Stock Ratings / Technology / EVTC / financials

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Evertec Inc. (EVTC) Revenue-to-Profit Sankey Flow & SEC XBRL Financials

$31.04 -0.51% NYSE • Live Quote vs Prior Daily Close (Synced Snapshot) EXT / AFTER-HRS: $30.95

Evertec Inc. (EVTC) carries a Roarable Rating of D+ (Sell) with 58/100 RQD Confidence due to weak cash-flow efficiency and sensitivity to current interest rates. Wait for business cash flow and institutional buying to improve before committing fresh capital.

📊 Historical Track Record: Scores of 58/100 (D+) historically posted market-perform odds over rolling 90-day windows (+0.0% avg 90D alpha vs SPY) →

ROARABLE D+ • SELL / AVOID Cap $1.85B

📤 Share Live RQD Speedometer Card: 𝕏 Post Reddit StockTwits ⬇ Live SVG Card

INTERACTIVE SCENARIO DECK:

🛡️ Portfolio Crash X-Ray

EXT / AFTER-HRS: $30.95 (-0.28%)🧬 Cannibal Buyback (-2.64% YoY Shares)⚙️ Cash Engine: 10/20 (D) • 21.9% FCF Margin

Verify 90D Bucket Audit →

📊 Historical Track Record: Scores of 58/100 (D+) historically posted market-perform odds over rolling 90-day windows (+0.0% avg 90D alpha vs SPY • 52.7% hit rate — wait for RQD ≥ 70 breakout).

Audit Bucket Track Record →

RQD QUANT TACHOMETERSELL / AVOID • D+

JEV AI Jury Split (Battleground)

Cash

SEC

Whale

Impersonal quantitative research (0–100 RQD rubric) — not individualized investment advice. Past performance does not guarantee future results. Full Disclaimer

5-PILLAR SNOWFLAKE RADARRw D+ · Rk C-

Each axis scored 0–20

12M PRICE TARGET CONE+0% Base Target

WHALE OPTIONS SNAPSHOT: — (No Active Options Snapshot on file for EVTC)Realized 20D OHLCV Swing Band: ±6.9%

Deterministic 5-Pillar Attribution (58/100 Composite)

🔍 WHY EVTC SCORES 58/100 (D+) — TOP 3 DRIVERS2 Bullish Pillars + #1 Risk Drag

▲ #1 Bullish Driver: Insider Conviction & Share Dilution+17/20 pts (29% of score)

SEC Form 4 / 13F Thermometer: 85% Net Buy • Cannibal Buyback (-2.64% YoY Shares)

▲ #2 Bullish Driver: SEC 10-K Forensic Risk+14/20 pts (24% of score)

Altman Z-Score 2.01 (WATCH ZONE (1.8–3.0)) • Piotroski F-Score 7/9

▼ #1 Drag / Risk Factor: Whale & Options Positioning7/20 pts (-13 pt drag)

Put hedging (50% put share) caps near-term gamma upside (-13 pts vs max)

📈 PAST 4 QUARTERS RQD vs SUBSEQUENT RETURNQ1 → Q2 → Q3 → Current

Q1 (-3Q)

Grade C-$29.64+5.2% Next Q

Q2 (-2Q)

Grade C-$31.19+4% Next Q

Q3 (-1Q)

Grade C$32.43-4.3% Next Q

Current

Grade D+$31.04+0% Hist 90D α

Trajectory: C- (50) → D+ (58)Full Audit →

⚔️ ADVERSARIAL OPPOSING CASE & FORENSIC KILL-SWITCH (WHY THE BULL/BEAR THESIS COULD FAIL)GIDEON ASHMERE // FORENSIC SHORT & KILL-SWITCH DOSSIER

⚔️ Adversarial Opposing Case: Why the EVTC Bull Thesis Could Fail

Gideon Ashmere Forensic Desk →

Even with a 58/100 (D+) score, EVTC faces multiple-compression risk if 12.8x trailing P/E re-rate toward historical sector medians or if hyperscaler/enterprise customer concentration slows in upcoming 10-Q filings.

⚠️ Forensic Kill-Switch #1

Sensitive to high interest rates and tighter Federal Reserve market liquidity.

⚠️ Forensic Kill-Switch #2

Dilution & Margin Drag: Cannibal Buyback (-2.64% YoY Shares) — any gross margin slip below 49.5% triggers an automatic RQD downgrade.

⚠️ Forensic Kill-Switch #3

Technical & Forensic Kill-Switch: A daily close below the 50D SMA ($29.59) or 200D SMA ($28.38) invalidates the momentum regime and cuts Target Base ($31.04) toward Bear Floor ($24.21).

🎲 LIVE PREDICTION MARKET ODDS TIED TO $EVTC• $4.8M Crowd Pool • Kalshi / Polymarket Composite

Contract: “EVTC Beats Next Quarterly Revenue & EPS Consensus + Hyperscaler AI CapEx Holds Record Pace”

YES 58%NO 42%Trade / Inspect Odds →

VISUAL REVENUE-TO-PROFIT SANKEY WATERFALL • FY 2025 (10-K)

How EVTC Turns Every Dollar of Sales Into Real Bottom-Line Profit

Free Cash Flow:$203.7M (21.9% FCF Margin)

Multi-Year SEC EDGAR XBRL Revenue, Net Profit & Free Cash Flow Trajectory

■ Revenue■ Net Profit■ Free Cash Flow

FY23

Rev $694.7M

FY24

Rev $845.5M

FY25

Rev $931.8M

Fiscal Year	Revenue	Gross Margin	Op Margin	Net Profit	Free Cash Flow	ROIC %
FY 2025	$931.8M	52%	20%	$145.0M	$203.7M	10.8%
FY 2024	$845.5M	52%	19.6%	$115.0M	$234.7M	11.6%
FY 2023	$694.7M	52%	19.6%	$80.0M	$211.2M	10.8%

ON-DEMAND RQD QUANT WORKSHOP • SPONSORED / PARTNER SPOTLIGHTHosted by Perry Belcher & Roarable Forensic Quant Desk

Red-Light Warning Desk: Spotting SEC Cash-Flow & Dilution Risks Before Downgrades (Featuring EVTC)

✓Walkthrough of EVTC's RQD Radar, SEC cash-conversion gap & downside invalidation levels
✓3 asymmetric Bear/Hedge frameworks when 10-year Treasury yields stay elevated
✓Includes nightly RQD rating-change & forensic signal email alerts on your tracked stocks

RQD INSIDER CLUB WAITLIST$49/YR PLANNED

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EVTC // CANDLESTICK & AUTO-TRENDLINE WORKSTATION6M: +5.11%📐 HORIZONTAL RANGE

2026-10-30O $31.19H $31.72L $30.43C $31.04VOL 411.1K

RES: $34.17SUP: $25.17SMA50: $29.59SMA200: $28.38

PRIMARY-SOURCE FORENSICS, SECOND-ORDER LINKS & AI ANALYST DESK

EVTC Dilution Monitor, Expectations Hurdle, Butterfly Connections & Policy Exposure

🦋 EVTC Butterfly Map → + Track EVTC →

Share Count & Dilution Monitor (#25)

Multi-year comparable XBRL diluted share count not disclosed (ETF or recent listing).

Reverse-DCF Expectations Hurdle (#30)

3.8%/yr Implied 5Y Growth

vs. +10.2% actual YoY revenue growth (assuming 9.25% cost of equity & 16.5x terminal multiple).

Ellis Vennor Setup Ledger (#33)

No active Ellis Vennor swing setup published on EVTC today. View full Setup Ledger →

🦋 Documented & Second-Order Butterfly Connections Open Graph →

No direct multi-tier Butterfly edges indexed yet for EVTC. Explore sector supply chains on /butterfly.

AI Analyst Theses, Washington Policy & Company Video

🎬 No recent verified company-specific video clip queued for EVTC today (we never pad ticker pages with unrelated generic clips). Browse Macro Video Desk →

DETERMINISTIC MULTI-FACTOR EQUITY AUDIT • SEC EDGAR XBRL × RQD PEER BENCHMARK

📊 Quantitative Sector Peer Comparison, SEC Filing Delta & Investment FAQ (EVTC)

Technology Rank #279 of 714 ⚔️ FORTY vs EVTC Full Matrix →

1. Head-to-Head Technology Peer Comparison (EVTC vs. FORTY, GLOB, STNE, MGRT)

Industry: EDP Services (163 Tracked Issuers)

Across 714 tracked Technology securities in the Roarable RQD universe, Evertec Inc. (EVTC) ranks #279 by composite RQD confidence (58/100, grade D+) and #303 by equity capitalization ($1.85B). Within this direct 5-issuer industry benchmark cohort, EVTC leads on earnings valuation at 12.8x trailing P/E, while EVTC leads on capital efficiency and profitability with 10.8% ROIC and — gross margin. EVTC currently leads its immediate peer cohort in composite quantitative strength at 58/100 (D+).

Ticker / Company	Roarable Grade	RQD Score	Trailing P/E	Gross Margin	ROIC	1D Change	Market Cap	Head-to-Head
EVTC ACTIVE Evertec Inc.	D+	58/100	12.8x	—	10.8%	-0.51%	$1.85B	Benchmark Subject
FORTY Formula Systems (1985) Ltd.	D+	56/100	—	—	—	-4.68%	$1.87B	/forty-vs-evtc →
GLOB Globant S.A.	D+	53/100	—	—	—	+0.92%	$1.89B	/glob-vs-evtc →
STNE StoneCo Ltd. (Class A)	D+	53/100	—	—	—	-1.11%	$1.97B	/stne-vs-evtc →
MGRT Mega Fortune Company Limited	D	48/100	—	50.7%	—	+0.34%	$1.65B	/mgrt-vs-evtc →

2. Multi-Year SEC XBRL Revenue, Cash Flow & Balance-Sheet Trajectory (FY2023–FY2025)

SEC EDGAR 10-K • FILED 2025-12-31 • CIK 0001559865

In its most recent audited fiscal period (FY2025, filed 2025-12-31), Evertec Inc. (EVTC) reported GAAP revenue of $931.8M (+10.2% vs. FY2024 revenue of $845.5M , and +34.1% cumulative change since FY2023) , GAAP net income of $145.0M, operating cash flow of $227.0M, and free cash flow of $203.7M (-13.2% YoY). On the balance sheet, EVTC closed FY2025 with $2.24B in total assets against $1.05B in total debt (Altman Z-Score: 2.01, Piotroski F-Score: 7/9).

Fiscal Period	Filing Date	Revenue	Net Income	Operating Cash Flow	Free Cash Flow	Total Assets	Total Debt
FY2025 (FY)	2025-12-31	$931.8M	$145.0M	$227.0M	$203.7M	$2.24B	$1.05B
FY2024 (FY)	2024-12-31	$845.5M	$115.0M	$260.1M	$234.7M	$1.86B	$925.1M
FY2023 (FY)	2023-12-31	$694.7M	$80.0M	$211.2M	$211.2M	—	—

3. EVTC Data-Verified Investor FAQ (RQD Rating, Sector Peers, SEC Forensics & Technicals)

✓ SCHEMA.ORG FAQPAGE JSON-LD ENABLED

Is EVTC stock a Buy, Hold, or Sell right now according to Roarable's RQD model?

As of 2026-11-01, Evertec Inc. (NYSE: EVTC) is rated D+ (Sell / SELL) by Roarable's 5-pillar RQD engine with a composite confidence score of 58/100 at a spot price of $31.04 (-0.51% 1D, market cap $1.85B). Pillar breakdown: Fundamental Cash Engine 10/20, Institutional 13F & Options Flow 7/20, Executive Insider Alignment 14/20, FRED Macro Regime Fit 10/20, and SEC Balance-Sheet Forensics 17/20. Across 714 tracked Technology issuers, EVTC ranks #279 in composite RQD confidence.

How does EVTC compare to FORTY and GLOB in the Technology sector?

Within the Technology sector (EDP Services), EVTC carries a Roarable D+ (58/100 RQD), trailing P/E of 12.8x, gross margin of —, and ROIC of 10.8%. By comparison, FORTY (Formula Systems (1985) Ltd.) holds a D+ grade (56/100 RQD, P/E N/A, ROIC —, cap $1.87B) and GLOB (Globant S.A.) posts a D+ grade (53/100 RQD, P/E N/A, ROIC —, cap $1.89B). Among the 5-stock peer group, EVTC leads on earnings multiple (12.8x) while EVTC leads on capital efficiency (10.8% ROIC).

What are the biggest fundamental strengths and SEC risk factors for EVTC?

Per EVTC's SEC EDGAR XBRL 10-K filing (FY2025, filed 2025-12-31, CIK 0001559865), Evertec Inc. generated $931.8M in revenue (+10.2% YoY), $145.0M in net income, and $203.7M in free cash flow against $2.24B in total assets and $1.05B in total debt. Key quantitative strengths: Company leadership has skin in the game with net positive insider conviction.. Primary risk factors monitored: Sensitive to high interest rates and tighter Federal Reserve market liquidity.. Institutional options positioning shows a 50% call / 50% put premium split.

Where is EVTC trading relative to its 50-day, 200-day, and 52-week technical levels?

EVTC last traded at $31.04 (-0.51% on volume of 344,624 shares), positioning the stock +4.90% above its 50-day simple moving average ($29.59) and +9.37% above its 200-day simple moving average ($28.38). Across its 52-week range of $21.81 to $34.41, EVTC sits at the 73.3% percentile with a 14-day RSI of 57.6 (BULLISH MOMENTUM) and an implied next-earnings move of ±6.9% ($28.90 to $33.18).

EVTC Investor FAQ & Complete 8-Part Research Index

100% OPEN ACCESS • SEC EDGAR × CBOE × FRED

How profitable is Evertec Inc. (EVTC)?

In FY 2025 (10-K), EVTC converted $931.8M of revenue into a 52% gross margin, 20% operating margin, and $203.7M in free cash flow (21.9% FCF margin).

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