Last 48 quarters of trend data · Technology · Software - Infrastructure
Quarterly valuation ratios — annualised for comparability. YoY Δ shows same-quarter-prior-year change.
EVERTEC, Inc.'s quarterly P/E stands at 13.0x, down 6.7% year-over-year. EV/EBITDA has compressed 94.5% YoY to 0.5x, reflecting multiple compression or accelerating EBITDA.
| Metric | TTM | Q4 '25 | Q3 '25 | Q2 '25 | Q1 '25 | Q4 '24 | Q3 '24 | Q2 '24 | Q1 '24 | Q4 '23 | Q3 '23 | Q2 '23 | Q1 '23 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| P/E Ratio → | 12.81 | 12.99 | 16.56 | 14.54 | 18.39 | 13.92 | 22.30 | 16.96 | 41.56 | 60.21 | 61.97 | 21.41 | 18.34 |
| — | -6.7% | -25.7% | -14.3% | -55.8% | -76.9% | -64.0% | -20.8% | +126.6% | +227.2% | +1528.7% | +9.2% | -5.0% | |
| P/S Ratio | 0.00 | 0.00 | 2.40 | 2.55 | 2.61 | 2.58 | 2.59 | 2.55 | 3.22 | 3.49 | 3.53 | 3.61 | 3.46 |
| — | -100.0% | -7.4% | -0.3% | -19.2% | -26.0% | -26.7% | -29.2% | -7.0% | +5.8% | -2.0% | -12.9% | -30.2% | |
| P/B Ratio | 0.00 | 0.00 | 3.10 | 3.56 | 4.07 | 4.30 | 4.02 | 4.12 | 4.80 | 4.27 | 4.56 | 4.48 | 4.33 |
| — | -99.9% | -23.0% | -13.6% | -15.0% | +0.7% | -11.9% | -8.1% | +10.7% | -4.9% | -1.2% | -13.6% | -28.1% | |
| P/FCF | 0.01 | — | 12.11 | 20.55 | 38.78 | 9.87 | 13.69 | 9.64 | 35.16 | 25.62 | 19.04 | 9.36 | 13.44 |
| — | — | -11.6% | +113.2% | +10.3% | -61.5% | -28.1% | +3.0% | +161.6% | +78.0% | -51.2% | -22.5% | -3.7% | |
| EV / EBITDA | 1.48 | 0.54 | 10.51 | 8.69 | 9.64 | 9.78 | 9.59 | 9.23 | 12.36 | 16.47 | 10.64 | 11.25 | 10.07 |
| — | -94.5% | +9.6% | -5.9% | -22.0% | -40.6% | -9.9% | -18.0% | +22.8% | +68.1% | -21.2% | +4.6% | -17.5% | |
| EV / EBIT | 2.38 | — | 13.93 | 12.13 | 13.99 | 12.23 | 15.81 | 16.62 | 22.28 | 30.32 | 72.83 | 16.36 | 15.98 |
| — | — | -11.9% | -27.0% | -37.2% | -59.7% | -78.3% | +1.6% | +39.4% | +109.4% | +1802.2% | +8.4% | +1.6% |
Quarterly margins and returns. Watch for margin compression across consecutive quarters.
EVERTEC, Inc.'s operating margin was 21.1% in Q4 2025, up 4.6 pp QoQ and down 1.1 pp YoY. Gross margin contracted 3.6% YoY, suggesting cost inflation or competitive pricing pressure.
| Metric | TTM | Q4 '25 | Q3 '25 | Q2 '25 | Q1 '25 | Q4 '24 | Q3 '24 | Q2 '24 | Q1 '24 | Q4 '23 | Q3 '23 | Q2 '23 | Q1 '23 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Gross Margin | 50.1% | 50.1% | 33.0% | 52.1% | 49.9% | 51.9% | 51.6% | 38.5% | 33.3% | 49.3% | 40.4% | 51.8% | 52.2% |
| — | -3.6% | -36.1% | +35.3% | +49.7% | +5.3% | +27.7% | -25.8% | -36.1% | -5.4% | -15.3% | -3.5% | -8.4% | |
| Operating Margin | 21.1% | 21.1% | 16.5% | 24.4% | 21.6% | 22.2% | 19.6% | 20.5% | 16.0% | 11.2% | 22.8% | 20.8% | 25.1% |
| — | -4.8% | -15.8% | +19.5% | +35.4% | +98.5% | -14.1% | -1.7% | -36.3% | -55.8% | +39.8% | -28.4% | -18.1% | |
| Net Margin | 15.3% | 2.2% | 14.4% | 17.6% | 14.3% | 18.5% | 11.7% | 15.0% | 7.8% | 5.9% | 5.8% | 16.9% | 18.8% |
| — | -88.1% | +23.4% | +17.1% | +83.7% | +213.9% | +101.1% | -10.7% | -58.6% | -66.8% | -93.9% | -19.4% | -27.4% |
| Metric | TTM | Q4 '25 | Q3 '25 | Q2 '25 | Q1 '25 | Q4 '24 | Q3 '24 | Q2 '24 | Q1 '24 | Q4 '23 | Q3 '23 | Q2 '23 | Q1 '23 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| ROE | 61.6% | 8.8% | 4.8% | 6.5% | 5.9% | 7.5% | 4.6% | 5.9% | 2.7% | 2.0% | 1.9% | 5.4% | 6.1% |
| — | +17.6% | +4.5% | +10.1% | +120.0% | +283.9% | +146.6% | +10.3% | -55.8% | -68.3% | -93.4% | -19.5% | -24.3% | |
| ROA | 22.0% | 3.2% | 1.6% | 2.1% | 1.7% | 2.1% | 1.3% | 1.6% | 0.8% | 0.7% | 0.8% | 2.4% | 2.6% |
| — | +48.3% | +22.6% | +27.1% | +119.9% | +205.2% | +55.5% | -32.7% | -70.3% | -72.6% | -93.0% | -15.4% | -21.5% | |
| ROIC | 31.7% | 31.7% | 2.2% | 3.3% | 3.0% | 2.9% | 2.5% | 2.5% | 1.9% | 1.6% | 3.9% | 3.4% | 4.0% |
| — | +979.8% | -13.8% | +28.1% | +60.6% | +89.1% | -35.0% | -26.0% | -53.8% | -63.5% | +52.2% | -31.6% | -19.4% |
Quarterly solvency trend — watch for debt spikes or covenant pressure.
EVERTEC, Inc.'s Debt/EBITDA ratio is 3.0x, down from 16.5x last quarter — at a moderate level that warrants monitoring. The current ratio has improved 9.6% YoY to 2.07x, strengthening the short-term liquidity position.
| Metric | TTM | Q4 '25 | Q3 '25 | Q2 '25 | Q1 '25 | Q4 '24 | Q3 '24 | Q2 '24 | Q1 '24 | Q4 '23 | Q3 '23 | Q2 '23 | Q1 '23 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Debt / Equity | 1.39 | 1.39 | 1.54 | 1.44 | 1.63 | 1.86 | 1.77 | 1.85 | 1.92 | 1.55 | 0.77 | 0.77 | 0.82 |
| — | -25.3% | -13.0% | -22.1% | -15.1% | +19.9% | +129.3% | +140.3% | +133.2% | +64.9% | -25.9% | -16.9% | -15.4% | |
| Debt / EBITDA | 2.03 | 2.95 | 16.49 | 11.00 | 11.99 | 12.93 | 12.86 | 12.48 | 15.38 | 19.09 | 6.58 | 7.09 | 6.90 |
| — | -77.2% | +28.2% | -11.8% | -22.1% | -32.3% | +95.5% | +76.1% | +123.0% | +160.8% | -39.7% | -1.5% | -6.8% | |
| Current Ratio | 2.07 | 2.07 | 2.91 | 2.20 | 1.99 | 1.89 | 1.97 | 1.82 | 1.59 | 1.88 | 1.62 | 1.98 | 2.01 |
| — | +9.6% | +47.3% | +20.4% | +25.0% | +0.5% | +22.0% | -7.9% | -21.0% | +0.8% | -27.1% | -32.8% | -31.8% | |
| Quick Ratio | 2.07 | 2.07 | 2.91 | 2.20 | 1.99 | 1.89 | 1.97 | 1.82 | 1.59 | 1.88 | 1.62 | 1.98 | 2.01 |
| — | +9.6% | +47.3% | +20.4% | +25.0% | +0.5% | +22.0% | -7.9% | -21.0% | +0.8% | -27.1% | -32.8% | -31.8% | |
| Interest Coverage | — | — | 2.28 | 3.36 | 2.91 | 2.76 | 2.22 | 2.32 | 1.65 | 1.42 | 6.93 | 6.17 | 7.10 |
| — | — | — | — | — | — | — | — | — | — | — | — | — |
Includes 30+ ratios · 48 years · Updated daily
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Start ComparisonEVERTEC, Inc.'s current P/E is 12.8x. The average P/E over the last 4 quarters is 15.6x. Quarterly P/E ratios can vary due to seasonal revenue patterns and one-time charges.
EVERTEC, Inc.'s current operating margin is 21.1%. Margins have been compressing over recent quarters. Quarterly margins are particularly useful for identifying trend inflections that annual data smooths over.
Quarterly financial ratios reveal short-term trend shifts — margin compression, debt spikes, or valuation re-ratings — that annual figures smooth over. They're essential for active investors tracking EVERTEC, Inc.'s business trajectory between earnings reports.