Is EVERTEC, Inc. (EVTC) Halal?
Shariah Screening — 5 Standards
Based on financial data from December 2025
| Standard | Debt Ratio | Cash Ratio | Receivables | Income | Status |
|---|---|---|---|---|---|
| AAOIFI | 52.9% / 30% | 15.0% / 30% | 8.2% / 30% | N/A | ✗ NOT HALAL |
| DJIM | 52.9% / 33% | 15.0% / 33% | 8.2% / 33% | N/A | ✗ NOT HALAL |
| MSCI | 52.0% / 33% | 14.7% / 33% | 8.1% / 33% | N/A | ✗ NOT HALAL |
| S&P | 52.9% / 33% | 15.0% / 33% | 8.2% / 33% | N/A | ✗ NOT HALAL |
| FTSE | 52.0% / 33% | 14.7% / 33% | 8.1% / 50% | N/A | ✗ NOT HALAL |
Financial Highlights
Profitability
| Gross Margin | 49.7% | |
| Operating Margin | 17.6% | |
| Net Margin | 15.2% | |
| Return on Equity (ROE) | 23.4% | |
| Return on Assets (ROA) | 5.7% |
Cash Flow & Balance Sheet
| Operating Cash Flow | $227M |
| Free Cash Flow | $136M |
| Total Debt | $1.1B |
| Debt-to-Equity | 159.1 |
| Current Ratio | 2.1 |
| Total Assets | $2.2B |
Price & Trading
| Last Close | $28.30 |
| 50-Day MA | $28.17 |
| 200-Day MA | $31.41 |
| Avg Volume | 480K |
| Beta | 0.9 |
|
52-Week Range
$24.95
| |
About EVERTEC, Inc. (EVTC)
EVERTEC, Inc. provides transaction processing and financial technology services in Latin America, Puerto Rico, and the Caribbean. It operates through four segments: Payment Services - Puerto Rico & Caribbean; Latin America Payments and Solutions; Merchant Acquiring; and Business Solutions. The company offers merchant acquiring services, which enable point of sales and e-commerce merchants to accept and process electronic methods of payment, such as debit, credit, prepaid, and electronic benefit transfer (EBT) cards. It also provides payment processing services that enable financial institutions and other issuers to manage, support, and facilitate the processing for credit, debit, prepaid, automated teller machines, and EBT card programs; credit and debit card processing, authorization and settlement, and fraud monitoring and control services to debit or credit issuers. In addition, the company offers business process management solutions comprising core bank processing, network hosting, managed services and managed security services, IT professional services, business process outsourcing, item processing, cash processing, and fulfillment. Further, it owns and operates the ATH network, a personal identification number debit network. The company processes approximately ten billion transactions annually through a system of electronic payment networks. It sells and distributes its services primarily through direct sales force. The company serves financial institutions, merchants, corporations, and government agencies. EVERTEC, Inc. was founded in 1988 and is headquartered in San Juan, Puerto Rico.
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Frequently Asked Questions
Is EVERTEC, Inc. (EVTC) halal to invest in?
Based on our screening using AAOIFI Standard 21 (the strictest methodology), EVERTEC, Inc. is Not Halal. The company fails one or more screening criteria. We screen against all 5 major standards: AAOIFI, DJIM, MSCI, S&P, and FTSE.
What is EVERTEC, Inc.'s debt ratio?
EVERTEC, Inc.'s debt ratio is 52.9% under the AAOIFI standard (which uses market capitalization as the denominator). The AAOIFI threshold is 30%. Under MSCI and FTSE (which use total assets as the denominator), the debt ratio is 52.0%.
What are EVERTEC, Inc.'s key financial metrics?
EVERTEC, Inc. has a market capitalization of $1.7B, trailing P/E ratio of 12.4, and revenue of $932M. The company maintains a gross margin of 49.7% and a net margin of 15.2%. Return on equity stands at 23.4%.
How often is the screening data updated?
Our screening data is updated regularly using the latest available financial statements and market data. Stock prices and market caps are refreshed frequently, while financial statements are updated quarterly when companies report earnings.
Disclaimer: HalalStockGuide.com provides Shariah compliance screening for educational and informational purposes only. This is not a fatwa, financial advice, or a recommendation to buy or sell any security. Screening results are based on publicly available financial data and established methodologies. Always consult a qualified Islamic scholar and a licensed financial advisor before making investment decisions.