WallStSmart

Evertec Inc (EVTC)vsSonos Inc (SONO)

VS

Smart Verdict

WallStSmart Research — data-driven comparison

Sonos Inc generates 50% more annual revenue ($1.49B vs $996.16M). EVTC leads profitability with a 9.8% profit margin vs 3.8%. EVTC trades at a lower P/E of 18.9x. EVTC earns a higher WallStSmart Score of 54/100 (C-).

EVTC

Buy

54

out of 100

Grade: C-

Growth: 6.0Profit: 7.0Value: 6.7Quality: 5.0
Piotroski: 4/9Altman Z: 1.62

SONO

Hold

48

out of 100

Grade: D+

Growth: 6.0Profit: 4.5Value: 3.7Quality: 7.0
Piotroski: 3/9Altman Z: 2.04
IV

Intrinsic Value Comparison

Multi-model valuation · Graham Formula

EVTCUndervalued (+45.6%)

Margin of Safety

+45.6%

Fair Value

$48.28

Current Price

$29.27

$19.01 discount

UndervaluedFair: $48.28Overvalued
SONOSignificantly Overvalued (-31.9%)

Margin of Safety

-31.9%

Fair Value

$12.51

Current Price

$15.12

$2.61 premium

UndervaluedFair: $12.51Overvalued

Key Strengths & Concerns

Side-by-side fundamental analysis

Key Strengths

EVTC2 strengths · Avg: 8.0/10
Price/BookValuation
2.7x8/10

Reasonable price relative to book value

Revenue GrowthGrowth
19.7%8/10

19.7% revenue growth

SONO2 strengths · Avg: 9.5/10
EPS GrowthGrowth
87.5%10/10

Earnings expanding 87.5% YoY

Debt/EquityHealth
0.129/10

Conservative balance sheet, low leverage

Areas to Watch

EVTC4 concerns · Avg: 3.3/10
PEG RatioValuation
2.144/10

Expensive relative to growth rate

Altman Z-ScoreHealth
1.624/10

Distress zone — elevated risk

Market CapQuality
$1.74B3/10

Smaller company, higher risk/reward

EPS GrowthGrowth
-85.7%2/10

Earnings declined 85.7%

SONO4 concerns · Avg: 3.3/10
P/E RatioValuation
32.3x4/10

Premium valuation, high expectations priced in

Market CapQuality
$1.72B3/10

Smaller company, higher risk/reward

Return on EquityProfitability
6.2%3/10

ROE of 6.2% — below average capital efficiency

Profit MarginProfitability
3.8%3/10

3.8% margin — thin

Comparative Analysis Report

WallStSmart Research

Bull Case : EVTC

The strongest argument for EVTC centers on Price/Book, Revenue Growth. Revenue growth of 19.7% demonstrates continued momentum.

Bull Case : SONO

The strongest argument for SONO centers on EPS Growth, Debt/Equity.

Bear Case : EVTC

The primary concerns for EVTC are PEG Ratio, Altman Z-Score, Market Cap. Debt-to-equity of 2.06 is elevated, increasing financial risk.

Bear Case : SONO

The primary concerns for SONO are P/E Ratio, Market Cap, Return on Equity. Thin 3.8% margins leave little buffer for downturns.

Key Dynamics to Monitor

EVTC profiles as a growth stock while SONO is a value play — different risk/reward profiles.

SONO carries more volatility with a beta of 1.94 — expect wider price swings.

EVTC is growing revenue faster at 19.7% — sustainability is the question.

EVTC generates stronger free cash flow (48M), providing more financial flexibility.

Bottom Line

EVTC scores higher overall (54/100 vs 48/100) and 19.7% revenue growth. Both earn "Buy" and "Hold" ratings respectively — the choice depends on your investment horizon and risk tolerance.

This analysis is generated from publicly available financial data. Not financial advice.

Evertec Inc

TECHNOLOGY · SOFTWARE - INFRASTRUCTURE · USA

EVERTEC, Inc. participates in the transaction processing business in Latin America and the Caribbean. The company is headquartered in San Juan, Puerto Rico.

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Sonos Inc

TECHNOLOGY · CONSUMER ELECTRONICS · USA

Sonos, Inc. designs, develops, manufactures, and sells multi-room audio products in the Americas, Europe, the Middle East, Africa, and Asia Pacific. The company is headquartered in Santa Barbara, California.

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