Evertec Inc
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Let's analyse Evertec Inc together

Penke I guess you are interested in Evertec Inc. Buy, hold or sell? I don't know! However, I do recommend doing research before doing anything. I will help you with that.

I'm going to help you getting a better view of Evertec Inc. At the end you don't have to ask anyone for trading advice. You can make your own decision, with more confidence, the odds in your favor, backed by data.

You can find me behind Let's Analyse Together in the top-right of each section.

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Quick analysis of Evertec Inc (30 sec.)

What can you expect buying and holding a share of Evertec Inc? (30 sec.)

How much money do you get?

$0.20

When do you have the money?

1 year

How often do you get paid?

100.0%

What is your share worth?

Current worth

$9.59

Expected worth in 1 year

$11.96

How sure are you?

85.0%

+ What do you gain per year?

Total Gains per Share

$2.57

Return On Investment

6.9%

For what price can you sell your share?

Current Price per Share

$37.09

Expected price per share

$31.55 - $40.04

How sure are you?

50%

1. Valuation of Evertec Inc (5 min.)

Live pricePrice per Share (EOD)

$37.09

Book Value per Share

$9.59

Intrinsic Value Per Share

$-10.09 - $17.22

Total Value Per Share

$-0.51 - $26.81

My calculation of the intrinsic value of Evertec Inc is based how much money is coming from the company's main activities (Free Cash Flow).

The following numbers are based on moving averages and per share and per quarter.
I use a 6% discount rate for the low estimation and 3% for the high estimation.
The current Free Cash Flow Per Share is 10Y: ($0.45) 3Y: ($0.53) TTM: ($0.53)
The change per quarter (trend) of the Free Cash Flow Per Share is 10Y: ($0.00) 3Y: ($-0.04) TTM: ($-0.04)

Years	Total Low est.	Total High est.	Added Free Cash Flow
1	$1.32	$2.06	$1.11 - $2.09
2	$1.95	$4.04	$0.44 - $2.07
3	$1.97	$5.94	$-0.23 - $2.04
4	$1.44	$7.76	$-0.91 - $2.02
5	$0.43	$9.51	$-1.58 - $1.99
6	$-1.01	$11.18	$-2.26 - $1.97
7	$-2.83	$12.79	$-2.93 - $1.95
8	$-4.98	$14.33	$-3.61 - $1.92
9	$-7.41	$15.81	$-4.28 - $1.90
10	$-10.09	$17.22	$-4.95 - $1.87

2. Growth of Evertec Inc (5 min.)

Is Evertec Inc growing?

	Current year	Previous year	Grow	Grow %
How rich?	$635.3m	$484.4m	$70.8m	12.8%

How much money is Evertec Inc making?

	Current year	Previous year	Grow	Grow %
Making money	$19.9m	$59.7m	-$39.8m	-199.8%
Net Profit Margin	11.8%	39.8%	-	-

How much money comes from the company's main activities?

Quarterly Yearly

3. Financial Health of Evertec Inc (5 min.)

What can you expect buying and holding a share of Evertec Inc? (5 min.)

Welcome investor! Evertec Inc's management wants to use your money to grow the business. In return you get a share of Evertec Inc.

What can you expect buying and holding a share of Evertec Inc?

First you should know what it really means to hold a share of Evertec Inc. And how you can make/lose money.

Speculation

The Price per Share of Evertec Inc is $37.09. The market price reflects what other people think it is worth; not what it's really worth. Your job is to find out if the market price is fair, overpriced, or underpriced. I will help you with that.

If you buy blind, there is a 50% chance of making or losing money by selling the stock in the future. However, we can look at a few things to determine the odds in our favor:

The fundamentals: the financial health trends of Evertec Inc.
The technials: based on market psychology, we can make a calculated estimate of what the price will do in the future. We can do this through technical analysis. We can calculate the probabilities and the expected value (millionaire math). That's called speculation.
The book value: what is the market price compared to it's book value.

Investing

If you really want to invest in Evertec Inc, you will have to let go of the thought of selling in the future. If you have to sell the share for less than you bought it, it can still be a good investment. Focus on what it means to hold the stock forever:

You own a part of the company. The equity of this part can grow or shrink. The current Book Value per Share is $9.59. Based on the TTM, the Book Value Change Per Share is $0.59 per quarter. Based on the YOY, the Book Value Change Per Share is $0.19 per quarter.
You may receive quarterly/yearly dividend in the form of additional shares.
You may receive quarterly/yearly dividend in the form of cash. Based on the TTM the Dividend per Share is $0.05 per quarter.

Based on historical numbers we can estimate the returns while holding a share of Evertec Inc.

How much money are you going to get?

	MRQ		TTM		YOY		5Y		10Y
	$	% of Price per Share	$	% of Price per Share	$	% of Price per Share	$	% of Price per Share	$	% of Price per Share
Usd Eps	0.17	0.5%	0.30	0.8%	0.87	2.4%	0.49	1.3%	0.37	1.0%
Usd Book Value Change Per Share	1.43	3.9%	0.59	1.6%	0.19	0.5%	0.34	0.9%	0.21	0.6%
Usd Dividend Per Share	0.05	0.1%	0.05	0.1%	0.05	0.1%	0.05	0.1%	0.08	0.2%
Usd Total Gains Per Share	1.48	4.0%	0.64	1.7%	0.24	0.7%	0.39	1.0%	0.28	0.8%
Usd Price Per Share	40.94	-	37.18	-	35.39	-	35.87	-	27.66	-
Price to Earnings Ratio	59.09	-	39.96	-	15.34	-	24.21	-	23.39	-
Price-to-Total Gains Ratio	27.60	-	-752.10	-	38.75	-	-128.99	-	-21.58	-
Price to Book Ratio	4.27	-	4.41	-	5.08	-	6.88	-	8.98	-
Price-to-Total Gains Ratio	27.60	-	-752.10	-	38.75	-	-128.99	-	-21.58	-

When do you get the money?

Usd Investment	$.00
Usd Price Per Share	37.09
Number of shares	26

Gains per Quarter	Trailing 12 Months	5 Year
Usd Dividend Per Share	0.05	0.05
Usd Book Value Change Per Share	0.59	0.34
Usd Total Gains Per Share	0.64	0.39
Gains per Quarter (26 shares)	16.72	10.12
Gains per Year (26 shares)	66.89	40.49

Years	Return on Investment (TTM)			Return on Investment (5Y)
	Dividend	Book Value gain	Total gains	Dividend	Book Value gain	Total gains
Broker costs	-	-	-10	-	-	-10
1	5	62	57	6	35	30
2	10	123	124	11	70	70
3	15	185	191	17	105	110
4	21	247	258	23	139	150
5	26	309	325	28	174	190
6	31	370	392	34	209	230
7	36	432	459	40	244	270
8	41	494	526	45	279	310
9	46	556	593	51	314	350
10	51	617	660	56	348	390

How sure are you?

Based on the past periods, how sure are you to get value out of your investment.

Linear %

	Trailing 12 Months				3Y				5 Year				10 Year				ALLTIME
				%				%				%				%				%
Earnings Per Share	4.0	0.0	0.0	100.0%	12.0	0.0	0.0	100.0%	20.0	0.0	0.0	100.0%	40.0	0.0	0.0	100.0%	48.0	2.0	0.0	96.0%
Book Value Change Per Share	3.0	1.0	0.0	75.0%	10.0	2.0	0.0	83.3%	17.0	3.0	0.0	85.0%	32.0	8.0	0.0	80.0%	34.0	14.0	2.0	68.0%
Dividend per Share	4.0	0.0	0.0	100.0%	12.0	0.0	0.0	100.0%	20.0	0.0	0.0	100.0%	40.0	0.0	0.0	100.0%	44.0	0.0	6.0	88.0%
Total Gains per Share	3.0	1.0	0.0	75.0%	10.0	2.0	0.0	83.3%	17.0	3.0	0.0	85.0%	34.0	6.0	0.0	85.0%	37.0	11.0	2.0	74.0%

Fundamentals of Evertec Inc

About Evertec Inc

https://www.evertecinc.com
5000
Cupey Center Building, San Juan, PR, United States, 00926
Google Maps Bing Maps

EVERTEC, Inc. engages in transaction processing business and financial technology in Latin America and the Caribbean. The company operates through four segments: Payment Services - Puerto Rico & Caribbean; Latin America Payments and Solutions; Merchant Acquiring; and Business Solutions. It provides 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. In addition, the company offers 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 services. Further, it provides business process management solutions comprising core bank processing, network hosting and management, IT professional, business process outsourcing, item and cash processing, and fulfillment solutions to merchant, fintech, financial institutions, and corporate and government customers. Additionally, the company owns and operates the ATH network, a personal identification number debit networks. It manages a system of electronic payment networks that process approximately six billion transactions. The company sells and distributes its services primarily through direct sales force. It serves financial institutions, merchants, corporations, and government agencies. EVERTEC, Inc. was founded in 1988 and is headquartered in San Juan, Puerto Rico.

Fundamental data was last updated by Penke on 2024-04-13 13:51:04.

Financial Health

Profitability Details

	Compared to previous year	Compared to industry
The company is making a huge profit.
Using its assets, the company is less efficient in making profit.
Using its investors money, the company is inefficient in making profit.

Operating Efficiency Details

	Compared to previous year	Compared to industry
The company is operating efficient.
The company is less efficient in keeping operating costs low.

Liquidity Details

	Compared to previous year	Compared to industry
The company is able to pay all its short-term debts.
The company is very able to pay all its short-term debts with the most liquid assets.

Solvency Details

	Compared to previous year	Compared to industry
The company is able to pay all its debts by selling its assets.
The company is just able to pay all its debts with equity.

Valuation

Valuation Details

	Compared to previous year	Compared to industry
Based on the equity, the company is fair priced.
Based on the earnings, the company is overpriced.
Based on how much money comes from the company's main activities, the company is underpriced.

1.1. Profitability of Evertec Inc.

1.1. Profitability

1.1.1. Net Profit Margin

Measures how much net profit Evertec Inc earns for each $1 of revenue.

Above 10% is considered healthy but always compare Evertec Inc to the Software - Infrastructure industry mean.
A Net Profit Margin of 5.9% means that $0.06 for each $1 in revenue is generated as profit.

Let's take a look of the Net Profit Margin trends of Evertec Inc:

The MRQ is 5.9%. The company is making a profit. +1
The TTM is 11.8%. The company is making a huge profit. +2

Trends

Current period		Compared to		+/-
MRQ	5.9%	TTM	11.8%	-5.9%
TTM	11.8%	YOY	39.8%	-27.9%
TTM	11.8%	5Y	24.1%	-12.2%
5Y	24.1%	10Y	21.4%	+2.6%

Measures how much net profit Evertec Inc earns for each $1 of revenue.

Revenue is the amount of profit Evertec Inc generates before taxes and all other costs. For example, when you buy a cup of coffee it will cost you $3. The company does not earn $3 in profit but also has to pay various costs and taxes to create that cup of coffee. Let's assume the cost of creating a cup of coffee is $1.5.

The $3 you pay for a cup of coffee is called revenue.
The $1.5 that’s left over when all costs to create that cup of coffee (including taxes) are deduced from the revenue is called net profit.

The net profit margin looks at how much net profit Evertec Inc earns for each $1 in revenue.

How to use net profit margin

Higher profit margin is better (more profit).
Above 10% is considered healthy but always compare Evertec Inc to the Software - Infrastructure industry mean.
Can be used to compare companies within the Software - Infrastructure industry.

You typically want a high profit margin. This means that for each $1 in sales, Evertec Inc makes more profit. This shows the investor how efficiently Evertec Inc is operating in general and compared to other companies in the same industry. Evertec Inc operates in the Software - Infrastructure industry.

Why do investors use net profit margin in their analysis

It helps investors to determine the efficiency of Evertec Inc. If profit margins remain low (compared to the Software - Infrastructure industry mean) and there are no improvements to make in production costs or other areas that might be a warning sign. If profit margins are high that means the company has low overhead costs and is efficiently using its resources to generate profit.

The three steps every investor should look at:

What is the current net profit margin?
The current most recent quarter (MRQ) Net Profit Margin of Evertec Inc is 0.06. This means that Evertec Inc earned $0.06 for each $1 in revenue in the most recent quarter.
How does it compare to the industry?
The mean MRQ Net Profit Margin of the Software - Infrastructure industry is .
What is the trend?
The trend is important because it shows you how Evertec Inc is performing over time. The most recent quarter might be important if Evertec Inc released a new product or service. And you can use MRQ to see if they performed better vs last year. You can find all the trends for Evertec Inc up to 10 years back (depending if the company existed 10 years ago) when you exit this learning section.

Things to be aware of

Only compare Evertec Inc with other companies in the same industry (Software - Infrastructure).
Net profit margin should rise over the years.
Can be influenced when Evertec Inc sells assets (profit will increase while costs remain the same).
It won’t show what part of Evertec Inc is doing great or needs improvement (it only looks at total revenue and total net income).

How to calculate net profit margin

Net profit margin = net income / total revenue * 100%

Real example of Evertec Inc

You need the following data to determine net profit margin:

Income statement from the period you want to calculate (for example, MRQ or TTM).

Net income MRQ Evertec Inc = 11,479
Total revenue MRQ Evertec Inc = 194,621
$11,479 / $194,621 = 0.06 or 5.9%

Higher is better

The higher the net profit margin, the more efficient the company is generating income. This helps investors to determine how the company is managing money. The net profit margin is an important indicator when diving into the financial health of a company. Overall, you want to see the net profit margin rising over the years. That means the company improved their production and made it more efficient (if possible).

You can use the net profit margin to compare companies within the same industry. If there are two companies where one is much bigger but the smaller one has a higher net profit margin, that means the smaller company is more efficiently using operational costs.

Important: Profit margins can be very different between industries. Companies with assembly lines or transports are much more prone to see shifting in prices for fuel, ingredients and maintenance compared to companies that only provide services. You should never compare net profit margin between different industries.

1.1.2. Return on Assets

Shows how efficient Evertec Inc is using its assets to generate profit.

Above 5% is considered healthy but always compare Evertec Inc to the Software - Infrastructure industry mean.
0.6% Return on Assets means that Evertec Inc generated $0.01 profit for each $1 in assets.

Let's take a look of the Return on Assets trends of Evertec Inc:

The MRQ is 0.6%. Using its assets, the company is inefficient in making profit. -1
The TTM is 1.6%. Using its assets, the company is less efficient in making profit.

Trends

Current period		Compared to		+/-
MRQ	0.6%	TTM	1.6%	-1.0%
TTM	1.6%	YOY	5.3%	-3.7%
TTM	1.6%	5Y	3.2%	-1.5%
5Y	3.2%	10Y	2.6%	+0.5%

Shows how efficient Evertec Inc is using its assets to generate profit.

For a farm, a tractor is considered an asset. The tractor helps ploughing the land making it possible to plant and harvest crops. But the tractor might be old and needing maintenance all the time reducing its efficiency. Return on assets indicates how effectively the farm is using the tractor (and other assets that help the core business) to plough the land.

How to use return on assets

Higher is better.
Above 5% is considered healthy but always compare Evertec Inc to the Software - Infrastructure industry mean.
Can be very different between industries.
Can be used to compare companies.

Why do investors use return on assets in their analysis

Shows the investor how effectively Evertec Inc is using its resources to generate profit. If the return on assets (0.6%) from Evertec Inc are higher than the Software - Infrastructure mean () that means Evertec Inc is using its resources better than their competitors. If not, that means their competitors are more efficient in using their resources to generate profit.

An investor should always look at:

What is the current return on assets?
The current most recent quarter (MRQ) Return on Assets of Evertec Inc is 0.6%. This means the company generated $0.01 for each $1 in assets.
How does it compare to the industry?
The mean MRQ Return on Assets of the Software - Infrastructure industry is .
What is the trend?
The trend is important because it shows you how Evertec Inc is performing over time. The most recent quarter might be important if Evertec Inc released a new product or service. And you can use MRQ to see if they performed better vs last year. You can find all the trends for Evertec Inc up to 10 years back (depending if the company existed 10 years ago) when you exit this learning section.

Things to be aware of

Only compare with other companies in the same industry.
If a company has many assets changing over time, it’s better to calculate the average assets instead of the total assets.

How to calculate return on assets

Return on assets = net income / total assets * 100%

Real example Evertec Inc

You need the following data to determine return on assets (ROA):

Income statement
Balance sheet

Net income MRQ (income statement) from Evertec Inc = 11,479
Total assets MRQ (balance sheet) from Evertec Inc = 2,060,263
11,479 / 2,060,263 = 0.01 or 0.6%

ROA is an important ratio as it will tell you how effectively Evertec Inc is using its resources to generate profits. Example:

Bob and Kristin both sell ice cream in the summer. They both have an ice cream truck. The truck Bob owes cost him $20.000 and the truck Kristin owes cost her $1500. Over the summer, Bob earned $2000 and Kristin earned $200. To calculate the return on assets:

Bob: $2000 / $20.000 * 100% = 10%
Kristin: $200 / $1500 * 100% = 13.3%

This tells you Bob’s company is more valuable but Kristin's company is more efficient. Be aware that total assets can change over time. A transportation business will buy and sell trucks or planes all the time. Before using return on assets as a guideline, you have to know what the exact assets are. For a company that has many assets changing over time, it’s better to calculate the average assets instead of the total assets.

1.1.3. Return on Equity

Shows how efficient Evertec Inc is using its investors money to generate profit.

Above 15%-20% is considered healthy but always compare Evertec Inc to the Software - Infrastructure industry mean.
1.9% Return on Equity means Evertec Inc generated $0.02 for each $1 the owners (shareholders) invested.

Let's take a look of the Return on Equity trends of Evertec Inc:

The MRQ is 1.9%. Using its investors money, the company is inefficient in making profit. -1
The TTM is 3.8%. Using its investors money, the company is inefficient in making profit. -1

Trends

Current period		Compared to		+/-
MRQ	1.9%	TTM	3.8%	-1.8%
TTM	3.8%	YOY	12.8%	-9.0%
TTM	3.8%	5Y	9.2%	-5.5%
5Y	9.2%	10Y	11.9%	-2.6%

Shows how efficient Evertec Inc is using its investors money to generate profit.

A publicly traded company (any company that issues shares to the public) is owned by its shareholders. Return on equity calculates the amount of profit for every $1 the shareholders invested.

How to use return on equity

Higher is better.
Above 15%-20% is considered healthy but always compare Evertec Inc to the Software - Infrastructure industry mean.
Can be very different between industries.
Can be used to compare companies.

Why do investors use return on equity in their analysis

To find out the owners/management's attitude toward their company. You typically want the owners/management to invest in the company and focus on generating profit. If not enough profit is generated (compared to the Software - Infrastructure industry mean), the company might not be investing their money efficiently.

The three steps every investor should look at:

What is the current return on equity?
The current most recent quarter (MRQ) Return on Equity of Evertec Inc is 1.9%. This means Evertec Inc generated $0.02 for each $1 the owners (shareholders) invested.
How does it compare to the industry?
The mean MRQ Return on Equity of the Software - Infrastructure industry is .
What is the trend?
The trend is important because it shows you how Evertec Inc is performing over time. The most recent quarter might be important if Evertec Inc released a new product or service. And you can use MRQ to see if they performed better vs last year. You can find all the trends for Evertec Inc up to 10 years back (depending if Evertec Inc existed 10 years ago) when you exit this learning section.

Things to be aware of

Only compare with other companies in the same industry.
Does not include intangible assets (non physical assets like licences, computer software, etc.).
Stockholders equity and shareholders equity refer to the same thing.
Liabilities should not be more than three times return on equity.

How to calculate return on equity

Return on equity = net profit / shareholders equity * 100%

Real example of Evertec Inc

You need the following data to determine ROE:

Income statement
Balance sheet
Net profit MRQ (income statement) Evertec Inc = 11,479
Shareholders equity (balance sheet) MRQ Evertec Inc = 594,293
11,479 / 594,293 = 0.02 or 1.9%

A negative shareholder equity is a warning sign. It means the company has more liabilities than assets. It might also mean that the owners did not invest enough money or they are taking money out of the business.

1.2. Operating Efficiency of Evertec Inc.

1.2. Operating Efficiency

1.2.1. Operating Margin

Measures how efficient Evertec Inc is operating .

Measures how much profit Evertec Inc makes for each $1 of sales after paying variable costs (production costs, wages, etc) but before taxes.
Above 15% is considered healthy but always compare Evertec Inc to the Software - Infrastructure industry mean.
An Operating Margin of 11.2% means the company generated $0.11 for each $1 in revenue (before taxes).

Let's take a look of the Operating Margin trends of Evertec Inc:

The MRQ is 11.2%. The company is operating less efficient.
The TTM is 21.7%. The company is operating efficient. +1

Trends

Current period		Compared to		+/-
MRQ	11.2%	TTM	21.7%	-10.5%
TTM	21.7%	YOY	25.3%	-3.7%
TTM	21.7%	5Y	28.1%	-6.4%
5Y	28.1%	10Y	27.6%	+0.5%

Measures how efficient Evertec Inc is operating .

The more effecient a company creates products or provides services, the more profit it generates.

How to use operating margin

Higher is better
Above 15% is considered healthy but always compare Evertec Inc to the Software - Infrastructure industry mean.
Can be very different between industries
Can be used to compare companies

Why do investors use operating margin in their analysis

To determine how much profit Evertec Inc is making from it’s core business.

The three steps every investor should look at:

What is the current net profit margin?
The current most recent quarter (MRQ) Operating Margin of Evertec Inc is 11.2%. This means that Evertec Inc earned $0.11 for each $1 in revenue in the most recent quarter.
How does it compare to the industry?
The mean MRQ Operating Margin of the Software - Infrastructure industry is .
What is the trend?
The trend is important because it shows you how Evertec Inc is performing over time. The most recent quarter might be important if Evertec Inc released a new product or service. And you can use MRQ to see if they performed better vs last year. You can find all the trends for Evertec Inc up to 10 years back (depending if the company existed 10 years ago) when you exit this learning section.

Things to be aware of

Only compare with other companies in the same industry
Can be calculated in different ways

How to calculate operating margin

Operating margin = operating earnings / total revenue

Real example of Evertec Inc

You need the following data to determine operating margin:

Income statement
Operating earnings MRQ Evertec Inc = 21,735
Total revenue MRQ Evertec Inc = 194,621
$21,735 / $194,621 = 0.11 or 11.2%

Operating margin is used to calculate how much profit a company makes after variable costs of production but before paying interest and taxes. Some variable costs examples are wages, raw materials, packaging, and transaction fees. The amount of variable costs is different for each company and industry. In general, a higher operating margin is better as this implicates that a company is running efficiently.

For investors, a higher operating margin is a good sign. Although you should always look at operating margin in the long term. If operating margin is fluctuating over the years this might be a sign that things are not running efficiently enough. It’s a way to check how much profit a company is making from its core business.

Operation earnings can be calculated in multiple ways:

Operation earnings = EBIT - non operating income + non operating expense
Operation earnings = Gross profit - operating expense - depreciation and amortisation
Operation earnings = Total revenue - COGS (costs of goods sold) - indirect costs

1.2.2. Operating Ratio

Measures how efficient Evertec Inc is keeping operating costs low.

Below 1 is considered healthy (always compare to Software - Infrastructure industry mean).
An Operation Ratio of 0.89 means that the operating costs are $0.89 for each $1 in net sales.

Let's take a look of the Operating Ratio trends of Evertec Inc:

The MRQ is 0.888. The company is less efficient in keeping operating costs low.
The TTM is 0.800. The company is less efficient in keeping operating costs low.

Trends

Current period		Compared to		+/-
MRQ	0.888	TTM	0.800	+0.088
TTM	0.800	YOY	0.747	+0.053
TTM	0.800	5Y	0.728	+0.072
5Y	0.728	10Y	0.733	-0.005

Measures how efficient Evertec Inc is keeping operating costs low.

If the operating ratio is below 1 that means the company is making money. The lower the operating ratio, the more efficient the company.

How to use operating ratio

Lower is better.
Below 1 is considered healthy but always compare Evertec Inc to the Software - Infrastructure industry mean.
Can be very different between industries.
Can be used to compare companies.

Why do investors use operating ratio in their analysis

Shows if costs of creating products and or services is increasing or decreasing. The lower the operating ratio, the more efficient the company is creating products and services.

The three steps every investor should look at:

What is the current Operatin ratio?
The current most recent quarter (MRQ) Operating Ratio of Evertec Inc is 88.8%. This means that Evertec Inc earned $0.89 for each $1 in net sales in the most recent quarter.
How does it compare to the industry?
The mean MRQ Operating Ratio of the Software - Infrastructure industry is .
What is the trend?
The trend is important because it shows you how Evertec Inc is performing over time. The most recent quarter might be important if Evertec Inc released a new product or service. And you can use MRQ to see if they performed better vs last year. You can find all the trends for Evertec Inc up to 10 years back (depending if the company existed 10 years ago) when you exit this learning section.

Things to be aware of

Only compare with other companies in the same industry.
You need COGS to calculate operating ratio which is not always shown in the income statement.
Does not consider debt.

How to calculate operating ratio

Operating ratio = Operating expenses + COGS \ Net sales

Real life example Evertec Inc

You need the following data to determine operating ratio:

Income statement

COGS is not always specified on the income statement. If so you can use the following calculation:

(cost of revenue + total operating expenses) \ total revenue
(128,548 +44,338) \ 194,621 = 0.89

The operating ratio measures the efficiency of a company at keeping low costs while generating profits from sales. It compares the total operating expenses to the net amount of sales. The total operating expenses exists of:

COGS (materials, labour, rent of facility, repairs)
Operating expenses (legal fees, marketing, wages, rent, maintenance/repairs)

Operating expenses are all the costs the company makes that are not directly tied to the production of the service or product. Where COGS are costs that are directly tied to the production of a product or service.

Do note that COGS is not always available in the income statement. Some companies include COGS in the operating expenses while others list COGS separately. To make it even more confusing, COGS is also known as “costs of sales” and costs of sales is the same as costs of revenue.

The operating ratio tells you how efficient the company is creating its products or services while keeping prices low. In this case, a lower ratio is better. Higher or rising operating ratios might tell you that costs are rising while sales are not improving or staying the same.

1.3. Liquidity of Evertec Inc.

1.3. Liquidity

1.3.1. Current Ratio

Measures if Evertec Inc is able to pay off Short-term Debt.

Above 1.5 is considered healthy (always compare to Software - Infrastructure industry mean).
A Current Ratio of 1.86 means the company has $1.86 in assets for each $1 in short-term debts.

Let's take a look of the Current Ratio trends of Evertec Inc:

The MRQ is 1.856. The company is able to pay all its short-term debts. +1
The TTM is 1.866. The company is able to pay all its short-term debts. +1

Trends

Current period		Compared to		+/-
MRQ	1.856	TTM	1.866	-0.010
TTM	1.866	YOY	2.495	-0.629
TTM	1.866	5Y	2.183	-0.317
5Y	2.183	10Y	1.774	+0.409

Measures if Evertec Inc is able to pay off Short-term Debt.

How to use current ratio

Higher is better
Above 1.5 is considered healthy (always compare to Software - Infrastructure industry mean).
Can be very different between industries
Can be used to compare companies

Why do investors use current ratio in their analysis

Shows if the company can pay of short term debts if needed. A company that can't pay off it's short term debts might get in trouble if they have to pay off their short term debts for whatever reason. For example, markets can change due to global events like covid-19 or the war in Ukraine versus Russia. Because debts are always taken based on future income, it might become troublesome for Evertec Inc if something happens in the market that will cause sales to plummet.

The three steps every investor should look at:

What is the current current Ratio?
The current most recent quarter (MRQ) Current Ratio of Evertec Inc is 1.86. This means Evertec Inc has $1.86 in assets for each $1 in short-term debts.
How does it compare to the industry?
The mean MRQ Current Ratio of the Software - Infrastructure industry is .
What is the trend?
The trend is important because it shows you how Evertec Inc is performing over time. The most recent quarter might be important if Evertec Inc released a new product or service. And you can use MRQ to see if they performed better vs last year. You can find all the trends for Evertec Inc up to 10 years back (depending if the company existed 10 years ago) when you exit this learning section.

Things to be aware of

Only compare with other companies in the same industry.
Might be deluded.
Not all assets can always be quickly sold.
Can be manipulated by increasing or decreasing the assets and/or liabilities.

How to calculate current ratio

Current ratio = current assets \ current liabilities

Real life example Evertec Inc

You need the following data to determine operating ratio:

Balance sheet
Current ratio = current assets \ current liabilities
553,607 \ 298,313) = 1.86

The current ratio measures if Evertec Inc is able to pay short-term debts (obligations). Short term in this context means all debt obligations that are about to expire within one year. The current ratio incorporates current liabilities and current assets. Current assets are all the assets a company has that are expected to be consumed or sold within standard business operations. You can find the current assets in the balance sheet. They consist of:

Inventory
Accounts receivable
Marketable securities
Prepaid expenses
Cash
Cash equivalents
liquid assets

The current liabilities are short term obligations that are due within one year. These consist of:

Short term debts
Dividends
Income taxes
Short-term debts
Accounts payable
Interest payments

The result shows an investor if Evertec Inc is able to pay all its short-term debts if they were due all at once. When the result of the above formula is below 1, then Evertec Inc does not have enough capital after selling all its assets to pay all short-term debts. If the ratio drops far below 1 that might indicate Evertec Inc is or will be in financial trouble anytime soon.

Although this gives an investor some clues, the current ratio may also be deluded. Because owning assets does not mean the company can easily sell them. Also, Accounts receivable may be quite old (they will probably never pay) which deludes the current ratio. As with all ratios, you should only compare them between the same industries and companies.

1.3.2. Quick Ratio

Measures if Evertec Inc is able to pay off Short-term Debt but only using the most liquid assets.

Above 1 is considered healthy but always compare Evertec Inc to the Software - Infrastructure industry mean.
A Quick Ratio of 1.53 means the company can pay off $1.53 for each $1 in debt (using most liquid assets).

Let's take a look of the Quick Ratio trends of Evertec Inc:

The MRQ is 1.529. The company is very able to pay all its short-term debts with the most liquid assets. +2
The TTM is 27.543. The company is very able to pay all its short-term debts with the most liquid assets. +2

Trends

Current period		Compared to		+/-
MRQ	1.529	TTM	27.543	-26.013
TTM	27.543	YOY	2.065	+25.477
TTM	27.543	5Y	6.994	+20.549
5Y	6.994	10Y	4.069	+2.925

Measures if Evertec Inc is able to pay off Short-term Debt but only using the most liquid assets.

How to use quick ratio

Higher is better.
Above 1 is considered healthy but always compare Evertec Inc to the Software - Infrastructure industry mean.
Can be very different between industries.
Can be used to compare companies.

Why do investors use quick ratio in their analysis

Shows how fast Evertec Inc can pay off its short term debts. This shows if Evertec Inc can survive emergencies due to market changes or other reasons.

The three steps every investor should look at:

What is the current Quick Ratio?
The current most recent quarter (MRQ) quickRatio of Evertec Inc is 1.53. This means that Evertec Inc can pay off $1.53 for each $1 in debt (using most liquid assets).
How does it compare to the industry?
The mean MRQ Quick Ratio of the Software - Infrastructure industry is .
What is the trend?
The trend is important because it shows you how Evertec Inc is performing over time. The most recent quarter might be important if Evertec Inc released a new product or service. And you can use MRQ to see if they performed better vs last year. You can find all the trends for Evertec Inc up to 10 years back (depending if the company existed 10 years ago) when you exit this learning section.

Things to be aware of

Only compare with other companies in the same industry.
Incorporates only most liquid assets.

How to calculate quick ratio

Quick ratio = cash and equivalents + marketable securities + accounts receivable / current liabilities

Real life example Evertec Inc

You need the following data to determine operating ratio:

Balance sheet
Quick ratio = cash and short-term investments + short-term investments + netReceivables / total current liabilities
MRQ quick ratio Evertec Inc: (318,673 + 0 +137,596) / 298,313 = 1.53

The quick ratio measures the same thing as the current ratio, only it uses the most liquid assets a company has. Meaning, the assets that can be sold for cash the easiest and fastest.

As the quick ratio only incorporates the most liquid assets, you should also check the current ratio which also includes less liquid assets. But they may be harder to sell.

1.4. Solvency of Evertec Inc.

1.3. Liquidity

1.4.1. Debt to Asset Ratio

Measures how much % of Evertec Inc assets are financed with debt.

Below 1 (100%) is considered healthy but always compare Evertec Inc to Software - Infrastructure industry mean.
A Debt to Asset Ratio of 0.69 means that Evertec Inc assets are financed with 69.2% credit (debt) and the remaining percentage (100% - 69.2%) is financed by its owners/shareholders.

Let's take a look of the Debt to Asset Ratio trends of Evertec Inc:

The MRQ is 0.692. The company is able to pay all its debts by selling its assets. +1
The TTM is 0.586. The company is able to pay all its debts by selling its assets. +1

Trends

Current period		Compared to		+/-
MRQ	0.692	TTM	0.586	+0.106
TTM	0.586	YOY	0.577	+0.008
TTM	0.586	5Y	0.650	-0.064
5Y	0.650	10Y	0.748	-0.098

Measures how much % of Evertec Inc assets are financed with debt.

When there are more debts than assets, that means creditors have a larger stake Evertec Inc than its shareholders.

How to use debt to asset ratio

Lower is better.
below 1 (100%) is considered healthy but always compare Evertec Inc to Software - Infrastructure industry mean.
Can be very different between industries.
Can be used to compare companies.

Why do investors use the debt to asset ratio in their analysis

It shows how much debt the company used to finance its assets. If a company is almost entirely financed with debt that means the company might get into serious trouble when emergencies arise like a raise in interest.

The three steps every investor should look at:

What is the current debt to asset ratio?
The current most recent quarter (MRQ) Debt to Asset Ratio of Evertec Inc is 0.69. This means means that Evertec Inc is financed with 69.2% credit and the remaining percentage is financed by it's owners (shareholders).
How does it compare to the industry?
The mean MRQ Current Ratio of the Software - Infrastructure industry is .
What is the trend?
The trend is important because it shows you how Evertec Inc is performing over time. The most recent quarter might be important if Evertec Inc released a new product or service. And you can use MRQ to see if they performed better vs last year. You can find all the trends for Evertec Inc up to 10 years back (depending if the company existed 10 years ago) when you exit this learning section.

Things to be aware of

Only compare with other companies in the same industry
Some companies can have higher debt to assets ratio's (for example, banks).
Debt to asset ratio should improve over the years.
If the debt to asset ratio is above 1, look at the industry mean and find out why Evertec Inc has so much debt.

How to calculate debt to asset ratio

Debt to asset ratio = total debt \ total assets

Real life example Evertec Inc

You need the following data to determine debt to asset ratio:

Balance sheet
Debt to asset ratio = total debt \ total assets
1,424,887 \ 2,060,263 = 69.2% or 0.69.

The debt to total assets ratio shows if the company is owned by creditors or shareholders. Or in other words, the total debt in relation to the total amount of assets. It shows how much debt the company used to finance its assets.

1.4.2. Debt to Equity Ratio

Measures if Evertec Inc is able to pay off its debts by using shareholders equity.

Below 2 is considered healthy but always compare Evertec Inc to the Software - Infrastructure industry mean.
A Debt to Equity ratio of 239.8% means that company has $2.40 debt for each $1 in shareholders equity.

Let's take a look of the Debt to Equity Ratio trends of Evertec Inc:

The MRQ is 2.398. The company is just not able to pay all its debts with equity.
The TTM is 1.526. The company is just able to pay all its debts with equity.

Trends

Current period		Compared to		+/-
MRQ	2.398	TTM	1.526	+0.872
TTM	1.526	YOY	1.379	+0.147
TTM	1.526	5Y	2.039	-0.513
5Y	2.039	10Y	3.962	-1.924

Measures if Evertec Inc is able to pay off its debts by using shareholders equity.

How to use debt to equity ratio

Lower is better.
Below 2 is considered healthy (always use industry average).
Can be very different between industries.
Can be used to compare companies.

Why do investors use the debt to shareholders equity ratio in their analysis

It shows how much debt the company uses to finance their operations. Shareholders equity is whats left over when you subtract total liabilities from total assets. It's another way to meassure how much of Evertec Inc is financed with debt or own resources.

The three steps every investor should look at:

What is the current debt to equity ratio?
The current most recent quarter (MRQ) quickRatio of Evertec Inc is 2.40. This means that Evertec Inc can pay off $2.40 for each $1 in debt.
How does it compare to the industry?
The mean MRQ Quick Ratio of the Software - Infrastructure industry is .
What is the trend?
The trend is important because it shows you how Evertec Inc is performing over time. The most recent quarter might be important if Evertec Inc released a new product or service. And you can use MRQ to see if they performed better vs last year. You can find all the trends for Evertec Inc up to 10 years back (depending if the company existed 10 years ago) when you exit this learning section.

Things to be aware of

Only compare with other companies in the same industry.
Not all debt is equally risky (for example, short term risk is less risky).

How to calculate debt to equity ratio

Debt to equity ratio = total debt \ shareholders equity.

Real life example Evertec Inc

You need the following data to determine equity ratio:

Balance sheet
Debt to equity ratio = total debt \ shareholders equity
1,424,887 \ 594,293 = 2.40 or 239.8%

Debt to equity measures the total debt versus the total shareholders equity. While the total debts to total assets ratio uses total assets, the debt to equity ratio looks at the total equity of shareholders. Where equity of shareholders are:

Common shares.
Preferred shares.
Retained earnings.

You can find the shareholders' equity in the balance sheet. A ratio between 0,5 and 1,5 is preferred. If the ratio is above 1.5, that would indicate creditors have significantly more stake (debt) in the company than the shareholders. In other words, the company is using a lot of debt to finance their operations.

Not all debt is equally risky. Meaning you can adjust the ratio by including or excluding certain amounts of debt. Short term debts are less risky because they have to be paid back within one year anyway. It’s much easier to plan one year ahead versus five or ten years.

2. Market Valuation of Evertec Inc

2.1. Earnings Per Share

2.1. Price to Earnings Ratio

Measures how much money you pay for each share for every $1 in earnings Evertec Inc generates.

Above 15 is considered overpriced but always compare Evertec Inc to the Software - Infrastructure industry mean.
A PE ratio of 59.09 means the investor is paying $59.09 for every $1 in earnings.

Let's take a look of the Price to Earnings Ratio trends of Evertec Inc:

The EOD is 53.534. Based on the earnings, the company is expensive. -2
The MRQ is 59.091. Based on the earnings, the company is expensive. -2
The TTM is 39.964. Based on the earnings, the company is overpriced. -1

Trends

Current period		Compared to		+/-
EOD	53.534	MRQ	59.091	-5.557
MRQ	59.091	TTM	39.964	+19.127
TTM	39.964	YOY	15.336	+24.629
TTM	39.964	5Y	24.206	+15.758
5Y	24.206	10Y	23.387	+0.820

Measures how much money you pay for each share for every $1 in earnings Evertec Inc generates.

Indicates if the company’s shares are under or overvalued.

How to use PE ratio

Above 15 is considered overpriced but is hard to determine. Always compare Evertec Inc to the Software - Infrastructure industry mean.
Can be very different between industries.
Can be used to compare companies.

Why do investors use PE ratio in their analysis

The PE ratio tells investors the current sentiment in the market for that company. As with every stock, the stock price never shows the real valuation of a company but rather how the market thinks how much the stock is worth.

In other words, the current stock price also incorporates any future earnings or business opportunities in the future. The best example is the stock market crash in 2000. The PE ratio for any internet based company was going through the roof. Only based on the general assumption the internet and all associated businesses would thrive in the future. But this was based on nothing. A business still needs a good product or service to be able to survive. Instead, every investor bought any stock which did something related to the internet. Result: huge market crash.

Many investors were willing to pay premium prices and that was causing the PE ratio to rise. A high PE ratio is a warning sign that investors might be overvaluing a stock based on future earnings.

The three steps every investor should look at:

What is the current PE Ratio?
The current most recent quarter (MRQ) PE Ratio of Evertec Inc is 59.09. This means the investor is paying $59.09 for every $1 in earnings.
How does it compare to the industry?
The mean MRQ Quick Ratio of the Software - Infrastructure industry is .
What is the trend?
The trend is important because it shows you how Evertec Inc is performing over time. The most recent quarter might be important if Evertec Inc released a new product or service. And you can use MRQ to see if they performed better vs last year. You can find all the trends for Evertec Inc up to 10 years back (depending if the company existed 10 years ago) when you exit this learning section.

Things to be aware of

Only compare with other companies in the same industry.
Some industries might have very high or very low PE ratios in general.
PE ratios can be high for several years, it does not mean a sudden collapse is imminent.
Earnings growth is not included in the PE ratio.

How to calculate PE ratio

PE ratio = market value per share \ earnings per share

Real life example Evertec Inc

You need the following data to determine the PE ratio:

Balance sheet
Income statement

The PE ratio is a very commonly used ratio to determine the value of a company by comparing the current stock price relative to its earnings per share (EPS). Before we can calculate the PE ratio we need to know the EPS. EPS is calculated as follows:

EPS = (net profit - preferred dividends) \ end of period outstanding shares*
Net profit = revenue - expenses
0 \ 66,273 = EPS
PE ratio MRQ = 59.09

* The net profit minus preferred dividends can be found in the incomestatement as netIncomeApplicableToCommonShares.

The PE value helps investors to determine if the current stock price is under or overvalued. It also projects future growth.

In general, a higher PE ratio means that investors predict higher future growth. If the PE ratio is too high, then investors expect way too much future growth the company can never fulfil. This is most likely to happen in faster moving companies like tech companies or automobile companies like Tesla. These are hot and booming markets where investors expect much future growth driven by new technology (electric cars). When looking at the current MRQ (most recent quarter) PE ratio of Tesla ( jan. 2021) it's about 247 while the average in the industry is only 6. That might be a clue that Tesla is trading for way too high prices compared to their current assets and is more based on future growth.

2.2. Price To Free Cash Flow Ratio

Let's take a look of the Price To Free Cash Flow Ratio trends of Evertec Inc:

The EOD is 23.209. Based on how much money comes from the company's main activities, the company is underpriced. +1
The MRQ is 25.618. Based on how much money comes from the company's main activities, the company is underpriced. +1
The TTM is 19.730. Based on how much money comes from the company's main activities, the company is underpriced. +1

Trends

Current period		Compared to		+/-
EOD	23.209	MRQ	25.618	-2.409
MRQ	25.618	TTM	19.730	+5.887
TTM	19.730	YOY	21.523	-1.793
TTM	19.730	5Y	29.457	-9.727
5Y	29.457	10Y	21.194	+8.263

2. Book Value per Share

2.3. Price to Book Ratio

Measures if the stock price of Evertec Inc is to cheap or to expensive compared to its book value.

At or below 1 is considered healthy (always compare to Software - Infrastructure industry mean).
A PB ratio of 4.27 means the investor is paying $4.27 for each $1 in book value.

Let's take a look of the Price to Book Ratio trends of Evertec Inc:

The EOD is 3.869. Based on the equity, the company is fair priced.
The MRQ is 4.270. Based on the equity, the company is fair priced.
The TTM is 4.411. Based on the equity, the company is fair priced.

Trends

Current period		Compared to		+/-
EOD	3.869	MRQ	4.270	-0.402
MRQ	4.270	TTM	4.411	-0.141
TTM	4.411	YOY	5.080	-0.668
TTM	4.411	5Y	6.884	-2.473
5Y	6.884	10Y	8.979	-2.095

2. Total Gains per Share

3. Holders & Insider Transactions

Let's take a look at which institutions, funds and insiders are holding shares of Evertec Inc.

3.1. Institutions holding Evertec Inc

Institutions are holding 103.454% of the shares of Evertec Inc.

Date	Name	Total Shares	Total Assets	Current Shares	Change	%
2023-12-31	BlackRock Inc	15.5282	0.0106	10163355	480810	4.9657
2023-12-31	Vanguard Group Inc	11.3875	0.0067	7453242	68871	0.9327
2023-12-31	American Century Companies Inc	6.3054	0.1162	4126933	161976	4.0852
2023-12-31	Kayne Anderson Rudnick Investment Management LLC	5.938	0.3981	3886451	-203470	-4.9749
2023-12-31	Capital Research & Mgmt Co - Division 3	4.7852	0.0288	3131941	1209	0.0386
2023-12-31	State Street Corporation	3.6819	0.0048	2409829	89789	3.8701
2023-12-31	River Road Asset Management, LLC	3.1613	1.1761	2069066	-136015	-6.1683
2023-12-31	Dimensional Fund Advisors, Inc.	2.5485	0.0199	1668011	12575	0.7596
2023-12-31	Geode Capital Management, LLC	2.2758	0.0064	1489555	76197	5.3912
2023-12-31	Loomis, Sayles & Company LP	2.1505	0.0882	1407524	-44526	-3.0664
2023-12-31	FMR Inc	1.9835	0.0041	1298241	408810	45.9631
2023-12-31	Victory Capital Management Inc.	1.9806	0.0558	1296315	1029827	386.444
2023-12-31	Fuller & Thaler Asset Management Inc	1.8965	0.2574	1241262	-1154	-0.0929
2023-12-31	Northern Trust Corp	1.4245	0.0069	932320	-23461	-2.4546
2023-12-31	Sunriver Management LLC	1.2642	5.3072	827458	150935	22.3104
2023-12-31	Renaissance Technologies Corp	1.2142	0.0504	794726	-187000	-19.0481
2023-12-31	Morgan Stanley - Brokerage Accounts	1.1929	0.0028	780735	-103225	-11.6776
2023-12-31	Amvescap Plc.	1.1814	0.0075	773236	486181	169.3686
2023-12-31	NorthStar Asset Management, Inc.	1.1139	1.5269	729043	-7583	-1.0294
2023-12-31	Charles Schwab Investment Management Inc	1.0839	0.0074	709451	21304	3.0959
Total		72.0979	9.0822	47188694	+2282050	+4.8%

3.2. Funds holding Evertec Inc

Date	Name	Total Shares	Total Assets	Current Shares	Change	%
2024-03-28	iShares Core S&P Small-Cap ETF	6.6691	0.2168	4365011	-15554	-0.3551
2023-12-31	American Century Small Cap Value Inv	5.0114	2.2791	3280000	105000	3.3071
2023-12-31	American Century U.S. Small Cap Value	5.0114	2.2829	3280000	105000	3.3071
2023-12-31	American Funds SMALLCAP World A	3.3598	0.1251	2199027	0	0
2024-02-29	Vanguard Total Stock Mkt Idx Inv	3.152	0.0048	2062989	-7452	-0.3599
2024-02-29	Vanguard Small Cap Index	2.5911	0.0436	1695890	15702	0.9345
2024-03-28	iShares Russell 2000 ETF	2.4303	0.0969	1590639	768	0.0483
2023-12-31	FullerThaler Behavioral Small-Cap Equity	1.7813	0.6002	1165876	-4100	-0.3504
2023-12-31	FullerThaler Behavioral Sm-Cp Eq R6	1.7813	0.6003	1165876	-4100	-0.3504
2024-02-29	Vanguard Small Cap Value Index Inv	1.7638	0.0784	1154445	4800	0.4175
2024-02-29	Vanguard Institutional Extnd Mkt Idx Tr	1.5016	0.0348	982801	-3743	-0.3794
2024-02-29	Loomis Sayles Small Cap Growth Instl	1.2137	1.2517	794349	-21373	-2.6201
2023-12-31	Virtus KAR Small-Cap Value I	1.1779	3.9626	770940	-44000	-5.3992
2023-12-31	Victory Small Cap Value CIT (Net 75)	1.1612	0.4424	760000	760000	0
2023-12-31	Victory Sycamore Small Company Opp R	1.1612	0.4433	760000	760000	0
2024-01-31	Fidelity Small Cap Index	1.0091	0.107	660470	10339	1.5903
2023-12-31	Capital Group PCS Global Equity Comp	0.9883	0.2474	646846	0	0
2023-12-31	American Funds Global Insight F-3	0.9883	0.2474	646846	0	0
2024-02-29	Invesco Global Opportunities A	0.9871	0.6548	646073	0	0
2024-03-28	iShares S&P Small-Cap 600 Growth ETF	0.9653	0.4265	631777	0	0
Total		44.7052	14.146	29259855	+1661287	+5.7%

3.3. Insider Transactions

Insiders are holding 0.796% of the shares of Evertec Inc.

Date	Owner	Type	Amount	Price
2024-03-11	Frank G D'angelo	SELL	16000	37.43
2024-03-07	Morgan M Schuessler	SELL	100000	37.19
2023-08-16	Diego Viglianco	SELL	1128	39.79
2023-07-31	Paola Perez-surillo	SELL	3253	39.11
2023-05-19	Joaquin A Castrillo-salgado	SELL	15000	36.18
2023-05-15	Luis A Rodriguez-gonzalez	SELL	6589	35.19
2023-05-01	Morgan M Schuessler	SELL	3539	34.43
2023-04-28	Morgan M Schuessler	SELL	29578	34.61

4. Summary

4.1. Key Performance Indicators

The key performance indicators of Evertec Inc compared to the Most Recent Quarter (MRQ).

	End of day	+/-	Most Recent Quarter	Trailing 12 Months	+/-	Year-Over-Year	+/-	5 Year	+/-	10 Year	+/-
Book Value Change Per Share	-	-	1.433	0.594	+141%	0.192	+646%	0.335	+328%	0.206	+597%
Book Value Per Share	-	-	9.587	8.437	+14%	6.976	+37%	5.691	+68%	3.761	+155%
Current Ratio	-	-	1.856	1.866	-1%	2.495	-26%	2.183	-15%	1.774	+5%
Debt To Asset Ratio	-	-	0.692	0.586	+18%	0.577	+20%	0.650	+6%	0.748	-8%
Debt To Equity Ratio	-	-	2.398	1.526	+57%	1.379	+74%	2.039	+18%	3.962	-39%
Dividend Per Share	-	-	0.050	0.049	+0%	0.050	+0%	0.054	-9%	0.077	-35%
Eps	-	-	0.173	0.303	-43%	0.873	-80%	0.488	-64%	0.366	-53%
Free Cash Flow Per Share	-	-	0.400	0.530	-25%	0.502	-20%	0.502	-20%	0.447	-11%
Free Cash Flow To Equity Per Share	-	-	7.523	2.049	+267%	-0.070	+101%	0.545	+1280%	0.304	+2374%
Gross Profit Margin	-	-	1.000	1.000	0%	1.000	0%	0.997	+0%	0.998	+0%
Intrinsic Value_10Y_max	-	-	17.222	-	-	-	-	-	-	-	-
Intrinsic Value_10Y_min	-	-	-10.095	-	-	-	-	-	-	-	-
Intrinsic Value_1Y_max	-	-	2.061	-	-	-	-	-	-	-	-
Intrinsic Value_1Y_min	-	-	1.321	-	-	-	-	-	-	-	-
Intrinsic Value_3Y_max	-	-	5.937	-	-	-	-	-	-	-	-
Intrinsic Value_3Y_min	-	-	1.972	-	-	-	-	-	-	-	-
Intrinsic Value_5Y_max	-	-	9.505	-	-	-	-	-	-	-	-
Intrinsic Value_5Y_min	-	-	0.430	-	-	-	-	-	-	-	-
Market Cap	2388929810.000	-14%	2713225381.160	2446481425.658	+11%	2469011829.528	+10%	2544482278.842	+7%	2010152947.750	+35%
Net Profit Margin	-	-	0.059	0.118	-50%	0.398	-85%	0.241	-75%	0.214	-72%
Operating Margin	-	-	0.112	0.217	-48%	0.253	-56%	0.281	-60%	0.276	-59%
Operating Ratio	-	-	0.888	0.800	+11%	0.747	+19%	0.728	+22%	0.733	+21%
Pb Ratio	3.869	-10%	4.270	4.411	-3%	5.080	-16%	6.884	-38%	8.979	-52%
Pe Ratio	53.534	-10%	59.091	39.964	+48%	15.336	+285%	24.206	+144%	23.387	+153%
Price Per Share	37.090	-10%	40.940	37.175	+10%	35.385	+16%	35.872	+14%	27.663	+48%
Price To Free Cash Flow Ratio	23.209	-10%	25.618	19.730	+30%	21.523	+19%	29.457	-13%	21.194	+21%
Price To Total Gains Ratio	25.009	-10%	27.604	-752.097	+2825%	38.750	-29%	-128.991	+567%	-21.576	+178%
Quick Ratio	-	-	1.529	27.543	-94%	2.065	-26%	6.994	-78%	4.069	-62%
Return On Assets	-	-	0.006	0.016	-65%	0.053	-89%	0.032	-82%	0.026	-79%
Return On Equity	-	-	0.019	0.038	-48%	0.128	-85%	0.092	-79%	0.119	-84%
Total Gains Per Share	-	-	1.483	0.643	+131%	0.242	+513%	0.389	+281%	0.283	+425%
Usd Book Value	-	-	635376000.000	555252000.000	+14%	484438000.000	+31%	398573750.000	+59%	268286500.000	+137%
Usd Book Value Change Per Share	-	-	1.433	0.594	+141%	0.192	+646%	0.335	+328%	0.206	+597%
Usd Book Value Per Share	-	-	9.587	8.437	+14%	6.976	+37%	5.691	+68%	3.761	+155%
Usd Dividend Per Share	-	-	0.050	0.049	+0%	0.050	+0%	0.054	-9%	0.077	-35%
Usd Eps	-	-	0.173	0.303	-43%	0.873	-80%	0.488	-64%	0.366	-53%
Usd Free Cash Flow	-	-	26478000.000	34828500.000	-24%	35207750.000	-25%	35609150.000	-26%	32608875.000	-19%
Usd Free Cash Flow Per Share	-	-	0.400	0.530	-25%	0.502	-20%	0.502	-20%	0.447	-11%
Usd Free Cash Flow To Equity Per Share	-	-	7.523	2.049	+267%	-0.070	+101%	0.545	+1280%	0.304	+2374%
Usd Market Cap	2388929810.000	-14%	2713225381.160	2446481425.658	+11%	2469011829.528	+10%	2544482278.842	+7%	2010152947.750	+35%
Usd Price Per Share	37.090	-10%	40.940	37.175	+10%	35.385	+16%	35.872	+14%	27.663	+48%
Usd Profit	-	-	11479000.000	19930500.000	-42%	59752250.000	-81%	34388300.000	-67%	26493300.000	-57%
Usd Revenue	-	-	194621000.000	173677250.000	+12%	154602250.000	+26%	145043800.000	+34%	122152675.000	+59%
Usd Total Gains Per Share	-	-	1.483	0.643	+131%	0.242	+513%	0.389	+281%	0.283	+425%
	EOD	+4 -4	MRQ	TTM	+17 -18	YOY	+16 -19	5Y	+17 -19	10Y	+19 -17

4.2. Fundamental Score

Let's check the fundamental score of Evertec Inc based on Penke's default stock scanner.

Penke's Stock Scanner

Indicator	Condition		Value
Price to Earnings Ratio (EOD)	Between	0-15	53.534
Price to Book Ratio (EOD)	Between	0-1	3.869
Net Profit Margin (MRQ)	Greater than	0	0.059
Operating Margin (MRQ)	Greater than	0	0.112
Quick Ratio (MRQ)	Greater than	1	1.529
Current Ratio (MRQ)	Greater than	1	1.856
Debt to Asset Ratio (MRQ)	Less than	1	0.692
Debt to Equity Ratio (MRQ)	Less than	1	2.398
Return on Equity (MRQ)	Greater than	0.15	0.019
Return on Assets (MRQ)	Greater than	0.05	0.006
Total			5/10 (50.0%)

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4.3. Technical Score

Let's check the technical score of Evertec Inc based on Penke's default Symbol scanner.

Penke's Symbol Scanner

Indicator	Condition		Value
Rsi	Greater than	50	41.559
Ma 20	Greater than	Ma 50	38.269
Ma 50	Greater than	Ma 100	38.894
Ma 100	Greater than	Ma 200	39.189
Open	Greater than	Close	37.250
Total			2/5 (40.0%)

Create your own Symbol Scanner

Trading is personal. The best traders buy and sell based on their own technical analysis. Create your personal Symbol Scanner with the technical indicators that are important to you.
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Latest Balance Sheet

Balance Sheet of 2023-12-31. Currency in USD. All numbers in thousands.

Summary

Total Assets	2,060,263
Total Liabilities	1,424,887
Total Stockholder Equity	594,293

	As reported
Total Liabilities	1,424,887
Total Stockholder Equity	+ 594,293
Total Assets	= 2,060,263

Assets

Total Assets	2,060,263
Total Current Assets	553,607
Long-term Assets	1,506,656

Total Current Assets

Total Current Assets (as reported)	553,607
Cash And Cash Equivalents	318,673
Net Receivables	137,596
Other Current Assets	97,338
Total Current Assets (calculated)	553,607
+/-	0

Long-term Assets

Long-term Assets (as reported)	1,506,656
Property Plant Equipment	77,249
Goodwill	791,700
Long Term Investments	32,653
Intangible Assets	518,070
Long-term Assets Other	34,752
Long-term Assets (calculated)	1,454,424
+/-	52,232

Liabilities & Shareholders' Equity

Total Current Liabilities	298,313
Long-term Liabilities	1,126,574
Total Stockholder Equity	594,293

Total Current Liabilities

Total Current Liabilities (as reported)	298,313
Short-term Debt	30,560
Short Long Term Debt	23,867
Accounts payable	66,516
Other Current Liabilities	180,182
Total Current Liabilities (calculated)	301,125
+/-	2,812

Long-term Liabilities

Long-term Liabilities (as reported)	1,126,574
Long term Debt	946,816
Capital Lease Obligations	15,726
Long-term Liabilities Other	40,984
Long-term Liabilities (calculated)	1,003,526
+/-	123,048

Total Stockholder Equity

Total Stockholder Equity (as reported)	594,293
Common Stock	654
Retained Earnings	538,903
Accumulated Other Comprehensive Income	18,209
Other Stockholders Equity	36,527
Total Stockholder Equity (calculated)	594,293
+/-	0

Other

Capital Stock	654
Cash and Short Term Investments	318,673
Common Stock Shares Outstanding	66,273
Current Deferred Revenue	21,055
Liabilities and Stockholders Equity	2,060,263
Net Debt	667,736
Net Invested Capital	1,564,976
Net Working Capital	263,041
Property Plant and Equipment Gross	221,366
Short Long Term Debt Total	986,409

Balance Sheet

Currency in USD. All numbers in thousands.

Trend

2023-12-31

2023-09-30

2023-06-30

2023-03-31

2022-12-31

2022-09-30

2022-06-30

2022-03-31

2021-12-31

2021-09-30

2021-06-30

2021-03-31

2020-12-31

2020-09-30

2020-06-30

2020-03-31

2019-12-31

2019-09-30

2019-06-30

2019-03-31

2018-12-31

2018-09-30

2018-06-30

2018-03-31

2017-12-31

2017-09-30

2017-06-30

2017-03-31

2016-12-31

2016-09-30

2016-06-30

2016-03-31

2015-12-31

2015-09-30

2015-06-30

2015-03-31

2014-12-31

2014-09-30

2014-06-30

2014-03-31

2013-12-31

2013-09-30

2013-06-30

2013-03-31

2012-12-31

2012-09-30

2012-06-30

2012-03-31

2011-12-31

2010-12-31

> Total Assets

1,092,179
1,046,860
0
0
0
977,745
973,879
947,281
935,479
919,353
905,883
899,883
890,440
890,235
885,979
880,291
882,897
870,102
880,631
864,452
867,041
885,662
882,562
914,627
904,967
902,788
916,829
904,169
928,598
927,292
968,776
950,493
980,066
1,011,676
979,218
1,011,737
1,028,074
1,072,579
1,040,649
1,070,784
1,108,493
1,144,756
1,161,569
1,169,341
1,120,968
1,131,743
1,137,193
1,171,633
1,221,460
2,060,263

2,060,263

1,221,460

1,171,633

1,137,193

1,131,743

1,120,968

1,169,341

1,161,569

1,144,756

1,108,493

1,070,784

1,040,649

1,072,579

1,028,074

1,011,737

979,218

1,011,676

980,066

950,493

968,776

927,292

928,598

904,169

916,829

902,788

904,967

914,627

882,562

885,662

867,041

864,452

880,631

870,102

882,897

880,291

885,979

890,235

890,440

899,883

905,883

919,353

935,479

947,281

973,879

977,745

1,046,860

1,092,179

> Total Current Assets

0
0
0
0
0
129,973
137,381
126,855
124,488
116,413
123,634
129,163
129,579
134,606
142,657
140,191
150,034
134,723
145,253
137,469
143,344
158,265
163,320
204,658
159,529
168,706
184,366
182,300
216,532
216,193
217,259
206,239
244,534
276,018
260,313
303,011
318,883
359,046
319,732
355,540
403,074
436,350
473,577
489,793
396,961
389,129
368,497
393,888
402,351
553,607

553,607

402,351

393,888

368,497

389,129

396,961

489,793

473,577

436,350

403,074

355,540

319,732

359,046

318,883

303,011

260,313

276,018

244,534

206,239

217,259

216,193

216,532

182,300

184,366

168,706

159,529

204,658

163,320

158,265

143,344

137,469

145,253

134,723

150,034

140,191

142,657

134,606

129,579

129,163

123,634

116,413

124,488

126,855

137,381

129,973

Cash And Cash Equivalents

55,199
56,200
0
0
0
25,634
34,128
19,587
27,960
22,485
27,242
27,831
29,226
32,114
32,430
38,837
40,401
28,747
28,747
35,728
44,985
51,920
52,074
93,060
48,440
50,423
53,471
59,333
91,310
69,973
73,183
64,025
102,535
111,030
103,521
146,920
144,147
202,649
156,363
199,891
244,129
266,351
283,610
288,064
224,971
197,229
173,662
191,620
177,821
318,673

318,673

177,821

191,620

173,662

197,229

224,971

288,064

283,610

266,351

244,129

199,891

156,363

202,649

144,147

146,920

103,521

111,030

102,535

64,025

73,183

69,973

91,310

59,333

53,471

50,423

48,440

93,060

52,074

51,920

44,985

35,728

28,747

40,401

38,837

32,430

32,114

29,226

27,831

27,242

22,485

27,960

19,587

34,128

25,634

56,200

55,199

Short-term Investments

6,100
5,288
0
0
0
4,939
4,827
4,983
5,096
5,433
5,247
5,195
6,126
5,718
6,924
6,262
13,547
11,818
8,562
7,601
8,281
8,112
8,254
8,196
10,352
9,944
10,540
11,076
12,686
0
0
0
0
0
0
0
12,417
12,835
2,968
3,059
3,060
-107
-54
0
0
0
0
0
25,943,918
0

25,943,918

-54

-107

3,060

3,059

2,968

12,835

12,417

12,686

11,076

10,540

9,944

10,352

8,196

8,254

8,112

8,281

7,601

8,562

11,818

13,547

6,262

6,924

5,718

6,126

5,195

5,247

5,433

5,096

4,983

4,827

4,939

5,288

6,100

Net Receivables

0
0
0
0
0
80,825
74,747
77,662
69,249
68,434
68,403
71,479
68,969
76,912
78,745
71,091
68,429
74,466
79,339
72,164
67,453
77,803
76,655
76,902
75,959
83,328
90,037
82,447
82,865
100,323
96,307
93,735
92,195
106,812
95,305
91,744
111,852
95,727
99,737
93,878
95,548
113,285
105,132
107,685
112,293
131,080
127,876
109,421
115,779
137,596

137,596

115,779

109,421

127,876

131,080

112,293

107,685

105,132

113,285

95,548

93,878

99,737

95,727

111,852

91,744

95,305

106,812

92,195

93,735

96,307

100,323

82,865

82,447

90,037

83,328

75,959

76,902

76,655

77,803

67,453

72,164

79,339

74,466

68,429

71,091

78,745

76,912

68,969

71,479

68,403

68,434

69,249

77,662

74,747

80,825

Inventory

0
0
0
0
0
12,396
0
0
0
14,107
0
0
0
12,883
0
0
0
0
25,582
0
0
17,341
0
0
0
21,463
0
0
0
29,023
0
0
0
39,207
0
0
0
43,671
0
0
0
37,958
0
0
0
18,428
19,015
19,485
20,607
0

20,607

19,485

19,015

18,428

37,958

43,671

39,207

29,023

21,463

17,341

25,582

12,883

14,107

12,396

> Long-term Assets

0
0
0
0
0
847,772
836,498
820,426
810,991
802,940
782,249
770,720
760,861
755,629
743,322
740,100
732,863
735,379
735,378
726,983
723,697
727,397
719,242
709,969
745,438
734,082
732,463
721,869
712,066
711,099
751,517
744,254
735,532
735,658
718,905
708,726
709,191
713,533
720,917
715,244
705,419
708,406
687,992
679,548
724,007
742,614
768,696
777,745
819,109
1,506,656

1,506,656

819,109

777,745

768,696

742,614

724,007

679,548

687,992

708,406

705,419

715,244

720,917

713,533

709,191

708,726

718,905

735,658

735,532

744,254

751,517

711,099

712,066

721,869

732,463

734,082

745,438

709,969

719,242

727,397

723,697

726,983

735,378

735,379

732,863

740,100

743,322

755,629

760,861

770,720

782,249

802,940

810,991

820,426

836,498

847,772

Property Plant Equipment

43,689
36,685
0
0
0
36,737
35,088
33,031
31,992
33,240
30,494
29,371
29,482
29,535
28,080
31,627
33,281
34,128
34,128
35,358
37,697
38,930
37,218
36,095
36,520
37,924
38,515
38,336
36,655
36,763
80,521
76,907
74,099
73,770
70,340
68,493
70,079
71,076
67,750
65,566
65,405
69,762
71,071
67,452
67,727
72,305
72,485
71,796
69,480
77,249

77,249

69,480

71,796

72,485

72,305

67,727

67,452

71,071

69,762

65,405

65,566

67,750

71,076

70,079

68,493

70,340

73,770

74,099

76,907

80,521

36,763

36,655

38,336

38,515

37,924

36,520

36,095

37,218

38,930

37,697

35,358

34,128

33,281

31,627

28,080

29,535

29,482

29,371

30,494

33,240

31,992

33,031

35,088

36,737

36,685

43,689

Goodwill

372,584
371,712
0
0
0
372,307
373,718
373,298
373,223
373,119
369,101
369,203
369,304
368,837
369,171
368,911
368,543
368,133
368,133
372,001
371,385
370,986
371,986
371,204
402,103
398,575
399,861
397,221
396,035
394,644
395,723
396,275
395,848
399,487
394,498
395,625
395,048
397,670
396,298
396,603
394,536
393,318
389,027
385,536
417,819
423,392
434,340
438,256
434,496
791,700

791,700

434,496

438,256

434,340

423,392

417,819

385,536

389,027

393,318

394,536

396,603

396,298

397,670

395,048

395,625

394,498

399,487

395,848

396,275

395,723

394,644

396,035

397,221

399,861

398,575

402,103

371,204

371,986

370,986

371,385

372,001

368,133

368,543

368,911

369,171

368,837

369,304

369,203

369,101

373,119

373,223

373,298

373,718

372,307

371,712

372,584

Long Term Investments

0
0
0
0
0
0
11,389
10,751
10,827
10,639
10,895
11,287
11,492
11,756
11,903
12,251
12,281
12,264
12,160
12,193
12,247
12,252
12,491
12,646
12,832
13,073
13,369
13,335
12,039
12,149
12,337
11,975
12,257
12,288
12,568
12,355
12,417
12,835
15,835
16,457
14,308
12,054
17,370
17,517
23,339
22,101
21,471
19,311
48,082
32,653

32,653

48,082

19,311

21,471

22,101

23,339

17,517

17,370

12,054

14,308

16,457

15,835

12,835

12,417

12,355

12,568

12,288

12,257

11,975

12,337

12,149

12,039

13,335

13,369

13,073

12,832

12,646

12,491

12,252

12,247

12,193

12,160

12,264

12,281

12,251

11,903

11,756

11,492

11,287

10,895

10,639

10,827

10,751

11,389

Intangible Assets

0
820,626
0
0
0
403,170
392,269
384,375
375,292
367,780
355,801
347,114
338,248
334,584
323,941
317,431
309,680
312,059
312,059
302,356
297,870
299,119
291,219
284,316
289,095
279,961
273,536
266,253
260,744
259,269
252,592
249,667
244,672
241,937
229,787
224,605
222,085
219,909
229,972
224,685
219,615
213,288
191,164
208,439
196,316
200,320
213,706
213,779
220,240
518,070

518,070

220,240

213,779

213,706

200,320

196,316

208,439

191,164

213,288

219,615

224,685

229,972

219,909

222,085

224,605

229,787

241,937

244,672

249,667

252,592

259,269

260,744

266,253

273,536

279,961

289,095

284,316

291,219

299,119

297,870

302,356

312,059

309,680

317,431

323,941

334,584

338,248

347,114

355,801

367,780

375,292

384,375

392,269

403,170

820,626

Long-term Assets Other

0
0
0
0
0
24,478
21,177
18,971
19,274
18,162
12,135
10,933
8,957
10,917
7,328
7,557
2,157
8,795
8,794
4,544
3,883
5,305
5,332
4,720
3,757
4,549
7,182
5,653
5,500
6,357
7,195
6,751
5,856
5,323
7,897
4,281
5,511
6,012
5,136
6,149
6,384
9,926
12,193
-6,453
20,448
24,018
22,357
26,339
28,531
34,752

34,752

28,531

26,339

22,357

24,018

20,448

-6,453

12,193

9,926

6,384

6,149

5,136

6,012

5,511

4,281

7,897

5,323

5,856

6,751

7,195

6,357

5,500

5,653

7,182

4,549

3,757

4,720

5,332

5,305

3,883

4,544

8,794

8,795

2,157

7,557

7,328

10,917

8,957

10,933

12,135

18,162

19,274

18,971

21,177

24,478

Deferred Long Term Asset Charges

0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
531
615
805
996
988
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0

988

996

805

615

531

> Total Liabilities

0
680,684
0
0
0
855,290
843,267
780,604
761,024
808,023
791,316
773,754
751,580
770,662
763,594
743,975
764,644
771,888
768,459
757,006
761,394
777,487
757,192
780,612
767,286
754,812
737,544
706,806
713,646
711,686
752,278
721,693
730,810
740,053
716,534
732,769
717,866
730,150
684,642
672,740
680,563
674,488
666,421
656,740
665,713
656,995
626,052
633,491
685,111
1,424,887

1,424,887

685,111

633,491

626,052

656,995

665,713

656,740

666,421

674,488

680,563

672,740

684,642

730,150

717,866

732,769

716,534

740,053

730,810

721,693

752,278

711,686

713,646

706,806

737,544

754,812

767,286

780,612

757,192

777,487

761,394

757,006

768,459

771,888

764,644

743,975

763,594

770,662

751,580

773,754

791,316

808,023

761,024

780,604

843,267

855,290

680,684

> Total Current Liabilities

78,830
64,971
0
0
0
96,895
79,891
88,707
73,517
121,798
109,095
96,175
78,932
104,511
98,281
83,334
105,954
102,501
117,923
105,593
118,246
129,163
116,229
168,314
159,080
147,216
136,204
111,728
125,463
136,705
148,053
114,524
128,337
144,314
128,200
151,487
137,558
152,992
136,580
136,905
152,800
152,884
160,513
166,313
178,915
208,410
183,233
198,930
248,737
298,313

298,313

248,737

198,930

183,233

208,410

178,915

166,313

160,513

152,884

152,800

136,905

136,580

152,992

137,558

151,487

128,200

144,314

128,337

114,524

148,053

136,705

125,463

111,728

136,204

147,216

159,080

168,314

116,229

129,163

118,246

105,593

117,923

102,501

105,954

83,334

98,281

104,511

78,932

96,175

109,095

121,798

73,517

88,707

79,891

96,895

64,971

78,830

Short-term Debt

0
0
0
0
0
33,047
8,663
27,663
25,132
70,200
59,600
42,000
27,000
42,000
39,000
23,000
38,875
22,750
39,750
46,500
44,375
47,789
46,977
94,344
79,415
58,487
46,558
21,820
23,191
14,250
38,708
20,544
19,954
20,023
19,990
35,056
20,127
20,080
21,116
22,444
24,275
25,330
27,244
28,421
34,820
46,686
26,546
26,939
32,729
30,560

30,560

32,729

26,939

26,546

46,686

34,820

28,421

27,244

25,330

24,275

22,444

21,116

20,080

20,127

35,056

19,990

20,023

19,954

20,544

38,708

14,250

23,191

21,820

46,558

58,487

79,415

94,344

46,977

47,789

44,375

46,500

39,750

22,750

38,875

23,000

39,000

42,000

27,000

42,000

59,600

70,200

25,132

27,663

8,663

33,047

Short Long Term Debt

0
0
0
0
0
0
0
0
0
0
0
0
0
19,000
0
0
0
22,750
39,625
46,500
44,375
19,789
46,977
661,357
46,415
46,487
46,558
21,820
23,191
14,250
29,250
14,250
14,250
14,250
14,250
29,250
14,250
14,250
15,625
16,999
18,375
19,750
21,125
22,500
28,813
40,750
20,750
20,750
26,750
23,867

23,867

26,750

20,750

40,750

28,813

22,500

21,125

19,750

18,375

16,999

15,625

14,250

29,250

14,250

29,250

14,250

23,191

21,820

46,558

46,487

46,415

661,357

46,977

19,789

44,375

46,500

39,625

22,750

19,000

Accounts payable

17,707
21,786
0
0
0
24,482
22,817
25,589
14,912
18,630
12,107
14,256
14,748
22,879
19,396
19,133
22,417
59,874
26,839
18,122
27,169
40,845
27,155
31,697
27,845
41,135
40,670
34,561
37,397
47,272
45,995
34,920
24,966
39,165
28,230
28,698
36,057
43,348
26,998
27,818
34,069
28,484
30,470
34,439
33,489
46,751
47,647
50,147
52,403
66,516

66,516

52,403

50,147

47,647

46,751

33,489

34,439

30,470

28,484

34,069

27,818

26,998

43,348

36,057

28,698

28,230

39,165

24,966

34,920

45,995

47,272

37,397

34,561

40,670

41,135

27,845

31,697

27,155

40,845

27,169

18,122

26,839

59,874

22,417

19,133

19,396

22,879

14,748

14,256

12,107

18,630

14,912

25,589

22,817

24,482

21,786

17,707

Other Current Liabilities

55,134
39,802
0
0
48,084
38,200
46,468
32,553
29,682
27,373
30,175
31,421
28,318
29,807
28,767
29,467
32,979
2,877
38,658
37,268
40,298
35,998
36,035
36,890
45,254
39,857
39,455
45,714
50,858
63,656
51,194
47,820
68,821
64,458
61,842
65,630
61,574
64,606
63,147
62,874
73,152
81,672
81,439
82,050
93,555
99,747
89,303
104,023
149,177
180,182

180,182

149,177

104,023

89,303

99,747

93,555

82,050

81,439

81,672

73,152

62,874

63,147

64,606

61,574

65,630

61,842

64,458

68,821

47,820

51,194

63,656

50,858

45,714

39,455

39,857

45,254

36,890

36,035

35,998

40,298

37,268

38,658

2,877

32,979

29,467

28,767

29,807

28,318

31,421

30,175

27,373

29,682

32,553

46,468

38,200

48,084

39,802

55,134

> Long-term Liabilities

0
0
0
0
0
758,395
763,376
691,897
687,507
686,225
682,221
677,579
672,648
666,151
665,313
660,641
658,690
669,387
650,536
651,413
643,148
648,324
640,963
612,298
608,206
607,596
601,340
595,078
588,183
574,981
604,225
607,169
602,473
595,739
588,334
581,282
580,308
577,158
548,062
535,835
527,763
521,604
505,908
490,427
486,798
448,585
442,819
434,561
436,374
1,126,574

1,126,574

436,374

434,561

442,819

448,585

486,798

490,427

505,908

521,604

527,763

535,835

548,062

577,158

580,308

581,282

588,334

595,739

602,473

607,169

604,225

574,981

588,183

595,078

601,340

607,596

608,206

612,298

640,963

648,324

643,148

651,413

650,536

669,387

658,690

660,641

665,313

666,151

672,648

677,579

682,221

686,225

687,507

691,897

763,376

758,395

Long term Debt Total

0
0
0
0
0
0
734,718
674,738
670,209
665,680
661,153
656,626
652,102
647,579
643,053
638,530
632,137
625,745
613,376
604,676
597,155
599,667
595,631
565,425
561,898
557,251
553,140
547,551
541,949
524,056
520,771
517,491
514,217
510,947
490,844
487,572
511,676
481,041
479,750
473,853
467,539
458,177
441,602
432,723
426,691
389,498
384,550
379,602
0
0

379,602

384,550

389,498

426,691

432,723

441,602

458,177

467,539

473,853

479,750

481,041

511,676

487,572

490,844

510,947

514,217

517,491

520,771

524,056

541,949

547,551

553,140

557,251

561,898

565,425

595,631

599,667

597,155

604,676

613,376

625,745

632,137

638,530

643,053

647,579

652,102

656,626

661,153

665,680

670,209

674,738

734,718

Capital Lease Obligations Min Short Term Debt

0
0
0
0
0
-33,047
-8,663
-27,663
-25,132
-70,200
-59,600
-42,000
-27,000
-42,000
-39,000
-23,000
-38,875
-22,750
-39,750
-46,500
-44,375
-47,789
-46,977
-94,344
-79,415
-58,487
-46,558
-21,820
-23,191
-14,250
-3,775
12,793
11,436
10,429
8,619
-7,362
7,130
8,152
5,259
2,582
-864
-3,294
-4,465
-7,560
-15,493
-29,962
-10,158
-12,171
-19,705
-14,834

-14,834

-19,705

-12,171

-10,158

-29,962

-15,493

-7,560

-4,465

-3,294

-864

2,582

5,259

8,152

7,130

-7,362

8,619

10,429

11,436

12,793

-3,775

-14,250

-23,191

-21,820

-46,558

-58,487

-79,415

-94,344

-46,977

-47,789

-44,375

-46,500

-39,750

-22,750

-38,875

-23,000

-39,000

-42,000

-27,000

-42,000

-59,600

-70,200

-25,132

-27,663

-8,663

-33,047

Deferred Long Term Asset Charges

0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
531
615
805
996
988
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0

988

996

805

615

531

Long-term Liabilities Other

0
0
0
0
0
0
3,040
633
333
333
301
251
238
2,898
2,552
2,856
2,695
12,089
14,873
16,632
15,393
16,376
11,765
11,918
11,369
13,039
11,472
10,502
34,725
40,975
74,413
82,282
83,691
80,531
94,533
91,141
66,057
93,369
66,161
9,690
9,785
61,058
61,959
55,562
52,109
48,976
48,107
3,628
9,783
40,984

40,984

9,783

3,628

48,107

48,976

52,109

55,562

61,959

61,058

9,785

9,690

66,161

93,369

66,057

91,141

94,533

80,531

83,691

82,282

74,413

40,975

34,725

10,502

11,472

13,039

11,369

11,918

11,765

16,376

15,393

16,632

14,873

12,089

2,695

2,856

2,552

2,898

238

251

301

333

633

3,040

Deferred Long Term Liability

0
0
0
0
0
0
25,618
16,526
16,965
20,212
20,767
20,702
20,308
15,674
19,708
19,255
23,858
31,553
31,652
30,105
30,600
32,281
33,567
34,955
34,939
37,306
36,728
37,025
11,509
9,950
9,041
7,396
4,565
4,261
2,957
2,569
2,575
2,748
2,151
2,018
1,819
2,369
2,347
2,142
7,998
10,111
10,162
9,407
0
0

9,407

10,162

10,111

7,998

2,142

2,347

2,369

1,819

2,018

2,151

2,748

2,575

2,569

2,957

4,261

4,565

7,396

9,041

9,950

11,509

37,025

36,728

37,306

34,939

34,955

33,567

32,281

30,600

30,105

31,652

31,553

23,858

19,255

19,708

15,674

20,308

20,702

20,767

20,212

16,965

16,526

25,618

> Total Stockholder Equity

0
366,176
0
0
0
122,455
130,612
166,677
174,455
111,330
114,567
126,129
138,860
119,573
122,385
136,316
118,253
98,214
112,172
104,019
102,189
104,676
121,762
130,282
133,908
144,112
175,345
193,342
210,853
211,459
212,261
224,484
245,201
267,187
259,037
274,885
306,137
337,741
351,599
393,767
423,794
466,212
490,876
508,746
451,809
471,511
507,768
534,535
532,411
594,293

594,293

532,411

534,535

507,768

471,511

451,809

508,746

490,876

466,212

423,794

393,767

351,599

337,741

306,137

274,885

259,037

267,187

245,201

224,484

212,261

211,459

210,853

193,342

175,345

144,112

133,908

130,282

121,762

104,676

102,189

104,019

112,172

98,214

118,253

136,316

122,385

119,573

138,860

126,129

114,567

111,330

174,455

166,677

130,612

122,455

366,176

Retained Earnings

0
2,320
0
0
0
70,414
75,886
10,951
17,562
29,403
39,770
49,701
60,924
65,576
76,841
89,347
95,038
95,328
109,286
116,986
116,123
116,341
133,455
144,175
143,038
148,887
172,777
192,819
212,180
228,742
237,418
253,361
274,518
296,476
308,491
320,382
351,252
379,934
397,556
436,817
468,533
506,051
526,370
545,814
480,740
487,349
507,563
529,364
530,714
538,903

538,903

530,714

529,364

507,563

487,349

480,740

545,814

526,370

506,051

468,533

436,817

397,556

379,934

351,252

320,382

308,491

296,476

274,518

253,361

237,418

228,742

212,180

192,819

172,777

148,887

143,038

144,175

133,455

116,341

116,123

116,986

109,286

95,328

95,038

89,347

76,841

65,576

60,924

49,701

39,770

29,403

17,562

10,951

75,886

70,414

2,320

Accumulated Other Comprehensive Income

0
0
0
0
0
-842
1,512
1,118
908
426
-7,319
-6,525
-6,147
-6,522
-5,633
-5,720
-6,049
-8,000
-7,582
-13,708
-14,666
-12,391
-12,418
-14,616
-12,152
-10,848
-6,938
-10,858
-14,964
-23,789
-25,879
-29,596
-33,094
-30,009
-50,173
-49,784
-52,386
-48,254
-46,678
-43,769
-49,166
-48,123
-36,211
-39,452
-29,586
-16,486
-446
4,523
-3,352
18,209

18,209

-3,352

4,523

-446

-16,486

-29,586

-39,452

-36,211

-48,123

-49,166

-43,769

-46,678

-48,254

-52,386

-49,784

-50,173

-30,009

-33,094

-29,596

-25,879

-23,789

-14,964

-10,858

-6,938

-10,848

-12,152

-14,616

-12,418

-12,391

-14,666

-13,708

-7,582

-8,000

-6,049

-5,720

-5,633

-6,522

-6,147

-6,525

-7,319

426

908

1,118

1,512

-842

Capital Surplus

0
0
0
0
0
0
52,486
153,789
155,166
80,718
81,332
82,167
83,296
59,740
50,403
51,914
28,502
9,718
8,674
0
0
0
0
0
2,299
5,350
8,782
10,654
12,910
5,783
0
0
3,058
0
0
3,568
6,552
5,340
0
0
3,708
7,565
0
1,671
0
0
0
0
0
0

1,671

7,565

3,708

5,340

6,552

3,568

3,058

5,783

12,910

10,654

8,782

5,350

2,299

8,674

9,718

28,502

51,914

50,403

59,740

83,296

82,167

81,332

80,718

155,166

153,789

52,486

Treasury Stock

-109,659

Balance Sheet

Currency in USD. All numbers in thousands.

	2023-12-31	2022-12-31	2021-12-31	2020-12-31	2019-12-31	2018-12-31	2017-12-31	2016-12-31	2015-12-31	2014-12-31	2013-12-31	2012-12-31	2011-12-31
Accounts Payable	66,516	46,751	28,484	43,348	39,165	47,272	41,135	40,845	26,839	22,879	18,630	24,482	21,786
Accumulated Amortization	0	0	0	0	0	0	0	0	0	0	0	0	0
Accumulated Depreciation	0	0	0	0	0	0	0	0	0	0	0	0	0
Accumulated Other Comprehensive Income	18,209	-16,486	-48,123	-48,254	-30,009	-23,789	-10,848	-12,391	-7,582	-6,522	426	-842	-1,318
Additional Paid In Capital	0	0	0	0	0	0	5,350	0	0	0	0	0	0
Capital Lease Obligations	15,726	16,724	22,036	28,232	30,452	0	0	0	0	0	0	0	0
Capital Stock	654	648	719	721	720	723	0	0	0	0	0	0	0
Capital Surpluse	0	0	7,565	5,340	0	5,783	5,350	0	9,718	0	0	0	0
Cash	318,673	197,229	266,351	202,649	111,030	69,973	50,423	51,920	28,747	32,114	22,485	25,634	56,200
Cash And Equivalents	0	0	0	0	0	0	0	0	0	0	0	0	0
Cash And Short Term Investments	318,673	197,229	266,351	202,649	111,030	69,973	50,423	51,920	28,747	32,114	22,485	25,634	56,200
Common Stock	654	648	719	721	720	723	723	726	750	779	783	728	726
Common Stock Shares Outstanding	65,814	69,313	72,871	73,051	73,476	74,420	72,872	74,473	77,181	78,891	78,914	76,879	76,879
Common Stock Total Equity	0	648	719	721	720	723	723	726	750	779	783	728	726
Current Deferred Revenue	21,055	15,226	17,398	24,958	20,668	11,527	7,737	4,531	12,676	9,825	5,595	1,166	900
Deferred Long Term Asset Charges	0	0	0	0	0	0	0	805	0	0	0	0	0
Deferred Long Term Liab	0	10,111	2,369	2,748	4,261	9,950	37,306	32,281	31,553	9,318	0	0	0
Earning Assets	0	0	0	0	0	0	0	0	0	0	0	0	0
Good Will	791,700	423,392	393,318	397,670	399,487	394,644	398,575	370,986	368,133	368,837	373,119	372,307	371,712
Intangible Assets	518,070	200,320	213,288	219,909	241,937	259,269	279,961	299,119	312,059	334,584	367,780	403,170	448,914
Inventory	0	18,428	37,958	43,671	39,207	29,023	21,463	17,341	25,582	12,883	14,107	12,396	23,961
Liabilities And Stockholders Equity	2,060,263	1,131,743	1,144,756	1,072,579	1,011,676	927,292	902,788	885,662	880,631	890,235	919,353	977,745	1,046,860
Long Term Debt	946,816	389,498	458,177	481,041	510,947	524,056	557,251	599,667	625,745	647,579	665,680	730,709	523,833
Long Term Debt Total	0	389,498	458,177	481,041	510,947	524,056	557,251	599,667	625,745	0	0	0	0
Long Term Investments	32,653	22,101	12,054	12,835	12,288	12,149	13,073	12,252	12,264	11,756	0	0	0
Negative Goodwill	0	0	0	0	0	0	0	0	0	0	0	0	0
Net Debt	667,736	249,743	220,220	320,874	444,619	468,333	565,315	595,536	636,748	657,465	713,395	738,122	467,633
Net Invested Capital	1,564,976	901,759	930,747	833,032	792,384	749,765	759,850	0	0	0	0	0	0
Net Receivables	137,596	131,080	113,285	95,727	106,812	100,323	83,328	77,803	79,339	76,912	68,434	80,825	63,473
Net Tangible Assets	0	-152,201	-140,394	-279,838	-374,237	-442,454	-534,424	-565,429	-581,978	-610,225	0	0	0
Net Working Capital	263,041	180,719	283,466	206,054	131,704	79,488	21,490	29,102	27,330	30,095	-5,385	33,078	87,267
Non Current Assets Total	1,506,656	742,614	708,406	713,533	735,658	711,099	734,082	727,397	735,378	755,629	802,940	847,772	894,622
Non Current Liabilities Other	40,984	48,976	61,058	93,369	80,531	40,975	13,039	16,376	12,089	0	0	0	0
Non Current Liabilities Total	1,126,574	448,585	521,604	577,158	595,739	574,981	607,596	648,324	650,536	666,151	686,225	758,395	615,713
Non Currrent Assets Other	34,752	24,018	9,926	6,012	5,323	6,357	4,549	5,305	7,109	10,518	15,625	24,478	22,894
Noncontrolling Interest In Consolidated Entity	0	3,237	4,056	4,688	4,436	4,147	3,864	3,499	0	0	0	0	0
Other Assets	0	15,515	16,943	52,416	4,253	4,777	2,688	3,800	2,347	10,917	18,162	24,478	25,044
Other Current Assets	97,338	42,392	18,756	16,999	18,969	16,874	13,492	11,201	11,585	12,697	11,387	11,118	8,604
Other Current Liab	180,182	99,747	81,672	64,606	64,458	63,656	39,857	35,998	38,658	29,807	27,373	38,200	38,902
Other Liab	0	48,299	46,971	73,715	45,629	46,866	50,345	46,693	43,127	2,898	333	3,072	449
Other Stockholder Equity	36,527	487,349	7,565	5,340	296,476	5,783	5,350	116,341	9,718	59,740	80,718	52,155	363,130
Preferred Stock Redeemable	0	0	0	0	0	0	0	0	0	0	0	0	0
Preferred Stock Total Equity	0	0	0	0	0	0	0	0	0	0	0	0	0
Property Plant And Equipment Gross	221,366	72,305	69,762	71,076	73,770	36,763	37,924	38,930	34,128	29,535	33,240	36,737	36,685
Property Plant And Equipment Net	77,249	72,305	69,762	71,076	73,770	36,763	37,924	38,930	34,128	29,535	33,240	36,737	36,685
Property Plant Equipment	0	56,387	48,533	43,538	43,791	36,763	37,924	38,930	34,128	29,535	33,240	36,737	36,685
Retained Earnings	538,903	487,349	506,051	379,934	296,476	228,742	148,887	116,341	109,286	65,576	29,403	70,414	3,638
Retained Earnings Total Equity	0	487,349	506,051	379,934	296,476	228,742	148,887	116,341	95,328	0	0	0	0
Short Long Term Debt	23,867	40,750	19,750	14,250	14,250	14,250	58,487	47,789	22,750	19,000	0	0	0
Short Long Term Debt Total	986,409	446,972	486,571	523,523	555,649	538,306	615,738	647,456	665,495	689,579	735,880	763,756	523,833
Short Term Debt	30,560	46,686	25,330	20,080	20,023	14,250	58,487	47,789	39,750	42,000	70,200	33,047	3,383
Short Term Investments	0	0	-107	12,835	0	0	9,944	8,112	11,818	5,718	5,433	4,939	5,288
Temporary Equity Redeemable Noncontrolling Interests	0	0	0	0	0	0	0	0	0	0	0	0	0
Total Assets	2,060,263	1,131,743	1,144,756	1,072,579	1,011,676	927,292	902,788	885,662	880,631	890,235	919,353	977,745	1,046,860
Total Current Assets	553,607	389,129	436,350	359,046	276,018	216,193	168,706	158,265	145,253	134,606	116,413	129,973	152,238
Total Current Liabilities	298,313	208,410	152,884	152,992	144,314	136,705	147,216	129,163	117,923	104,511	121,798	96,895	64,971
Total Liab	1,424,887	656,995	674,488	730,150	740,053	711,686	754,812	777,487	768,459	770,662	808,023	855,290	680,684
Total Permanent Equity	0	0	0	0	0	0	147,976	0	0	0	0	0	0
Total Stockholder Equity	594,293	471,511	466,212	337,741	267,187	211,459	144,112	104,676	112,172	119,573	111,330	122,455	366,176
Treasury Stock	0	0	0	0	0	0	0	0	0	0	0	0	0
Warrants	0	0	0	0	0	0	0	0	0	0	0	0	0

	2023-12-31	2023-09-30	2023-06-30	2023-03-31	2022-12-31	2022-09-30	2022-06-30	2022-03-31	2021-12-31	2021-09-30	2021-06-30	2021-03-31	2020-12-31	2020-09-30	2020-06-30	2020-03-31	2019-12-31	2019-09-30	2019-06-30	2019-03-31	2018-12-31	2018-09-30	2018-06-30	2018-03-31	2017-12-31	2017-09-30	2017-06-30	2017-03-31	2016-12-31	2016-09-30	2016-06-30	2016-03-31	2015-12-31	2015-09-30	2015-06-30	2015-03-31	2014-12-31	2014-09-30	2014-06-30	2014-03-31	2013-12-31	2013-09-30	2013-06-30	2013-03-31	2012-12-31	2012-09-30	2012-06-30	2012-03-31	2011-12-31	2010-12-31
Accounts Payable	66,516	52,403	50,147	47,647	46,751	33,489	34,439	30,470	28,484	34,069	27,818	26,998	43,348	36,057	28,698	28,230	39,165	24,966	34,920	45,995	47,272	37,397	34,561	40,670	41,135	27,845	31,697	27,155	40,845	27,169	18,122	26,839	59,874	22,417	19,133	19,396	22,879	14,748	14,256	12,107	18,630	14,912	25,589	22,817	24,482	0	0	0	21,786	17,707
Accumulated Amortization	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0
Accumulated Depreciation	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0
Accumulated Other Comprehensive Income	18,209	-3,352	4,523	-446	-16,486	-29,586	-39,452	-36,211	-48,123	-49,166	-43,769	-46,678	-48,254	-52,386	-49,784	-50,173	-30,009	-33,094	-29,596	-25,879	-23,789	-14,964	-10,858	-6,938	-10,848	-12,152	-14,616	-12,418	-12,391	-14,666	-13,708	-7,582	-8,000	-6,049	-5,720	-5,633	-6,522	-6,147	-6,525	-7,319	426	908	1,118	1,512	-842	0	0	0	0	0
Additional Paid In Capital	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	12,910	10,654	8,782	5,350	2,299	0	0	0	0	0	109,659	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0
Capital Lease Obligations	15,726	13,024	14,768	16,388	16,724	19,327	20,861	22,779	22,036	23,411	25,026	26,375	28,232	27,257	27,694	28,609	30,452	31,390	33,337	34,933	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0
Capital Stock	654	646	648	651	648	655	713	717	719	719	719	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0
Capital Surpluse	0	0	0	0	0	0	1,671	0	7,565	3,708	0	0	5,340	6,552	3,568	0	0	3,058	0	0	5,783	12,910	10,654	8,782	5,350	2,299	0	0	0	0	0	8,674	9,718	28,502	51,914	50,403	59,740	83,296	82,167	81,332	80,718	155,166	153,789	52,486	0	0	0	0	0	0
Cash	318,673	177,821	191,620	173,662	197,229	224,971	288,064	283,610	266,351	244,129	199,891	156,363	202,649	144,147	146,920	103,521	111,030	102,535	64,025	73,183	69,973	91,310	59,333	53,471	50,423	48,440	93,060	52,074	51,920	44,985	35,728	28,747	28,747	40,401	38,837	32,430	32,114	29,226	27,831	27,242	22,485	27,960	19,587	34,128	25,634	0	0	0	56,200	55,199
Cash And Equivalents	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0
Cash And Short Term Investments	318,673	177,821	191,620	173,662	197,229	224,971	288,064	283,610	266,351	244,129	199,891	156,363	202,649	144,147	146,920	103,521	111,030	102,535	64,025	73,183	69,973	91,310	59,333	53,471	50,423	48,440	93,060	52,074	51,920	44,985	35,728	28,747	40,565	40,401	38,837	32,430	32,114	29,226	27,831	27,242	22,485	27,960	19,587	34,128	25,634	0	0	0	0	0
Common Stock	654	646	648	651	648	655	713	717	719	719	719	721	721	719	719	719	720	719	719	722	723	727	727	724	723	723	723	725	726	732	741	750	750	762	775	774	779	787	786	784	783	819	819	728	728	0	0	0	726	360
Common Stock Shares Outstanding	66,273	65,779	65,510	65,609	65,824	67,046	72,150	72,853	72,984	72,876	72,831	72,949	73,152	73,002	72,774	73,293	73,305	73,315	73,301	73,770	74,690	74,657	74,389	73,373	72,858	73,094	73,075	73,155	73,563	74,291	75,019	75,923	75,923	77,293	77,698	77,867	77,807	79,217	79,200	79,236	81,943	82,863	78,929	79,096	72,736	76,879	76,879	76,879	0	0
Common Stock Total Equity	0	0	648	651	648	655	713	717	719	719	719	721	721	719	719	719	720	719	719	722	723	727	727	724	723	723	723	725	726	732	741	750	750	762	775	774	779	787	786	784	783	819	819	728	728	0	0	0	0	0
Current Deferred Revenue	21,055	14,428	17,821	19,737	15,226	17,051	21,403	21,360	17,398	21,304	23,769	25,319	24,958	19,800	22,103	18,138	20,668	14,596	11,240	12,156	11,527	14,017	9,633	9,521	7,737	6,566	5,383	6,062	4,531	6,404	3,703	12,676	0	11,683	11,734	11,118	9,825	8,866	8,498	7,213	5,595	3,791	2,902	1,943	1,166	0	0	0	0	0
Deferred Long Term Asset Charges	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	988	996	805	615	531	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0
Deferred Long Term Liab	0	0	9,407	10,162	10,111	7,998	2,142	2,347	2,369	1,819	2,018	2,151	2,748	2,575	2,569	2,957	4,261	4,565	7,396	9,041	9,950	11,509	37,025	36,728	37,306	34,939	34,955	33,567	32,281	30,600	30,105	31,652	31,553	23,858	19,255	19,708	15,674	20,308	20,702	20,767	20,212	16,965	16,526	25,618	0	0	0	0	0	0
Earning Assets	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0
Good Will	791,700	434,496	438,256	434,340	423,392	417,819	385,536	389,027	393,318	394,536	396,603	396,298	397,670	395,048	395,625	394,498	399,487	395,848	396,275	395,723	394,644	396,035	397,221	399,861	398,575	402,103	371,204	371,986	370,986	371,385	372,001	368,133	368,133	368,543	368,911	369,171	368,837	369,304	369,203	369,101	373,119	373,223	373,298	373,718	372,307	0	0	0	371,712	372,584
Intangible Assets	518,070	220,240	213,779	213,706	200,320	196,316	208,439	191,164	213,288	219,615	224,685	229,972	219,909	222,085	224,605	229,787	241,937	244,672	249,667	252,592	259,269	260,744	266,253	273,536	279,961	289,095	284,316	291,219	299,119	297,870	302,356	312,059	312,059	309,680	317,431	323,941	334,584	338,248	347,114	355,801	367,780	375,292	384,375	392,269	403,170	0	0	0	820,626	0
Inventory	0	20,607	19,485	19,015	18,428	0	0	0	37,958	0	0	0	43,671	0	0	0	39,207	0	0	0	29,023	0	0	0	21,463	0	0	0	17,341	0	0	25,582	0	0	0	0	12,883	0	0	0	14,107	0	0	0	12,396	0	0	0	0	0
Liabilities And Stockholders Equity	2,060,263	1,221,460	1,171,633	1,137,193	1,131,743	1,120,968	1,169,341	1,161,569	1,144,756	1,108,493	1,070,784	1,040,649	1,072,579	1,028,074	1,011,737	979,218	1,011,676	980,066	950,493	968,776	927,292	928,598	904,169	916,829	902,788	904,967	914,627	882,562	885,662	867,041	864,452	880,631	870,102	882,897	880,291	885,979	890,235	890,440	899,883	905,883	919,353	935,479	947,281	973,879	977,745	0	0	0	0	0
Long Term Debt	946,816	374,656	379,602	384,550	389,498	426,691	432,723	441,602	458,177	449,435	454,085	479,750	481,041	511,676	487,572	490,844	510,947	514,217	517,491	520,771	524,056	541,949	547,551	553,140	557,251	561,898	565,425	595,631	599,667	597,155	604,676	613,376	625,745	632,137	638,530	643,053	647,579	652,102	656,626	661,153	665,680	670,209	674,738	734,718	730,709	0	0	0	523,833	558,623
Long Term Debt Total	0	0	379,602	384,550	389,498	426,691	432,723	441,602	458,177	467,539	473,853	479,750	481,041	511,676	487,572	490,844	510,947	514,217	517,491	520,771	524,056	541,949	547,551	553,140	557,251	561,898	565,425	595,631	599,667	597,155	604,676	613,376	625,745	632,137	638,530	643,053	647,579	652,102	656,626	661,153	665,680	670,209	674,738	734,718	0	0	0	0	0	0
Long Term Investments	32,653	48,082	19,311	21,471	22,101	23,339	17,517	17,370	12,054	14,308	16,457	15,835	12,835	12,417	12,355	12,568	12,288	12,257	11,975	12,337	12,149	12,039	13,335	13,369	13,073	12,832	12,646	12,491	12,252	12,247	12,193	12,160	12,264	12,281	12,251	11,903	11,756	11,492	11,287	10,895	10,639	10,827	10,751	11,389	0	0	0	0	0	0
Negative Goodwill	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0
Net Debt	667,736	236,609	223,500	248,026	249,743	249,860	188,020	199,048	220,220	247,092	296,219	344,375	320,874	381,666	397,596	430,182	444,619	457,322	501,053	511,771	468,333	473,830	510,038	546,227	565,315	592,873	566,709	590,534	595,536	596,545	615,448	636,748	619,748	630,611	622,693	649,623	657,465	649,876	670,795	693,511	713,395	667,381	682,814	709,253	738,122	0	0	0	0	0
Net Invested Capital	1,564,976	933,817	934,887	913,068	901,759	907,313	963,969	950,755	930,747	891,604	864,851	825,962	833,032	804,693	791,707	764,131	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0
Net Receivables	137,596	115,779	109,421	127,876	131,080	112,293	107,685	105,132	113,285	95,548	93,878	99,737	95,727	111,852	91,744	95,305	106,812	92,195	93,735	96,307	100,323	82,865	82,447	90,037	83,328	75,959	76,902	76,655	77,803	67,453	72,164	79,339	74,466	68,429	71,091	78,745	76,912	68,969	71,479	68,403	68,434	69,249	77,662	74,747	80,825	0	0	0	0	0
Net Tangible Assets	0	-122,325	-117,500	-140,278	-152,201	-162,326	-66,394	-89,315	-140,394	-190,357	-227,521	-274,671	-279,838	-310,996	-345,345	-365,248	-374,237	-395,319	-421,458	-436,054	-442,454	-445,926	-470,132	-498,052	-534,424	-557,290	-525,238	-541,443	-565,429	-567,066	-570,338	-573,616	-581,978	-559,970	-550,026	-570,727	-610,225	-568,692	-590,188	-610,335	-629,569	-574,060	-590,996	-635,375	0	0	0	0	0	0
Net Working Capital	263,041	153,614	194,958	185,264	180,719	218,046	323,480	313,064	283,466	250,274	218,635	183,152	206,054	181,325	151,524	132,113	131,704	116,197	91,715	69,206	79,488	91,069	70,572	48,162	21,490	449	36,344	47,091	29,102	25,098	31,876	27,330	32,222	44,080	56,857	44,376	30,095	50,647	32,988	14,539	-5,385	50,971	38,148	57,490	33,078	0	0	0	0	0
Non Current Assets Total	1,506,656	819,109	777,745	768,696	742,614	724,007	679,548	687,992	708,406	705,419	715,244	720,917	713,533	709,191	708,726	718,905	735,658	735,532	744,254	751,517	711,099	712,066	721,869	732,463	734,082	745,438	709,969	719,242	727,397	723,697	726,983	735,378	735,379	732,863	740,100	743,322	755,629	760,861	770,720	782,249	802,940	810,991	820,426	836,498	847,772	0	0	0	0	0
Non Current Liabilities Other	40,984	9,783	3,628	48,107	48,976	52,109	55,562	61,959	61,058	9,785	9,690	66,161	93,369	66,057	91,141	94,533	80,531	83,691	82,282	74,413	40,975	34,725	10,502	11,472	13,039	11,369	11,918	11,765	16,376	15,393	16,632	14,873	12,089	2,695	2,856	2,552	2,898	238	251	301	333	333	633	3,040	0	0	0	0	0	0
Non Current Liabilities Total	1,126,574	436,374	434,561	442,819	448,585	486,798	490,427	505,908	521,604	527,763	535,835	548,062	577,158	580,308	581,282	588,334	595,739	602,473	607,169	604,225	574,981	588,183	595,078	601,340	607,596	608,206	612,298	640,963	648,324	643,148	651,413	650,536	669,387	658,690	660,641	665,313	666,151	672,648	677,579	682,221	686,225	687,507	691,897	763,376	758,395	0	0	0	0	0
Non Currrent Assets Other	34,752	28,531	26,339	22,357	24,018	20,448	-6,453	12,193	9,926	6,384	6,149	5,136	6,012	5,511	4,281	7,897	5,323	5,856	6,751	7,195	6,357	5,500	5,653	7,182	4,549	3,757	4,720	5,332	5,305	3,883	4,544	8,794	8,795	2,157	7,557	7,328	10,917	8,957	10,933	12,135	18,162	19,274	18,971	21,177	24,478	0	0	0	0	0
Noncontrolling Interest In Consolidated Entity	0	0	3,607	3,373	3,237	3,446	3,855	4,272	4,056	4,136	4,277	4,408	4,688	4,071	4,083	3,647	4,436	4,055	4,316	4,237	4,147	4,099	4,021	3,940	3,864	3,773	3,733	3,608	3,499	3,458	3,427	3,428	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0
Other Assets	0	35,319	0	24,515	15,515	18,806	19,439	19,360	16,943	11,555	11,933	11,062	52,416	9,562	7,648	11,712	4,253	8,656	9,336	9,362	4,817	4,047	4,420	5,465	696,158	708,918	673,874	682,024	688,467	686,000	691,625	694,264	701,251	699,582	708,473	715,242	726,094	731,379	741,349	751,755	769,700	778,999	787,395	801,410	811,035	818,614	0	0	857,937	907,434
Other Current Assets	97,338	88,144	73,362	47,944	42,392	59,697	94,044	84,835	18,756	63,397	61,771	63,632	16,999	62,884	64,347	61,487	18,969	49,804	48,479	47,769	16,874	42,357	40,520	40,858	13,492	35,130	34,696	34,591	11,201	30,906	29,577	11,585	18,758	41,204	30,263	31,482	12,697	31,384	29,853	27,989	11,387	27,279	29,606	28,506	11,118	0	0	0	29,820	17,529
Other Current Liab	180,182	149,177	104,023	89,303	99,747	93,555	82,050	81,439	81,672	73,152	62,874	63,147	64,606	61,574	65,630	61,842	64,458	68,821	47,820	51,194	63,656	50,858	45,714	39,455	39,857	45,254	36,890	36,035	35,998	40,298	37,268	38,658	2,877	32,979	29,467	28,767	29,807	28,318	31,421	30,175	27,373	29,682	32,553	46,468	38,200	48,084	0	0	39,802	55,134
Other Liab	0	54,673	0	47,677	48,299	46,787	42,764	47,646	46,971	42,713	42,401	47,428	73,715	47,252	43,699	47,220	45,629	45,815	48,909	49,871	46,866	46,234	47,527	48,200	36,525	32,152	32,495	30,601	33,679	29,345	29,322	26,219	23,028	2,695	2,856	2,552	2,898	238	251	301	333	333	633	3,040	3,072	337	0	0	449	2,228
Other Stockholder Equity	36,527	4,403	529,364,000	507,563	470,863	480,740	1,671	526,370	7,565	3,708	436,817	397,556	5,340	6,552	3,568	308,491	266,467	3,058	253,361	237,418	5,783	12,910	10,654	8,782	5,350	2,299	144,175	133,455	103,950	116,123	116,986	9,718	-7,582	28,502	51,914	50,403	59,740	83,296	82,167	81,332	80,718	155,166	153,789	52,486	52,155	0	0	0	0	0
Preferred Stock Redeemable	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0
Preferred Stock Total Equity	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	109,659	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0
Property Plant And Equipment Gross	221,366	69,480	71,796	72,485	72,305	67,727	0	0	0	0	65,566	67,750	71,076	70,079	68,493	70,340	73,770	74,099	76,907	80,521	36,763	36,655	38,336	38,515	37,924	36,520	36,095	37,218	38,930	37,697	35,358	34,128	34,128	33,281	31,627	28,080	29,535	29,482	29,371	30,494	33,240	31,992	33,031	35,088	36,737	0	0	0	0	0
Property Plant And Equipment Net	77,249	69,480	71,796	72,485	72,305	67,727	67,452	71,071	69,762	65,405	65,566	67,750	71,076	70,079	68,493	70,340	73,770	74,099	76,907	80,521	36,763	36,655	38,336	38,515	37,924	36,520	36,095	37,218	38,930	37,697	35,358	34,128	0	33,281	31,627	28,080	29,535	29,482	29,371	30,494	33,240	31,992	33,031	35,088	36,737	0	0	0	0	0
Property Plant Equipment	0	69,480	57,761	56,858	56,387	49,928	67,452	49,509	48,533	65,405	65,566	42,146	43,538	43,255	41,199	41,984	43,791	43,179	44,544	45,778	36,763	36,655	38,336	38,515	37,924	36,520	36,095	37,218	38,930	37,697	35,358	33,762	34,128	33,281	31,627	28,080	29,535	29,482	29,371	30,494	33,240	31,992	33,031	35,088	36,737	0	0	0	36,685	43,689
Retained Earnings	538,903	530,714	529,364	507,563	487,349	480,740	545,814	526,370	506,051	468,533	436,817	397,556	379,934	351,252	320,382	308,491	296,476	274,518	253,361	237,418	228,742	212,180	192,819	172,777	148,887	143,038	144,175	133,455	116,341	116,123	116,986	109,286	95,328	95,038	89,347	76,841	65,576	60,924	49,701	39,770	29,403	17,562	10,951	75,886	70,414	0	0	0	2,320	0
Retained Earnings Total Equity	0	0	529,364	507,563	487,349	480,740	545,814	526,370	506,051	468,533	436,817	397,556	379,934	351,252	320,382	308,491	296,476	274,518	253,361	237,418	228,742	212,180	192,819	172,777	148,887	143,038	144,175	133,455	116,341	116,123	116,986	106,995	95,328	95,038	89,347	76,841	65,576	60,924	49,701	39,770	29,403	17,562	10,951	75,886	0	0	0	0	0	0
Short Long Term Debt	23,867	26,750	20,750	20,750	40,750	28,813	22,500	21,125	19,750	18,375	16,999	15,625	14,250	14,250	29,250	14,250	14,250	14,250	14,250	29,250	14,250	23,191	21,820	46,558	46,487	46,415	661,357	46,977	19,789	44,375	46,500	39,625	22,750	0	0	0	19,000	0	0	0	0	0	0	0	0	0	0	0	0	0
Short Long Term Debt Total	986,409	414,430	415,120	421,688	446,972	474,831	476,084	482,658	486,571	491,221	496,110	500,738	523,523	525,813	544,516	533,703	555,649	559,857	565,078	584,954	538,306	565,140	569,371	599,698	615,738	641,313	659,769	642,608	647,456	641,530	651,176	665,495	648,495	671,012	661,530	682,053	689,579	679,102	698,626	720,753	735,880	695,341	702,401	743,381	763,756	0	0	0	0	0
Short Term Debt	30,560	32,729	26,939	26,546	46,686	34,820	28,421	27,244	25,330	24,275	22,444	21,116	20,080	20,127	35,056	19,990	20,023	19,954	20,544	38,708	14,250	23,191	21,820	46,558	58,487	79,415	94,344	46,977	47,789	44,375	46,500	39,750	22,750	38,875	23,000	39,000	42,000	27,000	42,000	59,600	70,200	25,132	27,663	8,663	33,047	0	0	0	0	0
Short Term Investments	0	25,943,918	0	0	0	0	0	-54	-107	3,060	3,059	2,968	12,835	12,417	0	0	0	0	0	0	0	12,686	11,076	10,540	9,944	10,352	8,196	8,254	8,112	8,281	7,601	8,562	11,818	13,547	6,262	6,924	5,718	6,126	5,195	5,247	5,433	5,096	4,983	4,827	4,939	0	0	0	5,288	6,100
Temporary Equity Redeemable Noncontrolling Interests	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	109,659	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0
Total Assets	2,060,263	1,221,460	1,171,633	1,137,193	1,131,743	1,120,968	1,169,341	1,161,569	1,144,756	1,108,493	1,070,784	1,040,649	1,072,579	1,028,074	1,011,737	979,218	1,011,676	980,066	950,493	968,776	927,292	928,598	904,169	916,829	902,788	904,967	914,627	882,562	885,662	867,041	864,452	880,631	870,102	882,897	880,291	885,979	890,235	890,440	899,883	905,883	919,353	935,479	947,281	973,879	977,745	0	0	0	1,046,860	1,092,179
Total Current Assets	553,607	402,351	393,888	368,497	389,129	396,961	489,793	473,577	436,350	403,074	355,540	319,732	359,046	318,883	303,011	260,313	276,018	244,534	206,239	217,259	216,193	216,532	182,300	184,366	168,706	159,529	204,658	163,320	158,265	143,344	137,469	145,253	134,723	150,034	140,191	142,657	134,606	129,579	129,163	123,634	116,413	124,488	126,855	137,381	129,973	0	0	0	0	0
Total Current Liabilities	298,313	248,737	198,930	183,233	208,410	178,915	166,313	160,513	152,884	152,800	136,905	136,580	152,992	137,558	151,487	128,200	144,314	128,337	114,524	148,053	136,705	125,463	111,728	136,204	147,216	159,080	168,314	116,229	129,163	118,246	105,593	117,923	102,501	105,954	83,334	98,281	104,511	78,932	96,175	109,095	121,798	73,517	88,707	79,891	96,895	0	0	0	64,971	78,830
Total Liab	1,424,887	685,111	633,491	626,052	656,995	665,713	656,740	666,421	674,488	680,563	672,740	684,642	730,150	717,866	732,769	716,534	740,053	730,810	721,693	752,278	711,686	713,646	706,806	737,544	754,812	767,286	780,612	757,192	777,487	761,394	757,006	768,459	771,888	764,644	743,975	763,594	770,662	751,580	773,754	791,316	808,023	761,024	780,604	843,267	855,290	0	0	0	680,684	0
Total Permanent Equity	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	214,952	197,363	179,285	147,976	137,681	134,015	125,370	0	105,647	107,446	109,659	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0
Total Stockholder Equity	594,293	532,411	534,535	507,768	471,511	451,809	508,746	490,876	466,212	423,794	393,767	351,599	337,741	306,137	274,885	259,037	267,187	245,201	224,484	212,261	211,459	210,853	193,342	175,345	144,112	133,908	130,282	121,762	104,676	102,189	104,019	112,172	98,214	118,253	136,316	122,385	119,573	138,860	126,129	114,567	111,330	174,455	166,677	130,612	122,455	0	0	0	366,176	0
Treasury Stock	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	-109,659	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0
Warrants	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0

Cash Flow

Currency in USD. All numbers in thousands.

	2023-12-31	2022-12-31	2021-12-31	2020-12-31	2019-12-31	2018-12-31	2017-12-31	2016-12-31	2015-12-31	2014-12-31	2013-12-31	2012-12-31	2011-12-31
Begin Period Cash Flow	215,657	285,917	221,105	131,121	86,746	60,367	51,920	28,747	32,114	22,485	25,634	56,200	55,199
Capital Expenditures	84,976	82,530	66,907	48,640	59,873	41,319	33,464	42,269	44,782	25,944	28,466	27,509	23,429
Cash And Cash Equivalents Changes	0	-66,731	63,315	87,838	44,375	26,379	-1,497	23,173	-3,367	9,629	-3,149	0	0
Cash Flows Other Operating	0	0	0	0	0	0	0	0	0	0	0	0	0
Change In Cash	103,016	-70,260	64,812	89,984	44,375	26,379	-1,497	23,173	-3,367	9,629	-3,149	-30,566	1,001
Change In Working Capital	21,638	-4,298	-29,748	3,111	-12,542	6,237	3,543	20,965	11,080	-1,266	-5,458	-10,634	-4,155
Change Receivables	0	0	0	0	0	0	0	0	0	0	0	0	0
Change To Account Receivables	-6,850	-15,571	-18,521	8,397	-7,851	-18,181	-2,099	-2,583	-4,977	-6,608	9,243	-15,966	3,703
Change To Inventory	0	0	-9,095	-8,145	-15,980	1,340	-1,932	936	-998	3,995	-2,396	-1,734	-6,465
Change To Liabilities	0	25,181	-2,132	2,859	11,289	23,078	7,574	22,612	18,154	-354	0	6,800	0
Change To Netincome	0	-15,508	67,277	94,238	76,249	86,165	90,367	92,928	77,042	72,416	87,488	0	944
Change To Operating Activities	0	-15,189	-8,736	-8,340	-15,384	-3,905	-1,583	531	-8,567	6,658	0	0	0
Depreciation	99,873	84,730	75,070	71,518	74,243	63,067	64,250	59,567	64,974	65,988	70,366	71,492	69,891
Dividends Paid	13,025	13,773	14,409	14,382	14,420	7,273	21,762	29,696	30,921	31,359	16,390	319,959	0
End Period Cash Flow	318,673	215,657	285,917	221,105	131,121	86,746	50,423	51,920	28,747	32,114	22,485	25,634	56,200
Exchange Rate Changes	0	0	0	0	0	0	0	0	0	0	0	0	0
Free Cash Flow	139,314	140,831	161,513	150,449	120,076	131,415	112,322	125,785	115,437	114,004	34,400	55,155	45,942
Investments	-132,755	-6,503	-2,968	-48,634	-65,347	-41,300	-78,100	-54,083	0	0	0	0	0
Issuance Of Capital Stock	0	0	0	0	0	0	0	0	0	0	0	0	0
Net Borrowings	0	-40,714	-33,695	-32,801	-15,136	-85,623	-38,162	-20,608	-26,542	-47,200	-43,121	0	0
Net Income	79,722	238,869	161,143	104,851	103,700	86,569	55,419	75,126	74,602	67,532	-24,621	77,366	24,214
Other Cashflows From Financing Activities	-6,673	421,960	-8,793	-8,134	-8,849	-6,577	-1,588	-8,965	-306	64	697,106	-2,174	-31,747
Other Cashflows From Investing Activities	0	-99,748	-55,749	-31,552	-42,345	-27,367	-66,810	-35,633	-32,046	-15,272	-17,458	0	0
Other Non Cash Items	13,469	-115,461	9,982	9,261	7,369	8,880	17,238	10,582	5,441	4,820	22,102	9,804	620
Sale Purchase Of Stock	-36,096	-96,596	-24,388	-7,300	-31,822	-10,000	-7,671	-39,946	-54,949	-26,197	-75,000	235,720	0
Stock Based Compensation	25,732	19,956	14,799	14,253	13,570	12,592	9,642	6,408	5,204	4,587	6,179	1,204	884
Total Cash From Financing Activities	403,270	-156,768	-81,285	-62,617	-70,227	-105,055	-69,183	-90,798	-112,718	-104,149	-37,071	-86,188	-36,623
Total Cash From Operating Activities	224,290	223,361	228,420	199,089	179,949	172,734	145,786	168,054	160,219	139,948	62,866	82,664	69,371
Total Cashflows From Investing Activities	0	-133,324	-83,820	-48,634	-65,347	-41,300	-78,100	-54,083	-53,068	-25,831	-28,944	0	0

	2023-12-31	2023-09-30	2023-06-30	2023-03-31	2022-12-31	2022-09-30	2022-06-30	2022-03-31	2021-12-31	2021-09-30	2021-06-30	2021-03-31	2020-12-31	2020-09-30	2020-06-30	2020-03-31	2019-12-31	2019-09-30	2019-06-30	2019-03-31	2018-12-31	2018-09-30	2018-06-30	2018-03-31	2017-12-31	2017-09-30	2017-06-30	2017-03-31	2016-12-31	2016-09-30	2016-06-30	2016-03-31	2015-12-31	2015-09-30	2015-06-30	2015-03-31	2014-12-31	2014-09-30	2014-06-30	2014-03-31	2013-12-31	2013-09-30	2013-06-30	2013-03-31	2012-12-31	2012-09-30	2012-06-30	2012-03-31	2011-12-31	2010-12-31
Begin Period Cash Flow	215,546	211,105	192,677	215,657	243,676	310,640	303,905	285,917	262,793	219,302	175,422	221,105	162,196	169,090	125,104	131,121	115,934	77,549	86,501	86,746	103,996	70,409	64,011	60,367	48,440	93,060	52,074	51,920	44,985	35,728	36,039	40,401	40,401	38,837	32,430	32,114	29,226	27,831	27,242	22,485	27,960	19,587	34,128	25,634	50,112	26,156	83,290	56,200	0	0
Capital Expenditures	34,354	15,144	22,158	13,320	27,323	15,631	25,280	14,296	8,765	13,272	13,425	31,445	11,717	18,476	9,035	9,412	9,910	14,315	21,660	13,988	16,314	9,153	6,487	9,365	9,224	8,766	8,940	6,534	10,784	12,453	16,016	17,386	19,586	11,990	12,822	2,584	9,381	6,827	7,249	2,487	11,495	4,660	7,857	4,454	14,539	4,092	5,207	3,671	8,963	17,287
Cash And Cash Equivalents Changes	0	0	31,949	-22,705	-20,230	-71,415	5,023	19,891	21,842	43,349	46,507	-48,383	54,379	-7,400	47,704	-6,845	15,187	38,385	-8,952	-245	-17,250	33,587	6,398	3,644	1,983	-44,620	40,986	154	6,935	9,257	-311	7,292	-11,654	1,564	6,407	316	2,888	1,395	589	4,757	-5,475	8,373	-14,541	8,494	0	0	0	0	0	0
Cash Flows Other Operating	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0
Change In Cash	103,127	4,441	30,383	-22,980	-28,019	-66,964	6,735	17,988	23,124	43,491	43,880	-45,683	58,909	-6,894	43,986	-6,017	15,187	38,385	-8,952	-245	-17,250	33,587	6,398	3,644	1,983	-44,620	40,986	154	6,935	9,257	-311	-11,654	-11,654	1,564	6,407	316	2,888	1,395	589	4,757	-5,475	8,373	-14,541	8,494	-24,478	23,956	-57,134	27,090	0	0
Change In Working Capital	35,275	-21,494	14,451	-6,594	3,293	-8,477	-6,427	7,313	-12,173	3,354	3,459	-24,388	24,556	-24,707	13,451	-10,189	-4,745	16,074	-5,304	-18,567	2,722	10,467	5,449	-12,401	3,601	8,728	6,585	-15,371	6,747	18,692	1,007	-1,674	-11,858	12,490	8,319	-8,055	2,611	299	808	-4,984	8,599	-5,331	-17,569	8,843	-19,527	4,809	-4,892	8,976	0	0
Change Receivables	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0
Change To Account Receivables	-2,260	-5,851	-8,783	10,044	-19,074	744	-4,301	7,060	-17,928	-545	4,000	-4,048	15,493	-21,483	2,658	11,729	-14,326	1,091	1,423	3,961	-18,117	-875	7,626	-6,815	-7,545	4,493	-166	1,119	-9,941	4,582	2,818	-11,433	-10,938	2,114	7,395	-3,053	-6,917	2,354	-2,306	261	208	8,543	-3,704	4,196	-12,135	-8,078	317	3,930	3,703	0
Change To Inventory	0	4,592	-35,396	0	0	6,929	0	0	5,233	0	0	-3,068	8,554	0	0	-2,331	-1,824	1,148	-6,361	-8,943	1,742	1,607	1,317	-3,326	-985	3,703	-381	-4,269	4,303	-332	-4,447	1,115	0	2,272	-1,794	-2,591	4,095	814	-2,090	1,176	4,836	375	-4,123	-3,484	-2,947	1,512	-853	554	0	0
Change To Liabilities	0	-6,919	0	-10,328	23,369	-6,610	2,262	6,160	1,947	8,484	4,709	-17,272	8,478	5,217	8,751	-19,587	11,405	13,835	-366	-13,585	19,097	9,735	-3,494	-2,260	7,574	532	7,132	-10,344	14,594	3,686	2,239	-4,691	7,596	6,553	0	0	-354	0	0	0	0	0	0	7,354	6,800	0	0	0	0	34,957
Change To Netincome	0	24,239	43,677	24,448	35,644	-108,632	25,996	31,484	11,377	4,476	3,436	-858	45,560	-674	37,702	11,650	18,739	35,431	19,474	2,605	24,044	28,512	26,355	7,254	31,426	31,239	25,535	2,167	27,439	35,466	18,959	11,064	7,182	32,465	26,813	10,582	23,688	17,170	19,750	11,808	29,144	12,783	17,202	28,359	0	0	0	0	944	429
Change To Operating Activities	0	-9,643	-9,643	-5,671	638	-9,394	1,722	-8,155	1,482	-5,298	-1,770	-3,150	1,938	-5,001	361	-5,638	-3,308	-1,485	-1,457	-9,134	775	-184	1,546	-6,042	-1,583	1,645	345	-6,146	531	12	-4,050	-748	-8,567	0	0	0	6,658	0	0	0	0	0	0	0	0	0	0	0	0	0
Depreciation	31,574	18,816	25,432	19,432	26,298	19,712	19,560	19,160	24,839	18,745	18,723	18,623	19,257	19,614	19,556	18,968	19,837	20,938	17,195	16,273	15,684	15,788	15,728	15,867	16,061	16,606	15,899	15,684	15,067	14,889	14,941	15,207	15,207	16,933	16,006	16,828	16,531	16,453	16,390	16,614	17,292	17,657	17,842	17,575	17,975	17,765	17,830	17,922	0	0
Dividends Paid	3,290	3,232	3,254	3,249	3,258	3,338	3,579	3,598	3,598	3,598	3,608	3,605	3,596	3,593	7,193	7,193	3,596	3,597	3,610	3,617	3,637	3,636	3,636	3,636	21,762	7,239	7,259	7,264	7,324	7,408	7,483	7,599	7,599	7,780	7,744	7,798	7,812	7,867	7,841	7,839	8,198	8,192	0	0	50,187	0	0	0	0	55,700
End Period Cash Flow	318,673	215,546	223,060	192,677	215,657	243,676	310,640	303,905	285,917	262,793	219,302	175,422	221,105	162,196	169,090	125,104	131,121	115,934	77,549	86,501	86,746	103,996	70,409	64,011	50,423	48,440	93,060	52,074	51,920	44,985	35,728	28,747	28,747	40,401	38,837	32,430	32,114	29,226	27,831	27,242	22,485	27,960	19,587	34,128	25,634	50,112	26,156	83,290	56,200	0
Exchange Rate Changes	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0
Free Cash Flow	26,478	22,076	49,569	41,191	37,029	13,476	34,272	56,054	43,800	50,554	63,858	3,301	66,213	15,431	44,292	24,513	33,872	45,902	24,951	15,351	27,977	42,434	40,001	21,003	28,127	28,615	36,809	18,771	32,669	42,724	23,383	20,218	20,218	33,900	34,258	27,061	26,769	29,434	30,274	27,527	37,688	22,926	-55,590	29,377	-978	23,016	6,065	27,052	60,408	32,592
Investments	-402,499	-47,062	-21,734	-36,637	-27,322	189	-6,692	-14,290	-23,515	-13,269	-12,623	-2,968	-11,714	-18,473	-9,035	-9,412	-15,485	-14,243	-21,663	-13,956	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0
Issuance Of Capital Stock	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0
Net Borrowings	0	812	-5,188	-5,187	-29,938	-48	-4,984	-5,744	-3,610	-3,610	-4,360	-22,115	-3,563	-18,562	10,676	-21,352	-3,596	-3,597	-19,346	11,403	-31,563	-5,098	-31,807	-17,155	-26,542	-20,917	15,647	-6,350	-2,274	-11,056	-139	-7,139	-5,750	7,708	-20,750	-7,750	10,345	-19,763	-22,400	-15,382	40,316	-7,394	-73,372	-2,671	0	0	0	0	0	0
Net Income	11,479	9,956	28,050	30,063	28,708	137,739	33,556	38,866	41,188	35,260	49,091	35,604	32,370	34,581	15,625	22,275	25,043	24,786	27,137	26,734	20,247	23,075	20,133	23,114	5,925	6,142	20,214	23,138	16,014	19,711	20,234	21,847	32,622	13,425	20,267	19,063	12,462	19,091	17,773	18,206	20,039	14,803	-64,935	5,472	73,589	2,276	-2,033	3,534	24,214	0
Other Cashflows From Financing Activities	-717	-1	-81	-5,874	427,645	-9	-28	-5,648	-23,515	-13,269	-65	-8,728	-4,678	-15,679	14,929	-2,706	-2,545	-142	-234	-5,928	-4,449	-3,750	-1,810	-12,204	-21,012	-15,091	-389	-1,096	-4,856	-232	-3,685	-275	-275	-5,000	-19,031	-7,750	19,821	-234	502	264	44,687	2,941	690,037	-18,332	26,995	-3,240	-63,221	-3,883	0	0
Other Cashflows From Investing Activities	0	0	-14,470	-32,574	-16,562	-53,737	-20,786	-8,663	-10,800	-9,684	-8,544	-26,721	-8,034	-11,685	-5,778	-6,055	-14,477	-7,874	-11,109	-8,885	-11,997	-6,369	-3,793	-5,208	-5,809	-50,954	-6,045	-4,002	-15,797	-5,061	-10,285	-4,490	-10,910	-13,847	-4,541	-2,748	-5,523	-4,149	-4,801	-799	-7,726	-1,772	-5,883	-2,077	0	0	0	0	0	0
Other Non Cash Items	-24,763	36,210	-1,446	8,261	-427	-124,674	8,206	1,434	-3,438	2,931	2,212	2,417	102	1,624	1,190	468	2,439	-2,658	5,086	2,502	4,615	1,508	1,454	1,303	6,669	8,054	1,180	1,335	5,922	1,640	2,151	1,737	841	1,609	1,135	960	1,500	825	1,239	1,256	1,772	693	17,794	1,844	3,115	1,376	4,320	993	0	0
Sale Purchase Of Stock	-12,498	-7,808	-9,521	-6,269	-24,064	-37,317	-14,036	-21,179	0	-14,268	-10,120	-14,268	7,300	-7,300	0	-7,300	-3,373	-253	-10,710	-17,486	-10,000	0	0	0	0	0	-3,906	-3,765	-10,250	-14,094	-13,144	-19,976	-19,976	-24,982	0	-9,991	-26,197	455	54	0	-75,000	91	112,460	0	0	0	0	0	0	0
Stock Based Compensation	6,920	6,756	6,499	5,557	5,216	5,296	5,165	4,279	3,856	3,708	3,855	3,380	3,468	3,663	3,639	3,483	3,402	3,453	3,436	3,279	2,900	2,370	3,685	3,637	3,063	2,390	2,183	2,006	1,839	1,166	1,799	1,456	0	1,557	1,542	649	3,273	649	315	350	460	236	5,152	331	315	332	297	260	0	0
Total Cash From Financing Activities	472,122	-10,229	-18,044	-40,579	-57,260	-40,712	-22,627	-36,169	-7,208	-7,208	-18,153	-48,716	-11,837	-22,834	3,412	-31,358	-13,110	-7,589	-33,900	-15,628	-45,231	-8,848	-33,617	-17,359	-26,554	-28,247	4,093	-18,475	-16,287	-32,790	-24,643	-33,600	-33,600	-25,054	-28,525	-25,539	-24,304	-27,149	-29,739	-22,957	-42,826	-14,445	41,202	-21,003	-23,305	88	-63,221	250	0	474,194
Total Cash From Operating Activities	60,832	37,220	71,727	54,511	64,352	29,107	59,552	70,350	52,565	63,826	77,283	34,746	77,930	33,907	53,327	33,925	43,782	60,217	46,611	29,339	44,291	51,587	46,488	30,368	37,351	37,381	45,749	25,305	43,453	55,177	39,399	37,604	39,804	45,890	47,080	29,645	36,150	36,261	37,523	30,014	49,183	27,586	-47,733	33,831	13,561	27,108	11,272	30,723	69,371	49,879
Total Cashflows From Investing Activities	0	-47,062	-21,734	-36,637	-27,322	-59,810	-31,902	-14,290	-23,515	-13,269	-12,623	-34,413	-11,714	-18,473	-9,035	-9,412	-15,485	-14,243	-21,663	-13,956	-16,310	-9,152	-6,473	-9,365	-8,814	-53,754	-8,856	-6,676	-20,231	-13,130	-15,053	-5,669	-17,858	-19,272	-12,148	-3,790	-8,958	-7,717	-7,195	-2,300	-11,832	-4,768	-8,010	-4,334	0	0	0	0	0	0

Income Statement

Currency in USD. All numbers in thousands.

	2023-12-31	2022-12-31	2021-12-31	2020-12-31	2019-12-31	2018-12-31	2017-12-31	2016-12-31	2015-12-31	2014-12-31	2013-12-31	2012-12-31	2011-12-31
Cost Of Revenue	430,377	292,621	250,164	226,870	213,379	196,957	200,650	175,809	167,857	156,517	162,303	158,860	155,377
Depreciation And Amortization	99,873	91,957	83,071	79,053	75,227	63,067	64,250	59,567	64,974	65,988	70,366	71,492	69,891
Discontinued Operations	0	0	0	0	0	0	0	0	0	0	0	0	0
Ebit	136,160	157,400	196,514	141,392	144,502	129,209	90,060	108,014	105,723	101,191	86,432	72,039	60,473
Ebitda	236,033	249,357	279,585	220,445	219,729	192,276	154,310	167,581	170,697	167,179	156,798	143,531	130,364
Effect Of Accounting Charges	0	0	0	0	0	0	0	0	0	0	0	0	0
Extraordinary Items	0	0	0	0	0	0	0	0	0	0	0	0	0
Gross Profit	264,332	325,788	339,632	283,718	273,995	256,912	206,494	213,698	205,027	204,612	194,937	182,824	165,745
Income Before Tax	85,353	267,852	181,705	123,853	116,675	99,165	60,199	83,397	81,457	75,110	-26,611	17,708	-5,013
Income Tax Expense	5,477	28,983	20,562	19,002	12,975	12,596	4,780	8,271	6,855	7,578	-1,990	-59,658	-29,227
Interest Expense	40,621	24,772	22,810	25,074	28,811	30,044	29,861	24,617	24,266	26,081	37,861	54,331	50,957
Interest Income	6,004	3,121	1,889	1,502	1,217	787	716	377	23,624	0	0	0	0
Minority Interest	174	-140	13	415	231	299	365	90	3,499	3,499	0	0	0
Net Income	79,722	239,009	161,130	104,436	103,469	86,270	55,054	75,036	74,602	67,532	-24,621	77,366	24,214
Net Income Applicable To Common Shares	0	239,009	161,130	104,436	103,469	86,270	55,054	75,036	85,377	67,532	-24,621	77,366	24,214
Net Income From Continuing Ops	96,777	238,869	161,143	104,851	103,700	86,569	55,419	75,126	85,377	66,157	-28,601	0	0
Net Interest Income	-17,518	-21,651	-20,921	-23,572	-27,594	-29,257	-29,145	-24,240	0	0	0	0	0
Non Operating Income Net Other	0	135,224	8,001	7,535	984	4,081	3,973	869	2,948	3,843	-74,511	0	0
Non Recurring	0	0	0	0	0	0	0	0	0	0	0	0	0
Operating Income	136,160	157,400	196,514	141,392	144,502	125,128	86,083	107,145	102,775	97,348	85,761	79,646	62,515
Other Items	0	0	0	0	0	0	0	0	0	0	0	0	0
Other Operating Expenses	558,549	461,009	393,282	369,196	342,872	328,741	321,061	282,362	270,109	263,781	271,479	262,038	258,607
Preferred Stock And Other Adjustments	0	0	0	0	0	0	0	0	0	0	0	0	0
Reconciled Depreciation	83,866	84,730	80,930	77,395	74,243	63,067	64,250	0	0	0	0	0	0
Research Development	0	0	0	0	0	0	0	0	0	0	0	0	0
Selling And Marketing Expenses	0	0	0	0	0	0	0	0	0	0	0	0	0
Selling General Administrative	107,168	89,770	68,048	70,808	61,411	68,717	56,161	46,986	37,278	41,276	38,810	25,586	29,382
Tax Provision	10,618	28,983	20,562	19,002	12,975	12,596	4,780	8,271	-3,335	0	0	0	0
Total Operating Expenses	128,172	168,388	143,118	142,326	129,493	131,784	120,411	106,553	102,252	107,264	109,176	103,178	103,230
Total Other Income Expense Net	-50,807	110,452	-14,809	-17,539	-27,827	3,294	3,261	492	2,453	3,515	-74,747	-7,927	-17,368
Total Revenue	694,709	618,409	589,796	510,588	487,374	453,869	407,144	389,507	372,884	361,129	357,240	341,684	321,122

	2023-12-31	2023-09-30	2023-06-30	2023-03-31	2022-12-31	2022-09-30	2022-06-30	2022-03-31	2021-12-31	2021-09-30	2021-06-30	2021-03-31	2020-12-31	2020-09-30	2020-06-30	2020-03-31	2019-12-31	2019-09-30	2019-06-30	2019-03-31	2018-12-31	2018-09-30	2018-06-30	2018-03-31	2017-12-31	2017-09-30	2017-06-30	2017-03-31	2016-12-31	2016-09-30	2016-06-30	2016-03-31	2015-12-31	2015-09-30	2015-06-30	2015-03-31	2014-12-31	2014-09-30	2014-06-30	2014-03-31	2013-12-31	2013-09-30	2013-06-30	2013-03-31	2012-12-31	2012-09-30	2012-06-30	2012-03-31	2011-12-31	2010-12-31
Cost Of Revenue	128,548	81,280	80,452	76,417	77,377	76,272	74,313	64,659	67,984	62,995	59,381	59,804	57,970	57,854	56,979	54,067	58,881	51,878	52,601	50,019	50,942	49,464	49,131	47,420	50,748	62,699	43,030	44,173	48,682	41,753	41,966	42,577	42,636	44,821	40,665	39,795	41,408	38,625	38,839	37,645	41,128	39,114	42,257	40,502	40,391	40,897	39,831	37,741	155,377	155,085
Depreciation And Amortization	31,574	18,816	25,432	22,730	27,505	21,581	20,089	23,703	18,979	18,745	18,723	18,623	17,757	19,614	19,556	18,968	19,837	20,938	17,195	16,273	15,684	15,788	15,728	15,867	16,061	16,606	15,899	15,684	15,067	14,889	14,941	15,207	15,207	16,933	16,006	16,828	16,531	16,453	16,390	16,614	17,292	17,657	17,842	17,575	17,975	17,765	17,830	17,922	0	0
Discontinued Operations	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0
Ebit	21,735	45,941	39,943	40,090	40,890	23,818	46,647	46,045	52,838	48,078	57,381	46,218	42,066	46,961	26,328	33,572	34,620	35,773	36,999	38,094	29,637	33,934	30,910	34,728	16,864	9,314	31,688	32,194	24,294	27,626	29,173	28,501	28,135	21,114	28,597	27,510	21,136	26,543	26,236	27,276	28,099	22,564	14,982	20,787	27,547	18,303	10,423	15,766	0	0
Ebitda	53,309	64,757	65,375	62,820	68,395	45,399	66,736	69,748	71,817	66,823	76,104	64,841	59,823	66,575	45,884	52,540	54,457	56,711	54,194	54,367	45,321	49,722	46,638	50,595	32,925	25,920	47,587	47,878	39,361	42,515	44,114	43,708	43,342	38,047	44,603	44,338	37,667	42,996	42,626	43,890	45,391	40,221	32,824	38,362	45,522	36,068	28,253	33,688	0	0
Effect Of Accounting Charges	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0
Extraordinary Items	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0
Gross Profit	66,073	91,918	86,624	83,397	84,410	69,531	86,258	85,589	87,253	82,888	89,767	79,724	76,232	78,653	60,958	67,875	68,305	66,926	69,947	68,817	67,289	62,553	64,216	62,854	48,880	40,026	60,481	57,107	53,207	52,714	55,706	52,956	53,541	47,957	52,576	51,537	52,748	50,017	52,282	49,565	52,184	48,300	46,918	46,837	50,594	42,942	44,541	44,747	165,745	0
Income Before Tax	12,738	5,098	34,636	32,881	34,780	146,787	41,244	45,041	47,276	42,394	51,723	40,312	35,821	41,094	20,145	26,793	28,000	28,506	29,626	30,543	22,494	26,377	23,245	27,049	9,457	1,302	24,282	25,158	17,969	21,350	23,035	22,649	23,234	15,110	22,387	21,309	14,835	20,173	19,735	20,367	21,652	16,161	-69,947	5,523	12,430	3,519	-2,831	4,590	0	25,159
Income Tax Expense	931	-4,858	6,586	2,818	6,072	9,048	7,688	6,175	6,088	7,134	2,632	4,708	3,451	6,513	4,520	4,518	2,957	3,720	2,489	3,809	2,247	3,302	3,112	3,935	3,532	-4,840	4,068	2,020	1,955	1,639	2,801	802	-9,388	1,687	2,120	2,246	2,373	1,082	1,962	2,161	1,613	1,358	-5,012	51	-61,159	1,243	-798	1,056	0	8,567
Interest Expense	24,929	5,709	5,640	5,643	6,530	6,763	5,932	5,547	5,562	5,684	5,658	5,906	6,245	5,867	6,183	6,779	6,620	7,267	7,373	7,551	7,143	7,557	7,665	7,679	7,407	8,012	7,406	7,036	6,325	6,276	6,138	5,852	5,852	6,003	6,210	6,201	6,301	6,370	6,501	6,909	6,447	6,403	9,747	15,264	15,117	14,784	13,254	11,176	47,957	13,506
Interest Income	3,350	1,926	2,103	1,133	842	807	805	667	546	504	450	389	337	429	373	363	353	348	257	7,070	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0
Minority Interest	-328	80	105	11	0	-75	-33	-32	72	54	4,277	101	92	118	141	64	30	32	79	90	48	78	81	92	91	40	125	109	41	31	-1	19	3,499	0	0	0	3,499	0	0	0	0	0	0	0	0	0	0	0	0	0
Net Income	11,479	10,036	28,155	30,052	28,708	137,814	33,589	38,898	41,116	35,314	49,197	35,503	32,278	34,463	15,484	22,211	25,013	24,754	27,058	26,644	20,199	22,997	20,052	23,022	5,834	6,102	20,089	23,029	15,973	19,680	20,235	21,847	32,622	13,423	20,267	19,063	12,462	19,091	17,773	18,206	20,039	14,803	-64,935	5,472	73,589	2,276	-2,033	3,534	24,214	0
Net Income Applicable To Common Shares	0	10,036	28,155	30,052	28,708	137,814	33,589	38,898	41,116	35,314	49,197	35,503	32,278	34,463	15,484	22,211	25,013	24,754	27,058	26,644	20,199	22,997	20,052	23,022	5,834	6,102	20,089	23,029	15,973	19,680	20,235	19,148	32,624	13,423	20,267	19,063	12,851	19,091	17,773	18,206	20,039	14,803	-64,935	5,472	73,589	2,276	-3,534	3,534	24,214	16,592
Net Income From Continuing Ops	11,807	9,956	28,050	30,063	28,708	137,739	33,556	38,866	41,188	35,260	49,091	35,604	32,370	34,581	15,625	22,275	25,043	24,786	27,137	26,734	20,247	23,075	20,133	23,114	5,925	6,142	20,214	23,138	16,014	19,711	20,234	19,167	32,624	13,423	20,267	19,063	12,462	19,091	17,773	18,206	16,059	14,803	-64,935	5,472	0	0	0	0	0	0
Net Interest Income	-11,979	-3,783	-3,537	-4,510	-5,688	-5,956	-5,127	-4,880	-5,016	-5,180	-5,208	-5,517	-5,908	-5,438	-5,810	-6,416	-6,267	-6,919	-7,116	-7,292	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0
Non Operating Income Net Other	0	0	5,503	-1,566	420	129,732	529	4,543	2,632	1,061	3,089	1,219	2,871	3,117	738	809	13	971	-689	689	1,065	1,573	270	1,173	171	506	1,694	1,602	-1,086	619	981	355	951	518	975	504	566	83	807	2,387	1,539	700	-77,138	388	0	0	0	0	0	0
Non Recurring	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0
Operating Income	21,735	39,562	34,773	40,090	40,890	23,818	46,647	46,045	50,206	47,017	54,292	44,999	39,195	43,844	25,590	32,763	34,607	34,802	37,688	37,405	28,572	32,361	30,640	33,555	16,689	8,808	29,994	30,592	25,380	27,007	28,192	27,550	28,135	20,595	27,622	27,006	20,570	26,460	25,429	24,889	26,560	21,864	16,938	20,399	25,692	17,882	18,234	17,838	66,472	0
Other Items	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0
Other Operating Expenses	172,886	133,636	132,303	119,724	120,897	121,985	113,924	104,203	105,031	98,866	94,856	94,529	95,007	92,663	92,347	89,179	92,579	84,002	84,860	81,431	89,659	79,656	82,707	76,719	82,939	93,917	73,517	70,688	76,509	67,460	69,480	67,983	68,042	72,183	65,619	64,326	73,586	62,182	65,692	62,321	66,752	65,550	72,237	66,940	65,293	65,957	66,138	64,650	0	0
Preferred Stock And Other Adjustments	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0
Reconciled Depreciation	29,941	18,816	25,432	19,432	26,298	19,712	19,560	19,160	24,839	18,745	18,723	18,623	19,257	19,614	19,556	18,968	19,837	20,938	17,195	16,273	15,684	15,788	15,728	15,867	16,061	16,606	15,899	15,684	15,067	14,889	14,941	15,207	15,207	16,933	16,006	16,828	16,531	16,453	16,390	16,614	17,292	17,657	17,842	17,575	17,975	17,765	17,830	17,922	0	0
Research Development	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0
Selling And Marketing Expenses	0	0	0	0	0	0	0	0	0	0	0	0	1,963	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	698	0	0	0	0	0	0	0	0	0
Selling General Administrative	44,338	30,437	29,522	23,875	23,334	26,001	20,051	20,384	18,068	17,126	16,752	19,280	17,317	16,682	17,529	17,317	16,056	15,152	15,064	15,139	23,033	14,404	17,848	13,432	16,130	14,612	14,588	10,831	12,760	10,818	12,573	10,199	10,199	10,428	8,948	7,703	15,647	7,104	10,463	8,062	9,030	8,779	12,138	8,863	827	7,295	8,477	8,987	29,382	33,373
Tax Provision	931	-4,858	6,586	2,818	6,072	9,048	7,688	6,175	6,088	7,134	2,632	4,708	3,451	6,513	4,520	4,518	2,957	3,720	2,489	3,809	2,247	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0
Total Operating Expenses	44,338	52,356	51,851	43,307	43,520	45,713	39,611	39,544	37,047	35,871	35,475	34,725	37,037	34,809	35,368	35,112	33,698	32,124	32,259	31,412	38,717	30,192	33,576	29,299	32,191	31,218	30,487	26,515	27,827	25,707	27,514	25,406	25,406	27,362	24,954	24,531	32,178	23,557	26,853	24,676	25,624	26,436	29,980	26,438	24,902	25,060	26,307	26,909	0	0
Total Other Income Expense Net	-8,997	-30,681	3,400	-7,209	-6,110	122,969	-5,403	-1,004	2,086	557	2,639	830	2,534	2,688	365	446	-340	623	-946	430	804	1,368	106	1,016	19	347	1,478	1,417	-1,197	532	889	827	827	378	848	400	483	-8	728	2,312	1,450	646	-77,187	344	1,772	383	-7,888	-2,194	0	0
Total Revenue	194,621	173,198	167,076	159,814	161,787	145,803	160,571	150,248	155,237	145,883	149,148	139,528	134,202	136,507	117,937	121,942	127,186	118,804	122,548	118,836	118,231	112,017	113,347	110,274	99,628	102,725	103,511	101,280	101,889	94,467	97,672	95,533	96,177	92,778	93,241	91,332	94,156	88,642	91,121	87,210	93,312	87,414	89,175	87,339	90,985	83,839	84,372	82,488	321,122	297,429

Latest Income Statement (annual, 2023-12-31)

Gross Profit (+$)
totalRevenue	694,709
Cost of Revenue	-430,377
Gross Profit	264,332	264,332

Operating Income (+$)
Gross Profit	264,332
Operating Expense	-128,172
Operating Income	136,160	136,160

Operating Expense (+$)
Research Development	0
Selling General Administrative	107,168
Selling And Marketing Expenses	0
Operating Expense	128,172	107,168

Net Interest Income (+$)
Interest Income	6,004
Interest Expense	-40,621
Other Finance Cost	-17,099
Net Interest Income	-17,518

Pretax Income (+$)
Operating Income	136,160
Net Interest Income	-17,518
Other Non-Operating Income Expenses	0
Income Before Tax (EBT)	85,353	186,967 EBIT - interestExpense = 95,539 85,199 120,343
Interest Expense	40,621
Earnings Before Interest and Taxes (EBIT)	136,160	125,974
Earnings Before Interest and Taxes (EBITDA)	236,033

After tax Income (+$)
Income Before Tax	85,353
Tax Provision	-10,618
Net Income From Continuing Ops	96,777	74,735
Net Income	79,722
Net Income Applicable To Common Shares	0

Non-recurring Events
Discontinued Operations	0
Extraordinary Items	0
Effect of Accounting Charges	0
Other Items	0
Non Recurring	0
Other Operating Expenses	558,549
Total Other Income/Expenses Net	-50,807	17,518

Technical Analysis of Evertec Inc
The psychology behind the price

Technical indicators reflecting market sentiment and the collective psychology of you and other traders. Your emotions and other traders' emotions, such as fear and greed, play a significant role in driving price movements.

General trend

First of all, I'm going to put something in the back of your mind. One of the most stable factors that gives you more confidence as a trader: the general trend of Evertec Inc. The general trend of Evertec Inc is BEARISH with 42.9% confidence. It is very important for your mental being to use each indicator with this in mind. But beware, also the general trend flips once in a while! You can use moving averages to determine Evertec Inc's overall trend. For convenience I use the most commonly used moving averages: 20, 50, 100 & 200. Of course you can use other moving averages or other indicators to determine the trend.

Indicator phases

Some of the indicators I use have 3 zones: overbought, oversold and neutral. Transitions between these zones (market phases) provide valuable trading signals and insights. Expecially with the general trend mind, I use the highlighted phases:

Indicator zone transitions	Bullish trend (-42.9%)		Bearish trend (42.9%)
Overbought to neutral	Bullish pullback	=	Bearish reversal
Upper to lower neutral	Bullish correction	=	Bearish continuation
Nuetral to oversold	Oversold	=	Oversold
Oversold to neutral	Bullish reversal	=	Bearish correction
Lower to upper neutral	Bullish continuation	=	Bearish pullback
Nuetral to overbought	Overbought	=	Overbought

1. Price Targets

1.1 Support & Resistance

Support and resistance are levels on a price chart that act as barriers or zones where the price of an asset tends to stop, reverse, or experience a significant amount of buying or selling pressure.

Support is a price level at which demand for an asset is strong enough to prevent the price from falling further.
Resistance is a price level at which selling pressure becomes significant enough to prevent the price of an asset from rising further.

Score

Let's take a look at the Support & Resistance of Evertec Inc.

The long score for the Support & Resistance is 0/1.
The longshort score for the Support & Resistance is 0/(-1 +1).

Between support/resistance: The price is trading between support and resistance lines.

The bullish price targets are: 39.50 < 39.99 < 40.04.

The bearish price targets are: 35.55 > 32.34 > 31.55.

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Evertec Inc Daily Support & Resistance Chart

2. Trend Indicators

2.1 Moving Averages

Shows the moving average of the selected period.

Moving averages are lagging trend indicators.
There are many types of moving averages.
Moving averages are also used within other indicators.

Score

Let's take a look at the Moving Averages of Evertec Inc. The current mas is .

The long score for the Moving Averages is 4/14.
The longshort score for the Moving Averages is -6/(-14 +14).

MA 20 trending down: The MA 20 is trending down. -1
Close < MA 20: The price is below the MA 20. -1
MA 20 < MA 50: The MA 20 is lower than the MA 50. -1
MA 20 < MA 100: The MA 20 is lower than the MA 100. -1
MA 20 < MA 200: The MA 20 is lower than the MA 200. -1
MA 50 trending down: The MA 50 is trending down. -1
Close < MA 50: The price is below the MA 50. -1
MA 50 < MA 100: The MA 50 is lower than the MA 100. -1
MA 50 > MA 200: The MA 50 is higher than the MA 200. +1
MA 100 trending up: The MA 100 is trending up. +1
Close < MA 100: The price is below the MA 100. -1
MA 100 > MA 200: The MA 100 is higher than the MA 200. +1
MA 200 trending up: The MA 200 is trending up. +1
Close < MA 200: The price is below the MA 200. -1

Directionalities and relatives.

Moving Average	Amount of candles	vs. MA 50	vs. MA 100	vs. MA 200
MA 20	20
MA 50	50	-
MA 100	100	-	-
MA 200	200	-	-	-

Explanation: https://www.youtube.com/watch?v=xwW8h0lrQ-I

Shows the moving average of the selected period.

There are four types of indicators:

Trend indicators
Momentum indicators
Volatility indicators
Volume indicators

There are various kinds of moving averages:

Simple moving average (SMA);
Exponential moving average (EMA);
Smoothed moving average (SMMA);
Linear weighted moving average (LWMA).

The moving average looks at a certain period of time and it calculates the price average. The various types of averages are using various formulas. Don’t worry, you don’t have to memorize any formula. All moving averages are calculated automatically by basically every charting software you use. But it’s good to know how moving averages are actually calculated.

Simple moving average

SMA is calculated by summing up the price closures of the selected period. The price is then divided by the selected period. For example, when using the 21 day moving average you sum up all the closing prices for each day and divide that by 21. The result is a line on the chart representing the average. Because it’s an average in the selected timeframe, the trend is always lagging. An moving average looks like this on the chart:

Source: Tradingview.com

In this case, the blue line represents a 21 day moving average. Because the average is based on results from the past, the indicator will always lag behind. For example, when price would suddenly go up, the moving average won't immediately follow.

All other moving averages discussed below look the same on the chart. The only difference is that the line will move in different directions based on the maths behind the used indicators and the amount of days used to determine the average.

Exponential moving average

The EMA gives more weight to the latest closing prices by giving them more value in the equation. EMA is calculated by adding a certain percentage to the latest closing prices:

EMA = (CLOSE (i) * P) + (EMA (i - 1) * (1 - P))

Where:

CLOSE (i) = current period close price.
EMA (i - 1) = value of the Moving Average of a preceding period.
P = the percentage of using the price value.

Smoothed moving average

A smoothed moving average is an exponential moving average with a long lookback period. Older prices are reduced in weight but are never left out in the calculation. Unlike SMA and EMA where prices are removed when they are beyond the selected period. SMMA is a combination of the SMA and EMA. The main advantage is that it smooths out fluctuations in price.

Linear weighted moving average

The LWMA gives the latest price the highest weight and then lineary scales down with each price before that. The result is that the LWMA reacts quicker to changes in price than the SMA or EMA. The formula:

LWMA = ((Pn∗W1)+(Pn−1∗W2)+(Pn−2∗W3)...) / ∑W

Where:

P = Price for the period.
n = The most recent period, n-1 is the prior period, and n-2 is two periods prior.
W = The assigned weight to each period, with the highest weight going first and then descending linearly based on the number of periods being used.

Moving averages are widely used by many traders. Which moving average you need depends on your trading strategy. Common practise is using a combination of multiple periods. For example, the EMA21, EMA50, EMA100 and EMA200. How does that look on a chart:

Source: Tradingview.com

The lowest (purple) line on the chart represents the EMA200 then following up the EMA100, EMA50 and EMA21.

You can use moving averages to determine a trend. The 200 moving average is mostly used as a baseline for determining the current trend:

When the 200 moving average is moving up it is considered a bullish trend.
When the 200 moving average is down it is considered a bearish trend.
When moving averages are flatlined, there is no clear trend so you should look for market structure, consolidation or trend reversals. Depending on how you want to trade.

This is not set in stone. Most trading strategies use multiple moving averages each with different settings. While one strategy might use the EMA20, the other uses the SMA21. There can be hundreds of different variations. Moving averages can also be used as support and resistance. More often than not, prices will bounce on moving averages.

2.2 Moving Average Convergence/Divergence (MACD)

Shows the momentum of the selected period based on two moving averages.

MACD is a lagging momentum indicator.
Uses two moving averages.
Can show buy or sell signals based on momentum.
Can show overbought. and oversold. levels.

Score

Let's take a look at the Moving Average Convergence/Divergence (MACD) of Evertec Inc. The current macd is -0.3464176.

The long score for the Moving Average Convergence/Divergence (MACD) is 0/4.
The longshort score for the Moving Average Convergence/Divergence (MACD) is -4/(-4 +4).

MACD line < signal line: The MACD line is below the signal line, which indicates a bearish signal in the market. This means that the negative momentum is currently stronger than the average momentum, suggesting that sellers are more active than buyers, and there's a higher probability of the Evertec Inc price going down in the near term. -2
MACD < 0: The MACD is below the zero line (centerline), it indicates a bearish signal for Evertec Inc. This means that the short-term moving average is lower than the long-term moving average, signaling negative momentum and suggesting a higher likelihood of the Evertec Inc price continuing to fall in the near future. It indicates that sellers are gaining control, and there is negativism in the market, leading to potential price decreases. -1
Trending down: The MACD line is trending down. This indicates that the short-term moving average is falling faster than the long-term moving average, suggesting negative momentum in the market. This signals that sellers are becoming more active and insecure, leading to potential price decreases as traders anticipate further losses and are willing to sell at lower prices. -1

Evertec Inc Daily Moving Average Convergence/Divergence (MACD) Chart

2.3 Directional Movement Index (DMI)

The DMI is a collection of 3 indicators: +DI (Plus Direction Indicator), -DI (Minus Direction Indicator) and ADX (Average Directional Index). The ADX helps you determine the strength of a trend.

Score

Let's take a look at the Directional Movement Index (DMI) of Evertec Inc. The current adx is 13.87.

The long score for the Directional Movement Index (DMI) is 0/7.
The longshort score for the Directional Movement Index (DMI) is -2/(-7 +7).

PLUS_ID < MINUS_DI: The +DI line is below the -DI line. This indicates a bearish signal in the market, as the negative directional movement is currently stronger than the positive directional movement, showing that sellers have the upper hand. Market psychology suggests that traders are pessimistic, expecting further price decreases, and are more willing to sell Evertec Inc shares, leading to potential downward momentum in its price. -1
PLUS_ID < MINUS_DI && ADX < 25 && ADX trending up: The ADX is below 25 and indicates a weak or no trend. However, the ADX is rising and a new bearish trend could be forming. -1

Evertec Inc Daily Directional Movement Index (DMI) Chart

2.4 Parabolic SAR

Shows the current trend and potential entry and exit signals.

Parabolic SAR (stop and reverse) is a lagging trend indicator.
Shows the current trend.
Shows potential entry signals.
Shows potential exit signals.
Can be used to place trailing stoplosses..

Score

Let's take a look at the Parabolic SAR of Evertec Inc. The current sar is 40.25.

The long score for the Parabolic SAR is 0/1.
The longshort score for the Parabolic SAR is -1/(-1 +1).

Close < SAR: The price is below the SAR. It's generally considered a bearish signal. -1

3. Momentum Indicators

3.1 Relative Strength Index (RSI)

Measures the speed and change of price movements.

Leading momentum indicator, meaning the signals are instant.
Ranges between 0 and 100.
Above 70 is considered overbought.
Below 30 is considered oversold.
Above or below 50 can also be used to determine price trend or support and resistance.
RSI divergence looks at a deviation between RSI and price movement. Penketrading automatically calculates RSI divergences.
Can be used in many different ways

Score

Let's take a look at the Relative Strength Index (RSI) of Evertec Inc. The current rsi is 41.56. The current phase is Continuation in bear market.

The long score for the Relative Strength Index (RSI) is 1/13.
The longshort score for the Relative Strength Index (RSI) is -2/(-13 +13).

Continuation in bear market: Downtrend continues after a consolidation or pullback. Hold or add to short positions.
Trending up: The RSI is trending up. +1

Measures the speed and change of price movements.

There are four types of indicators:

Trend indicators
Momentum indicators
Volatility indicators
Volume indicators

The RSI measures the magnitude of recent price changes to determine if the asset is overbought or oversold.

Overbought (RSI above 70) means that the trading price is above its intrinsic value. This might indicate a sell or short signal.
Oversold (RSI below 30) means that the trading price is below its intrinsic value. This might indicate a buy or long signal.
RSI levels above or below 50 can also be used to determine a trend.
RSI divergence looks at a deviation between RSI and price movement.
Can be used in many different ways.

Original usage

Keep in mind that almost every indicator can be used in different ways. Even beyond the orginal settings. The relative strength index was developed by J. Welles Wilder. Wilder recommended a smoothing period of 14 days. That means a 14 day moving average (read more about this setting below). Another quote from the wikipedia page:

Wilders also considers the RSI 50 line as both support and resistance. I recommend to always read the original settings first before using an indicator. Many traders and websites are using their own version of the indicator which might be confusing.

How you can use RSI (Divergence)

First and foremost, there is no real right or wrong usage of the RSI indicator. You can use it in any way you want. Wilder recommends using a 14 day average but you can make it 50 or 100 if you like. Just keep in mind that using an indicator is just part of a larger trading plan. In other words, it’s not recommended to do any trading or investing based on a single indicator like the RSI.

The RSI is measured on a scale between 0 and 100. From 30 till 0 is considered oversold. and from 70 -100 is overbought. The RSI is a leading indicator, meaning the signals are instant.

I like to use the RSI as a trend\momentum indicator and not as an overbought or oversold indicator. I use the middle (50) as the baseline. When prices go above RSI 50 the trend is bullish and can indicate long positions. When below 50 it is considered bearish and can indicate short positions. Other traders use the 70 and 30 levels as overbought/oversold depending on the used strategy. The RSI indicator looks like this:

Source: Tradingview.com

The general concensus is that an RSI above 70 indicates that the security is overbought. In other words, the price this security is trading for is to high and should come down. So if RSI hits 70 or above this might indicate a sell signal or taking a short position (expecting the price will go down). Although RSI above 70 indicates the security is trading above it's fair value, that does not mean the price will go down.

Use tradingview to add indicators

I highly recommend using tradingview to add indicators to a chart. It has all the indicators you can think off and can add them for free (up to three indicators) to any chart you want. You can see that the levels 30 and 70 are marked with a dotted line. If you want you can remove these lines or give it another colour using Tradingview. You can also adjust the moving average used. You can also find RSI indicators made by the community that include other settings like RSI divergences.

Tradingview

Use Tradingview to (back)test your strategies and add hundreds of indicators created by the community.

View tool on Tradingview.com

RSI divergence

RSI is not only used to determine momentum but can also spot reversals or continuations of the trend. A reversal means that the trend is going in the opposite direction. From bullish to bearish or from bearish to bullish. These reversals can be spotted by looking at the price and the direction of the RSI. When the price is going up but the RSI is going down that means there is a divergence. This is also the case when RSI goes up but price is going down.

There are four types of divergences:

Regular bullish divergence
Regular bearish divergence
Hidden bullish divergence
Hidden bearish divergence

Regular bullish divergence

With a regular bullish divergence, the price is making lower highs but the oscillator (in this case the RSI) is making higher lows. A regular bullish divergence might indicate the end of the current trend. You’ll see regular bullish divergences mostly at the end of a downtrend. But that does not mean that every regular bullish divergence is a trend reversal.

Price is making lower highs
RSI is making higher lows
Indicating bullish reversal (price might go up)

Source: Tradingview.com

Regular bearish divergence

With a regular bearish divergence the price is making higher highs but the oscillator (in this case the RSI) is making lower highs. This might indicate the end of an uptrend.

Price is making higher highs
RSI is making lower highs
Indicating bearish reversal

Source: Tradingview.com

Hidden bullish divergence

With a hidden bullish divergence, the price is making a higher low while the RSI is making a lower low. This might indicate bullish trend continuation.

Price is making higher lows
RSI is making lower lows
Indicating bullish continuation

Source: Tradingview.com

As you have noticed, you can have multiple divergences in a row.

Hidden bearish divergence

With a hidden bearish divergence, price is making lower highs but RSI is making higher highs. This might indicate bearish trend continuation.

Price is making lower highs
RSI making higher highs
Indicating bearish continuation

Source: Tradingview.com

You can find many cheatsheets of RSI divergences online. Search for "RSI divergence overview" and you'll find a lot of examples. You can print these to learn the various types of divergences.

Evertec Inc Daily Relative Strength Index (RSI) Chart

3.2 Stochastic Oscillator

Compares a certain price to multiple prices ranging over time.

Leading momentum indicator, meaning the signals are instant.
Used to determine overbought and oversold areas much like the RSI.
Ranges between 0 and 100.
Above 80 is considered overbought.
Below 20 is considered oversold.
Consists of two lines named K and D.
K compares the highest high and lowest low on the selected price range.
The D line is a moving average of the K line.
Can be used to spot divergences

Score

Let's take a look at the Stochastic Oscillator of Evertec Inc. The current phase is Oversold in bear market.

The long score for the Stochastic Oscillator is 1/6.
The longshort score for the Stochastic Oscillator is -4/(-6 +6).

STOCH < 50: The STOCH %K is below 50. There are more sellers than buyers. -1
STOCH < 20: The STOCH %K is below 20 and oversold. -2
STOCH %K line < STOCH %D line: The STOCH %K line is below the STOCH %D line, which indicates a bearish signal in the market. This means that the negative momentum is currently stronger than the average momentum, suggesting that sellers are more active than buyers, and there's a higher probability of the Evertec Inc price going down in the near term. -2
Trending up: The STOCH %K is trending up. +1

Evertec Inc Daily Stochastic Oscillator Chart

3.3 Commodity Channel Index (CCI)

Measures the difference between the current price and the historical average price.

Lagging or leading Momentum indicator
When the CCI is above zero, the price is above the historical average
When the CCI is below zero, the price is below the historical average
Used for spotting trends
- If the CCI moves from negative or near zero to positive 100 that might indicate an uptrend
- If the CCI moves from positive or near zero to negative -100 that might indicate a downtrend

Score

Let's take a look at the Commodity Channel Index (CCI) of Evertec Inc. The current cci is -120.41940407.

The long score for the Commodity Channel Index (CCI) is 0/1.
The longshort score for the Commodity Channel Index (CCI) is -1/(-1 +1).

CCI < -100: The CCI is below -100, it indicates that the price is significantly below its average, suggesting a potential oversold condition. -1

Evertec Inc Daily Commodity Channel Index (CCI) Chart

3.4 Chande Momentum Oscillator (CMO)

Measures the difference between the sum of recent gains and the sum of recent losses. Then divides the result by the sum of all price movements in that period.

Lagging momentum indicator
Ranges between +100 and -100
Considered overbought above +50
Considered oversold below -50
It's possible to add a moving average that acts as a signal line

Score

Let's take a look at the Chande Momentum Oscillator (CMO) of Evertec Inc. The current cmo is -22.45883052.

The long score for the Chande Momentum Oscillator (CMO) is 0/1.
The longshort score for the Chande Momentum Oscillator (CMO) is -1/(-1 +1).

CMO < 0: The CMO is below 0, the momentum of the price is negative, indicating a potential downtrend in the price. -1

Evertec Inc Daily Chande Momentum Oscillator (CMO) Chart

3.5 Williams %R

Shows the current price relative to the highest high over the last 14 days.

Lagging momentum indicator
Ranging between 0 and -100
Above -20 is considered overbought
Below -80 is considered oversold
Is prone to give false signals

Score

Let's take a look at the Williams %R of Evertec Inc. The current willr is -95.46666667.

The long score for the Williams %R is 0/1.
The longshort score for the Williams %R is -1/(-1 +1).

WILLR < -80: The Williams %R is below -80. This indicates that the price is in oversold territory, suggesting a potential price correction or trend reversal to the upside. -1

4. Volatility Indicators

4.1 Bollinger Bands

Shows if the price is to high or to low relative to an average.

Lagging volatility indicator
Uses 3 bands: one upper, one lower and one in the middle
Works best when the middle band reflects an intermediate trend (MA20).
When the price is moving closer to the upper band, the market might be overbought
When the price is moving closer to the lower band, the market might be oversold

Score

Let's take a look at the Bollinger Bands of Evertec Inc.

4.2 Average True Range (ATR)

Measures market volatility

Leading volatility indicator
Can be used to determine stop-loss positions
Calculated by:
- Current high minus the current low
- Current high minus the previous close
- Current low minus the previous close
The larger the range of the candles, the greater the ATR value

Score

Let's take a look at the Average True Range (ATR) of Evertec Inc. The current atr is 0.81077462.

Evertec Inc Daily Average True Range (ATR) Chart

5. Volume Indicators

5.1 On-Balance Volume (OBV)

Measures market volatility

Leading momentum indicator
Calculation:
- If the closing price is above the previous closing price: OBV = previous OBV + current volume
- If the closing price is below the previous closing price: OBV = previous OBV - current volume
- If the closing price is the same as the previous closing price than the OBV is the same.
Can be used to confirm price trends
Can be used with divergences

Score

Let's take a look at the On-Balance Volume (OBV) of Evertec Inc. The current obv is 2,255,070.

Evertec Inc Daily On-Balance Volume (OBV) Chart

5.2 Money Flow Index (MFI)

Measures the flow of money in and out of a security

Lagging momentum indicator
Looks like RSI but uses volume as an extra metric (RSI only considers price)
Above 80 is considered overbought
Below 20 is considered oversold
Can be used with divergences

Score

Let's take a look at the Money Flow Index (MFI) of Evertec Inc. The current mfi is 49.66.

The long score for the Money Flow Index (MFI) is 0/2.
The longshort score for the Money Flow Index (MFI) is -1/(-2 +2).

MFI < 50: -1

Evertec Inc Daily Money Flow Index (MFI) Chart

6. Summary

6.1. Notifications

Type	Notification	Date
Currently no notifications for Evertec Inc.

6.2. Trading Signals

Below you will find trading signals as the indicator is commonly used. This doesn't mean you should use it that way. Learn from these, but don't use them blindly. I recommend using at least 4 indicators, 1 from each category: trend, momentum, volatility and volume.

Date	Indicator	Signal
2023-11-24	STOCH	SHORT EXIT		The %K line crosses above the %D line.
2023-11-27	STOCH	LONG EXIT		The %K line crosses below the %D line.
2023-11-30	STOCH	SHORT EXIT		The %K line crosses above the %D line.
	CCI	LONG ENTRY	SHORT CLOSE	100 crossover to upside
	WILLR	LONG ENTRY	SHORT CLOSE	-20 crossover to upside
	ATR	LONG ENTRY	SHORT CLOSE	Price closed above (close + ATR).
2023-12-01	BB	SHORT ENTRY	LONG CLOSE	Price closed above the lower band.
	ATR	LONG ENTRY	SHORT CLOSE	Price closed above (close + ATR).
2023-12-04	STOCH	LONG EXIT		The %K line crosses below the %D line.
2023-12-06	STOCH	SHORT EXIT		The %K line crosses above the %D line.
2023-12-07	MFI	LONG ENTRY	SHORT CLOSE	80 crossover to upside
2023-12-08	STOCH	LONG EXIT		The %K line crosses below the %D line.
2023-12-11	STOCH	SHORT EXIT		The %K line crosses above the %D line.
2023-12-13	STOCH	LONG EXIT		The %K line crosses below the %D line.
2023-12-15	MFI	SHORT ENTRY	LONG CLOSE	80 crossover to downside
2023-12-19	STOCH	SHORT EXIT		The %K line crosses above the %D line.
	ATR	LONG ENTRY	SHORT CLOSE	Price closed above (close + ATR).
2023-12-20	STOCH	LONG EXIT		The %K line crosses below the %D line.
2023-12-21	STOCH	SHORT EXIT		The %K line crosses above the %D line.
	WILLR	LONG ENTRY	SHORT CLOSE	-20 crossover to upside
2023-12-22	STOCH	LONG EXIT		The %K line crosses below the %D line.
	CCI	LONG ENTRY	SHORT CLOSE	100 crossover to upside
2023-12-28	MACD	SHORT ENTRY	LONG CLOSE	The MACD line crosses below the signal line.
	SAR	SHORT ENTRY	LONG CLOSE	The price broke the SAR to the downside
	STOCH	SHORT EXIT		The %K line crosses above the %D line.
2023-12-29	RSI	SHORT ENTRY	LONG CLOSE	70 crossover to downside
	STOCH	LONG EXIT		The %K line crosses below the %D line.
2024-01-04	WILLR	SHORT ENTRY	LONG CLOSE	-80 crossover to downside
2024-01-05	CMO	SHORT ENTRY	LONG CLOSE	Zero line crossover to downside
	ATR	SHORT ENTRY	LONG CLOSE	Price closed below (close - ATR).
2024-01-08	STOCH	SHORT EXIT		The %K line crosses above the %D line.
2024-01-09	STOCH	LONG EXIT		The %K line crosses below the %D line.
	CCI	SHORT ENTRY	LONG CLOSE	-100 crossover to downside
	WILLR	SHORT ENTRY	LONG CLOSE	-80 crossover to downside
	BB	LONG ENTRY	SHORT CLOSE	Price closed below the lower band.
	ATR	SHORT ENTRY	LONG CLOSE	Price closed below (close - ATR).
2024-01-10	DMI	SHORT ENTRY	LONG CLOSE	The +DI crossed the -DI to the downside. The trend is reversing to a down trend.
2024-01-11	STOCH	SHORT EXIT		The %K line crosses above the %D line.
2024-01-12	DMI	LONG ENTRY	SHORT CLOSE	The +DI crossed the -DI to the upside. The trend is reversing to an up trend.
2024-01-16	DMI	SHORT ENTRY	LONG CLOSE	The +DI crossed the -DI to the downside. The trend is reversing to a down trend.
	STOCH	LONG EXIT		The %K line crosses below the %D line.
2024-01-18	STOCH	SHORT EXIT		The %K line crosses above the %D line.
2024-01-19	DMI	LONG ENTRY	SHORT CLOSE	The +DI crossed the -DI to the upside. The trend is reversing to an up trend.
	SAR	LONG ENTRY	SHORT CLOSE	The price broke the SAR to the upside.
2024-01-22	CMO	LONG ENTRY	SHORT CLOSE	Zero line crossover to upside
	ATR	LONG ENTRY	SHORT CLOSE	Price closed above (close + ATR).
2024-01-23	WILLR	LONG ENTRY	SHORT CLOSE	-20 crossover to upside
2024-01-24	STOCH	LONG EXIT		The %K line crosses below the %D line.
2024-01-25	MACD	LONG ENTRY	SHORT CLOSE	The MACD line crosses above the signal line.
2024-01-26	STOCH	SHORT EXIT		The %K line crosses above the %D line.
	WILLR	LONG ENTRY	SHORT CLOSE	-20 crossover to upside
2024-01-29	CCI	LONG ENTRY	SHORT CLOSE	100 crossover to upside
2024-01-30	STOCH	LONG EXIT		The %K line crosses below the %D line.
2024-01-31	ATR	SHORT ENTRY	LONG CLOSE	Price closed below (close - ATR).
2024-02-01	STOCH	SHORT EXIT		The %K line crosses above the %D line.
	WILLR	LONG ENTRY	SHORT CLOSE	-20 crossover to upside
2024-02-05	SAR	SHORT ENTRY	LONG CLOSE	The price broke the SAR to the downside
	STOCH	LONG EXIT		The %K line crosses below the %D line.
	CMO	SHORT ENTRY	LONG CLOSE	Zero line crossover to downside
2024-02-06	MACD	SHORT ENTRY	LONG CLOSE	The MACD line crosses below the signal line.
	CMO	LONG ENTRY	SHORT CLOSE	Zero line crossover to upside
2024-02-07	CMO	SHORT ENTRY	LONG CLOSE	Zero line crossover to downside
2024-02-08	STOCH	SHORT EXIT		The %K line crosses above the %D line.
	CMO	LONG ENTRY	SHORT CLOSE	Zero line crossover to upside
2024-02-09	MACD	LONG ENTRY	SHORT CLOSE	The MACD line crosses above the signal line.
	SAR	LONG ENTRY	SHORT CLOSE	The price broke the SAR to the upside.
	WILLR	LONG ENTRY	SHORT CLOSE	-20 crossover to upside
2024-02-12	CCI	LONG ENTRY	SHORT CLOSE	100 crossover to upside
	ATR	LONG ENTRY	SHORT CLOSE	Price closed above (close + ATR).
2024-02-13	STOCH	LONG EXIT		The %K line crosses below the %D line.
	CMO	SHORT ENTRY	LONG CLOSE	Zero line crossover to downside
	WILLR	SHORT ENTRY	LONG CLOSE	-80 crossover to downside
	ATR	SHORT ENTRY	LONG CLOSE	Price closed below (close - ATR).
2024-02-14	CMO	LONG ENTRY	SHORT CLOSE	Zero line crossover to upside
	ATR	LONG ENTRY	SHORT CLOSE	Price closed above (close + ATR).
2024-02-15	STOCH	SHORT EXIT		The %K line crosses above the %D line.
	CCI	LONG ENTRY	SHORT CLOSE	100 crossover to upside
	WILLR	LONG ENTRY	SHORT CLOSE	-20 crossover to upside
	BB	SHORT ENTRY	LONG CLOSE	Price closed above the lower band.
	ATR	LONG ENTRY	SHORT CLOSE	Price closed above (close + ATR).
2024-02-20	STOCH	LONG EXIT		The %K line crosses below the %D line.
2024-02-22	MACD	SHORT ENTRY	LONG CLOSE	The MACD line crosses below the signal line.
	CMO	SHORT ENTRY	LONG CLOSE	Zero line crossover to downside
2024-02-23	STOCH	SHORT EXIT		The %K line crosses above the %D line.
	CMO	LONG ENTRY	SHORT CLOSE	Zero line crossover to upside
2024-02-28	DMI	SHORT ENTRY	LONG CLOSE	The +DI crossed the -DI to the downside. The trend is reversing to a down trend.
	SAR	SHORT ENTRY	LONG CLOSE	The price broke the SAR to the downside
	STOCH	LONG EXIT		The %K line crosses below the %D line.
	CMO	SHORT ENTRY	LONG CLOSE	Zero line crossover to downside
	ATR	SHORT ENTRY	LONG CLOSE	Price closed below (close - ATR).
2024-02-29	CCI	SHORT ENTRY	LONG CLOSE	-100 crossover to downside
	WILLR	SHORT ENTRY	LONG CLOSE	-80 crossover to downside
	BB	LONG ENTRY	SHORT CLOSE	Price closed below the lower band.
	ATR	SHORT ENTRY	LONG CLOSE	Price closed below (close - ATR).
2024-03-01	RSI	LONG ENTRY	SHORT CLOSE	30 crossover to upside
	STOCH	SHORT EXIT		The %K line crosses above the %D line.
2024-03-05	STOCH	LONG EXIT		The %K line crosses below the %D line.
2024-03-06	STOCH	SHORT EXIT		The %K line crosses above the %D line.
2024-03-07	STOCH	LONG EXIT		The %K line crosses below the %D line.
	CCI	SHORT ENTRY	LONG CLOSE	-100 crossover to downside
	WILLR	SHORT ENTRY	LONG CLOSE	-80 crossover to downside
2024-03-08	STOCH	SHORT EXIT		The %K line crosses above the %D line.
2024-03-14	STOCH	LONG EXIT		The %K line crosses below the %D line.
2024-03-15	STOCH	SHORT EXIT		The %K line crosses above the %D line.
2024-03-20	MACD	LONG ENTRY	SHORT CLOSE	The MACD line crosses above the signal line.
2024-03-21	CMO	LONG ENTRY	SHORT CLOSE	Zero line crossover to upside
	WILLR	LONG ENTRY	SHORT CLOSE	-20 crossover to upside
2024-03-22	STOCH	LONG EXIT		The %K line crosses below the %D line.
	CMO	SHORT ENTRY	LONG CLOSE	Zero line crossover to downside
2024-03-25	STOCH	SHORT EXIT		The %K line crosses above the %D line.
	CMO	LONG ENTRY	SHORT CLOSE	Zero line crossover to upside
2024-03-26	WILLR	LONG ENTRY	SHORT CLOSE	-20 crossover to upside
2024-03-27	DMI	LONG ENTRY	SHORT CLOSE	The +DI crossed the -DI to the upside. The trend is reversing to an up trend.
	SAR	LONG ENTRY	SHORT CLOSE	The price broke the SAR to the upside.
	CCI	LONG ENTRY	SHORT CLOSE	100 crossover to upside
	BB	SHORT ENTRY	LONG CLOSE	Price closed above the lower band.
	ATR	LONG ENTRY	SHORT CLOSE	Price closed above (close + ATR).
2024-03-28	STOCH	LONG EXIT		The %K line crosses below the %D line.
2024-04-01	ATR	SHORT ENTRY	LONG CLOSE	Price closed below (close - ATR).
2024-04-02	DMI	SHORT ENTRY	LONG CLOSE	The +DI crossed the -DI to the downside. The trend is reversing to a down trend.
	CMO	SHORT ENTRY	LONG CLOSE	Zero line crossover to downside
2024-04-03	CMO	LONG ENTRY	SHORT CLOSE	Zero line crossover to upside
2024-04-04	DMI	LONG ENTRY	SHORT CLOSE	The +DI crossed the -DI to the upside. The trend is reversing to an up trend.
	CMO	SHORT ENTRY	LONG CLOSE	Zero line crossover to downside
2024-04-05	STOCH	SHORT EXIT		The %K line crosses above the %D line.
	CMO	LONG ENTRY	SHORT CLOSE	Zero line crossover to upside
2024-04-09	CCI	LONG ENTRY	SHORT CLOSE	100 crossover to upside
2024-04-10	DMI	SHORT ENTRY	LONG CLOSE	The +DI crossed the -DI to the downside. The trend is reversing to a down trend.
	STOCH	LONG EXIT		The %K line crosses below the %D line.
	CMO	SHORT ENTRY	LONG CLOSE	Zero line crossover to downside
	WILLR	SHORT ENTRY	LONG CLOSE	-80 crossover to downside
	ATR	SHORT ENTRY	LONG CLOSE	Price closed below (close - ATR).
2024-04-12	MACD	SHORT ENTRY	LONG CLOSE	The MACD line crosses below the signal line.
	SAR	SHORT ENTRY	LONG CLOSE	The price broke the SAR to the downside
	CCI	SHORT ENTRY	LONG CLOSE	-100 crossover to downside
2024-04-15	STOCH	SHORT EXIT		The %K line crosses above the %D line.
2024-04-16	STOCH	LONG EXIT		The %K line crosses below the %D line.
	CCI	SHORT ENTRY	LONG CLOSE	-100 crossover to downside

6.3. Candlestick Patterns

Date	Candlestick Pattern

6.4. Technical Score

Let's check the technical score of Evertec Inc based on Penke's default Symbol scanner.

Penke's Symbol Scanner

Indicator	Condition		Value
Rsi	Greater than	50	41.559
Ma 20	Greater than	Ma 50	38.269
Ma 50	Greater than	Ma 100	38.894
Ma 100	Greater than	Ma 200	39.189
Open	Greater than	Close	37.250
Total			2/5 (40.0%)

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Evertec Inc Buy, Hold or Sell?

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Quick analysis of Evertec Inc (30 sec.)

What can you expect buying and holding a share of Evertec Inc? (30 sec.)

How much money do you get?

What is your share worth?

+ What do you gain per year?

For what price can you sell your share?

1. Valuation of Evertec Inc (5 min.)

$37.09

$9.59

$-10.09 - $17.22

$-0.51 - $26.81

2. Growth of Evertec Inc (5 min.)

Is Evertec Inc growing?

How much money is Evertec Inc making?

How much money comes from the company's main activities?

3. Financial Health of Evertec Inc (5 min.)

What can you expect buying and holding a share of Evertec Inc? (5 min.)

What can you expect buying and holding a share of Evertec Inc?

Speculation

Investing

How much money are you going to get?

When do you get the money?

How sure are you?

Linear %

Fundamentals of Evertec Inc

About Evertec Inc

Financial Health

Valuation

1.1. Profitability of Evertec Inc.

1.1. Profitability

1.1.1. Net Profit Margin

Trends

1.1.2. Return on Assets

Trends

1.1.3. Return on Equity

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1.2. Operating Efficiency of Evertec Inc.

1.2. Operating Efficiency

1.2.1. Operating Margin

Trends

1.2.2. Operating Ratio

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1.3. Liquidity of Evertec Inc.

1.3. Liquidity

1.3.1. Current Ratio

Trends

1.3.2. Quick Ratio

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1.4. Solvency of Evertec Inc.

1.3. Liquidity

1.4.1. Debt to Asset Ratio

Trends

1.4.2. Debt to Equity Ratio

Trends

2. Market Valuation of Evertec Inc

2.1. Earnings Per Share

2.1. Price to Earnings Ratio

Trends

2.2. Price To Free Cash Flow Ratio

Trends

2. Book Value per Share

2.3. Price to Book Ratio

Trends

Evertec Inc
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