EVERTEC, Inc. (EVTC) Fair Value 2026

EVTC · Software - Infrastructure ·

By CirclFi Research Team · Data from SEC EDGAR, FRED & GDELT

Quality Score

7.7 /10

32 fundamental signals · 12 models active

Value Trap Risk

SAFE (12/100)

Quick Summary — As of 2026-08-27, EVERTEC, Inc. (EVTC) trades at $29.47, versus a $33.95 median fair value across its 12 active models — 15.2% above the current price. QOC: 7.7/10. Value Trap Risk: 12/100 (SAFE). 12/13 models active. Within that set, the Bayesian DCF component alone returns $55.09.

Key Facts

Ticker
EVTC
Price
$29.47
Quality Score
7.7/10
Value Trap Risk
12/100
Models Active
12/13
Last Updated
Strength: Bayesian DCF suggests +86.9% upside with 70% confidence
Risk: Limited model coverage (12/13) may reduce confidence

Is EVERTEC, Inc. (EVTC) Undervalued or Overvalued in 2026?

According to CirclFi’s 12-model valuation engine, EVERTEC, Inc. (EVTC) appears undervalued as of : the median of 12 independent fair value estimates is $33.95, 15.2% above the current price of $29.47. Estimates range from $12.45 to $107.54. EVTC scores 7.7/10 on fundamental quality and 12/100 on value-trap risk.

For context, the median US equity CirclFi rates trades at an implied -23.7% versus its own 13-model consensus, across 3,801 rated companies as of 2026-08-27. EVTC’s +15.2% gap is narrower than that market norm, and the Software - Infrastructure sector median is -22.1%. Full market index →

This verdict compares price to intrinsic value only — it is not a buy or sell rating. For the decision case (bull vs bear arguments, risk factors, peers), read Should You Buy EVERTEC, Inc. Stock in 2026? →

What Fair Value Does Each Model Give EVTC?

12 Intrinsic Value Models vs. Current Price ($29.47)

Core Models (Unlocked)
Model Fair Value Upside
Intrinsic · High Conviction
 $55.09 +86.9%
Intrinsic · High Conviction
 $26.66 -9.5%
Ensemble · Low Conviction
 $34.91 +18.4%
Scenario · High Conviction
 $47.16 +60.0%
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What Is EVTC's Fair Value Range?

Spread across 12 independent models · $12.45 to $107.54

CirclFi's 12 active models place EVERTEC, Inc. (EVTC) between $12.45 and $107.54 per share, a spread of 280% of the median. The median of that range — $33.95 — is the fair value CirclFi publishes for EVTC, against a current price of $29.47.

Low · EROICHigh · Regime Cross
$12.45median $33.95$107.54
Where the range comes from
Most bearish modelEROIC Spread$12.45
Most bullish modelRegime Cross-Sectional$107.54
Model agreement7 bullish · 5 bearishwide

A band this wide is itself the finding. When independent methods land far apart, they are reading a business whose value depends heavily on which lens you apply — volatile earnings, heavy reinvestment, or an asset base that cash-flow and asset-based methods score differently. That disagreement is information: it says the choice of method matters more than usual for EVTC. Treat the median as one reading among several and compare the individual models below before acting.

Every figure above is one model's standalone output on EVTC, not a CirclFi price target. How each model works →

What Is EVERTEC, Inc. (EVTC) Worth in 2026?

According to the CirclFi Deep Alpha Valuation Engine, our multi-model framework produces a cautiously optimistic read on EVERTEC, Inc. at $29.47. With an estimated intrinsic value of $33.95 and 7 of 12 models pointing higher, the median implied return is +15.2%. The most optimistic model, Regime Cross, places fair value at $107.54 (+264.9%), while EROIC — the most conservative — estimates $12.45 (-57.8%). This +322.7% gap reflects genuine analytical uncertainty about EVERTEC, Inc.'s intrinsic worth. Among models with highest confidence, Bayesian DCF, EPV lean bearish — adding weight to the bearish side of the thesis.

What Do the Models Say About EVTC?

12 of 13 models are currently active for EVTC. Of these, 7 models suggest upside while 5 models suggest overvaluation. Taken together, their median fair value for EVTC is $33.95 — the figure CirclFi publishes as this stock's fair value. One component of that median, the Bayesian DCF, returns $55.09 on its own, implying +86.9% upside from the current price. See which stocks rank higher →

How Does EVTC Rank in Software - Infrastructure?

Among 186 Software - Infrastructure stocks, EVTC ranks #56 by Quality of Company score. CirclFi's QOC score of 7.7/10 evaluates 32 fundamental signals. A score of 7.7 indicates above-average quality.

See all Most Undervalued Software - Infrastructure Stocks →

EVERTEC, Inc.'s positioning within the Software - Infrastructure segment means that annual recurring revenue (ARR) plays an outsized role in fundamental analysis. The sector's unique characteristics — including platform stickiness — shape both the opportunity set and risk profile.

Is EVTC a Value Trap?

CirclFi's Value Trap algorithm assigns EVTC a score of 12/100 (SAFE). This indicates minimal risk. Fundamentals are healthy. The score cross-references apparent undervaluation against fundamental deterioration signals. Browse lowest value-trap stocks →

Multi-Model Methodology

12 of 13 models are active for EVERTEC, Inc.. Broad coverage provides high confidence. Each model applies a fundamentally different valuation philosophy. See the complete methodology →

According to the CirclFi Quality of Company (QOC) framework, EVERTEC, Inc. earns a quality score of 7.7/10. This robust rating reflects the company's standing across 32 fundamental signals spanning profitability, growth consistency, balance sheet strength, and capital allocation efficiency.

The gap between the most bullish and bearish model spans +322.7% — demonstrating why single-model analysis is dangerous. Browse all stocks with 13-model coverage →

Data Sources & Confidence

Every EVTC valuation is built from SEC EDGAR XBRL filings — 700+ standardized financial tags. Macroeconomic context from FRED calibrates discount rates, while GDELT news sentiment feeds into our Sentiment SOTP model. All pipelines run daily. Read the complete data methodology →

Across EVTC's 12 active models, average confidence is 52%. Moderate confidence indicates reasonable fit.

CirclFi's output is a research starting point, not a buy/sell signal. All data updates daily. Read the full methodology →

This analysis is produced by the CirclFi Valuation Engine using quantitative models applied to SEC EDGAR filings, public market feeds, and FRED macroeconomic indicators. It is not financial advice.

Read the full investment analysis: Should You Buy EVERTEC, Inc. Stock in 2026? →

Bull case, bear case, risk factors & peer comparison — updated daily

Which Similar Software - Infrastructure Stocks Should You Also Analyze?

11 related Software - Infrastructure stocks with 13-model coverage

PRTHPriority Technology Holdings, Inc.QOC 7.9APPNAppian CorporationQOC 7.7MDBMongoDB, Inc.QOC 7.9VRNSVaronis Systems, Inc.QOC 7.6NETCloudflare, Inc.QOC 7.9CINTCI&T Inc.QOC 7.6PDYNPalladyne AI Corp.QOC 5.8PICSPicS N.V.QOC 4.7ACIWACI Worldwide, Inc.QOC 9.1FTNTFortinet, Inc.QOC 9.7QLYSQualys, Inc.QOC 9.7

Read investment analysis: PRTH · APPN · MDB · VRNS · NET · CINT · PDYN · PICS · ACIW · FTNT · QLYS

Which Other Stocks Have a Similar Quality Score to EVTC?

7 companies across all industries closest to EVTC’s Quality of Company score of 7.7/10.

MTWThe Manitowoc Company, Inc.QOC 7.7FMNBFarmers National Banc Corp.QOC 7.7AIGAmerican International Group, Inc.QOC 7.7BLLNBillionToOne, Inc.QOC 7.7SSLSasol LimitedQOC 7.7BFSSaul Centers, Inc.QOC 7.7NVDANVIDIA CorporationQOC 10.0

Read investment analysis: MTW · FMNB · AIG · BLLN · SSL · BFS · NVDA

Where Does EVTC Sit in CirclFi's Software - Infrastructure Rankings?

EVTC is ranked against every other Software - Infrastructure stock CirclFi covers in each of these screens.

See all Software - Infrastructure stocks ranked →

What Else Do Investors Ask About EVERTEC, Inc.’s Valuation?

What is EVERTEC, Inc.'s intrinsic value in 2026?

CirclFi puts EVERTEC, Inc. (EVTC)'s intrinsic value at $33.95 — the median of 12 independent model estimates as of 2026-08-27, ranging from $12.45 to $107.54. One component of that median, the Bayesian DCF, runs 10,000 Monte Carlo simulations with jump-diffusion and returns $55.09 on its own. The Quality of Company score is 7.7/10 across 32 fundamental signals. All models use SEC EDGAR filings updated daily. See our methodology page for how each model works.

Is EVTC overvalued or undervalued right now?

At $29.47, 7 of 12 active models suggest EVTC may be undervalued, while 5 indicate potential overvaluation. The median of all 12 fair value estimates is $33.95, 15.2% above the current price of $29.47 — a consensus view that EVTC is undervalued. The assessment depends on which methodology best fits EVERTEC, Inc.'s business model in Software - Infrastructure.

What does a Quality of Company score of 7.7 mean for EVTC?

EVERTEC, Inc.'s QOC of 7.7/10 reflects 32 fundamental signals: profitability margins, revenue growth consistency, balance sheet leverage, free cash flow generation, and capital allocation efficiency. Scores above 7 indicate strong fundamentals and disciplined management.

How many valuation models does CirclFi run on EVTC?

CirclFi analyzes EVTC with 13 institutional-grade models daily: Bayesian DCF (Monte Carlo + jump-diffusion), EPV (Greenwald zero-growth), EROIC Spread (McKinsey reinvestment), First Chicago (3-scenario), Markov DDM (regime-switching), ML-RIV (machine learning residual income), Dynamic NAV (asset-based), PWERM (option-theoretic), Regime Cross-Sectional (relative), Sentiment SOTP (hybrid), CUCE Ensemble (meta-model), FTNN Topology (neural network), and RCMH-DCF (conditional regime). Currently 12 of 13 are active for this stock. Read the full methodology →

Which valuation models are most bullish and most bearish on EVTC?

Of the 12 models currently active on EVTC, Regime Cross-Sectional is the most bullish at $107.54 per share, and EROIC Spread is the most bearish at $12.45. CirclFi's published fair value for EVTC is the median of that range, $33.95, not either extreme. The gap between the two ends equals 280% of the median — a wide spread, meaning the methods genuinely disagree and the median should carry less weight. Browse stocks by value-trap risk →

Is EVTC a value trap in 2026?

EVERTEC, Inc.'s Value Trap score is 12/100 (SAFE). This low score indicates the current valuation is not artificially depressed by fundamental deterioration, suggesting genuine opportunity rather than a trap.

Cite this analysis — “According to CirclFi’s 12-model valuation engine, EVERTEC, Inc. (EVTC) has a median fair value of $33.95 — 15.2% above the current price of $29.47 — as of 2026-08-27.” Source: circlfi.com/stock/EVTC/ · Methodology
Primary sources for this EVTC valuation
  • Financial statements: EVERTEC, Inc. 10-K and 10-Q filings on SEC EDGAR (CIK 0001559865) — 700+ standardized XBRL tags, published by the U.S. Securities and Exchange Commission.
  • Discount-rate inputs: FRED, Federal Reserve Bank of St. Louis — risk-free rates, VIX, yield curve, inflation.
  • News sentiment: The GDELT Project — global media tone, input to the Sentiment SOTP model.
  • Model definitions: CirclFi methodology — the published specification for all 13 models, including the academic sources each one implements.

Market data for EVTC as of ; valuations recomputed .

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