3.3 USD
-0.02 (-0.6%)
3.3 USD
0 (0%)
Taking everything into account, TTEC scores 4 out of 10 in our fundamental rating. TTEC was compared to 88 industry peers in the IT Services industry. TTEC may be in some trouble as it scores bad on both profitability and health. TTEC is valued quite cheap, but it does not seem to be growing.
1. Profitability
1.1 Basic Checks
- TTEC had positive earnings in the past year.
- TTEC had a positive operating cash flow in the past year.
- Of the past 5 years TTEC 4 years were profitable.
- TTEC had a positive operating cash flow in 4 of the past 5 years.
1.2 Ratios
- The Return On Assets of TTEC (-1.07%) is comparable to the rest of the industry.
- With a Return On Equity value of -6.82%, TTEC perfoms like the industry average, outperforming 46.59% of the companies in the same industry.
- Looking at the Return On Invested Capital, with a value of 5.03%, TTEC is in line with its industry, outperforming 57.95% 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 29.06%.
| 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
- TTEC has a Operating Margin (3.93%) which is in line with its industry peers.
- TTEC's Operating Margin has declined in the last couple of years.
- With a Gross Margin value of 21.46%, TTEC is not doing good in the industry: 78.41% of the companies in the same industry are doing better.
- 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.
- TTEC has more shares outstanding than it did 1 year ago.
- Compared to 5 years ago, TTEC has more shares outstanding
- TTEC has a worse debt/assets ratio than last year.
2.2 Solvency
- TTEC has an Altman-Z score of 2.13. 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.
- TTEC has a Altman-Z score of 2.13. This is comparable to the rest of the industry: TTEC outperforms 43.18% of its industry peers.
- 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's Debt to FCF ratio of 10.72 is in line compared to the rest of the industry. TTEC outperforms 44.32% of its industry peers.
- TTEC has a Debt/Equity ratio of 3.35. This is a high value indicating a heavy dependency on external financing.
- Looking at the Debt to Equity ratio, with a value of 3.35, TTEC is doing worse than 78.41% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 3.35 | ||
| Debt/FCF | 10.72 | ||
| Altman-Z | 2.13 |
ROIC/WACC0.64
WACC7.85%
2.3 Liquidity
- A Current Ratio of 1.75 indicates that TTEC should not have too much problems paying its short term obligations.
- TTEC has a Current ratio of 1.75. This is comparable to the rest of the industry: TTEC outperforms 53.41% of its industry peers.
- A Quick Ratio of 1.75 indicates that TTEC should not have too much problems paying its short term obligations.
- Looking at the Quick ratio, with a value of 1.75, TTEC is in line with its industry, outperforming 53.41% of the companies in the same 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%.
- TTEC shows a very negative growth in Earnings Per Share. Measured over the last years, the EPS has been decreasing by -17.87% yearly.
- The Revenue has decreased by -5.82% in the past year.
- Measured over the past years, TTEC shows a small growth in Revenue. The Revenue has been growing by 6.08% on average per year.
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
- The Earnings Per Share is expected to grow by 22.51% on average over the next years. This is a very strong growth
- Based on estimates for the next years, TTEC will show a decrease in Revenue. The Revenue will decrease by -2.64% on average per year.
EPS Next Y53.72%
EPS Next 2Y38.36%
EPS Next 3Y22.51%
EPS Next 5YN/A
Revenue Next Year-6.06%
Revenue Next 2Y-3.08%
Revenue Next 3Y-2.64%
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.
4. Valuation
4.1 Price/Earnings Ratio
- The Price/Earnings ratio is 4.07, which indicates a rather cheap valuation of TTEC.
- Based on the Price/Earnings ratio, TTEC is valued cheaply inside the industry as 96.59% of the companies are valued more expensively.
- The average S&P500 Price/Earnings ratio is at 27.38. TTEC is valued rather cheaply when compared to this.
- A Price/Forward Earnings ratio of 2.43 indicates a rather cheap valuation of TTEC.
- Based on the Price/Forward Earnings ratio, TTEC is valued cheaply inside the industry as 100.00% of the companies are valued more expensively.
- TTEC's Price/Forward Earnings ratio indicates a rather cheap valuation when compared to the S&P500 average which is at 24.29.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 4.07 | ||
| Fwd PE | 2.43 |
4.2 Price Multiples
- TTEC's Enterprise Value to EBITDA ratio is rather cheap when compared to the industry. TTEC is cheaper than 95.45% of the companies in the same industry.
- Compared to the rest of the industry, the Price/Free Cash Flow ratio of TTEC indicates a rather cheap valuation: TTEC is cheaper than 100.00% of the companies listed in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 1.95 | ||
| EV/EBITDA | 5.53 |
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.
- A more expensive valuation may be justified as TTEC's earnings are expected to grow with 22.51% in the coming years.
PEG (NY)0.08
PEG (5Y)N/A
EPS Next 2Y38.36%
EPS Next 3Y22.51%
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 0.43, TTEC pays a better dividend. On top of this TTEC pays more dividend than 100.00% of the companies listed in the same industry.
- Compared to an average S&P500 Dividend Yield of 1.84, TTEC pays a better dividend.
| 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 2Y38.36%
EPS Next 3Y22.51%
3.3
-0.02 (-0.6%)
Chartmill FA Rating
GICS SectorInformation Technology
GICS IndustryGroupSoftware & Services
GICS IndustryIT Services
Earnings (Last)11-06 2025-11-06/amc
Earnings (Next)02-25 2026-02-25/amc
Inst Owners33.57%
Inst Owner Change-0.04%
Ins Owners58.57%
Ins Owner Change0.87%
Market Cap160.22M
Revenue(TTM)2.13B
Net Income(TTM)-17.97M
Analysts76
Price Target5.1 (54.55%)
Short Float %24.28%
Short Ratio14.44
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)-1.38%
Revenue NQ rev (1m)0%
Revenue NQ rev (3m)-5.02%
Revenue NY rev (1m)0%
Revenue NY rev (3m)-0.28%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 4.07 | ||
| Fwd PE | 2.43 | ||
| P/S | 0.08 | ||
| P/FCF | 1.95 | ||
| P/OCF | 1.36 | ||
| P/B | 0.61 | ||
| P/tB | N/A | ||
| EV/EBITDA | 5.53 |
EPS(TTM)0.81
EY24.55%
EPS(NY)1.36
Fwd EY41.19%
FCF(TTM)1.7
FCFY51.39%
OCF(TTM)2.42
OCFY73.29%
SpS43.96
BVpS5.43
TBVpS-9.31
PEG (NY)0.08
PEG (5Y)N/A
Graham Number9.94
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
WACC7.85%
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 Y53.72%
EPS Next 2Y38.36%
EPS Next 3Y22.51%
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-6.06%
Revenue Next 2Y-3.08%
Revenue Next 3Y-2.64%
Revenue Next 5YN/A
EBIT growth 1Y5.13%
EBIT growth 3Y-29.69%
EBIT growth 5Y-8.98%
EBIT Next Year186.1%
EBIT Next 3Y43.04%
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.
What is the valuation status of TTEC HOLDINGS INC (TTEC) stock?
ChartMill assigns a valuation rating of 9 / 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 4.07 and the Price/Book (PB) ratio is 0.61.
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%.