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Puerto Rico-based payment processing and transaction technology company serving banks, merchants and government agencies.
Puerto Rico-based payment processing and transaction technology company serving banks, merchants and government agencies.
Earns fees each time a card is processed and each time a debit-network (ATH) transaction passes, plus multi-year fees for running core banking systems for banks. Popular, Puerto Rico's largest bank and its former parent, is its biggest client under a long contract.
Moat: narrow (scale, installed base, regulatory licence). Dominant ATH debit network position and long-term bank processing contracts in Puerto Rico create high barriers.
Headquarters: San Juan, Puerto Rico · Founded: 2004 · Employees: 5,327
Size EVERTEC (EVTC) is a United States Financials company (Miscellaneous Commercial Services) with a market value of $2.00B, the 1786th largest of 3,117 United States companies the cockpit tracks. Shares closed at $33.55 on 6 Nov 2026.
Performance Over six months the shares gained 39.7%, against +11.4% for the median peer and -1.1% for the United States market (cap-weighted) — 3rd highest of 16 in its peer set.
Growth Revenue grew 16.3% over the last twelve months (peer median +17.2%); the operating margin is 19.8% (peer median 10.4%).
Valuation It trades at 7.8× forward earnings against a peer median of 19.2× (5th cheapest of 15).
Backlog Backlog (remaining performance obligations) was $817M at 30 Sep 2024, down 10% on a year earlier — 1.0 years of trailing revenue. Backlog detail →
Short interest Short interest is 4.5% of the free float (15 Oct 2026).
Next results Next results expected around 3 Mar 2027 (exchange calendar; dates can move).
| TTM | FY2025 | FY2024 | FY2023 | FY2022 | |
|---|---|---|---|---|---|
| Revenue | $1.05B | $932M | $845M | $695M | $618M |
| Revenue growth | — | +10% | +22% | +12% | — |
| Gross profit | $400M | $341M | $311M | $264M | $247M |
| EBITDA | $371M | $325M | $296M | $236M | $242M |
| Net income | $94.6M | $142M | $113M | $79.7M | $239M |
| Free cash flow | $222M | $204M | $235M | $203M | $196M |
| Capital expenditure | $98.5M | $91.5M | $88.4M | $85.0M | $82.5M |
| Total debt | $1.31B | $1.13B | $967M | $986M | $447M |
The default views of Competitor Analysis ▸ Charts, drawn from the same data. Open them in the cockpit to change the axes, pin companies and read every value.
| Company | Market cap | 6M return | Revenue growth | Op. margin | Forward P/E | Req g |
|---|---|---|---|---|---|---|
| EVERTEC EVTC | $2.00B | +40% | +16% | 20% | 7.8× | n/a |
| Fiserv FISV | $33.4B | +13% | -2% | 19% | 8.2× | n/a |
| Global Payments GPN | $25.8B | +41% | +7% | 21% | 6.3× | n/a |
| Fidelity National Information Services FIS | $14.8B | -33% | +24% | 22% | 5.1× | n/a |
Peer set: Industry: the same industry and sector in any market, nearest in size. This is the same default set the interactive Competitor Analysis opens with.
| Measure | EVTC | Peer median | Rank in peer set |
|---|---|---|---|
| 1-month return | +14.3% | +1.0% | 3rd highest of 16 |
| 6-month return | +39.7% | +11.4% | 3rd highest of 16 |
| Distance from 52-week high | -4.9% | -16.6% | 3rd highest of 16 |
| Revenue growth (TTM) | +16.3% | +17.2% | 8th lowest of 16 |
| Operating margin | 19.8% | 10.4% | 4th highest of 16 |
| Forward P/E | 7.8× | 19.2× | 5th cheapest of 15 |
| Company | Market | Market cap | 6M return | Revenue growth | Op. margin | Forward P/E | Req g | Delivered g |
|---|---|---|---|---|---|---|---|---|
| EVERTEC EVTC | United States | $2.00B | +40% | +16% | 20% | 7.8× | n/a | n/a |
| Marqeta MQ | United States | $1.93B | +11% | +17% | 2% | 38.5× | n/a | n/a |
| PagSeguro Digital PAGS | United States | $2.11B | -25% | +11% | 38% | 4.5× | n/a | n/a |
| StoneCo STNE | United States | $1.83B | -30% | -30% | -130% | 3.7× | n/a | n/a |
| Payoneer Global PAYO | United States | $2.42B | +39% | +6% | 12% | 33.9× | n/a | n/a |
| Flywire FLYW | United States | $2.62B | +25% | +31% | 9% | 33.9× | n/a | n/a |
| Euronet Worldwide EEFT | United States | $2.65B | +3% | +5% | 11% | 6.2× | n/a | n/a |
| Shift4 Payments FOUR | United States | $3.47B | +3% | +32% | 10% | 8.4× | n/a | n/a |
| Paymentus PAY | United States | $3.70B | +20% | +26% | 8% | 32.3× | n/a | n/a |
| Katapult KPLT | United States | $939M | +64% | +13% | 17% | n/a | n/a | n/a |
| PicS PICS | United States | $889M | -44% | +89% | 6% | 2.8× | n/a | n/a |
| Remitly Global RELY | United States | $4.72B | -7% | +24% | 10% | 22.7× | n/a | n/a |
| Paysign PAYS | United States | $829M | +155% | +47% | 17% | 40.3× | n/a | n/a |
| Klarna KLAR | United States | $5.13B | -6% | +34% | -1% | 106.5× | n/a | n/a |
| Cass Information Systems CASS | United States | $694M | +14% | +2% | 22% | 15.7× | n/a | n/a |
| WEX WEX | United States | $5.99B | +29% | +10% | 27% | 8.0× | n/a | n/a |
EVERTEC reported $817M of remaining performance obligations at 30 Sep 2024, down 10% from a year earlier and down 5% from the previous quarter. That is 1.0 years of trailing revenue already under contract. Book-to-bill last quarter: 0.79.