EVTC
ACCE-researchedOverview
ACCE thesis
Evertec processes payments, runs point-of-sale networks, and operates the dominant digital banking infrastructure across Latin America and the Caribbean, touching roughly 6 million active cardholders in Puerto Rico alone through its Popular partnership. That anchor relationship with Banco Popular, locked in through a long-term exclusive agreement, gives Evertec a captive revenue base that new entrants simply cannot replicate without rebuilding 40 years of embedded infrastructure. The real growth engine right now is the LatAm expansion - Chile, Colombia, and Uruguay are contributing meaningfully after the 2023 Sinqia acquisition in Brazil, which added ~$100M in annualized revenue and opened the largest financial market in the region. At a forward PE of 14.9 against 19.7% revenue growth, the market is pricing this like a slow-moving utility rather than a company actively consolidating payment rails across emerging markets. The disconnect is worth examining closely, particularly as Brazil integration costs roll off and margins normalize toward the high-20s operating range the core business has historically delivered.
- highEarnings collapsed 85.7%YoY earnings down 85.7% despite 19.7% revenue growth signals severe cost pressure or one-time charges masking underlying profitability deterioration.
- moderateElevated leverage ratioDebt/Equity of 1.76 is high for a software-infrastructure firm; limits financial flexibility if earnings weakness persists.
Walk me through this stock
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Price
Valuation
INVESTORSix independent models converge on one confidence-weighted fair value, with full methodology and editable assumptions.
- +All six models: DCF, P/E and EV/EBITDA comps, Graham, dividend discount, residual income
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Quality
INVESTORThe full quality picture: conviction breakdown, earnings quality, score history, and backtested returns.
- +Conviction score breakdown and earnings-quality grade
- +Growth / value / quality / momentum component scores
- +90-day score history and score-threshold backtests
Analysts
Wall Street consensus
The full analyst picture: the price-target distribution against the current price, forward consensus estimates, and how ACCE's own models compare.
- +Price-target low / average / high vs the current price, with implied upside
- +Forward revenue and EPS consensus by fiscal year
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Smart Money
PROFollow the institutions: 13F position changes, insider trades, and active 13D activist filings.
- +Quarter-over-quarter institutional position changes
- +Recent open-market insider transactions
- +Active 13D activist filings and top holders
Compare
Where it sits vs peers
Algorithmic peers (6)
| Ticker | Company | Mcap | P/E | ROE | D/E | Yield | Quality | |
|---|---|---|---|---|---|---|---|---|
| DBX | Dropbox Inc. Class A Common Stock | $7.4B | 18.7 | 16.8% | -1.58 | 0.0% | - | Compare |
| NTSK | Netskope Inc. Class A Common Stock | $7.5B | - | 0.0% | 3.76 | 0.0% | - | Compare |
| ZETA | Zeta Global Holdings Corp. Class A Common Stock | $7.8B | - | -0.3% | 0.24 | 0.0% | - | Compare |
| S | SentinelOne Inc. Class A Common Stock | $8.3B | - | -23.0% | 0.00 | 0.0% | - | Compare |
| GTLB | GitLab Inc. Class A Common Stock | $8.3B | - | -5.7% | 0.00 | 0.0% | - | Compare |
| SAIL | SailPoint Inc. Common Stock | $11.6B | - | -2.9% | 0.00 | 0.0% | - | Compare |
Sector report card
Where EVTC ranks against its sector peers on each metric.
News and Record
Press releases mentioning this company
- Business Wire•Aug 11, 2026Evertec Establishes $250,000 Emergency Relief Fund to Support Earthquake Recovery in Colombia
- Business Wire•Aug 4, 2026EVERTEC Reports Second Quarter 2026 Results
- Business Wire•Jul 23, 2026EVERTEC Declares Quarterly Dividend on Common Stock
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Recent performance
SEC filings
Recent ACCE blog coverage
- BABA, BSX, EVTC, KBR: Open Picks Reviewed Sept 2026BABA is down 9.9% and sits at 12.2x forward earnings. BSX, EVTC, and KBR are all open with fair-value gaps of 21-158%. Here's where each pick stands.2026-09-21