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EVERTEC

EVTC
51
Software - Infrastructure · Technology
Price
$29.89
+0.16 (+0.54%)
Market Cap
$1.84B
Winston Score
51
Winston is curious
Mixed quality — meaningful strengths and weaknesses.
Data as of Aug 23, 2026 · filings through Jun 30, 2026
How the score breaks down
Quality
Good
Growth
Mixed
Cash Flow
Exceptional
Stability
Mixed
Valuation
Strong
Dividends
Weak
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Share count falling — buybacks

−11.6% over 4y

The company has reduced its share count over this period, returning value to shareholders through buybacks.

Diluted shares outstanding: 72.9M (2021) → 64.4M (2025)

Winston Score History

The full picture

EVERTEC is a technology company that processes payments and runs digital banking services for banks, businesses, and governments — mainly in Latin America and the Caribbean. Its core products include payment processing networks, point-of-sale systems, and software that helps financial institutions manage accounts and transactions. EVERTEC owns and operates ATH, the dominant payment network in Puerto Rico, which gives it a strong foothold in its home market.

The company earns money by charging fees each time a transaction runs through its network, plus recurring fees for software and technology services. EVERTEC operates across roughly 30 countries, with Puerto Rico as its largest market, and its deep integration into local banking infrastructure makes it difficult for customers to switch providers. The key growth driver is expanding its payment processing and digital banking software deeper into Latin America, where many consumers are still moving from cash to digital payments — though currency volatility and economic instability in the region remain ongoing risks.

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Growth Profile

When traditional metrics don't capture the full picture, these are the signals growth stock investors use instead.

Revenue Growth

+19.7% YoY

YoY Growth Rate

Steady revenue growth

EPS Growth

-85.7% YoY

YoY Growth Rate

Earnings declining

R&D Spend

$0/ year

0.0% of revenue

Below sector average (15%)

Research and development spending

Insider Activity

2.4%ownership

↑ Rising

Insiders increasing their stake — aligned with shareholders

Cash Position

Cash flow positive

$285M cash & investments

Quarterly Free Cash Flow

↑ Burn rate improving

Company generates more cash than it spends — no dilution risk from fundraising

Growth + cash flow

EVERTEC is a rare growth stock that's already generating positive cash flow while growing at 20%. The Winston Score doesn't fully credit this transition from "burner" to "earner."

The Winston Score above measures business quality today. Growth stocks often score lower because they invest in the future rather than maximising current profits. These metrics show what matters most for evaluating that future.

Score breakdown

Every number that matters to educated investors.

Each metric is explained in plain language so you know exactly what you're looking at. Start your free trial now.

Quality

Profit per sale
Gross Margin
40.2%
Healthy — 40.2% gross margin
Profit after running costs
Operating Margin
19.4%
Healthy — 19.4% operating margin
Return on the money invested
ROCE
9.3%
Below par — 9.3% return on capital

ROIC between 5% and 15%. They earn 5 to 15 cents back per year on every dollar invested.

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Growth

Sales growth
Sales YoY
+12.4%
Fast-growing sales (+12.4% YoY)
Profit growth
EPS YoY
-28.7%
Earnings shrinking (-28.7% YoY)

Earnings per share down more than 10%. Either a bad year, or a real decline.

How steady the profit is
EPS Consistency
5/8 quarters
Mixed — about half the quarters showed growth

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Cash Flow

Profit that turns into cash
Cash Conversion
237%
Turns 237% of profit into real cash
Spare cash per sale
FCF Margin
16.9%
Converts sales into free cash efficiently (16.9%)

FCF margin between 10% and 20%. Every $100 in sales becomes $10 to $20 in real cash.

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Stability

What it owes vs what it owns
Debt / Equity
2.01
Heavy debt load (2.01)
Covers its interest
Interest Cover
2.47x
Tight — interest eats into profit (2.5x)

Interest coverage between 1 and 3. Profits cover interest, but with little room to spare.

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Valuation

Price vs profit
P/E Ratio (TTM)
19.4x
Fair value — P/E 19.4

P/E in the normal range. Price is roughly $15 for every $1 of yearly profit.

Cheaper or dearer next year
P/E vs Forward
+11.1
GROWING
Earnings expected to grow meaningfully — cheaper on forward P/E (19.4 → 8.3)

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Dividends

Dividend
Dividend Yield
0.63%
Small dividend — 0.63% yield

Modest yield. The bulk of any return needs to come from price appreciation.

Dividend record
Dividend Growth
+0.0%
Dividend flat

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