TTEC HOLDINGS INC (TTEC) Stock Fundamental Analysis
USA - NASDAQ:TTEC - US89854H1023 - Common Stock
2.7 USD
-0.45 (-14.29%)
Taking everything into account, TTEC scores 3 out of 10 in our fundamental rating. TTEC was compared to 85 industry peers in the IT Services industry. TTEC has a bad profitability rating. Also its financial health evaluation is rather negative. TTEC has a bad growth rate and is valued cheaply.
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.
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.
1.2 Ratios
TTEC has a worse Return On Assets (-1.52%) than 60.00% of its industry peers.
TTEC has a worse Return On Equity (-9.26%) than 62.35% of its industry peers.
With a Return On Invested Capital value of 5.18%, TTEC perfoms like the industry average, outperforming 58.82% of the companies in the same industry.
TTEC had an Average Return On Invested Capital over the past 3 years of 6.39%. This is significantly below the industry average of 27.96%.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | -1.52% | ||
| ROE | -9.26% | ||
| ROIC | 5.18% |
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
The Operating Margin of TTEC (4.10%) is comparable to the rest of the industry.
In the last couple of years the Operating Margin of TTEC has declined.
TTEC has a Gross Margin of 21.76%. This is amonst the worse of the industry: TTEC underperforms 81.18% of its industry peers.
In the last couple of years the Gross Margin of TTEC has declined.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| OM | 4.1% | ||
| PM (TTM) | N/A | ||
| GM | 21.76% |
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
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
The number of shares outstanding for TTEC has been increased compared to 5 years ago.
Compared to 1 year ago, TTEC has a worse debt to assets ratio.
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.
The Altman-Z score of TTEC (2.14) is comparable to the rest of the industry.
TTEC has a Debt/Equity ratio of 3.18. This is a high value indicating a heavy dependency on external financing.
With a Debt to Equity ratio value of 3.18, TTEC is not doing good in the industry: 84.71% of the companies in the same industry are doing better.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 3.18 | ||
| Debt/FCF | N/A | ||
| Altman-Z | 2.14 |
ROIC/WACC0.67
WACC7.79%
2.3 Liquidity
A Current Ratio of 1.77 indicates that TTEC should not have too much problems paying its short term obligations.
TTEC has a Current ratio of 1.77. This is comparable to the rest of the industry: TTEC outperforms 54.12% of its industry peers.
TTEC has a Quick Ratio of 1.77. 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 (1.77) which is comparable to the rest of the industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | 1.77 | ||
| Quick Ratio | 1.77 |
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.
TTEC shows a very negative growth in Revenue. In the last year, the Revenue has decreased by -10.36%.
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)-10.36%
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 26.23% yearly.
The Revenue is expected to decrease by -0.31% on average over the next years.
EPS Next Y55.87%
EPS Next 2Y39.26%
EPS Next 3Y26.23%
EPS Next 5YN/A
Revenue Next Year-5.8%
Revenue Next 2Y-2.71%
Revenue Next 3Y-0.31%
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 3.33 indicates a rather cheap valuation of TTEC.
TTEC's Price/Earnings ratio is rather cheap when compared to the industry. TTEC is cheaper than 96.47% of the companies in the same industry.
TTEC's Price/Earnings ratio indicates a rather cheap valuation when compared to the S&P500 average which is at 25.67.
TTEC is valuated cheaply with a Price/Forward Earnings ratio of 1.96.
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 31.86, which is the current average of the S&P500 Index.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 3.33 | ||
| Fwd PE | 1.96 |
4.2 Price Multiples
92.94% of the companies in the same industry are more expensive than TTEC, based on the Enterprise Value to EBITDA ratio.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | N/A | ||
| EV/EBITDA | 5.26 |
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.
TTEC's earnings are expected to grow with 26.23% in the coming years. This may justify a more expensive valuation.
PEG (NY)0.06
PEG (5Y)N/A
EPS Next 2Y39.26%
EPS Next 3Y26.23%
5. Dividend
5.1 Amount
TTEC has a Yearly Dividend Yield of 5.54%, which is a nice return.
TTEC's Dividend Yield is rather good when compared to the industry average which is at 2.57. TTEC pays more dividend than 98.82% of the companies in the same industry.
Compared to an average S&P500 Dividend Yield of 2.40, 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 2Y39.26%
EPS Next 3Y26.23%
NASDAQ:TTEC (11/7/2025, 10:51:16 AM)
2.7
-0.45 (-14.29%)
Chartmill FA Rating
GICS SectorInformation Technology
GICS IndustryGroupSoftware & Services
GICS IndustryIT Services
Earnings (Last)
Earnings (Next)
Inst Owners30.44%
Inst Owner Change-0.81%
Ins Owners58.52%
Ins Owner Change3.45%
Market Cap130.84M
Revenue(TTM)2.21B
Net Income(TTM)-25.72M
Analysts80
Price Target5.1 (88.89%)
Short Float %21.15%
Short Ratio14.5
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)2
Avg EPS beat(2)17.47%
Min EPS beat(2)7.84%
Max EPS beat(2)27.09%
EPS beat(4)2
Avg EPS beat(4)2.22%
Min EPS beat(4)-20.53%
Max EPS beat(4)27.09%
EPS beat(8)3
Avg EPS beat(8)-6.98%
EPS beat(12)7
Avg EPS beat(12)4.81%
EPS beat(16)11
Avg EPS beat(16)5.94%
Revenue beat(2)2
Avg Revenue beat(2)1.52%
Min Revenue beat(2)0.96%
Max Revenue beat(2)2.08%
Revenue beat(4)2
Avg Revenue beat(4)-1.01%
Min Revenue beat(4)-3.72%
Max Revenue beat(4)2.08%
Revenue beat(8)4
Avg Revenue beat(8)-1.16%
Revenue beat(12)7
Avg Revenue beat(12)-0.33%
Revenue beat(16)9
Avg Revenue beat(16)-0.39%
PT rev (1m)0%
PT rev (3m)-27.01%
EPS NQ rev (1m)0%
EPS NQ rev (3m)-10.89%
EPS NY rev (1m)0%
EPS NY rev (3m)0.46%
Revenue NQ rev (1m)0%
Revenue NQ rev (3m)0.62%
Revenue NY rev (1m)0%
Revenue NY rev (3m)2.45%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 3.33 | ||
| Fwd PE | 1.96 | ||
| P/S | 0.06 | ||
| P/FCF | N/A | ||
| P/OCF | 5.99 | ||
| P/B | 0.47 | ||
| P/tB | N/A | ||
| EV/EBITDA | 5.26 |
EPS(TTM)0.81
EY30%
EPS(NY)1.38
Fwd EY51%
FCF(TTM)-0.17
FCFYN/A
OCF(TTM)0.45
OCFY16.69%
SpS44.26
BVpS5.73
TBVpS-9.2
PEG (NY)0.06
PEG (5Y)N/A
Graham Number10.22
Profitability
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | -1.52% | ||
| ROE | -9.26% | ||
| ROCE | 6.56% | ||
| ROIC | 5.18% | ||
| ROICexc | 5.53% | ||
| ROICexgc | 13.03% | ||
| OM | 4.1% | ||
| PM (TTM) | N/A | ||
| GM | 21.76% | ||
| 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%
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-Score5
Asset Turnover1.27
Health
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 3.18 | ||
| Debt/FCF | N/A | ||
| Debt/EBITDA | 4.87 | ||
| Cap/Depr | 32.23% | ||
| Cap/Sales | 1.4% | ||
| Interest Coverage | 1.11 | ||
| Cash Conversion | 12.05% | ||
| Profit Quality | N/A | ||
| Current Ratio | 1.77 | ||
| Quick Ratio | 1.77 | ||
| Altman-Z | 2.14 |
F-Score5
WACC7.79%
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 Y55.87%
EPS Next 2Y39.26%
EPS Next 3Y26.23%
EPS Next 5YN/A
Revenue 1Y (TTM)-10.36%
Revenue growth 3Y-0.97%
Revenue growth 5Y6.08%
Sales Q2Q%-1.94%
Revenue Next Year-5.8%
Revenue Next 2Y-2.71%
Revenue Next 3Y-0.31%
Revenue Next 5YN/A
EBIT growth 1Y-4.55%
EBIT growth 3Y-29.69%
EBIT growth 5Y-8.98%
EBIT Next Year193.01%
EBIT Next 3Y45.69%
EBIT Next 5YN/A
FCF growth 1Y-107.53%
FCF growth 3YN/A
FCF growth 5YN/A
OCF growth 1Y-88.54%
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 3 / 10 to TTEC.
Can you provide the valuation status for TTEC HOLDINGS INC?
ChartMill assigns a valuation rating of 7 / 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 2 / 10.
What is the financial health of TTEC HOLDINGS INC (TTEC) stock?
The financial health rating of TTEC HOLDINGS INC (TTEC) is 2 / 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 55.87% in the next year.