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TTEC HOLDINGS INC (TTEC) Stock Fundamental Analysis

NASDAQ:TTEC - Nasdaq - US89854H1023 - Common Stock - Currency: USD

5.24  -0.04 (-0.76%)

After market: 5.24 0 (0%)

Fundamental Rating

3

We assign a fundamental rating of 3 out of 10 to TTEC. TTEC was compared to 82 industry peers in the IT Services industry. TTEC may be in some trouble as it scores bad on both profitability and health. TTEC has a bad growth rate and is valued cheaply.


Dividend Valuation Growth Profitability Health

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2

1. Profitability

1.1 Basic Checks

TTEC had positive earnings in the past year.
TTEC had a negative operating cash flow in the past year.
Of the past 5 years TTEC 4 years were profitable.
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 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 0 100M -100M 200M -200M -300M

1.2 Ratios

Looking at the Return On Assets, with a value of -18.38%, TTEC is doing worse than 82.93% of the companies in the same industry.
TTEC has a Return On Equity of -120.19%. This is amonst the worse of the industry: TTEC underperforms 85.37% of its industry peers.
The Return On Invested Capital of TTEC (4.80%) is comparable to the rest of the industry.
Measured over the past 3 years, the Average Return On Invested Capital for TTEC is significantly below the industry average of 21.64%.
Industry RankSector Rank
ROA -18.38%
ROE -120.19%
ROIC 4.8%
ROA(3y)-4.38%
ROA(5y)0.35%
ROE(3y)-36.14%
ROE(5y)-10.95%
ROIC(3y)6.39%
ROIC(5y)9.26%
TTEC Yearly ROA, ROE, ROICTTEC Yearly ROA, ROE, ROICYearly ROA, ROE, ROIC 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 0 -50 -100

1.3 Margins

With a Operating Margin value of 3.91%, TTEC perfoms like the industry average, outperforming 51.22% of the companies in the same industry.
TTEC's Operating Margin has declined in the last couple of years.
TTEC has a worse Gross Margin (21.64%) than 79.27% of its industry peers.
In the last couple of years the Gross Margin of TTEC has declined.
Industry RankSector Rank
OM 3.91%
PM (TTM) N/A
GM 21.64%
OM growth 3Y-29.01%
OM growth 5Y-14.19%
PM growth 3YN/A
PM growth 5YN/A
GM growth 3Y-5.03%
GM growth 5Y-3.42%
TTEC Yearly Profit, Operating, Gross MarginsTTEC Yearly Profit, Operating, Gross MarginsYearly Profit, Operating, Gross Margins 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 0 10 -10 20

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3

2. Health

2.1 Basic Checks

The Return on Invested Capital (ROIC) is below the Cost of Capital (WACC), so TTEC is destroying value.
TTEC has more shares outstanding than it did 1 year ago.
The number of shares outstanding for TTEC has been increased compared to 5 years ago.
TTEC has a worse debt/assets ratio than last year.
TTEC Yearly Shares OutstandingTTEC Yearly Shares OutstandingYearly Shares Outstanding 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 10M 20M 30M 40M
TTEC Yearly Total Debt VS Total AssetsTTEC Yearly Total Debt VS Total AssetsYearly Total Debt VS Total Assets 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 500M 1B 1.5B 2B

2.2 Solvency

TTEC has an Altman-Z score of 2.19. 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.
With a Altman-Z score value of 2.19, TTEC perfoms like the industry average, outperforming 40.24% of the companies in the same industry.
TTEC has a Debt/Equity ratio of 3.65. This is a high value indicating a heavy dependency on external financing.
TTEC's Debt to Equity ratio of 3.65 is on the low side compared to the rest of the industry. TTEC is outperformed by 85.37% of its industry peers.
Industry RankSector Rank
Debt/Equity 3.65
Debt/FCF N/A
Altman-Z 2.19
ROIC/WACC0.57
WACC8.46%
TTEC Yearly LT Debt VS Equity VS FCFTTEC Yearly LT Debt VS Equity VS FCFYearly LT Debt VS Equity VS FCF 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 0 200M 400M 600M 800M

2.3 Liquidity

TTEC has a Current Ratio of 1.96. This is a normal value and indicates that TTEC is financially healthy and should not expect problems in meeting its short term obligations.
TTEC has a Current ratio of 1.96. This is in the better half of the industry: TTEC outperforms 62.20% of its industry peers.
A Quick Ratio of 1.96 indicates that TTEC should not have too much problems paying its short term obligations.
With a decent Quick ratio value of 1.96, TTEC is doing good in the industry, outperforming 64.63% of the companies in the same industry.
Industry RankSector Rank
Current Ratio 1.96
Quick Ratio 1.96
TTEC Yearly Current Assets VS Current LiabilitesTTEC Yearly Current Assets VS Current LiabilitesYearly Current Assets VS Current Liabilites 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 200M 400M 600M

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2

3. Growth

3.1 Past

The earnings per share for TTEC have decreased strongly by -56.89% in the last year.
The earnings per share for TTEC have been decreasing by -17.87% on average. This is quite bad
The Revenue for TTEC has decreased by -10.02% in the past year. This is quite bad
TTEC shows a small growth in Revenue. Measured over the last years, the Revenue has been growing by 6.08% yearly.
EPS 1Y (TTM)-56.89%
EPS 3Y-46.44%
EPS 5Y-17.87%
EPS Q2Q%3.7%
Revenue 1Y (TTM)-10.02%
Revenue growth 3Y-0.97%
Revenue growth 5Y6.08%
Sales Q2Q%-7.35%

3.2 Future

TTEC is expected to show quite a strong growth in Earnings Per Share. In the coming years, the EPS will grow by 18.22% yearly.
Based on estimates for the next years, TTEC will show a decrease in Revenue. The Revenue will decrease by -5.09% on average per year.
EPS Next Y60.54%
EPS Next 2Y35.39%
EPS Next 3Y18.22%
EPS Next 5YN/A
Revenue Next Year-7.96%
Revenue Next 2Y-5.02%
Revenue Next 3Y-5.09%
Revenue Next 5YN/A

3.3 Evolution

When comparing the EPS growth rate of the last years to the growth rate of the upcoming years, we see that the growth is accelerating.
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 2014 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 2027 500M 1B 1.5B 2B
TTEC Yearly EPS VS EstimatesTTEC Yearly EPS VS EstimatesYearly EPS VS Estimates 2014 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 2027 1 2 3 4

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7

4. Valuation

4.1 Price/Earnings Ratio

The Price/Earnings ratio is 7.28, which indicates a rather cheap valuation of TTEC.
95.12% of the companies in the same industry are more expensive than TTEC, based on the Price/Earnings ratio.
When comparing the Price/Earnings ratio of TTEC to the average of the S&P500 Index (26.34), we can say TTEC is valued rather cheaply.
A Price/Forward Earnings ratio of 4.03 indicates a rather cheap valuation of TTEC.
98.78% of the companies in the same industry are more expensive than TTEC, based on the Price/Forward Earnings ratio.
TTEC is valuated cheaply when we compare the Price/Forward Earnings ratio to 22.19, which is the current average of the S&P500 Index.
Industry RankSector Rank
PE 7.28
Fwd PE 4.03
TTEC Price Earnings VS Forward Price EarningsTTEC Price Earnings VS Forward Price Earnings ChartPrice Earnings - Forward Price Earnings PE FPE 20 40 60 80 100

4.2 Price Multiples

Based on the Enterprise Value to EBITDA ratio, TTEC is valued cheaply inside the industry as 90.24% of the companies are valued more expensively.
Industry RankSector Rank
P/FCF N/A
EV/EBITDA 6.27
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

TTEC's low PEG Ratio(NY), which compensates the Price/Earnings for growth, indicates a rather cheap valuation of the company.
A more expensive valuation may be justified as TTEC's earnings are expected to grow with 18.22% in the coming years.
PEG (NY)0.12
PEG (5Y)N/A
EPS Next 2Y35.39%
EPS Next 3Y18.22%

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5

5. Dividend

5.1 Amount

With a Yearly Dividend Yield of 5.54%, TTEC is a good candidate for dividend investing.
Compared to an average industry Dividend Yield of 2.52, TTEC pays a better dividend. On top of this TTEC pays more dividend than 98.78% of the companies listed in the same industry.
Compared to an average S&P500 Dividend Yield of 2.40, TTEC pays a better dividend.
Industry RankSector Rank
Dividend Yield 5.54%

5.2 History

The dividend of TTEC decreases each year by -37.34%.
TTEC has been paying a dividend for at least 10 years, so it has a reliable track record.
Dividend Growth(5Y)-37.34%
Div Incr Years0
Div Non Decr Years0
TTEC Yearly Dividends per shareTTEC Yearly Dividends per shareYearly Dividends per share 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 0.5 1 1.5 2 2.5

5.3 Sustainability

The earnings of TTEC are negative and hence is the payout ratio. TTEC will probably not be able to sustain this dividend level.
DP-0.9%
EPS Next 2Y35.39%
EPS Next 3Y18.22%
TTEC Yearly Income VS Free CF VS DividendTTEC Yearly Income VS Free CF VS DividendYearly Income VS Free CF VS Dividend 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 0 100M -100M 200M -200M -300M

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TTEC HOLDINGS INC

NASDAQ:TTEC (6/18/2025, 8:00:01 PM)

After market: 5.24 0 (0%)

5.24

-0.04 (-0.76%)

Chartmill FA Rating
GICS SectorInformation Technology
GICS IndustryGroupSoftware & Services
GICS IndustryIT Services
Earnings (Last)05-08 2025-05-08/amc
Earnings (Next)08-06 2025-08-06/amc
Inst Owners33.47%
Inst Owner Change-14.01%
Ins Owners59.27%
Ins Owner Change3.11%
Market Cap250.63M
Analysts80
Price Target6.36 (21.37%)
Short Float %14.71%
Short Ratio9.13
Dividend
Industry RankSector Rank
Dividend Yield 5.54%
Yearly Dividend0.06
Dividend Growth(5Y)-37.34%
DP-0.9%
Div Incr Years0
Div Non Decr Years0
Ex-DateN/A
Surprises & Revisions
EPS beat(2)1
Avg EPS beat(2)10.79%
Min EPS beat(2)-5.51%
Max EPS beat(2)27.09%
EPS beat(4)1
Avg EPS beat(4)-13.08%
Min EPS beat(4)-53.36%
Max EPS beat(4)27.09%
EPS beat(8)3
Avg EPS beat(8)-6.09%
EPS beat(12)7
Avg EPS beat(12)5.24%
EPS beat(16)11
Avg EPS beat(16)7.21%
Revenue beat(2)1
Avg Revenue beat(2)-0.65%
Min Revenue beat(2)-3.37%
Max Revenue beat(2)2.08%
Revenue beat(4)1
Avg Revenue beat(4)-2.56%
Min Revenue beat(4)-5.23%
Max Revenue beat(4)2.08%
Revenue beat(8)3
Avg Revenue beat(8)-1.42%
Revenue beat(12)6
Avg Revenue beat(12)-0.55%
Revenue beat(16)9
Avg Revenue beat(16)-0.32%
PT rev (1m)12.31%
PT rev (3m)12.31%
EPS NQ rev (1m)0%
EPS NQ rev (3m)21.72%
EPS NY rev (1m)0%
EPS NY rev (3m)12.23%
Revenue NQ rev (1m)0.02%
Revenue NQ rev (3m)-6.6%
Revenue NY rev (1m)0%
Revenue NY rev (3m)-2.53%
Valuation
Industry RankSector Rank
PE 7.28
Fwd PE 4.03
P/S 0.12
P/FCF N/A
P/OCF N/A
P/B 0.95
P/tB N/A
EV/EBITDA 6.27
EPS(TTM)0.72
EY13.74%
EPS(NY)1.3
Fwd EY24.84%
FCF(TTM)-1.23
FCFYN/A
OCF(TTM)-0.45
OCFYN/A
SpS45.27
BVpS5.52
TBVpS-9.72
PEG (NY)0.12
PEG (5Y)N/A
Profitability
Industry RankSector Rank
ROA -18.38%
ROE -120.19%
ROCE 6.08%
ROIC 4.8%
ROICexc 5.11%
ROICexgc 11.56%
OM 3.91%
PM (TTM) N/A
GM 21.64%
FCFM N/A
ROA(3y)-4.38%
ROA(5y)0.35%
ROE(3y)-36.14%
ROE(5y)-10.95%
ROIC(3y)6.39%
ROIC(5y)9.26%
ROICexc(3y)6.98%
ROICexc(5y)10.29%
ROICexgc(3y)18.74%
ROICexgc(5y)26.23%
ROCE(3y)8.09%
ROCE(5y)11.72%
ROICexcg growth 3Y-35.71%
ROICexcg growth 5Y-11.12%
ROICexc growth 3Y-28.3%
ROICexc growth 5Y-15.05%
OM growth 3Y-29.01%
OM growth 5Y-14.19%
PM growth 3YN/A
PM growth 5YN/A
GM growth 3Y-5.03%
GM growth 5Y-3.42%
F-Score4
Asset Turnover1.25
Health
Industry RankSector Rank
Debt/Equity 3.65
Debt/FCF N/A
Debt/EBITDA 5.35
Cap/Depr 38.85%
Cap/Sales 1.71%
Interest Coverage 1.04
Cash Conversion N/A
Profit Quality N/A
Current Ratio 1.96
Quick Ratio 1.96
Altman-Z 2.19
F-Score4
WACC8.46%
ROIC/WACC0.57
Cap/Depr(3y)62.75%
Cap/Depr(5y)65.3%
Cap/Sales(3y)2.75%
Cap/Sales(5y)2.79%
Profit Quality(3y)N/A
Profit Quality(5y)N/A
High Growth Momentum
Growth
EPS 1Y (TTM)-56.89%
EPS 3Y-46.44%
EPS 5Y-17.87%
EPS Q2Q%3.7%
EPS Next Y60.54%
EPS Next 2Y35.39%
EPS Next 3Y18.22%
EPS Next 5YN/A
Revenue 1Y (TTM)-10.02%
Revenue growth 3Y-0.97%
Revenue growth 5Y6.08%
Sales Q2Q%-7.35%
Revenue Next Year-7.96%
Revenue Next 2Y-5.02%
Revenue Next 3Y-5.09%
Revenue Next 5YN/A
EBIT growth 1Y-23.2%
EBIT growth 3Y-29.69%
EBIT growth 5Y-8.98%
EBIT Next Year196.08%
EBIT Next 3Y40.56%
EBIT Next 5YN/A
FCF growth 1Y-164.23%
FCF growth 3YN/A
FCF growth 5YN/A
OCF growth 1Y-112.53%
OCF growth 3YN/A
OCF growth 5YN/A