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Upturn AI SWOT - About
EVTC 
Evertec Inc (EVTC)
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Stock price based on last close (see disclosures)
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Upturn Advisory Summary
10/15/2025: 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 10/15/2025 |
Key Highlights
Company Size Small-Cap Stock | Market Capitalization 1.99B USD | Price to earnings Ratio 14.61 | 1Y Target Price 38.6 |
Price to earnings Ratio 14.61 | 1Y Target Price 38.6 | ||
Volume (30-day avg) 5 | Beta 0.93 | 52 Weeks Range 30.00 - 38.50 | Updated Date 10/15/2025 |
52 Weeks Range 30.00 - 38.50 | Updated Date 10/15/2025 | ||
Dividends yield (FY) 0.64% | Basic EPS (TTM) 2.09 |
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 15.56% | Operating Margin (TTM) 24.45% |
Management Effectiveness
Return on Assets (TTM) 6.33% | Return on Equity (TTM) 23.67% |
Valuation
Trailing PE 14.61 | Forward PE - | Enterprise Value 2766936884 | Price to Sales(TTM) 2.24 |
Enterprise Value 2766936884 | Price to Sales(TTM) 2.24 | ||
Enterprise Value to Revenue 3.12 | Enterprise Value to EBITDA 8.17 | Shares Outstanding 63982005 | Shares Floating 63485505 |
Shares Outstanding 63982005 | Shares Floating 63485505 | ||
Percent Insiders 0.83 | Percent Institutions 102.5 |
Upturn AI SWOT
Evertec Inc
Company Overview
History and Background
Evertec, Inc. was founded in 2004 as a result of the privatization of the electronic transaction processing business of the Puerto Rican government-owned bank. It has since grown to become a leading payment processing company in the Caribbean and Latin America.
Core Business Areas
- Payment Processing Solutions: Offers merchant acquiring, payment network processing, and payment solutions for businesses of all sizes.
- Business Solutions: Provides core banking processing, cash management, and IT outsourcing services to financial institutions.
- Government Solutions: Offers technology solutions to government agencies, including electronic benefit transfer (EBT) and tax collection services.
Leadership and Structure
Evertec is led by a CEO and senior management team. The company has a board of directors overseeing its operations and strategic direction.
Top Products and Market Share
Key Offerings
- ATH Network: The ATH network is a leading debit card network in Puerto Rico. Market share data is not publicly available, but it is believed to hold a significant market share. Competitors include Visa, Mastercard, and other regional payment networks.
- Payment Processing Platforms: Evertec offers various platforms for processing credit and debit card payments. Market share data specific to Evertec's processing platforms is not readily available. Competitors include Fiserv (FISV), Global Payments (GPN), and Worldpay (FIS).
- Core Banking Solutions: Provides core banking platforms for financial institutions. Market Share data is limited. Competitors include Fiserv (FISV), Jack Henry & Associates (JKHY), and Temenos.
Market Dynamics
Industry Overview
The payment processing industry is experiencing growth due to the increasing adoption of digital payments and e-commerce. The industry is also becoming more competitive, with new entrants and technological innovations.
Positioning
Evertec is well-positioned in the Caribbean and Latin America. Its competitive advantages include its strong regional presence, established relationships with financial institutions, and comprehensive suite of payment solutions.
Total Addressable Market (TAM)
The TAM for payment processing in Latin America and the Caribbean is estimated to be in the tens of billions of dollars. Evertec is positioned to capture a significant share of this market due to its regional presence and diverse product offerings.
Upturn SWOT Analysis
Strengths
- Strong presence in Caribbean and Latin America
- Established relationships with financial institutions
- Comprehensive suite of payment solutions
- Experienced management team
- Strong brand recognition in its core markets
Weaknesses
- Geographic concentration
- Dependence on certain key customers
- Exposure to economic and political instability in the region
- Relatively small compared to global payment processors
Opportunities
- Expanding into new markets in Latin America
- Acquiring complementary businesses
- Developing new payment solutions
- Increasing adoption of digital payments
- Growth in e-commerce
Threats
- Increased competition from global payment processors
- Technological disruptions
- Economic downturns in the region
- Regulatory changes
- Cybersecurity threats
Competitors and Market Share
Key Competitors
- Fiserv (FISV)
- Global Payments (GPN)
- Worldpay (FIS)
Competitive Landscape
Evertec faces intense competition from larger, global payment processors. While Evertec has a strong regional presence, these larger players have greater resources and broader geographic reach. Evertec's niche focus and regional expertise help it to compete effectively.
Growth Trajectory and Initiatives
Historical Growth: Historical growth trends cannot be determined without specific financial data.
Future Projections: Future projections cannot be provided without analyst estimate data. Future Projections are not available.
Recent Initiatives: Evertec has recently focused on expanding its digital payment solutions and strengthening its presence in key Latin American markets.
Summary
Evertec is a regional payment processing leader in the Caribbean and Latin America with strong relationships and a comprehensive suite of solutions. However, it faces intense competition and macroeconomic risks in its operating regions. Its growth prospects are tied to expanding its digital payment capabilities and penetrating new markets. Diversification and efficiency improvements will be vital to maintaining competitiveness.
Peer Comparison
Sources and Disclaimers
Data Sources:
- Company filings
- Industry reports
- Analyst estimates
- Evertec Investor Relations Website
Disclaimers:
This analysis is based on publicly available information and is for informational purposes only. It should not be considered financial advice. Market share estimates are based on available data and may not be precise. Financial data may be outdated. Always conduct your own research before making any 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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