EVERTEC, Inc. — Software - Infrastructure. Scored on the same transparent 7-signal model behind the daily rankings.
★
EVTC
EVERTEC, Inc. · Software - Infrastructure
FCF$197mC
Rev+10.2%B
D/E1.49C
P/E14.0xA-
PEG1.36B
71.5Score
$29.12$1.8B
1Y Target$31.00Analyst consensus · 5 analysts
5Y Target$39.14Compound horizon
10Y Target$50.19Long-dated conviction
FCF$197mTTMC
FCF $197m — modest; watch for margin expansion
Rev+10.2%TTM YoYB
Revenue +10.2% — at or above S&P median
D/E1.49C
D/E 1.49 — more levered than most Technology peers (≈90th pctile)
P/E14.0xA-
P/E 14.0 — cheaper than most Technology peers (≈25th pctile)
PEG1.36proxyB
PEG 1.36 — acceptable premium for growth · PEG proxy: P/E ÷ revenue growth % (true PEG requires forward EPS estimates, not in Finnhub free tier).
Forward price target — the 1-year figure is the analyst consensus where the stock is covered; the 5- and 10-year figures compound our earnings estimate from there. The DCF below is a separate cross-check on intrinsic value (what it's worth today), not another target.
Quality-growth score · 71.5
Quality0.70
Growth0.76
Value0.69
Why this score
Buying back stock
Entry · Margin of safety
52-week rangeMid-range
23% off the 12-month high
vs DCF fair value60% belowest. fair value ~$72
Quality signals · context only
Gross profitability41% · A-gross profit ÷ total assets (Novy-Marx)
ROIC8.1% · Breturn on invested capital — not score-weighted
Why now
Software - Infrastructure · market cap $1.8b. Down 23% from 52-week high of $37.71 — deep drawdown territory. Revenue growing +10%, comfortably above the S&P median. 5 sell-side analysts publish a mean 1-yr target of $31.00 (implying +6% upside).
Moat
Net margin 14% beats the market median by a meaningful margin — the company is keeping more of every revenue dollar than the average S&P constituent. ROE 20% sits above Buffett's preferred 15% threshold — the equity base is compounding at a rate the market struggles to discount accurately. FCF converts 145% of net income — earnings translate cleanly into cash, a sign that working capital and capex are well-disciplined.
Risk
AI-native re-pricing — GPT-class models are compressing the cost of features that took years to build; the moat thesis depends on owning the workflow, not just the feature set.
Horizon
1-3 yr $31.00 (5-analyst consensus) — multiple re-rating thesis requires a catalyst. 5 yr $39.14 at ~6% CAGR — dividend + buyback compounding. 10 yr $50.19 if the moat survives secular pressure.
Not investment advice. The Bull Rankings publishes a quantitative ranking model and accompanying analysis for general informational purposes only. Nothing on this page is a recommendation to buy, sell, or hold any security; nothing is personalized to your circumstances, risk tolerance, or tax situation. Investing carries the risk of loss — invest at your own risk and consider consulting a licensed financial professional before acting on anything you read here. See terms and methodology for full disclosures.
Score history · EVTC
Trend
-5.3 over 14 daily scores
From 76.8 (Jun 22) → 71.5 (now)
One point per daily model run. The range autoscales, so a flat-looking line can still hide 1–2 point moves — read the From → To values for the actual range.
Position sizing · EVTC
$
%
%
Shares to buy
68
Position size
$1,980
4.0% of portfolio
Stop price
$21.84
25% below $29.12
$ at risk if stopped
$495.04
budget $500.00 · 1% of portfolio
Math only — share count is floor(portfolio × risk% ÷ (price × stop%)). Doesn't account for commissions, slippage, gap risk, or position-correlation across your book. Inputs persist locally; never sent to the server. Not investment advice.
EVERTEC, Inc. (EVTC): score, valuation & FAQ
EVERTEC, Inc. (EVTC) is a Software - Infrastructure company that scores 71.5 out of 100 on the Bull Rankings quality-growth model — a solid, above-average reading. The score blends three pillars — quality (durable returns, healthy margins, low leverage), growth (revenue and earnings), and value (valuation versus sector peers) — into one number, refreshed daily; it is a screen, not a buy recommendation.
Its strongest graded signals are P/E (A-). On valuation, EVTC sits about 60% below our discounted-cash-flow fair value (a margin of safety).
Is EVTC a good stock to buy?
Bull Rankings scores EVTC 71.5 out of 100 on its quality-growth model, which is a solid, above-average reading. That is driven by P/E (A-). A score is a quantitative screen of EVERTEC, Inc.'s fundamentals, not personalised financial advice — weigh it against your own time horizon and risk tolerance, and read the risk factors below before acting.
Why does EVTC score 71.5 on Bull Rankings?
The quality-growth score blends three pillars — quality (returns on capital, margins, leverage, earnings quality), growth (revenue and earnings expansion), and value (valuation versus sector peers). EVTC earns its highest marks on P/E (A-). Each pillar is graded against sector-aware thresholds, then combined into the single 0–100 score.
Is EVTC overvalued or undervalued?
Based on $29.12, EVTC sits about 60% below our discounted-cash-flow fair value (a margin of safety). It trades at a 14.0x× P/E (graded A-). Discounted-cash-flow estimates are sensitive to growth and discount-rate assumptions, so treat this as a cross-check, not a price target.
What are the main risks of investing in EVTC?
AI-native re-pricing — GPT-class models are compressing the cost of features that took years to build; the moat thesis depends on owning the workflow, not just the feature set.
Bull Rankings is an automated fundamentals screen for research and education. It is not investment advice, and nothing here is a recommendation to buy or sell any security. Do your own research and consider consulting a licensed financial adviser.