TTEC HOLDINGS INC (TTEC) Stock Fundamental Analysis

USA • Nasdaq • NASDAQ:TTEC • US89854H1023

2.93 USD
-0.23 (-7.28%)
At close: Feb 5, 2026
2.93 USD
0 (0%)
After Hours: 2/5/2026, 5:20:01 PM
Fundamental Rating

4

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. Both the profitability and financial health of TTEC have multiple concerns. 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

  • 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.
  • 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 has a Return On Assets of -1.07%. This is comparable to the rest of the industry: TTEC outperforms 46.59% of its industry peers.
  • TTEC has a Return On Equity (-6.82%) which is comparable to the rest of the industry.
  • The Return On Invested Capital of TTEC (5.03%) is comparable to the rest of the industry.
  • The Average Return On Invested Capital over the past 3 years for TTEC is significantly below the industry average of 29.07%.
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 has a Operating Margin of 3.93%. This is comparable to the rest of the industry: TTEC outperforms 54.55% of its industry peers.
  • TTEC's Operating Margin has declined in the last couple of years.
  • TTEC has a worse Gross Margin (21.46%) than 78.41% of its industry peers.
  • 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

  • TTEC has a Return on Invested Capital (ROIC), which is below the Cost of Capital (WACC), which means it is destroying value.
  • Compared to 1 year ago, TTEC has more shares outstanding
  • TTEC has more shares outstanding than it did 5 years ago.
  • The debt/assets ratio for TTEC is higher compared to a year ago.
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 2.13 indicates that TTEC is not a great score, but indicates only limited risk for bankruptcy at the moment.
  • Looking at the Altman-Z score, with a value of 2.13, TTEC is in line with its industry, outperforming 44.32% 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.
  • TTEC has a Debt/Equity ratio of 3.35. This is a high value indicating a heavy dependency on external financing.
  • Looking at the Debt to Equity ratio, with a value of 3.35, TTEC is doing worse than 78.41% of the companies in the same industry.
Industry RankSector Rank
Debt/Equity 3.35
Debt/FCF 10.72
Altman-Z 2.13
ROIC/WACC0.65
WACC7.73%
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.
  • With a Current ratio value of 1.75, TTEC perfoms like the industry average, 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.
  • TTEC has a Quick ratio (1.75) which is comparable to the rest of the 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

  • 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.
  • Based on estimates for the next years, TTEC will show a decrease in Revenue. The Revenue will decrease by -2.64% on average per year.
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

  • The Price/Earnings ratio is 3.62, which indicates a rather cheap valuation of TTEC.
  • Based on the Price/Earnings ratio, TTEC is valued cheaper than 96.59% of the companies in the same industry.
  • TTEC is valuated cheaply when we compare the Price/Earnings ratio to 27.67, which is the current average of the S&P500 Index.
  • TTEC is valuated cheaply with a Price/Forward Earnings ratio of 2.16.
  • 100.00% of the companies in the same industry are more expensive than TTEC, based on the Price/Forward Earnings ratio.
  • TTEC's Price/Forward Earnings ratio indicates a rather cheap valuation when compared to the S&P500 average which is at 27.20.
Industry RankSector Rank
PE 3.62
Fwd PE 2.16
TTEC Price Earnings VS Forward Price EarningsTTEC Price Earnings VS Forward Price Earnings ChartPrice Earnings - Forward Price Earnings PE FPE 5 10 15 20 25

4.2 Price Multiples

  • Based on the Enterprise Value to EBITDA ratio, TTEC is valued cheaper than 94.32% of the companies in the same industry.
  • Based on the Price/Free Cash Flow ratio, TTEC is valued cheaper than 98.86% of the companies in the same industry.
Industry RankSector Rank
P/FCF 1.73
EV/EBITDA 5.49
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 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%

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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.
  • TTEC's Dividend Yield is rather good when compared to the industry average which is at 0.46. TTEC pays more dividend than 100.00% of the companies in the same industry.
  • TTEC's Dividend Yield is rather good when compared to the S&P500 average which is at 1.82.
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 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

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TTEC HOLDINGS INC

NASDAQ:TTEC (2/5/2026, 5:20:01 PM)

After market: 2.93 0 (0%)

2.93

-0.23 (-7.28%)

Chartmill FA Rating
GICS IndustryGroupSoftware & Services
GICS IndustryIT Services
Earnings (Last)11-06
Earnings (Next)02-26
Inst Owners33.57%
Inst Owner Change-1.5%
Ins Owners58.57%
Ins Owner Change0.87%
Market Cap142.25M
Revenue(TTM)2.13B
Net Income(TTM)-17.97M
Analysts76
Price Target5.1 (74.06%)
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 3.62
Fwd PE 2.16
P/S 0.07
P/FCF 1.73
P/OCF 1.21
P/B 0.54
P/tB N/A
EV/EBITDA 5.49
EPS(TTM)0.81
EY27.65%
EPS(NY)1.36
Fwd EY46.39%
FCF(TTM)1.7
FCFY57.88%
OCF(TTM)2.42
OCFY82.54%
SpS43.96
BVpS5.43
TBVpS-9.31
PEG (NY)0.07
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 2.13
F-Score6
WACC7.73%
ROIC/WACC0.65
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 3.62 and the Price/Book (PB) ratio is 0.54.


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%.