Is it safe?
Can EVTC take a bad year?
EVERTEC, Inc. carries $806M of net debt at 3.95× EBITDA: a load its earnings can carry.
$806M
Net debt · as at Q1 2026 · between two and four years of EBITDA, normal for a stable business
- Net debt / EBITDA
- 3.95×
Net debt / EBITDA · 3.32× a year ago · the load is going up
- Altman Z-score
- 1.88
Altman Z-score · grey zone, between 1.8 and 3
- Interest cover
- 2.64×
Interest cover · operating profit covers the interest bill, with room to spare
Details›
- Total debtQ1 2026
- $1.10B
- Cash and short-term investments
- $291M
- Net debt
- $806M
- EBITDA, trailing twelve months
- $204M
- Operating profit, trailing twelve months
- $182M
- Debt / equity
- 1.64×
- Total debt / EBITDA
- 5.37×
- Annualised volatilitytwo years of daily moves
- 36%
- Worst drawdown on file
- −55%
- Below its 52-week high
- −21%
Balance sheet from SEC filings; drawdown and volatility from end-of-day closes; Altman Z from the filed statements.
Software - Infrastructure
Ranks #28 of 78 by Smart Score