What is the 13F Pro Quality Score for EVTC?

13F Pro ranks EVERTEC, Inc. (EVTC) on the 13F Pro Quality Score, a 0–100 composite of 32 fundamental signals including return on invested capital, free cash flow consistency, balance-sheet strength, earnings quality, growth durability, and valuation discipline. The score refreshes after each 10-K and 10-Q filing on SEC EDGAR. View EVTC's current score at https://13fpro.ai/company/EVTC (free sign-up required for the full ranking).

Which hedge funds own the most EVTC stock?

Based on the most recent Form 13F-HR filings on SEC EDGAR, the largest reported institutional holders of EVTC include BlackRock,, FMR, AMERICAN CENTURY COMPANIES. Holdings are reported quarterly within 45 days of quarter-end and updated on https://13fpro.ai/company/EVTC as soon as new 13F filings post.

Where does 13F Pro source EVTC data?

All EVERTEC, Inc. fundamentals and ownership data come directly from SEC EDGAR. EVERTEC, Inc. files with the SEC under CIK 1559865. 13F Pro ingests XBRL financial facts from 10-K and 10-Q filings, Form 13F-HR institutional holdings, and Form 4 insider transactions, with no third-party rewrites or estimates.

What sector is EVTC in?

EVERTEC, Inc. (EVTC) is classified in the Technology sector. 13F Pro publishes sector-level fund flow analysis and quality leaders at https://13fpro.ai/research/sector/technology.

What drives EVTC's revenue?

Per EVERTEC, Inc.'s latest 10-Q filed with the SEC on 2026-05-07, the biggest revenue drivers are: Latin America Payments and Solutions ($110.3M, +32% YoY); Business Solutions ($59.5M, -9% YoY); Payment Services - Puerto Rico & Caribbean ($58.4M, +6% YoY). Figures are extracted from the filing text and machine-verified against the document. Full breakdown at https://13fpro.ai/company/EVTC.

What are EVTC's largest expenses?

EVERTEC, Inc.'s latest 10-Q reports these as the largest expense items: Depreciation and amortization ($37.3M, +31% YoY); Selling, general and administrative expenses ($47.8M, +32% YoY); Cost of revenues, exclusive of depreciation and amortization ($118.2M, +3% YoY). Sourced directly from SEC EDGAR filing text for Q1 2026 (quarter ended March 31, 2026).

How often is EVTC research updated on 13F Pro?

EVTC's fundamentals refresh within hours of each new 10-K or 10-Q filing on SEC EDGAR. Institutional ownership updates after each quarterly 13F filing window. Insider transactions update after each Form 4 filing. The 13F Pro Quality Score recalculates after every fundamentals refresh.

EVERTEC, Inc.(EVTC)Stock Analysis

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SEC EDGAR: CIK 1559865 EVTC stock profile & AI dashboard →

13F Pro Quality Score

60.4/100

Rank #860 of 2,960 stocksTOP 50%

View Technology peers →

Rankings refresh quarterly once 80% of peers have filed (~45 days after quarter-end). Next update: ~Nov 14, 2026.

Revenue Growth

70.6/100

Profitability

47.3/100

Balance Sheet

66.0/100

Earnings Quality

75.6/100

Free Cash Flow

74.0/100

Institutional Flow

43.9/100

Revenue Scale

49.8/100

Dilution Risk

31.3/100

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Why EVTC Scores 60/100

exact factor attribution · 2026-09-12

EVTC's composite is driven by revenue growth and free cash flow. Bars show each factor's exact push vs. a median company, using the same weights the ranking engine applies.

Revenue growth

+4.1 pts

71th pct

Free cash flow

+3.6 pts

74th pct

Earnings quality

+2.6 pts

76th pct

Capital efficiency

+1.6 pts

66th pct

Earnings growth

+0.2 pts

55th pct

Scale

-0.0 pts

50th pct

Institutional flow

-0.3 pts

44th pct

Profitability

-0.4 pts

47th pct

Shareholder dilution

-0.9 pts

31th pct

Latest change (2026-08-06): 68 → 58 · ↓ Profit margin 81→54; ↓ Revenue growth 75→56

Factor percentiles are cross-sectional ranks across the ~2,800-stock scored universe, computed from SEC EDGAR filings. Not investment advice.

Unusual Activity in EVTC

Events flagged as statistical outliers against EVTC's own multi-year baseline — not fixed dollar thresholds.

Score shock2026-08-06
EVTC quality score dropped 10 points (68→58) on a new filing
View source filing →

EVTC Stock Analysis & AI Quality Score

Data updated 2026-09-12

AI stock analysis and institutional research for EVERTEC, Inc. (EVTC), a Technology sector company. 13F Pro's AI-powered ranking engine scores EVTC at 60.4/100 on a 32-signal composite quality model, placing it at rank #860 of 2,960 stocks — the top half of the AI-ranked universe. EVTC scores in the top quartile across earnings quality (75.6). Shareholder dilution risk is elevated at 31.3/100, reflecting ongoing share issuance or stock-based compensation. Based on the latest XBRL financial filings (Q2 2026), EVERTEC, Inc. reports quarterly revenue of $274.8M, net income of $5.4M, an operating margin of 19.4%. 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 57 and 75 since 2021, currently 60.4 — an improving long-term trajectory across 69 quarterly and live scoring snapshots.

✦

Fun facts about EVERTEC, Inc.

Quirks, history, and lore behind EVTC — the kind of stuff that makes a stock memorable.

1
The Basics
A technology and payments company · mid-cap · listed on Nasdaq · headquartered in Puerto Rico.
2
The Numbers
Annual revenue in the neighborhood of $600–700 million, serving over 6 million active payment accounts across the Caribbean and Latin America.
3
The History
Spun off from Popular, Inc. — Puerto Rico's largest bank — around 2013, it inherited deep roots in the island's financial infrastructure going back decades.
4
The Secret
It's essentially the payments backbone of the Caribbean, processing credit, debit, and ATM transactions for banks and merchants who have few other options in the region.
5
The Lore
Hurricane Maria in 2017 was both a crisis and a showcase — the company's resilient payment network kept running when much of the island went dark, cementing its indispensability.
6
The Giveaway
If you've ever swiped a card in Puerto Rico, odds are this San Juan-based fintech — with a ticker that sounds like "ever tech" — processed it.

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What's Driving EVTC's Business? Latest 10-Q Breakdown

✓ 39/39 datapoints verified

AI-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

Latin America Payments and Solutions$110.3M+32% YoY

Tecnobank acquisition completed in Q4 2025, strong Brazil performance, and foreign currency exchange benefits.

Business Solutions$59.5M-9% YoY

10% Popular discount effective Q4 2025 and lower non-recurring hardware/software sales versus prior year.

Biggest Revenue Drivers

Total revenue: $247.9M+8% YoY

Latin America Payments and Solutions$110.3M+32% YoY

Tecnobank acquisition completed in Q4 2025, strong Brazil performance, and foreign currency exchange benefits.

Business Solutions$59.5M-9% YoY

10% Popular discount effective Q4 2025 and lower non-recurring hardware/software sales versus prior year.

Payment Services - Puerto Rico & Caribbean$58.4M+6% YoY

Transaction growth, continued strength in ATH Movil and ATH Business, plus services to Latin America segment.

Merchant Acquiring, net$48.4M+2% YoY

Higher sales volume and non-transactional revenues, partially offset by slight spread decrease.

Largest Expense Items

Depreciation and amortization$37.3M+31% YoY

Primarily driven by amortization of intangible assets from Tecnobank acquisition.

Selling, general and administrative expenses$47.8M+32% YoY

Higher professional fees and cash payment of contingent considerations related to prior acquisitions.

Cost of revenues, exclusive of depreciation and amortization$118.2M+3% YoY

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.

Read the full 10-Q on SEC EDGAR →Share on X

Revenue

Q2 2026

$274.8M

Net Income

Q2 2026

$5.4M

Free Cash Flow

Q2 2026

$54.6M

Operating Margin

Q2 2026

19.4%

ROIC

Q2 2026

11.1%

D/E Ratio

Q2 2026

2.01

Period

Revenue & Net Income

Earnings Per Share

Key Financials Over Time

Export Financial Table · Pro

Revenue

+10.2% YoY

$931.8MFY 2025

FY22 $618.4MFY23 $694.7MFY24 $845.5MFY25 $931.8M

Net Income

+25.7% YoY

$141.6MFY 2025

FY22 $239.0MFY23 $79.7MFY24 $112.6MFY25 $141.6M

Operating Income

+12.5% YoY

$186.4MFY 2025

FY22 $157.4MFY23 $136.2MFY24 $165.7MFY25 $186.4M

EPS (Diluted)

+27.2% YoY

$2.20FY 2025

FY22 $3.45FY23 $1.21FY24 $1.73FY25 $2.20

Total Assets

+20.8% YoY

$2.24BFY 2025

FY22 $1.13BFY23 $2.06BFY24 $1.86BFY25 $2.24B

Total Debt

+13.8% YoY

$1.10BFY 2025

FY22 $451.0MFY23 $997.6MFY24 $965.3MFY25 $1.10B

Op. Cash Flow

-12.7% YoY

$227.0MFY 2025

FY22 $219.9MFY23 $211.2MFY24 $260.1MFY25 $227.0M

Free Cash Flow

-13.2% YoY

$203.7MFY 2025

FY22 $192.8MFY23 $189.8MFY24 $234.7MFY25 $203.7M

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 +41.3%	$79.7M -66.6%	$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
Free Cash Flow	$203.7M -13.2%	$234.7M +23.7%	$189.8M -1.6%	$192.8M -5.2%	$203.3M +11.7%	$182.0M

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Available Research

13F Pro tracks comprehensive data for EVERTEC, Inc. including:

SEC EDGAR filings (10-K, 10-Q, 8-K)

XBRL financial facts (revenue, EPS, margins)

Insider transactions (Form 4)

Institutional 13F holdings

Quality rankings (32 signals)

AI analyst debates & daily meetings

Historical financial trends

Peer comparison & sector analysis

Top Institutional Holders of EVTC

BlackRock, Inc.
$254.5M9,161,745 sh
FMR LLC
$244.4M8,798,971 sh
AMERICAN CENTURY COMPANIES INC
$144.2M5,189,201 sh
VANGUARD PORTFOLIO MANAGEMENT LLC
$110.0M3,961,258 sh
VANGUARD CAPITAL MANAGEMENT LLC
$76.8M2,765,581 sh
KAYNE ANDERSON RUDNICK INVESTMENT MANAGEMENT LLC
$75.4M2,713,930 sh
STATE STREET CORP
$72.4M2,604,668 sh
FULLER & THALER ASSET MANAGEMENT, INC.
$57.2M2,059,589 sh
GEODE CAPITAL MANAGEMENT, LLC
$43.6M1,569,390 sh
DIMENSIONAL FUND ADVISORS LP
$39.6M1,426,463 sh

Fund	Value	Shares
BlackRock, Inc.	$254.5M	9,161,745
FMR LLC	$244.4M	8,798,971
AMERICAN CENTURY COMPANIES INC	$144.2M	5,189,201
VANGUARD PORTFOLIO MANAGEMENT LLC	$110.0M	3,961,258
VANGUARD CAPITAL MANAGEMENT LLC	$76.8M	2,765,581
KAYNE ANDERSON RUDNICK INVESTMENT MANAGEMENT LLC	$75.4M	2,713,930
STATE STREET CORP	$72.4M	2,604,668
FULLER & THALER ASSET MANAGEMENT, INC.	$57.2M	2,059,589
GEODE CAPITAL MANAGEMENT, LLC	$43.6M	1,569,390
DIMENSIONAL FUND ADVISORS LP	$39.6M	1,426,463

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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. EVTC is classified as a small company.

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.