TTEC HOLDINGS INC (TTEC) Fundamental Analysis & Valuation

NASDAQ:TTEC • US89854H1023

Current stock price

2.22 USD
-0.08 (-3.69%)
At close:
2.22 USD
0 (0%)
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.
  • In the past year TTEC had a positive cash flow from operations.
  • The reported net income has been mixed in the past 5 years: TTEC reported negative net income in multiple years.
  • TTEC had a positive operating cash flow in 4 of the past 5 years.
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

  • The Return On Assets of TTEC (-12.84%) is worse than 72.73% of its industry peers.
  • Looking at the Return On Equity, with a value of -202.45%, TTEC is doing worse than 80.68% of the companies in the same industry.
  • The Return On Invested Capital of TTEC (6.64%) is better than 65.91% of its industry peers.
  • The Average Return On Invested Capital over the past 3 years for TTEC is significantly below the industry average of 11.07%.
  • 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

  • With a Operating Margin value of 4.50%, TTEC perfoms like the industry average, outperforming 55.68% of the companies in the same industry.
  • TTEC's Operating Margin has declined in the last couple of years.
  • TTEC has a Gross Margin of 21.82%. This is in the lower half of the industry: TTEC underperforms 77.27% 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

  • TTEC has a Return on Invested Capital (ROIC), which is below the Cost of Capital (WACC), which means it 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.
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

  • An Altman-Z score of 2.27 indicates that TTEC is not a great score, but indicates only limited risk for bankruptcy at the moment.
  • Looking at the Altman-Z score, with a value of 2.27, TTEC is in line with its industry, outperforming 50.00% of the companies in the same industry.
  • The Debt to FCF ratio of TTEC is 10.92, which is on the high side as it means it would take TTEC, 10.92 years of fcf income to pay off all of its debts.
  • TTEC has a Debt to FCF ratio of 10.92. This is comparable to the rest of the industry: TTEC outperforms 45.45% of its industry peers.
  • A Debt/Equity ratio of 9.52 is on the high side and indicates that TTEC has dependencies on debt financing.
  • TTEC has a Debt to Equity ratio of 9.52. This is amonst the worse of the industry: TTEC underperforms 81.82% of its industry peers.
Industry RankSector Rank
Debt/Equity 9.52
Debt/FCF 10.92
Altman-Z 2.27
ROIC/WACC0.97
WACC6.84%
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.
  • With a Current ratio value of 1.89, TTEC perfoms like the industry average, outperforming 56.82% of the companies in the same industry.
  • A Quick Ratio of 1.89 indicates that TTEC should not have too much problems paying its short term obligations.
  • With a Quick ratio value of 1.89, TTEC perfoms like the industry average, outperforming 56.82% 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
  • The Revenue has decreased by -3.20% in the past year.
  • Measured over the past years, TTEC shows a small growth in Revenue. The Revenue has been growing by 1.86% on average per year.
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.
  • The Revenue is expected to decrease by -1.53% on average over the next years.
EPS Next Y29.61%
EPS Next 2Y13.23%
EPS Next 3Y10.96%
EPS Next 5YN/A
Revenue Next Year-2.45%
Revenue Next 2Y-1.18%
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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8

4. TTEC Valuation Analysis

4.1 Price/Earnings Ratio

  • With a Price/Earnings ratio of 2.04, the valuation of TTEC can be described as very cheap.
  • TTEC's Price/Earnings ratio is rather cheap when compared to the industry. TTEC is cheaper than 98.86% of the companies in the same industry.
  • Compared to an average S&P500 Price/Earnings ratio of 24.89, TTEC is valued rather cheaply.
  • With a Price/Forward Earnings ratio of 1.57, the valuation of TTEC can be described as very cheap.
  • Based on the Price/Forward Earnings ratio, TTEC is valued cheaply inside the industry as 100.00% of the companies are valued more expensively.
  • When comparing the Price/Forward Earnings ratio of TTEC to the average of the S&P500 Index (22.19), we can say TTEC is valued rather cheaply.
Industry RankSector Rank
PE 2.04
Fwd PE 1.57
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

  • TTEC's Enterprise Value to EBITDA ratio is rather cheap when compared to the industry. TTEC is cheaper than 90.91% 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 RankSector Rank
P/FCF 1.3
EV/EBITDA 5.01
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)0.07
PEG (5Y)N/A
EPS Next 2Y13.23%
EPS Next 3Y10.96%

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

5

5. TTEC Dividend Analysis

5.1 Amount

  • With a Yearly Dividend Yield of 5.54%, TTEC is a good candidate for dividend investing.
  • The stock price of TTEC dropped by -37.73% 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.
  • TTEC's Dividend Yield is rather good when compared to the industry average which is at 1.22. TTEC pays more dividend than 98.86% of the companies in the same industry.
  • Compared to an average S&P500 Dividend Yield of 1.89, TTEC pays a better dividend.
Industry RankSector Rank
Dividend Yield 5.54%

5.2 History

  • TTEC has paid a dividend for at least 10 years, which is 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

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TTEC Fundamentals: All Metrics, Ratios and Statistics

TTEC HOLDINGS INC

NASDAQ:TTEC (3/27/2026, 8:00:01 PM)

After market: 2.22 0 (0%)

2.22

-0.08 (-3.69%)

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 Change3.46%
Market Cap107.83M
Revenue(TTM)2.14B
Net Income(TTM)-192.47M
Analysts76
Price Target5.1 (129.73%)
Short Float %33.9%
Short Ratio14.14
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)-1.98%
Revenue NQ rev (3m)-1.98%
Revenue NY rev (1m)-2.45%
Revenue NY rev (3m)-2.45%
Valuation
Industry RankSector Rank
PE 2.04
Fwd PE 1.57
P/S 0.05
P/FCF 1.3
P/OCF 0.89
P/B 1.13
P/tB N/A
EV/EBITDA 5.01
EPS(TTM)1.09
EY49.1%
EPS(NY)1.41
Fwd EY63.64%
FCF(TTM)1.71
FCFY76.94%
OCF(TTM)2.49
OCFY112.29%
SpS44
BVpS1.96
TBVpS-8.39
PEG (NY)0.07
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 2.27
F-Score6
WACC6.84%
ROIC/WACC0.97
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-2.45%
Revenue Next 2Y-1.18%
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 2.04 and the Price/Book (PB) ratio is 1.13.


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%.