EVERTEC, Inc.

EVTC · Technology · $1.9B mkt cap · FY2025 filings · Narrow moat

On the watchlist

Narrow moat

The four filters

Pricing power100

Median gross margin 99.4% over 2y, very stable.

Returns on capital100

Median ROIC 79.7%, above the 9% hurdle in 100% of years.

Balance-sheet safety5

Net debt/EBITDA 3.8x, interest coverage 3x.

Capital discipline83

Owner earnings +7.3%/yr, share count shrinking (buybacks).

Margin of safety

Above valueOn sale

18% above value

Owner earnings (normalized): $141.6M
Est. intrinsic value / share: $25.47
Recent price: $30.14
Discount to value: 18% above value

Conservative model: 9% discount rate, 0% assumed growth (capped at 4%), maintenance capex ≈ min(capex, D&A).

Moat Score history

Score history begins 2026-07-17. Check back as the record builds.

Scores are logged append-only and never overwritten — this record can't be backfilled, which is exactly why it's worth keeping.

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Scored from primary SEC filings via the public methodology. Educational only — not a recommendation to buy or sell EVTC. See the disclaimer.