EVERTEC, Inc. (EVTC)
Vertical SaaSSaaS Metrics & Investor Data — Q1 2026
analyticsEditorial Financial Analysis
Financial Performance & Trajectory
EVERTEC demonstrates consistent top-line momentum with trailing revenue reaching $0.93B in Q1 2026, accelerating from $0.90B in Q3 2025. Year-over-year growth improved to 10.6% from 10.2% in Q4 2025 and 6.3% in Q3 2025, signaling a robust recovery in transaction volumes and service demand. Gross margins are exceptionally high, stabilizing near 99.6%-99.7% (adjusted for the anomalous 103.3% in Q3 2025), reflecting a capital-light, high-margin processing model. Free cash flow (FCF) margins, however, show some volatility, declining from a healthy 22.7% in Q3 2025 to 15.2% in Q1 2026, suggesting near-term reinvestment or working capital headwinds. The business is scaling effectively, with annualized revenue approaching the $1B threshold.
Operational & Go-to-Market (GTM) Efficiency
The Rule of 40 score, which combines revenue growth and FCF margin, registered at 25.8 for Q1 2026, down from 32.1 in Q4 2025. While this remains below the 40% benchmark for top-tier SaaS, the improvement from 29.0 in Q3 2025 indicates a positive trajectory. The decline is driven entirely by the compressed FCF margin, as growth is accelerating. Notably, net revenue retention (NRR) and CAC payback data are unavailable, limiting a full assessment of unit economics and customer stickiness. The elevated gross margins imply strong incremental profitability on new revenue, but without retention metrics, it is difficult to confirm that reinvestments in the platform are yielding durable, recurring returns. The current efficiency profile suggests a business prioritizing growth over near-term cash flow optimization.
Market Valuation & Sentiment
EVERTEC trades at a modest EV/Revenue multiple of 2.4x, a discount to the broader SaaS peer median, reflecting its slower growth profile and lower Rule of 40 score. The valuation has compressed from 2.8x in Q3 2025, aligning with the dip in operational efficiency. Insider activity is a clear bearish signal: net insider value stands at -$2,258.1K with zero buys and ten sell filings, indicating a lack of conviction from management at current levels. Wall Street sentiment remains constructive, with a consensus Buy rating (11 Buys, 7 Holds) and an average price target of $29.50, implying approximately 20% upside from the current multiple. This disconnect between insider selling and analyst optimism suggests the market is pricing in execution risk, but sees value in the accelerating growth and high-margin model at a discounted valuation.
Disclaimer: The editorial financial analysis above is generated using data sourced from SEC EDGAR filings and Wall Street consensus ratings. This analysis is provided for informational and educational purposes only and does not constitute financial, investment, or professional advice. Readers should conduct their own research or consult with a registered financial advisor before making any investment decisions.
EVERTEC, Inc. (EVTC) is a Vertical SaaS SaaS company with a market cap of N/A as of Q1 2026. The company trades at N/A EV/Revenue and has delivered +10.6% revenue growth year-over-year. With a gross margin of 100% and FCF margin of 15.2%, EVERTEC, Inc. scores 26 on the Rule of 40 — placing it in the median range of public SaaS companies tracked by SaaSDB.
compare_arrowsSector Benchmarking
Latest company metrics compared to the Vertical SaaS sector medians
Rule of 40 is 25.8% (sector median: 30.2%) — underperforming peers by 4.5%.
Revenue Growth is 10.6% (sector median: 15.5%) — underperforming peers by 4.9%.
Gross Margin is 99.6% (sector median: 74.1%) — outperforming peers by 25.5%.
FCF Margin is 15.2% (sector median: 11.9%) — outperforming peers by 3.3%.
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rocket_launchFounder & Operator Metrics
Not publicly disclosed by this company: Net Revenue Retention·Gross Retention·ARR·ARR Growth·CAC Payback
trending_upEfficiency & Investment Trends
Insider Trading Activity
90-Day Insider Sentiment: Bullish / Net Buying. Insiders executed 5 buy transactions (totaling $2.1M) with zero sells. Last activity on Jun 12, 2026.
Analyst Ratings
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