3.52 USD
-0.07 (-1.95%)
3.6331 USD
+0.11 (+3.21%)
Overall TTEC gets a fundamental rating of 4 out of 10. We evaluated TTEC against 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 cheap, but on the other hand it scores bad on growth.
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.
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
The Return On Assets of TTEC (-1.07%) is comparable to the rest of the industry.
The Return On Equity of TTEC (-6.82%) is comparable to the rest of the industry.
TTEC has a Return On Invested Capital (5.03%) which is in line with its industry peers.
The Average Return On Invested Capital over the past 3 years for TTEC is significantly below the industry average of 28.99%.
| 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 of 3.93%. This is comparable to the rest of the industry: TTEC outperforms 54.55% of its industry peers.
In the last couple of years the Operating Margin of TTEC has declined.
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.
TTEC has more shares outstanding than it did 5 years ago.
TTEC has a worse debt/assets ratio than last year.
2.2 Solvency
TTEC has an Altman-Z score of 2.14. 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 (2.14) is comparable to the rest of the industry.
The Debt to FCF ratio of TTEC is 10.72, which is on the high side as it means it would take TTEC, 10.72 years of fcf income to pay off all of its debts.
With a Debt to FCF ratio value of 10.72, TTEC perfoms like the industry average, outperforming 44.32% of the companies in the same 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 in the lower half of the industry: TTEC underperforms 78.41% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 3.35 | ||
| Debt/FCF | 10.72 | ||
| Altman-Z | 2.14 |
ROIC/WACC0.63
WACC7.92%
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 (1.75) which is comparable to the rest of the 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
The earnings per share for TTEC have decreased by -8.99% in the last year.
The earnings per share for TTEC have been decreasing by -17.87% on average. This is quite bad
TTEC shows a decrease in Revenue. In the last year, the revenue decreased by -5.82%.
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
The Revenue is expected to decrease by -2.64% on average over the next years.
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
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
With a Price/Earnings ratio of 4.35, the valuation of TTEC can be described as very cheap.
Compared to the rest of the industry, the Price/Earnings ratio of TTEC indicates a rather cheap valuation: TTEC is cheaper than 96.59% of the companies listed in the same industry.
The average S&P500 Price/Earnings ratio is at 27.19. TTEC is valued rather cheaply when compared to this.
With a Price/Forward Earnings ratio of 2.59, the valuation of TTEC can be described as very cheap.
TTEC's Price/Forward Earnings ratio is rather cheap when compared to the industry. TTEC is cheaper than 100.00% of the companies in the same industry.
Compared to an average S&P500 Price/Forward Earnings ratio of 23.88, TTEC is valued rather cheaply.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 4.35 | ||
| Fwd PE | 2.59 |
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 95.45% of the companies listed in the same industry.
100.00% of the companies in the same industry are more expensive than TTEC, based on the Price/Free Cash Flow ratio.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 2.08 | ||
| EV/EBITDA | 5.59 |
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
With a Yearly Dividend Yield of 5.54%, TTEC is a good candidate for dividend investing.
TTEC's Dividend Yield is rather good when compared to the industry average which is at 0.43. TTEC pays more dividend than 100.00% of the companies in the same industry.
Compared to an average S&P500 Dividend Yield of 1.90, 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%
3.52
-0.07 (-1.95%)
Chartmill FA Rating
GICS SectorInformation Technology
GICS IndustryGroupSoftware & Services
GICS IndustryIT Services
Earnings (Last)
Earnings (Next)
Inst Owners33.57%
Inst Owner Change0%
Ins Owners58.57%
Ins Owner Change1.02%
Market Cap170.90M
Revenue(TTM)2.13B
Net Income(TTM)-17.97M
Analysts76
Price Target5.1 (44.89%)
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 | 4.35 | ||
| Fwd PE | 2.59 | ||
| P/S | 0.08 | ||
| P/FCF | 2.08 | ||
| P/OCF | 1.46 | ||
| P/B | 0.65 | ||
| P/tB | N/A | ||
| EV/EBITDA | 5.59 |
EPS(TTM)0.81
EY23.01%
EPS(NY)1.36
Fwd EY38.61%
FCF(TTM)1.7
FCFY48.18%
OCF(TTM)2.42
OCFY68.71%
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 | 2.14 |
F-Score6
WACC7.92%
ROIC/WACC0.63
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 4.35 and the Price/Book (PB) ratio is 0.65.
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%.