Stock fact sheet · data as of
EVERTEC, Inc. (EVTC): fair value, margin of safety and Wheel Score
Industrials · Specialty Business Services · United States · Blend
Is EVTC undervalued?
EVERTEC, Inc. (EVTC) closed at 31.40 on 16 Oct 2026. The GLS average fair value - the simple average of the 9 valuation models that produced a positive number - is 39.37, so the price sits 20% below it. 4 of the 9 models value the shares above the current price. A margin of safety between 10% and 30% is where most of the Sunday Scan candidates come from.
The 9 models disagree widely: DDM gives 2.94 while DCF gives 101.83. A spread that wide means the average is sensitive to which methods you trust; the model table below shows where each one lands, and the Quote page lets you switch any of them off.
The nightly engine files EVTC under Blend.
Nine valuation models for EVTC
Each model turns the latest filed numbers into a value per share; the GLS fair value is the simple average of the ones that produce a positive number. The last two rows are shown for reference and never enter the average. The Quote page lets you switch any model off and add your own margin of safety.
| Model | Value | vs price | What it measures |
|---|---|---|---|
| DCF | 101.83 | +224% | Present value of the projected free cash flows, discounted at the cost of capital |
| Graham Number | 19.48 | -38% | The most a defensive investor pays for the earnings and book value per share |
| Graham Growth | 45.66 | +45% | Graham's growth formula: EPS × (8.5 + 2 × growth), adjusted for bond yields |
| Lynch | 16.54 | -47% | EPS × the earnings growth rate (PEG of 1), growth capped at 25% |
| GLS Growth | 8.84 | -72% | EPS compounded ten years at the blended growth rate, discounted back at 15% a year |
| 10 Cap | 74.93 | +139% | Owner's earnings (operating cash flow less maintenance capex) capitalised at 10% |
| Payback Time | 66.28 | +111% | Eight years of compounded free cash flow: the price at which the business pays for itself |
| DDM | 2.94 | -91% | Dividend discount model: next year's dividend ÷ (10% − 3% growth); needs a dividend |
| EPV | 17.80 | -43% | Earnings power value: current EPS capitalised at 9% with no growth |
| Zombie (liquidation) | -15.23 | -149% | Current assets less all liabilities, per share: the balance-sheet floor. Not in the average |
| Wall St target | 34.00 | +8% | Analysts' average 12-month price target. Not in the average |
Quality and financial health
Financial health is average - EVTC passes 5 of the nine Piotroski tests, which falls one point short of the Sunday Scan's "6 or more" rule. The Financials tab on the Quote page shows which tests fail. The GLS Moat score is 5.2 out of 10: a ten-year record that is consistent in some of the metrics the score tracks (revenue, earnings, margins, cash flow, returns on capital) and patchy in others.
Returns on capital are moderate - ROIC 8.1%, ROE 22.8%, ROA 6.3% - with debt at 1.82 times equity and a free-cash-flow yield of 9.9%.
The dividend yield is 0.64% with a payout ratio of 13% - a small yield that leaves most of the earnings in the business. Revenue comes mainly from Payment Processing 61%, Software Sale And Developments 23%, Transaction Processing and Monitoring F… 16% (quarter Q3 FY2024).
Institutional ownership scores 10/10, insider activity 5/10 and Congressional trading 5/10 on the GLS smart-money scales.
| Piotroski F-score | 5 / 9 | ROIC | 8.1% |
|---|---|---|---|
| GLS Moat | 5.2 / 10 | ROE | 22.8% |
| Debt / equity | 1.82 | ROA | 6.3% |
| Free-cash-flow yield | 9.9% | Payout ratio | 13% |
| Institutions | 10 / 10 | Insiders · Congress | 5 · 5 / 10 |
Wheel Score 73: Good
EVTC scores 73 out of 100 on the Wheel Score (Good band, 65-79). The score blends the margin of safety (Value, 21/25), Piotroski health (11/20), the GLS moat (8/15), the option premium on offer (20/20) and how easily the stock trades (13/20). Moat (8/15) is the part holding the score back.
Implied volatility is 43% on the near-the-money contracts 20-60 days out - inside the 35-60% range the Wheel Score pays full marks for: enough premium to be worth selling, not so much that the risk is unpaid. Chain open interest is thin - 774 contracts across every expiry - so fills at a fair price are not guaranteed; a 30-45-day put may not exist at a usable strike.
Volume runs at 479k shares a day on a market cap of $1.9B, with a beta of 0.72 - a low beta, so day-to-day moves are smaller than the market's; the Stability part of the Wheel Score gives that 13 of 20.
| Part | Points | From | |
|---|---|---|---|
| Value | 21 / 25 | 20% margin of safety | |
| Health | 11 / 20 | Piotroski 5/9 | |
| Moat | 8 / 15 | moat 5.2/10 | |
| Premium | 20 / 20 | implied volatility 43% | |
| Stability | 13 / 20 | 479k shares/day, $1.9B cap, beta 0.72 |
The Wheel Score ranks ~7,400 US stocks for selling cash-secured puts and covered calls; it is updated nightly and is not a recommendation. The walkthrough lesson shows how the score fits into a trade, start to finish.
Upcoming events
The next earnings report is due on 5 Nov 2026 (after the close), 20 days away; a 30-45-day put sold today would expire after it, which is worth weighing against the premium.
Earnings, dividend, IPO, split and economic calendars for the whole market, filterable to your watchlists.
Similar stocks in Specialty Business Services
The 12 companies below are the closest to EVERTEC, Inc. by market cap within the Specialty Business Services industry, each with its own fact sheet; the Compare page puts up to eight of them side by side.
| Stock | Close | Fair value | MoS | Wheel | Mkt cap |
|---|---|---|---|---|---|
| TIC TIC Solutions, Inc. | 8.68 | 12.57 | +31% | 45Weak | $1.9B |
| CMPR Cimpress plc | 76.72 | 166.98 | +54% | 75Good | $1.9B |
| TH Target Hospitality Corp. | 17.26 | 14.81 | -17% | 45Weak | $1.7B |
| FLYW Flywire Corp | 19.35 | 15.27 | -27% | 60Fair | $2.4B |
| ABM ABM Industries Inc. | 50.76 | 82.96 | +39% | 77Good | $3.0B |
| PAGS PagSeguro Digital Ltd. | 10.83 | 46.36 | +77% | 84Prime | $3.0B |
| CBZ CBIZ, Inc. | 54.73 | 66.87 | +18% | 78Good | $3.0B |
| MMS Maximus, Inc. | 60.24 | 137.06 | +56% | 86Prime | $3.2B |
| BFAM Bright Horizons Family Solutions Inc. | 70.42 | 107.32 | +34% | 85Prime | $3.4B |
| FA First Advantage Corporation | 20.08 | 17.04 | -18% | 60Fair | $3.4B |
| DLX Deluxe Corporation | 22.89 | 49.45 | +54% | 77Good | $1.0B |
| BV BrightView Holdings, Inc. | 10.53 | 9.13 | -15% | 56Fair | $975M |
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A free GLS Equity account gets you nightly fair value and the Wheel Score on ~7,400 US stocks, a watchlist, the scanner preview and the Sunday Scan - the same eight-rule screen, emailed every week. Pro adds the full put and call scanners, unlimited watchlists with alerts and the trade journal.
Start free See the Sunday ScanQuestions about EVTC
Is EVTC undervalued right now?
By the GLS models, moderately: at 31.40 the stock trades 20% below the average fair value of 39.37 (data as of 16 Oct 2026).
What is the Wheel Score of EVTC and what does it mean?
EVTC scores 73 out of 100 (Good). The Wheel Score blends the margin of safety (25 points), Piotroski health (20), the GLS moat (15), the option premium on offer (20) and trading stability (20) into one number that ranks stocks for the wheel strategy - selling cash-secured puts, then covered calls if assigned. 80 and above is Prime, 65-79 Good, 50-64 Fair, under 50 Weak.
What is the GLS fair value for EVTC?
39.37 per share as of 16 Oct 2026 - the simple average of the 9 valuation models (out of nine: DCF, Graham Number, Graham Growth, Lynch, GLS Growth, 10 Cap, Payback Time, DDM and EPV) that produced a positive value. The models run every night on the latest filings; the Quote page lets you switch any of them off and add a margin of safety of your own.
When does EVERTEC, Inc. report earnings next?
The next earnings report is due on 5 Nov 2026 (after the close), 20 days from the data date of 16 Oct 2026. The Calendars page lists every upcoming report with its time of day.
Does EVTC have listed options, and how liquid are they?
Yes. The nightly snapshot found 88 listed contracts with 774 open interest across all expiries and implied volatility of 43% on the near-the-money contracts. The Options scanner lists the cash-secured put and covered call set-ups with premium and annualised yield worked out.