Company Analysis

Evertec, Inc. (EVTC)

NYSE: EVTC · Services-Computer Processing & Data Preparation · Rio Piedras, PR · filing with the SEC since 2012
Grade6.3
◀ Past 7.2● Present 7.1▶ Future 4.4

The grade of Evertec, Inc.

Nine metrics read from its own filings, by tense
Headline grade
6.3/10
◀ Past7.230% of the headline
● Present7.140% of the headline
▶ Future4.430% of the headline

All three tenses have at least two readings, so the archetype blend applies as printed.

All nine metrics read as filed from the record.

◀ Past

What did they actually do?

7.2/1030% of the headline grade · 3 of 3 filed

Surviving crises

as filed
7.5/10

Has it survived what it has been through?

No warning events in its filings since 2017.

weight 33% of this tense · 75th percentile among 77 sector filers · read for itself

From the record

Evertec, Inc.'s filings since 2017 show no warning events in the scan: no bankruptcy or receivership notice, no debt default notice, no exchange listing notice, no restatement warning, no auditor change, no material cyber incident and no late-report notice (its current reports).

A production reading, recomputed from the filings on every data build, read from EDGAR Nov 13, 2026.

Track record

as filed
7.2/10

What has it actually done, year after year?

+10.2% a year over 10 filed years; profitable in 10 of 10.

weight 45% of this tense · 72nd percentile among 64 sector filers · read for its customers

From the record

Evertec, Inc.'s 10 filed years say what it did: revenue went from $390 million in fiscal 2016 to $932 million in fiscal 2025, up 10.2% a year; it rose in 9 of 9 years; it never fell from a peak; net income was positive in 10 of 10 of those years (its annual reports).

What it rests on

  • revenue growth over the filed span10.2%bottom 42% of its family
  • the share of years revenue rosetop 21% of its family
  • the share of filed years with a profittop 11% of its family
  • the deepest fall from a revenue peak0.0%top 21% of its family

A production reading, recomputed from the filings on every data build, read from EDGAR Nov 13, 2026.

Shareholder treatment

as filed
6.5/10

How has it treated the people who own it?

Share count shrank 2.4% a year. 32% of cash flow returned. Insiders: 8 sales, 7 purchases.

weight 22% of this tense · 65th percentile among 43 sector filers · read for its shareholders

From the record

Over the 3 fiscal years to 2025-12-31, Evertec, Inc.'s diluted share count shrank about 2.4% a year, and dividends and buybacks returned about 32% of its operating cash flow over 3 years (its filed statements). Its officers and directors filed 8 sales and 7 purchases of their own stock on the open market in the year to 2026-11-09, buying about $2 million (their Form 4 filings).

What it rests on

  • the share count over the yearstop 19% of its family
  • cash returned against operating cash flowtop 50% of its family

A production reading, recomputed from the filings on every data build, read from EDGAR Nov 13, 2026.

● Present

What are they doing right now?

7.1/1040% of the headline grade · 3 of 3 filed

Financial health

as filed
5.9/10

Is it financially healthy right now?

ROE 23%: 23¢ of profit per shareholder dollar. Leverage 72%: owes 72¢ per asset dollar.

weight 33% of this tense · 59th percentile among 69 sector filers · read for itself

From the record

Return on equity: in the fiscal year ended 2025-12-31, Evertec, Inc. earned about 23 cents of profit for every dollar of shareholders' money. Leverage: it owed about 72 cents per dollar of assets, and net share issuance: its share count shrank 1.0% over the year (the filed statements).

What it rests on

  • what it owes per dollar of assetsbottom 29% of its family
  • return on equitytop 23% of its family
  • the share count against the year beforetop 29% of its family

A production reading, recomputed from the filings on every data build, read from EDGAR Nov 13, 2026.

Industry position

as filed
7.3/10

How strong is its position in its industry?

top 27% of 68 in its family; net margin 15.2%.

weight 45% of this tense · 73rd percentile among 68 sector filers · read for its customers

From the record

Evertec, Inc.'s standing among 68 graded names in its industry family: revenue of $932 million in fiscal 2025 ranks in the top 28% by size; a net margin of 15.2% ranks in the top 27%; revenue growth of 14.6% a year over the last 3 filed years ranks in the top 27% (its annual reports).

What it rests on

  • revenue against the family$932Mtop 28% of its family
  • net margin15.2%top 27% of its family
  • three-year revenue growth14.6%top 27% of its family

A production reading, recomputed from the filings on every data build, read from EDGAR Nov 13, 2026.

Leadership

as filed
8.6/10

What are the people in charge doing?

top 14% of 38 in its family for leadership; chief executive since 2015.

weight 22% of this tense · 86th percentile among 38 sector filers · read for its shareholders

From the record

Evertec, Inc.'s leadership, from its insiders' filings and its current reports: the chief executive on the record is Schuessler, Morgan M (President & CEO, as filed), filing under that title since 2015-04-06, 11.6 years (top 12% of its family); the 19 officers and directors filing in the last fifteen months have been on the record a median of 8.2 years (top 13%); 3 officer or director changes were reported on Form 8-K since 2023-11-13, against the 19 people in charge now (top 18%; fewer changes for each person reads higher) (the Form 4 record, its Form 8-K reports). Years count from a person's first filing in the SEC's data sets, which begin in 2006, so each is a floor.

What it rests on

  • officer and director changes on Form 8-K, against the people in charge3 in three years among 19 peopletop 18% of its family
  • the median years the people in charge have filed8.2 yearstop 13% of its family
  • the chief executive's years on the record11.6 yearstop 12% of its family

A production reading, recomputed from the filings on every data build, read from EDGAR Nov 13, 2026.

▶ Future

What are they set up to do next?

4.4/1030% of the headline grade · 3 of 3 filed

Room to expand

as filed
4.5/10

How much room does it have to grow?

bottom 45% of 68 in its family for room to expand.

weight 22% of this tense · 45th percentile among 68 sector filers · read for itself

From the record

Evertec, Inc.'s room to grow, from the newest filed statements (fiscal 2025): cash of $306 million against debt of $1.1 billion leaves -33.3% of its assets as net cash, bottom 8% of its family; cash from operations less capital spending is 21.9% of revenue (top 18%) (its annual report).

What it rests on

  • cash less debt against assets-33.3%bottom 8% of its family
  • cash from operations less capital spending against revenue21.9%top 18% of its family

A production reading, recomputed from the filings on every data build, read from EDGAR Nov 13, 2026.

Growth drivers

as filed
6.3/10

What could actually drive growth from here?

top 37% of 64 in its family for growth drivers.

weight 45% of this tense · 63rd percentile among 64 sector filers · read for its customers

From the record

Evertec, Inc.'s growth drivers, from the filed years to fiscal 2025: revenue grew 14.6% a year over the last three filed years against 10.2% over all 10, speeding up (top 7% of its family); the newest year grew 10.2% (top 48%); capital spending grew -4.8% a year (bottom 45%) (its annual reports). Evertec, Inc. reported 4 lines of business in fiscal 2025: Latin America Payments and Solutions at $343 million (37%), Business Solutions at $250 million (27%), Merchant Acquiring Net at $190 million (20%), and 1 more; 4 of 4 grew against the year before (its annual report).

What it rests on

  • three-year growth against the whole span+4.5 points a yeartop 7% of its family
  • the newest year's revenue growth10.2%top 48% of its family
  • three-year growth of capital spending-4.8%bottom 45% of its family

A production reading, recomputed from the filings on every data build, read from EDGAR Nov 13, 2026.

Expectations vs reality

as filed
1.9/10

Did its newest year beat what its own record pointed to?

bottom 18% of 54 in its family for expectations against reality.

weight 33% of this tense · 18th percentile among 54 sector filers · read for its shareholders

From the record

Evertec, Inc.'s newest year against its own record: revenue of $932 million in fiscal 2025 came in 5.7% below the $988 million its prior three years' pace pointed to (bottom 14% of its family); net income of $142 million against a prior three-year average of $144 million (bottom 29%); a net margin of 15.2% against 21.1% before (bottom 12%) (its annual reports).

What it rests on

  • revenue against the prior three years' pace-5.7%bottom 14% of its family
  • net income against the prior three years' average-2%bottom 29% of its family
  • net margin against its prior average-6.0 pointsbottom 12% of its family

A production reading, recomputed from the filings on every data build, read from EDGAR Nov 13, 2026.

The grade is the company against its own industry, from its filings. It is not a view on the share price. How the grade is made

SI Assistanton EVTC · research, not advice