3.3 USD
-0.02 (-0.6%)
3.3 USD
0 (0%)
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. 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.
- 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
- Looking at the Return On Assets, with a value of -1.07%, TTEC is in line with its industry, outperforming 46.59% of the companies in the same industry.
- TTEC has a Return On Equity of -6.82%. This is comparable to the rest of the industry: TTEC outperforms 46.59% of its industry peers.
- TTEC has a Return On Invested Capital (5.03%) which is in line with its industry peers.
- TTEC had an Average Return On Invested Capital over the past 3 years of 6.39%. This is significantly below the industry average of 28.99%.
| 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
- Looking at the Operating Margin, with a value of 3.93%, TTEC is in line with its industry, outperforming 54.55% of the companies in the same industry.
- TTEC's Operating Margin has declined in the last couple of years.
- TTEC has a Gross Margin of 21.46%. This is in the lower half of the industry: TTEC underperforms 78.41% 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
- The Return on Invested Capital (ROIC) is below the Cost of Capital (WACC), so TTEC is destroying value.
- TTEC has more shares outstanding than it did 1 year ago.
- Compared to 5 years ago, TTEC has more shares outstanding
- Compared to 1 year ago, TTEC has a worse debt to assets ratio.
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.
- With a Altman-Z score value of 2.13, TTEC perfoms like the industry average, outperforming 43.18% 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 comparable to the rest of the industry.
- A Debt/Equity ratio of 3.35 is on the high side and indicates that TTEC has dependencies on debt financing.
- The Debt to Equity ratio of TTEC (3.35) is worse than 78.41% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 3.35 | ||
| Debt/FCF | 10.72 | ||
| Altman-Z | 2.13 |
ROIC/WACC0.64
WACC7.85%
2.3 Liquidity
- TTEC has a Current Ratio of 1.75. This is a normal value and indicates that TTEC is financially healthy and should not expect problems in meeting 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's Quick ratio of 1.75 is in line compared to the rest of the industry. TTEC outperforms 53.41% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | 1.75 | ||
| Quick Ratio | 1.75 |
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%.
- 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
- Based on estimates for the next years, TTEC will show a very strong growth in Earnings Per Share. The EPS will grow by 22.51% on average per year.
- 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
- 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 4.07, which indicates a rather cheap valuation of TTEC.
- TTEC's Price/Earnings ratio is rather cheap when compared to the industry. TTEC is cheaper than 96.59% of the companies in the same industry.
- The average S&P500 Price/Earnings ratio is at 27.47. TTEC is valued rather cheaply when compared to this.
- With a Price/Forward Earnings ratio of 2.43, the valuation of TTEC can be described as very cheap.
- Based on the Price/Forward Earnings ratio, TTEC is valued cheaper than 100.00% of the companies in the same industry.
- The average S&P500 Price/Forward Earnings ratio is at 24.26. TTEC is valued rather cheaply when compared to this.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 4.07 | ||
| Fwd PE | 2.43 |
4.2 Price Multiples
- Based on the Enterprise Value to EBITDA ratio, TTEC is valued cheaply inside the industry as 95.45% of the companies are valued more expensively.
- TTEC's Price/Free Cash Flow ratio is rather cheap when compared to the industry. TTEC is cheaper than 100.00% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 1.95 | ||
| EV/EBITDA | 5.54 |
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 22.51% in the coming years. This may justify a more expensive valuation.
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 0.43, TTEC pays a better dividend. On top of this TTEC pays more dividend than 100.00% of the companies listed in the same industry.
- TTEC's Dividend Yield is rather good when compared to the S&P500 average which is at 1.87.
| 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%
3.3
-0.02 (-0.6%)
Chartmill FA Rating
GICS SectorInformation Technology
GICS IndustryGroupSoftware & Services
GICS IndustryIT Services
Earnings (Last)11-06 2025-11-06/amc
Earnings (Next)02-25 2026-02-25/amc
Inst Owners33.57%
Inst Owner Change0%
Ins Owners58.57%
Ins Owner Change1.02%
Market Cap160.22M
Revenue(TTM)2.13B
Net Income(TTM)-17.97M
Analysts76
Price Target5.1 (54.55%)
Short Float %24.28%
Short Ratio14.44
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)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 Rank | Sector Rank | ||
|---|---|---|---|
| PE | 4.07 | ||
| Fwd PE | 2.43 | ||
| P/S | 0.08 | ||
| P/FCF | 1.95 | ||
| P/OCF | 1.36 | ||
| P/B | 0.61 | ||
| P/tB | N/A | ||
| EV/EBITDA | 5.54 |
EPS(TTM)0.81
EY24.55%
EPS(NY)1.36
Fwd EY41.19%
FCF(TTM)1.7
FCFY51.39%
OCF(TTM)2.42
OCFY73.29%
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 | 2.13 |
F-Score6
WACC7.85%
ROIC/WACC0.64
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 4.07 and the Price/Book (PB) ratio is 0.61.
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%.