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Market Price

31.65 

0.44 1.4%

as of Dec 13 '19

52 Week Range:

25.13 37.38


Stock Analyzer Tutorials

S2O Stock Analyzer - General Info

General Info


type: video (mp4); length: 3:30

Demonstrates how to use Stock Analyzer, shows how to analyze a stock and explains in detail "General Info" section of the Stock Analyzer result page.

S2O Stock Analyzer - Financial Statements

Financial Statements


type: video (mp4); length: 5:10

Explains information presented in the Financial Statements section of the S2O Stock Analyzer: financial statements charts, absolute values and growth rates.

S2O Stock Analyzer - Growth Grade and Financial Ratios

Growth Grade and Financial Ratios


type: video (mp4); length: 5:09

Demonstrates how to use Growth Grade & Financial Ratios section; shows the difference between historical and year-over-year Growth Grade on the real life example.

S2O Stock Analyzer - Value Price

Value Price


type: video (mp4); length: 6:03

Demonstrates how to use Value Price (intrinsic value) and the Graham Number, MOS (margin of safety) and IRT - Investment Recovery Time; explains 3 different projection models used to compute value price - pessimistic, moderate and optimistic.

S2O Stock Analyzer - Price Charts

Price Charts


type: video (mp4); length: 8:34

Demonstrates basic rules of how to read a candlestick chart, long and short term moving averages, stochastic, MACD and relative strength (RS) charts. Explains how bull or bear market condition is computed.

General Info

EVERTEC, Inc. engages in transaction processing business serving financial institutions, merchants, corporations, and government agencies in Latin America and the Caribbean. The company operates in four segments: Payment Services - Puerto Rico & Caribbean; Payment Services - Latin America; Merchant Acquiring; and Business Solutions. It provides merchant acquiring services, which enable point of sales and e-commerce merchants to accept and process electronic methods of payment, such as debit, credit, prepaid, and electronic benefit transfer (EBT) cards. The company also offers payment processing services that enable financial institutions and other issuers to manage, support, and facilitate the processing for credit, debit, prepaid, automated teller machines and EBT card programs; credit and debit card processing, authorization and settlement, and fraud monitoring and control services to debit or credit issuers; and EBT services. In addition, it provides business process management solutions comprising core bank processing, network hosting and management, IT consulting services, business process outsourcing, item and cash processing, and fulfillment solutions to financial institutions, and corporate and government customers. The company manages a system of electronic payment networks that process approximately two billion transactions. It sells and distributes its services primarily through a proprietary direct sales force. The company was formerly known as Carib Latam Holdings, Inc. EVERTEC, Inc. was founded in 1988 and is based in San Juan, Puerto Rico.

Financial Statements

The charts below show selected Annual and Quarterly Financial Data.

The purpose of these charts is to discover long and short term change dynamics. When numbers are growing year after year in the annual statements chart, the business become stronger and stronger and this is a good sign.

Quarterly Data Chart can be used to do a short term analysis. It makes sense to pay attention to the quarterly dynamics and do not wait for the next yearly statement. We should be alerted if we see that quarterly numbers are going down.

You can check "Annual Financial Statements" and "Quarterly Financial Statements" sections for exact numbers and growth rates.

Annual Statements

On a charts below the Line shows absolute values and the Bar chart shows Year-Over-Year Growth Rate for selected financial statement item. A consistent GROWTH is generally considered necessary to fund future growth from within a business.
NOTE: Growth Rate is not provided if either the latest period or the year-ago period contains a net loss. (source: WSJ Digest of Earnings)
TIP! move your mouse pointer over bar or a circle on any chart below to see details.

Financial Statements

Income Statement



 

Cash Flow Statement



 

Balance Sheet



 

Liquidity Ratios

Current Ratio


 

Current Ratio measures the ability to meet short term obligations. Generally accepted standard is 2 (current assets should be 2 times or 200% of current liabilities).

Quick Ratio


 

Measures immediate liquidity or the cash available to cover immediate liabilities. A safe margin would be at least 1 (100%).

Financial Leverage


 

Defined as total assets divided by total shareholders' equity. The higher the ratio, the more debt a company uses in its capital structure.

Profitability Ratios

ROA


 

Return on Assets (ROA) measures the income (profit) that is generated by the use of the assets of the business.

ROE


 

Return on Equity (ROE) is a measure of profitability that calculates how many dollars of profit a company generates with each dollar of shareholders equity. ROE is sometimes called "return on net worth."

ROIC


 

The Return on Invested Capital (ROIC) measure gives a sense of how well a company is using its money to generate returns. Some investors use this figure as a final evaluation to determine whether or not to invest in a company.

Annual Statements

Item Name Dec '08 Dec '09 Dec '10 Dec '11 Dec '12 Dec '13 Dec '14 Dec '15 Dec '16 Dec '17 Dec '18
Equity (BVPS) 4.71
5.04
1.68
2.23
1.78
1.57
1.41
1.85
2.91
growth rate 7.0% -66.7% 32.7% -20.2% -11.8% -10.2% 31.2% 57.3%
Earnings BIT 73.45
88.50
25.16
-5.01
17.71
-26.61
104.89
103.36
107.15
97.58
125.13
growth rate 20.5% -71.6% -100.0% 100.0% -100.0% 100.0% -1.5% 3.7% -8.9% 28.2%
Avg.PE 26.00
25.31
13.86
17.08
18.22
24.59
growth rate -2.7% -45.2% 23.2% 6.7% 35.0%
ROA 19.00
23.80
1.50
2.31
7.64
-2.60
7.46
9.70
8.55
6.16
9.43
growth rate 25.3% -93.7% 54.0% 230.7% -100.0% 100.0% 30.0% -11.9% -28.0% 53.1%
ROE 21.70
27.30
4.90
6.61
31.67
-21.06
58.49
78.40
73.96
44.25
48.52
growth rate 25.8% -82.1% 34.9% 379.1% -100.0% 100.0% 34.0% -5.7% -40.2% 9.7%
ROIC 7.23
13.33
0.63
10.64
13.75
11.82
9.59
13.75
growth rate 84.4% -95.3% 1,588.9% 29.2% -14.0% -18.9% 43.4%
Cur. Ratio 2.34
1.34
0.96
1.29
1.31
1.23
1.14
1.58
growth rate -42.7% -28.4% 34.4% 1.6% -6.1% -7.3% 38.6%
Quick Ratio 1.84
1.10
0.75
1.04
1.01
1.01
0.92
1.26
growth rate -40.2% -31.8% 38.7% -2.9% 0.0% -8.9% 37.0%
Leverage 2.86
7.98
8.26
7.45
8.86
8.46
6.26
4.39
growth rate 179.0% 3.5% -9.8% 18.9% -4.5% -26.0% -29.9%
Balance Sheet Dec '08 Dec '09 Dec '10 Dec '11 Dec '12 Dec '13 Dec '14 Dec '15 Dec '16 Dec '17 Dec '18
Acct.Receivable 0.00
0.00
41.64
69.22
80.06
70.97
65.94
67.41
71.87
74.38
85.21
growth rate 66.2% 15.7% -11.4% -7.1% 2.2% 6.6% 3.5% 14.6%
Acct.Payable 64.07
62.68
47.96
17.75
21.22
40.85
41.14
47.27
growth rate -2.2% -23.5% -63.0% 19.5% 92.5% 0.7% 14.9%
Cur.Assets 141.06
152.24
129.97
118.37
129.15
134.72
158.27
168.71
216.19
growth rate 7.9% -14.6% -8.9% 9.1% 4.3% 17.5% 6.6% 28.2%
Total Assets 260.91
243.45
1,092.18
1,046.86
977.75
921.31
885.32
863.65
885.66
902.79
927.29
growth rate -6.7% 348.6% -4.2% -6.6% -5.8% -3.9% -2.5% 2.6% 1.9% 2.7%
Cash 24.73
11.89
55.20
61.49
30.57
27.92
32.11
28.75
51.92
50.42
69.97
growth rate -51.9% 364.3% 11.4% -50.3% -8.7% 15.0% -10.5% 80.6% -2.9% 38.8%
Cur.Liabilities 0.00
0.00
78.83
64.97
96.90
123.76
91.06
102.50
129.16
147.22
136.71
growth rate -17.6% 49.1% 27.7% -26.4% 12.6% 26.0% 14.0% -7.1%
Liabilities 0.00
0.00
752.57
680.68
855.29
809.98
790.48
765.44
777.49
754.81
711.69
growth rate -9.6% 25.7% -5.3% -2.4% -3.2% 1.6% -2.9% -5.7%
LT Debt 0.00
0.00
558.62
523.83
730.71
665.68
647.58
619.81
601.63
557.25
528.12
growth rate -6.2% 39.5% -8.9% -2.7% -4.3% -2.9% -7.4% -5.2%
Equity 228.47
211.48
339.61
366.18
122.46
111.33
94.84
98.21
104.68
144.11
211.46
growth rate -7.4% 60.6% 7.8% -66.6% -9.1% -14.8% 3.6% 6.6% 37.7% 46.7%
Common Shares 72.07
77.00
77.00
79.00
79.00
77.00
74.00
73.00
74.00
growth rate 6.8% 0.0% 2.6% 0.0% -2.5% -3.9% -1.4% 1.4%
Cash Flow Statement Dec '08 Dec '09 Dec '10 Dec '11 Dec '12 Dec '13 Dec '14 Dec '15 Dec '16 Dec '17 Dec '18
Capital Expenditures 0.00
0.00
40.96
8.96
16.61
11.69
10.90
21.02
18.45
11.29
13.93
growth rate -78.1% 85.4% -29.6% -6.8% 92.9% -12.2% -38.8% 23.4%
Cash Dividends 0.00
0.00
55.70
0.00
319.96
16.39
31.36
30.92
29.70
21.76
7.27
growth rate -100.0% -94.9% 91.3% -1.4% -4.0% -26.7% -66.6%
Cash From OA 50.01
69.37
82.66
62.61
139.82
162.42
168.05
145.79
172.73
growth rate 38.7% 19.2% -24.3% 123.3% 16.2% 3.5% -13.3% 18.5%
FCF per Share -0.05
1.56
1.57
1.51
1.60
1.79
growth rate 100.0% 0.6% -3.8% 6.0% 11.9%
Sale Purchase of Stock 2.64
0.45
37.46
0.54
-54.95
-39.95
-7.67
growth rate -83.0% 8,224.7% -98.6% -100.0% 0.0% 0.0%
FCF 9.05
46.00
55.00
34.00
114.00
115.00
126.00
112.00
131.00
growth rate 408.3% 19.6% -38.2% 235.3% 0.9% 9.6% -11.1% 17.0%
Income Statement Dec '08 Dec '09 Dec '10 Dec '11 Dec '12 Dec '13 Dec '14 Dec '15 Dec '16 Dec '17 Dec '18
Sales 281.11
276.30
297.43
321.12
342.49
358.40
361.79
373.53
389.51
407.14
453.87
growth rate -1.7% 7.7% 8.0% 6.7% 4.7% 0.9% 3.2% 4.3% 4.5% 11.5%
Op.Income 58.66
76.09
34.96
25.05
77.93
-84.65
104.89
103.36
107.15
97.58
125.13
growth rate 29.7% -54.1% -28.4% 211.1% -100.0% 100.0% -1.5% 3.7% -8.9% 28.2%
IBT 73.45
88.50
25.16
-5.01
17.71
-25.68
75.06
82.04
83.40
60.20
99.17
growth rate 20.5% -71.6% -100.0% 100.0% -100.0% 100.0% 9.3% 1.7% -27.8% 64.7%
Net Income 49.54
57.84
16.59
25.05
77.93
-84.65
66.16
85.38
75.04
55.05
86.27
growth rate 16.8% -71.3% 51.0% 211.1% -100.0% 100.0% 29.1% -12.1% -26.6% 56.7%
EPS 0.69
0.81
0.23
0.31
1.01
-0.34
0.84
1.11
1.01
0.76
1.16
growth rate 17.4% -71.6% 34.8% 225.8% -100.0% 100.0% 32.1% -9.0% -24.8% 52.6%
Gross Profit 116.69
126.23
142.34
165.75
182.82
195.42
204.25
205.61
213.70
217.99
256.91
growth rate 8.2% 12.8% 16.4% 10.3% 6.9% 4.5% 0.7% 3.9% 2.0% 17.9%

Quarterly Statements

Item Name Sep '18 Dec '18 Mar '19 Jun '19 Sep '19
Earnings BIT 32.36
28.57
37.41
37.69
34.80
growth rate -11.7% 30.9% 0.8% -7.7%
Balance Sheet Sep '18 Dec '18 Mar '19 Jun '19 Sep '19
Acct.Receivable 85.08
85.21
100.33
95.64
94.70
growth rate 0.2% 17.8% -4.7% -1.0%
Acct.Payable 37.40
47.27
46.00
34.92
24.97
growth rate 26.4% -2.7% -24.1% -28.5%
Cur.Assets 216.53
216.19
217.26
206.24
244.53
growth rate -0.2% 0.5% -5.1% 18.6%
Total Assets 928.60
927.29
968.78
950.49
980.07
growth rate -0.1% 4.5% -1.9% 3.1%
Cash 91.31
69.97
73.18
64.03
102.54
growth rate -23.4% 4.6% -12.5% 60.2%
Inventory
growth rate
Cur.Liabilities 125.46
136.71
148.05
114.52
128.34
growth rate 9.0% 8.3% -22.7% 12.1%
Liabilities 713.65
711.69
752.28
721.69
730.81
growth rate -0.3% 5.7% -4.1% 1.3%
LT Debt 541.95
528.12
528.62
531.07
530.90
growth rate -2.6% 0.1% 0.5% 0.0%
Equity 210.85
211.46
212.26
224.48
245.20
growth rate 0.3% 0.4% 5.8% 9.2%
Common Shares 0.73
0.72
0.72
0.72
0.72
growth rate -0.6% -0.1% -0.4% 0.0%
Cash Flow Statement Sep '18 Dec '18 Mar '19 Jun '19 Sep '19
Capital Expenditures 2.78
4.31
5.07
10.55
6.37
growth rate 55.0% 17.6% 108.1% -39.7%
Cash Dividends 3.64
3.64
3.62
3.61
3.60
growth rate 0.0% -0.6% -0.2% -0.4%
Cash From OA 51.59
44.29
29.34
46.61
60.22
growth rate -14.1% -33.8% 58.9% 29.2%
Sale Purchase of Stock
growth rate
FCF 48.80
39.98
24.27
36.06
53.85
growth rate -18.1% -39.3% 48.6% 49.3%
Income Statement Sep '18 Dec '18 Mar '19 Jun '19 Sep '19
Sales 112.02
118.23
118.84
122.55
118.80
growth rate 5.6% 0.5% 3.1% -3.1%
Op.Income 32.36
28.57
37.41
37.69
34.80
growth rate -11.7% 30.9% 0.8% -7.7%
IBT 26.38
22.49
30.54
29.63
28.51
growth rate -14.7% 35.8% -3.0% -3.8%
Net Income 23.00
20.20
26.64
27.06
24.75
growth rate -12.2% 31.9% 1.6% -8.5%
EPS
growth rate
Gross Profit 62.55
67.29
68.82
69.95
66.93
growth rate 7.6% 2.3% 1.6% -4.3%
R&D
growth rate

Growth Grade & Financial Ratios

All financial ratios below are calculated based on latest annual statements available and present the most up to date snapshot of a company finances.

Growth Grade

Historical Growth Grade:

C (65.14)

YOY Growth Grade:

D (40.64)

Click on buttons above for detailed yearly growth rates.

Market Ratios

Profitability Ratios

Liquidity Ratios

Efficiency Ratios

Value Price

PE and EPS

Historical Current Forward
PE 22.96 23.64 14.17
EPS / Growth -2.0% 1.34 1.8%

Value Price & Investment Recovery Time

Read more about Stock2Own value price in Stock Market: Fundamental Analysis.

Equity Growth Rate: 14.9%

Estimates Pessimistic Moderate Optimistic My Numbers
Rate of Return 15.0%
MOS Price % 50 %
Future EPS Growth 1.0% 5.9% 5.9%
Future PE 2.00 16.31 16.31
Future EPS 1.48 2.38 2.38
Value Price
MOS %
0.73
-97.7%
9.58
-69.7%
9.58
-69.7%
MOS Price 0.37 4.79 4.79
IRT 21.13 14.65 14.65

Graham Number:

NOTE: The Graham Number applies only to certain types of stocks in combination with a number of other criteria.

Read more about Graham Number in Stock Market: Fundamental Analysis.

Price Chart

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Risk / Reward Ratios

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