| Factor | Score | Distribution | Value | Avg | Rank |
|---|---|---|---|---|---|
Valuation | 75 | 20.1x | 17.3x | Top tier | |
Growth | 60 | 12.4% | 7.1% | Around median | |
Quality | 81 | 8.6% | 4.5% | Top tier | |
Safety | 45 | 4.8x | 2.6x | Around median | |
Capital Return | 51 | 0.65% | 0.06% | Around median | |
Momentum | 74 | -5.6% | -1.6% | Top tier | |
Sentiment | 37 | 5 | 3 | Bottom tier |
The floor: what the company is worth if growth stopped today
67% of today's price is what a buyer pays for growth that has not happened yet.
10-year US Treasury yield 4.96% as of 2026-10-22. Estimates computed from company data and analyst targets, not investment advice.
Ten ratios that matter, each compared against its sector median and average — so you can see whether a number is rich or cheap relative to peers in the same sector.
EVERTEC provides financial infrastructure and technology for processing payments and transactions across Latin America and the Caribbean. It generates revenue from merchant acquiring, payment services such as ATH Movil and ATH Movil Business, business solutions, as well as software, platforms, data, and technology services for financial institutions. The group has expanded its presence in Brazil through Sinqia, Tecnobank, Dimensa, and BBChain, while its Puerto Rico operations provide a recurring base of cash flows and earnings.
In Q2 fiscal 2026, revenue reached approximately $275 million, up 20% year over year, or 16% on a constant-currency basis. Adjusted EBITDA rose 18% to $109 million, but its margin declined to 39.8% from 40.3%. Adjusted net income also reached $65 million, up 12%, while adjusted earnings per share increased 18% to $1.05, benefiting from earnings growth and a lower share count following share repurchases.
Latin America Payments and Solutions became the largest contributor to revenue and earnings growth in Q2 fiscal 2026; its revenue rose 52% to $131 million and accounted for approximately 48% of group revenue, while Payment Services revenue reached $61 million, Business Solutions revenue reached $59 million, and Merchant Acquiring revenue reached $52 million. On an EDGAR basis, EVERTEC generated fiscal 2025 revenue of $931.8 million, net income of $141.6 million, and earnings per share of $2.20.
The analyst consensus is “Buy,” with an average price target of $34, while the highest and lowest targets both match at $34; this alignment means the available data do not provide a broad range of differing estimates. The target is approximately 4% below the 52-week range high of $35.41, while the range low is $21.81, and the data do not include a valid price-to-earnings multiple that can be used as an additional anchor; therefore, the raised fiscal 2026 outlook and new contracts should be weighed against higher leverage and pressure on margins from the regional mix.
Figures in the text are as of 2026-09-01; the live price is shown at the top of the page.
Q2 fiscal 2026 revenue reached approximately $275 million, up 20% year over year, or 16% on a constant-currency basis. Growth came from organic performance across most segments, contributions from Tecnobank and Dimensa, and favorable currency movements in Brazil. Latin America Payments and Solutions led the increase, with revenue growth of 52% to $131 million, including approximately $9 million related to currency. Adjusted earnings per share also rose to $1.05 from $0.89 a year earlier.
EVERTEC signed a multiyear agreement with Transbank for an initial term of at least five years to operate transaction processing and selected technology platforms and services. Management described the contract as one of its most important commercial wins alongside Popular because Transbank is Chile's largest merchant acquirer. Management expects the financial impact to begin in the second half of 2027, with the contract reaching full operation in 2028. The acceleration will come from converting the existing merchant base rather than adding merchants one by one.
Automated analysis for informational purposes only — not investment advice.
EVERTEC completed the acquisition of Dimensa for approximately $199 million during Q2 fiscal 2026, with the aim of expanding its financial-institution software and presence in Brazil. Management said Dimensa's performance is in line with or slightly above its original expectations, with the impact of synergies expected to become more significant in 2027, while it expects the transaction to be neutral to slightly accretive to earnings per share in fiscal 2026. BBChain adds blockchain infrastructure, tokenization, digital custody, and digital-asset solutions, but its near-term revenue contribution was described as modest. EVERTEC aims to integrate these capabilities with its platforms that manage funds, pensions, and financial-institution assets in Brazil.
Management expects fiscal 2026 revenue of between $1.085 billion and $1.095 billion, equivalent to growth of between 16.4% and 17.5%. On a constant-currency basis, it expects growth of between 14.5% and 15.6%, with approximately 200 basis points of currency support, a large portion of which was realized in the first half. It expects an adjusted EBITDA margin of between 39% and 40%, and adjusted earnings per share growth of between 8.8% and 11.7% compared with $3.62 in fiscal 2025. It also maintained expected capital expenditures at $90 million and the expected effective tax rate at between 11% and 12%.
Business Solutions revenue declined 9% to $59 million in Q2 fiscal 2026, primarily due to a 10% contractual discount for Popular that began in October 2025. The segment's adjusted EBITDA declined 13% to $23 million, while its margin contracted by approximately 200 basis points to 38.3%. Management expects segment revenue to decline by a mid-single-digit percentage in fiscal 2026 because of the discount and delays in some new commercial wins. The discount's annualized impact laps in Q4 fiscal 2026, after which this factor will no longer pressure the year-over-year comparison.
Net debt reached approximately $1 billion as of June 30, 2026, after increasing by approximately $152 million as a result of financing Dimensa, while leverage reached 2.55 times adjusted EBITDA for the last 12 months. Total borrowings and short-term debt reached $1.3 billion, compared with $261 million of unrestricted cash, with a weighted-average interest rate of approximately 6%. The company also disclosed a cybersecurity incident in June 2026 and incurred response and remediation costs, with remediation measures ongoing. Management said the incident did not disrupt operations or customer service, but it remains a significant risk for a company operating critical financial infrastructure.