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TTEC HOLDINGS INC (TTEC) Stock Fundamental Analysis

NASDAQ:TTEC - Nasdaq - US89854H1023 - Common Stock - Currency: USD

5.24  +0.09 (+1.75%)

After market: 5.24 0 (0%)

Fundamental Rating

3

TTEC gets a fundamental rating of 3 out of 10. The analysis compared the fundamentals against 82 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.


Dividend Valuation Growth Profitability Health

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2

1. Profitability

1.1 Basic Checks

In the past year TTEC was profitable.
In the past year TTEC has reported a negative cash flow from operations.
TTEC had positive earnings in 4 of the past 5 years.
Of the past 5 years TTEC 4 years had a positive operating cash flow.
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 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 0 100M -100M 200M -200M -300M

1.2 Ratios

TTEC's Return On Assets of -18.38% is on the low side compared to the rest of the industry. TTEC is outperformed by 82.93% of its industry peers.
The Return On Equity of TTEC (-120.19%) is worse than 85.37% of its industry peers.
TTEC has a Return On Invested Capital (4.80%) 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 21.64%.
Industry RankSector Rank
ROA -18.38%
ROE -120.19%
ROIC 4.8%
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 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 0 -50 -100

1.3 Margins

TTEC has a Operating Margin (3.91%) which is comparable to the rest of the industry.
TTEC's Operating Margin has declined in the last couple of years.
With a Gross Margin value of 21.64%, TTEC is not doing good in the industry: 79.27% of the companies in the same industry are doing better.
TTEC's Gross Margin has declined in the last couple of years.
Industry RankSector Rank
OM 3.91%
PM (TTM) N/A
GM 21.64%
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 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 0 10 -10 20

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2

2. Health

2.1 Basic Checks

The Return on Invested Capital (ROIC) is below the Cost of Capital (WACC), so TTEC is destroying value.
Compared to 1 year ago, TTEC has more shares outstanding
Compared to 5 years ago, TTEC has more shares outstanding
Compared to 1 year ago, TTEC has a worse debt to assets ratio.
TTEC Yearly Shares OutstandingTTEC Yearly Shares OutstandingYearly Shares Outstanding 2015 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 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 500M 1B 1.5B 2B

2.2 Solvency

TTEC has an Altman-Z score of 2.18. 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 worse Altman-Z score (2.18) than 60.98% of its industry peers.
TTEC has a Debt/Equity ratio of 3.65. This is a high value indicating a heavy dependency on external financing.
Looking at the Debt to Equity ratio, with a value of 3.65, TTEC is doing worse than 85.37% of the companies in the same industry.
Industry RankSector Rank
Debt/Equity 3.65
Debt/FCF N/A
Altman-Z 2.18
ROIC/WACC0.57
WACC8.46%
TTEC Yearly LT Debt VS Equity VS FCFTTEC Yearly LT Debt VS Equity VS FCFYearly LT Debt VS Equity VS FCF 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 0 200M 400M 600M 800M

2.3 Liquidity

A Current Ratio of 1.96 indicates that TTEC should not have too much problems paying its short term obligations.
TTEC's Current ratio of 1.96 is fine compared to the rest of the industry. TTEC outperforms 62.20% of its industry peers.
TTEC has a Quick Ratio of 1.96. 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 better Quick ratio (1.96) than 64.63% of its industry peers.
Industry RankSector Rank
Current Ratio 1.96
Quick Ratio 1.96
TTEC Yearly Current Assets VS Current LiabilitesTTEC Yearly Current Assets VS Current LiabilitesYearly Current Assets VS Current Liabilites 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 200M 400M 600M

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2

3. Growth

3.1 Past

The earnings per share for TTEC have decreased strongly by -56.89% 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 very negative growth in Revenue. The Revenue has decreased by -10.02% 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)-56.89%
EPS 3Y-46.44%
EPS 5Y-17.87%
EPS Q2Q%3.7%
Revenue 1Y (TTM)-10.02%
Revenue growth 3Y-0.97%
Revenue growth 5Y6.08%
Sales Q2Q%-7.35%

3.2 Future

Based on estimates for the next years, TTEC will show a quite strong growth in Earnings Per Share. The EPS will grow by 18.22% on average per year.
Based on estimates for the next years, TTEC will show a decrease in Revenue. The Revenue will decrease by -5.09% on average per year.
EPS Next Y60.54%
EPS Next 2Y35.39%
EPS Next 3Y18.22%
EPS Next 5YN/A
Revenue Next Year-7.96%
Revenue Next 2Y-5.02%
Revenue Next 3Y-5.09%
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.
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 2014 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 2014 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 2027 1 2 3 4

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7

4. Valuation

4.1 Price/Earnings Ratio

With a Price/Earnings ratio of 7.28, the valuation of TTEC can be described as very cheap.
Based on the Price/Earnings ratio, TTEC is valued cheaply inside the industry as 95.12% of the companies are valued more expensively.
TTEC is valuated cheaply when we compare the Price/Earnings ratio to 27.30, which is the current average of the S&P500 Index.
A Price/Forward Earnings ratio of 4.03 indicates a rather cheap valuation of TTEC.
Based on the Price/Forward Earnings ratio, TTEC is valued cheaper than 98.78% of the companies in the same industry.
When comparing the Price/Forward Earnings ratio of TTEC to the average of the S&P500 Index (21.76), we can say TTEC is valued rather cheaply.
Industry RankSector Rank
PE 7.28
Fwd PE 4.03
TTEC Price Earnings VS Forward Price EarningsTTEC Price Earnings VS Forward Price Earnings ChartPrice Earnings - Forward Price Earnings PE FPE 20 40 60

4.2 Price Multiples

91.46% of the companies in the same industry are more expensive than TTEC, based on the Enterprise Value to EBITDA ratio.
Industry RankSector Rank
P/FCF N/A
EV/EBITDA 6.25
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.
TTEC's earnings are expected to grow with 18.22% in the coming years. This may justify a more expensive valuation.
PEG (NY)0.12
PEG (5Y)N/A
EPS Next 2Y35.39%
EPS Next 3Y18.22%

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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 2.48, TTEC pays a better dividend. On top of this TTEC pays more dividend than 98.78% of the companies listed in the same industry.
Compared to an average S&P500 Dividend Yield of 2.37, 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 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
TTEC Yearly Dividends per shareTTEC Yearly Dividends per shareYearly Dividends per share 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 0.5 1 1.5 2 2.5

5.3 Sustainability

The earnings of TTEC are negative and hence is the payout ratio. TTEC will probably not be able to sustain this dividend level.
DP-0.9%
EPS Next 2Y35.39%
EPS Next 3Y18.22%
TTEC Yearly Income VS Free CF VS DividendTTEC Yearly Income VS Free CF VS DividendYearly Income VS Free CF VS Dividend 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 0 100M -100M 200M -200M -300M

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TTEC HOLDINGS INC

NASDAQ:TTEC (7/11/2025, 8:00:02 PM)

After market: 5.24 0 (0%)

5.24

+0.09 (+1.75%)

Chartmill FA Rating
GICS SectorInformation Technology
GICS IndustryGroupSoftware & Services
GICS IndustryIT Services
Earnings (Last)05-08 2025-05-08/amc
Earnings (Next)07-30 2025-07-30/amc
Inst Owners33.47%
Inst Owner Change0%
Ins Owners59.27%
Ins Owner Change3.05%
Market Cap250.63M
Analysts80
Price Target6.36 (21.37%)
Short Float %14.36%
Short Ratio9.72
Dividend
Industry RankSector Rank
Dividend Yield 5.54%
Yearly Dividend0.06
Dividend Growth(5Y)-37.34%
DP-0.9%
Div Incr Years0
Div Non Decr Years0
Ex-DateN/A
Surprises & Revisions
EPS beat(2)1
Avg EPS beat(2)10.79%
Min EPS beat(2)-5.51%
Max EPS beat(2)27.09%
EPS beat(4)1
Avg EPS beat(4)-13.08%
Min EPS beat(4)-53.36%
Max EPS beat(4)27.09%
EPS beat(8)3
Avg EPS beat(8)-6.09%
EPS beat(12)7
Avg EPS beat(12)5.24%
EPS beat(16)11
Avg EPS beat(16)7.21%
Revenue beat(2)1
Avg Revenue beat(2)-0.65%
Min Revenue beat(2)-3.37%
Max Revenue beat(2)2.08%
Revenue beat(4)1
Avg Revenue beat(4)-2.56%
Min Revenue beat(4)-5.23%
Max Revenue beat(4)2.08%
Revenue beat(8)3
Avg Revenue beat(8)-1.42%
Revenue beat(12)6
Avg Revenue beat(12)-0.55%
Revenue beat(16)9
Avg Revenue beat(16)-0.32%
PT rev (1m)12.31%
PT rev (3m)12.31%
EPS NQ rev (1m)0%
EPS NQ rev (3m)-9.72%
EPS NY rev (1m)0%
EPS NY rev (3m)4.24%
Revenue NQ rev (1m)0%
Revenue NQ rev (3m)0.23%
Revenue NY rev (1m)0%
Revenue NY rev (3m)0.39%
Valuation
Industry RankSector Rank
PE 7.28
Fwd PE 4.03
P/S 0.12
P/FCF N/A
P/OCF N/A
P/B 0.95
P/tB N/A
EV/EBITDA 6.25
EPS(TTM)0.72
EY13.74%
EPS(NY)1.3
Fwd EY24.84%
FCF(TTM)-1.23
FCFYN/A
OCF(TTM)-0.45
OCFYN/A
SpS45.27
BVpS5.52
TBVpS-9.72
PEG (NY)0.12
PEG (5Y)N/A
Profitability
Industry RankSector Rank
ROA -18.38%
ROE -120.19%
ROCE 6.08%
ROIC 4.8%
ROICexc 5.11%
ROICexgc 11.56%
OM 3.91%
PM (TTM) N/A
GM 21.64%
FCFM N/A
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%
ROICexcg growth 3Y-35.71%
ROICexcg 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-Score4
Asset Turnover1.25
Health
Industry RankSector Rank
Debt/Equity 3.65
Debt/FCF N/A
Debt/EBITDA 5.35
Cap/Depr 38.85%
Cap/Sales 1.71%
Interest Coverage 1.04
Cash Conversion N/A
Profit Quality N/A
Current Ratio 1.96
Quick Ratio 1.96
Altman-Z 2.18
F-Score4
WACC8.46%
ROIC/WACC0.57
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)-56.89%
EPS 3Y-46.44%
EPS 5Y-17.87%
EPS Q2Q%3.7%
EPS Next Y60.54%
EPS Next 2Y35.39%
EPS Next 3Y18.22%
EPS Next 5YN/A
Revenue 1Y (TTM)-10.02%
Revenue growth 3Y-0.97%
Revenue growth 5Y6.08%
Sales Q2Q%-7.35%
Revenue Next Year-7.96%
Revenue Next 2Y-5.02%
Revenue Next 3Y-5.09%
Revenue Next 5YN/A
EBIT growth 1Y-23.2%
EBIT growth 3Y-29.69%
EBIT growth 5Y-8.98%
EBIT Next Year196.08%
EBIT Next 3Y40.56%
EBIT Next 5YN/A
FCF growth 1Y-164.23%
FCF growth 3YN/A
FCF growth 5YN/A
OCF growth 1Y-112.53%
OCF growth 3YN/A
OCF growth 5YN/A