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Evertec, Inc. (EVTC) Stock Analysis

Falling Knife setup

SellModerate Confidence

Technology · Software - Infrastructure

Sell if holding. At $24.30, A.R:R 1.0:1 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

$24.30+13.9% A.UpsideScore 6.3/10#14 of 78 Software - Infrastructure
QualityF-score8 / 9FCF yield8.51%
IncomeYield0.82%(5y avg 0.56%)Payout9.62%sustainable
Stop $22.60Target $27.67(analyst − 13%)A.R:R 1.0:1
Analyst target$31.80+30.9%5 analysts
$27.67our TP
$24.30price
$31.80mean
$40

Sell if holding. At $24.30, A.R:R 1.0:1 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, below all MAs, RSI 25, MACD bearish. Score 6.3/10, moderate confidence.

Passes 5/8 gates (clean insider activity, no SEC red flags, earnings proximity 71d clear, semi cycle peak clear, materials cycle peak clear). Fails on weak momentum and favorable risk/reward ratio and death cross (50MA < 200MA). Suitability: aggressive.

Recent Developments — Evertec, Inc.

Generated 2026-05-20T21:06:21Z.

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)11.7
P/E (Fwd)5.6
Mkt Cap$1.5B
EV/EBITDA9.2
Profit Mgn13.9%
ROE20.2%
Rev Growth8.4%
Beta0.81
Dividend0.82%
Rating analysts12

Quality Signals

Piotroski F8/9MoatNarrow

Options Flow

P/C0.67bullish
IV50%normal

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. Full disclaimer

Rating Breakdown

1 floor-breaker

Price action weak — below key moving averages, no momentum carry. Needs a base before trend-continuation setups apply.static

Macd
0.0
Ma Position
1.0
Rsi
3.0
Volume
3.2
Obv
10.0
Capitulation risk (RSI 25, below 200MA)Volume accumulation (rising OBV)Below 200-MA, MA slope -3.4%/30d — confirmed downtrend
GatesMomentum 3.4<4.5A.R:R 1.0 < 1.5@spotDeath cross (50MA < 200MA)Insider activity: OKNo SEC red flagsEARNINGS PROXIMITY 71d clearSEMI CYCLE PEAK CLEARMATERIALS CYCLE PEAK CLEARFalling KnifeSuitability: Aggressive
RSI
25 · Oversold
20D MA 50D MA 200D MADEATH CROSSSupport $21.77Resistance $30.79

Price Targets

$23
$28
A.Upside+13.9%
A.R:R1.0:1

Position Sizing

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

Risk Alerts

! Momentum score 3.4/10 — below 4.5 minimum
! Reward/Risk 1.0:1 at current price — below 1.5:1 minimum
! Death cross — 50-day MA below 200-day MA

Earnings

B
B
B
M
3/4 beats
Next Earnings2026-07-29 (71d)

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 $24.30, A.R:R 1.0:1 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, below all MAs, RSI 25, MACD bearish. Prior stop was $22.60. Score 6.3/10, moderate confidence.

What is the EVTC stock price target?

Take-profit target: $27.67 (+13.9% upside). Prior stop was $22.60. Stop-loss: $22.60.

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 11.7 (forward 5.6). TrendMatrix value score: 8.4/10. Verdict: Sell.

What do analysts say about EVTC?

12 analysts cover EVTC with a consensus score of 3.9/5. Average price target: $32.

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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