Evertec Inc (EVTC) fair value: what the stock is really worth
As of Nov 6, 2026: fair value (intrinsic value) of Evertec Inc stock $35.15, price $33.55, upside +4.8%, quality 54 out of 100. Rating: fairly valued. Calculated from audited financials with 11 of our 26 valuation models and 37 quality factors, updated daily.
69 individual criteria per stock, every one traceableSee the method →
Price vs Fair Value
White line = price, green steps = our fair value per fiscal year. As of Nov 6, 2026.
How to read this chart
60‑month range $22.30 – $49.28 · fair‑value band $19.24 – $55.95 · the $33.55 price screens below the $35.15 fair value. Green steps = our fair value per fiscal year (point-in-time, no hindsight). As of Nov 6, 2026.
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EVERTEC, Inc. provides transaction processing and financial technology services in Latin America, Puerto Rico, and the Caribbean. It operates through four segments: Payment Services - Puerto Rico & Caribbean; Latin America Payments and Solutions; Merchant Acquiring; and Business Solutions.
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The company offers 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.
It also provides 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.
In addition, the company offers business process management solutions comprising core bank processing, network hosting, managed services and managed security services, IT professional services, business process outsourcing, item processing, cash processing, and fulfillment.
Further, it owns and operates the ATH network, a personal identification number debit network. The company processes approximately ten billion transactions annually through a system of electronic payment networks. It sells and distributes its services primarily through direct sales force.
The company serves financial institutions, merchants, corporations, and government agencies. EVERTEC, Inc. was founded in 1988 and is headquartered in San Juan, Puerto Rico.
Stock analysis
Evertec Inc (EVTC) currently trades at $33.55, while our model-based Fair Value estimate is $35.15, so the stock looks roughly fairly valued today (gap 4.6%).
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Valuation
Bull case: the Earnings-Based group reads highest at a median of $45.21 per share, and 4 of the 11 models we run sit above the $33.55 price.
Bear case: the Dividend Discount group reads lowest at $3.79, and 7 of the 11 models stay below the price. Data coverage for this calculation is high.
Scenario range: $19.24 (bear) to $55.95 (bull), the price of $33.55 sits inside it. Bear and bull are the same models on cautious and optimistic assumptions, a range, not a price target.
Quality & growth
The Quality Score stands at 54/100 (solid quality), in the Technology sector.
Healthy Growth: Revenue growth appears healthy and is supported by profitability and cash-flow quality.
Evertec Inc reported revenue of $932M in FY2025 versus $590M in FY2021, a compound +12.1%/yr. Reported net income was $142M in FY2025, compounding −3.2%/yr from FY2021.
Key figures
Market cap $2.1B Mid · P/E ratio 22.1 · P/S ratio 1.96 · EPS (TTM) $1.52 · Dividend yield 0.6% · Net margin 9.0% · Return on equity 13.9% · Return on assets (EBIT) 11.0% (5-year average).
Competitive moat
Our AI-assisted moat analysis scores the competitive advantage at 59 out of 100 (medium confidence).
What moves the price
The share trades about 3% below its 52-week high and 50% above its 52-week low, currently above its 200-day average.
For context, the median of 10 Technology peers we cover trades at −11% fair-value upside, at 5%, EVTC screens cheaper than that median.
Fair Value models
Bear$19.24Fair Value $35.15Bull$55.95
Price $33.55 · Upside +4.8%
Model ⓘEach model values the company its own way (discounted cash flow, earnings, assets, dividends). The fair value above starts from their evidence-weighted blend, not from a single model. In cyclical trough or peak years, after dilution or a stock split it is adjusted afterwards, so it can sit above or below the models. Based on fiscal year 2025 figures (about 10 months old). Earnings retained since then ($1.13 per share) are deliberately not added.Bear ⓘBear = the cautious scenario: the same model computed with conservative anchors (lower growth, margins and valuation multiples). Together with Bull it frames a plausible valuation range, not a price target.BaseBull ⓘBull = the optimistic scenario: the same model computed with favourable anchors (higher growth, margins and valuation multiples). Together with Bear it frames a plausible valuation range, not a price target. If a model's bull case is above four times its base value, the table shows that limit with a > sign (like the overall Bull above): beyond it no assumption holds.Coverage ⓘCoverage = how well-backed THIS model's estimate is for this stock (0–100): how complete and reliable its input data are, and how well the model fits the company. The final Fair Value is an evidence-weighted blend, so better-evidenced models count more. Green ≥70, amber 50–69, grey below 50.
In the last 6 months, 2 officers or directors bought shares worth $918,827, most recently on Jun 12, 2026. Over the same period, 4 people sold shares worth $6.6M. Buying cluster
SaleMorgan M SchuesslerPresident & CEO, Director145,000 shares at $34.77$5.0MNov 4, 2026
SaleAldo J. PolakDirector4× since Aug 11, 2026: 4,094 shares, avg. $29.95$122,615Sep 3, 2026
SalePaola Perez-SurilloExecutive Vice President17,486 shares at $31.56$551,858Aug 14, 2026
SaleDiego VigliancoEVP & CIO27,570 shares at $30.32$835,922Aug 12, 2026
BuyBrian John SmithDirector16,202 shares at $26.42$428,057Jun 12, 2026
BuyMiguel VizcarrondoExecutive Vice President21,000 shares at $23.37$490,770May 11, 2026
BuyFrank G. D'AngeloDirector20,000 shares at $23.40$468,000May 8, 2026
BuyJoaquin A. Castrillo-SalgadoSenior EVP & COO20,000 shares at $22.74$454,706May 8, 2026
BuyLuis A Rodriguez-GonzalezGeneral Counsel & EVP17,000 shares at $24.10$409,700May 7, 2026
Plus 10 other filings such as grants, option exercises or tax withholding. They are not market purchases or sales.
Sales are often planned (taxes, diversification, 10b5-1 plans). Purchases with their own money are seen as the stronger sign. For information only: not part of the quality score or Fair Value.
Growth Quality ⓘGrowth is valuable only when reinvestment earns attractive returns (Aswath Damodaran): sustainable growth depends on return on capital, reinvestment and efficiency. Basis: total company revenue over the periods shown on the cards (3Y/5Y/all years), not per share, so a merger can show up as a growth jump; per-share earnings growth is in the value-creation card.93/100
Revenue growth appears healthy and is supported by profitability and cash-flow quality.
Revenue growth 1 year
+10.2%
Revenue growth 3 years ⓘMeasures the company's TOTAL revenue from reported annual statements: compound average growth per year (CAGR) from the fiscal year 3, 5 or N years back to the most recent comparable fiscal year. Not per share: buybacks do not change this number, and a merger can appear as a growth jump. Per-share growth (which does include buybacks) is in the value-creation card.
+14.6%
Revenue growth 5 years ⓘMeasures the company's TOTAL revenue from reported annual statements: compound average growth per year (CAGR) from the fiscal year 3, 5 or N years back to the most recent comparable fiscal year. Not per share: buybacks do not change this number, and a merger can appear as a growth jump. Per-share growth (which does include buybacks) is in the value-creation card.
+12.8%
Start year 2020 (pandemic). Over 10 years: +9.6% a year
Revenue growth 14 years ⓘMeasures the company's TOTAL revenue from reported annual statements: compound average growth per year (CAGR) from the fiscal year 3, 5 or N years back to the most recent comparable fiscal year. Not per share: buybacks do not change this number, and a merger can appear as a growth jump. Per-share growth (which does include buybacks) is in the value-creation card.
+7.9%
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What shareholders gained per year (last 5 years) ⓘWhat the business itself delivers per year: earnings growth per share plus the dividend yield. This is what you get IF the market keeps valuing the stock the same way: it contains no assumption about the market changing its mind. Computed per share, so buybacks count and a merger does not pass as growth. For a company that pays no dividend it is pure earnings growth per share. Period: earnings growth per share as CAGR over the last 5 reported fiscal years (annual statements), plus the current dividend yield. The start value is the median of the three years around the start, so a single crisis year (a pandemic or a write-down) does not distort the rate.
+9.6%
Earnings growth per share plus dividend.
Earnings per share, growth per year+9.0%
Dividend (yield on the price)0.6%
Pace: 5 vs 10 years ⓘTwo data points, not a trend model: earnings growth per share over the last 5 fiscal years against the last 10. Labelled "steady" when both rates are within 3 percentage points of each other, otherwise picking up or flattening. Shown only when ten years of history exist.9.0% vs 8.6%, steady
Profit margin 2020 to 2025 ⓘOperating margin then vs now, from reported annual statements. A falling margin after a boom year is the classic peak-earnings signal: the growth rate then leans on an inflated base.28% → 20%
Pace: the 5-year rate starts in 2020 (pandemic)
Growth Forecast
Price in line with expectations
The price assumes less growth than the company has delivered so far and about what analysts expect.
What the price assumes ⓘThis turns our valuation around: instead of asking what the share is worth, it asks what growth the current price requires. It uses the cash the company keeps after all spending (free cash flow), the same discount rate as our models, five years of growth, then slowing evenly to 2 % a year by year ten. Compared with the analysts' sales forecasts extended to the same five years (at least three analysts, for context only, it does not enter the Fair Value): within 3 percentage points counts as "in line" (amber), below that little optimism (green), above that a lot of optimism (red).
+8.6%
Yearly growth needed for the next five years to justify today's price.
What forecasts expect ⓘAnalysts publish sales forecasts for the next two fiscal years. For the years after that, growth slows evenly to 2 % a year by year ten (2 % is the long-run rate our models use). Projected years are marked as such.
+9.1%
Yearly sales growth analysts expect, extended to five years.
After inflation (USA: IMF forecast 2.4% a year to 2030, 3.1% from 2016 to 2025) that is about +6.1% a year for the price and +6.5% for the forecasts.
News mood ⓘNews mood, the average tone of recent news (94 articles), rated against how stocks are usually covered. 🚀 Hype = unusually upbeat · 🙂 Positive = above average · 😐 Neutral = typical · 🙁 Negative = below average · 😨 Very negative = unusually downbeat. It reflects the tone of coverage, not our valuation.Hype
Recent news coverage is unusually upbeat, far more positive than stocks are typically covered.
Price, fair value, quality and upside side by side.
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Peer GroupⓘHow this stock ranks against its industry: the green marker is this stock, the band is the typical 25–75% peer range, and the tick is the median.Software - Infrastructure · 345 stocks
Beats the industry median on 11/14 measures
Overall it ranks above its industry peers.
Valuation
Quality Score54 · Above median
Fair Value upside+4.8% · Above median
Profitability
Return on equity (12 months)13.9% · Above median
Return on assets6.3% · Above median
Net margin (12 months)9.0% · Above median
Operating margin (12 months)17.9% · Top 25%
Growth and dividend
Revenue growth (quarter YoY)23.8% · Above median
Dividend yield (12 months)0.6% · Below median
Balance sheet
Debt / equity1.70× · Highest 25%
Valuation Multiplesvs Software - Infrastructure median · lower = cheaper
P/E (12 months)22.1× · Cheaper than median
P/B3.32× · book value is mostly goodwill ⓘGoodwill and other intangible assets are larger than the equity. The book value mainly reflects prices paid for past acquisitions, so we do not rank this P/B against the peer group.
P/S (12 months)1.96× · Cheaper than median
Price / free cash flow (fiscal year)15.2× · Cheaper than median
For bloggers, editors and developers: paste this into your site or blog (a “Custom HTML” block in WordPress), it shows the current fair value and links back here. Free, plain HTML, and welcome. Full data streams (CSV/JSON) at /developers.
Cite: Fair Value Calculator (2026). "Evertec Inc Fair Value". https://www.fairvalue-calculator.com/stock/EVTC
Frequently asked questions
Is Evertec Inc (EVTC) overvalued or undervalued?
As of Nov 6, 2026, our model estimates a fair value of $35.15 versus a price of $33.55, about +5% upside (fairly valued).
What is the fair value of EVTC?
Our model-based fair value for Evertec Inc is $35.15 (as of Nov 6, 2026), built from audited fundamentals. The current price: $33.55.
What is the quality score of EVTC?
Evertec Inc has a Quality Score of 54/100. It measures business quality (profitability, growth, cash flow, balance-sheet strength, investment discipline, share issuance). Market factors such as price momentum and volatility do not enter the number; they are shown separately in the detail view.
What is the price target for Evertec Inc (EVTC)?
Our model-based price target is the fair value of $35.15 (as of Nov 6, 2026) from 11 valuation models. Cautious scenario $19.24, optimistic scenario $55.95. It is a calculation from audited fundamentals, not an analyst target.
What is the Evertec Inc stock forecast for 2026?
Our models put fair value at $35.15, about +5% upside versus a price of $33.55 (fairly valued). Cautious scenario $19.24, optimistic scenario $55.95. The calculation is refreshed regularly with new filings.
What is the revenue of Evertec Inc (EVTC)?
Evertec Inc reported trailing-twelve-month revenue of about $1.1B (latest available figure, as of Nov 6, 2026).
Does Evertec Inc pay a dividend?
Evertec Inc currently shows a dividend yield of 0.60% relative to its recent price (as of Nov 6, 2026).
How much is the dividend of Evertec Inc (EVTC) and when is the ex-dividend date?
Evertec Inc pays a dividend of $0.2 per share a year, a dividend yield of 0.6%. The next ex-dividend date is Nov 9, 2026, with payment on Dec 4, 2026. A dividend has been paid every year since at least 2013. The payout ratio is 13.2% of earnings. Free cash flow covers the dividend 11.43 times. Our assessment: Well covered. A low payout and the dividend is fully funded by free cash flow, a comfortable, sustainable dividend.
What growth is priced into Evertec Inc (EVTC)?
For today's price to be fair in a discounted-cash-flow model, Evertec Inc would have to grow free cash flow by +8.6 % per year for five years (discount rate 9.0 %, then slowing evenly to 2 % perpetual growth by year ten). Over the last 5 years revenue grew +12.8 % per year. As of Nov 6, 2026.
What discount rate (WACC) does the fair value of EVTC use?
Our models discount Evertec Inc at 9.0 %: a base by market capitalisation (mid), damped by beta 0.71, country premium for USA. The same rate applies in all 26 models.
What is a reverse DCF?
A reverse DCF turns the usual calculation around. Instead of deriving a value from assumptions, it takes today's price as given and asks: what free-cash-flow growth would a company have to deliver for exactly this price to be fair? The result is not a forecast but the expectation already priced in. For Evertec Inc that is +8.6 % per year for five years, then slowing evenly to 2 % by year ten, using the same discount rate (9.0 %) and the same formula as our fair value.
How much growth has Evertec Inc (EVTC) delivered so far?
Over the past 5 years revenue at Evertec Inc grew +12.8 % a year. The price currently implies free-cash-flow growth of +8.6 % per year. Comparing the two shows how much confidence is in the price: if it demands more than has been delivered, the business has to accelerate for the maths to work.
How fast is the sector of Evertec Inc (EVTC) growing?
The median revenue growth in the sector is +9.2 % a year. That is the yardstick for the growth priced into Evertec Inc (+8.6 % per year): it shows whether the expectation is within the usual range or beyond it.
What is the free cash flow yield of Evertec Inc (EVTC)?
The free-cash-flow yield on the price is 6.57 %: that much free cash flow Evertec Inc produces per unit of market value. When it exceeds the discount rate of our models (9.0 %), the business already earns more than its cost of capital demands, and the price needs little additional growth.
What is the intrinsic value of Evertec Inc (EVTC)?
Intrinsic value and fair value mean the same thing: what the business is worth on its numbers, independent of the share price. For Evertec Inc it is $35.15 per share (as of Nov 6, 2026), against a price of $33.55. It is the blended result of 11 valuation models in 6 families (DCF Models, Earnings-Based, Dividend Discount, Multiples, Growth DCF, Economic Profit).
Is Evertec Inc stock overvalued or undervalued in 2026?
As of Nov 6, 2026, EVTC trades below its calculated fair value: price $33.55, fair value $35.15, a gap of about +5% (fairly valued). The calculation is refreshed with each new quarterly report, so the verdict can change during the year.
Is fair value the same as the market price of EVTC?
No. The price is what the market pays today ($33.55); the fair value is what the company's own numbers justify ($35.15). For Evertec Inc the two are $1.60 per share apart. That gap is exactly why we show both numbers side by side.
How much is Evertec Inc worth?
The market values Evertec Inc at about $2.1B (market capitalisation, as of Nov 6, 2026). Per share that is $33.55; our models calculate a fair value of $35.15 per share.
What do the bullish and bearish scenarios say about EVTC?
Our models span a range for Evertec Inc: cautious scenario $19.24, base $35.15, optimistic $55.95 per share (as of Nov 6, 2026, price $33.55). The range comes from different growth and margin assumptions, not from analyst opinions.
What is the P/E ratio of EVTC?
Evertec Inc trades at a price-to-earnings ratio of 22.1 (as of Nov 6, 2026). A P/E on its own says little: it compares the price with ONE year of profit, while our fair value of $35.15 is built from several models across several years. Median P/E at fiscal year-end, 10 fiscal years (2016 to 2025), reported earnings, FY2022, FY2023 ex one-offs: 22.2. Other multiples: PEG 2.1, P/B 3.3, P/S 2.0, EV/EBITDA 9.3.
What is the PEG ratio of EVTC?
The PEG ratio of Evertec Inc is 2.14 (P/E divided by earnings growth, as of Nov 6, 2026). That is above 1, so the growth is already paid for in the price.
How solid is the balance sheet of Evertec Inc (EVTC)?
Balance-sheet figures for Evertec Inc (as of Nov 6, 2026): return on equity 13.9%, debt of 1.70 per unit of equity. They feed the Quality Score of 54/100, which measures business quality independently of the share price.
How far is EVTC from its 52-week high?
Evertec Inc trades at $33.55, about 3% below its 52-week high of $34.73 and 50% above the low of $22.30 (as of Nov 6, 2026). Distance from the high says nothing about value: that is what the fair value of $35.15 is for.
Which stocks are comparable to Evertec Inc?
From the same area (Technology) we also value Microsoft Corporation, Oracle Corporation, Palantir Technologies Inc, Palo Alto Networks, Inc, among others. Each of them has its own fair-value calculation on this site using the same models, so the comparison is like for like.
Is Evertec Inc stock attractive at the current price?
The data as of Nov 6, 2026: price $33.55, calculated fair value $35.15 (+5%), Quality Score 54/100, from 11 models. Whether that fits your horizon and risk tolerance is your call. We provide the calculation, not investment advice.
How is the fair value of EVTC calculated?
We run Evertec Inc through 11 models from 6 families: DCF Models, Earnings-Based, Dividend Discount, Multiples, Growth DCF, Economic Profit. Every model gets the same audited fundamentals; the fair value of $35.15 builds on their evidence-weighted average, with the spread shown as a cautious and an optimistic scenario.
Is it still worth investing in stocks now?
The global stock market currently sits 13.0% above its aggregate fair value. Evertec Inc currently trades 5% below its own fair value, and the market average says nothing about that. An expensive market is no reason to stay out and no reason to buy everything at once: keep a broad savings plan running, buy single stocks only with money you can do without, and hold part of your money liquid while the market is high. The full picture including sectors is on is it worth investing now.
What is the share price of Evertec Inc (EVTC)?
The closing price on Nov 6, 2026 was $33.55. Our model-based fair value is $35.15, about +5% upside (fairly valued). We carry closing prices from our data provider, not a live tick.
What should I pay attention to with Evertec Inc right now?
The model range is unusually wide ($19.24 to $55.95). The outcome hinges heavily on assumptions, so read the point estimate with caution. The price sits close to our fair value, market and models broadly agree here, little valuation tension.
Where does the earnings growth of Evertec Inc (EVTC) come from?
Earnings per share at Evertec Inc grew +6.8 % a year from 2014 to 2025. Broken into its drivers: revenue per share +11.2 %, EBIT margin −3.6 %, tax rate +0.5 %, residual (interest, one-offs) −0.8 %. The four rates multiply to the earnings growth rate, they do not add up. Start and end are three-year averages so a single exceptional year does not distort the result.
Key figures of Evertec Inc
How large is the market capitalisation of Evertec Inc (EVTC)?
The market capitalisation of Evertec Inc is $2.1B. The stock-market value of the whole company: share price times number of shares. It is what the market asks for the entire business today.
What is the P/S ratio of Evertec Inc (EVTC)?
The price-to-sales ratio of Evertec Inc is 1.96 (last twelve months). Price to sales: market value relative to yearly revenue. Useful when profit is thin or distorted.
What are the earnings per share of Evertec Inc (EVTC)?
Earnings per share at Evertec Inc are $1.52 (price ÷ EPS = P/E 22.1). Earnings per share over the last twelve months: total profit spread across every single share.
What is the dividend yield of Evertec Inc (EVTC)?
The dividend yield of Evertec Inc is 0.6% (payout 13.2%). Yearly dividend relative to the share price. 3% pays 3 per 100 invested. Below: how much of profit is used for it.
What is the net margin of Evertec Inc (EVTC)?
The net margin of Evertec Inc is 9.0% (last twelve months). How much of every unit of revenue ends up as profit. 10% means 10 cents of profit per dollar of sales.
What is the return on equity of Evertec Inc (EVTC)?
The return on equity (ROE) of Evertec Inc is 13.9% (last twelve months). Profit relative to shareholders' equity, how efficiently the company works with its owners' money.
What is the EBIT return on assets of Evertec Inc (EVTC)?
On an EBIT basis the return on assets of Evertec Inc is 11.0% (avg 5y). Operating profit (EBIT) relative to everything the company owns, as a multi-year average. It describes the business model rather than one good or bad year.
What is the operating margin of Evertec Inc (EVTC)?
The operating margin of Evertec Inc is 17.9% (last twelve months). Profit from the core business (before interest and taxes) relative to revenue.
How fast is revenue growing at Evertec Inc (EVTC)?
Revenue at Evertec Inc is growing +23.8% versus a year earlier (3y avg +14.6%). How much revenue grew versus a year earlier (YoY). The 3-year average next to it puts the single year in context.
How fast are earnings growing at Evertec Inc (EVTC)?
Earnings per share at Evertec Inc are growing −3.9% versus a year earlier. How much earnings per share grew versus a year earlier.
How much net debt does Evertec Inc (EVTC) carry?
The net debt of Evertec Inc is $824M (fiscal year 2025, ≈ 6.1 yrs of FCF). Debt minus cash on hand. The note shows how many years of free cash flow could in theory pay it off.
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Broad data
Nov 6, 2026