3.28 USD
+0.12 (+3.8%)
3.28 USD
0 (0%)
Taking everything into account, TTEC scores 4 out of 10 in our fundamental rating. TTEC was compared to 86 industry peers in the IT Services industry. TTEC has a bad profitability rating. Also its financial health evaluation is rather negative. TTEC is cheap, but on the other hand it scores bad on growth.
1. Profitability
1.1 Basic Checks
In the past year TTEC was profitable.
TTEC had a positive operating cash flow in the past year.
TTEC had positive earnings in 4 of the past 5 years.
TTEC had a positive operating cash flow in 4 of the past 5 years.
1.2 Ratios
TTEC has a Return On Assets (-1.07%) which is comparable to the rest of the industry.
TTEC has a Return On Equity of -6.82%. This is comparable to the rest of the industry: TTEC outperforms 45.35% of its industry peers.
Looking at the Return On Invested Capital, with a value of 5.03%, TTEC is in line with its industry, outperforming 56.98% of the companies in the same industry.
Measured over the past 3 years, the Average Return On Invested Capital for TTEC is significantly below the industry average of 29.74%.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | -1.07% | ||
| ROE | -6.82% | ||
| ROIC | 5.03% |
ROA(3y)-4.38%
ROA(5y)0.35%
ROE(3y)-36.14%
ROE(5y)-10.95%
ROIC(3y)6.39%
ROIC(5y)9.26%
1.3 Margins
Looking at the Operating Margin, with a value of 3.93%, TTEC is in line with its industry, outperforming 53.49% of the companies in the same industry.
In the last couple of years the Operating Margin of TTEC has declined.
Looking at the Gross Margin, with a value of 21.46%, TTEC is doing worse than 79.07% of the companies in the same industry.
TTEC's Gross Margin has declined in the last couple of years.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| OM | 3.93% | ||
| PM (TTM) | N/A | ||
| GM | 21.46% |
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%
2. Health
2.1 Basic Checks
With a Return on Invested Capital (ROIC) below the Cost of Capital (WACC), TTEC is destroying value.
The number of shares outstanding for TTEC has been increased compared to 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.
2.2 Solvency
An Altman-Z score of 2.13 indicates that TTEC is not a great score, but indicates only limited risk for bankruptcy at the moment.
With a Altman-Z score value of 2.13, TTEC perfoms like the industry average, outperforming 43.02% of the companies in the same industry.
TTEC has a debt to FCF ratio of 10.72. This is a negative value and a sign of low solvency as TTEC would need 10.72 years to pay back of all of its debts.
TTEC has a Debt to FCF ratio (10.72) which is comparable to the rest of the industry.
A Debt/Equity ratio of 3.35 is on the high side and indicates that TTEC has dependencies on debt financing.
TTEC has a Debt to Equity ratio of 3.35. This is amonst the worse of the industry: TTEC underperforms 80.23% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 3.35 | ||
| Debt/FCF | 10.72 | ||
| Altman-Z | 2.13 |
ROIC/WACC0.64
WACC7.81%
2.3 Liquidity
TTEC has a Current Ratio of 1.75. This is a normal value and indicates that TTEC is financially healthy and should not expect problems in meeting its short term obligations.
Looking at the Current ratio, with a value of 1.75, TTEC is in line with its industry, outperforming 54.65% of the companies in the same industry.
TTEC has a Quick Ratio of 1.75. 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 Quick ratio (1.75) which is comparable to the rest of the industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | 1.75 | ||
| Quick Ratio | 1.75 |
3. Growth
3.1 Past
TTEC shows a slight negative growth in Earnings Per Share. In the last year, the EPS has decreased by -8.99%.
Measured over the past years, TTEC shows a very negative growth in Earnings Per Share. The EPS has been decreasing by -17.87% on average per year.
TTEC shows a decrease in Revenue. In the last year, the revenue decreased by -5.82%.
The Revenue has been growing slightly by 6.08% on average over the past years.
EPS 1Y (TTM)-8.99%
EPS 3Y-46.44%
EPS 5Y-17.87%
EPS Q2Q%9.09%
Revenue 1Y (TTM)-5.82%
Revenue growth 3Y-0.97%
Revenue growth 5Y6.08%
Sales Q2Q%-1.94%
3.2 Future
Based on estimates for the next years, TTEC will show a very strong growth in Earnings Per Share. The EPS will grow by 26.23% on average per year.
TTEC is expected to show a decrease in Revenue. In the coming years, the Revenue will decrease by -0.31% yearly.
EPS Next Y55.87%
EPS Next 2Y39.26%
EPS Next 3Y26.23%
EPS Next 5YN/A
Revenue Next Year-5.8%
Revenue Next 2Y-2.71%
Revenue Next 3Y-0.31%
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.
The Revenue growth rate is decreasing: in the next years the growth will be less than in the last years.
4. Valuation
4.1 Price/Earnings Ratio
The Price/Earnings ratio is 4.05, which indicates a rather cheap valuation of TTEC.
TTEC's Price/Earnings ratio is rather cheap when compared to the industry. TTEC is cheaper than 95.35% of the companies in the same industry.
TTEC's Price/Earnings ratio indicates a rather cheap valuation when compared to the S&P500 average which is at 26.15.
With a Price/Forward Earnings ratio of 2.38, the valuation of TTEC can be described as very cheap.
Compared to the rest of the industry, the Price/Forward Earnings ratio of TTEC indicates a rather cheap valuation: TTEC is cheaper than 100.00% of the companies listed in the same industry.
When comparing the Price/Forward Earnings ratio of TTEC to the average of the S&P500 Index (36.12), we can say TTEC is valued rather cheaply.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 4.05 | ||
| Fwd PE | 2.38 |
4.2 Price Multiples
Based on the Enterprise Value to EBITDA ratio, TTEC is valued cheaper than 94.19% of the companies in the same industry.
Based on the Price/Free Cash Flow ratio, TTEC is valued cheaper than 100.00% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 1.93 | ||
| EV/EBITDA | 5.52 |
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.
TTEC's earnings are expected to grow with 26.23% in the coming years. This may justify a more expensive valuation.
PEG (NY)0.07
PEG (5Y)N/A
EPS Next 2Y39.26%
EPS Next 3Y26.23%
5. Dividend
5.1 Amount
TTEC has a Yearly Dividend Yield of 5.54%, which is a nice return.
Compared to an average industry Dividend Yield of 2.06, TTEC pays a better dividend. On top of this TTEC pays more dividend than 100.00% 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 2.41.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 5.54% |
5.2 History
The dividend of TTEC decreases each year by -37.34%.
TTEC has paid a dividend for at least 10 years, which is a reliable track record.
Dividend Growth(5Y)-37.34%
Div Incr Years0
Div Non Decr Years0
5.3 Sustainability
DP0%
EPS Next 2Y39.26%
EPS Next 3Y26.23%
3.28
+0.12 (+3.8%)
Chartmill FA Rating
GICS SectorInformation Technology
GICS IndustryGroupSoftware & Services
GICS IndustryIT Services
Earnings (Last)
Earnings (Next)
Inst Owners30.44%
Inst Owner Change4.64%
Ins Owners58.52%
Ins Owner Change1.28%
Market Cap158.95M
Revenue(TTM)2.13B
Net Income(TTM)-17.97M
Analysts80
Price Target5.1 (55.49%)
Short Float %20.83%
Short Ratio12.88
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 5.54% |
Yearly Dividend0.06
Dividend Growth(5Y)-37.34%
DP0%
Div Incr Years0
Div Non Decr Years0
Ex-DateN/A
Surprises & Revisions
EPS beat(2)1
Avg EPS beat(2)-19.93%
Min EPS beat(2)-47.71%
Max EPS beat(2)7.84%
EPS beat(4)2
Avg EPS beat(4)-4.57%
Min EPS beat(4)-47.71%
Max EPS beat(4)27.09%
EPS beat(8)2
Avg EPS beat(8)-13.82%
EPS beat(12)6
Avg EPS beat(12)-0.7%
EPS beat(16)10
Avg EPS beat(16)1.92%
Revenue beat(2)2
Avg Revenue beat(2)1.58%
Min Revenue beat(2)0.96%
Max Revenue beat(2)2.21%
Revenue beat(4)3
Avg Revenue beat(4)0.47%
Min Revenue beat(4)-3.37%
Max Revenue beat(4)2.21%
Revenue beat(8)5
Avg Revenue beat(8)-0.65%
Revenue beat(12)7
Avg Revenue beat(12)-0.16%
Revenue beat(16)10
Avg Revenue beat(16)-0.1%
PT rev (1m)0%
PT rev (3m)0%
EPS NQ rev (1m)0%
EPS NQ rev (3m)0%
EPS NY rev (1m)0%
EPS NY rev (3m)0%
Revenue NQ rev (1m)-5.02%
Revenue NQ rev (3m)-4.95%
Revenue NY rev (1m)0%
Revenue NY rev (3m)0%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 4.05 | ||
| Fwd PE | 2.38 | ||
| P/S | 0.07 | ||
| P/FCF | 1.93 | ||
| P/OCF | 1.35 | ||
| P/B | 0.6 | ||
| P/tB | N/A | ||
| EV/EBITDA | 5.52 |
EPS(TTM)0.81
EY24.7%
EPS(NY)1.38
Fwd EY41.98%
FCF(TTM)1.7
FCFY51.8%
OCF(TTM)2.42
OCFY73.87%
SpS44.04
BVpS5.44
TBVpS-9.32
PEG (NY)0.07
PEG (5Y)N/A
Graham Number9.95
Profitability
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | -1.07% | ||
| ROE | -6.82% | ||
| ROCE | 6.36% | ||
| ROIC | 5.03% | ||
| ROICexc | 5.32% | ||
| ROICexgc | 12.51% | ||
| OM | 3.93% | ||
| PM (TTM) | N/A | ||
| GM | 21.46% | ||
| FCFM | 3.86% |
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%
ROICexgc growth 3Y-35.71%
ROICexgc 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-Score6
Asset Turnover1.27
Health
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 3.35 | ||
| Debt/FCF | 10.72 | ||
| Debt/EBITDA | 5.04 | ||
| Cap/Depr | 38.43% | ||
| Cap/Sales | 1.64% | ||
| Interest Coverage | 1.13 | ||
| Cash Conversion | 67.02% | ||
| Profit Quality | N/A | ||
| Current Ratio | 1.75 | ||
| Quick Ratio | 1.75 | ||
| Altman-Z | 2.13 |
F-Score6
WACC7.81%
ROIC/WACC0.64
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)-8.99%
EPS 3Y-46.44%
EPS 5Y-17.87%
EPS Q2Q%9.09%
EPS Next Y55.87%
EPS Next 2Y39.26%
EPS Next 3Y26.23%
EPS Next 5YN/A
Revenue 1Y (TTM)-5.82%
Revenue growth 3Y-0.97%
Revenue growth 5Y6.08%
Sales Q2Q%-1.94%
Revenue Next Year-5.8%
Revenue Next 2Y-2.71%
Revenue Next 3Y-0.31%
Revenue Next 5YN/A
EBIT growth 1Y5.13%
EBIT growth 3Y-29.69%
EBIT growth 5Y-8.98%
EBIT Next Year193.01%
EBIT Next 3Y45.69%
EBIT Next 5YN/A
FCF growth 1Y43.68%
FCF growth 3YN/A
FCF growth 5YN/A
OCF growth 1Y-10.64%
OCF growth 3YN/A
OCF growth 5YN/A
TTEC HOLDINGS INC / TTEC FAQ
What is the ChartMill fundamental rating of TTEC HOLDINGS INC (TTEC) stock?
ChartMill assigns a fundamental rating of 4 / 10 to TTEC.
Can you provide the valuation status for TTEC HOLDINGS INC?
ChartMill assigns a valuation rating of 9 / 10 to TTEC HOLDINGS INC (TTEC). This can be considered as Undervalued.
What is the profitability of TTEC stock?
TTEC HOLDINGS INC (TTEC) has a profitability rating of 3 / 10.
What is the financial health of TTEC HOLDINGS INC (TTEC) stock?
The financial health rating of TTEC HOLDINGS INC (TTEC) is 3 / 10.
Can you provide the expected EPS growth for TTEC stock?
The Earnings per Share (EPS) of TTEC HOLDINGS INC (TTEC) is expected to grow by 55.87% in the next year.