Forensic Analysis · Technology / Software · as of Aug 11, 2026

Evertec, Inc. (EVTC)

A forensic read on Evertec, Inc. built from its complete SEC filings — financial-health screens, earnings quality, red flags and a price-aware rating. Reproducible math, not opinion.

C · Mixed — selective

Forensic grade

Safe

Financial health

3.7

Distress distance

Clean

Earnings quality

Forensic signals

13.9

P / E (ttm)

22.8%

ROE

$1.8B

Market cap

0.65%

Dividend yield

10.2%

Revenue growth

This free snapshot doesn't read filing or proxy text, so the auditor-quality and governance checks that can lower a grade were not evaluated (red flags, auditor quality, say on pay, board independence). Those checks only ever lower a grade, so the full analysis can land below the grade above but never above it — treat it as the most favourable reading, not the settled one.

Evertec, Inc. earns a C (Mixed — selective) forensic quality grade, and its balance-sheet distress test reads 3.7, placing it in the Safe zone. 3 forensic signals were flagged in its latest SEC filings, led by accruals ratio (% of noa).

What the filings flag

+21.7%

FY2024→FY2025

Accruals ratio (% of NOA). Net operating assets grew +21.7% relative to their own average in FY2025 — scaled by NOA itself, not total assets (see the Forensic Screens card's differently-scaled Sloan Accrual Ratio for that read). Accruals are building sharply — a large slice of profit sits in operating assets, not cash; Richardson/Sloan link high accruals to weaker future returns as they reverse. The build is led by receivables up +20% against revenue +10%. The cash-flow cross-check is more mixed: reported earnings ran behind operating cash by 6% of net operating assets, diverging from the balance-sheet accrual read.

10.0%

FY2025

Return on invested capital. Return on invested capital is 10.0% in the latest fiscal year and slipping from 18% — around its ~10% cost of capital, so growth is roughly value-neutral.

-67%

FY2017→FY2018

Dividend — cut. The payout was CUT ~67% in FY2018 (from FY2017) and hasn't been restored since. It still returns some cash, but it is NOT the dependable, rising dividend an unbroken streak implies.

Key fundamentals

Latest Revenue$931.8M

Revenue Growth YoY+10.2%

Revenue CAGR (3yr)+14.6%

Net Margin15.2%

Free Cash Flow$203.7M

Return on Equity22.8%

Debt / Equity1.77x

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Data from SEC EDGAR public filings · metrics as of Aug 11, 2026. Forensic signals flag probability, not certainty.