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EVTCEvertec, Inc.Sell6.3·$23.81+2.27%
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Evertec, Inc. (EVTC) Stock Analysis

Recovery setup

SellModerate Confidence

Technology · Software - Infrastructure

Sell if holding. At $23.81, A.R:R 1.4:1 is below the 1.5:1 minimum. Reward from here is too thin for a buy — the engine flags exit. Additional concerns: Concentration risk — Customer: Banco Popular (29.0%); Sector modifier (Technology): -0.8.

Evertec is a full-service transaction-processing and financial technology provider in Latin America, Puerto Rico, and the Caribbean, operating merchant acquiring, payment services, and business solutions across 26 countries. It processes over 10 billion transactions annually;... Read more

$23.81+13.4% A.UpsideScore 6.3/10#9 of 77 Software - Infrastructure
QualityF-score8 / 9FCF yield8.88%
IncomeYield0.86%(5y avg 0.56%)Payout9.62%sustainable
Stop $22.12Target $26.97(analyst − 13%)A.R:R 1.4:1
Analyst target$31.00+30.2%5 analysts
$26.97our TP
$23.81price
$31.00mean
$40

Sell if holding. At $23.81, A.R:R 1.4:1 is below the 1.5:1 minimum. Reward from here is too thin for a buy — the engine flags exit. Additional concerns: Concentration risk — Customer: Banco Popular (29.0%); Sector modifier (Technology): -0.8. Chart setup: Death cross but MACD improving, RSI 44. Score 6.3/10, moderate confidence.

Passes 7/10 gates (positive momentum, clean insider activity, no SEC red flags, news events none recent, earnings proximity 49d clear, semi cycle peak clear, materials cycle peak clear). Fails on favorable risk/reward ratio and death cross (50MA < 200MA). Suitability: aggressive.

news + 30-day 8-K events · 5-min refresh

Recent developments

updated 2026-06-10
TrendMatrix Research · upcoming catalyst calendar

Upcoming dated catalysts

Wed, Jul 29, 202649d to earnings· next earnings call

Thesis

Rewards
Strong earnings beat streak (3/4)
Attractive valuation
Strong growth profile
Risks
Concentration risk — Customer: Banco Popular (29.0%)
Sector modifier (Technology): -0.8
Leverage penalty (D/E 1.5): -0.5

Key Metrics

P/E (TTM)11.2
P/E (Fwd)5.4
Mkt Cap$1.4B
EV/EBITDA8.9
Profit Mgn13.9%
ROE20.2%
Rev Growth8.4%
Beta0.74
Dividend0.86%
Rating analysts12

Quality Signals

Piotroski F8/9MoatNarrow

Options Flow

P/C0.29bullish
IV67%elevated
Max Pain$18-26.5% vs spot

Concentration Risks(10-K Item 1A)

  • HIGHCustomerBanco Popular29%
    10-K Item 1A: 'For the year ended December 31, 2025, approximately 29% of our revenue was attributable to Banco Popular, a wholly-owned subsidiary of Popular.'

Model-generated analysis — not investment advice. Not a registered investment advisor. Past performance does not guarantee future results.

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Performance. Past performance is not indicative of future results. Performance figures reflect the published model only and do not reflect any individual subscriber's actual results.

Methodology · Editorial policy & full disclaimer

Rating Breakdown

10 dimensions · all in-band

GatesA.R:R 1.4 < 1.5@spotDeath cross (50MA < 200MA)Momentum 4.6<5.5 (soft — BUY_NOW allowed but watch)Momentum 4.6>=4.5Insider activity: OKNo SEC red flagsNEWS EVENTS NONE RECENTEARNINGS PROXIMITY 49d clearSEMI CYCLE PEAK CLEARMATERIALS CYCLE PEAK CLEARRecoverySuitability: Aggressive
RSI
44 · Neutral
20D MA 50D MA 200D MADEATH CROSSSupport $21.81Resistance $25.60

Price Targets

$22
$27
A.Upside+13.3%
A.R:R1.4:1

Position Sizing

ConvictionNone
Suggested %0.5%
Max %1%
RegimeRisk-Off

Risk Alerts

! asymmetry at 1.4 (below the engine's 1.5 threshold)@spot
! Death cross — 50-day MA below 200-day MA

Earnings

B
B
B
M
3/4 beats
Next Earnings2026-07-29 (49d)

Verdict History

reverse chrono — latest first
Loading history...
Verdicts are recorded on every nightly pipeline run. Rows capture transitions (verdict flips, score deltas ≥0.3, entry/TP/SL changes). Rows with a ▶ can be expanded to see the change reason. Aggregate cohort performance is tracked in the recommendation ledger.
Frequently Asked Questions
Is EVTC stock a buy right now?

Sell if holding. At $23.81, A.R:R 1.4:1 is below the 1.5:1 minimum. Reward from here is too thin for a buy — the engine flags exit. Additional concerns: Concentration risk — Customer: Banco Popular (29.0%); Sector modifier (Technology): -0.8. Chart setup: Death cross but MACD improving, RSI 44. Prior stop was $22.12. Score 6.3/10, moderate confidence.

What is the EVTC stock price target?

Take-profit target: $26.97 (+13.4% upside). Prior stop was $22.12. Stop-loss: $22.12.

What are the risks of investing in EVTC?

Concentration risk — Customer: Banco Popular (29.0%); Sector modifier (Technology): -0.8; Leverage penalty (D/E 1.5): -0.5.

Is EVTC overvalued or undervalued?

Evertec, Inc. trades at a P/E of 11.2 (forward 5.4). TrendMatrix value score: 8.5/10. Verdict: Sell.

What do analysts say about EVTC?

12 analysts cover EVTC with a consensus score of 3.9/5. Average price target: $31.

What does Evertec, Inc. do?Evertec is a full-service transaction-processing and financial technology provider in Latin America, Puerto Rico, and...

Evertec is a full-service transaction-processing and financial technology provider in Latin America, Puerto Rico, and the Caribbean, operating merchant acquiring, payment services, and business solutions across 26 countries. It processes over 10 billion transactions annually; approximately 29% of 2025 revenue came from its relationship with Banco Popular.

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