TTEC HOLDINGS INC (TTEC) Fundamental Analysis & Valuation

NASDAQ:TTEC • US89854H1023

Current stock price

3.1 USD
+0.07 (+2.31%)
At close:
3.18 USD
+0.08 (+2.58%)
After Hours:

This TTEC fundamental analysis includes valuation metrics, fair value assessment, financial health analysis, profitability trends, growth metrics and dividend sustainability analysis.

3

1. TTEC Profitability Analysis

1.1 Basic Checks

  • In the past year TTEC was profitable.
  • TTEC had a positive operating cash flow in the past year.
  • The reported net income has been mixed in the past 5 years: TTEC reported negative net income in multiple 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 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 0 100M -100M 200M -200M -300M

1.2 Ratios

  • The Return On Assets of TTEC (-12.84%) is worse than 75.00% of its industry peers.
  • TTEC has a Return On Equity of -202.45%. This is amonst the worse of the industry: TTEC underperforms 80.68% of its industry peers.
  • With a decent Return On Invested Capital value of 6.64%, TTEC is doing good in the industry, outperforming 64.77% of the companies in the same industry.
  • Measured over the past 3 years, the Average Return On Invested Capital for TTEC is below the industry average of 10.44%.
  • The last Return On Invested Capital (6.64%) for TTEC is above the 3 year average (5.77%), which is a sign of increasing profitability.
Industry RankSector Rank
ROA -12.84%
ROE -202.45%
ROIC 6.64%
ROA(3y)-10.25%
ROA(5y)-3.78%
ROE(3y)-109.77%
ROE(5y)-56.77%
ROIC(3y)5.77%
ROIC(5y)7.53%
TTEC Yearly ROA, ROE, ROICTTEC Yearly ROA, ROE, ROICYearly ROA, ROE, ROIC 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 0 -50 -100 -150 -200

1.3 Margins

  • The Operating Margin of TTEC (4.50%) 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 21.82%. This is in the lower half of the industry: TTEC underperforms 77.27% of its industry peers.
  • In the last couple of years the Gross Margin of TTEC has declined.
Industry RankSector Rank
OM 4.5%
PM (TTM) N/A
GM 21.82%
OM growth 3Y-16.37%
OM growth 5Y-16.56%
PM growth 3YN/A
PM growth 5YN/A
GM growth 3Y-2.75%
GM growth 5Y-3.49%
TTEC Yearly Profit, Operating, Gross MarginsTTEC Yearly Profit, Operating, Gross MarginsYearly Profit, Operating, Gross Margins 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 0 10 -10 20

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ROAROEROICOperating and Profit MarginShow most profitable peers

3

2. TTEC Health Analysis

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.
  • 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.
TTEC Yearly Shares OutstandingTTEC Yearly Shares OutstandingYearly Shares Outstanding 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 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 2025 500M 1B 1.5B 2B

2.2 Solvency

  • TTEC has an Altman-Z score of 2.28. 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.
  • With a Altman-Z score value of 2.28, TTEC perfoms like the industry average, outperforming 46.59% of the companies in the same industry.
  • TTEC has a debt to FCF ratio of 10.92. This is a negative value and a sign of low solvency as TTEC would need 10.92 years to pay back of all of its debts.
  • TTEC has a Debt to FCF ratio of 10.92. This is comparable to the rest of the industry: TTEC outperforms 45.45% of its industry peers.
  • TTEC has a Debt/Equity ratio of 9.52. This is a high value indicating a heavy dependency on external financing.
  • The Debt to Equity ratio of TTEC (9.52) is worse than 81.82% of its industry peers.
Industry RankSector Rank
Debt/Equity 9.52
Debt/FCF 10.92
Altman-Z 2.28
ROIC/WACC0.93
WACC7.18%
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 2025 0 200M 400M 600M 800M

2.3 Liquidity

  • A Current Ratio of 1.89 indicates that TTEC should not have too much problems paying its short term obligations.
  • TTEC has a Current ratio (1.89) which is comparable to the rest of the industry.
  • TTEC has a Quick Ratio of 1.89. 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 Quick ratio, with a value of 1.89, TTEC is in line with its industry, outperforming 55.68% of the companies in the same industry.
Industry RankSector Rank
Current Ratio 1.89
Quick Ratio 1.89
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 2025 200M 400M 600M

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WACCDebt/EquityHow to determine the health of a companyAltman-Z scoreShow peers with great health

3

3. TTEC Growth Analysis

3.1 Past

  • The Earnings Per Share has grown by an impressive 53.52% over the past year.
  • Measured over the past years, TTEC shows a very negative growth in Earnings Per Share. The EPS has been decreasing by -20.85% on average per year.
  • The Revenue has decreased by -3.20% in the past year.
  • TTEC shows a small growth in Revenue. Measured over the last years, the Revenue has been growing by 1.86% yearly.
EPS 1Y (TTM)53.52%
EPS 3Y-33.4%
EPS 5Y-20.85%
EPS Q2Q%147.37%
Revenue 1Y (TTM)-3.2%
Revenue growth 3Y-4.37%
Revenue growth 5Y1.86%
Sales Q2Q%0.44%

3.2 Future

  • TTEC is expected to show quite a strong growth in Earnings Per Share. In the coming years, the EPS will grow by 10.96% yearly.
  • Based on estimates for the next years, TTEC will show a decrease in Revenue. The Revenue will decrease by -1.53% on average per year.
EPS Next Y13.46%
EPS Next 2Y11.98%
EPS Next 3Y10.96%
EPS Next 5YN/A
Revenue Next Year-2.45%
Revenue Next 2Y-1.18%
Revenue Next 3Y-1.53%
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.
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 2028 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 2028 1 2 3 4

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8

4. TTEC Valuation Analysis

4.1 Price/Earnings Ratio

  • Based on the Price/Earnings ratio of 2.84, the valuation of TTEC can be described as very cheap.
  • Based on the Price/Earnings ratio, TTEC is valued cheaper than 96.59% of the companies in the same industry.
  • When comparing the Price/Earnings ratio of TTEC to the average of the S&P500 Index (27.42), we can say TTEC is valued rather cheaply.
  • With a Price/Forward Earnings ratio of 2.51, the valuation of TTEC can be described as very cheap.
  • 98.86% 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 22.24.
Industry RankSector Rank
PE 2.84
Fwd PE 2.51
TTEC Price Earnings VS Forward Price EarningsTTEC Price Earnings VS Forward Price Earnings ChartPrice Earnings - Forward Price Earnings PE FPE 10 20 30 40

4.2 Price Multiples

  • 89.77% of the companies in the same industry are more expensive than TTEC, based on the Enterprise Value to EBITDA ratio.
  • Compared to the rest of the industry, the Price/Free Cash Flow ratio of TTEC indicates a rather cheap valuation: TTEC is cheaper than 100.00% of the companies listed in the same industry.
Industry RankSector Rank
P/FCF 1.82
EV/EBITDA 5.22
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

  • TTEC's low PEG Ratio(NY), which compensates the Price/Earnings for growth, indicates a rather cheap valuation of the company.
PEG (NY)0.21
PEG (5Y)N/A
EPS Next 2Y11.98%
EPS Next 3Y10.96%

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Price/EarningsPrice/FCFFCF per shareEV/EBITDAPEG RATIOShow best valued peers

5

5. TTEC Dividend Analysis

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 1.12, TTEC pays a better dividend. On top of this TTEC pays more dividend than 98.86% of the companies listed in the same industry.
  • Compared to an average S&P500 Dividend Yield of 1.81, TTEC pays a better dividend.
Industry RankSector Rank
Dividend Yield 5.54%

5.2 History

  • TTEC has paid a dividend for at least 10 years, which is a reliable track record.
Dividend Growth(5Y)N/A
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 2Y11.98%
EPS Next 3Y10.96%
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 2025 0 100M -100M 200M -200M -300M

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TTEC Fundamentals: All Metrics, Ratios and Statistics

TTEC HOLDINGS INC

NASDAQ:TTEC (4/24/2026, 8:12:01 PM)

After market: 3.18 +0.08 (+2.58%)

3.1

+0.07 (+2.31%)

Chartmill FA Rating
GICS IndustryGroupSoftware & Services
GICS IndustryIT Services
Earnings (Last)02-26
Earnings (Next)05-07
Inst Owners32.46%
Inst Owner Change0%
Ins Owners58.84%
Ins Owner Change2.67%
Market Cap150.69M
Revenue(TTM)2.14B
Net Income(TTM)-192.47M
Analysts76
Price Target5.1 (64.52%)
Short Float %35.58%
Short Ratio11.08
Dividend
Industry RankSector Rank
Dividend Yield 5.54%
Yearly Dividend0
Dividend Growth(5Y)N/A
DP0%
Div Incr Years0
Div Non Decr Years0
Ex-DateN/A
Surprises & Revisions
EPS beat(2)1
Avg EPS beat(2)-9.86%
Min EPS beat(2)-47.71%
Max EPS beat(2)28%
EPS beat(4)3
Avg EPS beat(4)3.8%
Min EPS beat(4)-47.71%
Max EPS beat(4)28%
EPS beat(8)3
Avg EPS beat(8)-9.49%
EPS beat(12)6
Avg EPS beat(12)0.14%
EPS beat(16)10
Avg EPS beat(16)3.49%
Revenue beat(2)2
Avg Revenue beat(2)5.41%
Min Revenue beat(2)2.21%
Max Revenue beat(2)8.6%
Revenue beat(4)4
Avg Revenue beat(4)3.46%
Min Revenue beat(4)0.96%
Max Revenue beat(4)8.6%
Revenue beat(8)5
Avg Revenue beat(8)0.21%
Revenue beat(12)7
Avg Revenue beat(12)0.34%
Revenue beat(16)10
Avg Revenue beat(16)0.36%
PT rev (1m)0%
PT rev (3m)0%
EPS NQ rev (1m)0%
EPS NQ rev (3m)-22.58%
EPS NY rev (1m)-12.45%
EPS NY rev (3m)-9.01%
Revenue NQ rev (1m)0%
Revenue NQ rev (3m)-1.98%
Revenue NY rev (1m)0%
Revenue NY rev (3m)-2.45%
Valuation
Industry RankSector Rank
PE 2.84
Fwd PE 2.51
P/S 0.07
P/FCF 1.82
P/OCF 1.24
P/B 1.59
P/tB N/A
EV/EBITDA 5.22
EPS(TTM)1.09
EY35.16%
EPS(NY)1.24
Fwd EY39.9%
FCF(TTM)1.71
FCFY55.06%
OCF(TTM)2.49
OCFY80.35%
SpS43.96
BVpS1.96
TBVpS-8.38
PEG (NY)0.21
PEG (5Y)N/A
Graham Number6.92559 (123.41%)
Profitability
Industry RankSector Rank
ROA -12.84%
ROE -202.45%
ROCE 8.41%
ROIC 6.64%
ROICexc 7.16%
ROICexgc 13.61%
OM 4.5%
PM (TTM) N/A
GM 21.82%
FCFM 3.88%
ROA(3y)-10.25%
ROA(5y)-3.78%
ROE(3y)-109.77%
ROE(5y)-56.77%
ROIC(3y)5.77%
ROIC(5y)7.53%
ROICexc(3y)6.26%
ROICexc(5y)8.26%
ROICexgc(3y)14.24%
ROICexgc(5y)22.26%
ROCE(3y)7.3%
ROCE(5y)9.53%
ROICexgc growth 3Y-20.52%
ROICexgc growth 5Y-16.47%
ROICexc growth 3Y-8.47%
ROICexc growth 5Y-16.22%
OM growth 3Y-16.37%
OM growth 5Y-16.56%
PM growth 3YN/A
PM growth 5YN/A
GM growth 3Y-2.75%
GM growth 5Y-3.49%
F-Score6
Asset Turnover1.43
Health
Industry RankSector Rank
Debt/Equity 9.52
Debt/FCF 10.92
Debt/EBITDA 4.87
Cap/Depr 42.46%
Cap/Sales 1.78%
Interest Coverage 1.39
Cash Conversion 65.14%
Profit Quality N/A
Current Ratio 1.89
Quick Ratio 1.89
Altman-Z 2.28
F-Score6
WACC7.18%
ROIC/WACC0.93
Cap/Depr(3y)51.85%
Cap/Depr(5y)58.63%
Cap/Sales(3y)2.19%
Cap/Sales(5y)2.54%
Profit Quality(3y)N/A
Profit Quality(5y)N/A
High Growth Momentum
Growth
EPS 1Y (TTM)53.52%
EPS 3Y-33.4%
EPS 5Y-20.85%
EPS Q2Q%147.37%
EPS Next Y13.46%
EPS Next 2Y11.98%
EPS Next 3Y10.96%
EPS Next 5YN/A
Revenue 1Y (TTM)-3.2%
Revenue growth 3Y-4.37%
Revenue growth 5Y1.86%
Sales Q2Q%0.44%
Revenue Next Year-2.45%
Revenue Next 2Y-1.18%
Revenue Next 3Y-1.53%
Revenue Next 5YN/A
EBIT growth 1Y19.07%
EBIT growth 3Y-20.02%
EBIT growth 5Y-15.01%
EBIT Next Year144.68%
EBIT Next 3Y33.31%
EBIT Next 5YN/A
FCF growth 1Y179.78%
FCF growth 3Y16.11%
FCF growth 5Y-17.12%
OCF growth 1Y305.85%
OCF growth 3Y-4.04%
OCF growth 5Y-14.94%

TTEC HOLDINGS INC / TTEC Fundamental Analysis 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 8 / 10 to TTEC HOLDINGS INC (TTEC). This can be considered as Undervalued.


How profitable is TTEC HOLDINGS INC (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.


Is the dividend of TTEC HOLDINGS INC sustainable?

The dividend rating of TTEC HOLDINGS INC (TTEC) is 5 / 10 and the dividend payout ratio is 0%.