TTEC HOLDINGS INC (TTEC) Stock Fundamental Analysis

NASDAQ:TTEC • US89854H1023

2.36 USD
+0.16 (+7.27%)
Last: Feb 13, 2026, 08:00 PM
Overview Stock Chart Technical Analysis Fundamental Analysis Analyst Ratings Earnings Estimates Financials Ownership News
Fundamental Rating

4

TTEC gets a fundamental rating of 4 out of 10. The analysis compared the fundamentals against 87 industry peers in the IT Services industry. TTEC has a bad profitability rating. Also its financial health evaluation is rather negative. TTEC is valued quite cheap, but it does not seem to be growing.


Dividend Valuation Growth Profitability Health

3

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.
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 0 100M -100M 200M -200M -300M

1.2 Ratios

  • TTEC's Return On Assets of -1.07% is in line compared to the rest of the industry. TTEC outperforms 45.98% of its industry peers.
  • TTEC's Return On Equity of -6.82% is in line compared to the rest of the industry. TTEC outperforms 45.98% 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 58.62% of the companies in the same industry.
  • The Average Return On Invested Capital over the past 3 years for TTEC is below the industry average of 10.59%.
Industry RankSector 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%
TTEC Yearly ROA, ROE, ROICTTEC Yearly ROA, ROE, ROICYearly ROA, ROE, ROIC 2016 2017 2018 2019 2020 2021 2022 2023 2024 0 -50 -100

1.3 Margins

  • TTEC's Operating Margin of 3.93% is in line compared to the rest of the industry. TTEC outperforms 54.02% of its industry peers.
  • TTEC's Operating Margin has declined in the last couple of years.
  • Looking at the Gross Margin, with a value of 21.46%, TTEC is doing worse than 79.31% of the companies in the same industry.
  • TTEC's Gross Margin has declined in the last couple of years.
Industry RankSector 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%
TTEC Yearly Profit, Operating, Gross MarginsTTEC Yearly Profit, Operating, Gross MarginsYearly Profit, Operating, Gross Margins 2016 2017 2018 2019 2020 2021 2022 2023 2024 0 10 -10 20

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ROAROEROICOperating and Profit MarginShow most profitable peers

3

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.
  • TTEC has more shares outstanding than it did 5 years ago.
  • Compared to 1 year ago, TTEC has a worse debt to assets ratio.
TTEC Yearly Shares OutstandingTTEC Yearly Shares OutstandingYearly Shares Outstanding 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 2016 2017 2018 2019 2020 2021 2022 2023 2024 500M 1B 1.5B 2B

2.2 Solvency

  • An Altman-Z score of 2.12 indicates that TTEC is not a great score, but indicates only limited risk for bankruptcy at the moment.
  • TTEC has a Altman-Z score (2.12) which is in line with its industry peers.
  • 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.
  • TTEC has a Debt to FCF ratio of 10.72. This is comparable to the rest of the industry: TTEC outperforms 43.68% of its industry peers.
  • A Debt/Equity ratio of 3.35 is on the high side and indicates that TTEC has dependencies on debt financing.
  • The Debt to Equity ratio of TTEC (3.35) is worse than 79.31% of its industry peers.
Industry RankSector Rank
Debt/Equity 3.35
Debt/FCF 10.72
Altman-Z 2.12
ROIC/WACC0.67
WACC7.5%
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 0 200M 400M 600M 800M

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 in line with its industry peers.
  • A Quick Ratio of 1.75 indicates that TTEC should not have too much problems paying its short term obligations.
  • With a Quick ratio value of 1.75, TTEC perfoms like the industry average, outperforming 51.72% of the companies in the same industry.
Industry RankSector Rank
Current Ratio 1.75
Quick Ratio 1.75
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 200M 400M 600M

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WACCDebt/EquityHow to determine the health of a companyAltman-Z scoreShow peers with great health

3

3. Growth

3.1 Past

  • The earnings per share for TTEC have decreased by -8.99% in the last year.
  • 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.
  • Looking at the last year, TTEC shows a decrease in Revenue. The Revenue has decreased by -5.82% in the last 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
  • 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.
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 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 1 2 3 4

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Find the best growth stocksShow best growing peers

9

4. Valuation

4.1 Price/Earnings Ratio

  • A Price/Earnings ratio of 2.91 indicates a rather cheap valuation of TTEC.
  • Based on the Price/Earnings ratio, TTEC is valued cheaply inside the industry as 96.55% of the companies are valued more expensively.
  • When comparing the Price/Earnings ratio of TTEC to the average of the S&P500 Index (27.97), we can say TTEC is valued rather cheaply.
  • Based on the Price/Forward Earnings ratio of 1.74, the valuation of TTEC can be described as very cheap.
  • 100.00% 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 27.96, which is the current average of the S&P500 Index.
Industry RankSector Rank
PE 2.91
Fwd PE 1.74
TTEC Price Earnings VS Forward Price EarningsTTEC Price Earnings VS Forward Price Earnings ChartPrice Earnings - Forward Price Earnings PE FPE 10 20 30

4.2 Price Multiples

  • Based on the Enterprise Value to EBITDA ratio, TTEC is valued cheaper than 91.95% 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 RankSector Rank
P/FCF 1.39
EV/EBITDA 5.27
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 22.51% in the coming years.
PEG (NY)0.05
PEG (5Y)N/A
EPS Next 2Y38.36%
EPS Next 3Y22.51%

More info and screens

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

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 0.53, 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 RankSector 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
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 2Y38.36%
EPS Next 3Y22.51%
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 0 100M -100M 200M -200M -300M

More info and screens

Find the best dividend stocksShow peers with best dividend

TTEC HOLDINGS INC

NASDAQ:TTEC (2/13/2026, 8:00:00 PM)

2.36

+0.16 (+7.27%)

Chartmill FA Rating
GICS IndustryGroupSoftware & Services
GICS IndustryIT Services
Earnings (Last)11-06
Earnings (Next)02-26
Inst Owners33.57%
Inst Owner Change-3.41%
Ins Owners58.57%
Ins Owner Change0.87%
Market Cap114.58M
Revenue(TTM)2.13B
Net Income(TTM)-17.97M
Analysts76
Price Target5.1 (116.1%)
Short Float %25.45%
Short Ratio18.08
Dividend
Industry RankSector 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 RankSector Rank
PE 2.91
Fwd PE 1.74
P/S 0.05
P/FCF 1.39
P/OCF 0.98
P/B 0.44
P/tB N/A
EV/EBITDA 5.27
EPS(TTM)0.81
EY34.32%
EPS(NY)1.36
Fwd EY57.59%
FCF(TTM)1.7
FCFY71.86%
OCF(TTM)2.42
OCFY102.48%
SpS43.96
BVpS5.43
TBVpS-9.31
PEG (NY)0.05
PEG (5Y)N/A
Graham Number9.94
Profitability
Industry RankSector 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 RankSector 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 2.12
F-Score6
WACC7.5%
ROIC/WACC0.67
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 2.91 and the Price/Book (PB) ratio is 0.44.


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%.