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EVERTEC, Inc.

EVTC NYSE Services-Computer Processing & Data Preparation Financials FY2016–FY2025

Last close · Oct 23, 2026

$32.43

2.7%
Compare
Revenue Total sales reported in the income statement.
$932M
10.2% vs prior year
Operating margin Operating income as a share of revenue.
20.0%
0.4 pts
Net income Profit after all expenses, interest and tax.
$142M
25.7%
Free cash flow Cash from operations minus capital spending.
$204M
13.2%
Return on capital After-tax operating income as a share of the money invested in the business: debt plus equity, minus cash.
12.4%
1.4 pts
Market cap Last close times the latest diluted share count, so it is approximate.
$2.0B
Oct 23 close
P/E Last close divided by diluted earnings per share over the last four quarters.
20.9x
On $1.55 EPS (TTM)

What EVERTEC, Inc. does

No business description yet.

Legal name
EVERTEC, Inc.
Fiscal year ends
December 31, 2025
Latest annual report
10-K · Mar 2, 2026
Accession · CIK
0001559865-26-000012
0001559865

Revenue and margins

EVERTEC, Inc. had $932M of revenue in fiscal 2025, up 10.2% on the year before.

Revenue
Revenue
Margins, % of revenue
Gross Operating Net FCF
Margins, % of revenue
Gross Operating Net FCF

Net income and earnings per share

From fiscal 2016 to 2025, diluted EPS grew 9.0% a year. Loss periods are shown in red.

Net income
Net income
Diluted EPS
Diluted EPS

Returns on capital

After-tax operating income as a share of the money invested in the business: debt plus equity, minus cash.

Return on capital, equity and assets (annual)
Return on capital Return on equity Return on assets

Cash flow

Free cash flow was $204M in fiscal 2025, 21.9% of revenue. Cash from operations minus capital spending.

Free cash flow
Free cash flow
Cash from operations vs capital spending
Cash from operations Capital spending
Cash from operations vs capital spending
Cash from operations Capital spending

Dividends, buybacks and share count

EVERTEC, Inc. returned $82.1M to shareholders in fiscal 2025, 40% of free cash flow. The diluted share count fell 1.0%.

Dividends and buybacks
Dividends Buybacks
Dividends and buybacks
Dividends Buybacks
Diluted shares outstanding (annual)

Balance sheet

Cash, debt and the ratios that show how comfortably EVERTEC, Inc. can carry it.

Cash vs debt (incl. leases)
Cash Debt
Fiscal year endFY21FY22FY23FY24FY25
Cash and short-term investments $258M$185M$296M$274M$306M
Debt incl. finance leases $465M$430M$978M$949M$1.1B
Net debt / EBITDA 1.0x1.4x4.3x3.6x3.7x
Debt / equity 1.0x0.9x1.6x2.0x1.7x
Interest coverage 8.6x6.4x4.2x2.2x2.7x
Current ratio 2.9x1.9x1.9x1.9x2.1x
Quick ratio 2.9x1.9x1.9x1.9x2.1x
Total assets $1.1B$1.1B$2.1B$1.9B$2.2B
Total liabilities $674M$657M$1.4B$1.3B$1.5B
Shareholders' equity $466M$472M$594M$473M$622M
Net debt (− = net cash) $207M$245M$682M$675M$781M

Insider trades

Open-market purchases and sales by officers, directors and 10% owners, from Form 4 filings. 'Plan' marks trades under a pre-arranged Rule 10b5-1 plan.

Bought, 12 months

$0.0M

0 insiders

Sold, 12 months

$0.0M

0 insiders

Of sales under plans

—

$0.0M

No open-market insider trades in the last 12 months.

Piotroski F-score

Nine pass/fail tests of profitability, funding and efficiency. 8–9 is strong, 0–2 weak.

TestFY16FY17FY18FY19FY20FY21FY22FY23FY24FY25
Net income is positive ✓ ✓ ✓ ✓ ✓ ✓ ✓ ✓ ✓ ✓
Cash from operations is positive ✓ ✓ ✓ ✓ ✓ ✓ ✓ ✓ ✓ ✓
Return on assets rose — ✕ ✓ ✓ ✕ ✓ ✓ ✕ ✓ ✓
Cash from operations exceeds net income ✓ ✓ ✓ ✓ ✓ ✓ ✕ ✓ ✓ ✓
Debt fell relative to assets — ✓ ✓ ✓ ✓ ✓ ✓ ✕ ✕ ✓
Current ratio rose — ✕ ✓ ✓ ✓ ✓ ✕ ✓ ✓ ✓
Share count didn't rise — ✓ ✕ ✓ ✓ ✓ ✓ ✓ ✓ ✓
Gross margin rose — ✕ — — — — — — — —
Revenue rose relative to assets — ✓ ✓ ✕ ✕ ✓ ✓ ✕ ✓ ✕
F-score — / 36 / 97 / 87 / 86 / 88 / 86 / 85 / 87 / 87 / 8
Accruals ratio −10.5%−10.1%−9.4%−7.9%−9.1%−6.1%1.7%−8.2%−7.5%−4.2%
Altman Z'' 1.601.542.593.153.794.944.142.572.902.88

10 years of figures

US$ millions unless stated. Hover a ratio's name for its definition.

Download CSV
Fiscal yearFY16FY17FY18FY19FY20FY21FY22FY23FY24FY25
Income statement
Revenue $390M $407M $454M $487M $511M $590M $618M $695M $845M $932M
Net interest income −$24.2M −$29.1M −$29.3M −$27.6M −$23.6M −$20.9M −$21.7M −$23.8M — —
Provision for credit losses — — — — $0.8M $0.8M $0.8M $2.2M $0.9M $0.7M
Gross profit $387M $404M — — — — — — — —
Operating income $107M $86.1M $125M $145M $141M $197M $157M $136M $166M $186M
Interest expense $24.6M $29.9M $30.0M $28.8M $25.1M $22.8M $24.8M $32.3M $74.7M $68.3M
Pretax income $83.4M $60.2M $99.2M $117M $124M $182M $268M $85.4M $120M $154M
Income tax $8.3M $4.8M $12.6M $13.0M $19.0M $20.6M $29.0M $5.5M $4.8M $9.8M
Net income $75.0M $55.1M $86.3M $103M $104M $161M $239M $79.7M $113M $142M
Net income to common $75.0M $55.0M $86.3M $103M $104M $161M $239M $79.7M $113M $142M
Diluted EPS $1.01 $0.76 $1.16 $1.41 $1.43 $2.21 $3.45 $1.21 $1.73 $2.20
Diluted shares 0.07B 0.07B 0.07B 0.07B 0.07B 0.07B 0.07B 0.07B 0.07B 0.06B
Cash flow
Cash from operations $168M $146M $173M $180M $199M $228M $220M $211M $260M $227M
Capital expenditure $18.5M $11.3M $13.9M $23.0M $17.1M $25.1M $27.1M $21.4M $25.4M $23.3M
Free cash flow $150M $134M $159M $157M $182M $203M $193M $190M $235M $204M
Depreciation and amortization $14.2M $14.7M $14.5M $16.6M $17.4M $17.4M $18.5M $21.6M $22.3M $22.3M
Stock-based compensation $6.4M $9.6M $12.6M $13.6M $14.3M $14.8M $20.0M $25.7M $30.3M $29.6M
Acquisitions $15.6M $42.8M $0.0M $5.6M $0.0M $0.0M $44.4M $418M $34.0M $144M
Share buybacks $39.9M $7.7M $10.0M $31.8M $7.3M $24.4M $96.6M $36.1M $82.3M $69.3M
Dividends paid $29.7M $21.8M $7.3M $14.4M $14.4M $14.4M $13.8M $13.0M $12.9M $12.8M
Dividends and buybacks $69.6M $29.4M $17.3M $46.2M $21.7M $38.8M $110M $49.1M $95.2M $82.1M
Balance sheet
Cash and short-term investments $51.9M $50.4M $70.0M $111M $203M $258M $185M $296M $274M $306M
Total debt $679M $629M $539M $528M $497M $465M $430M $978M $949M $1.1B
Finance lease liabilities — — — $0.3M — — — — — —
Current assets $158M $169M $216M $276M $359M $436M $389M $561M $529M $591M
Current liabilities $129M $147M $137M $144M $153M $153M $208M $298M $280M $285M
Property and equipment, net $38.9M $37.9M $36.8M $43.8M $43.5M $48.5M $56.4M $62.5M $62.1M $64.4M
Goodwill $371M $399M $395M $399M $398M $393M $423M $792M $727M $892M
Intangible assets $299M $280M $259M $242M $220M $213M $200M $518M $431M $553M
Total assets $886M $903M $927M $1.0B $1.1B $1.1B $1.1B $2.1B $1.9B $2.2B
Total liabilities $777M $755M $712M $740M $730M $674M $657M $1.4B $1.3B $1.5B
Preferred stock $0.0M $0.0M $0.0M $0.0M $0.0M $0.0M $0.0M $0.0M $0.0M $0.0M
Shareholders' equity $105M $144M $211M $267M $338M $466M $472M $594M $473M $622M
Margins
Gross margin 99.4% 99.3% — — — — — — — —
Operating margin 27.5% 21.1% 27.6% 29.6% 27.7% 33.3% 25.5% 19.6% 19.6% 20.0%
EBITDA margin 31.2% 24.8% 30.8% 33.1% 31.1% 36.3% 28.4% 22.7% 22.2% 22.4%
Net margin 19.3% 13.5% 19.0% 21.2% 20.5% 27.3% 38.6% 11.5% 13.3% 15.2%
FCF margin 38.4% 33.0% 35.0% 32.2% 35.6% 34.5% 31.2% 27.3% 27.8% 21.9%
Net interest share of revenue −6.2% −7.2% −6.4% −5.7% −4.6% −3.5% −3.5% −3.4% — —
Returns
Return on capital 13.2% 11.0% 16.1% 18.8% 18.9% 25.9% 19.6% 10.0% 13.8% 12.4%
Return on capital employed 14.2% 11.4% 15.8% 16.7% 15.4% 19.8% 17.0% 7.7% 10.5% 9.5%
Return on equity 71.7% 44.3% 48.5% 43.2% 34.5% 40.1% 51.0% 15.0% 21.1% 25.9%
Return on assets 8.5% 6.2% 9.4% 10.7% 10.0% 14.5% 21.0% 5.0% 5.7% 6.9%
Growth
Revenue growth — 4.5% 11.5% 7.4% 4.8% 15.5% 4.9% 12.3% 21.7% 10.2%
Net income growth — −26.6% 56.7% 19.9% 0.9% 54.3% 48.3% −66.6% 41.3% 25.7%
EPS growth — −24.8% 52.6% 21.6% 1.4% 54.5% 56.1% −64.9% 43.0% 27.2%
FCF growth — −10.1% 18.1% −1.2% 16.0% 11.7% −5.2% −1.6% 23.7% −13.2%
Share count change — −2.2% 2.1% −1.3% −0.6% −0.2% −4.9% −5.0% −1.1% −1.0%
Financial health
Net debt / EBITDA 5.2x 5.7x 3.4x 2.6x 1.9x 1.0x 1.4x 4.3x 3.6x 3.7x
Debt / equity 6.5x 4.4x 2.5x 2.0x 1.5x 1.0x 0.9x 1.6x 2.0x 1.7x
Interest coverage 4.4x 2.9x 4.2x 5.0x 5.6x 8.6x 6.4x 4.2x 2.2x 2.7x
Current ratio 1.2x 1.1x 1.6x 1.9x 2.3x 2.9x 1.9x 1.9x 1.9x 2.1x
Quick ratio 1.2x 1.1x 1.6x 1.9x 2.3x 2.9x 1.9x 1.9x 1.9x 2.1x
Capital allocation
Capex / revenue 4.7% 2.8% 3.1% 4.7% 3.3% 4.3% 4.4% 3.1% 3.0% 2.5%
Stock comp / revenue 1.6% 2.4% 2.8% 2.8% 2.8% 2.5% 3.2% 3.7% 3.6% 3.2%
Payouts / FCF 46.6% 21.9% 10.9% 29.5% 11.9% 19.1% 57.2% 25.9% 40.6% 40.3%
Quality scores
Piotroski F-score — 6.0 7.0 7.0 6.0 8.0 6.0 5.0 7.0 7.0
Altman Z'' 1.6 1.5 2.6 3.1 3.8 4.9 4.1 2.6 2.9 2.9
Accruals ratio −10.5% −10.1% −9.4% −7.9% −9.1% −6.1% 1.7% −8.2% −7.5% −4.2%

Source: SEC EDGAR XBRL filings (CIK 0001559865). Data updated October 24, 2026. Quarterly fourth quarters are the full year minus the first nine months. For information only — not investment advice. Check the original filings before relying on any figure.

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