EVERTEC, Inc. (EVTC) Financial Ratios
15 years of historical data (2011–2025) · Technology · Software - Infrastructure
EV/EBITDA
↓
7.81
↓-33% vs avg
5yr avg: 11.67
30Y Low8.7·High17.0
P/FCF
↓
11.70
↓-35% vs avg
5yr avg: 17.88
30Y Low8.9·High56.9
P/B Ratio
↓
2.32
↓-51% vs avg
5yr avg: 4.73
30Y Low2.6·High17.5
ROE
↓
23.0%
↑-22% vs avg
5yr avg: 29.4%
30Y Low-21%·High68%
Debt/EBITDA
↑
3.66
↑+23% vs avg
5yr avg: 2.99
30Y Low1.8·High5.1
Percentile shows where the current value sits in 30-year historical distribution. Sparklines show 5-year trend.
EVTC Valuation Multiples
Price-based multiples — how expensive the stock is relative to earnings, sales, book value, and cash flow
EVERTEC, Inc. trades at 11.7x earnings, 41% below its 5-year average of 19.8x, sitting at the 8th percentile of its historical range. Compared to the Technology sector median P/E of 29.0x, the stock trades at a discount of 60%. On a free-cash-flow basis, the stock trades at 11.7x P/FCF, 35% below the 5-year average of 17.9x.
| Metric | TTM | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 | FY 2019 | FY 2018 | FY 2017 | FY 2016 |
|---|---|---|---|---|---|---|---|---|---|---|---|
| Market Cap | $1.6B | $1.9B | $2.2B | $2.7B | $2.2B | $3.6B | $2.9B | $2.5B | $2.1B | $995M | $1.3B |
| Enterprise Value | $2.4B | $2.7B | $2.9B | $3.4B | $2.5B | $3.9B | $3.2B | $2.9B | $2.6B | $1.6B | $1.9B |
| P/E Ratio → | 11.69 | 13.22 | 19.96 | 33.83 | 9.39 | 22.62 | 27.50 | 24.14 | 24.74 | 17.96 | 17.57 |
| P/S Ratio | 1.70 | 2.01 | 2.66 | 3.88 | 3.63 | 6.18 | 5.63 | 5.13 | 4.71 | 2.44 | 3.39 |
| P/B Ratio | 2.32 | 2.62 | 4.33 | 4.24 | 4.73 | 7.74 | 8.39 | 9.21 | 9.91 | 6.72 | 12.22 |
| P/FCF | 11.70 | 13.83 | 13.09 | 21.34 | 16.34 | 24.82 | 19.09 | 20.83 | 16.25 | 8.86 | 10.51 |
| P/OCF | 6.98 | 8.26 | 8.64 | 12.76 | 10.21 | 15.94 | 14.43 | 13.90 | 12.37 | 6.82 | 7.87 |
P/E links to full P/E history page with 30-year chart
EVTC EV Ratios
Enterprise-value multiples — capital-structure-neutral measures of total business value
EVERTEC, Inc.'s enterprise value stands at 7.8x EBITDA, 33% below its 5-year average of 11.7x. The Technology sector median is 16.7x, placing the stock at a 53% discount on an enterprise-value basis.
| Metric | TTM | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 | FY 2019 | FY 2018 | FY 2017 | FY 2016 |
|---|---|---|---|---|---|---|---|---|---|---|---|
| EV / Revenue | — | 2.90 | 3.48 | 4.87 | 4.05 | 6.55 | 6.25 | 6.04 | 5.74 | 3.83 | 4.92 |
| EV / EBITDA | 7.81 | 8.75 | 10.02 | 14.73 | 10.62 | 14.22 | 15.00 | 13.86 | 13.84 | 10.38 | 11.50 |
| EV / EBIT | 12.92 | 12.12 | 15.13 | 28.77 | 8.56 | 18.89 | 21.44 | 20.25 | 20.15 | 17.32 | 17.75 |
| EV / FCF | — | 19.91 | 17.13 | 26.82 | 18.24 | 26.32 | 21.22 | 24.53 | 19.82 | 13.89 | 15.24 |
EVTC Profitability
Margins and return-on-capital ratios measuring operating efficiency
EVERTEC, Inc. earns an operating margin of 20.0%. ROE of 23.0% indicates solid capital efficiency. ROIC of 10.2% represents solid returns on invested capital.
Margins
Full margin charts and quarterly trend are on the Earnings History page
| Metric | TTM | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 | FY 2019 | FY 2018 | FY 2017 | FY 2016 |
|---|---|---|---|---|---|---|---|---|---|---|---|
| Gross Margin | 49.7% | 49.7% | 51.9% | 51.5% | 52.7% | 57.6% | 55.6% | 56.2% | 56.6% | 50.7% | 54.9% |
| Operating Margin | 20.0% | 20.0% | 19.6% | 19.6% | 25.5% | 33.3% | 27.7% | 29.6% | 27.6% | 21.1% | 27.5% |
| Net Profit Margin | 15.2% | 15.2% | 13.3% | 11.5% | 38.6% | 27.3% | 20.5% | 21.2% | 19.0% | 13.5% | 19.3% |
Return on Capital
| Metric | TTM | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 | FY 2019 | FY 2018 | FY 2017 | FY 2016 |
|---|---|---|---|---|---|---|---|---|---|---|---|
| ROE | 23.0% | 23.0% | 19.5% | 14.4% | 50.6% | 39.7% | 34.0% | 42.5% | 47.5% | 43.0% | 68.1% |
| ROA | 6.9% | 6.9% | 5.7% | 5.0% | 21.0% | 14.5% | 10.0% | 10.7% | 9.4% | 6.2% | 8.5% |
| ROIC | 10.2% | 10.2% | 9.8% | 9.9% | 16.5% | 21.8% | 15.4% | 15.5% | 13.4% | 9.1% | 11.1% |
| ROCE | 10.5% | 10.5% | 9.9% | 10.1% | 16.4% | 20.6% | 15.8% | 17.4% | 16.2% | 11.4% | 14.0% |
EVTC Leverage & Debt
Solvency and debt-coverage ratios — lower is generally safer
EVERTEC, Inc. carries a Debt/EBITDA ratio of 3.7x, which is moderately leveraged (25% above the sector average of 2.9x). Net debt stands at $824M ($1.1B total debt minus $306M cash). Interest coverage of 3.3x is adequate, though a cyclical earnings downturn could tighten the margin of safety.
| Metric | TTM | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 | FY 2019 | FY 2018 | FY 2017 | FY 2016 |
|---|---|---|---|---|---|---|---|---|---|---|---|
| Debt / Equity | 1.58 | 1.58 | 1.86 | 1.55 | 0.94 | 1.03 | 1.53 | 2.05 | 2.50 | 4.16 | 5.99 |
| Debt / EBITDA | 3.66 | 3.66 | 3.29 | 4.29 | 1.89 | 1.79 | 2.46 | 2.61 | 2.86 | 4.10 | 3.88 |
| Net Debt / Equity | — | 1.15 | 1.33 | 1.09 | 0.55 | 0.47 | 0.94 | 1.64 | 2.17 | 3.82 | 5.51 |
| Net Debt / EBITDA | 2.67 | 2.67 | 2.36 | 3.01 | 1.11 | 0.81 | 1.51 | 2.09 | 2.49 | 3.76 | 3.57 |
| Debt / FCF | — | 6.08 | 4.04 | 5.47 | 1.91 | 1.50 | 2.13 | 3.70 | 3.56 | 5.03 | 4.73 |
| Interest Coverage | 3.26 | 3.26 | 2.60 | 3.64 | 11.81 | 8.97 | 5.94 | 5.05 | 4.30 | 3.02 | 4.39 |
EVTC Liquidity & Efficiency
Short-term solvency ratios and asset-utilisation metrics
EVERTEC, Inc.'s current ratio of 2.07x is well above the 1.0 safety threshold, indicating strong short-term liquidity with ample room to cover current liabilities. The current ratio has improved from 1.88x to 2.07x over the past 3 years.
| Metric | TTM | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 | FY 2019 | FY 2018 | FY 2017 | FY 2016 |
|---|---|---|---|---|---|---|---|---|---|---|---|
| Current Ratio | 2.07 | 2.07 | 1.89 | 1.88 | 1.87 | 2.85 | 2.35 | 1.91 | 1.58 | 1.15 | 1.23 |
| Quick Ratio | 2.07 | 2.07 | 1.89 | 1.88 | 1.87 | 2.61 | 2.35 | 1.64 | 1.37 | 1.00 | 1.09 |
| Cash Ratio | 1.07 | 1.07 | 0.98 | 0.99 | 0.89 | 1.74 | 1.32 | 0.77 | 0.51 | 0.34 | 0.40 |
| Asset Turnover | — | 0.42 | 0.46 | 0.34 | 0.55 | 0.52 | 0.48 | 0.48 | 0.49 | 0.45 | 0.44 |
| Inventory Turnover | — | — | — | — | — | 6.59 | — | 5.44 | 6.79 | 9.35 | 10.14 |
| Days Sales Outstanding | — | 70.73 | 64.68 | 73.82 | 69.15 | 72.63 | 72.04 | 82.48 | 82.05 | 76.09 | 74.18 |
EVTC Shareholder Yields
Earnings, FCF, buyback, and dividend yields — total returns to shareholders
EVERTEC, Inc. returns 5.1% to shareholders annually — split between a 0.8% dividend yield and 4.4% buyback yield. The payout ratio of 9.0% is conservative, leaving significant room for dividend growth or reinvestment. The earnings yield of 8.6% (inverse of P/E) provides a useful comparison to bond yields when assessing the stock's relative attractiveness to fixed income.
Dividends
Full dividend history and growth charts are on the Dividend History page
| Metric | TTM | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 | FY 2019 | FY 2018 | FY 2017 | FY 2016 |
|---|---|---|---|---|---|---|---|---|---|---|---|
| Dividend Yield | 0.8% | 0.7% | 0.6% | 0.5% | 0.6% | 0.4% | 0.5% | 0.6% | 0.3% | 2.2% | 2.2% |
| Payout Ratio | 9.0% | 9.0% | 11.4% | 16.3% | 5.8% | 8.9% | 13.8% | 13.9% | 8.4% | 39.5% | 39.6% |
Total Shareholder Return Metrics
| Metric | TTM | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 | FY 2019 | FY 2018 | FY 2017 | FY 2016 |
|---|---|---|---|---|---|---|---|---|---|---|---|
| Earnings Yield | 8.6% | 7.6% | 5.0% | 3.0% | 10.7% | 4.4% | 3.6% | 4.1% | 4.0% | 5.6% | 5.7% |
| FCF Yield | 8.5% | 7.2% | 7.6% | 4.7% | 6.1% | 4.0% | 5.2% | 4.8% | 6.2% | 11.3% | 9.5% |
| Buyback Yield | 4.4% | 3.7% | 3.7% | 1.3% | 4.3% | 0.7% | 0.3% | 1.3% | 0.5% | 0.8% | 3.0% |
| Total Shareholder Yield | 5.1% | 4.4% | 4.2% | 1.8% | 4.9% | 1.1% | 0.8% | 1.8% | 0.8% | 3.0% | 5.3% |
| Shares Outstanding | — | $64M | $65M | $66M | $69M | $73M | $73M | $73M | $74M | $73M | $74M |
Peer Comparison
Compare EVTC with 10 similar companies in its peer group
| Company | Market Cap | P/E | EV/EBITDA | P/FCF | Gross Margin | Op Margin | ROE | ROIC | Debt/EBITDA |
|---|---|---|---|---|---|---|---|---|---|
 EVTCYou | $2B | 11.7 | 7.8 | 11.7 | 49.7% | 20.0% | 23.0% | 10.2% | 3.7 |
 PAYO | $2B | 36.9 | 10.5 | 11.4 | 78.1% | 11.8% | 10.2% | 30.7% | 0.4 |
 CASS | $639M | 19.0 | 6.5 | 20.1 | 100.0% | 20.3% | 14.9% | — | 0.1 |
 FIS | $20B | 50.9 | 6.4 | 7.0 | 36.9% | 16.5% | 2.6% | 6.0% | 1.1 |
 FISV | $26B | 7.5 | 6.1 | 5.9 | 59.4% | 26.9% | 13.0% | 8.1% | 3.3 |
 GPN | $16B | 11.5 | 10.1 | 7.8 | 72.6% | 19.1% | 6.0% | 3.0% | 7.6 |
 WEX | $4B | 15.1 | 8.3 | 14.1 | 54.9% | 25.4% | 22.3% | 9.6% | 4.8 |
 JKHY | $9B | 20.2 | 11.7 | 15.5 | 42.7% | 23.9% | 21.4% | 21.0% | — |
 V | $628B | 32.1 | 25.1 | 29.1 | 80.4% | 60.0% | 52.1% | 29.2% | 1.0 |
 MA | $434B | 29.6 | 21.5 | 25.6 | 83.4% | 59.2% | 209.9% | 56.5% | 0.9 |
 AXP | $232B | 22.0 | 15.5 | 14.5 | 83.2% | 17.1% | 34.0% | 12.0% | 3.7 |
| Technology Median | — | 29.0 | 16.7 | 19.2 | 48.8% | 0.2% | 1.6% | 2.7% | 2.9 |
Peer selection based on competitive and market overlap. Compare multiple stocks →
Download Financial Ratios Data
Includes 30+ ratios · 15 years · Updated daily
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EVTC — Frequently Asked Questions
Quick answers to the most common questions about buying EVTC stock.
What is EVERTEC, Inc.'s P/E ratio?
EVERTEC, Inc.'s current P/E ratio is 11.7x. The historical average is 21.2x. This places it at the 8th percentile of its historical range.
What is EVERTEC, Inc.'s EV/EBITDA?
EVERTEC, Inc.'s current EV/EBITDA is 7.8x. This enterprise value multiple compares the company's total value (equity + debt - cash) to its EBITDA. The historical average is 12.8x.
What is EVERTEC, Inc.'s ROE?
EVERTEC, Inc.'s return on equity (ROE) is 23.0%. This is above the typical threshold of 15-20% considered good for most companies. The historical average is 34.8%.
Is EVTC stock overvalued?
Based on historical data, EVERTEC, Inc. is trading at a P/E of 11.7x. This is at the 8th percentile of its historical P/E range. Compare with industry peers and growth rates for a complete picture.
What is EVERTEC, Inc.'s dividend yield?
EVERTEC, Inc.'s current dividend yield is 0.77% with a payout ratio of 9.0%.
What are EVERTEC, Inc.'s profit margins?
EVERTEC, Inc. has 49.7% gross margin and 20.0% operating margin. Operating margin above 20% indicates strong pricing power and cost efficiency.
How much debt does EVERTEC, Inc. have?
EVERTEC, Inc.'s Debt/EBITDA ratio is 3.7x, indicating high leverage. A ratio between 2-4x is manageable but warrants monitoring.