EVERTEC, Inc. (EVTC) intrinsic value & 10-year financials
EVERTEC, Inc. (EVTC) has a Graham intrinsic value of $46.50 per share. At $31.19 on Oct 17, 2026, the stock trades 33% below that value. Over the last 10 fiscal years revenue grew 10.2% a year to $931.8M, with an average return on invested capital of 16.4%.
- Graham intrinsic value
- $46.50
- Share price (Oct 17, 2026)
- $31.19
- Price vs Graham value
- 33% below
- Market cap
- $2.0B
- Revenue (FY2025)
- $931.8M
- Revenue growth (10-yr CAGR)
- 10.2%
- ROIC (10-yr avg)
- 16.4%
- Free cash flow (FY2025)
- $203.7M
EVTC 10-year financial history
| Fiscal year | Revenue | Net income | EPS (diluted) | Free cash flow | Operating margin | ROIC |
|---|---|---|---|---|---|---|
| FY2025 | $931.8M | $141.6M | $2.20 | $203.7M | 20.0% | 13.5% |
| FY2024 | $845.5M | $112.6M | $1.73 | $234.7M | 19.6% | 13.1% |
| FY2023 | $694.7M | $79.7M | $1.21 | $202.8M | 19.6% | 12.9% |
| FY2022 | $618.4M | $239.0M | $3.45 | $196.3M | 25.5% | 20.4% |
| FY2021 | $589.8M | $161.1M | $2.21 | $203.3M | 33.3% | 26.1% |
| FY2020 | $510.6M | $104.4M | $1.43 | $182.0M | 27.7% | 17.6% |
| FY2019 | $487.4M | $103.5M | $1.41 | $156.9M | 29.6% | 18.5% |
| FY2018 | $453.9M | $86.3M | $1.16 | $158.8M | 27.6% | 15.9% |
| FY2017 | $407.1M | $55.1M | $0.76 | $134.5M | 21.1% | 11.6% |
| FY2016 | $389.5M | $75.0M | $1.01 | $149.6M | 27.5% | 14.4% |
Source: annual 10-K filings on SEC EDGAR. Figures in USD.
Executive summary
EVERTEC, Inc. is a consistent compounder, expanding top-line revenue at 10.2% annually over the past decade.
EVERTEC, Inc. has earned high returns on invested capital, averaging 16.4% ROIC over the available history. High ROIC is consistent with a durable franchise, but it is not by itself proof of an economic moat.
Over the decade, EVERTEC, Inc. shows that management has aggressively returned capital to shareholders by retiring 13.5% of outstanding shares.
Benjamin Graham lens
Under Benjamin Graham's formula using SEC EDGAR fundamentals, EVERTEC, Inc. is modeled at 8.0% normalized earnings growth with a 5.1% bond-yield adjustment. The resulting Graham intrinsic value estimate is $46.50 per share.