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EVTC:NYSEEvertec, Inc. Analysis

Data as of 2026-04-01 - not real-time

$27.79

Latest Price

6/10Risk

Risk Level: Medium

Executive Summary

EVERTEC trades at $27.79, essentially aligned with its DCF‑derived fair value of $27.71, while its trailing P/E of 12.6 is well below the software‑infrastructure industry average of 33.2, signaling relative undervaluation. The company posted 13% YoY revenue growth to $932 M, maintains a solid ROE of 23%, and generated $112 M of free cash flow, underpinning a sustainable dividend of 0.71% with a modest 9% payout ratio. Recent earnings beat (+$0.03 EPS) and a newly declared quarterly dividend reinforce short‑term confidence, but technicals show a bearish MACD, neutral RSI (47) and decreasing volume, with price hovering just above the $27.10 support and below the $30.15 resistance. High 30‑day volatility (44.7%) and a beta of 0.8 add price‑movement risk, yet the firm’s cash‑rich balance sheet and growth outlook support a medium‑term upside of ~17% per the upside/downside metric.

Market Outlook

Short Term

< 1 year
Neutral
Model confidence: 5/10

Key Factors

  • Recent earnings beat and dividend declaration
  • Bearish MACD and decreasing volume
  • Price near support level at $27.10

Medium Term

1–3 years
Positive
Model confidence: 7/10

Key Factors

  • Undervalued relative to industry P/E
  • Strong revenue growth and cash flow generation
  • Attractive upside potential (~17%) and low payout ratio

Long Term

> 3 years
Neutral
Model confidence: 6/10

Key Factors

  • Sustainable cash flows and solid ROE
  • High debt‑to‑equity ratio (~159%) increasing leverage risk
  • Diversified geographic exposure across Latin America and Caribbean

Key Metrics & Analysis

Financial Health

Revenue Growth13.10%
Profit Margin15.20%
P/E Ratio12.6
ROE23.44%
ROA5.68%
Debt/Equity159.05
P/B Ratio2.8
Op. Cash Flow$227.0M
Free Cash Flow$111.9M
Industry P/E33.2

Technical Analysis

TrendNeutral
RSI47.2
Support$27.10
Resistance$30.15
MA 20$28.44
MA 50$28.08
MA 200$31.27
MACDBearish
VolumeDecreasing
Fear & Greed Index77.43

Valuation

Fair Value$27.71
Target Price$32.60
Upside/Downside17.31%
GradeFair
TypeBlend
Dividend Yield0.71%

Risk Assessment

Beta0.80
Volatility44.68%
Sector RiskMedium
Reg. RiskMedium
Geo RiskMedium
Currency RiskMedium
Liquidity RiskMedium

This analysis may contain inaccuracies and is provided for informational and research purposes only. It is not personal investment advice, a recommendation, or an instruction to buy, sell, or hold any asset.