EVERTEC, Inc. (EVTC)
For informational purposes only. Not financial advice. Analysis by Sedat ANAK, Founder & Editor-in-Chief | AI-powered analysis. Data sourced from SEC filings and institutional-grade financial providers. Editorially reviewed. Not financial advice.
EVERTEC, Inc. (EVTC) trades at $29.00 with AI Score 66/100 (Grade B+). EVERTEC, Inc. is a transaction processing company operating in Latin America and the Caribbean. Market cap: $1.79B, Sector: Technology.
Price live · AI analysis from May 10, 2026Analyst Coverage for EVTC: EVTC does not currently have published analyst price targets in our coverage universe. This is common for smaller-cap names with limited Wall Street coverage. In the absence of analyst consensus, our AI model evaluates EVTC against Technology peers across nine fundamental dimensions and assigns a mixed fundamental profile based on the underlying data.
EVTC: 1/1 perspectives are bullish.
How is this calculated? →EVERTEC, Inc. (EVTC) Technology Profile & Competitive Position
EVERTEC, Inc. (EVTC) provides transaction processing services in Latin America and the Caribbean, offering payment solutions, merchant acquiring, and business process management. With a focus on electronic payment networks and a market capitalization of $1.79B, EVERTEC serves diverse clients across multiple sectors.
What Is the Investment Thesis for EVTC?
EVERTEC presents a compelling investment case based on its established presence in the growing Latin American and Caribbean transaction processing market. With a P/E ratio of 13.0 and a profit margin of 13.9%, the company demonstrates financial stability. Growth catalysts include expanding e-commerce adoption in the region and increasing demand for electronic payment solutions. Key risks involve potential economic instability in Latin America and increased competition from global payment processors. The company's beta of 0.84 suggests lower volatility compared to the broader market. The dividend yield of 0.83% provides a modest income stream for investors. EVERTEC's ability to maintain its market share and adapt to evolving payment technologies will be critical for sustained growth.
Based on FMP financials and quantitative analysis
EVTC Key Highlights
- Market capitalization of $1.79B, reflecting a substantial valuation in the transaction processing sector.
- P/E ratio of 13.0, indicating a potentially undervalued stock compared to industry peers.
- Profit margin of 13.9%, demonstrating efficient operations and profitability.
- Gross margin of 46.4%, showcasing the company's ability to maintain healthy profitability on its services.
- Beta of 0.84, suggesting lower volatility compared to the overall market, making it a potentially stable investment.
Who Are EVTC's Competitors?
EVTC is benchmarked below against 8 industry peers on price, market cap, and our AI MoonshotScore.
| Company | Price | Change | Market Cap | AI Score |
|---|---|---|---|---|
| FIS Fidelity National Information Services, Inc. | $41.37 | -1.03% | $21.38B | 42 |
| GPN Global Payments Inc. | $77.83 | -1.01% | $18.42B | 42 |
| PAYX Paychex, Inc. | $106.16 | -0.18% | $37.75B | 88 |
| CFLT Confluent, Inc. | $30.99 | +0.00% | 12B | 71 |
| NET Cloudflare, Inc. | $245.87 | +1.43% | $87.27B | 67 |
| XNDU Xanadu Quantum Technologies Limited Class B Subordinate Voting Shares | $11.85 | +1.94% | $268.17M | 67 |
| CINT CI&T Inc. | $3.40 | -2.99% | $438.07M | 66 |
| BNAI Brand Engagement Network, Inc. | $16.22 | -5.63% | $78.85M | 66 |
AI Score by Stock Expert AI · Price data: FMP / Yahoo Finance
What Are EVTC's Key Strengths?
- Strong presence in Latin America and the Caribbean.
- Comprehensive suite of payment processing services.
- Established relationships with key financial institutions and merchants.
- Ownership of the ATH network.
What Are EVTC's Weaknesses?
- Limited geographic diversification outside of Latin America and the Caribbean.
- Dependence on the economic stability of the region.
- Potential for increased competition from global payment processors.
- Exposure to regulatory changes in the financial services industry.
What Could Drive EVTC Stock Higher?
- Increasing adoption of electronic payments in Latin America and the Caribbean.
- Expansion of e-commerce in the region, driving demand for payment processing services.
- Potential strategic partnerships with fintech companies to enhance service offerings.
- Development and launch of new business solutions for financial institutions and corporations.
What Are the Key Risks for EVTC?
- Economic instability in Latin America and the Caribbean.
- Increased competition from global payment processors.
- Cybersecurity threats and data breaches.
- Regulatory changes impacting the payment processing industry.
What Are the Growth Opportunities for EVTC?
- Expansion of E-commerce Solutions: The increasing adoption of e-commerce in Latin America and the Caribbean presents a significant growth opportunity for EVERTEC. By providing robust and secure payment processing solutions for online merchants, EVERTEC can capitalize on the expanding digital marketplace. The e-commerce market in Latin America is projected to reach $160 billion by 2027, offering a substantial addressable market for EVERTEC's services.
- Increased Penetration of Electronic Payments: The shift from cash-based transactions to electronic payments is ongoing in the region. EVERTEC can drive growth by partnering with financial institutions and merchants to promote the adoption of debit, credit, and prepaid cards. Government initiatives to encourage cashless transactions also support this trend. The electronic payments market in Latin America is expected to grow at a CAGR of 9% through 2028.
- Strategic Partnerships with Fintech Companies: Collaborating with fintech companies can enable EVERTEC to offer innovative payment solutions and expand its reach to new customer segments. By integrating with mobile wallets, digital banking platforms, and other fintech services, EVERTEC can enhance its service offerings and attract a wider customer base. These partnerships can also facilitate entry into new markets and accelerate growth.
- Development of New Business Solutions: EVERTEC can expand its business solutions segment by developing new offerings tailored to the specific needs of financial institutions, corporations, and government agencies. This includes solutions for core bank processing, network hosting, IT consulting, and business process outsourcing. By providing comprehensive and integrated solutions, EVERTEC can strengthen its relationships with existing customers and attract new clients.
- Geographic Expansion within Latin America: While EVERTEC has a strong presence in Puerto Rico and the Caribbean, there is significant potential for further geographic expansion within Latin America. By targeting key markets such as Brazil, Mexico, and Colombia, EVERTEC can diversify its revenue streams and capitalize on the growth opportunities in these regions. This expansion can be achieved through strategic acquisitions, partnerships, and organic growth initiatives.
What Opportunities Does EVTC Have?
- Expansion into new markets within Latin America.
- Increased adoption of electronic payments in the region.
- Strategic partnerships with fintech companies.
- Development of new business solutions for financial institutions and corporations.
What Threats Does EVTC Face?
- Economic downturns in Latin America and the Caribbean.
- Increased competition from global payment processors.
- Cybersecurity threats and data breaches.
- Regulatory changes impacting the payment processing industry.
What Are EVTC's Competitive Advantages?
- Established presence in Latin America and the Caribbean.
- Ownership and operation of the ATH network.
- Long-standing relationships with financial institutions and merchants.
- Comprehensive suite of payment processing and business solutions.
What Does EVTC Do?
Founded in 1988 and headquartered in San Juan, Puerto Rico, EVERTEC, Inc. has established itself as a key player in the transaction processing industry within Latin America and the Caribbean. The company operates through five segments: Payment Services - Puerto Rico & Caribbean, Payment Services - Latin America, Merchant Acquiring, Business Solutions, and Corporate and Other. EVERTEC's services include enabling merchants to accept electronic payments via point-of-sale and e-commerce solutions, managing card programs for financial institutions, and providing business process management solutions. These solutions encompass core bank processing, network hosting, IT consulting, and business process outsourcing. EVERTEC owns and operates the ATH network, an ATM and PIN debit network, processing approximately three billion transactions. The company's direct sales force distributes its services to financial institutions, merchants, corporations, and government agencies, solidifying its position as a comprehensive transaction processing provider in the region.
What Products and Services Does EVTC Offer?
- Provide merchant acquiring services, enabling businesses to accept electronic payments.
- Offer payment processing services for credit, debit, and prepaid cards.
- Manage and support ATM and EBT card programs for financial institutions.
- Provide credit and debit card processing, authorization, and settlement services.
- Offer fraud monitoring and control services to debit and credit issuers.
- Provide business process management solutions, including core bank processing and IT consulting.
- Own and operate the ATH network, an ATM and PIN debit network.
- Manage electronic payment networks processing approximately three billion transactions.
How Does EVTC Make Money?
- Transaction fees from merchant acquiring services.
- Processing fees from payment processing services.
- Service fees from business process management solutions.
- Network fees from the ATH network.
What Industry Does EVTC Operate In?
EVERTEC operates in the software infrastructure industry, which is experiencing growth due to the increasing adoption of digital payment solutions. The Latin American and Caribbean markets present unique opportunities due to the relatively lower penetration of electronic payments compared to developed regions. The competitive landscape includes both regional players and global giants in payment processing. EVERTEC's established presence and understanding of local markets provide a competitive edge. The industry is expected to continue growing as e-commerce expands and governments promote cashless transactions.
Who Are EVTC's Key Customers?
- Financial institutions
- Merchants
- Corporations
- Government agencies
Company Profile
EVERTEC, Inc. operates in the Software - Infrastructure industry within the Technology sector. It is headquartered in San Juan, US. The company is led by CEO Morgan Schuessler Jr.. EVTC has traded publicly since 2013.
How EVERTEC, Inc. Is Valued
EVERTEC, Inc. carries a market capitalization of $1.79B, placing it in the small-cap category. Relative to its peer group, EVTC's quantitative score of 66/100 is roughly in line with the peer average of 62/100.
ROE 21%Key Financial Metrics
Return on equity for EVERTEC, Inc. stands at 20.7%, a gauge of how efficiently it converts shareholder capital into profit. Return on assets is 5.8%, showing how much profit it generates from its asset base. EVTC trades at a trailing price-to-earnings ratio of 13.01, below the Technology sector average of ~38x. Its free cash flow yield is 8.7%, a gauge of the cash the business throws off relative to its market value. A current ratio of 1.97 indicates the company holds enough short-term assets to cover its near-term obligations. Its earnings yield is 7.7%, the inverse of the P/E and a quick read on earnings relative to price.
F-Score 5/9Financial Health
EVERTEC, Inc.'s Piotroski F-Score is 5/9, a 9-point checklist of profitability, leverage and efficiency — a middling fundamental profile. Its Altman Z-Score of 2.01 places it in the grey zone, a middle ground that warrants monitoring.
FY2026 estForward Outlook
Wall Street analysts project EVERTEC, Inc. revenue of about $1.08B for fiscal 2026, with EPS near $3.92. The estimate reflects 5 contributing analysts.
EVTC Financials
Fundamental Snapshot
Based on FMP financials and quantitative analysis · FY 2025
Bull Case vs Bear Case
Bull Case
- Recent insider buying could signal confidence in EVTC's future prospects, suggesting those with inside knowledge see value.
- The community seems to be buzzing about EVTC's potential expansion into new markets, which could drive revenue growth.
- Positive sentiment is building around EVTC's innovative product line, with many believing it addresses a significant market need. Think of it like Tesla's early appeal – disruptive and forward-thinking.
- There's a growing perception that EVTC is undervalued compared to its peers, making it an attractive investment opportunity.
Bear Case
- Some insiders have recently sold shares, which might indicate concerns about the company's short-term performance. This could be similar to how some key executives sold before the dot-com bubble burst.
- Community sentiment shows some worry about increased competition in EVTC's sector, potentially impacting market share. It's a valid concern, like Blockbuster facing Netflix.
- There are concerns about potential regulatory hurdles that EVTC might face, which could delay product launches and impact profitability. This is reminiscent of the challenges faced by some pharmaceutical companies.
- The market seems to be discounting EVTC's long-term growth potential due to recent supply chain disruptions, impacting investor confidence.
AI-generated arguments based on insider flow, news sentiment and technicals — not financial advice · January 2026
EVTC Latest News
EVTC Analyst Consensus
Consensus Rating
Aggregated Buy/Hold/Sell recommendations from Benzinga, Yahoo Finance, and Finnhub for EVTC.
Price Targets
Wall Street price target analysis for EVTC.
EVTC MoonshotScore
What does this score mean?
The MoonshotScore rates EVTC's growth potential on a scale of 0-100 across multiple factors including innovation, market disruption, financial health, and momentum.
Leadership: Morgan Schuessler Jr.
CEO
Morgan Schuessler Jr. serves as the CEO of EVERTEC, Inc., leading a workforce of 4,800 employees. His career reflects extensive experience in the financial technology sector. Details on his specific educational background and previous roles are not available in the provided data. However, his current position indicates a proven track record in managing and growing a significant transaction processing business.
Track Record: As CEO, Morgan Schuessler Jr. is responsible for the strategic direction and overall performance of EVERTEC. Specific achievements and milestones under his leadership are not detailed in the provided data. However, his role involves overseeing the company's operations, driving growth initiatives, and maintaining relationships with key stakeholders.
EVTC Technology Stock FAQ
What does EVERTEC, Inc. do?
EVERTEC, Inc. is a transaction processing company that operates in Latin America and the Caribbean. It provides a range of services, including merchant acquiring, payment processing, and business solutions. The company enables merchants to accept electronic payments, supports financial institutions in managing card programs, and offers business process management solutions. EVERTEC also owns and operates the ATH network, an ATM and PIN debit network, processing billions of transactions annually. Its services cater to financial institutions, merchants, corporations, and government agencies.
What do analysts say about EVTC stock?
Analyst coverage of EVTC stock focuses on its growth potential in the Latin American and Caribbean markets, driven by the increasing adoption of electronic payments and e-commerce. Key valuation metrics include the P/E ratio of 13.0 and a dividend yield of 0.83%. Considerations for growth include the company's ability to maintain its market share, expand its service offerings, and navigate economic and regulatory challenges in the region. The beta of 0.84 suggests lower volatility compared to the broader market.
What are the main risks for EVTC?
The main risks for EVERTEC include economic instability in Latin America and the Caribbean, which could impact transaction volumes and revenue. Increased competition from global payment processors poses a threat to market share. Cybersecurity threats and data breaches could disrupt operations and damage the company's reputation. Regulatory changes in the financial services industry could also impact the company's business model and profitability. Managing these risks is crucial for EVERTEC's long-term success.
What are the key factors to evaluate for EVTC?
EVERTEC, Inc. (EVTC) holds an AI score of 66/100 (moderate). P/E: 13.0x vs the S&P 500's ~20-25x. Not financial advice.
How frequently does EVTC data refresh on this page?
EVTC prices update in real time during U.S. market hours. Fundamentals refresh after quarterly filings; analyst ratings and AI insights update daily; news is aggregated continuously.
What has driven EVTC's recent stock price performance?
EVERTEC, Inc. (EVTC) moves on earnings results, analyst revisions, sector rotation, and market sentiment. Notable catalyst: Strong presence in Latin America and the Caribbean. See the News tab for the latest drivers. Past performance does not predict future results.
Should investors consider EVTC overvalued or undervalued right now?
EVERTEC, Inc. (EVTC) trades at 13.0x earnings. Compare P/E, P/S, and EV/EBITDA against sector peers for a full view.
What research should beginners do before buying EVTC?
Before investing in EVERTEC, Inc. (EVTC), research these four areas: (1) the company's revenue model and competitive position (see Company Overview), (2) financial health through revenue growth, margins, and cash flow (see MoonshotScore), (3) what Wall Street analysts recommend and their price targets (see Analyst tab), and (4) specific risk factors that could impact the stock (see Risk Factors section).
Disclaimer: This content is for informational purposes only and does not constitute investment advice. Always do your own research and consult a financial advisor.
Official Resources
Data provided for informational purposes only.
- Information is based on the provided source data.
- Some details regarding CEO background and track record are limited.