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Evertec, Inc. (EVTC) Stock Analysis

SellVALUE-TRAP 1/5Moderate Confidence

Technology · Software - Infrastructure

Earnings in 6 days (2026-05-06). Expect elevated volatility around the report — consider waiting for post-earnings price action before new entries.

Sell if holding. Analyst target reached at $29.40 — A.R:R is negative (-0.5) — price has exceeded the analyst target. Reward from here is too thin for a buy — the engine flags exit. Additional concerns: Concentration risk — Customer: Banco Popular (29.0%).

EVERTEC is a full-service transaction processor and fintech serving Latin America, Puerto Rico, and the Caribbean across 26 countries. It processes 10+ billion transactions annually via merchant acquiring, payment processing, and business solutions for financial institutions,... Read more

$29.40+5.6% A.UpsideScore 6.2/10#13 of 80 Software - Infrastructure
Stop $27.72Target $30.93(resistance)A.R:R -0.5:1
Analyst target$32.60+10.9%5 analysts
$30.93our TP
$29.40price
$32.60mean
$40

Sell if holding. Analyst target reached at $29.40 — A.R:R is negative (-0.5) — price has exceeded the analyst target. Reward from here is too thin for a buy — the engine flags exit. Additional concerns: Concentration risk — Customer: Banco Popular (29.0%). Chart setup: No recognized chart pattern (not a breakout, bounce, continuation, recovery, falling knife, or range) — technicals mixed. Score 6.2/10, moderate confidence.

Passes 4/8 gates (clean insider activity, no SEC red flags, news events none recent, semi cycle peak clear). Fails on weak momentum and favorable risk/reward ratio and death cross (50MA < 200MA) and earnings proximity 6d<=7d. Suitability: aggressive.

Thesis

Rewards
Strong earnings beat streak (4/4)
Attractive valuation
Strong growth profile
Risks
Concentration risk — Customer: Banco Popular (29.0%)
Analyst target reached - limited upside remaining
Leverage penalty (D/E 1.6): -1.0

Key Metrics

P/E (TTM)13.5
P/E (Fwd)7.0
Mkt Cap$1.8B
EV/EBITDA10.5
Profit Mgn15.2%
ROE23.4%
Rev Growth13.1%
Beta0.84
Dividend0.67%
Rating analysts12

Quality Signals

Piotroski F8/9

Options Flow

P/C0.03bullish
IV64%elevated
Max Pain$20-32.0% vs spot

Concentration Risks(10-K Item 1A)

  • HIGHCustomerBanco Popular29%
    10-K Item 1A: '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

Volume
0.0
Macd
2.5
Ma Position
3.0
Rsi
3.8
Obv
10.0
Volume accumulation (rising OBV)Below 200-MA, MA slope -3.3%/30d — confirmed downtrend
GatesMomentum 3.9<4.5A.R:R -0.5=NEGATIVEDeath cross (50MA < 200MA)EARNINGS PROXIMITY 6d<=7dInsider activity: OKNo SEC red flagsNEWS EVENTS NONE RECENTSEMI CYCLE PEAK CLEARSuitability: Aggressive
RSI
62 · Neutral
20D MA 50D MA 200D MADEATH CROSSSupport $27.40Resistance $31.56

Price Targets

$28
$31
A.Upside+5.2%
A.R:R-0.5:1

Position Sizing

ConvictionNone
Suggested %0.5%
Max %1%
RegimeSteady

Risk Alerts

! Target reached (-3.1% upside)
! Momentum score 3.9/10 — below 4.5 minimum
! Negative risk/reward — downside exceeds upside

Earnings

B
B
B
B
4/4 beats
Next Earnings2026-05-06 (6d)

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. Analyst target reached at $29.40 — A.R:R is negative (-0.5) — price has exceeded the analyst target. Reward from here is too thin for a buy — the engine flags exit. Additional concerns: Concentration risk — Customer: Banco Popular (29.0%). Chart setup: No recognized chart pattern (not a breakout, bounce, continuation, recovery, falling knife, or range) — technicals mixed. Prior stop was $27.72. Score 6.2/10, moderate confidence.

What is the EVTC stock price target?

Take-profit target: $30.93 (+5.6% upside). Prior stop was $27.72. Stop-loss: $27.72.

What are the risks of investing in EVTC?

Concentration risk — Customer: Banco Popular (29.0%); Analyst target reached - limited upside remaining; Leverage penalty (D/E 1.6): -1.0.

Is EVTC overvalued or undervalued?

Evertec, Inc. trades at a P/E of 13.5 (forward 7.0). TrendMatrix value score: 7.8/10. Verdict: Sell.

What do analysts say about EVTC?

12 analysts cover EVTC with a consensus score of 3.9/5. Average price target: $33.

What does Evertec, Inc. do?EVERTEC is a full-service transaction processor and fintech serving Latin America, Puerto Rico, and the Caribbean...

EVERTEC is a full-service transaction processor and fintech serving Latin America, Puerto Rico, and the Caribbean across 26 countries. It processes 10+ billion transactions annually via merchant acquiring, payment processing, and business solutions for financial institutions, merchants, and governments.

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