ScoreComparison
Company
Score
Quality
Valuation
Financial
Technical
Why is EVERTEC, Inc. ?
1
High Management Efficiency with a high ROCE of 20.01%
2
Strong ability to service debt as the company has a low Debt to EBITDA ratio of 1.57 times
3
Poor long term growth as Net Sales has grown by an annual rate of 12.78% over the last 5 years
4
Flat results in Jun 25
- OPERATING CASH FLOW(Y) Lowest at USD 214.84 MM
5
With ROE of 22.87%, it has a expensive valuation with a 4.35 Price to Book Value
- Over the past year, while the stock has generated a return of -14.55%, its profits have risen by 37.6% ; the PEG ratio of the company is 0.5
6
Below par performance in long term as well as near term
- Along with generating -14.55% returns in the last 1 year, the stock has also underperformed S&P 500 in the last 3 years, 1 year and 3 months
Real-Time Research ReportHow much should you hold?
- Overall Portfolio exposure to EVERTEC, Inc. should be less than 10%
- Overall Portfolio exposure to Regional Banks should be less than 30%
(If sector exposure > 30%, please use optimiser tool to see which are the best stocks to hold in Regional Banks)
When to exit? - We will constantly monitor the company and suggest at the appropriate time to exit from the stock
Is EVERTEC, Inc. for you?
Medium Risk, Low Return
Absolute
Risk Adjusted
Volatility
EVERTEC, Inc.
-14.55%
-0.26
32.79%
S&P 500
13.22%
0.65
20.20%
Quality
Management Risk
Growth
Capital StructureQuality key factors
Factor
Value
Sales Growth (5y)
12.78%
EBIT Growth (5y)
11.38%
EBIT to Interest (avg)
6.12
Debt to EBITDA (avg)
Negative Net Debt
Net Debt to Equity (avg)
0
Sales to Capital Employed (avg)
0
Tax Ratio
6.20%
Dividend Payout Ratio
11.56%
Pledged Shares
0
Institutional Holding
100.00%
ROCE (avg)
20.01%
ROE (avg)
30.54%
ValuationValuation Key Factors 
Factor
Value
P/E Ratio
19
Industry P/E
Price to Book Value
4.35
EV to EBIT
16.86
EV to EBITDA
9.78
EV to Capital Employed
2.53
EV to Sales
3.45
PEG Ratio
0.48
Dividend Yield
0.55%
ROCE (Latest)
15.03%
ROE (Latest)
22.87%
TechnicalsTechnical key factors
Indicator
Weekly
Monthly
MACD
Bearish
Bearish
RSI
No Signal
No Signal
Bollinger Bands
Mildly Bearish
Mildly Bearish
Moving Averages
Bearish (Daily)
KST
Bearish
Mildly Bullish
Dow Theory
Mildly Bullish
Mildly Bearish
OBV
No Trend
Mildly Bearish
Technical Indicator Scale: Bearish, Mildly Bearish, Sideways, Mildly Bullish, Bullish Turned 
Financial Trend15What is working for the Company
INTEREST COVERAGE RATIO(Q)
Highest at 491.14
RAW MATERIAL COST(Y)
Fallen by -3.39% (YoY
NET SALES(Q)
Highest at USD 229.61 MM
OPERATING PROFIT(Q)
Highest at USD 86.04 MM
OPERATING PROFIT MARGIN(Q)
Highest at 37.47 %
PRE-TAX PROFIT(Q)
Highest at USD 44.86 MM
NET PROFIT(Q)
Highest at USD 40.3 MM
EPS(Q)
Highest at USD 0.62
-2What is not working for the Company
OPERATING CASH FLOW(Y)
Lowest at USD 214.84 MM
Here's what is working for EVERTEC, Inc.
Interest Coverage Ratio
Highest at 491.14
in the last five periodsMOJO Watch
The company's ability to manage interest payments is improving
Operating Profit to Interest
Net Sales
Highest at USD 229.61 MM
in the last five periodsMOJO Watch
Near term sales trend is positive
Net Sales (USD MM)
Operating Profit
Highest at USD 86.04 MM
in the last five periodsMOJO Watch
Near term Operating Profit trend is positive
Operating Profit (USD MM)
Operating Profit Margin
Highest at 37.47 %
in the last five periodsMOJO Watch
Company's profit margin has improved
Operating Profit to Sales
Pre-Tax Profit
Highest at USD 44.86 MM
in the last five periodsMOJO Watch
Near term Pre-Tax Profit trend is positive
Pre-Tax Profit (USD MM)
Net Profit
Highest at USD 40.3 MM
in the last five periodsMOJO Watch
Near term Net Profit trend is positive
Net Profit (USD MM)
EPS
Highest at USD 0.62
in the last five periodsMOJO Watch
Increasing profitability; company has created higher earnings for shareholders
EPS (USD)
Raw Material Cost
Fallen by -3.39% (YoY)
MOJO Watch
The company's ability to pass on the cost of raw materials to customers has improved; this may lead to a rise in profit margin
Raw Material Cost as a percentage of Sales
Here's what is not working for EVERTEC, Inc.
Operating Cash Flow
Lowest at USD 214.84 MM
in the last three yearsMOJO Watch
The company's cash revenues from business operations are falling
Operating Cash Flows (USD MM)
InfinHub Market Technologies FZ-LLC, Building-2, Unit 112, Dubai Internet City, Dubai, United Arab Emirates
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