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Intrinsic value of Evertec, Inc. (EVTC)

Previous Close$36.87
Intrinsic Value
Upside potential
Previous Close
$36.87
Use floor (the cash flow based valuation has rendered a result, which is lower than an estimated minimum value derived from the company’s balance sheet analysis)

VALUATION INPUT DATA (original, your and others' valuations)

ParameterOrig.Your
Date of valuation (DoV)  
Intrinsic value (IV) at DoV, $/sh  
IV at current val. algorithm, $/sh17.83 

The original valuation is based on fiscal year data as of 2021-12-31 and quarterly data as of 2022-03-31.

Registered users can save their valuation input data

  1. Annual
  2. Quarterly YoY
  3. Quarterly QoQ

Annual revenue growth rates, % (past and forecasted)

NOTE: The bar chart shows historic and forecasted yearly revenue growth rates. Its purpose is to help you in determining what initial revenue rate you want to base your stock valuation on. Please make sure that you are confident in the value you select - for most stocks it is by far the most important parameter in valuation.

Company description

EVERTEC, Inc. engages in transaction processing business in Latin America and the Caribbean. The company operates through four segments: Payment Services - Puerto Rico & Caribbean; Payment Services - Latin America; Merchant Acquiring; and Business Solutions. It provides merchant acquiring services, which enable point of sales and e-commerce merchants to accept and process electronic methods of payment, such as debit, credit, prepaid, and electronic benefit transfer (EBT) cards. The company also offers payment processing services that enable financial institutions and other issuers to manage, support, and facilitate the processing for credit, debit, prepaid, automated teller machines and EBT card programs; credit and debit card processing, authorization and settlement, and fraud monitoring and control services to debit or credit issuers; and EBT services. In addition, it provides business process management solutions comprising core bank processing, network hosting and management, IT consulting services, business process outsourcing, item and cash processing, and fulfillment solutions to financial institutions, and corporate and government customers. Further, the company owns and operates the ATH network, a personal identification number debit networks in Latin America. It manages a system of electronic payment networks that process approximately two billion transactions. The company sells and distributes its services primarily through a proprietary direct sales force. It serves financial institutions, merchants, corporations, and government agencies. The company was formerly known as Carib Latam Holdings, Inc. EVERTEC, Inc. was founded in 1988 and is headquartered in San Juan, Puerto Rico.

show cash flow forecast

FINANCIAL STATEMENTS FORECAST and PRESENT VALUE CALCULATION

Fiscal year2021(a)2022202320242025202620272028202920302031203220332034203520362037203820392040204120422043204420452046

INCOME STATEMENT

Revenue growth rate, %15.5NaN
Revenue, $590NaN
Variable operating expenses, $mNaN
Fixed operating expenses, $mNaN
Total operating expenses, $m393NaN
Operating income, $m197NaN
EBITDA, $m277NaN
Interest expense (income), $mNaN
Earnings before tax, $m182NaN
Tax expense, $m21NaN
Net income, $m161NaN

BALANCE SHEET

Cash and short-term investments, $m286NaN
Total assets, $m1145NaN
Adjusted assets (=assets-cash), $m859NaN
Average production assets, $m683NaN
Working capital, $m278NaN
Total debt, $m486NaN
Total liabilities, $m679NaN
Total equity, $m466NaN
Debt-to-equity ratio1.043NaN
Adjusted equity ratio0.239NaN

CASH FLOW

Net income, $m161NaN
Depreciation, amort., depletion, $m81NaN
Funds from operations, $mNaN
Change in working capital, $mNaN
Cash from operations, $m233NaN
Maintenance CAPEX, $mNaN
New CAPEX, $mNaN
Total CAPEX, $m-66NaN
Free cash flow, $m299NaN
Issuance/(repurchase) of shares, $mNaN
Retained Cash Flow, $mNaN
Pot'l extraordinary dividend, $m278
Cash available for distribution, $mNaN
Discount rate, %NaN
PV of cash for distribution, $mNaN
Current shareholders' claim on cash, %NaN
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