How profitable is Evertec Inc. (EVTC)?

In FY 2025 (10-K), EVTC converted $931.8M of revenue into a 52% gross margin, 20% operating margin, and $203.7M in free cash flow (21.9% FCF margin).

Stock Ratings / Technology / EVTC / financials

FORTY (52) STNE (46) INFQ (26) PONY (22) ⌘ Pro Terminal →

Evertec Inc. (EVTC) Revenue-to-Profit Sankey Flow & SEC XBRL Financials

$32.72 +3.74% NYSE • Live Quote vs Prior Daily Close (Synced Snapshot) EXT / AFTER-HRS: $32.88

Evertec Inc. (EVTC) carries a Roarable Rating of C+ (Hold) with 66/100 RQD Confidence. The composite score sits in the neutral Hold band (59–69), meaning current holders don’t need to panic-sell while prospective buyers can wait for a move into the 70+ Buy zone.

ROARABLE C+ • HOLD / WATCH Cap $1.88B

📤 Share Live RQD Speedometer Card: 𝕏 Post Reddit StockTwits ⬇ Live SVG Card

⚡ INSTANT AI QUANT PREVIEW • $0 FREE TIER Click Any Pre-Computed AI Quant Specialist Briefing on EVTC Below — or Connect Your Own ChatGPT / Claude

🤖 Mara Quenwick • AI Quant Lead (Click for Instant Brief) Is EVTC stock a Buy, Hold, or Sell right now according to Roarable's RQD model?

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As of 2026-11-03, Evertec Inc. (NYSE: EVTC) is rated C+ (Hold / HOLD) by Roarable's 5-pillar RQD engine with a composite confidence score of 66/100 at a spot price of $32.72 (+3.74% 1D, market cap $1.88B). Pillar breakdown: Fundamental Cash Engine 10/20, Institutional 13F & Options Flow 14/20, SEC Balance-Sheet Forensics 14/20, FRED Macro Regime Fit 11/20, and Executive Insider Alignment 17/20. Across 715 tracked Technology issuers, EVTC ranks #129 in composite RQD confidence.

✓ Pre-computed one-to-many AI Quant brief

🤖 Ellis Vennor • AI Peer & Flow Quant (Click for Instant Brief) How does EVTC compare to FORTY and STNE in the Technology sector?

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Within the Technology sector (EDP Services), EVTC carries a Roarable C+ (66/100 RQD), trailing P/E of 12.8x, gross margin of —, and ROIC of 10.8%. By comparison, FORTY (Formula Systems (1985) Ltd.) holds a D+ grade (52/100 RQD, P/E N/A, ROIC —, cap $1.87B) and STNE (StoneCo Ltd. (Class A)) posts a D grade (46/100 RQD, P/E N/A, ROIC —, cap $1.91B). Among the 5-stock peer group, EVTC leads on earnings multiple (12.8x) while EVTC leads on capital efficiency (10.8% ROIC).

✓ Pre-computed one-to-many AI Quant brief

🤖 Gideon Ashmere • AI SEC 10-K Forensics (Click for Instant Brief) What are the biggest fundamental strengths and SEC risk factors for EVTC?

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Per EVTC's SEC EDGAR XBRL 10-K filing (FY2025, filed 2025-12-31, CIK 0001559865), Evertec Inc. generated $931.8M in revenue (+10.2% YoY), $145.0M in net income, and $203.7M in free cash flow against $2.24B in total assets and $1.05B in total debt. Key quantitative strengths: Company leadership has skin in the game with net positive insider conviction. Primary risk factors monitored: Broader market pullbacks can still drag down strong stocks in the short run. Institutional options positioning shows a 50% call / 50% put premium split.

✓ Pre-computed one-to-many AI Quant brief

🤖 AI Quant Disclosure: Roarable Analysts are proprietary AI Quant Specialists — not human financial advisors. Pre-computed one-to-many briefings above are free; interactive 1-on-1 Q&A, custom AI sifting/indicator alerts, and personal ChatGPT/Claude MCP connections require a $9.95/mo Pro account (currently waitlist-only).

INTERACTIVE SCENARIO DECK:

🛡️ Portfolio Crash X-Ray

EXT / AFTER-HRS: $32.88 (+0.48%)🧬 Cannibal Buyback (-2.64% YoY Shares)⚙️ Cash Engine: 10/20 (D) • 21.9% FCF Margin

Verify 90D Bucket Audit →

📊 Historical Track Record: Scores of 66/100 (C+) historically posted market-perform odds over rolling 90-day windows (+1.4% avg 90D alpha vs SPY • 56.0% hit rate — wait for RQD ≥ 70 breakout).

Audit Bucket Track Record →

RQD QUANT TACHOMETERHOLD / WATCH • C+

2-of-3 JEV AI Jury Bullish

Cash

SEC

Whale

Impersonal quantitative research (0–100 RQD rubric) — not individualized investment advice. Past performance does not guarantee future results. Full Disclaimer

5-PILLAR SNOWFLAKE RADARRw C+ · Rk C

Each axis scored 0–20

12M PRICE TARGET CONE+3.6% Base Target

WHALE OPTIONS SNAPSHOT: — (No Active Options Snapshot on file for EVTC)Realized 20D OHLCV Swing Band: ±5.9%

Deterministic 5-Pillar Attribution (66/100 Composite)

🔍 WHY EVTC SCORES 66/100 (C+) — TOP 3 DRIVERS2 Bullish Pillars + #1 Risk Drag

▲ #1 Bullish Driver: Insider Conviction & Share Dilution+17/20 pts (26% of score)

SEC Form 4 / 13F Thermometer: 85% Net Buy • Cannibal Buyback (-2.64% YoY Shares)

▲ #2 Bullish Driver: Whale & Options Positioning+14/20 pts (21% of score)

20D Institutional Volume Accumulation (±5.9% realized swing band)

▼ #1 Drag / Risk Factor: Cash Engine Quality10/20 pts (-10 pt drag)

Capital intensity & 20% operating margin leave 10 pts on the table

📈 PAST 4 QUARTERS RQD vs SUBSEQUENT RETURNQ1 → Q2 → Q3 → Current

Q1 (-3Q)

Grade C$30.86+2.9% Next Q

Q2 (-2Q)

Grade C$31.76-3.3% Next Q

Q3 (-1Q)

Grade C+$30.72+6.5% Next Q

Current

Grade C+$32.72+1.4% Hist 90D α

Trajectory: C (58) → C+ (66)Full Audit →

⚔️ ADVERSARIAL OPPOSING CASE & FORENSIC KILL-SWITCH (WHY THE BULL/BEAR THESIS COULD FAIL)GIDEON ASHMERE // FORENSIC SHORT & KILL-SWITCH DOSSIER

⚔️ Adversarial Opposing Case: Why the EVTC Bull Thesis Could Fail

Gideon Ashmere Forensic Desk →

Even with a 66/100 (C+) score, EVTC faces multiple-compression risk if 12.8x trailing P/E re-rate toward historical sector medians or if hyperscaler/enterprise customer concentration slows in upcoming 10-Q filings.

⚠️ Forensic Kill-Switch #1

Broader market pullbacks can still drag down strong stocks in the short run.

⚠️ Forensic Kill-Switch #2

Dilution & Margin Drag: Cannibal Buyback (-2.64% YoY Shares) — any gross margin slip below 49.5% triggers an automatic RQD downgrade.

⚠️ Forensic Kill-Switch #3

Technical & Forensic Kill-Switch: A daily close below the 50D SMA ($29.65) or 200D SMA ($28.40) invalidates the momentum regime and cuts Target Base ($33.90) toward Bear Floor ($26.44).

🎲 LIVE PREDICTION MARKET ODDS TIED TO $EVTC• $4.8M Crowd Pool • Kalshi / Polymarket Composite

Contract: “EVTC Beats Next Quarterly Revenue & EPS Consensus + Hyperscaler AI CapEx Holds Record Pace”

YES 66%NO 34%Trade / Inspect Odds →

VISUAL REVENUE-TO-PROFIT SANKEY WATERFALL • FY 2025 (10-K)

How EVTC Turns Every Dollar of Sales Into Real Bottom-Line Profit

Free Cash Flow:$203.7M (21.9% FCF Margin)

Multi-Year SEC EDGAR XBRL Revenue, Net Profit & Free Cash Flow Trajectory

■ Revenue■ Net Profit■ Free Cash Flow

FY23

Rev $694.7M

FY24

Rev $845.5M

FY25

Rev $931.8M

Fiscal Year	Revenue	Gross Margin	Op Margin	Net Profit	Free Cash Flow	ROIC %
FY 2025	$931.8M	52%	20%	$145.0M	$203.7M	10.8%
FY 2024	$845.5M	52%	19.6%	$115.0M	$234.7M	11.6%
FY 2023	$694.7M	52%	19.6%	$80.0M	$211.2M	10.8%

ON-DEMAND RQD QUANT WORKSHOP • SPONSORED / PARTNER SPOTLIGHTHosted by Perry Belcher & Roarable Forensic Quant Desk

Red-Light Warning Desk: Spotting SEC Cash-Flow & Dilution Risks Before Downgrades (Featuring EVTC)

✓Walkthrough of EVTC's RQD Radar, SEC cash-conversion gap & downside invalidation levels
✓3 asymmetric Bear/Hedge frameworks when 10-year Treasury yields stay elevated
✓Includes nightly RQD rating-change & forensic signal email alerts on your tracked stocks

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EVTC // CANDLESTICK & AUTO-TRENDLINE WORKSTATION6M: +11.18%📐 HORIZONTAL RANGE

2026-11-03O $31.04H $32.72L $31.04C $32.72VOL 411.1K

RES: $34.33SUP: $25.03SMA50: $29.65SMA200: $28.40

PRIMARY-SOURCE FORENSICS, SECOND-ORDER LINKS & AI ANALYST DESK

EVTC Dilution Monitor, Expectations Hurdle, Butterfly Connections & Policy Exposure

🦋 EVTC Butterfly Map → + Track EVTC →

Share Count & Dilution Monitor

Multi-year comparable XBRL diluted share count not disclosed (ETF or recent listing).

Reverse-DCF Expectations Hurdle

3.8%/yr Implied 5Y Growth

vs. +10.2% actual YoY revenue growth (assuming 9.25% cost of equity & 16.5x terminal multiple).

Ellis Vennor Setup Ledger

No active Ellis Vennor swing setup published on EVTC today. View full Setup Ledger →

🦋 Documented & Second-Order Butterfly Connections Open Graph →

No direct multi-tier Butterfly edges indexed yet for EVTC. Explore sector supply chains on /butterfly.

AI Analyst Theses, Washington Policy & Company Video

🎬 No recent verified company-specific video clip queued for EVTC today (we never pad ticker pages with unrelated generic clips). Browse Macro Video Desk →

DETERMINISTIC MULTI-FACTOR EQUITY AUDIT • SEC EDGAR XBRL × RQD PEER BENCHMARK

📊 Quantitative Sector Peer Comparison, SEC Filing Delta & Investment FAQ (EVTC)

Technology Rank #129 of 715 ⚔️ FORTY vs EVTC Full Matrix →

1. Head-to-Head Technology Peer Comparison (EVTC vs. FORTY, STNE, INFQ, PONY)

Industry: EDP Services (163 Tracked Issuers)

Across 715 tracked Technology securities in the Roarable RQD universe, Evertec Inc. (EVTC) ranks #129 by composite RQD confidence (66/100, grade C+) and #298 by equity capitalization ($1.88B). Within this direct 5-issuer industry benchmark cohort, EVTC leads on earnings valuation at 12.8x trailing P/E, while EVTC leads on capital efficiency and profitability with 10.8% ROIC and — gross margin. EVTC currently leads its immediate peer cohort in composite quantitative strength at 66/100 (C+).

Ticker / Company	Roarable Grade	RQD Score	Trailing P/E	Gross Margin	ROIC	1D Change	Market Cap	Head-to-Head
EVTC ACTIVE Evertec Inc.	C+	66/100	12.8x	—	10.8%	+3.74%	$1.88B	Benchmark Subject
FORTY Formula Systems (1985) Ltd.	D+	52/100	—	—	—	-2.29%	$1.87B	/forty-vs-evtc →
STNE StoneCo Ltd. (Class A)	D	46/100	—	—	—	-1.42%	$1.91B	/stne-vs-evtc →
INFQ Infleqtion Inc.	E	26/100	—	36.6%	-26.6%	-8.22%	$2.00B	/infq-vs-evtc →
PONY Pony AI Inc.	E	22/100	—	15.7%	-15.2%	-0.43%	$2.01B	/pony-vs-evtc →

2. Multi-Year SEC XBRL Revenue, Cash Flow & Balance-Sheet Trajectory (FY2023–FY2025)

SEC EDGAR 10-K • FILED 2025-12-31 • CIK 0001559865 ↗

In its most recent audited fiscal period (FY2025, filed 2025-12-31), Evertec Inc. (EVTC) reported GAAP revenue of $931.8M (+10.2% vs. FY2024 revenue of $845.5M , and +34.1% cumulative change since FY2023) , GAAP net income of $145.0M, operating cash flow of $227.0M, and free cash flow of $203.7M (-13.2% YoY). On the balance sheet, EVTC closed FY2025 with $2.24B in total assets against $1.05B in total debt (Altman Z-Score: 2.01, Piotroski F-Score: 7/9).

Fiscal Period	Filing Date	Revenue	Net Income	Operating Cash Flow	Free Cash Flow	Total Assets	Total Debt
FY2025 (FY)	2025-12-31	$931.8M	$145.0M	$227.0M	$203.7M	$2.24B	$1.05B
FY2024 (FY)	2024-12-31	$845.5M	$115.0M	$260.1M	$234.7M	$1.86B	$925.1M
FY2023 (FY)	2023-12-31	$694.7M	$80.0M	$211.2M	$211.2M	—	—

3. EVTC Data-Verified Investor FAQ (RQD Rating, Sector Peers, SEC Forensics & Technicals)

✓ SCHEMA.ORG FAQPAGE JSON-LD ENABLED

Is EVTC stock a Buy, Hold, or Sell right now according to Roarable's RQD model?

How does EVTC compare to FORTY and STNE in the Technology sector?

What are the biggest fundamental strengths and SEC risk factors for EVTC?

Where is EVTC trading relative to its 50-day, 200-day, and 52-week technical levels?

EVTC last traded at $32.72 (+3.74% on volume of 440,871 shares), positioning the stock +10.35% above its 50-day simple moving average ($29.65) and +15.21% above its 200-day simple moving average ($28.40). Across its 52-week range of $21.81 to $34.41, EVTC sits at the 86.6% percentile with a 14-day RSI of 56.8 (BULLISH MOMENTUM) and an implied next-earnings move of ±5.9% ($30.79 to $34.65).

Direct Sub-Reports: EVTC RQD Cockpit EVTC 12M Forecast EVTC Earnings & Move EVTC Dividends & DRIP EVTC Insiders & 13F EVTC Whale Options EVTC Profit Sankey EVTC News & Why

ROARABLE RATING BRIEF • RQD 66/100 (C+) ✓ SEC XBRL & RQD VERIFIED

EVTC — Evertec Inc.: What the Facts Mean to a Prospective Investor

Methodology: RQD v6.2 Deterministic 5-Pillar & SEC XBRL Audit

Updated: 2025-12-31

1. Roarable Rating Brief: What This Means to a Prospective Investor

Evertec Inc. (EVTC) earns a live Roarable RQD composite score of 66/100, corresponding to a C+ letter grade (Roarable Hold) at a spot price of $32.72 (+3.74% 1D, market capitalization $1.88B).

Fundamental Cash Engine (10/20): Anchored by return on invested capital (ROIC) of 10.8%, gross margin of —, operating margin of 20.0%, and free cash flow yield of 10.98%.
Whale 13F & Options Flow (14/20) + Insider Conviction (17/20): Tracks institutional 13F accumulation, CBOE options call/put positioning, and SEC Form 4 / Congressional PTR filings.
Macro Regime Fit (11/20) + Forensic Balance Sheet (14/20): Incorporates a 1.00x equity beta, Altman Z-Score of 2.01, Piotroski F-Score of 7/9, and Debt/Equity of 1.69x.

2. Business Model, Unit Margins & SEC Financial Trajectory

Evertec Inc. Is a NYSE-listed issuer classified in the Technology sector and EDP Services industry. Revenue, margin, and cash-flow figures are reported in the financial sections below. — for further detail on what the company sells, to whom, or how it earns money.

In its latest audited SEC EDGAR 10-K filing for FY2025 (filed 2025-12-31), Evertec Inc. (EVTC) reported $931.8M in annual revenue (up from $845.5M in FY2024, +10.2% YoY) and $145.0M in GAAP net income. Over the multi-year SEC filing window from FY2023 ($694.7M revenue, $80.0M net income) through FY2025, EVTC scaled operating cash flow to $227.0M and free cash flow to $203.7M, backed by $2.24B in total assets against $1.05B in total debt.

3. Institutional Bull vs. Bear Thesis & Valuation Tradeoff

🐂 Primary Bull Case (C+ • RQD 66/100): Company leadership has skin in the game with net positive insider conviction. Free cash flow yield of 10.98% and institutional whale pillar of 14/20. With Fundamental Cash Engine at 10/20 and Institutional Whale Flow at 14/20, sustained execution supports upside toward the upper end of the $21.81 – $34.41 52-week range.
🐻 Primary Bear Case & Valuation Risk: Broader market pullbacks can still drag down strong stocks in the short run. Investors must weigh 12.8x trailing P/E and 12.6x EV/EBITDA against 20.0% operating margins and a 1.00x macro beta.

4. 2nd-Order Butterfly Ripples & Key Questions to Watch

Upstream and downstream dependencies, sector correlations beyond the beta of 1.0, and second-order bottlenecks cannot be assessed from the provided data.

Key Question #1: Can EVTC sustain or expand its 20.0% operating margin and 10.8% ROIC against EDP Services peers over the next 4 quarters?
Key Question #2: Following FY2025 revenue of $931.8M and free cash flow of $203.7M, how will capital allocation balance growth reinvestment against $1.05B in total debt?
Key Question #3: How sensitive is EVTC's 11.9x forward P/E multiple to Technology capital spending cycles and macro interest-rate shifts (Beta 1.00x)?

EVTC Live News Feed, Press Releases & Catalyst Wire

Real-time company headlines, analyst actions, and sector developments for Evertec Inc. (EVTC) • Click "Debate This Headline" to argue it in the Roar Pit below

💬 Jump to EVTC Debate Forum (3) ↓

🟡 MARKET WIRE Yahoo Finance • 23h ago

Should Value Investors Buy Evertec (EVTC) Stock?

Yahoo Finance report covering Evertec Inc. (EVTC) market action, institutional positioning, and fundamental catalysts.

Read Full Source ↗

🟢 CATALYST Seeking Alpha • 1d ago

Evertec: Latin America Expansion Is Driving Growth (NYSE:EVTC)

Seeking Alpha report covering Evertec Inc. (EVTC) market action, institutional positioning, and fundamental catalysts.

Read Full Source ↗

🟡 MARKET WIRE Yahoo Finance • 1d ago

Are Business Services Stocks Lagging Evertec (EVTC) This Year?

Yahoo Finance report covering Evertec Inc. (EVTC) market action, institutional positioning, and fundamental catalysts.

Read Full Source ↗

🟡 MARKET WIRE TradingView • 1d ago

Payment processing Q2 earnings: EVERTEC (NYSE:EVTC) is the best in the biz

TradingView report covering Evertec Inc. (EVTC) market action, institutional positioning, and fundamental catalysts.

Read Full Source ↗

🟡 MARKET WIRE Stock Titan • 1d ago

At a New York conference on financial technology, EVERTEC's CEO and CFO will host meetings.

Stock Titan report covering Evertec Inc. (EVTC) market action, institutional positioning, and fundamental catalysts.

Read Full Source ↗

🟡 MARKET WIRE MarketBeat • 1d ago

Evertec, Inc. (EVTC) - What Are Researchers Thinking About This Stock?

MarketBeat report covering Evertec Inc. (EVTC) market action, institutional positioning, and fundamental catalysts.

Read Full Source ↗

🟡 MARKET WIRE Simply Wall St • 1d ago

EVERTEC (EVTC) Stock Could Be Undervalued After Stronger Profitability

Simply Wall St report covering Evertec Inc. (EVTC) market action, institutional positioning, and fundamental catalysts.

Read Full Source ↗

🟢 CATALYST Yahoo Finance • 1d ago

EVERTEC (EVTC) Stock Could Trade Below Fair Value After Earnings Beat

Yahoo Finance report covering Evertec Inc. (EVTC) market action, institutional positioning, and fundamental catalysts.

Read Full Source ↗

🔥 THE ROAR PIT • LIVE COMMUNITY DEBATE 3 Active Posts & Replies

EVTC Bull vs. Bear Conversation Board — What's Your Call at $32.72?

🐂 67% BULLISH CONVICTION COMMUNITY TUG-OF-WAR ON EVTC 🐻 33% BEARISH CONVICTION

AL AlphaFlow_Cap RQD DEBATE OPENER • Verified $100K Arena Trader 🐂 BULLISH 🎯 Target: $36.90 (+17.0%)

📌 Pinned Debate

Insider cluster flow scores 17 of 20 in the RQD rating while forward P/E of 11.9 sits below trailing P/E of 12.8 and FCF yield is 10.98

The street is overcomplicating Evertec Inc. (EVTC). Insider cluster flow scores 17 of 20 in the RQD rating while forward P/E of 11.9 sits below trailing P/E of 12.8 and FCF yield is 10.98%.. With an RQD score of 66/100 (C+) and Forensic Balance Sheet at 14/20, any positive earnings surprise or guidance raise forces underweight funds to chase above $34.06.

VolSurface_Trader 🐂 BULL

Both sides have a point here — EVTC's 14/20 balance sheet score keeps downside contained, so the real swing factor next earnings call is backlog and FCF conversion.

CR CreditSpread_Watch RQD DEBATE OPENER • Balance Sheet Analyst 🐻 BEARISH 🎯 Target: $25.55 (-19.0%)

Spot @ $31.54

Debt rose to $1.05B in FY 2025 against $306.0M cash, and Debt/Equity of 1.69 leaves the balance sheet exposed if cash generation slow

Careful chasing EVTC at $31.54. Debt rose to $1.05B in FY 2025 against $306.0M cash, and Debt/Equity of 1.69 leaves the balance sheet exposed if cash generation slows.. Gross margin is 0.0%, but operating margin is 20.0%, which shows SG&A and reinvestment are eating into bottom-line EPS. Target $25.55 on multiple compression.