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EVERTEC, Inc.

EVTC

$29.86 ▼ -1.11 (-3.58%) at close

16 Visible periods

34 Metrics

Peer-ranked Benchmarks

Price Chart

Health

Good

Moderately Bullish

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Analytical Summary

EVERTEC, Inc. demonstrates solid fundamentals with strength in Return on Common Equity (%). However, watch Debt to Equity which shows concerning trends. Overall, the data suggests a moderately positive outlook with manageable risks.

Market Cap $1.9B

Dividend Yield 0.67%

Revenue Growth 10.2% ↘

Op. Margin 20.0% ↗

ROIC 10.4% ↘

FCF / Share $3.20 ↘

Trailing P/E 13.5x

Price / Book 3.0x

FCF Yield 10.7%

Debt / Equity 1.71

info Valuation on last close. End-of-day price, Aug 7, 2026.

16-Year Financial Trajectory

Annual

Metric Value Trend Year over Year Percentile

Revenue Total top-line sales

$931.82M

↑ +10.2% —

Net Income Profit after all expenses

$141.59M

↑ +25.7% —

Operating Margin Operating profit as % of sales

20.0%

↑ +2.1% 75th

FCF / Share Free cash flow per share

$3.20

↓ -12.4% —

Long-Term Debt Long-term obligations

$1.05B

↑ +13.8% —

trending_up

Bullish Indicators

Operating Margin (%)Operating Margin (%) is in the top quartile
Profit Margin (%)Profit Margin (%) is in the top quartile
Return on Common Equity (%)Return on Common Equity (%) is in the top quartile

warning

Bearish Risks

Debt to EquityDebt to Equity is concerning (bottom quartile)

Health Breakdown

Profitability ↓

Returns ↓

Financial Health →

Cash Quality ↑

Dividend History

Dividend / share · sourced from SEC filings

$0.20 Latest / share

+0.0% YoY

-6.7% 11-yr CAGR

FY 2014

$0.40

FY 2015

$0.40

FY 2016

$0.30

FY 2017

$0.10

FY 2018

$0.20

FY 2019

$0.20

FY 2020

$0.20

FY 2021

$0.20

FY 2022

$0.20

FY 2023

$0.20

FY 2024

$0.20

FY 2025

Financial view

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📈 Is growth accelerating? 7 metrics

Metric	FY 2025 Dec 31, 2025 10-K ↗	FY 2024 Dec 31, 2024 10-K ↗	FY 2023 Dec 31, 2023 10-K ↗	FY 2022 Dec 31, 2022 10-K ↗	FY 2021 Dec 31, 2021 10-K ↗	FY 2020 Dec 31, 2020 10-K ↗	FY 2019 Dec 31, 2019 10-K ↗	FY 2018 Dec 31, 2018 10-K ↗	FY 2017 Dec 31, 2017 10-K ↗	FY 2016 Dec 31, 2016 10-K ↗	FY 2015 Dec 31, 2015 10-K ↗	FY 2014 Dec 31, 2014 10-K ↗	FY 2013 Dec 31, 2013 10-K ↗	FY 2012 Dec 31, 2012 10-K ↗	FY 2011 Dec 31, 2011 10-K ↗	FY 2010 Dec 31, 2010 10-K ↗
Revenue Growth YoY (%)	10.2% Good ↓ Good Declining Year-over-year change in total revenue Optimal: > 10% vs Sector: Below avg (-15%)	21.7% Excellent ↑ Excellent Improving Year-over-year change in total revenue Optimal: > 10% vs Sector: Above avg (+81%)	12.3% Good ↑ Good Improving Year-over-year change in total revenue Optimal: > 10% vs Sector: At sector avg	4.9% Caution ↓ Caution Declining Year-over-year change in total revenue Optimal: > 10% vs Sector: Below avg (-60%)	15.5% Good ↑ Good Improving Year-over-year change in total revenue Optimal: > 10% vs Sector: Above avg (+29%)	4.8% Caution ↓ Caution Declining Year-over-year change in total revenue Optimal: > 10% vs Sector: Below avg (-60%)	7.4% Fair ↑ Fair Improving Year-over-year change in total revenue Optimal: > 10% vs Sector: Below avg (-38%)	11.5% Good ↑ Good Improving Year-over-year change in total revenue Optimal: > 10% vs Sector: At sector avg	4.5% Caution ↑ Caution Improving Year-over-year change in total revenue Optimal: > 10% vs Sector: Below avg (-62%)	4.3% Caution ↑ Caution Improving Year-over-year change in total revenue Optimal: > 10% vs Sector: Below avg (-64%)	3.2% Caution ↓ Caution Declining Year-over-year change in total revenue Optimal: > 10% vs Sector: Below avg (-73%)	1.1% Caution ↓ Caution Declining Year-over-year change in total revenue Optimal: > 10% vs Sector: Below avg (-91%)	4.8% Caution Caution Year-over-year change in total revenue Optimal: > 10% vs Sector: Below avg (-60%)	6.4% Fair Fair Year-over-year change in total revenue Optimal: > 10% vs Sector: Below avg (-47%)	—	—
EPS Growth YoY (%)	26.9% Excellent ↑ Excellent Improving Year-over-year change in earnings per share Optimal: > 10%	42.3% Excellent ↑ Excellent Improving Year-over-year change in earnings per share Optimal: > 10%	-64.7% Weak ↓ Weak Declining Year-over-year change in earnings per share Optimal: > 10%	55.4% Excellent ↑ Excellent Improving Year-over-year change in earnings per share Optimal: > 10%	54.5% Excellent ↑ Excellent Improving Year-over-year change in earnings per share Optimal: > 10%	0.7% Caution ↓ Caution Declining Year-over-year change in earnings per share Optimal: > 10%	21.0% Good ↑ Good Improving Year-over-year change in earnings per share Optimal: > 10%	56.6% Excellent ↑ Excellent Improving Year-over-year change in earnings per share Optimal: > 10%	-24.8% Weak ↓ Weak Declining Year-over-year change in earnings per share Optimal: > 10%	-9.0% Weak Weak Year-over-year change in earnings per share Optimal: > 10%	32.1% Excellent Excellent Year-over-year change in earnings per share Optimal: > 10%	N/M	N/M	221.2% Excellent Excellent Year-over-year change in earnings per share Optimal: > 10%	—	—
Net Income Growth YoY (%)	25.7% Excellent ↑ Excellent Improving Year-over-year change in net income	41.3% Excellent ↑ Excellent Improving Year-over-year change in net income	-66.6% Weak ↓ Weak Declining Year-over-year change in net income	48.3% Excellent ↑ Excellent Improving Year-over-year change in net income	54.3% Excellent ↑ Excellent Improving Year-over-year change in net income	0.9% Caution ↓ Caution Declining Year-over-year change in net income	19.9% Good ↑ Good Improving Year-over-year change in net income	56.7% Excellent ↑ Excellent Improving Year-over-year change in net income	-26.6% Weak ↓ Weak Declining Year-over-year change in net income	-12.1% Weak Weak Year-over-year change in net income	29.1% Excellent Excellent Year-over-year change in net income	N/M	N/M	219.5% Excellent Excellent Year-over-year change in net income	—	—
FCF Growth YoY (%)	-12.4% Weak ↓ Weak Declining Year-over-year change in free cash flow	16.9% Good ↑ Good Improving Year-over-year change in free cash flow	9.3% Fair → Fair Stable Year-over-year change in free cash flow	1.3% Caution ↓ Caution Declining Year-over-year change in free cash flow	11.5% Fair → Fair Stable Year-over-year change in free cash flow	16.2% Good ↑ Good Improving Year-over-year change in free cash flow	-0.5% Weak ↓ Weak Declining Year-over-year change in free cash flow	17.9% Good Good Year-over-year change in free cash flow	-8.0% Weak Weak Year-over-year change in free cash flow	—	—	—	—	—	—	—
Revenue CAGR 3Y (%)	14.6% Good ↑ Good Improving Compound annual revenue growth over 3 years	12.8% Good ↑ Good Improving Compound annual revenue growth over 3 years	10.8% Good ↑ Good Improving Compound annual revenue growth over 3 years	8.3% Fair → Fair Stable Compound annual revenue growth over 3 years	9.1% Fair ↑ Fair Improving Compound annual revenue growth over 3 years	7.8% Fair ↑ Fair Improving Compound annual revenue growth over 3 years	7.8% Fair ↑ Fair Improving Compound annual revenue growth over 3 years	6.7% Fair ↑ Fair Improving Compound annual revenue growth over 3 years	4.0% Caution ↑ Caution Improving Compound annual revenue growth over 3 years	2.8% Caution ↓ Caution Declining Compound annual revenue growth over 3 years	3.0% Caution Caution Compound annual revenue growth over 3 years	4.1% Caution Caution Compound annual revenue growth over 3 years	—	—	—	—
Revenue CAGR 5Y (%)	12.8% Excellent ↑ Excellent Improving Compound annual revenue growth over 5 years	11.6% Good ↑ Good Improving Compound annual revenue growth over 5 years	8.9% Good ↑ Good Improving Compound annual revenue growth over 5 years	8.7% Good ↑ Good Improving Compound annual revenue growth over 5 years	8.7% Good ↑ Good Improving Compound annual revenue growth over 5 years	6.5% Fair ↑ Fair Improving Compound annual revenue growth over 5 years	6.1% Fair ↑ Fair Improving Compound annual revenue growth over 5 years	4.9% Fair ↑ Fair Improving Compound annual revenue growth over 5 years	3.6% Caution Caution Compound annual revenue growth over 5 years	3.9% Caution Caution Compound annual revenue growth over 5 years	—	—	—	—	—	—
EPS CAGR 3Y (%)	-13.9% Weak ↓ Weak Declining Compound annual EPS growth over 3 years	-7.9% Weak ↓ Weak Declining Compound annual EPS growth over 3 years	-5.3% Weak ↓ Weak Declining Compound annual EPS growth over 3 years	34.2% Excellent ↑ Excellent Improving Compound annual EPS growth over 3 years	23.5% Excellent ↑ Excellent Improving Compound annual EPS growth over 3 years	24.0% Excellent ↑ Excellent Improving Compound annual EPS growth over 3 years	12.6% Good ↑ Good Improving Compound annual EPS growth over 3 years	2.3% Caution ↑ Caution Improving Compound annual EPS growth over 3 years	-3.3% Weak ↓ Weak Declining Compound annual EPS growth over 3 years	—	1.5% Caution Caution Compound annual EPS growth over 3 years	36.5% Excellent Excellent Compound annual EPS growth over 3 years	—	—	—	—

💰 Are margins durable? 5 metrics

Metric	FY 2025 Dec 31, 2025 10-K ↗	FY 2024 Dec 31, 2024 10-K ↗	FY 2023 Dec 31, 2023 10-K ↗	FY 2022 Dec 31, 2022 10-K ↗	FY 2021 Dec 31, 2021 10-K ↗	FY 2020 Dec 31, 2020 10-K ↗	FY 2019 Dec 31, 2019 10-K ↗	FY 2018 Dec 31, 2018 10-K ↗	FY 2017 Dec 31, 2017 10-K ↗	FY 2016 Dec 31, 2016 10-K ↗	FY 2015 Dec 31, 2015 10-K ↗	FY 2014 Dec 31, 2014 10-K ↗	FY 2013 Dec 31, 2013 10-K ↗	FY 2012 Dec 31, 2012 10-K ↗	FY 2011 Dec 31, 2011 10-K ↗	FY 2010 Dec 31, 2010 10-K ↗
Operating Margin (%) (%)	20.0% Good ↓ Good Declining Operating income as a percentage of revenue Optimal: > 15% vs Sector: At sector avg	19.6% Good ↓ Good Declining Operating income as a percentage of revenue Optimal: > 15% vs Sector: At sector avg	19.6% Good ↓ Good Declining Operating income as a percentage of revenue Optimal: > 15% vs Sector: At sector avg	25.5% Excellent ↓ Excellent Declining Operating income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+27%)	33.3% Excellent ↑ Excellent Improving Operating income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+67%)	27.7% Excellent ↑ Excellent Improving Operating income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+38%)	29.6% Excellent ↑ Excellent Improving Operating income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+48%)	27.6% Excellent ↑ Excellent Improving Operating income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+38%)	21.1% Good ↓ Good Declining Operating income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+6%)	27.5% Excellent ↑ Excellent Improving Operating income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+38%)	27.7% Excellent ↑ Excellent Improving Operating income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+38%)	26.8% Excellent ↑ Excellent Improving Operating income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+34%)	24.0% Good ↑ Good Improving Operating income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+20%)	23.3% Good Good Operating income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+17%)	19.5% Good Good Operating income as a percentage of revenue Optimal: > 15% vs Sector: At sector avg	—
Effective Tax Rate (%) (%)	6.4% Excellent ↓ Excellent Declining Actual taxes paid relative to pre-tax income Optimal: 15-25%	4.1% Excellent ↓ Excellent Declining Actual taxes paid relative to pre-tax income Optimal: 15-25%	6.4% Excellent ↓ Excellent Declining Actual taxes paid relative to pre-tax income Optimal: 15-25%	10.8% Excellent ↓ Excellent Declining Actual taxes paid relative to pre-tax income Optimal: 15-25%	11.3% Excellent ↓ Excellent Declining Actual taxes paid relative to pre-tax income Optimal: 15-25%	15.3% Good ↑ Good Improving Actual taxes paid relative to pre-tax income Optimal: 15-25%	11.1% Excellent ↑ Excellent Improving Actual taxes paid relative to pre-tax income Optimal: 15-25%	12.7% Excellent ↑ Excellent Improving Actual taxes paid relative to pre-tax income Optimal: 15-25%	7.9% Excellent ↑ Excellent Improving Actual taxes paid relative to pre-tax income Optimal: 15-25%	9.9% Excellent ↑ Excellent Improving Actual taxes paid relative to pre-tax income Optimal: 15-25%	-4.1% Excellent ↑ Excellent Improving Actual taxes paid relative to pre-tax income Optimal: 15-25%	11.9% Excellent ↓ Excellent Declining Actual taxes paid relative to pre-tax income Optimal: 15-25%	7.5% Excellent ↓ Excellent Declining Actual taxes paid relative to pre-tax income Optimal: 15-25%	-336.9% Excellent Excellent Actual taxes paid relative to pre-tax income Optimal: 15-25%	583.0% Weak Weak Actual taxes paid relative to pre-tax income Optimal: 15-25%	—
Profit Margin (%) (%)	15.2% Good ↓ Good Declining Net income as a percentage of revenue Optimal: > 15% vs Sector: At sector avg	13.3% Fair ↓ Fair Declining Net income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-11%)	11.5% Fair ↓ Fair Declining Net income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-23%)	38.6% Excellent ↑ Excellent Improving Net income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+158%)	27.3% Excellent ↑ Excellent Improving Net income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+82%)	20.5% Excellent ↑ Excellent Improving Net income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+36%)	21.2% Excellent ↑ Excellent Improving Net income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+42%)	19.0% Good → Good Stable Net income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+27%)	13.5% Fair ↓ Fair Declining Net income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-10%)	19.3% Good ↑ Good Improving Net income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+28%)	22.9% Excellent ↑ Excellent Improving Net income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+52%)	18.3% Good ↑ Good Improving Net income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+22%)	-6.9% Weak ↓ Weak Declining Net income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-146%)	22.6% Excellent Excellent Net income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+51%)	7.5% Caution Caution Net income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-50%)	—
FCF Margin (%) (%)	21.9% Excellent ↓ Excellent Declining Free cash flow as a percentage of revenue Optimal: > 10%	27.8% Excellent ↓ Excellent Declining Free cash flow as a percentage of revenue Optimal: > 10%	29.2% Excellent ↓ Excellent Declining Free cash flow as a percentage of revenue Optimal: > 10%	31.7% Excellent ↓ Excellent Declining Free cash flow as a percentage of revenue Optimal: > 10%	34.5% Excellent → Excellent Stable Free cash flow as a percentage of revenue Optimal: > 10%	35.6% Excellent ↑ Excellent Improving Free cash flow as a percentage of revenue Optimal: > 10%	32.2% Excellent ↓ Excellent Declining Free cash flow as a percentage of revenue Optimal: > 10%	35.0% Excellent → Excellent Stable Free cash flow as a percentage of revenue Optimal: > 10%	33.0% Excellent Excellent Free cash flow as a percentage of revenue Optimal: > 10%	38.4% Excellent Excellent Free cash flow as a percentage of revenue Optimal: > 10%	—	—	—	—	—	—
FCF / Net Income (x)	1.44x Good ↓ Good Declining Free cash flow relative to reported net income Optimal: > 1x	2.08x Excellent ↑ Excellent Improving Free cash flow relative to reported net income Optimal: > 1x	2.54x Excellent ↑ Excellent Improving Free cash flow relative to reported net income Optimal: > 1x	0.82x Caution ↓ Caution Declining Free cash flow relative to reported net income Optimal: > 1x	1.26x Good ↓ Good Declining Free cash flow relative to reported net income Optimal: > 1x	1.74x Excellent ↓ Excellent Declining Free cash flow relative to reported net income Optimal: > 1x	1.52x Excellent ↓ Excellent Declining Free cash flow relative to reported net income Optimal: > 1x	1.84x Excellent ↓ Excellent Declining Free cash flow relative to reported net income Optimal: > 1x	2.44x Excellent Excellent Free cash flow relative to reported net income Optimal: > 1x	1.99x Excellent Excellent Free cash flow relative to reported net income Optimal: > 1x	—	—	—	—	—	—

🎯 Is capital allocation efficient? 3 metrics

Metric	FY 2025 Dec 31, 2025 10-K ↗	FY 2024 Dec 31, 2024 10-K ↗	FY 2023 Dec 31, 2023 10-K ↗	FY 2022 Dec 31, 2022 10-K ↗	FY 2021 Dec 31, 2021 10-K ↗	FY 2020 Dec 31, 2020 10-K ↗	FY 2019 Dec 31, 2019 10-K ↗	FY 2018 Dec 31, 2018 10-K ↗	FY 2017 Dec 31, 2017 10-K ↗	FY 2016 Dec 31, 2016 10-K ↗	FY 2015 Dec 31, 2015 10-K ↗	FY 2014 Dec 31, 2014 10-K ↗	FY 2013 Dec 31, 2013 10-K ↗	FY 2012 Dec 31, 2012 10-K ↗	FY 2011 Dec 31, 2011 10-K ↗	FY 2010 Dec 31, 2010 10-K ↗
Return on Invested Capital (%)	10.4% Good ↓ Good Declining Return earned on debt + equity capital invested Optimal: > 10%	11.4% Good ↓ Good Declining Return earned on debt + equity capital invested Optimal: > 10%	8.1% Fair ↓ Fair Declining Return earned on debt + equity capital invested Optimal: > 10%	15.9% Excellent → Excellent Stable Return earned on debt + equity capital invested Optimal: > 10%	18.7% Excellent ↑ Excellent Improving Return earned on debt + equity capital invested Optimal: > 10%	14.3% Good → Good Stable Return earned on debt + equity capital invested Optimal: > 10%	16.2% Excellent ↑ Excellent Improving Return earned on debt + equity capital invested Optimal: > 10%	14.6% Good ↑ Good Improving Return earned on debt + equity capital invested Optimal: > 10%	10.4% Good ↓ Good Declining Return earned on debt + equity capital invested Optimal: > 10%	12.8% Good ↑ Good Improving Return earned on debt + equity capital invested Optimal: > 10%	14.1% Good ↓ Good Declining Return earned on debt + equity capital invested Optimal: > 10%	10.8% Good ↑ Good Improving Return earned on debt + equity capital invested Optimal: > 10%	9.4% Fair ↑ Fair Improving Return earned on debt + equity capital invested Optimal: > 10%	39.3% Excellent Excellent Return earned on debt + equity capital invested Optimal: > 10%	-82.5% Weak Weak Return earned on debt + equity capital invested Optimal: > 10%	—
Return on Capital (%) (%)	8.3% Fair ↓ Fair Declining Operating profit relative to total assets Optimal: > 10%	8.9% Fair ↓ Fair Declining Operating profit relative to total assets Optimal: > 10%	6.6% Caution ↓ Caution Declining Operating profit relative to total assets Optimal: > 10%	13.9% Good ↓ Good Declining Operating profit relative to total assets Optimal: > 10%	17.2% Excellent ↑ Excellent Improving Operating profit relative to total assets Optimal: > 10%	13.2% Good ↑ Good Improving Operating profit relative to total assets Optimal: > 10%	14.3% Good ↑ Good Improving Operating profit relative to total assets Optimal: > 10%	13.5% Good ↑ Good Improving Operating profit relative to total assets Optimal: > 10%	9.5% Fair ↓ Fair Declining Operating profit relative to total assets Optimal: > 10%	12.1% Good ↑ Good Improving Operating profit relative to total assets Optimal: > 10%	12.0% Good ↑ Good Improving Operating profit relative to total assets Optimal: > 10%	11.0% Good ↑ Good Improving Operating profit relative to total assets Optimal: > 10%	9.3% Fair Fair Operating profit relative to total assets Optimal: > 10%	8.1% Fair Fair Operating profit relative to total assets Optimal: > 10%	—	—
Return on Common Equity (%) (%)	22.8% Excellent ↓ Excellent Declining Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Above avg (+23%)	23.8% Excellent ↓ Excellent Declining Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Above avg (+29%)	13.4% Fair ↓ Fair Declining Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-27%)	50.7% Excellent ↑ Excellent Improving Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Above avg (+174%)	34.6% Excellent ↓ Excellent Declining Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Above avg (+87%)	30.9% Excellent ↓ Excellent Declining Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Above avg (+67%)	38.7% Excellent ↓ Excellent Declining Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Above avg (+109%)	40.8% Excellent ↓ Excellent Declining Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Above avg (+121%)	38.2% Excellent ↓ Excellent Declining Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Above avg (+106%)	71.7% Excellent ↑ Excellent Improving Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Above avg (+287%)	86.9% Excellent ↑ Excellent Improving Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Above avg (+370%)	69.8% Excellent ↑ Excellent Improving Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Above avg (+277%)	-22.1% Weak ↓ Weak Declining Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-220%)	63.2% Excellent Excellent Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Above avg (+242%)	6.6% Caution Caution Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-64%)	—

⚖️ Is the balance sheet risky? 4 metrics

Metric	FY 2025 Dec 31, 2025 10-K ↗	FY 2024 Dec 31, 2024 10-K ↗	FY 2023 Dec 31, 2023 10-K ↗	FY 2022 Dec 31, 2022 10-K ↗	FY 2021 Dec 31, 2021 10-K ↗	FY 2020 Dec 31, 2020 10-K ↗	FY 2019 Dec 31, 2019 10-K ↗	FY 2018 Dec 31, 2018 10-K ↗	FY 2017 Dec 31, 2017 10-K ↗	FY 2016 Dec 31, 2016 10-K ↗	FY 2015 Dec 31, 2015 10-K ↗	FY 2014 Dec 31, 2014 10-K ↗	FY 2013 Dec 31, 2013 10-K ↗	FY 2012 Dec 31, 2012 10-K ↗	FY 2011 Dec 31, 2011 10-K ↗	FY 2010 Dec 31, 2010 10-K ↗
Debt to Equity (x)	1.71x Weak ↑ Weak Improving Total debt relative to shareholder equity Optimal: < 0.6x vs Sector: Above avg (+280%)	1.96x Weak ↑ Weak Improving Total debt relative to shareholder equity Optimal: < 0.6x vs Sector: Above avg (+335%)	1.65x Weak ↑ Weak Improving Total debt relative to shareholder equity Optimal: < 0.6x vs Sector: Above avg (+266%)	0.91x Fair ↓ Fair Declining Total debt relative to shareholder equity Optimal: < 0.6x vs Sector: Above avg (+103%)	1.00x Fair ↓ Fair Declining Total debt relative to shareholder equity Optimal: < 0.6x vs Sector: Above avg (+122%)	1.47x Caution ↓ Caution Declining Total debt relative to shareholder equity Optimal: < 0.6x vs Sector: Above avg (+227%)	1.97x Weak ↓ Weak Declining Total debt relative to shareholder equity Optimal: < 0.6x vs Sector: Above avg (+339%)	2.55x Weak ↓ Weak Declining Total debt relative to shareholder equity Optimal: < 0.6x vs Sector: Above avg (+466%)	4.36x Weak ↓ Weak Declining Total debt relative to shareholder equity Optimal: < 0.6x vs Sector: Above avg (+870%)	6.48x Weak ↓ Weak Declining Total debt relative to shareholder equity Optimal: < 0.6x vs Sector: Above avg (+1341%)	6.92x Weak → Weak Stable Total debt relative to shareholder equity Optimal: < 0.6x vs Sector: Above avg (+1438%)	7.56x Weak ↑ Weak Improving Total debt relative to shareholder equity Optimal: < 0.6x vs Sector: Above avg (+1580%)	7.07x Weak Weak Total debt relative to shareholder equity Optimal: < 0.6x vs Sector: Above avg (+1471%)	6.46x Weak Weak Total debt relative to shareholder equity Optimal: < 0.6x vs Sector: Above avg (+1335%)	—	—
Interest Coverage (x)	2.90x Caution ↓ Caution Declining Operating income divided by interest expense Optimal: > 5x	2.30x Caution ↓ Caution Declining Operating income divided by interest expense Optimal: > 5x	4.21x Fair ↓ Fair Declining Operating income divided by interest expense Optimal: > 5x	6.35x Good → Good Stable Operating income divided by interest expense Optimal: > 5x	8.62x Good ↑ Good Improving Operating income divided by interest expense Optimal: > 5x	5.64x Good ↑ Good Improving Operating income divided by interest expense Optimal: > 5x	5.02x Good ↑ Good Improving Operating income divided by interest expense Optimal: > 5x	4.16x Fair ↑ Fair Improving Operating income divided by interest expense Optimal: > 5x	2.88x Caution ↓ Caution Declining Operating income divided by interest expense Optimal: > 5x	4.35x Fair ↑ Fair Improving Operating income divided by interest expense Optimal: > 5x	4.26x Fair ↑ Fair Improving Operating income divided by interest expense Optimal: > 5x	3.76x Fair ↑ Fair Improving Operating income divided by interest expense Optimal: > 5x	2.27x Caution ↑ Caution Improving Operating income divided by interest expense Optimal: > 5x	1.47x Weak Weak Operating income divided by interest expense Optimal: > 5x	1.23x Weak Weak Operating income divided by interest expense Optimal: > 5x	—
Net Debt (USD)	$757.04M	$651.42M	$682.49M	$244.97M	$198.94M	$294.08M	$416.57M	$468.63M	$578.32M	$626.84M	$650.95M	$684.80M	$764.60M	$765.12M	$-56.20M	$-55.20M
Debt / EBITDA (x)	5.09x Weak ↑ Weak Improving Debt relative to earnings before interest, taxes, depreciation Optimal: < 2x	4.92x Weak ↑ Weak Improving Debt relative to earnings before interest, taxes, depreciation Optimal: < 2x	6.20x Weak ↑ Weak Improving Debt relative to earnings before interest, taxes, depreciation Optimal: < 2x	2.45x Fair ↓ Fair Declining Debt relative to earnings before interest, taxes, depreciation Optimal: < 2x	2.18x Fair ↓ Fair Declining Debt relative to earnings before interest, taxes, depreciation Optimal: < 2x	3.13x Caution ↓ Caution Declining Debt relative to earnings before interest, taxes, depreciation Optimal: < 2x	3.27x Caution ↓ Caution Declining Debt relative to earnings before interest, taxes, depreciation Optimal: < 2x	3.86x Caution ↓ Caution Declining Debt relative to earnings before interest, taxes, depreciation Optimal: < 2x	6.24x Weak ↑ Weak Improving Debt relative to earnings before interest, taxes, depreciation Optimal: < 2x	5.59x Weak ↓ Weak Declining Debt relative to earnings before interest, taxes, depreciation Optimal: < 2x	5.74x Weak ↓ Weak Declining Debt relative to earnings before interest, taxes, depreciation Optimal: < 2x	6.37x Weak ↓ Weak Declining Debt relative to earnings before interest, taxes, depreciation Optimal: < 2x	7.72x Weak Weak Debt relative to earnings before interest, taxes, depreciation Optimal: < 2x	8.23x Weak Weak Debt relative to earnings before interest, taxes, depreciation Optimal: < 2x	—	—

📊 What does each share earn? 8 metrics

Metric	FY 2025 Dec 31, 2025 10-K ↗	FY 2024 Dec 31, 2024 10-K ↗	FY 2023 Dec 31, 2023 10-K ↗	FY 2022 Dec 31, 2022 10-K ↗	FY 2021 Dec 31, 2021 10-K ↗	FY 2020 Dec 31, 2020 10-K ↗	FY 2019 Dec 31, 2019 10-K ↗	FY 2018 Dec 31, 2018 10-K ↗	FY 2017 Dec 31, 2017 10-K ↗	FY 2016 Dec 31, 2016 10-K ↗	FY 2015 Dec 31, 2015 10-K ↗	FY 2014 Dec 31, 2014 10-K ↗	FY 2013 Dec 31, 2013 10-K ↗	FY 2012 Dec 31, 2012 10-K ↗	FY 2011 Dec 31, 2011 10-K ↗	FY 2010 Dec 31, 2010 10-K ↗
Revenue per Share (USD)	$14.63	$13.15	$10.70	$9.00	$8.19	$7.10	$6.76	$6.25	$5.62	$5.25	$4.85	$4.62	$4.54	$4.70	$4.43	—
Basic EPS, GAAP (USD)	$2.22	$1.75	$1.23	$3.48	$2.24	$1.45	$1.44	$1.19	$0.76	$1.01	$1.11	$0.84	$-0.31	$1.06	$0.33	—
Free Cash Flow per Share (USD)	$3.20	$3.65	$3.12	$2.86	$2.82	$2.53	$2.18	$2.19	$1.86	$2.02	—	—	—	—	—	—
Dividend per Share (USD)	$0.20	$0.20	$0.20	$0.20	$0.20	$0.20	$0.20	$0.10	$0.30	$0.40	$0.40	—	—	—	—	—
Book Value per Share (USD)	$10.07	$7.43	$9.08	$7.27	$6.48	$4.68	$3.71	$2.92	$1.99	$1.44	$1.31	$1.22	$1.42	$1.68	$5.05	—
Tangible Book Value per Share (USD)	$-4.38	$-4.00	$-3.02	$0.74	$1.01	$-0.83	$-1.84	$-2.53	$-3.51	$-3.67	$-3.60	$-3.52	$-3.34	$-3.43	$-0.08	—
Basic Weighted Avg Shares (shares)	63.70M	64.29M	64.93M	68.70M	72.05M	71.94M	72.10M	72.61M	72.48M	74.13M	77.07M	78.34M	78.91M	72.69M	72.54M	—
Dividend Payout Ratio (%)	9.0% Excellent ↓ Excellent Declining Dividends paid as a percentage of earnings Optimal: 30-60%	11.4% Excellent ↑ Excellent Improving Dividends paid as a percentage of earnings Optimal: 30-60%	16.3% Excellent ↑ Excellent Improving Dividends paid as a percentage of earnings Optimal: 30-60%	5.7% Excellent ↓ Excellent Declining Dividends paid as a percentage of earnings Optimal: 30-60%	8.9% Excellent ↓ Excellent Declining Dividends paid as a percentage of earnings Optimal: 30-60%	13.8% Excellent ↓ Excellent Declining Dividends paid as a percentage of earnings Optimal: 30-60%	13.9% Excellent ↓ Excellent Declining Dividends paid as a percentage of earnings Optimal: 30-60%	8.4% Excellent ↓ Excellent Declining Dividends paid as a percentage of earnings Optimal: 30-60%	39.5% Good → Good Stable Dividends paid as a percentage of earnings Optimal: 30-60%	39.6% Good Good Dividends paid as a percentage of earnings Optimal: 30-60%	36.0% Good Good Dividends paid as a percentage of earnings Optimal: 30-60%	—	—	—	—	—

🏦 How resilient is the balance sheet? 3 metrics

Metric	FY 2025 Dec 31, 2025 10-K ↗	FY 2024 Dec 31, 2024 10-K ↗	FY 2023 Dec 31, 2023 10-K ↗	FY 2022 Dec 31, 2022 10-K ↗	FY 2021 Dec 31, 2021 10-K ↗	FY 2020 Dec 31, 2020 10-K ↗	FY 2019 Dec 31, 2019 10-K ↗	FY 2018 Dec 31, 2018 10-K ↗	FY 2017 Dec 31, 2017 10-K ↗	FY 2016 Dec 31, 2016 10-K ↗	FY 2015 Dec 31, 2015 10-K ↗	FY 2014 Dec 31, 2014 10-K ↗	FY 2013 Dec 31, 2013 10-K ↗	FY 2012 Dec 31, 2012 10-K ↗	FY 2011 Dec 31, 2011 10-K ↗	FY 2010 Dec 31, 2010 10-K ↗
Working Capital (USD)	$305.73M	$249.41M	$263.04M	$180.72M	$283.47M	$206.05M	$131.70M	$79.49M	$21.49M	$29.10M	$32.22M	$38.09M	$-5.38M	$33.08M	—	—
LT Debt (USD)	$1.05B	$925.06M	$978.09M	$410.25M	$465.29M	$496.73M	$527.60M	$538.61M	$616.74M	$650.76M	$662.70M	$693.91M	$735.88M	$763.76M	—	—
Total Equity (USD)	$621.61M	$472.52M	$594.29M	$471.51M	$466.21M	$337.74M	$267.19M	$211.46M	$144.11M	$104.68M	$98.21M	$94.84M	$111.33M	$122.45M	$366.18M	$339.61M

📋 What is driving earnings? 4 metrics

Metric	FY 2025 Dec 31, 2025 10-K ↗	FY 2024 Dec 31, 2024 10-K ↗	FY 2023 Dec 31, 2023 10-K ↗	FY 2022 Dec 31, 2022 10-K ↗	FY 2021 Dec 31, 2021 10-K ↗	FY 2020 Dec 31, 2020 10-K ↗	FY 2019 Dec 31, 2019 10-K ↗	FY 2018 Dec 31, 2018 10-K ↗	FY 2017 Dec 31, 2017 10-K ↗	FY 2016 Dec 31, 2016 10-K ↗	FY 2015 Dec 31, 2015 10-K ↗	FY 2014 Dec 31, 2014 10-K ↗	FY 2013 Dec 31, 2013 10-K ↗	FY 2012 Dec 31, 2012 10-K ↗	FY 2011 Dec 31, 2011 10-K ↗	FY 2010 Dec 31, 2010 10-K ↗
Sales/Revenue/Turnover (USD)	$931.82M	$845.49M	$694.71M	$618.41M	$589.80M	$510.59M	$487.37M	$453.87M	$407.14M	$389.51M	$373.53M	$361.79M	$358.02M	$341.68M	$321.12M	—
Depreciation Expense (USD)	$22.30M	$22.30M	$21.60M	$18.50M	$17.40M	$17.40M	$16.60M	$14.50M	$14.70M	$14.20M	$15.10M	$15.50M	$16.20M	$16.40M	$15.30M	—
Net Income, GAAP (USD)	$141.59M	$112.62M	$79.72M	$239.01M	$161.13M	$104.44M	$103.47M	$86.27M	$55.05M	$75.04M	$85.38M	$66.16M	$-24.62M	$77.37M	$24.21M	—
Operating Cash Flow (USD)	$227.01M	$260.06M	$224.29M	$223.36M	$228.42M	$199.09M	$179.95M	$172.73M	$145.79M	$168.05M	—	—	—	—	—	—

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bar_chart Data from SEC EDGAR XBRL filings

Synced 1 week ago 16 years · 59 quarters

EVERTEC, Inc.

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16-Year Financial Trajectory

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