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 sell?
- All quantity irrespective of whether you are making profits or losses
(If sector exposure > 30%, please use optimiser tool to see which are the best stocks to hold in Regional Banks)
When to re-enter? - We will constantly monitor the company and review our call based on new data
Is EVERTEC, Inc. for you?
Medium Risk, Low Return
Absolute
Risk Adjusted
Volatility
EVERTEC, Inc.
-17.73%
-0.33
33.38%
S&P 500
15.76%
0.70
20.15%
Quality
Management Risk
Growth
Capital StructureQuality key factors
Factor
Value
Sales Growth (5y)
12.79%
EBIT Growth (5y)
10.30%
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
9.10%
Pledged Shares
0
Institutional Holding
100.00%
ROCE (avg)
20.01%
ROE (avg)
30.54%
ValuationValuation Key Factors 
Factor
Value
P/E Ratio
11
Industry P/E
Price to Book Value
2.71
EV to EBIT
12.46
EV to EBITDA
7.52
EV to Capital Employed
1.77
EV to Sales
2.63
PEG Ratio
0.25
Dividend Yield
0.77%
ROCE (Latest)
14.18%
ROE (Latest)
24.41%
TechnicalsTechnical key factors
Indicator
Weekly
Monthly
MACD
Mildly Bullish
Bearish
RSI
No Signal
No Signal
Bollinger Bands
Bullish
Mildly Bearish
Moving Averages
Mildly Bearish (Daily)
KST
Mildly Bullish
Bearish
Dow Theory
Mildly Bullish
Mildly Bearish
OBV
Mildly Bullish
Mildly Bullish
Technical Indicator Scale: Bearish, Mildly Bearish, Sideways, Mildly Bullish, Bullish Turned 
Financial Trend6What is working for the Company
INTEREST COVERAGE RATIO(Q)
Highest at 500.62
DIVIDEND PAYOUT RATIO(Y)
Highest at 56.82%
RAW MATERIAL COST(Y)
Fallen by -1.29% (YoY
NET SALES(Q)
Highest at USD 274.82 MM
OPERATING PROFIT(Q)
Highest at USD 102.45 MM
-16What is not working for the Company
DEBT-EQUITY RATIO
(HY)
Highest at 161.19 %
INTEREST(Q)
Highest at USD 20.46 MM
NET PROFIT(Q)
Lowest at USD 9.61 MM
EPS(Q)
Lowest at USD 0.09
Here's what is working for EVERTEC, Inc.
Interest Coverage Ratio
Highest at 500.62
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 274.82 MM
in the last five periodsMOJO Watch
Near term sales trend is positive
Net Sales (USD MM)
Operating Profit
Highest at USD 102.45 MM
in the last five periodsMOJO Watch
Near term Operating Profit trend is positive
Operating Profit (USD MM)
Dividend Payout Ratio
Highest at 56.82%
in the last five yearsMOJO Watch
Company is distributing higher proportion of profits generated as dividend
DPR (%)
Raw Material Cost
Fallen by -1.29% (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
Depreciation
Highest at USD 41.46 MM
in the last five periodsMOJO Watch
The expenditure on assets done by the company may have gone into operation
Depreciation (USD MM)
Here's what is not working for EVERTEC, Inc.
Net Profit
At USD 9.61 MM has Fallen at -76.14%
Year on Year (YoY)MOJO Watch
Near term Net Profit trend is very negative
Net Profit (USD MM)
Interest
At USD 20.46 MM has Grown at 16.56%
period on period (QoQ)MOJO Watch
Rising interest cost signifies increased borrowings
Interest Paid (USD MM)
Interest
Highest at USD 20.46 MM
in the last five periods and Increased by 16.56% (QoQ)MOJO Watch
Rising interest cost signifies increased borrowings
Interest Paid (USD MM)
Net Profit
Lowest at USD 9.61 MM
in the last five periodsMOJO Watch
Near term Net Profit trend is negative
Net Profit (USD MM)
EPS
Lowest at USD 0.09
in the last five periodsMOJO Watch
Declining profitability; company has created lower earnings for shareholders
EPS (USD)
Debt-Equity Ratio
Highest at 161.19 %
in the last five Semi-Annual periodsMOJO Watch
The company is borrowing more to fund its operations; it's liquidity situation may be stressed
Debt-Equity Ratio
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