Is EVERTEC, Inc. overvalued or undervalued?

As of 29 August 2025, the valuation grade for EVERTEC, Inc. has moved from very expensive to expensive, indicating a slight improvement in perceived value. The company is currently considered overvalued based on its financial metrics. Key ratios include a P/E ratio of 19, a Price to Book Value of 4.35, and an EV to EBITDA ratio of 9.78, which suggest that the stock is trading at a premium compared to its earnings and book value.
In comparison to its peers, EVERTEC's P/E ratio of 16.33 is higher than that of Hancock Whitney Corp., which stands at 12.21, indicating that EVERTEC may be overvalued relative to this competitor. Additionally, Glacier Bancorp, Inc. has a significantly higher P/E of 26.08, reinforcing the notion that while EVERTEC is expensive, it is not the highest in its peer group. Over the past year, EVERTEC has underperformed the S&P 500, with a return of -0.44% compared to the index's 17.14%, further suggesting that the stock may not justify its current valuation.