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Upturn AI SWOT - About
EVTC 
Evertec Inc (EVTC)
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Upturn Advisory Summary
08/14/2025: EVTC (1-star) is currently NOT-A-BUY. Pass it for now.
Upturn Star Rating
Not Recommended Performance
These Stocks/ETFs, based on Upturn Advisory, consistently fall short of market performance, signaling caution before investing.
Number of Analysts
5 Analysts rated it
Limited analyst coverage, niche firm, research info may be scarce.
1 Year Target Price $38.6
1 Year Target Price $38.6
| 1 | Strong Buy |
| 2 | Buy |
| 2 | Hold |
| 0 | Sell |
| 0 | Strong Sell |
Analysis of Past Performance
Type Stock | Historic Profit -19.28% | Avg. Invested days 38 | Today’s Advisory PASS |
Upturn Star Rating | Upturn Advisory Performance  2.0 | Stock Returns Performance  1.0 |
| Profits based on simulation | Last Close 08/14/2025 |
Key Highlights
Company Size Mid-Cap Stock | Market Capitalization 2.35B USD | Price to earnings Ratio 17.25 | 1Y Target Price 38.6 |
Price to earnings Ratio 17.25 | 1Y Target Price 38.6 | ||
Volume (30-day avg) 5 | Beta 0.96 | 52 Weeks Range 30.93 - 38.50 | Updated Date 08/15/2025 |
52 Weeks Range 30.93 - 38.50 | Updated Date 08/15/2025 | ||
Dividends yield (FY) 0.54% | Basic EPS (TTM) 2.13 |
Analyzing Revenue: Products, Geography and Growth
Revenue by Products
Product revenue - Year on Year
Revenue by Geography
Geography revenue - Year on Year
Earnings Date
Report Date 2025-07-30 | When - | Estimate 0.85 | Actual 0.89 |
Profitability
Profit Margin 15.56% | Operating Margin (TTM) 24.45% |
Management Effectiveness
Return on Assets (TTM) 6.33% | Return on Equity (TTM) 23.67% |
Valuation
Trailing PE 17.25 | Forward PE - | Enterprise Value 3009428683 | Price to Sales(TTM) 2.65 |
Enterprise Value 3009428683 | Price to Sales(TTM) 2.65 | ||
Enterprise Value to Revenue 3.39 | Enterprise Value to EBITDA 8.89 | Shares Outstanding 63982000 | Shares Floating 63486784 |
Shares Outstanding 63982000 | Shares Floating 63486784 | ||
Percent Insiders 0.83 | Percent Institutions 102.51 |
Upturn AI SWOT
Evertec Inc
Company Overview
History and Background
Evertec, Inc. (EVTC) was founded in 2004 as a spin-off from Popular, Inc., a leading financial institution in Puerto Rico. It has grown to become a major payment processing and technology solutions provider in Latin America and the Caribbean. The company has expanded through organic growth and strategic acquisitions, enhancing its service offerings and geographic reach.
Core Business Areas
- Payment Processing: Offers merchant acquiring, payment network processing, and payment technology solutions for businesses and financial institutions.
- Business Solutions: Provides core banking, cash management, and IT outsourcing services to financial institutions, as well as business process management (BPM) solutions.
Leadership and Structure
Evertec is led by a Chief Executive Officer and a senior management team. The company operates with a functional organizational structure to support its core business segments.
Top Products and Market Share
Key Offerings
- ATH Network: ATH is a debit network and ATM network primarily operating in Puerto Rico and the Caribbean. Evertec claims to be the largest debit network in the region. Competitors include Visa and Mastercard debit networks.
- Merchant Acquiring Services: Evertec provides merchant acquiring services, enabling businesses to accept electronic payments. They compete with Global Payments (GPN), Fiserv (FI), and Block (SQ).
Market Dynamics
Industry Overview
The payment processing industry is experiencing growth, driven by increasing adoption of electronic payments, e-commerce expansion, and technological innovation. The market is competitive, with many vendors providing various payment solutions.
Positioning
Evertec holds a strong market position in Latin America and the Caribbean, particularly in Puerto Rico. The company's competitive advantages include its regional expertise, established relationships with financial institutions, and diversified service offerings.
Total Addressable Market (TAM)
The global payment processing solutions market is projected to reach several trillion USD. Evertec is positioned to capture a portion of the Latin American and Caribbean market within this TAM.
Upturn SWOT Analysis
Strengths
- Strong market position in Latin America and the Caribbean
- Diversified revenue streams
- Established relationships with financial institutions
- Proprietary ATH network
Weaknesses
- Geographic concentration (heavy reliance on Puerto Rico)
- Exposure to economic and political instability in the region
- Smaller scale compared to global payment processors
Opportunities
- Expanding into new markets in Latin America
- Developing new payment solutions for the digital economy
- Acquiring complementary businesses
- Increase the adoption of new technological offerings.
Threats
- Increased competition from global payment processors
- Regulatory changes impacting the payment industry
- Cybersecurity risks
- Economic downturn in the region
Competitors and Market Share
Key Competitors
- FIS (FIS)
- Global Payments (GPN)
- Fiserv (FI)
- Block (SQ)
Competitive Landscape
Evertec faces competition from larger global payment processors and local players. Its advantages include regional expertise and established relationships. Disadvantages include smaller scale and geographic concentration.
Major Acquisitions
Search Results Limited
- Year: 2019
- Acquisition Price (USD millions): 68
- Strategic Rationale: Acuired certain payment assets and related services of Popular, Inc.
Growth Trajectory and Initiatives
Historical Growth: Evertec has achieved growth through organic expansion and strategic acquisitions.
Future Projections: Analyst estimates suggest continued growth, driven by the adoption of electronic payments in Latin America and the Caribbean.
Recent Initiatives: Recent initiatives include expanding service offerings and investing in technology infrastructure.
Summary
Evertec is a strong player in the Latin American and Caribbean payment processing market, leveraging its regional expertise and established relationships. The company's ATH network and merchant acquiring services are key revenue drivers. However, its geographic concentration and smaller scale compared to global competitors present challenges. Continued expansion and diversification are crucial for future growth.
Peer Comparison
Sources and Disclaimers
Data Sources:
- Company SEC Filings (10-K, 10-Q)
- Evertec Investor Relations
- Third-party financial data providers
- Industry Reports
Disclaimers:
The information provided is for informational purposes only and should not be considered financial advice. Investment decisions should be based on individual circumstances and consultation with a financial advisor. Market data and projections are subject to change.
AI Summarization is directionally correct and might not be accurate.
Summarized information shown could be a few years old and not current.
Fundamental Rating based on AI could be based on old data.
AI-generated summaries may have inaccuracies (hallucinations). Please verify the information before taking action.
About Evertec Inc
Exchange NYSE | Headquaters San Juan, PR, United States | ||
IPO Launch date 2013-04-12 | President, CEO & Director Mr. Morgan M. Schuessler Jr. | ||
Sector Technology | Industry Software - Infrastructure | Full time employees 4800 | Website https://www.evertecinc.com |
Full time employees 4800 | Website https://www.evertecinc.com | ||
EVERTEC, Inc. provides transaction processing and financial technology services in Latin America, Puerto Rico, and the Caribbean. The company 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, it 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, the company owns and operates the ATH network, a personal identification number debit network. It processes approximately ten billion transactions annually through a system of electronic payment networks. The company sells and distributes its services primarily through direct sales force. It serves financial institutions, merchants, corporations, and government agencies. EVERTEC, Inc. was founded in 1988 and is headquartered in San Juan, Puerto Rico.
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