EVERTEC, Inc.(EVTC)Stock Analysis
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Rank #432 of 2,879 stocksTOP 25%
Rankings refresh quarterly once 80% of peers have filed (~45 days after quarter-end). Next update: ~Aug 14, 2026.
Revenue Growth
Profitability
Balance Sheet
Earnings Quality
Free Cash Flow
Institutional Flow
Revenue Scale
Dilution Risk
EVTC Stock Analysis & AI Quality Score
AI stock analysis and institutional research for EVERTEC, Inc. (EVTC), a Technology sector company. 13F Pro's AI-powered ranking engine scores EVTC at 68.1/100 on a 32-signal composite quality model, placing it at rank #432 of 2,879 stocks — the top 25% of the AI-ranked universe. EVTC scores in the top quartile across profitability (80.6), free cash flow (75.8). Shareholder dilution risk is elevated at 32.5/100, reflecting ongoing share issuance or stock-based compensation. Based on the latest XBRL financial filings (Q1 2026), EVERTEC, Inc. reports quarterly revenue of $247.9M, net income of $23.8M, an operating margin of 18.0%. Top institutional holders of EVTC by reported 13-F value include BlackRock,, FMR, AMERICAN CENTURY COMPANIES, based on the most recent SEC filings. EVTC trades on the NYSE exchange and files with the SEC under CIK 1559865. 13F Pro's AI research platform runs 10 specialized AI analysts — value, growth, momentum, macro, and activist specialists — that debate EVTC daily and publish AI-generated analysis with cited SEC sources. The platform aggregates historical XBRL financial facts, 10-Q and 10-K filings, insider Form 4 transactions, and institutional 13-F holdings for EVERTEC, Inc. directly from SEC EDGAR. EVERTEC, Inc.'s 13F Pro composite quality score has ranged between 8 and 75 since 2021, currently 68.1 — an improving long-term trajectory across 56 quarterly and live scoring snapshots.
What's Driving EVTC's Business? Latest 10-Q Breakdown
✓ 39/39 datapoints verifiedAI-extracted from EVERTEC, Inc.'s 10-Q filed 2026-05-07 — Q1 2026 (quarter ended March 31, 2026). Every figure is machine-verified against the filing text on SEC EDGAR.
EVERTEC's Q1 2026 revenue grew 8% to $247.9M, driven by organic growth across all segments and Tecnobank acquisition contribution, though net income declined 28% to $23.8M due to higher operating expenses.
Biggest Revenue Drivers
Total revenue: $247.9M+8% YoY
Tecnobank acquisition completed in Q4 2025, strong Brazil performance, and foreign currency exchange benefits.
10% Popular discount effective Q4 2025 and lower non-recurring hardware/software sales versus prior year.
Transaction growth, continued strength in ATH Movil and ATH Business, plus services to Latin America segment.
Higher sales volume and non-transactional revenues, partially offset by slight spread decrease.
Largest Expense Items
Primarily driven by amortization of intangible assets from Tecnobank acquisition.
Higher professional fees and cash payment of contingent considerations related to prior acquisitions.
Higher personnel costs and cloud expenses driven by revenue increase.
Margins: Operating income declined 10% to $44.6M despite 8% revenue growth, as operating margin compressed from 21.6% to 18.0% due to increased SG&A expenses (+32%) and higher depreciation from acquisitions (+31%). Segment Adjusted EBITDA margins remained resilient, with Latin America Payments at 29.7% stable YoY and Payment Services Puerto Rico improving to 59.4% from 57.0%.
Watch Items from the Filing
- Popular customer concentration at 26% of Q1 2026 revenues (down from 31% YoY), with accounts receivable of $38.3M. A&R MSA includes 10% discount effective Q4 2025 and mandatory minimums through September 2028.
- Tecnobank acquisition integration: $150M acquisition completed October 2025, contributed $102.1M in Q1 2026 segment revenue; goodwill increased $24.6M to $918.2M and intangible assets rose $2.1M to $555.2M.
- Foreign currency remeasurement loss of $3.7M in Q1 2026 versus $0.8M prior year, driven by Brazilian Real and other Latin American currency volatility; unfavorable translation adjustment improved from $63.4M to $13.8M.
- Subsequent to quarter-end, Company acquired remaining interests in Rosk (49%, ~$16.5M) and Compliasset (40%, ~$3.4M), and announced Dimensa acquisition (~$197M) on April 30, 2026. Total debt increased to $1.1B with Revolving Facility at $25M drawn of $200M available.
AI-extracted and verified against SEC EDGAR filing text. Not investment advice.
Revenue
Q1 2026
$247.9M
Net Income
Q1 2026
$23.8M
Free Cash Flow
Q1 2026
$24.9M
Operating Margin
Q1 2026
18.0%
D/E Ratio
Q1 2026
1.65
Revenue & Net Income
Earnings Per Share
Key Financials Over Time
Export Financial Table · Pro+Revenue
+10.2% YoYNet Income
+25.7% YoYOperating Income
+12.5% YoYEPS (Diluted)
+27.2% YoYTotal Assets
+20.8% YoYTotal Debt
+13.8% YoYOp. Cash Flow
-12.7% YoY| Metric | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 |
|---|---|---|---|---|---|---|
| Revenue | $931.8M +10.2% | $845.5M +21.7% | $694.7M +12.3% | $618.4M +4.9% | $589.8M +15.5% | $510.6M |
| Net Income | $141.6M +25.7% | $112.6M +40.8% | $80.0M -66.5% | $239.0M +48.3% | $161.1M +54.3% | $104.4M |
| Operating Income | $186.4M +12.5% | $165.7M +21.7% | $136.2M -13.5% | $157.4M -19.9% | $196.5M +39.0% | $141.4M |
| EPS (Diluted) | $2.20 +27.2% | $1.73 +43.0% | $1.21 -64.9% | $3.45 +56.1% | $2.21 +54.5% | $1.43 |
| Total Assets | $2.24B +20.8% | $1.86B -9.8% | $2.06B +82.0% | $1.13B -1.1% | $1.14B +6.7% | $1.07B |
| Total Debt | $1.10B +13.8% | $965.3M -3.2% | $997.6M +121.2% | $451.0M -7.0% | $485.0M -5.1% | $511.0M |
| Operating Cash Flow | $227.0M -12.7% | $260.1M +23.1% | $211.2M -4.0% | $219.9M -3.7% | $228.4M +14.7% | $199.1M |
AI Insight: EVTC Financial Trends
Revenue grew 17% from Q2 2024 to Q1 2026, but debt surged from $979M to $1.1B while operating cash flow remains volatile.
• Revenue increased from $212M in Q2 2024 to $248M in Q1 2026, representing 17% growth over eight quarters.
• Total debt jumped from $965M in Q4 2024 to $1.1B in Q1 2026, a 14% increase in five quarters.
• Equity strengthened from $483M in Q2 2024 to $668M in Q1 2026, up 38% despite recent volatility.
⚠ Operating cash flow declined sharply from $71M in Q3 2025 to $31M in Q1 2026, showing concerning volatility.
⚠ Operating income fell from $56M in Q2 2025 to $45M in Q1 2026 despite revenue growth.
AI Insight: EVTC Ratio Trends
EVERTEC's profitability deteriorated sharply in Q1 2026 with operating margin falling to 18.0% and net profit margin dropping to 9.6%.
• Operating margin declined from 24.4% in Q2 2025 to 18.0% in Q1 2026, erasing earlier gains.
• Net profit margin compressed from 17.6% in Q2 2025 to 9.6% in Q1 2026.
• ROE fell from 26.4% in Q2 2025 to 14.2% in Q1 2026, down nearly half.
• Debt-to-equity ratio improved from 2.04 in Q4 2024 to 1.65 in Q1 2026.
⚠ ROIC dropped to 8.6% in Q3 2025, the lowest level in the dataset.
⚠ Profitability shows high volatility with margins swinging dramatically quarter-to-quarter.
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Top Institutional Holders of EVTC
BlackRock, Inc.
$262.4M9,299,567 shFMR LLC
$261.2M9,257,146 shAMERICAN CENTURY COMPANIES INC
$142.5M5,049,513 shVANGUARD PORTFOLIO MANAGEMENT LLC
$111.6M3,955,619 shKAYNE ANDERSON RUDNICK INVESTMENT MANAGEMENT LLC
$86.4M3,060,745 shVANGUARD CAPITAL MANAGEMENT LLC
$80.6M2,856,078 shSTATE STREET CORP
$70.6M2,502,355 shFULLER & THALER ASSET MANAGEMENT, INC.
$51.8M1,834,945 shDIMENSIONAL FUND ADVISORS LP
$44.2M1,566,018 shGEODE CAPITAL MANAGEMENT, LLC
$43.4M1,538,566 sh
| Fund | Value | Shares |
|---|---|---|
| BlackRock, Inc. | $262.4M | 9,299,567 |
| FMR LLC | $261.2M | 9,257,146 |
| AMERICAN CENTURY COMPANIES INC | $142.5M | 5,049,513 |
| VANGUARD PORTFOLIO MANAGEMENT LLC | $111.6M | 3,955,619 |
| KAYNE ANDERSON RUDNICK INVESTMENT MANAGEMENT LLC | $86.4M | 3,060,745 |
| VANGUARD CAPITAL MANAGEMENT LLC | $80.6M | 2,856,078 |
| STATE STREET CORP | $70.6M | 2,502,355 |
| FULLER & THALER ASSET MANAGEMENT, INC. | $51.8M | 1,834,945 |
| DIMENSIONAL FUND ADVISORS LP | $44.2M | 1,566,018 |
| GEODE CAPITAL MANAGEMENT, LLC | $43.4M | 1,538,566 |
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Is EVTC a good stock to buy?
13F Pro's AI-powered analysis of EVERTEC, Inc. (EVTC) draws on SEC EDGAR-sourced fundamentals, institutional 13F holdings, and insider Form 4 transactions in the Technology sector (listed on NYSE). The 32-signal AI Quality Score, current rank, and full bull/bear verdict for EVTC are available on the EVTC stock profile dashboard — with the same data, AI insights, ratios, and institutional activity refreshed after every 10-K, 10-Q, 13F, and Form 4 filing.
Which hedge funds own EVTC?
Institutional investors are required to disclose their holdings quarterly via SEC Form 13F. 13F Pro aggregates these filings to show which hedge funds, mutual funds, and asset managers are buying or selling EVTC. Combined with insider transaction data from Form 4 filings and AI-powered analysis from 10 specialized research agents, 13F Pro provides a comprehensive view of EVERTEC, Inc.'s investment landscape.