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EVTC 
Evertec Inc (EVTC)
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Upturn Advisory Summary
01/09/2026: 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 $32.8
1 Year Target Price $32.8
| 1 | Strong Buy |
| 2 | Buy |
| 2 | Hold |
| 0 | Sell |
| 0 | Strong Sell |
Analysis of Past Performance
Type Stock | Historic Profit -19.27% | 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 01/09/2026 |
Key Highlights
Company Size Small-Cap Stock | Market Capitalization 1.93B USD | Price to earnings Ratio 13.35 | 1Y Target Price 32.8 |
Price to earnings Ratio 13.35 | 1Y Target Price 32.8 | ||
Volume (30-day avg) 5 | Beta 0.88 | 52 Weeks Range 26.72 - 38.44 | Updated Date 01/9/2026 |
52 Weeks Range 26.72 - 38.44 | Updated Date 01/9/2026 | ||
Dividends yield (FY) 0.66% | Basic EPS (TTM) 2.26 |
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 - | When - | Estimate - | Actual - |
Profitability
Profit Margin 16.17% | Operating Margin (TTM) 16.51% |
Management Effectiveness
Return on Assets (TTM) 5.91% | Return on Equity (TTM) 23.64% |
Valuation
Trailing PE 13.35 | Forward PE - | Enterprise Value 2554726543 | Price to Sales(TTM) 2.14 |
Enterprise Value 2554726543 | Price to Sales(TTM) 2.14 | ||
Enterprise Value to Revenue 2.83 | Enterprise Value to EBITDA 7.56 | Shares Outstanding 63983841 | Shares Floating 63521878 |
Shares Outstanding 63983841 | Shares Floating 63521878 | ||
Percent Insiders 0.83 | Percent Institutions 102.41 |
Upturn AI SWOT
Evertec Inc
Company Overview
History and Background
Evertec Inc. was founded in 1999 as a spin-off from Banco Popular de Puerto Rico. It is a leading financial technology company in the Caribbean and Latin America, offering a wide range of transaction processing services. Key milestones include its IPO in 2004, significant expansions across Latin America, and strategic acquisitions to broaden its service portfolio.
Core Business Areas
- Payment Services: Evertec provides end-to-end transaction processing for credit and debit cards, including merchant acquiring, authorization, settlement, and fraud prevention. It also offers ATM processing and network services.
- Financial Services Technology: This segment includes a suite of solutions for banks and financial institutions, such as core banking systems, loan origination and servicing platforms, and digital banking solutions.
- Payment Solutions: Evertec offers digital payment solutions, including point-of-sale (POS) terminals, mobile payment gateways, and e-commerce payment processing.
Leadership and Structure
Evertec is led by a team of experienced executives with deep expertise in financial services and technology. The company operates with a divisional structure aligned with its core business areas, emphasizing regional presence and tailored solutions for its diverse client base.
Top Products and Market Share
Key Offerings
- Product Name 1: Evertec's full suite of payment processing services (merchant acquiring, ATM processing, debit/credit card authorization). Competitors include Fiserv, FIS, Global Payments, and regional payment processors. Specific market share data for individual products is not publicly disclosed, but Evertec holds a dominant position in Puerto Rico and significant shares in other Latin American markets.
- Product Name 2: Financial institution technology solutions (core banking, digital banking). Competitors include Oracle, Temenos, and other core banking software providers. Evertec's market share in this segment is strong in the Caribbean and select Latin American countries.
- Product Name 3: Digital payment gateways and POS solutions. Competitors include Stripe, PayPal, Square, and regional POS providers. Evertec competes by offering integrated solutions for its existing banking and merchant clients.
Market Dynamics
Industry Overview
The financial technology (FinTech) industry, particularly in payments and digital banking, is experiencing rapid growth driven by increasing digital adoption, e-commerce expansion, and a demand for seamless, secure transaction experiences. Emerging markets in Latin America represent a significant growth opportunity due to their expanding middle class and increasing financial inclusion.
Positioning
Evertec is a leading player in the Latin American and Caribbean FinTech market, leveraging its extensive infrastructure, strong relationships with financial institutions, and comprehensive product offerings. Its competitive advantages include its established market presence, deep understanding of regional regulatory environments, and ability to offer integrated solutions.
Total Addressable Market (TAM)
The TAM for payment processing and financial technology solutions in Latin America is substantial and growing rapidly. Estimates vary, but the digital payments market alone is projected to reach hundreds of billions of dollars in the coming years. Evertec is well-positioned to capture a significant portion of this TAM, particularly in its core markets, through organic growth and strategic partnerships.
Upturn SWOT Analysis
Strengths
- Dominant market position in Puerto Rico and strong presence in Latin America.
- Diversified revenue streams from payment processing and financial technology services.
- Long-standing relationships with major financial institutions.
- Extensive transaction processing infrastructure.
- Proven track record of successful acquisitions and integration.
Weaknesses
- Geographic concentration risk in Latin America.
- Dependence on a few large clients.
- Potential for disruption from new FinTech entrants.
- Complexity of managing operations across multiple countries.
Opportunities
- Continued digital transformation and e-commerce growth in Latin America.
- Expansion into new, underserved markets within the region.
- Development of innovative digital payment and banking solutions.
- Further strategic acquisitions to enhance capabilities and market reach.
- Increasing demand for data analytics and cybersecurity services.
Threats
- Intensifying competition from global and regional FinTech players.
- Changes in regulatory environments and compliance requirements.
- Cybersecurity threats and data breaches.
- Economic instability and currency fluctuations in operating regions.
- Technological obsolescence if innovation lags.
Competitors and Market Share
Key Competitors
- Fiserv Inc. (FI)
- FIS Inc. (FIS)
- Global Payments Inc. (GPN)
- Adyen N.V. (ADYEN)
Competitive Landscape
Evertec's primary competitive advantages lie in its deep-rooted regional expertise, extensive existing infrastructure, and strong relationships with local financial institutions, particularly in Latin America and the Caribbean. While global players like Fiserv and FIS have broader reach, Evertec often offers more tailored solutions and has a strong first-mover advantage in many of its key markets. Its weakness compared to some global competitors might be its smaller scale and less diversified geographic presence outside of its core regions.
Major Acquisitions
PaySmart
- Year: 2023
- Acquisition Price (USD millions): 130
- Strategic Rationale: To expand its digital payment solutions and merchant acquiring capabilities in Latin America.
Sinac
- Year: 2022
- Acquisition Price (USD millions): 150
- Strategic Rationale: To strengthen its position in the financial services technology segment, particularly in core banking and digital transformation for financial institutions.
Growth Trajectory and Initiatives
Historical Growth: Evertec has experienced robust historical growth, fueled by the expansion of electronic payments, the increasing adoption of digital banking services in Latin America, and successful integration of acquired businesses. Its strategy has focused on penetrating new markets and expanding its service offerings.
Future Projections: Analyst projections for Evertec's future growth are generally positive, anticipating continued expansion in its core markets, driven by secular trends in digital payments and financial inclusion. Growth is expected to be supported by both organic initiatives and potential strategic acquisitions. Specific EPS and revenue growth forecasts are available from financial analysis firms.
Recent Initiatives: Recent strategic initiatives by Evertec include ongoing investments in technology to enhance its digital offerings, expansion into new geographies within Latin America, and partnerships aimed at accelerating market penetration and broadening its service ecosystem.
Summary
Evertec Inc. is a well-established FinTech leader in Latin America with strong market positions and diversified revenue streams. Its robust infrastructure and deep regional knowledge are significant strengths, enabling it to capitalize on the growing digital payment and financial services market. However, the company must remain vigilant against intense competition and potential regulatory shifts while continuing to innovate and expand its service offerings to maintain its growth trajectory.
Similar Stocks
Sources and Disclaimers
Data Sources:
- Evertec Inc. Investor Relations
- SEC Filings (10-K, 10-Q)
- Financial News Outlets (e.g., Bloomberg, Reuters)
- Industry Research Reports
- Analyst Ratings
Disclaimers:
This analysis is based on publicly available information and is for informational purposes only. It does not constitute financial advice. Investors should conduct their own due diligence before making investment decisions.
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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