US · EVTC
EVERTEC, Inc.
- Sector
- Technology · Software - Infrastructure
- Headquarters
- San Juan, PR 00926
- Website
- evertecinc.com
Price · as of 2025-12-31
$29.20
Market cap 1.81B
Valuation summary
Four models, one snapshot. Upside is target ÷ current − 1.
| Valuation method | Value, $ | Upside, % |
|---|---|---|
| Artificial Intelligence(AI) | $16,190.38 | +55,346.51% |
| Intrinsic Value(DCF) | $3,728.16 | +12,667.67% |
| Graham-Dodd Method(GD) | — | — |
| Graham Formula(GF) | $40.16 | +37.52% |
Valuation history
Annual price (USD per share) overlaid with each model's fair value. Y-axis is log scale.
| Year | Price | AI | DCF | Graham-Dodd | Graham Formula |
|---|---|---|---|---|---|
| 2011 | |||||
| 2012 | $0.00 | $15.16 | |||
| 2013 | $22.05 | $33.19 | $2.20 | $0.00 | $0.00 |
| 2014 | $20.04 | $32.94 | $0.43 | $0.00 | $7.83 |
| 2015 | $12.89 | $30.39 | $0.37 | $0.00 | $10.83 |
| 2016 | $15.39 | $32.45 | $2.63 | $0.00 | $12.49 |
| 2017 | $16.54 | $32.98 | $1.54 | $0.00 | $9.52 |
| 2018 | $26.69 | $42.86 | $7.64 | $1.92 | $22.62 |
| 2019 | $27.91 | $42.29 | $10.70 | $2.34 | $21.83 |
| 2020 | $36.82 | $46.45 | $7.82 | $3.43 | $18.47 |
| 2021 | $38.01 | $50.73 | $24.79 | $9.19 | $51.55 |
| 2022 | $33.47 | $50.05 | $11.30 | $15.09 | $44.26 |
| 2023 | $37.30 | $50.26 | $13.88 | $0.09 | $24.55 |
| 2024 | $37.10 | $51.66 | $56.29 | $1.80 | $50.77 |
| 2025 | $28.35 | $16,190.38 | $6,171.34 | $0.00 | $40.16 |
AI valuation
Our deep-learning model estimates EVERTEC, Inc.'s (EVTC) per-share fair value from quarterly fundamentals, sector trend, and historical valuation patterns.
- AI fair value
- $16,190.38
- Current price
- $29.20
- AI upside
- +55,346.51%
Methodology and confidence bands appear in the dedicated valuation theory section. The AI score is an estimate, not a recommendation.
Intrinsic value (DCF)
Open DCF calculatorThree textbook valuation models, recomputed daily from the latest financial statements. The DCF uses our Chepakovich model. Graham-Dodd and Graham Formula are conservative reference points.
DCF
$3,728.16
+12,667.67% upside
Graham-Dodd
—
— upside
Graham Formula
$40.16
+37.52% upside
Peer comparison
Same-industry comparables, ranked by market cap.
| Basic Info | Model Valuation | Core Valuation | Profitability | Leverage & Liquidity | Growth | Cash Flow | Dividends | Enterprise Value | Risk | ||||||||||||||||||||||||||||
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Ticker | Company Name | Price | Market Cap | AI Upside | DCF Upside | GD Upside | GF Upside | P/E | P/B | P/S | EV/EBITDA | PEG | P/TBV | Gross Margin | Operating Margin | Net Margin | ROE | ROIC | ROA | Debt/Equity | Interest Coverage | Current Ratio | Quick Ratio | Net Debt/EBITDA | EPS Growth | Sales Growth | FCF Growth | FCF Yield | Op Cash Flow Ratio | Cash ROIC | Dividend Yield | Dividend Payout | Shareholder Yield | EV/EBIT | EV/FCF | EV/Sales | Altman Z-Score |
| EVTC | EVERTEC, Inc. | $29.20 | 1.81B | +55,347% | +12,668% | — | +38% | 0.01 | 0.00 | 1.92 | 2574.15 | 0.04 | 0.00 | 36.55% | 20.01% | 15.20% | 40.47% | 0.02% | 12.88% | 1.56 | 2.73 | 2.07 | 1.65 | 2568.48 | 2775.00% | 1021.00% | 13216457.00% | 12696.30% | 0.80 | 29.77% | 714.83% | 8.80% | 4590.33% | 4354.62 | 3.58 | 871.28 | 0.16 |
| DV | DoubleVerify Holdings, In… | $10.54 | 1.72B | +257% | -59% | -49% | -36% | 33.68 | 1.51 | 2.28 | 10.97 | — | 3.32 | 82.16% | 10.58% | 6.77% | 4.57% | 5.28% | 3.85% | 0.09 | 45.70 | 4.27 | 3.95 | -1.13 | -625.00% | 1392.00% | 3029.00% | 10.12% | 1.74 | 18.80% | 0.00% | 0.00% | 0.14% | 19.53 | 8.96 | 2.07 | 6.01 |
| FIVN | Five9, Inc. | $17.44 | 1.36B | +345% | -32% | -54% | -48% | 34.35 | 1.72 | 1.18 | 9.18 | — | 3.68 | 54.65% | 2.84% | 3.43% | 5.60% | 3.21% | 2.05% | 1.08 | 2.32 | 4.09 | 3.91 | 3.75 | -37059.00% | 1028.00% | 15618.00% | 14.86% | 1.06 | 22.54% | 0.00% | 0.00% | 22.56% | 46.11 | 7.48 | 1.31 | 1.66 |
| MQ | Marqeta, Inc. | $3.84 | 1.72B | +673% | -28% | -70% | — | -129.11 | 2.36 | 2.88 | 53.50 | — | 3.23 | 11.15% | -4.67% | -2.23% | -1.51% | 19.44% | -0.93% | 0.03 | — | 1.65 | 1.61 | -69.39 | -15703.00% | 2325.00% | 18840.00% | 8.94% | 0.22 | -107.21% | 0.00% | 0.00% | 24.56% | -25.39 | 4.60 | 1.18 | 1.40 |
| NTCT | NetScout Systems, Inc. | $29.21 | 2.11B | +11% | -67% | — | — | -4.56 | 1.07 | 2.03 | -4.26 | -3.16 | 7.42 | 78.27% | -44.68% | -44.60% | -21.26% | -26.29% | -15.35% | 0.05 | -51.34 | 1.75 | 1.61 | 1.29 | 14444.00% | -82.00% | 30205.00% | 12.61% | 0.53 | 15.09% | 0.00% | 0.00% | 11.93% | -3.42 | 5.96 | 1.53 | 1.56 |
| PAYO | Payoneer Global Inc. | $4.32 | 1.54B | +924% | -27% | -36% | -28% | 22.60 | 2.35 | 1.57 | -34.80 | — | 3.95 | 78.07% | 11.84% | 6.95% | 10.24% | -2.25% | 0.87% | 0.00 | — | 1.00 | 0.99 | -2.29 | -3871.00% | 768.00% | 7730.00% | 12.49% | 0.03 | -5.90% | 0.00% | 0.00% | 10.49% | -50.58 | -30.52 | -5.99 | 0.32 |
| PGY | Pagaya Technologies Ltd. | $11.19 | 899.63M | +324% | +1,034% | -1% | +203% | 10.91 | 1.85 | 0.70 | 18.64 | — | 1.98 | 40.61% | 17.74% | 6.45% | 20.18% | 23.24% | 5.74% | 1.92 | — | 5.62 | 5.62 | 7.77 | -11643.00% | 2556.00% | 41918.00% | 25.30% | 3.04 | 23.33% | 0.00% | 0.00% | 0.00% | 6.80 | 6.78 | 1.21 | 1.33 |
| PLUS | ePlus inc. | $80.66 | 2.13B | +12% | +19% | -38% | -93% | 17.29 | 1.91 | 0.90 | 9.35 | — | 2.69 | 26.61% | 6.84% | 5.22% | 11.49% | 13.62% | 6.10% | 0.13 | 63.96 | 1.71 | 1.42 | -1.52 | -624.00% | -703.00% | 2317.00% | 15.83% | 0.38 | 39.23% | 0.00% | 0.00% | 10.52% | 11.35 | 5.43 | 0.78 | 3.57 |
| PRGS | Progress Software Corpora… | $41.88 | 1.8B | +76% | +145% | — | +49% | 25.27 | 3.86 | 1.89 | 16.33 | 324.36 | -1.31 | 80.82% | 15.68% | 7.48% | 15.95% | 8.81% | 2.93% | 1.78 | 2.16 | 0.49 | 0.45 | 4.74 | 779.00% | 2979.00% | 1124.00% | 12.42% | 0.29 | 14.72% | 0.04% | 1.10% | 42.92% | 16.99 | 11.35 | 2.66 | 1.04 |
| RAMP | LiveRamp Holdings, Inc. | $27.17 | 1.73B | +110% | -42% | -75% | — | -883.39 | 2.33 | 2.96 | 45.40 | — | 5.18 | 71.04% | 0.72% | -0.11% | -0.26% | 0.36% | -0.20% | 0.04 | 31.98 | 2.65 | 2.49 | -9.38 | -10712.00% | 1302.00% | 4983.00% | 7.00% | 0.63 | 26.06% | 0.00% | 0.00% | 8.31% | 337.84 | 11.81 | 2.45 | 6.73 |
| TDC | Teradata Corporation | $31.49 | 2.98B | +70% | -57% | -84% | -85% | 22.08 | 12.48 | 1.73 | 9.76 | 134.82 | -13.61 | 59.71% | 12.69% | 7.82% | 71.63% | 52.50% | 7.46% | 2.44 | — | 0.92 | 0.81 | 0.23 | 1638.00% | -497.00% | 325.00% | 9.96% | 0.33 | 97.44% | 0.00% | 0.00% | 7.94% | 13.93 | 10.28 | 1.77 | 0.87 |
About EVERTEC, Inc.
EVERTEC, Inc. engages in transaction processing business in Latin America and the Caribbean. The company operates through Payment Services - Puerto Rico & Caribbean; Payment Services - Latin America; Merchant Acquiring; Business Solutions, and Corporate and Other segments. It provides merchant acquiring services, which enable point of sales and e-commerce merchants to accept and process electronic methods of payment, such as debit, credit, prepaid, and electronic benefit transfer (EBT) cards. The company also offers payment processing services that enable financial institutions and other issuers to manage, support, and facilitate the processing for credit, debit, prepaid, automated teller machines, and EBT card programs; credit and debit card processing, authorization and settlement, and fraud monitoring and control services to debit or credit issuers; and EBT services. In addition, it provides business process management solutions comprising core bank processing, network hosting and management, IT consulting, business process outsourcing, item and cash processing, and fulfillment solutions to financial institutions, and corporate and government customers. Further, the company owns and operates the ATH network, an automated teller machine and personal identification number debit networks. It manages a system of electronic payment networks that process approximately three billion transactions. The company sells and distributes its services primarily through direct sales force. It serves financial institutions, merchants, corporations, and government agencies. EVERTEC, Inc. was founded in 1988 and is headquartered in San Juan, Puerto Rico.
- CEO
- Morgan Schuessler Jr.
- Employees
- 4.8K
- Beta
- 0.86
Disclaimer: Information on this page is provided for educational purposes only and does not constitute investment advice. Upside computed as ($3,728.16 ÷ $29.20) − 1 = +12,667.67% (DCF, example).