3.66 USD
-0.04 (-1.08%)
3.66 USD
0 (0%)
TTEC gets a fundamental rating of 4 out of 10. The analysis compared the fundamentals against 85 industry peers in the IT Services industry. Both the profitability and financial health of TTEC have multiple concerns. 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.
In the past year TTEC had a positive cash flow from operations.
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 in line with its industry peers.
With a Return On Equity value of -6.82%, TTEC perfoms like the industry average, outperforming 43.53% of the companies in the same industry.
TTEC has a Return On Invested Capital of 5.03%. This is comparable to the rest of the industry: TTEC outperforms 56.47% of its industry peers.
The Average Return On Invested Capital over the past 3 years for TTEC is significantly below the industry average of 29.59%.
| 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 (3.93%) which is comparable to the rest of the industry.
TTEC's Operating Margin has declined in the last couple of years.
TTEC has a Gross Margin of 21.46%. This is amonst the worse of the industry: TTEC underperforms 80.00% of its industry peers.
In the last couple of years the Gross Margin of TTEC has declined.
| 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.
Compared to 1 year ago, TTEC has more shares outstanding
The number of shares outstanding for TTEC has been increased compared to 5 years ago.
The debt/assets ratio for TTEC is higher compared to a year ago.
2.2 Solvency
An Altman-Z score of 2.14 indicates that TTEC is not a great score, but indicates only limited risk for bankruptcy at the moment.
With a Altman-Z score value of 2.14, TTEC perfoms like the industry average, outperforming 41.18% of the companies in the same 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.
A Debt/Equity ratio of 3.35 is on the high side and indicates that TTEC has dependencies on debt financing.
TTEC's Debt to Equity ratio of 3.35 is on the low side compared to the rest of the industry. TTEC is outperformed by 82.35% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 3.35 | ||
| Debt/FCF | 10.72 | ||
| Altman-Z | 2.14 |
ROIC/WACC0.63
WACC7.95%
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.
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.
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.
The Revenue has decreased by -5.82% in the past year.
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
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
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
The Price/Earnings ratio is 4.52, which indicates a rather cheap valuation of TTEC.
Based on the Price/Earnings ratio, TTEC is valued cheaply inside the industry as 96.47% of the companies are valued more expensively.
TTEC is valuated cheaply when we compare the Price/Earnings ratio to 26.38, which is the current average of the S&P500 Index.
The Price/Forward Earnings ratio is 2.69, which indicates a rather cheap valuation of TTEC.
Based on the Price/Forward Earnings ratio, TTEC is valued cheaper than 100.00% of the companies in the same industry.
When comparing the Price/Forward Earnings ratio of TTEC to the average of the S&P500 Index (23.83), we can say TTEC is valued rather cheaply.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 4.52 | ||
| Fwd PE | 2.69 |
4.2 Price Multiples
94.12% 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 | 2.16 | ||
| EV/EBITDA | 5.64 |
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
TTEC has a Yearly Dividend Yield of 5.54%, which is a nice return.
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.
Compared to an average S&P500 Dividend Yield of 1.87, 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 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%
3.66
-0.04 (-1.08%)
Chartmill FA Rating
GICS SectorInformation Technology
GICS IndustryGroupSoftware & Services
GICS IndustryIT Services
Earnings (Last)
Earnings (Next)
Inst Owners32.97%
Inst Owner Change4.64%
Ins Owners58.56%
Ins Owner Change1.08%
Market Cap177.69M
Revenue(TTM)2.13B
Net Income(TTM)-17.97M
Analysts76
Price Target5.1 (39.34%)
Short Float %24.22%
Short Ratio14.53
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)-1.38%
EPS NY rev (3m)-1.38%
Revenue NQ rev (1m)-5.02%
Revenue NQ rev (3m)-5.02%
Revenue NY rev (1m)-0.28%
Revenue NY rev (3m)-0.28%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 4.52 | ||
| Fwd PE | 2.69 | ||
| P/S | 0.08 | ||
| P/FCF | 2.16 | ||
| P/OCF | 1.51 | ||
| P/B | 0.67 | ||
| P/tB | N/A | ||
| EV/EBITDA | 5.64 |
EPS(TTM)0.81
EY22.13%
EPS(NY)1.36
Fwd EY37.14%
FCF(TTM)1.7
FCFY46.33%
OCF(TTM)2.42
OCFY66.08%
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
WACC7.95%
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.
Can you provide the valuation status for TTEC HOLDINGS INC?
ChartMill assigns a valuation rating of 9 / 10 to TTEC HOLDINGS INC (TTEC). This can be considered as Undervalued.
What is the profitability of TTEC stock?
TTEC HOLDINGS INC (TTEC) has a profitability rating of 3 / 10.
What is the financial health of TTEC HOLDINGS INC (TTEC) stock?
The financial health rating of TTEC HOLDINGS INC (TTEC) is 3 / 10.
Can you provide the expected EPS growth for TTEC stock?
The Earnings per Share (EPS) of TTEC HOLDINGS INC (TTEC) is expected to grow by 53.72% in the next year.