3.25 USD
+0.06 (+1.88%)
Last: Feb 2, 2026, 11:09 AM
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 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
- 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
- TTEC has a Return On Assets (-1.07%) which is comparable to the rest of the industry.
- TTEC has a Return On Equity (-6.82%) which is comparable to the rest of the industry.
- TTEC has a Return On Invested Capital of 5.03%. This is comparable to the rest of the industry: TTEC outperforms 57.95% of its industry peers.
- TTEC had an Average Return On Invested Capital over the past 3 years of 6.39%. This is significantly below the industry average of 29.07%.
| 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.
- Looking at the Gross Margin, with a value of 21.46%, TTEC is doing worse than 78.41% 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.
- TTEC has more shares outstanding than it did 1 year ago.
- Compared to 5 years ago, TTEC has more shares outstanding
- Compared to 1 year ago, TTEC has a worse debt to assets ratio.
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.
- The Altman-Z score of TTEC (2.13) 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.
- TTEC has a Debt to FCF ratio (10.72) which is in line with its industry peers.
- TTEC has a Debt/Equity ratio of 3.35. This is a high value indicating a heavy dependency on external financing.
- With a Debt to Equity ratio value of 3.35, TTEC is not doing good in the industry: 78.41% of the companies in the same industry are doing better.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 3.35 | ||
| Debt/FCF | 10.72 | ||
| Altman-Z | 2.13 |
ROIC/WACC0.64
WACC7.82%
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 53.41% of the companies in the same industry.
- 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 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%.
- 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%.
- 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
- TTEC is expected to show a strong growth in Earnings Per Share. In the coming years, the EPS will grow by 22.51% yearly.
- 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
- 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
- A Price/Earnings ratio of 4.01 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.
- When comparing the Price/Earnings ratio of TTEC to the average of the S&P500 Index (28.32), we can say TTEC is valued rather cheaply.
- Based on the Price/Forward Earnings ratio of 2.39, 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.
- TTEC is valuated cheaply when we compare the Price/Forward Earnings ratio to 25.57, which is the current average of the S&P500 Index.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 4.01 | ||
| Fwd PE | 2.39 |
4.2 Price Multiples
- 94.32% of the companies in the same industry are more expensive than TTEC, based on the Enterprise Value to EBITDA ratio.
- Based on the Price/Free Cash Flow ratio, TTEC is valued cheaply inside the industry as 100.00% of the companies are valued more expensively.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 1.92 | ||
| EV/EBITDA | 5.5 |
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.
- TTEC's earnings are expected to grow with 22.51% in the coming years. This may justify a more expensive valuation.
PEG (NY)0.07
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.
- Compared to an average industry Dividend Yield of 0.45, 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 1.83.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 5.54% |
5.2 History
- The dividend of TTEC decreases each year by -37.34%.
- TTEC has been paying a dividend for at least 10 years, so it has 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%
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 4.01 and the Price/Book (PB) ratio is 0.6.
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%.