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 -17.24%, 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 -17.24% 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.
-25.69%
-0.33
33.38%
S&P 500
13.68%
0.70
20.15%
Quality
Management Risk
Growth
Capital StructureQuality key factors
Factor
Value
Sales Growth (5y)
12.40%
EBIT Growth (5y)
10.94%
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
12
Industry P/E
Price to Book Value
2.74
EV to EBIT
12.33
EV to EBITDA
7.65
EV to Capital Employed
1.93
EV to Sales
2.66
PEG Ratio
0.12
Dividend Yield
0.71%
ROCE (Latest)
15.67%
ROE (Latest)
22.54%
TechnicalsTechnical key factors
Indicator
Weekly
Monthly
MACD
Mildly Bullish
Bearish
RSI
No Signal
No Signal
Bollinger Bands
Mildly Bearish
Bearish
Moving Averages
Bearish (Daily)
KST
Mildly Bullish
Bearish
Dow Theory
Mildly Bullish
No Trend
OBV
No Trend
Mildly Bullish
Technical Indicator Scale: Bearish, Mildly Bearish, Sideways, Mildly Bullish, Bullish Turned 
Financial Trend8What is working for the Company
ROCE(HY)
Highest at 25.05%
CASH AND EQV(HY)
Highest at USD 822.34 MM
NET PROFIT(Q)
Highest at USD 40.77 MM
-2What is not working for the Company
RAW MATERIAL COST(Y)
Grown by 7.84% (YoY
OPERATING PROFIT MARGIN(Q)
Lowest at 33.21 %
Here's what is working for EVERTEC, Inc.
Net Profit
Highest at USD 40.77 MM
in the last five periodsMOJO Watch
Near term Net Profit trend is positive
Net Profit (USD MM)
Net Profit
At USD 40.77 MM has Grown at 58.58%
Year on Year (YoY)MOJO Watch
Near term Net Profit trend is positive
Net Profit (USD MM)
Cash and Eqv
Highest at USD 822.34 MM
in the last six Semi-Annual periodsMOJO Watch
Short Term liquidity is improving
Cash and Cash Equivalents
Here's what is not working for EVERTEC, Inc.
Operating Profit Margin
Lowest at 33.21 %
in the last five periodsMOJO Watch
Company's profit margin has deteriorated
Operating Profit to Sales
Raw Material Cost
Grown by 7.84% (YoY)
MOJO Watch
The company's ability to pass on the cost of raw materials to customers has deteriorated; this may lead to a fall in profit margin
Raw Material Cost as a percentage of Sales
Non Operating Income
Highest at USD 0.39 MM
in the last five periodsMOJO Watch
Increased income from non business activities may not be sustainable
Non Operating income
InfinHub Market Technologies FZ-LLC, Building-2, Unit 112, Dubai Internet City, Dubai, United Arab Emirates
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