EVTC31 Stock Overview

Engages in transaction processing business and financial technology in Latin America and the Caribbean. More details

EVTC31 fundamental analysis
Snowflake Score
Valuation	2/6
Future Growth	3/6
Past Performance	2/6
Financial Health	3/6
Dividends	0/6

Rewards

Trading at 26.7% below our estimate of its fair value

Earnings are forecast to grow 17.11% per year

Risk Analysis

Interest payments are not well covered by earnings

Profit margins (10.2%) are lower than last year (14.6%)

My Notes

Capture your thoughts, links and company narrative

EVERTEC, Inc. Competitors

CSU Digital

BOVESPA:CSUD3

R$628.7m

Banco do Nordeste do Brasil

BOVESPA:BNBR3

R$9.3b

B3 - Brasil Bolsa Balcão

BOVESPA:B3SA3

R$55.4b

Al Ansari Financial Services PJSC

DFM:ALANSARI

د.إ7.4b

Price History & Performance

Summary of share price highs, lows and changes for EVERTEC
Historical stock prices
Current Share Price	US$207.05
52 Week High	US$220.00
52 Week Low	US$150.00
Beta	1.16
1 Month Change	-1.40%
3 Month Change	10.82%
1 Year Change	4.07%
3 Year Change	n/a
5 Year Change	n/a
Change since IPO	26.47%

Recent updates

Shareholder Returns

	EVTC31	BR Diversified Financial	BR Market
7D	-0.4%	0.7%	-3.0%
1Y	4.1%	9.4%	-11.7%

Return vs Industry: EVTC31 underperformed the BR Diversified Financial industry which returned 9.4% over the past year.

Return vs Market: EVTC31 exceeded the BR Market which returned -11.7% over the past year.

Price Volatility

Is EVTC31's price volatile compared to industry and market?
EVTC31 volatility
EVTC31 Average Weekly Movement	4.0%
Diversified Financial Industry Average Movement	4.9%
Market Average Movement	5.1%
10% most volatile stocks in BR Market	9.5%
10% least volatile stocks in BR Market	2.8%

Stable Share Price: EVTC31 has not had significant price volatility in the past 3 months compared to the BR market.

Volatility Over Time: EVTC31's weekly volatility (4%) has been stable over the past year.

About the Company

Founded	Employees	CEO	Website
1988	5,000	Mac Schuessler	www.evertecinc.com

EVERTEC, Inc. engages in transaction processing business and financial technology in Latin America and the Caribbean. The company operates through four segments: Payment Services - Puerto Rico & Caribbean; Latin America Payments and Solutions; Merchant Acquiring; and Business Solutions. It provides 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.

EVERTEC, Inc. Fundamentals Summary

How do EVERTEC's earnings and revenue compare to its market cap?
EVTC31 fundamental statistics
Market cap	R$13.01b
Earnings (TTM)	R$511.35m
Revenue (TTM)	R$5.01b

25.4x

P/E Ratio

2.6x

P/S Ratio

Is EVTC31 overvalued?

See Fair Value and valuation analysis

Earnings & Revenue

Key profitability statistics from the latest earnings report (TTM)
EVTC31 income statement (TTM)
Revenue	US$823.71m
Cost of Revenue	US$401.03m
Gross Profit	US$422.68m
Other Expenses	US$338.64m
Earnings	US$84.04m

Last Reported Earnings

Sep 30, 2024

Next Earnings Date

n/a

Earnings per share (EPS)	1.32
Gross Margin	51.31%
Net Profit Margin	10.20%
Debt/Equity Ratio	176.5%

How did EVTC31 perform over the long term?

See historical performance and comparison

Dividends

0.6%

Current Dividend Yield

15%

Payout Ratio

Company Analysis and Financial Data Status

Data	Last Updated (UTC time)
Company Analysis	2024/12/22 11:46
End of Day Share Price	2024/12/20 00:00
Earnings	2024/09/30
Annual Earnings	2023/12/31

Data Sources

The data used in our company analysis is from S&P Global Market Intelligence LLC. The following data is used in our analysis model to generate this report. Data is normalised which can introduce a delay from the source being available.

Package	Data	Timeframe	Example US Source ^*
Company Financials	10 years	Income statement Cash flow statement Balance sheet	SEC Form 10-K SEC Form 10-Q
Analyst Consensus Estimates	+3 years	Forecast financials Analyst price targets	Analyst Research Reports Blue Matrix
Market Prices	30 years	Stock prices Dividends, Splits and Actions	ICE Market Data SEC Form S-1
Ownership	10 years	Top shareholders Insider trading	SEC Form 4 SEC Form 13D
Management	10 years	Leadership team Board of directors	SEC Form 10-K SEC Form DEF 14A
Key Developments	10 years	Company announcements	SEC Form 8-K

^* example for US securities, for non-US equivalent regulatory forms and sources are used.

Unless specified all financial data is based on a yearly period but updated quarterly. This is known as Trailing Twelve Month (TTM) or Last Twelve Month (LTM) Data. Learn more here.

Analysis Model and Snowflake

Details of the analysis model used to generate this report is available on our Github page, we also have guides on how to use our reports and tutorials on Youtube.

Learn about the world class team who designed and built the Simply Wall St analysis model.

Industry and Sector Metrics

Our industry and section metrics are calculated every 6 hours by Simply Wall St, details of our process are available on .

Analyst Sources

EVERTEC, Inc. is covered by 15 analysts. 6 of those analysts submitted the estimates of revenue or earnings used as inputs to our report. Analysts submissions are updated throughout the day.

Analyst	Institution
David Ridley-Lane	BofA Global Research
John Williams	Compass Point Research & Trading, LLC
Bryan Keane	Deutsche Bank