TTEC HOLDINGS INC (TTEC) Fundamental Analysis & Valuation

NASDAQ:TTEC • US89854H1023

Current stock price

3 USD
+0.27 (+9.89%)
At close:
3.02 USD
+0.02 (+0.67%)
After Hours:

This TTEC fundamental analysis includes valuation metrics, fair value assessment, financial health analysis, profitability trends, growth metrics and dividend sustainability analysis.

3

1. TTEC Profitability Analysis

1.1 Basic Checks

  • TTEC had positive earnings in the past year.
  • TTEC had a positive operating cash flow in the past year.
  • In multiple years TTEC reported negative net income over the last 5 years.
  • Of the past 5 years TTEC 4 years had a positive operating cash flow.
TTEC Yearly Net Income VS EBIT VS OCF VS FCFTTEC Yearly Net Income VS EBIT VS OCF VS FCFYearly Net Income VS EBIT VS OCF VS FCF 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 0 100M -100M 200M -200M -300M

1.2 Ratios

  • With a Return On Assets value of -12.84%, TTEC is not doing good in the industry: 73.56% of the companies in the same industry are doing better.
  • The Return On Equity of TTEC (-202.45%) is worse than 81.61% of its industry peers.
  • TTEC's Return On Invested Capital of 6.64% is fine compared to the rest of the industry. TTEC outperforms 65.52% of its industry peers.
  • The Average Return On Invested Capital over the past 3 years for TTEC is below the industry average of 10.73%.
  • The last Return On Invested Capital (6.64%) for TTEC is above the 3 year average (5.77%), which is a sign of increasing profitability.
Industry RankSector Rank
ROA -12.84%
ROE -202.45%
ROIC 6.64%
ROA(3y)-10.25%
ROA(5y)-3.78%
ROE(3y)-109.77%
ROE(5y)-56.77%
ROIC(3y)5.77%
ROIC(5y)7.53%
TTEC Yearly ROA, ROE, ROICTTEC Yearly ROA, ROE, ROICYearly ROA, ROE, ROIC 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 0 -50 -100 -150 -200

1.3 Margins

  • TTEC has a Operating Margin of 4.50%. This is comparable to the rest of the industry: TTEC outperforms 55.17% of its industry peers.
  • In the last couple of years the Operating Margin of TTEC has declined.
  • TTEC has a worse Gross Margin (21.82%) than 79.31% of its industry peers.
  • TTEC's Gross Margin has declined in the last couple of years.
Industry RankSector Rank
OM 4.5%
PM (TTM) N/A
GM 21.82%
OM growth 3Y-16.37%
OM growth 5Y-16.56%
PM growth 3YN/A
PM growth 5YN/A
GM growth 3Y-2.75%
GM growth 5Y-3.49%
TTEC Yearly Profit, Operating, Gross MarginsTTEC Yearly Profit, Operating, Gross MarginsYearly Profit, Operating, Gross Margins 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 0 10 -10 20

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ROAROEROICOperating and Profit MarginShow most profitable peers

3

2. TTEC Health Analysis

2.1 Basic Checks

  • With a Return on Invested Capital (ROIC) below the Cost of Capital (WACC), TTEC is destroying value.
  • TTEC has more shares outstanding than it did 1 year ago.
  • TTEC has more shares outstanding than it did 5 years ago.
  • Compared to 1 year ago, TTEC has a worse debt to assets ratio.
TTEC Yearly Shares OutstandingTTEC Yearly Shares OutstandingYearly Shares Outstanding 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 10M 20M 30M 40M
TTEC Yearly Total Debt VS Total AssetsTTEC Yearly Total Debt VS Total AssetsYearly Total Debt VS Total Assets 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 500M 1B 1.5B 2B

2.2 Solvency

  • TTEC has an Altman-Z score of 2.28. This is not the best score and indicates that TTEC is in the grey zone with still only limited risk for bankruptcy at the moment.
  • The Altman-Z score of TTEC (2.28) is comparable to the rest of the industry.
  • TTEC has a debt to FCF ratio of 10.92. This is a negative value and a sign of low solvency as TTEC would need 10.92 years to pay back of all of its debts.
  • TTEC has a Debt to FCF ratio (10.92) which is comparable to the rest of the industry.
  • TTEC has a Debt/Equity ratio of 9.52. This is a high value indicating a heavy dependency on external financing.
  • TTEC has a worse Debt to Equity ratio (9.52) than 82.76% of its industry peers.
Industry RankSector Rank
Debt/Equity 9.52
Debt/FCF 10.92
Altman-Z 2.28
ROIC/WACC0.93
WACC7.14%
TTEC Yearly LT Debt VS Equity VS FCFTTEC Yearly LT Debt VS Equity VS FCFYearly LT Debt VS Equity VS FCF 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 0 200M 400M 600M 800M

2.3 Liquidity

  • A Current Ratio of 1.89 indicates that TTEC should not have too much problems paying its short term obligations.
  • TTEC has a Current ratio (1.89) which is comparable to the rest of the industry.
  • TTEC has a Quick Ratio of 1.89. This is a normal value and indicates that TTEC is financially healthy and should not expect problems in meeting its short term obligations.
  • With a Quick ratio value of 1.89, TTEC perfoms like the industry average, outperforming 56.32% of the companies in the same industry.
Industry RankSector Rank
Current Ratio 1.89
Quick Ratio 1.89
TTEC Yearly Current Assets VS Current LiabilitesTTEC Yearly Current Assets VS Current LiabilitesYearly Current Assets VS Current Liabilites 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 200M 400M 600M

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WACCDebt/EquityHow to determine the health of a companyAltman-Z scoreShow peers with great health

3

3. TTEC Growth Analysis

3.1 Past

  • TTEC shows a strong growth in Earnings Per Share. In the last year, the EPS has been growing by 53.52%, which is quite impressive.
  • The earnings per share for TTEC have been decreasing by -20.85% on average. This is quite bad
  • Looking at the last year, TTEC shows a decrease in Revenue. The Revenue has decreased by -3.20% in the last year.
  • The Revenue has been growing slightly by 1.86% on average over the past years.
EPS 1Y (TTM)53.52%
EPS 3Y-33.4%
EPS 5Y-20.85%
EPS Q2Q%147.37%
Revenue 1Y (TTM)-3.2%
Revenue growth 3Y-4.37%
Revenue growth 5Y1.86%
Sales Q2Q%0.44%

3.2 Future

  • The Earnings Per Share is expected to grow by 10.96% on average over the next years. This is quite good.
  • Based on estimates for the next years, TTEC will show a decrease in Revenue. The Revenue will decrease by -1.53% on average per year.
EPS Next Y29.61%
EPS Next 2Y13.23%
EPS Next 3Y10.96%
EPS Next 5YN/A
Revenue Next Year-0.38%
Revenue Next 2Y-1.47%
Revenue Next 3Y-1.53%
Revenue Next 5YN/A

3.3 Evolution

  • The EPS growth rate is accelerating: in the next years the growth will be better than in the last years.
  • When comparing the Revenue growth rate of the last years to the growth rate of the upcoming years, we see that the growth is decreasing.
TTEC Yearly Revenue VS EstimatesTTEC Yearly Revenue VS EstimatesYearly Revenue VS Estimates 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 2027 2028 500M 1B 1.5B 2B
TTEC Yearly EPS VS EstimatesTTEC Yearly EPS VS EstimatesYearly EPS VS Estimates 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 2027 2028 1 2 3 4

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Find the best growth stocksShow best growing peers

8

4. TTEC Valuation Analysis

4.1 Price/Earnings Ratio

  • TTEC is valuated cheaply with a Price/Earnings ratio of 2.75.
  • TTEC's Price/Earnings ratio is rather cheap when compared to the industry. TTEC is cheaper than 96.55% of the companies in the same industry.
  • Compared to an average S&P500 Price/Earnings ratio of 25.70, TTEC is valued rather cheaply.
  • The Price/Forward Earnings ratio is 2.12, which indicates a rather cheap valuation of TTEC.
  • Based on the Price/Forward Earnings ratio, TTEC is valued cheaper than 100.00% of the companies in the same industry.
  • Compared to an average S&P500 Price/Forward Earnings ratio of 23.84, TTEC is valued rather cheaply.
Industry RankSector Rank
PE 2.75
Fwd PE 2.12
TTEC Price Earnings VS Forward Price EarningsTTEC Price Earnings VS Forward Price Earnings ChartPrice Earnings - Forward Price Earnings PE FPE 5 10 15 20 25

4.2 Price Multiples

  • Compared to the rest of the industry, the Enterprise Value to EBITDA ratio of TTEC indicates a rather cheap valuation: TTEC is cheaper than 89.66% of the companies listed in the same industry.
  • Based on the Price/Free Cash Flow ratio, TTEC is valued cheaply inside the industry as 100.00% of the companies are valued more expensively.
Industry RankSector Rank
P/FCF 1.76
EV/EBITDA 5.21
TTEC Per share dataTTEC EPS, Sales, OCF, FCF, BookValue per sharePer Share Data Per Share 0 10 20 30 40

4.3 Compensation for Growth

  • The low PEG Ratio(NY), which compensates the Price/Earnings for growth, indicates a rather cheap valuation of the company.
PEG (NY)0.09
PEG (5Y)N/A
EPS Next 2Y13.23%
EPS Next 3Y10.96%

More info and screens

Price/EarningsPrice/FCFFCF per shareEV/EBITDAPEG RATIOShow best valued peers

5

5. TTEC Dividend Analysis

5.1 Amount

  • TTEC has a Yearly Dividend Yield of 5.54%, which is a nice return.
  • The stock price of TTEC dropped by -22.28% in the last 3 months. With lower prices the dividend yield is higher, but it may be a sign investors do not trust the long term dividend.
  • Compared to an average industry Dividend Yield of 0.93, TTEC pays a better dividend. On top of this TTEC pays more dividend than 98.85% of the companies listed in the same industry.
  • TTEC's Dividend Yield is rather good when compared to the S&P500 average which is at 1.89.
Industry RankSector Rank
Dividend Yield 5.54%

5.2 History

  • TTEC has been paying a dividend for at least 10 years, so it has a reliable track record.
Dividend Growth(5Y)N/A
Div Incr Years0
Div Non Decr Years0
TTEC Yearly Dividends per shareTTEC Yearly Dividends per shareYearly Dividends per share 2016 2017 2018 2019 2020 2021 2022 2023 2024 0.5 1 1.5 2 2.5

5.3 Sustainability

DP0%
EPS Next 2Y13.23%
EPS Next 3Y10.96%
TTEC Yearly Income VS Free CF VS DividendTTEC Yearly Income VS Free CF VS DividendYearly Income VS Free CF VS Dividend 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 0 100M -100M 200M -200M -300M

More info and screens

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TTEC Fundamentals: All Metrics, Ratios and Statistics

TTEC HOLDINGS INC

NASDAQ:TTEC (3/13/2026, 8:01:14 PM)

After market: 3.02 +0.02 (+0.67%)

3

+0.27 (+9.89%)

Chartmill FA Rating
GICS IndustryGroupSoftware & Services
GICS IndustryIT Services
Earnings (Last)02-26
Earnings (Next)05-06
Inst Owners32.34%
Inst Owner Change-5.15%
Ins Owners58.55%
Ins Owner Change3.44%
Market Cap145.71M
Revenue(TTM)2.14B
Net Income(TTM)-192.47M
Analysts76
Price Target5.1 (70%)
Short Float %30.14%
Short Ratio16.25
Dividend
Industry RankSector Rank
Dividend Yield 5.54%
Yearly Dividend0
Dividend Growth(5Y)N/A
DP0%
Div Incr Years0
Div Non Decr Years0
Ex-DateN/A
Surprises & Revisions
EPS beat(2)1
Avg EPS beat(2)-9.86%
Min EPS beat(2)-47.71%
Max EPS beat(2)28%
EPS beat(4)3
Avg EPS beat(4)3.8%
Min EPS beat(4)-47.71%
Max EPS beat(4)28%
EPS beat(8)3
Avg EPS beat(8)-9.49%
EPS beat(12)6
Avg EPS beat(12)0.14%
EPS beat(16)10
Avg EPS beat(16)3.49%
Revenue beat(2)2
Avg Revenue beat(2)5.41%
Min Revenue beat(2)2.21%
Max Revenue beat(2)8.6%
Revenue beat(4)4
Avg Revenue beat(4)3.46%
Min Revenue beat(4)0.96%
Max Revenue beat(4)8.6%
Revenue beat(8)5
Avg Revenue beat(8)0.21%
Revenue beat(12)7
Avg Revenue beat(12)0.34%
Revenue beat(16)10
Avg Revenue beat(16)0.36%
PT rev (1m)0%
PT rev (3m)0%
EPS NQ rev (1m)-22.58%
EPS NQ rev (3m)-22.58%
EPS NY rev (1m)3.94%
EPS NY rev (3m)3.94%
Revenue NQ rev (1m)-2.19%
Revenue NQ rev (3m)-2.19%
Revenue NY rev (1m)-0.38%
Revenue NY rev (3m)-0.38%
Valuation
Industry RankSector Rank
PE 2.75
Fwd PE 2.12
P/S 0.07
P/FCF 1.76
P/OCF 1.2
P/B 1.53
P/tB N/A
EV/EBITDA 5.21
EPS(TTM)1.09
EY36.33%
EPS(NY)1.41
Fwd EY47.09%
FCF(TTM)1.71
FCFY56.94%
OCF(TTM)2.49
OCFY83.09%
SpS44
BVpS1.96
TBVpS-8.39
PEG (NY)0.09
PEG (5Y)N/A
Graham Number6.93
Profitability
Industry RankSector Rank
ROA -12.84%
ROE -202.45%
ROCE 8.41%
ROIC 6.64%
ROICexc 7.16%
ROICexgc 13.61%
OM 4.5%
PM (TTM) N/A
GM 21.82%
FCFM 3.88%
ROA(3y)-10.25%
ROA(5y)-3.78%
ROE(3y)-109.77%
ROE(5y)-56.77%
ROIC(3y)5.77%
ROIC(5y)7.53%
ROICexc(3y)6.26%
ROICexc(5y)8.26%
ROICexgc(3y)14.24%
ROICexgc(5y)22.26%
ROCE(3y)7.3%
ROCE(5y)9.53%
ROICexgc growth 3Y-20.52%
ROICexgc growth 5Y-16.47%
ROICexc growth 3Y-8.47%
ROICexc growth 5Y-16.22%
OM growth 3Y-16.37%
OM growth 5Y-16.56%
PM growth 3YN/A
PM growth 5YN/A
GM growth 3Y-2.75%
GM growth 5Y-3.49%
F-Score6
Asset Turnover1.43
Health
Industry RankSector Rank
Debt/Equity 9.52
Debt/FCF 10.92
Debt/EBITDA 4.87
Cap/Depr 42.46%
Cap/Sales 1.78%
Interest Coverage 1.39
Cash Conversion 65.14%
Profit Quality N/A
Current Ratio 1.89
Quick Ratio 1.89
Altman-Z 2.28
F-Score6
WACC7.14%
ROIC/WACC0.93
Cap/Depr(3y)51.85%
Cap/Depr(5y)58.63%
Cap/Sales(3y)2.19%
Cap/Sales(5y)2.54%
Profit Quality(3y)N/A
Profit Quality(5y)N/A
High Growth Momentum
Growth
EPS 1Y (TTM)53.52%
EPS 3Y-33.4%
EPS 5Y-20.85%
EPS Q2Q%147.37%
EPS Next Y29.61%
EPS Next 2Y13.23%
EPS Next 3Y10.96%
EPS Next 5YN/A
Revenue 1Y (TTM)-3.2%
Revenue growth 3Y-4.37%
Revenue growth 5Y1.86%
Sales Q2Q%0.44%
Revenue Next Year-0.38%
Revenue Next 2Y-1.47%
Revenue Next 3Y-1.53%
Revenue Next 5YN/A
EBIT growth 1Y19.07%
EBIT growth 3Y-20.02%
EBIT growth 5Y-15.01%
EBIT Next Year145.91%
EBIT Next 3Y33.31%
EBIT Next 5YN/A
FCF growth 1Y179.78%
FCF growth 3Y16.11%
FCF growth 5Y-17.12%
OCF growth 1Y305.85%
OCF growth 3Y-4.04%
OCF growth 5Y-14.94%

TTEC HOLDINGS INC / TTEC Fundamental Analysis FAQ

What is the ChartMill fundamental rating of TTEC HOLDINGS INC (TTEC) stock?

ChartMill assigns a fundamental rating of 4 / 10 to TTEC.


What is the valuation status of TTEC HOLDINGS INC (TTEC) stock?

ChartMill assigns a valuation rating of 8 / 10 to TTEC HOLDINGS INC (TTEC). This can be considered as Undervalued.


Can you provide the profitability details for TTEC HOLDINGS INC?

TTEC HOLDINGS INC (TTEC) has a profitability rating of 3 / 10.


Can you provide the PE and PB ratios for TTEC stock?

The Price/Earnings (PE) ratio for TTEC HOLDINGS INC (TTEC) is 2.75 and the Price/Book (PB) ratio is 1.53.


How sustainable is the dividend of TTEC HOLDINGS INC (TTEC) stock?

The dividend rating of TTEC HOLDINGS INC (TTEC) is 5 / 10 and the dividend payout ratio is 0%.