EVERTEC INC DR1 (EVTC31) fair value: what the stock is really worth
As of Sep 23, 2026: fair value of EVERTEC INC DR1 BRL 250, price BRL 142, upside +76.0%, quality 57 out of 100. Calculated from audited financials with 26 valuation models and 37 quality factors, updated daily.
- Fair value above price? Yes
- Good quality? Yes
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EVERTEC INC DR1
EVTC31 · SAClearly undervaluedStrong Fair Value upside, but quality is only moderate.
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Price vs Fair Value
White line = price, green steps = our fair value per fiscal year, dashed = 300-day average. As of Sep 24, 2026.
How to read this chart
35‑month range R$111.66 – R$215.08 · fair‑value band R$117.61 – R$398.01 · the R$141.82 price screens below the R$249.59 fair value. Dashed = 300-day average. As of Sep 24, 2026.
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Company profile
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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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. 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 DR1 (EVTC31) currently trades at R$141.82, while our model-based Fair Value estimate is R$249.59, implying the stock looks roughly 43.2% undervalued today.
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Valuation
Bull case: the DCF Models group reads highest at a median of R$60.38 per share, and 0 of the 26 models we run sit above the R$141.82 price.
Bear case: the Earnings-Based group reads lowest at R$29.78, and 26 of the 26 models stay below the price. Evidence for this calculation is high.
Scenario range: R$117.61 (bear) to R$398.01 (bull), the price of R$141.82 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 57/100 (solid quality), in the Technology sector.
Mixed Growth: Revenue is growing, but margins or cash flow do not fully confirm the trend.
EVERTEC INC DR1 reported revenue of $932M in FY2025 versus $618M in FY2022, a compound +14.6%/yr. Reported net income was $142M in FY2025, compounding −16.0%/yr from FY2022.
Key figures
Market cap R$9.6B (≈ $1.9B) · P/E ratio 13.2 · P/S ratio 2.00 · EPS (TTM) R$10.77 · Dividend yield 0.1% · Net margin 15.2% · Return on equity 20.2% · Return on assets (EBIT) 12.4%.
Competitive moat
Our AI-assisted moat analysis scores the competitive advantage at 50 out of 100 (low confidence).
What moves the price
The share trades about 22% below its 52-week high and 27% above its 52-week low, currently below its 200-day average.
For context, the median of 10 Technology peers we cover trades at −19% fair-value upside, at 76%, EVTC31 screens cheaper than that median.
Fair Value models
All 26 models by family
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Set up alert →Quality Score breakdown
Of which business quality 56 · Market factors (momentum, volatility) 38
Revenue & earnings trend
Growth Forecast
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Compare EVERTEC INC DR1 with another stock
Price, fair value, quality and upside side by side.
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 · 372 stocks
Valuation Multiplesvs Software - Infrastructure median · lower = cheaper
Strength profile in five axes (Snowflake)
Context: sector, industry, market
- Is the Information Technology sector expensive or cheap?
- P/E, EV/EBITDA and margins by industry (reference tables)
Values & ESG
Does this company touch areas you may want to avoid? The classification is inferred from sector and industry.
Similar stocks
10 more Software - Infrastructure stocks, each showing price versus our Fair Value estimate.
| Stock | Price | Fair Value | vs Fair Value |
|---|---|---|---|
| Microsoft Corporation MSFT | $498.00 | $547.80 | +10% |
| Oracle Corporation ORCL | $149.20 | $117.84 | −21% |
| Palantir Technologies Inc PLTR | $184.99 | $43.02 | −77% |
| Palo Alto Networks, Inc PANW | $374.57 | $114.50 | −69% |
| CrowdStrike Holdings CRWD | $250.06 | $35.15 | −86% |
| Fortinet, Inc FTNT | $174.26 | $164.92 | −5% |
| Synopsys, Inc SNPS | $409.24 | $250.04 | −39% |
| Block, Inc XYZ | $77.53 | $101.29 | +31% |
| CoreWeave, Inc CRWV | $86.76 | $71.79 | −17% |
| NetApp, Inc NTAP | $192.91 | $157.18 | −19% |
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Key figures of EVERTEC INC DR1
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