Quick verdict: EVTC vs FIVN in 2026

In this comprehensive EVTC vs FIVN stock comparison 2026, EVERTEC, Inc. (EVTC) emerges with an overall edge, securing 6 wins compared to Five9, Inc.’s (FIVN) 4 wins across key metrics. While FIVN shows a slight lead in revenue growth, EVTC stands out as the clear value leader with significantly lower P/E ratios and a much higher DCF upside. Furthermore, EVTC demonstrates superior profitability through its robust margins and is favored by analysts for its greater price target and DCF potential. Not investment advice.

EVTC vs FIVN: key metrics side by side

Full side-by-side comparison of EVTC and FIVN across valuation, profitability, growth and analyst sentiment. Data updated 2026-05-12.

EVTC vs FIVN valuation comparison

When considering EVTC vs FIVN valuation, EVTC appears significantly more attractive based on several key metrics. EVERTEC, Inc. trades at a P/E ratio of 10.73x, which is remarkably lower than Five9, Inc.’s P/E of 28.73x. This indicates that investors are paying a much lower multiple for EVTC’s earnings compared to FIVN, suggesting EVTC could be undervalued relative to its profitability. While FIVN has a slightly lower Price-to-Book (P/B) ratio at 1.98x compared to EVTC’s 2.13x, the P/E difference is a more compelling indicator for valuation.

The discounted cash flow (DCF) models further bolster EVTC’s valuation argument, projecting a massive upside of +390.6% for EVERTEC, Inc. In contrast, Five9, Inc.’s DCF model suggests an upside of +128.7%. While both stocks show considerable potential for appreciation based on their intrinsic values, EVTC’s estimated upside is nearly three times greater than FIVN’s. This strong DCF indication, coupled with a lower P/E, positions EVTC as the cheaper stock and a potentially more appealing option for value-oriented investors in 2026.

EVTC vs FIVN growth comparison

In the EVTC vs FIVN growth comparison, both companies exhibit similar top-line expansion rates. Five9, Inc. generated $1.15 billion in revenue, slightly higher than EVERTEC, Inc.’s $931.8 million. Furthermore, FIVN narrowly edges out EVTC in terms of year-over-year revenue growth, reporting +10.3% compared to EVTC’s +10.2%. This marginal difference suggests that both companies are operating in growing markets and successfully expanding their revenue bases.

While FIVN has a slightly larger revenue base and a fractionally higher growth rate, EVTC demonstrates significantly better efficiency in converting that revenue into profits, as evidenced by its superior net and EBITDA margins. Future growth for both companies will depend on their ability to capture market share, innovate, and manage operational costs effectively. For investors prioritizing current growth momentum and market presence, FIVN’s slightly larger revenue and growth rate might hold a nuanced appeal in the near term, although EVTC’s underlying profitability strength is a crucial factor.

EVTC vs FIVN profitability

Examining EVTC vs FIVN profitability reveals a clear leader in operational efficiency. EVERTEC, Inc. boasts a robust net margin of 13.95%, significantly outperforming Five9, Inc.’s net margin of 4.87%. This indicates that EVTC is much more effective at converting its revenue into actual profit for shareholders after all expenses are accounted for. The disparity is even more pronounced at the EBITDA level, with EVTC achieving an EBITDA margin of 36.51% against FIVN’s 15.83%. These figures highlight EVTC’s superior operational leverage and cost management capabilities.

When it comes to return on equity (ROE), data is not available for either company (N/A%), preventing a direct comparison on this specific metric. However, in terms of free cash flow generation, Five9, Inc. shows a slight edge with a FCF yield of 12.58% compared to EVTC’s 11.63%. Despite FIVN’s marginally better FCF yield, EVTC’s substantially higher net and EBITDA margins suggest a fundamentally more profitable business model and better overall financial health, indicating it generates more cash from its core operations before considering investment and debt servicing.

Analyst ratings: EVTC vs FIVN

The analyst sentiment for both EVERTEC, Inc. and Five9, Inc. is broadly positive, with both stocks receiving a “Buy” consensus rating. Out of 18 analysts covering EVTC, 61.1% recommend a Buy, while for FIVN, 61.0% of the 41 analysts covering the stock also recommend a Buy. The percentage of buy ratings is almost identical, suggesting a shared confidence in both companies’ prospects among the analyst community.

However, when we delve into the potential upside, EVERTEC, Inc. is seen as having significantly greater appreciation potential. Analysts have set a consensus target price of $34 for EVTC, implying a substantial +47.7% upside from its current price. In contrast, FIVN’s consensus target price is $27.5, which represents a respectable but lower +28.4% upside. This notable difference in target price upside indicates that while analysts favor both, they see a stronger potential for capital appreciation in EVTC, making it the preferred choice for those seeking higher returns based on current projections.

Should I buy EVTC or FIVN stock in 2026?

Deciding whether should I buy EVTC or FIVN stock in 2026 depends heavily on an investor’s individual strategy and risk tolerance. For growth-oriented investors, Five9, Inc. (FIVN) presents a compelling argument with its slightly higher revenue base of $1.15 billion and a marginal lead in year-over-year revenue growth at +10.3% compared to EVTC’s +10.2%. This, combined with its larger market capitalization of $1.64 billion against EVTC’s $1.42 billion, might suggest a company with broader market penetration and continued expansion potential in the technology sector.

Conversely, for value investors focusing on solid evtc vs fivn fundamentals and valuation, EVERTEC, Inc. (EVTC) stands out as the clear winner. EVTC trades at a remarkably low P/E ratio of 10.73x, which is substantially cheaper than FIVN’s 28.73x. Furthermore, EVTC’s discounted cash flow (DCF) valuation projects an astounding +390.6% upside, far surpassing FIVN’s +128.7%. These metrics suggest that EVTC is significantly undervalued relative to its earnings power and intrinsic value, offering a potentially higher margin of safety and greater long-term appreciation potential for those willing to wait.

When considering income, neither EVTC nor FIVN are strong dividend plays. EVERTEC, Inc. offers a negligible dividend yield of 0.01%, while Five9, Inc. currently does not pay a dividend at all (0%). Therefore, investors seeking regular income from their portfolios would find both stocks unsuitable. For those prioritizing a balance of profitability, valuation, and potential upside, EVTC seems to offer a more attractive package overall in 2026. This is not investment advice.

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FAQ: EVTC vs FIVN