EVERTEC INC.
stock DE:2EV (FRANKFURT)

Alternative ID: PR30040P1032

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Exchange: FRANKFURT
Sector: Technology
Industry: Software—Infrastructure
Market Cap: Mid (2.19B)
Data in EUR

EPS: 1.34
Current PE: 21.43
BVPS: 5.18
Price/BVPS:
Dividend: 0.20 / 0.7%

Hist Grade: A (87.65)
YOY Grade: C (61.19)
Debt/FCF: 2.67
ROIC: 19.8%
PEG: 1.60
PEGY: 1.52

Value Price: 31.60
MOS Price: 15.80
MOS %:
Graham Number: 12.52
Graham MOS %:
IRT: 9.28

Market Price

Price is unknown

Stock Analyzer Tutorials

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.

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.

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.

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.

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

Exchange: FRANKFURT
Sector: Technology
Industry: Software—Infrastructure
Market Cap: Mid (2.19B)
Inst. Ownership: 91.38%
Insider Ownership: 0.49%
Full Time Employees: 2500

EVERTEC, Inc. engages in transaction processing business in Latin America and the Caribbean. The company operates through Payment Services - Puerto Rico & Caribbean; Payment Services - Latin America; Merchant Acquiring; Business Solutions, and Corporate and Other segments. 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, business process outsourcing, item and cash processing, and fulfillment solutions to financial institutions, and corporate and government customers. Further, the company owns and operates the ATH network, an automated teller machine and personal identification number debit networks. It manages a system of electronic payment networks that process approximately three billion transactions. The company sells and distributes its services primarily through direct sales force. It serves financial institutions, merchants, corporations, and government agencies. EVERTEC, Inc. was founded in 1988 and is headquartered 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 '11	Dec '12	Dec '13	Dec '14	Dec '15	Dec '16	Dec '17	Dec '18	Dec '19	Dec '20	Dec '21
Equity (BVPS)			1.62	1.47	1.44	1.33	1.55	2.55	3.05	3.46	5.18
growth rate				-9.3%	-2.0%	-7.6%	16.5%	64.5%	19.6%	13.4%	49.7%
Earnings BIT				104.89	103.36	107.15	97.58	125.13	144.50	141.39	196.51
growth rate					-1.5%	3.7%	-8.9%	28.2%	15.5%	-2.2%	39.0%
Avg.PE					14.80	16.16	17.61	28.42	28.42	28.42	28.42
growth rate						9.2%	9.0%	61.4%	0.0%	0.0%	0.0%
ROA	2.31	7.64	-2.60	7.46	9.70	8.55	6.16	9.43	10.67	10.02	14.53
growth rate		230.7%	-100.0%	100.0%	30.0%	-11.9%	-28.0%	53.1%	13.2%	-6.1%	45.0%
ROE	6.61	31.67	-21.06	58.49	78.40	73.96	44.25	48.52	43.23	34.53	40.08
growth rate		379.1%	-100.0%	100.0%	34.0%	-5.7%	-40.2%	9.7%	-10.9%	-20.1%	16.1%
ROIC	7.23	13.33	1.18	10.95	12.67	12.78	10.83	14.80	16.28	14.77	19.81
growth rate		84.4%	-91.2%	828.0%	15.7%	0.9%	-15.3%	36.7%	10.0%	-9.3%	34.1%
Cur. Ratio	2.34	1.34	0.96	1.29	1.31	1.23	1.14	1.58	1.91	2.35	2.85
growth rate		-42.7%	-28.4%	34.4%	1.6%	-6.1%	-7.3%	38.6%	20.9%	23.0%	21.3%
Quick Ratio	1.84	1.10	0.75	1.04	1.01	1.01	0.92	1.26	1.52	1.98	2.51
growth rate		-40.2%	-31.8%	38.7%	-2.9%	0.0%	-8.9%	37.0%	20.6%	30.3%	26.8%
Leverage	2.86	7.98	8.26	7.45	8.86	8.46	6.26	4.39	3.79	3.18	2.46
growth rate		179.0%	3.5%	-9.8%	18.9%	-4.5%	-26.0%	-29.9%	-13.7%	-16.1%	-22.6%
Balance Sheet	Dec '11	Dec '12	Dec '13	Dec '14	Dec '15	Dec '16	Dec '17	Dec '18	Dec '19	Dec '20	Dec '21
Acct.Receivable				65.94	67.41	71.87	74.38	85.21	95.65	87.75	103.55
growth rate					2.2%	6.6%	3.5%	14.6%	12.3%	-8.3%	18.0%
Acct.Payable				17.75	21.22	40.85	41.14	47.27	39.17	43.35	28.48
growth rate					19.5%	92.5%	0.7%	14.9%	-17.2%	10.7%	-34.3%
Cur.Assets				129.15	134.72	158.27	168.71	216.19	276.02	359.05	436.35
growth rate					4.3%	17.5%	6.6%	28.2%	27.7%	30.1%	21.5%
Total Assets				885.32	863.65	885.66	902.79	927.29	1,011.68	1,072.58	1,144.76
growth rate					-2.5%	2.6%	1.9%	2.7%	9.1%	6.0%	6.7%
Cash				32.11	28.75	51.92	50.42	69.97	111.03	202.65	266.35
growth rate					-10.5%	80.6%	-2.9%	38.8%	58.7%	82.5%	31.4%
Cur.Liabilities				91.06	102.50	129.16	147.22	136.71	144.31	152.99	152.88
growth rate					12.6%	26.0%	14.0%	-7.1%	5.6%	6.0%	-0.1%
Liabilities				790.48	765.44	777.49	754.81	711.69	740.05	730.15	674.49
growth rate					-3.2%	1.6%	-2.9%	-5.7%	4.0%	-1.3%	-7.6%
LT Debt				647.58	619.81	601.63	557.25	528.12	525.40	506.62	458.18
growth rate					-4.3%	-2.9%	-7.4%	-5.2%	-0.5%	-3.6%	-9.6%
Equity				94.84	98.21	104.68	144.11	211.46	267.19	337.74	466.21
growth rate					3.6%	6.6%	37.7%	46.7%	26.4%	26.4%	38.0%
Common Shares	77.00	77.00	79.00	79.00	77.00	74.00	73.00	0.72	0.72	0.72	0.72
growth rate		0.0%	2.6%	0.0%	-2.5%	-3.9%	-1.4%	-99.0%	-0.4%	0.1%	-0.3%
Cash Flow Statement	Dec '11	Dec '12	Dec '13	Dec '14	Dec '15	Dec '16	Dec '17	Dec '18	Dec '19	Dec '20	Dec '21
Capital Expenditures				10.90	21.02	18.45	11.29	13.93	23.00	17.08	25.10
growth rate					92.9%	-12.2%	-38.8%	23.4%	65.1%	-25.7%	47.0%
Cash Dividends				31.36	30.92	29.70	21.76	7.27	14.42	14.38	14.41
growth rate					-1.4%	-4.0%	-26.7%	-66.6%	98.3%	-0.3%	0.2%
Cash From OA				139.82	162.42	168.05	145.79	172.73	179.95	199.09	228.42
growth rate					16.2%	3.5%	-13.3%	18.5%	4.2%	10.6%	14.7%
FCF per Share			-0.04	1.29	1.44	1.43	1.34	1.56	1.38	1.32	2.22
growth rate				100.0%	11.6%	-0.7%	-6.3%	16.4%	-11.5%	-4.4%	68.2%
Sale Purchase of Stock				0.54	-54.95	-39.95	-7.67
growth rate					-100.0%	0.0%	0.0%
FCF	46.00	55.00	34.00	114.00	115.00	126.00	112.00	131.00	120.00	150.00	162.00
growth rate		19.6%	-38.2%	235.3%	0.9%	9.6%	-11.1%	17.0%	-8.4%	25.0%	8.0%
Income Statement	Dec '11	Dec '12	Dec '13	Dec '14	Dec '15	Dec '16	Dec '17	Dec '18	Dec '19	Dec '20	Dec '21
Sales				361.79	373.53	389.51	407.14	453.87	487.37	510.59	589.80
growth rate					3.2%	4.3%	4.5%	11.5%	7.4%	4.8%	15.5%
Op.Income				104.89	103.36	107.15	97.58	125.13	144.50	141.39	196.51
growth rate					-1.5%	3.7%	-8.9%	28.2%	15.5%	-2.2%	39.0%
IBT				75.06	82.04	83.40	60.20	99.17	116.68	123.85	181.71
growth rate					9.3%	1.7%	-27.8%	64.7%	17.7%	6.2%	46.7%
Net Income				66.16	85.38	75.04	55.05	86.27	103.47	104.44	161.13
growth rate					29.1%	-12.1%	-26.6%	56.7%	19.9%	0.9%	54.3%
EPS	0.31	1.01	-0.34	0.84	1.11	1.01	0.76	1.16	1.41	1.43	2.21
growth rate		225.8%	-100.0%	100.0%	32.1%	-9.0%	-24.8%	52.6%	21.6%	1.4%	54.6%
Gross Profit				204.25	205.61	213.70	217.99	256.91	274.00	283.72	339.63
growth rate					0.7%	3.9%	2.0%	17.9%	6.7%	3.6%	19.7%

Quarterly Statements

Item Name	Jun '21	Sep '21	Dec '21	Mar '22	Jun '22
Earnings BIT	54.29	47.02	49.61	48.64	46.65
growth rate		-13.4%	5.5%	-2.0%	-4.1%
Balance Sheet	Jun '21	Sep '21	Dec '21	Mar '22	Jun '22
Acct.Receivable	98.08	99.64	103.55	106.58	109.48
growth rate		1.6%	3.9%	2.9%	2.7%
Acct.Payable	27.82	34.07	28.48	30.47	34.44
growth rate		22.5%	-16.4%	7.0%	13.0%
Cur.Assets	355.54	403.07	436.35	473.58	489.79
growth rate		13.4%	8.3%	8.5%	3.4%
Total Assets	1,070.78	1,108.49	1,144.76	1,161.57	1,169.34
growth rate		3.5%	3.3%	1.5%	0.7%
Cash	199.89	244.13	266.35	283.61	288.06
growth rate		22.1%	9.1%	6.5%	1.6%
Cur.Liabilities	136.91	152.80	152.88	160.51	166.31
growth rate		11.6%	0.1%	5.0%	3.6%
Liabilities	672.74	680.56	674.49	666.42	656.74
growth rate		1.2%	-0.9%	-1.2%	-1.5%
LT Debt	473.85	467.54	458.18	441.60	432.72
growth rate		-1.3%	-2.0%	-3.6%	-2.0%
Equity	393.77	423.79	466.21	490.88	508.75
growth rate		7.6%	10.0%	5.3%	3.6%
Common Shares	0.72	0.72	0.72	0.72	0.71
growth rate		0.0%	0.0%	-0.3%	-0.6%
Cash Flow Statement	Jun '21	Sep '21	Dec '21	Mar '22	Jun '22
Capital Expenditures	4.08	3.59	12.72	5.63	4.42
growth rate		-12.1%	254.7%	-55.8%	-21.4%
Cash Dividends	3.61	3.60	3.60	3.60	3.58
growth rate		-0.3%	0.0%	0.0%	-0.5%
Cash From OA	77.28	63.83	52.57	70.35	59.55
growth rate		-17.4%	-17.6%	33.8%	-15.4%
Sale Purchase of Stock
growth rate
FCF	73.20	60.24	39.85	64.72	55.13
growth rate		-17.7%	-33.9%	62.4%	-14.8%
Income Statement	Jun '21	Sep '21	Dec '21	Mar '22	Jun '22
Sales	149.15	145.88	155.24	150.25	160.57
growth rate		-2.2%	6.4%	-3.2%	6.9%
Op.Income	54.29	47.02	49.61	48.64	46.65
growth rate		-13.4%	5.5%	-2.0%	-4.1%
IBT	51.72	42.39	47.28	45.04	41.24
growth rate		-18.0%	11.5%	-4.7%	-8.4%
Net Income	49.20	35.31	41.12	38.90	33.59
growth rate		-28.2%	16.4%	-5.4%	-13.7%
Gross Profit	89.77	82.89	86.65	85.59	86.26
growth rate		-7.7%	4.5%	-1.2%	0.8%

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:

A (87.65)

YOY Growth Grade:

C (61.19)

Click on buttons above for detailed yearly growth rates.

Market Ratios

Dividend Yield: 0.7%
Beta: 0.96
Beta of 0.9613 suggests that the asset is volatile as the rest of the market (fairly priced).
PE: 21.43
EY: 4.7%
PEG: 1.60
PEG Ratio of 1.60 suggests that stock is overpriced.
PEGY: 1.52
PEGY Ratio of 1.52 suggests that stock is overpriced.
Price/BVPS:

Profitability Ratios

ROE: 40.1%
Return on Equity (ROE) of 40.1% suggests that a company is doing well.
ROS: 33.3%
The value of Return on Sales depends on the business and/or industry. Usually the higher ratio the better.
ROA: 15.9%
Return on Assets (ROA). Low ratio usually means poor performance, or ineffective use of assets by management. High ratio usually means good performance.
ROI: 39.0%
Return on Investment (ROI) of 39.0% suggests that a company is doing well.
ROIC: 19.8%
Return on Invested Capital (ROIC) of 19.8% suggests that a company is doing well.

Liquidity Ratios

Current Ratio: 2.85
Current Ratio of 2.85 suggests that money that could be working for the business is tied up in government securities, cash savings or other safe funds.
Quick Ratio: 2.42
Quick Ratio of 2.42 suggests that a company is doing well.
Cash Turnover: 2.08
Turnover Of Cash Ratio of 2.08 suggests that a company may have funds tied up in short-term low-yielding assets or may have a cash surplus, which is not invested in the business.
Equity Ratio: 40.7%
Equity Ratio of 40.7% suggests that a company has high financing and debt service costs, not very attractive to investors.
Debt/Equity: 144.7%
Debt to Equity Ratio of 144.7% suggests that greater risk assumed by creditors, hence greater interest by them in the way the company is being managed.
Debt/FCF: 2.67
Debt/FCF of 2.67 suggests that a company is doing well and can pay off its long term debt within three years.

Efficiency Ratios

Avg Collection Period: 64.08
Average Collection Period of 64.08 days suggests a slow turnover, which may be the result of a number of bad accounts, or a tax collection policy or perhaps credit is being used to generate sales.
Inventory Turnover:
Cash Flow Ratio:
Profit Margin: 27.3%

Value Price

PE and EPS

	Historical	Current	Forward
PE	22.47	21.43	10.98
EPS / Growth	2.2%	1.34	13.4%

Value Price & Investment Recovery Time

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

Equity Growth Rate: 32.1%

Estimates	Pessimistic	Moderate	Optimistic
Rate of Return	15.0%
MOS Price %	50 %
Future EPS Growth	2.2%	15.9%	15.9%
Future PE	4.48	21.75	21.75
Future EPS	1.68	5.88	5.88
Value Price MOS %	1.86	31.60	31.60
MOS Price	0.93	15.80	15.80
IRT

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.

Graham Number: 12.52
Graham MOS:

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