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EVTC · NYSE · United States · Services-Computer Processing & Data Preparation
In shortEVERTEC, Inc. is profitable, generates cash and carries moderate debt, with revenue growing (+10.2% last year).
Financial health
Solid
Built from five areas over the last five annual reports. Tap an area to see the figures behind it.
| Operating marginShare of each sale left after running the business, before interest and tax. | 20.0% | 83/100 |
|---|---|---|
| Net marginShare of each sale left as profit after every cost, interest and tax. | 15.2% | 81/100 |
| Return on equityProfit earned on the money shareholders put in. Above 15% is strong. | 25.9% | 100/100 |
| Return on invested capitalProfit earned on all the capital used (equity and debt). Above 10% usually means a real competitive edge. | 10.3% | 69/100 |
Weight in the score: 25%
| Current ratioShort-term assets divided by short-term debts. Below 1 can mean tight cash. | 2.07× | 100/100 |
|---|---|---|
| Debt / equityDebt compared with the shareholders' stake. Above 2 is heavily indebted. | 1.73× | 15/100 |
| Net debt / EBITDAYears of operating profit needed to repay net debt. Below 2 is comfortable. | 3.69× | 9/100 |
| Interest coverageHow many times operating profit covers interest. Below 2 is risky. | 2.73× | 12/100 |
| Altman Z''Bankruptcy-risk model. Above 2.6 safe, below 1.1 distress. | 2.88 | 46/100 |
Weight in the score: 25%
| Free cash flow marginCash left from each sale after investments. The money that can pay dividends or reduce debt. | 21.9% | 100/100 |
|---|---|---|
| Free cash flow / net incomeHow much accounting profit turns into real cash. Near 1 or above is healthy. | 1.44× | 100/100 |
| Years with positive free cash flow (last 5) | 5 of 5 | 100/100 |
Weight in the score: 20%
| Profitable years (last 5) | 5 of 5 | 100/100 |
|---|---|---|
| Years of revenue decline (last 5) | 0 of 5 | 100/100 |
| Revenue growth volatility | 6.3% | 88/100 |
| Operating margin volatility | 6.0% | 55/100 |
Weight in the score: 20%
| Revenue growth, 3-year average | 14.6% | 98/100 |
|---|---|---|
| EPS growth, 3-year average | -13.9% | 0/100 |
Weight in the score: 10%
Fiscal year 2025 · change vs prior year
Annual figures as reported. Hover a bar or point for the exact value.
5 older years available with the 10-year history. Essential plan, from €8.25/month →
The last 5 fiscal years from the company's annual reports.
USD millions; negative values in parentheses.
| Fiscal year | FY21 | FY22 | FY23 | FY24 | FY25 |
|---|---|---|---|---|---|
| Revenue | 590 | 618 | 695 | 845 | 932 |
| Selling, general & admin | 68 | 90 | 128 | 146 | 154 |
| Operating income | 197 | 157 | 136 | 166 | 186 |
| Interest expense | 23 | 25 | 32 | 75 | 68 |
| Pre-tax income | 182 | 268 | 85 | 120 | 154 |
| Income tax | 21 | 29 | 5.5 | 4.8 | 9.8 |
| Net income | 161 | 239 | 80 | 113 | 142 |
| Diluted EPS | $2.21 | $3.45 | $1.21 | $1.73 | $2.20 |
| Diluted shares (millions) | 73 | 69 | 66 | 65 | 64 |
5 older years available with the 10-year history. Essential plan, from €8.25/month →
2.88 Safe zone
Estimates bankruptcy risk from working capital, retained earnings, operating profit and equity. Above 2.6 is considered safe, below 1.1 signals distress.
7/9
Nine yes-or-no tests on profitability, debt, liquidity and efficiency versus the prior year. 7 to 9 is strong, 0 to 3 is weak.
All figures: SEC EDGAR. Ratios and scores are computed by Scorvest (see how it works). Information only, not investment advice. How it works
Latest annual report: Jun 30, 2026 · Data updated Aug 6, 2026