Focused on building reliable datasets, financial models, and research tools for value-minded investors. Committed to turning complex data into practical guidance for value-investing and long-term wealth.
Dr. Charlie Tian is the founder and CEO of GuruFocus.com, a leading global investment research platform established in 2004. With a Ph.D. in physics, Dr. Tian transitioned from science to finance, applying a data-driven, disciplined approach to value investing.
EvertecBSP:EVTC31 -1.83%71 Debt-to-Equity is 2.07 as of Jun. 2026, which is 6% above its 10-year median of 1.95. GuruFocus rates BSP:EVTC31 with a GF Score™ of 71/100 and a GF Value™ of R$234.50 (Possible Value Trap). The stock has 6 warning signs investors should review. Among 2,246 Software companies, Evertec ranks worse than 93.94% on this metric.
A high debt to equity ratio generally means that a company has been aggressive in financing its growth with debt. This can result in volatile earnings as a result of the additional interest expense.
The historical rank and industry rank for Evertec's Debt-to-Equity or its related term are showing as below:
BSP:EVTC31'
s Debt-to-Equity Range Over the Past 10 Years
Min: 0.78 Med: 1.95 Max: 6.28
Current: 2.07
During the past 13 years, the highest Debt-to-Equity Ratio of Evertec was 6.28. The lowest was 0.78. And the median was 1.95.
BSP:EVTC31's Debt-to-Equity is ranked worse than 93.94% of 2246
companies
in the Software industry
Industry Median: 0.19
vs BSP:EVTC31: 2.07
Because a company can increase its ROE % by having more financial leverage, it is important to watch the leverage ratio when investing in high ROE % companies.
Evertec Debt-to-Equity Related Terms
Evertec Debt-to-Equity Historical Data
* Premium members only.
The historical data trend for Evertec's Debt-to-Equity can be seen below:
* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD. * For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.
BSP:EVTC31 vs MQ, FIVN, BAND: Debt-to-Equity Comparison
For the Software - Infrastructure subindustry, Evertec's Debt-to-Equity, along with its competitors' market caps and Debt-to-Equity data, can be viewed below:
* Competitive companies are chosen from companies within the same industry, with headquarter located in same country, with closest market capitalization; x-axis shows the market cap, and y-axis shows the term value; the bigger the dot, the larger the market cap. Note that "N/A" values will not show up in the chart.
Evertec Debt-to-Equity vs Software Industry
For the Software industry and Technology sector, Evertec's Debt-to-Equity distribution charts can be found below:
* The bar in red indicates where Evertec's Debt-to-Equity falls into.
* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD. * For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.
Evertec (BSP:EVTC31) has a Debt-to-Equity of 2.07 as of Jun. 2026. Debt-to-Equity ratio represents the ratio of total debt to total company equity. View historical data on Evertec and its competitors. This is near median its historical median of 1.95. Over the past decade, Evertec's Debt-to-Equity has ranged from 0.78 to 6.28. According to the industry distribution chart, Evertec ranks #2110 out of 2246 companies in the Software industry, placing it in the top 93.9%.
Is Evertec's Debt-to-Equity too high?
Evertec's current Debt-to-Equity of 2.07 is near median its 10-year median of 1.95. Over the past 10 years, this metric has ranged from a low of 0.78 to a high of 6.28. The Software industry median Debt-to-Equity is 0.19. Evertec's value of 2.07 is 989.5% above this industry median. Based on the distribution chart, Evertec ranks #2110 out of 2246 companies in the Software industry, which is in the bottom quartile relative to peers. Overall, Evertec has a GF Score™ of 71/100 and is considered Possible Value Trap, reflecting its overall financial health beyond just this single metric.
How does Evertec's Debt-to-Equity compare to MQ and FIVN?
According to the Software industry distribution chart, Evertec ranks #2110 out of 2246 companies for Debt-to-Equity. This places Evertec in the lower half of its industry. The industry median Debt-to-Equity is 0.19. Evertec's value of 2.07 is 989.5% above this benchmark. Historically, Evertec's own Debt-to-Equity has ranged from 0.78 to 6.28 over the past decade. While the company's 10-year median is 1.95 vs. the industry median of 0.19, Evertec has consistently been above the industry average. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good Debt-to-Equity for a Software company?
The median Debt-to-Equity among Software companies is 0.19, based on 2,246 companies in the industry. Companies in the top quartile (top 25%) have a Debt-to-Equity significantly above this median, while those in the bottom quartile fall well below. However, Debt-to-Equity should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Evertec's current Debt-to-Equity of 2.07 is 989.5% above the industry median. Use the industry distribution chart on this page to see where any company falls relative to its peers.
What does a high Debt-to-Equity mean?
A high Debt-to-Equity can signal that a stock is expensive relative to its fundamentals. Debt-to-Equity ratio represents the ratio of total debt to total company equity. View historical data on Evertec and its competitors. For the Software industry, the median Debt-to-Equity is 0.19 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Evertec's current Debt-to-Equity is 2.07, which is near median its own 10-year median of 1.95. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Evertec stock overvalued right now?
Based on GuruFocus' analysis, Evertec (BSP:EVTC31) is currently considered Possible Value Trap. The stock's GF Value™ is R$234.50, compared to a current price of R$159.39 — trading 32% below its estimated fair value. The current Debt-to-Equity is 2.07, which is near median its 10-year median of 1.95 and 989.5% above the Software industry median of 0.19. Evertec's overall GF Score™ is 71/100 with 6 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is Debt-to-Equity calculated?
Debt-to-Equity is calculated from a company's financial statements. For Evertec (BSP:EVTC31), the current Debt-to-Equity is 2.07 as of Jun. 2026. GuruFocus calculates this using data sourced from SEC filings and annual reports. See the calculation section and 30-year financial data on this page for the full breakdown.
Is Evertec (BSP:EVTC31) Overvalued in 2026?
Based on GuruFocus' analysis, Evertec stock appears to be undervalued.
The current stock price of R$159.39 is trading 32% below its estimated GF Value™ of R$234.50.
GuruFocus considers Evertec to be Possible Value Trap.
Key valuation signals for BSP:EVTC31:
Debt-to-Equity: 2.07 (near median its 10-year median of 1.95)
GF Value™: R$234.50 vs. price of R$159.39 (32% below fair value)
Industry Position: 989.5% above the Software median (#2110 of 2246)
No single metric tells the full story. See the BSP:EVTC31 stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
Evertec Inc is a transaction processing business in Latin America and the Caribbean. Its business segments are Merchant Acquiring, Payment Services - Puerto Rico & Caribbean, Latin America Payments and Solutions, and Business Solutions. Latin America Payments and Solutions segment derive maximum revenue. The company serves a diversified customer base of financial institutions, merchants, corporations, and government agencies with mission-critical technology solutions that enable them to issue, process, and accept transactions securely. Geographically, it operates in Puerto Rico, Caribbean, and Latin America.
71GF Score
Get the complete analysis for BSP:EVTC31
Debt-to-Equity is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
Quick Browse
Personalize
Premium Gurus 
Create New Portfolio
BSP:EVTC31 has been successfully added to your 
