EVERTEC, Inc.
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Range $34 – $34
Price Chart
About the company
EVERTEC, Inc. specializes in transaction processing services, with a strong presence throughout Latin America and the Caribbean. The company's operations are divided into distinct segments: Payment Services for Puerto Rico & the Caribbean, Payment Services for Latin America, Merchant Acquiring, Business Solutions, and Corporate & Other.
- CEO
- Morgan Schuessler Jr.
- IPO
- 2013
- Employees
- 5,327
- HQ
- San Juan, PR, US
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Similar companies
Peers in the same neighborhood.
- Market Cap
- $1.83B
- P/E
- 19.38
- Fwd P/E
- 7.44
- PEG
- -0.68
- P/S
- 1.85
- P/B
- 2.83
- EV/EBITDA
- 8.06
- Div Yield
- 0.67%
- Gross Margin
- 43.36%
- Op Margin
- 17.93%
- Net Margin
- 9.80%
- ROE
- 15.04%
- ROIC
- 6.45%
Latest fiscal year · YoY change
- Revenue
- $931.82M+10.2%
- Gross Profit
- $462.69M+5.4%
- Op Income
- $186.44M
- Net Income
- $141.59M+25.7%
- EPS
- $2.22+26.9%
- OCF Growth
- -12.7%
- FCF Growth
- -21.1%
- 52W High
- $36.91
- 52W Low
- $21.81
- 50D MA
- $28.95
- 200D MA
- $28.27
- Beta
- 0.70
- RSI (14)
- 49
- Avg Volume
- 567.67K
Earnings call summaries
Pick a quarter — each call distilled into takeaways, results, and a bull vs bear read.
EVERTEC delivered a strong Q2 with 20% revenue growth, higher adjusted earnings, and a raised full-year outlook, driven by organic wins, acquisitions, and foreign exchange.· August 6, 2026
- Revenue rose to about $275 million, up 20% year over year; constant-currency revenue grew about 16%.
- Adjusted EBITDA was about $109 million, up 18%, with adjusted EBITDA margin at 39.8%; adjusted EPS increased to $1.05 from $0.89.
- Management raised 2026 guidance: reported revenue to $1.085 billion-$1.095 billion and constant-currency revenue growth to 14.5%-15.6%.
- Puerto Rico remained resilient, with Merchant Acquiring revenue up 11% and Payment Services up 8%; Latin America revenue jumped 52% reported and 42% constant currency.
- The company highlighted major commercial wins in Transbank and Clip, plus completed acquisitions of Dimensa and BBChain, while also addressing and remediating a June cybersecurity incident.
Second-quarter revenue was approximately $275 million, up 20% year over year; on a constant-currency basis, revenue grew approximately 16%. Adjusted EBITDA was approximately $109 million, up 18% year over year, and adjusted EBITDA margin was 39.8% versus 40.3% last year. Adjusted net income increased 12% to $65 million, and adjusted EPS rose to $1.05 from $0.89, up 18%. For full-year 2026, the company now expects reported revenue of $1.085 billion to $1.095 billion (16.4% to 17.5% growth), constant-currency revenue growth of 14.5% to 15.6%, adjusted EBITDA margin of 39% to 40%, adjusted EPS growth of 8.8% to 11.7% from $3.62 in 2025, effective tax rate of about 11% to 12%, and capex of $90 million. Management also said total liquidity was about $420 million at quarter-end, unrestricted cash was $261 million, and net debt to trailing 12-month adjusted EBITDA was about 2.55x.
Mac Schuessler emphasized that EVERTEC is executing a balanced strategy of organic growth, acquisitions, and disciplined capital allocation. He framed Transbank as one of the most important commercial wins in company history and said it validates EVERTEC’s technology and deepens its strategic relevance in Chile. He also highlighted Clip, Metropistas, Dimensa, BBChain, and AI initiatives as evidence that the platform is broadening and that the company sees additional long-term growth and profitability opportunities.
Karla Cruz-Jusino walked through the quarter’s financial performance, noting 20% reported revenue growth to $275 million, 18% adjusted EBITDA growth to $109 million, and adjusted EBITDA margin of 39.8%. She said adjusted net income was $65 million and adjusted EPS was $1.05, while segment margins reflected the mix shift toward Latin America and the lower-margin Dimensa contribution. On cash and capital allocation, she said the company generated $91 million of operating cash flow through Q2, spent about $199 million on Dimensa, returned $73 million to shareholders, ended with $261 million of unrestricted cash, and had roughly $420 million of total liquidity; she also said the weighted average interest rate was about 6% and leverage was 2.55x, within the target range.
Analysts focused heavily on the Transbank win, asking about its economic significance, timing, and how it compares with prior Chile relationships. Management said it is a multi-year migration deal that should begin contributing in the second half of 2027 and fully ramp in 2028, and explained that Chile still has legacy bank-owned acquiring infrastructure, which creates room for these conversion opportunities. Questions also centered on Mexico, Dimensa integration, and the drivers of Puerto Rico merchant growth; management said Mexico remains very small but strategically important, Dimensa is meeting or slightly exceeding expectations, and the Q2 merchant growth benefited from new merchants, pricing actions, tax relief, and resilient consumer spend.
The quarter showed broad-based momentum: Puerto Rico stayed solid, Latin America accelerated sharply, and the company raised full-year guidance across revenue and EPS. Management sounded confident about major new contracts and acquisitions, with Transbank described as a milestone win and Dimensa already tracking at or above expectations. The balance sheet and liquidity remain intact, and the company kept returning capital while funding growth.
Several benefits in the quarter were not fully recurring, including a Puerto Rico tax-relief tailwind and a nonrecurring volume-based benefit in Payment Services. Business Solutions remains pressured by the Popular discount and additional delays in new business wins, and management acknowledged the segment will decline in the mid-single digits for 2026. The company also flagged higher interest expense, D&A, noncontrolling interest, and tax complexity from Latin America, plus ongoing remediation work tied to the June cybersecurity incident.
AI summary of the company's earnings call · Paraphrased · Not investment advice
- Free Float
- 97.6%
- Shares Outstanding
- 61.62M
- Float Shares
- 60.13M
of shares held by institutions
261 13F filers
Buy/sell ratio 0.00. Sells can include pre-scheduled 10b5-1 plan sales, not just discretionary selling.
Congressional trading
Senate and House stock disclosures for EVTC, newest first.
Source: public STOCK Act disclosures. Filed weeks after the trade — a lagging signal, not a real-time one.
Top institutional holders
Largest 13F positions, with quarter-over-quarter change.
| Holder | Shares | Δ Quarter |
|---|---|---|
| Blackrock, Inc. | 9.16M | ▼ 137.82K |
| Fmr LLC | 8.80M | ▼ 458.18K |
| Vanguard Group Inc | 7.11M | ▼ 58.88K |
| American Century Companies Inc | 5.19M | ▲ 139.69K |
| Vanguard Capital Management LLC | 2.77M | ▼ 90.50K |
| Kayne Anderson Rudnick Investment Management LLC | 2.71M | ▼ 346.81K |
| State Street Corp | 2.60M | ▲ 102.31K |
| Fuller & Thaler Asset Management, Inc. | 2.06M | ▲ 224.64K |
| Geode Capital Management, LLC | 1.57M | ▲ 30.82K |
| Dimensional Fund Advisors LP | 1.43M | ▼ 139.56K |
| Price T Rowe Associates Inc | 949.59K | ▲ 286.92K |
| Heartland Advisors Inc | 840.40K | ▲ 590.40K |
Held by 326 ETFs
Biggest fund positions in EVTC by dollar value.
Recent insider transactions
Who's buying, who's selling, and how much.
| Date | Insider | Type | Shares |
|---|---|---|---|
| Aug 14, 26 | Perez-Surillo Paola | sell | 17,486 |
| Aug 12, 26 | Viglianco Diego | sell | 27,570 |
| Aug 11, 26 | Polak Aldo J. | sell | 1,000 |
| Jun 12, 26 | SMITH BRIAN JOHN | buy | 16,202 |
| Jun 3, 26 | Pagan Ivan | other | 822 |
| May 21, 26 | SMITH BRIAN JOHN | other | 10,344 |
| May 21, 26 | SCHUMACHER ALAN H | other | 6,997 |
| May 21, 26 | Polak Aldo J. | other | 6,997 |
| May 21, 26 | Pagan Ivan | other | 6,997 |
| May 21, 26 | JUNQUERA JORGE A | other | 10,344 |
A “Sell” may be a pre-scheduled 10b5-1 plan sale rather than a discretionary decision — read insider selling with that in mind.
Our EVTC coverage
Recent articles, reports, and earnings notes.
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