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EVERTEC Financial Ratios 2025-2010 | EVTC
Brief overview of EVERTEC's valuation multiples
The comparison uses the five latest available annual observations between 2021 and 2025.
The current valuation set is P/E 12.35x (median 21x), EV/EBITDA 14.44x (median 18.41x), P/S 1.92x (median 3.33x). Valuation is roughly 41.2% below five-year reference levels. The discount may reflect opportunity or higher perceived risk.
Earnings yield calculated as 1/P/E is about 8.1%, showing current profit per unit of share price.
Returns on assets and capital are represented by ROE 23.3%, ROA 6.5%, ROCE 30%. Current resource returns are convincing and help explain a higher market valuation.
PEG is 1.29x. Price relative to expected growth is in a moderate range.
Cash turnover speed was broadly preserved, with the cycle moving from 64.7 days to 59.1 days.
Conclusion
EVERTEC combines strong fundamental efficiency with valuation below its own five-year norm. The discount merits attention but should be checked against sector and financial risks.
Annual Financial Ratios EVERTEC
| 2025 | 2024 | 2023 | 2022 | 2021 | 2020 | 2019 | 2018 | 2017 | 2016 | 2015 | 2014 | 2013 | 2012 | 2011 | 2010 | |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
P/E |
12.3 | 21.0 | 28.9 | 10.5 | 22.3 | 26.9 | 24.0 | 23.7 | 20.3 | 16.9 | 12.4 | 23.3 | -78.4 | - | - | - |
P/S |
1.9 | 2.9 | 3.3 | 4.1 | 6.1 | 5.5 | 5.1 | 4.5 | 2.8 | 3.3 | 2.8 | 4.4 | 5.4 | - | - | - |
EPS |
2.2 | 1.8 | 1.2 | 3.5 | 2.2 | 1.4 | 1.4 | 1.2 | 0.8 | 1.0 | 1.1 | 0.8 | -0.3 | 1.1 | 0.3 | - |
EV (Enterprise Value) |
3.01 B | 3.48 B | 3.44 B | 2.99 B | 4.01 B | 3.34 B | 3.12 B | 2.69 B | 1.82 B | 1.99 B | 1.8 B | 2.31 B | 2.72 B | 830 M | 624 M | -55.2 M |
EBITDA per Share |
3.28 | 2.92 | 2.43 | 2.56 | 2.97 | 2.21 | 2.95 | 2.59 | 2.07 | 2.25 | 2.18 | 2.09 | 1.98 | - | - | - |
EV/EBITDA |
14.4 | 18.5 | 21.8 | 17.0 | 18.4 | 13.1 | 13.6 | 13.4 | 11.1 | 11.0 | 10.0 | 13.5 | 16.6 | - | - | - |
PEG |
1.29 | 9.88 | 34.26 | 1.54 | 2.77 | 15.17 | 1.14 | 0.42 | -0.82 | -1.96 | 0.44 | 0.06 | 0.6 | - | - | - |
P/B |
2.5 | 4.7 | 3.6 | 5.3 | 7.6 | 8.2 | 9.2 | 9.5 | 7.6 | 11.7 | 10.8 | 13.1 | 17.3 | - | - | - |
P/CF |
7.9 | 9.3 | 10.9 | 11.4 | 15.7 | 14.1 | 20.7 | 15.6 | 10.0 | 10.1 | 9.2 | 13.8 | 56.1 | - | - | - |
ROE % |
23.33 | 24.34 | 13.46 | 50.69 | 34.26 | 30.50 | 38.09 | 40.01 | 37.20 | 69.37 | 86.93 | 56.48 | -22.12 | - | - | - |
ROA % |
6.46 | 6.19 | 3.88 | 21.12 | 14.08 | 9.74 | 10.23 | 9.30 | 6.10 | 8.47 | 9.81 | 7.59 | -2.68 | - | - | - |
ROCE % |
29.99 | 35.06 | 22.91 | 33.38 | 41.79 | 41.29 | 16.66 | 15.83 | 11.39 | 14.16 | 13.47 | 12.39 | 10.75 | - | - | - |
Current Ratio |
1.5 | 1.4 | 1.4 | 1.7 | 1.7 | 1.5 | 1.9 | 1.6 | 1.1 | 1.2 | 1.3 | 1.3 | 1.0 | - | - | - |
DSO |
59.1 | 57.0 | 62.5 | 66.3 | 64.7 | 72.4 | 81.6 | 82.1 | 76.1 | 74.2 | 72.8 | 77.7 | 70.8 | - | - | - |
DPO |
- | - | - | - | - | - | 67.0 | 87.6 | 74.8 | 84.8 | 46.1 | 53.4 | 41.9 | - | - | - |
Operating Cycle |
59.1 | 57.0 | 62.5 | 66.3 | 64.7 | 72.4 | 81.6 | 82.1 | 76.1 | 74.2 | 72.8 | 77.7 | 70.8 | - | - | - |
Cash Conversion Cycle |
59.1 | 57.0 | 62.5 | 66.3 | 64.7 | 72.4 | 14.6 | -5.5 | 1.3 | -10.6 | 26.6 | 24.4 | 28.9 | - | - | - |
All numbers in USD currency
Quarterly Financial Ratios EVERTEC
| 2026-Q2 | 2026-Q1 | 2025-Q3 | 2025-Q2 | 2025-Q1 | 2024-Q4 | 2024-Q3 | 2024-Q2 | 2024-Q1 | 2023-Q4 | 2023-Q3 | 2023-Q2 | 2023-Q1 | 2022-Q4 | 2022-Q3 | 2022-Q2 | 2022-Q1 | 2021-Q4 | 2021-Q3 | 2021-Q2 | 2021-Q1 | 2020-Q4 | 2020-Q3 | 2020-Q2 | 2020-Q1 | 2019-Q4 | 2019-Q3 | 2019-Q2 | 2019-Q1 | 2018-Q4 | 2018-Q3 | 2018-Q2 | 2018-Q1 | 2017-Q4 | 2017-Q3 | 2017-Q2 | 2017-Q1 | 2016-Q4 | 2016-Q3 | 2016-Q2 | 2016-Q1 | 2015-Q4 | 2015-Q3 | 2015-Q2 | 2015-Q1 | 2014-Q4 | 2014-Q3 | 2014-Q2 | 2014-Q1 | 2013-Q4 | 2013-Q3 | 2013-Q2 | 2013-Q1 | 2012-Q4 | 2012-Q3 | 2012-Q2 | 2012-Q1 | 2011-Q4 | 2011-Q3 | 2011-Q2 | 2011-Q1 | |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
EPS |
0.09 | 0.38 | 0.51 | 0.63 | 0.51 | - | 0.39 | 0.5 | 0.25 | - | 0.16 | 0.43 | 0.46 | - | 2.08 | 0.47 | 0.54 | - | 0.49 | 0.68 | 0.49 | - | 0.48 | 0.22 | 0.31 | - | 0.34 | 0.38 | 0.37 | - | 0.32 | 0.28 | 0.32 | - | 0.08 | 0.28 | 0.32 | - | 0.27 | 0.27 | 0.26 | - | 0.33 | 0.25 | 0.24 | - | 0.24 | 0.23 | 0.23 | - | 0.18 | -0.82 | 0.08 | - | 0.03 | -0.03 | 0.05 | - | - | - | - |
EBITDA per Share |
- | 0.82 | 0.68 | 0.96 | 0.86 | - | 0.74 | 0.76 | 0.59 | - | 0.7 | 0.62 | 0.69 | - | 0.43 | 0.72 | 0.7 | - | 0.71 | 0.81 | 0.68 | - | 0.67 | 0.42 | 0.51 | - | 0.54 | 0.58 | 0.57 | - | 0.5 | 0.47 | 0.51 | - | 0.17 | 0.46 | 0.47 | - | 0.42 | 0.42 | 0.4 | - | 0.33 | 0.4 | 0.4 | - | 0.38 | 0.37 | 0.37 | - | 0.32 | 0.27 | 0.34 | - | - | - | - | - | - | - | - |
ROE % |
15.96 | 21.15 | 22.47 | 24.07 | 20.58 | 14.55 | 16.44 | 16.79 | 16.12 | 13.00 | 43.27 | 47.94 | 50.55 | 44.67 | 52.93 | 34.99 | 38.44 | 30.59 | 40.79 | 37.12 | 31.37 | 21.36 | 30.63 | 30.55 | 35.94 | 29.36 | 40.24 | 40.46 | 41.22 | 31.25 | 35.48 | 38.54 | 45.04 | 34.15 | 52.95 | 68.05 | 72.40 | 56.42 | 82.22 | 83.34 | 82.89 | 64.60 | 80.57 | 69.63 | 64.94 | 46.06 | 59.35 | -14.94 | -24.89 | -40.11 | -38.26 | -53.21 | 8.00 | 3.08 | 1.86 | -1.66 | 2.89 | - | - | - | - |
ROA % |
4.84 | 6.33 | 6.99 | 6.26 | 5.02 | 3.31 | 3.31 | 5.71 | 6.67 | 5.87 | 18.16 | 20.69 | 21.47 | 18.83 | 23.41 | 11.12 | 14.54 | 11.19 | 14.40 | 12.66 | 10.15 | 6.73 | 9.17 | 8.64 | 9.83 | 7.76 | 10.24 | 9.95 | 9.76 | 7.13 | 7.80 | 7.55 | 7.93 | 5.45 | 7.67 | 9.28 | 9.22 | 6.67 | 9.60 | 9.65 | 9.51 | 7.35 | 9.49 | 8.55 | 8.33 | 6.19 | 7.80 | -1.41 | -2.81 | -4.86 | -4.62 | -6.44 | 0.98 | 0.39 | 0.23 | -0.21 | 0.36 | - | - | - | - |
ROCE % |
29.83 | 30.65 | 32.19 | 35.41 | 32.66 | 23.53 | 30.96 | 29.21 | 28.15 | 21.74 | 26.97 | 28.64 | 31.47 | 23.63 | 34.62 | 43.03 | 46.57 | 37.27 | 50.25 | 46.84 | 42.90 | 30.26 | 43.28 | 44.41 | 50.83 | 41.13 | 56.43 | 57.90 | 59.66 | 45.66 | 51.77 | 57.28 | 64.02 | 48.15 | 73.95 | 94.77 | 99.34 | 78.11 | 99.98 | 102.12 | 102.70 | 77.32 | 99.45 | 98.85 | 91.72 | 64.21 | 83.85 | 76.93 | 73.99 | 53.18 | 67.78 | 63.03 | 62.38 | 44.06 | 14.60 | 14.89 | 14.57 | - | - | - | - |
Current Ratio |
1.4 | 1.5 | 1.5 | 1.5 | 1.4 | 1.4 | - | 1.4 | 1.4 | 1.4 | 1.8 | 1.9 | 1.8 | 1.7 | 1.7 | - | 1.7 | 1.7 | 1.6 | 1.6 | 1.5 | 1.5 | 1.5 | 1.5 | 1.5 | 1.4 | 1.4 | 1.4 | 1.4 | 1.3 | 1.3 | 1.3 | 1.3 | 1.2 | 1.2 | 1.2 | 1.2 | 1.1 | 1.1 | 1.1 | 1.1 | 1.1 | 1.1 | 1.1 | 1.1 | 1.1 | 1.2 | 1.2 | 1.2 | 1.1 | 1.1 | 1.1 | 1.1 | 1.1 | 1.1 | 1.1 | 1.1 | - | - | - | - |
DSO |
59.6 | 60.8 | 62.0 | 62.8 | 59.2 | - | 26.3 | 56.7 | 59.5 | - | 59.3 | 64.8 | 68.3 | - | 35.1 | 29.9 | 66.3 | - | 59.2 | 59.2 | 63.9 | - | 64.0 | 74.1 | 75.8 | - | 82.0 | 79.5 | 79.5 | - | 81.7 | 80.8 | 76.0 | - | 74.0 | 73.5 | 72.6 | - | 75.2 | 72.7 | 72.4 | - | 72.4 | 72.0 | 72.0 | - | 77.8 | 75.7 | 75.3 | - | 71.4 | 70.0 | 76.8 | - | 85.6 | 85.0 | 43.5 | - | - | - | - |
DPO |
- | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | 4456.2 | 10504.1 | - | 2114.7 | 10755.2 | 7696.2 | - | 9782.4 | 6914.9 | 10932.6 | - | 4976.8 | 4544.5 | 2554.5 | - | 15816.0 | 3508.8 | 21793.2 | - | 1082.8 | 678.4 | 755.4 | - | 22795.7 | - | - | - | - | - | - |
Operating Cycle |
- | - | 62.0 | 62.8 | 59.2 | - | - | 56.7 | 59.5 | - | 59.3 | 64.8 | 68.3 | - | 35.1 | 29.9 | 66.3 | - | 59.2 | 59.2 | 63.9 | - | 64.0 | 74.1 | 75.8 | - | 82.0 | 79.5 | 79.5 | - | 81.7 | 80.8 | 76.0 | - | 74.0 | 73.5 | 72.6 | - | 75.2 | 72.7 | 72.4 | - | 72.4 | 72.0 | 72.0 | - | 77.8 | 75.7 | 75.3 | - | 71.4 | 70.0 | 76.8 | - | 85.6 | 85.0 | 43.5 | - | - | - | - |
Cash Conversion Cycle |
- | - | 62.0 | 62.8 | 59.2 | - | - | 56.7 | 59.5 | - | 59.3 | 64.8 | 68.3 | - | 35.1 | 29.9 | 66.3 | - | 59.2 | 59.2 | 63.9 | - | 64.0 | 74.1 | 75.8 | - | 82.0 | 79.5 | 79.5 | - | 81.7 | -4375.4 | -10428.1 | - | -2040.7 | -10681.8 | -7623.6 | - | -9707.3 | -6842.2 | -10860.2 | - | -4904.4 | -4472.5 | -2482.5 | - | -15738.1 | -3433.0 | -21717.9 | - | -1011.4 | -608.3 | -678.5 | - | -22710.2 | 85.0 | 43.5 | - | - | - | - |
All numbers in USD currency
Multiples are an important financial analysis tool for the company EVERTEC, allowing investors and analysts to quickly assess the company’s value and investment attractiveness based on the ratio of market indicators to the company’s financial performance. Essentially, multiples express how the market values the company relative to its earnings, revenue, equity, or other key metrics.
Advantages of Using Financial Ratios- Simplified Data Analysis
Financial ratios transform large volumes of accounting data into compact and easily interpretable indicators, significantly simplifying the assessment of the company’s condition. - Comparability Between Companies
Multiples standardize financial metrics, enabling objective comparison of companies of different sizes, industries, and market capitalizations. - Identification of Trends and Issues
Regular analysis of ratios helps track the dynamics of financial health, identify strengths and weaknesses of the business, as well as potential risks. - Decision Support
Financial multiples serve as an important tool for investors, creditors, and company management in making investment, credit, and managerial decisions. - Accelerated Assessment of Investment Attractiveness
Ratios allow quick determination of key performance, liquidity, and financial stability indicators, facilitating prompt evaluation of companies’ attractiveness for investments.
Using multiples enables comparison between companies, even if they differ in size or industry, as they standardize financial data into ratios convenient for analysis. This is especially useful for evaluating companies where direct analysis of financial statements may be complex or require in-depth knowledge.
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