+	8.27M	4.78M	12.6M	12.97M	19M	20.56M	28.98M	5.48M	4.85M	22.14B
Effective Tax Rate %	89.97%	91.45%	87%	88.68%	84.32%	88.68%	89.23%	93.4%	94.14%	90.36%
Net Income+	75.04M	55.05M	86.27M	103.47M	104.44M	161.13M	239.01M	79.72M	112.62M	247.36B
Net Margin %	19.26%	13.52%	19.01%	21.23%	20.45%	27.32%	38.65%	11.48%	13.32%	15.28%
Net Income Growth %	0.58%	-26.63%	56.7%	19.94%	0.93%	54.29%	48.33%	-66.64%	41.27%	219536.95%
Net Income (Continuing)	75.13M	55.42M	86.57M	103.7M	104.85M	161.14M	238.87M	79.88M	114.78M	-74.06M
Discontinued Operations	0	0	0	0	0	0	0	0	0	0
Minority Interest	3.5M	3.86M	4.15M	4.44M	4.69M	4.06M	3.24M	41.08M	46.74M	89.16B
EPS (Diluted)+	1.01	0.76	1.16	1.41	1.43	2.21	3.45	1.21	1.73	2.21
EPS Growth %	4.12%	-24.75%	52.63%	21.55%	1.42%	54.55%	56.11%	-64.93%	42.98%	27.75%
EPS (Basic)	1.01	0.76	1.19	1.44	1.45	2.24	3.48	1.23	1.75	2.23
Diluted Shares Outstanding	74.47M	72.87M	74.42M	73.48M	73.05M	72.87M	69.31M	65.81M	65.08M	63.82M
Basic Shares Outstanding	74.13M	72.48M	72.61M	72.1M	71.94M	72.05M	68.7M	64.93M	64.29M	63.07M
Dividend Payout Ratio	39.58%	39.53%	8.43%	13.94%	13.77%	8.94%	5.76%	16.34%	11.43%	-

Balance Sheet

	Dec 2016	Dec 2017	Dec 2018	Dec 2019	Dec 2020	Dec 2021	Dec 2022	Dec 2023	Dec 2024	Dec 2025
Total Current Assets+	158.26M	168.71M	216.19M	276.02M	359.05M	436.35M	389.13M	561.35M	529.07M	590.77B
Cash & Short-Term Investments	51.92M	50.42M	69.97M	111.03M	202.65M	266.35M	185.27M	295.6M	273.64M	305.99B
Cash Only	51.92M	50.42M	69.97M	111.03M	202.65M	266.35M	185.27M	295.6M	273.64M	305.99B
Short-Term Investments	0	0	0	0	0	0	0	0	0	0
Accounts Receivable	77.8M	83.33M	100.32M	106.81M	98.39M	117.37M	117.16M	140.49M	145.49M	164.38B
Days Sales Outstanding	72.91	74.7	80.68	79.99	70.33	72.63	69.15	73.82	62.81	37.07
Inventory	17.34M	21.46M	29.02M	39.21M	0	37.96M	0	0	0	0
Days Inventory Outstanding	36	39.04	53.79	67.07	-	55.38	-	-	-	-
Other Current Assets	21.09M	24.49M	34.4M	9.48M	47.45M	-628K	70.35M	92.42M	81.47M	120.4B
Total Non-Current Assets+	727.4M	734.08M	711.1M	735.66M	713.53M	708.41M	742.61M	1.5B	1.33B	1.65T
Property, Plant & Equipment	38.93M	37.92M	36.76M	73.77M	71.08M	69.76M	72.31M	77.25M	72.19M	102.57B
Fixed Asset Turnover	10.01x	10.74x	12.35x	6.61x	7.18x	8.45x	8.55x	8.99x	11.71x	15.78x
Goodwill	370.99M	398.57M	394.64M	399.49M	397.67M	393.32M	423.39M	791.7M	726.9M	891.99B
Intangible Assets	299.12M	279.96M	259.27M	241.94M	219.91M	213.29M	200.32M	518.07M	430.88M	553.08B
Long-Term Investments	12.25M	13.07M	12.15M	13.01M	13.14M	15.2M	16.88M	37.04M	4.98M	5.85B
Other Non-Current Assets	5.3M	3.55M	6.36M	5.32M	6.01M	9.93M	24.02M	27M	59.72M	53.64B
Total Assets+	885.66M	902.79M	927.29M	1.01B	1.07B	1.14B	1.13B	2.06B	1.86B	2.24T
Asset Turnover	0.44x	0.45x	0.49x	0.48x	0.48x	0.52x	0.55x	0.34x	0.46x	0.72x
Asset Growth %	0.57%	1.93%	2.71%	9.1%	6.02%	6.73%	-1.14%	82.04%	-9.84%	120662.42%
Total Current Liabilities+	129.16M	147.22M	136.71M	144.31M	152.99M	152.88M	208.41M	298.31M	279.66M	285.04B
Accounts Payable	40.84M	41.13M	47.27M	39.16M	43.35M	28.48M	29.73M	66.52M	58.73M	63.73B
Days Payables Outstanding	84.8	74.83	87.6	66.99	69.74	41.56	37.08	72.09	52.74	28.78
Short-Term Debt	47.79M	58.49M	14.25M	14.25M	14.25M	19.75M	40.75M	23.87M	23.87M	29.75B
Deferred Revenue (Current)	4.53M	7.74M	11.53M	20.67M	24.96M	17.4M	15.23M	21.05M	0	0
Other Current Liabilities	0	0	0	0	0	0	26.7M	47.62M	181.85M	255.29B
Current Ratio	1.23x	1.15x	1.58x	1.91x	2.35x	2.85x	1.87x	1.88x	1.89x	2.07x
Quick Ratio	1.09x	1.00x	1.37x	1.64x	2.35x	2.61x	1.87x	1.88x	1.89x	2.07x
Cash Conversion Cycle	24.11	38.92	46.86	80.06	-	86.46	-	-	-	-
Total Non-Current Liabilities+	648.32M	607.6M	574.98M	595.74M	577.16M	521.6M	448.58M	1.13B	1.06B	1.24T
Long-Term Debt	599.67M	557.25M	524.06M	510.95M	481.04M	444.79M	389.5M	946.82M	931.56M	1.09T
Capital Lease Obligations	0	0	0	24.68M	22.4M	16.46M	10.79M	9.03M	4.92M	0
Deferred Tax Liabilities	14.98M	13.82M	9.95M	4.26M	2.75M	2.37M	10.11M	87.92M	44.81M	71.36B
Other Non-Current Liabilities	16.38M	13.04M	14.9M	27.41M	39.63M	21.74M	4.12M	40.98M	16.89M	86.57B
Total Liabilities	777.49M	754.81M	711.69M	740.05M	730.15M	674.49M	657M	1.42B	1.34B	1.53T
Total Debt+	647.46M	615.74M	538.31M	555.65M	523.52M	486.57M	446.97M	986.41M	966.58M	1.12T
Net Debt	595.54M	565.32M	468.33M	444.62M	320.87M	220.22M	261.7M	690.81M	692.94M	810.09B
Debt / Equity	5.99x	4.16x	2.50x	2.05x	1.53x	1.03x	0.94x	1.55x	1.86x	1.39x
Debt / EBITDA	3.88x	4.10x	2.86x	2.61x	2.39x	1.79x	1.85x	4.29x	3.29x	2.03x
Net Debt / EBITDA	3.57x	3.76x	2.49x	2.09x	1.47x	0.81x	1.08x	3.01x	2.36x	1.48x
Interest Coverage	4.35x	2.88x	4.16x	5.02x	5.64x	8.62x	6.35x	4.21x	2.22x	-
Total Equity+	108.17M	147.98M	215.61M	271.62M	342.43M	470.27M	474.75M	635.38M	519.26M	803.15B
Equity Growth %	-3.56%	36.79%	45.7%	25.98%	26.07%	37.33%	0.95%	33.83%	-18.27%	154571.16%
Book Value per Share	1.45	2.03	2.90	3.70	4.69	6.45	6.85	9.65	7.98	12585.16
Total Shareholders' Equity	104.68M	144.11M	211.46M	267.19M	337.74M	466.21M	471.51M	594.29M	472.52M	713.99B
Common Stock	726K	723K	723K	720K	721K	719K	648K	654K	636K	618M
Retained Earnings	116.34M	148.89M	228.74M	296.48M	379.93M	506.05M	487.35M	538.9M	599.61M	0
Treasury Stock	0	0	0	0	0	0	0	0	0	0
Accumulated OCI	-12.39M	-10.85M	-23.79M	-30.01M	-48.25M	-48.12M	-16.49M	18.21M	-134.72M	0
Minority Interest	3.5M	3.86M	4.15M	4.44M	4.69M	4.06M	3.24M	41.08M	46.74M	89.16B

Cash Flow

	Dec 2016	Dec 2017	Dec 2018	Dec 2019	Dec 2020	Dec 2021	Dec 2022	Dec 2023	Dec 2024	Dec 2025
Cash from Operations+	168.05M	145.79M	172.73M	179.95M	199.09M	228.42M	219.9M	211.19M	260.06M	227.01B
Operating CF Margin %	43.15%	35.81%	38.06%	36.92%	38.99%	38.73%	35.56%	30.4%	30.76%	14.03%
Operating CF Growth %	4.89%	-13.25%	18.48%	4.18%	10.64%	14.73%	-3.73%	-3.96%	23.14%	87190.58%
Net Income	75.13M	55.42M	86.57M	103.7M	104.85M	161.14M	238.87M	79.88M	114.78M	144.56B
Depreciation & Amortization	59.57M	64.25M	63.07M	74.24M	71.52M	75.07M	78.62M	93.62M	127.85M	128.96B
Stock-Based Compensation	6.41M	9.64M	12.59M	13.57M	14.25M	14.8M	19.96M	25.73M	30.27M	29.58B
Deferred Taxes	-4.59M	-4.31M	-4.61M	-6.39M	-3.9M	-2.83M	-435K	-16.14M	-26.73M	-24.15B
Other Non-Cash Items	10.58M	17.24M	8.88M	7.37M	6.37M	9.98M	-109.35M	19.57M	15.57M	-51.94B
Working Capital Changes	20.96M	3.54M	6.24M	-12.54M	6M	-29.75M	-7.76M	8.54M	-1.68M	0
Change in Receivables	-2.58M	-2.1M	-18.18M	-7.85M	8.4M	-18.52M	-15.57M	-6.85M	-11.22M	-28.56B
Change in Inventory	936K	-1.93M	1.34M	-15.98M	0	-9.1M	0	0	0	0
Change in Payables	14.59M	-870K	16.06M	-215K	-1.14M	-394K	26.95M	0	0	-17.19B
Cash from Investing+	-54.08M	-78.1M	-41.3M	-65.35M	-48.63M	-83.82M	-133.32M	-507.93M	-118.28M	-238.24B
Capital Expenditures	-42.27M	-33.46M	-41.32M	-59.87M	-17.08M	-66.91M	-27.07M	-21.45M	-25.38M	0
CapEx % of Revenue	10.85%	8.22%	9.1%	12.28%	3.35%	11.34%	4.38%	3.09%	3%	-
Acquisitions	-15.6M	-42.84M	19K	-5.58M	0	-14.75M	-44.37M	-423.07M	-36.03M	-144.44B
Investments	-	-	-	-	-	-	-	-	-	-
Other Investing	3.79M	-1.8M	19K	111K	-31.55M	-41M	-55.38M	-63.5M	-63.04M	-93.79B
Cash from Financing+	-90.8M	-69.18M	-105.06M	-70.23M	-62.62M	-81.28M	-153.31M	416.37M	-152.56M	0
Debt Issued (Net)	-12.19M	-22.16M	-81.2M	-15.14M	-32.8M	-33.7M	-33.36M	469.55M	-26.35M	0
Equity Issued (Net)	-1000K	-1000K	-1000K	-1000K	-1000K	-1000K	-1000K	-1000K	-1000K	0
Dividends Paid	-29.7M	-21.76M	-7.27M	-14.42M	-14.38M	-14.41M	-13.77M	-13.03M	-12.87M	-12.78B
Share Repurchases	-39.95M	-7.67M	-10M	-31.82M	-7.3M	-24.39M	-96.6M	-36.1M	-82.29M	-69.29B
Other Financing	-8.96M	-17.59M	-4.42M	-8.85M	-8.13M	-8.79M	-9.58M	-4.06M	-31.05M	12.78B
Net Change in Cash	23.17M	-1.5M	26.38M	44.38M	89.98M	64.81M	-70.26M	128.07M	-29.07M	0
Free Cash Flow+	125.78M	112.32M	131.41M	120.08M	150.45M	161.51M	137.37M	126.22M	171.63M	227.01B
FCF Margin %	32.29%	27.59%	28.95%	24.64%	29.47%	27.38%	22.21%	18.17%	20.3%	14.03%
FCF Growth %	8.96%	-10.7%	17%	-8.63%	25.29%	7.35%	-14.95%	-8.12%	35.98%	132164.57%
FCF per Share	1.69	1.54	1.77	1.63	2.06	2.22	1.98	1.92	2.64	3557.16
FCF Conversion (FCF/Net Income)	2.24x	2.65x	2.00x	1.74x	1.91x	1.42x	0.92x	2.65x	2.31x	0.92x
Interest Paid	22.54M	25.38M	26.89M	28.23M	23.79M	21.7M	24.13M	32.15M	72M	0
Taxes Paid	8.7M	9.93M	9.75M	18.7M	22.67M	25.72M	32.83M	36.25M	24.58M	0

Key Ratios

Metric	2016	2017	2018	2019	2020	2021	2022	2023	2024	2025
Return on Equity (ROE)	68.11%	42.99%	47.46%	42.47%	34.02%	39.65%	50.58%	14.36%	19.51%	61.56%
Return on Invested Capital (ROIC)	11.06%	9.11%	13.43%	15.48%	15.37%	21.77%	16.55%	9.9%	9.79%	31.72%
Gross Margin	54.86%	50.72%	56.6%	56.22%	55.57%	57.58%	52.68%	51.53%	51.93%	50.07%
Net Margin	19.26%	13.52%	19.01%	21.23%	20.45%	27.32%	38.65%	11.48%	13.32%	15.28%
Debt / Equity	5.99x	4.16x	2.50x	2.05x	1.53x	1.03x	0.94x	1.55x	1.86x	1.39x
Interest Coverage	4.35x	2.88x	4.16x	5.02x	5.64x	8.62x	6.35x	4.21x	2.22x	-
FCF Conversion	2.24x	2.65x	2.00x	1.74x	1.91x	1.42x	0.92x	2.65x	2.31x	0.92x
Revenue Growth	4.46%	4.53%	11.48%	7.38%	4.76%	15.51%	4.85%	12.34%	21.7%	191307.29%

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

Key Insights

✓Strengths

✗Weaknesses

Price & Volume

Growth Metrics

Revenue CAGR

Profit (Net Income) CAGR

EPS CAGR

ROCE

Peer Comparison

Compare EVTC vs Peers

vs XYZ

vs CPAY

Compare Top 5

Profit & Loss

Balance Sheet

Cash Flow

Key Ratios

Deep Dive Analysis

Valuation Overview

Total Return Calculator

Dividend History

Earnings History

Price History

Revenue History

Financial Ratios

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

Key Insights

✓Strengths

✗Weaknesses

Price & Volume

Growth Metrics

Revenue CAGR

Profit (Net Income) CAGR

EPS CAGR

ROCE

Peer Comparison

Compare EVTC vs Peers

vs XYZ

vs CPAY

Compare Top 5

Profit & Loss

Balance Sheet

Cash Flow

Key Ratios

Deep Dive Analysis

Valuation Overview

Total Return Calculator

Dividend History

Earnings History

Price History

Revenue History

Financial Ratios