QualityDipStocks / Technology · IT services
Evertec EVTC
Outside our quality screen, so we don’t track its dips. It’s 2% below its 52-week high.
Outside our quality screen, 10% over its Market Value. No fair value estimate for now: the model’s result is too extreme to stand behind.
- Fair value est.
- n/a
- Market Value
- $29.77price +10%
- Off 52-wk high
- −2%
- Risk vs market
- Lowbeta 0.59
52-week range 94% of the way from its 52-week low to its high
Price $32.72Market Value $29.77
5 bullish · 5 bearish See why
Repriced or dip?
Near its high
The price is 2% below its 52-week high (Oct 22), but the business held up: net cash (cash minus debt) 0.0% of market cap since the high, shares outstanding unchanged, operating margin 0.0 pts.
Some numbers held up (net cash (cash minus debt) 0.0% of market cap since the high, shares outstanding unchanged, operating margin 0.0 pts), others slipped. The price is 2% below its 52-week high.
The price is 2% below its 52-week high, and the business changed too.
Within 10% of its 52-week high, so there is no dip to judge yet.
Data-based read, not advice.
Priced in
How much growth the market assumed at the 52-week high, the low and today (a reverse DCF).
At the high ($33.33, Oct 22) the price assumed about −5%/yr free-cash-flow growth; at the low ($22.34, Jun 5) about −11%; today about −6%. The last 3 years delivered 2%/yr (free cash flow).
Dashed line: what the last 3 years delivered, 2%/yr (free cash flow)
| High | Low | Now | |
|---|---|---|---|
| Price | $33.33Oct 22 | $22.34Jun 5 | $32.72 |
| Implied growth | −5% | −11% | −6% |
| P/E | 21.0× | 10.5× | 20.6× |
| P/FCF | 9.8× | 7.1× | 9.6× |
| EV/Sales | 3.1× | 2.3× | 3.0× |
What this means: the higher the implied growth, the more the price already counts on. If today's number sits well below what the business has delivered, the market expects less than its track record.
How it’s computed
Reverse DCF: the same 10-year free-cash-flow model as our fair value estimate (9.5% discount rate, growth for years 1–5 fading to 3% by year 10, 3% after), solved for the growth that makes it equal the market value at each price. For the high and the low we use only the filings that were public on that day, so nothing from a later report leaks back. Market value = that close × diluted shares. P/E = market value / 12-month net income; Price / FCF = market value / 12-month free cash flow; EV / Sales = (market value + debt − cash) / 12-month revenue. Hidden when the share count moved over 20% (split, merger), free cash flow is negative, or the company reports in another currency.
Valuation
What we estimate it's worth, and how it ranks on value vs every stock we cover.
Fair value estimate
Estimate unreliable for EVTC: the model gives 214% above the price, more than we can stand behind (usually peak-cycle cash flow, heavy debt, or cash flows that include customer or loan balances). We’d rather show nothing than a made-up number.
What the price implies To be worth today’s price, EVTC’s free cash flow would need to shrink about 6% a year for five years; our estimate uses 15%.
Risk vs market
How risk vs market is measured
One year of daily returns (Oct 31 to Nov 2, 252 sessions). Beta = how much EVTC moved for each 1% move in the S&P 500 (SPY); 1.0 moves with the market. Volatility is the yearly standard deviation of daily returns. Past behavior, not a forecast.
Moves much less than the market, but its own price swings are 3.2× the S&P 500’s (it moves on its own news).
- Beta vs S&P 500
- 0.59
- Volatility
- 40% vs 13% SPY
- Correlation SPY
- 0.19
- Correlation QQQ
- 0.06
How it ranks
Where EVTC stands vs every one of the 2,467 stocks we cover that has the number. Longer bar = better.
Top quarter on 2 of 5 measures
- Free cash flow yield10% · free cash flow vs market capTop 12%of 1,690
- Dividends + buybacks yield7.2% · cash paid out or used to retire shares, vs market capTop 14%of 2,227
- Revenue growth, last 12 months+12% · vs the 12 months beforeTop 40%of 2,184
- Operating margin18% · of sales kept as operating profitTop 29%of 1,549
- Return on invested capital8.5% · profit per dollar of capitalLowest 45%of 1,001
From SEC filings and our fair value estimate model. A ranking, not advice.
Valuation details
MV $29.77 · FCF value $61.35
Fundamentals
The business itself: sales, profits, cash and debt, from SEC filings.
Bull vs bear
Rule-based from the data on this page, strongest first. Not advice.
Top bullish points 5 of 5
ValuationFree-cash-flow yield of 10.4% (price / FCF 9.6×): $208M of free cash in the last 12 months.
ValuationP/E of 20.6× vs a 33.2× median for the 254 Technology companies we cover.
Cash returnsShare count down 5.3% in a year: $133M of buybacks over 12 months.
GrowthDiluted EPS grew 27% to $2.20 in FY2025.
GrowthSales grew 12% to $996M over the last 12 months vs the 12 months before (SEC filings).
Top bearish points 5 of 5
Balance sheetOperating income covers interest only 2.5× over the last 12 months.
Balance sheetNet debt of $1.0B, 51% of the market cap (Jun 30, 2026).
Balance sheetDebt is 2.0× shareholders’ equity.
QualityDoesn’t pass our quality screen: net debt 3.9× EBITDA (limit 3×).
ValuationTrades 9.9% above its Market Value of $29.77, the average price paid since the Aug 4 filing.
All fundamentals
P/E 20.6 · FCF yield 10.4% · ROE 16%
Valuation
- P/E
- 20.6×Technology median 33.2×
- Price / FCF
- 9.6×
- FCF yield
- 10.4%
- EV / EBITDA
- 15.0×
- Price / sales
- 2.02×
- Price / book
- 3.13×
- Market cap
- $2.0Bprice × diluted shares
- Enterprise value
- $3.0B
Growth
- Revenue, 12 months
- $996M
- Sales growth, 12 months
- +12.4%vs the 12 months before
- Sales growth, 3 yrs
- +14.6%/yrfrom FY2022
- Diluted EPS, 12 months
- $1.54
- EPS growth, last FY
- +27.2%
- Net income, 12 months
- $98M
- Net income growth
- −29%12 months vs before
Profitability
- Gross margin
- n/agross profit isn't reported (common for service and financial companies)
- Operating margin
- 17.9%
- Net margin
- 9.8%
- FCF margin
- 20.9%
- Return on equity
- 16%
- Return on invested capital
- 9%
Balance sheet
- Cash & short-term inv.
- $261M
- Total debt
- $1.3B
- Net cash
- −$1.0B
- Debt / equity
- 2.01×
- Interest coverage
- 2.5×operating income / interest
Cash flow & returns
- Free cash flow, 12 months
- $208M
- FCF growth, 12 months
- +7%
- Dividend yield
- 0.62%$13M paid
- Payout ratio
- 13%
- Buybacks, 12 months
- $133M6.6% of market cap
- Share count, 1 year
- −5.3%diluted shares vs a year ago
- Stock-based comp
- $31M
Trailing 12 months to Jun 30, 2026; balance sheet at Jun 30, 2026. From Evertec’s SEC filings. Sparklines show up to six fiscal years. n/a means we don’t hold that number, with the reason. How each is computed.
The business
FCF $0.1B · Sales +20%
- Free cash flow, 12 months$0.1B
- Free-cash-flow yield10.4%
- Free-cash-flow margin15%
- Gross margin51%
- Operating margin19%
- Return on invested capital9%
- Return on equity15%
- Sales growth (latest quarter vs year-ago quarter)+20%
- Net debt / EBITDA3.9×
Chart & levels
Where the price is vs its key levels and trends.
Key levels
Every level vs today’s $32.72
- 52-wk lowlowest close, 1 year$22.34−31.7%
- Market Valueavg paid since Aug 4$29.77−9.0%
- PriceMon Nov 2 close$32.72you are here
- 52-wk highhighest close, 1 year$33.33+1.9%
Momentum & 52-week range
RSI 64 · 5 days +5.8%
Signals
Reversal signal setups, the public ledger and the next earnings date.
Setup & signals
No setup armed
No setup armed, so there’s no trigger or stop to track yet. Reversal signal rules only run on companies that pass our quality screen.
Next report
Nov 3
- DateTue Nov 3, after the close
- Consensus EPS$0.85
- Year-ago EPS$0.82
- QuarterSep/2026
From Nasdaq’s earnings calendar. A report resets Market Value.
EVTC is outside our quality screen
One text when a published rule fires on one of the 332 quality companies we track: the ticker, the price, the stop and a link to the numbers. Nothing else.
Voices & buzz
Who is talking about it, and how it compares with peers.
Who’s talking about it
Notable investors, executives, analysts and public figures on Evertec in the last 48 hours. Headlines as published, each linked. Their words, not ours.
No notable mentions in the last 48 hours. Checked Nov 3, 5:14 PM ET.
Compare with peers
Closest in size in IT services
Information only, not investment advice. Fair value estimates and talking points are rule-based model output from public data and can be wrong; stop levels are reference points, not orders. How every number is computed.