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Upturn AI SWOT - About
EVTC 
Evertec Inc (EVTC)
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Upturn Advisory Summary
06/30/2025: EVTC (1-star) has a low Upturn Star Rating. Not recommended to BUY.
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
Moderately tracked stock, growing coverage, gaining market and investor attention.
1 Year Target Price $40
1 Year Target Price $40
| 1 | Strong Buy |
| 2 | Buy |
| 2 | Hold |
| 0 | Sell |
| 0 | Strong Sell |
Analysis of Past Performance
Type Stock | Historic Profit -13.99% | Avg. Invested days 37 | Today’s Advisory WEAK BUY |
Upturn Star Rating | Upturn Advisory Performance  2.0 | Stock Returns Performance  1.0 |
| Profits based on simulation | Last Close 06/30/2025 |
Key Highlights
Company Size Mid-Cap Stock | Market Capitalization 2.28B USD | Price to earnings Ratio 18.04 | 1Y Target Price 40 |
Price to earnings Ratio 18.04 | 1Y Target Price 40 | ||
Volume (30-day avg) 5 | Beta 1 | 52 Weeks Range 28.60 - 38.56 | Updated Date 06/29/2025 |
52 Weeks Range 28.60 - 38.56 | Updated Date 06/29/2025 | ||
Dividends yield (FY) 0.56% | Basic EPS (TTM) 1.99 |
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 14.89% | Operating Margin (TTM) 21.64% |
Management Effectiveness
Return on Assets (TTM) 5.82% | Return on Equity (TTM) 23.13% |
Valuation
Trailing PE 18.04 | Forward PE - | Enterprise Value 2973250364 | Price to Sales(TTM) 2.63 |
Enterprise Value 2973250364 | Price to Sales(TTM) 2.63 | ||
Enterprise Value to Revenue 3.42 | Enterprise Value to EBITDA 8.91 | Shares Outstanding 63614100 | Shares Floating 63118523 |
Shares Outstanding 63614100 | Shares Floating 63118523 | ||
Percent Insiders 0.83 | Percent Institutions 102.68 |
Analyst Ratings
Rating 3 | Target Price 40 | Buy 2 | Strong Buy 1 |
Buy 2 | Strong Buy 1 | ||
Hold 2 | Sell - | Strong Sell - | |
Strong Sell - |
Upturn AI SWOT
Evertec Inc
Company Overview
History and Background
Evertec, Inc. (NYSE: EVTC) is a leading full-service transaction processing business in Latin America and the Caribbean. Founded in 2004, Evertec evolved from the transaction processing division of Popular, Inc., becoming an independent entity focused on expanding its services and reach throughout the region. Key milestones include strategic acquisitions and technological advancements that have solidified its market position.
Core Business Areas
- Payment Services: Provides payment processing services for merchants, financial institutions, and other businesses. Includes merchant acquiring, payment gateway services, and mobile payment solutions.
- Business Solutions: Offers core banking, cash management, and technology outsourcing services to financial institutions and businesses. This segment provides solutions that help clients manage their operations more efficiently.
- Processing Services: Includes credit and debit card processing, electronic benefit transfers (EBT), and automated teller machine (ATM) network management. These services support the infrastructure required for electronic transactions.
Leadership and Structure
Evertec's leadership team consists of experienced executives in the payments and technology industries. The organizational structure is designed to support both geographic expansion and product innovation. The CEO is likely to have regional experience and a technology focus.
Top Products and Market Share
Key Offerings
- ATH Network: A leading ATM network in Puerto Rico, facilitating cash withdrawals and other banking services. Market share is dominant in Puerto Rico. Competitors include other ATM networks operated by banks directly and smaller independent ATM providers. Information on specific competitors market share within Puerto Rico is not available publicly.
- Plataforma Evertec: A comprehensive payment processing platform that supports various payment methods and channels. This platform is a key enabler for merchants and financial institutions across Latin America and the Caribbean. Competitors include Fiserv (FI), Global Payments (GPN), and Adyen (ADYEY).
- Processador de Tarjetas: Offer processing services. Market share is highly influenced by geography but the main competitior for this is First Data (Fiserv).
Market Dynamics
Industry Overview
The payment processing industry is experiencing rapid growth due to the increasing adoption of digital payments and e-commerce, especially in Latin America and the Caribbean. The industry is competitive, with established players and emerging fintech companies vying for market share.
Positioning
Evertec holds a strong position in Latin America and the Caribbean, leveraging its established relationships with financial institutions and its deep understanding of the local markets. Its competitive advantages include regional expertise, a comprehensive suite of services, and a strong brand reputation.
Total Addressable Market (TAM)
The total addressable market is estimated to be in the tens of billions of dollars in Latin America and the Caribbean, driven by the increasing adoption of digital payments. Evertec is well-positioned to capture a significant portion of this market, given its regional presence and comprehensive service offerings.
Upturn SWOT Analysis
Strengths
- Strong regional presence in Latin America and the Caribbean
- Comprehensive suite of payment processing and business solutions
- Established relationships with financial institutions
- Deep understanding of local markets
- Experienced management team
Weaknesses
- Concentration of revenue in specific geographic regions
- Exposure to economic and political risks in Latin America and the Caribbean
- Potential for increased competition from global players
- Dependence on key partners and vendors
Opportunities
- Expansion into new geographic markets within Latin America and the Caribbean
- Development of new products and services to meet evolving customer needs
- Strategic acquisitions to enhance capabilities and market share
- Leveraging digital technologies to drive innovation
Threats
- Economic downturns in Latin America and the Caribbean
- Political instability and regulatory changes
- Increased competition from global payment processors
- Cybersecurity risks and data breaches
- Technological obsolescence
Competitors and Market Share
Key Competitors
- FIS (FIS)
- Global Payments (GPN)
- Fiserv (FI)
Competitive Landscape
Evertec's advantages compared to competitors include its regional focus, established relationships, and comprehensive service offerings. Disadvantages may include its smaller size and exposure to regional risks.
Major Acquisitions
Processa
- Year: 2022
- Acquisition Price (USD millions): 88
- Strategic Rationale: Expanded Evertecu2019s payment processing capabilities and market presence in Central America.
Growth Trajectory and Initiatives
Historical Growth: Evertec has experienced growth driven by the increasing adoption of digital payments and its expansion into new markets. Historical growth rates would be available in the company's financial reports.
Future Projections: Analyst estimates for Evertec's future growth would depend on factors such as market trends, competitive dynamics, and the company's strategic initiatives.
Recent Initiatives: Recent strategic initiatives may include acquisitions, partnerships, and the launch of new products and services.
Summary
Evertec is a strong regional player in payment processing in Latin America and the Caribbean. It benefits from its established relationships and comprehensive suite of services. However, it faces challenges related to economic and political risks in the region, as well as increasing competition. Strategic acquisitions and innovation in digital technologies will be crucial for its future growth.
Peer Comparison
Sources and Disclaimers
Data Sources:
- SEC Filings
- Company Website
- Industry Reports
- Financial News Outlets
Disclaimers:
The information provided is for informational purposes only and should not be considered financial advice. Market share data is estimated. The AI-based rating is based on a general model and is not a substitute for professional financial analysis. Investing in any stock involves risk.
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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