TTEC HOLDINGS INC (TTEC) Stock Fundamental Analysis
USA - NASDAQ:TTEC - US89854H1023 - Common Stock
3.55 USD
-0.02 (-0.56%)
Taking everything into account, TTEC scores 3 out of 10 in our fundamental rating. TTEC was compared to 86 industry peers in the IT Services industry. TTEC may be in some trouble as it scores bad on both profitability and health. 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 (-1.52%) which is comparable to the rest of the industry.
With a Return On Equity value of -9.26%, TTEC perfoms like the industry average, outperforming 40.70% of the companies in the same industry.
Looking at the Return On Invested Capital, with a value of 5.18%, TTEC is in line with its industry, outperforming 58.14% of the companies in the same industry.
Measured over the past 3 years, the Average Return On Invested Capital for TTEC is significantly below the industry average of 21.79%.
| 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
TTEC has a Operating Margin of 4.10%. This is comparable to the rest of the industry: TTEC outperforms 52.33% of its industry peers.
In the last couple of years the Operating Margin of TTEC has declined.
The Gross Margin of TTEC (21.76%) is worse than 80.23% of its industry peers.
TTEC's Gross Margin has declined in the last couple of years.
| 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.
The number of shares outstanding for TTEC has been increased compared to 1 year ago.
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 2.15 indicates that TTEC is not a great score, but indicates only limited risk for bankruptcy at the moment.
TTEC has a Altman-Z score of 2.15. This is comparable to the rest of the industry: TTEC outperforms 44.19% of its industry peers.
TTEC has a Debt/Equity ratio of 3.18. This is a high value indicating a heavy dependency on external financing.
TTEC has a Debt to Equity ratio of 3.18. This is amonst the worse of the industry: TTEC underperforms 84.88% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 3.18 | ||
| Debt/FCF | N/A | ||
| Altman-Z | 2.15 |
ROIC/WACC0.66
WACC7.91%
2.3 Liquidity
TTEC has a Current 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 Current ratio of 1.77. This is comparable to the rest of the industry: TTEC outperforms 54.65% 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's Quick ratio of 1.77 is in line compared to the rest of the industry. TTEC outperforms 56.98% of its industry peers.
| 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 strongly by -36.51% 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.
Looking at the last year, TTEC shows a decrease in Revenue. The Revenue has decreased by -8.34% in the last year.
Measured over the past years, TTEC shows a small growth in Revenue. The Revenue has been growing by 6.08% on average per year.
EPS 1Y (TTM)-36.51%
EPS 3Y-46.44%
EPS 5Y-17.87%
EPS Q2Q%57.14%
Revenue 1Y (TTM)-8.34%
Revenue growth 3Y-0.97%
Revenue growth 5Y6.08%
Sales Q2Q%-3.84%
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.
Based on estimates for the next years, TTEC will show a decrease in Revenue. The Revenue will decrease by -0.31% on average per year.
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
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.
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
TTEC is valuated cheaply with a Price/Earnings ratio of 4.44.
Based on the Price/Earnings ratio, TTEC is valued cheaper than 96.51% of the companies in the same industry.
The average S&P500 Price/Earnings ratio is at 27.30. TTEC is valued rather cheaply when compared to this.
The Price/Forward Earnings ratio is 2.58, which indicates a rather cheap valuation of TTEC.
TTEC's Price/Forward Earnings ratio is rather cheap when compared to the industry. TTEC is 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 (22.73), we can say TTEC is valued rather cheaply.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 4.44 | ||
| Fwd PE | 2.58 |
4.2 Price Multiples
Based on the Enterprise Value to EBITDA ratio, TTEC is valued cheaply inside the industry as 94.19% of the companies are valued more expensively.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | N/A | ||
| EV/EBITDA | 5.37 |
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.
A more expensive valuation may be justified as TTEC's earnings are expected to grow with 26.23% in the coming years.
PEG (NY)0.08
PEG (5Y)N/A
EPS Next 2Y39.26%
EPS Next 3Y26.23%
5. Dividend
5.1 Amount
With a Yearly Dividend Yield of 5.54%, TTEC is a good candidate for dividend investing.
The stock price of TTEC dropped by -32.26% in the last 3 months. With lower prices the dividend yield is higher, but it may be a sign investors do not trust the long term dividend.
TTEC's Dividend Yield is rather good when compared to the industry average which is at 2.36. TTEC pays more dividend than 98.84% of the companies in the same industry.
TTEC's Dividend Yield is rather good when compared to the S&P500 average which is at 2.38.
| 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 (9/15/2025, 11:55:07 AM)
3.55
-0.02 (-0.56%)
Chartmill FA Rating
GICS SectorInformation Technology
GICS IndustryGroupSoftware & Services
GICS IndustryIT Services
Earnings (Last)
Earnings (Next)
Inst Owners33.96%
Inst Owner Change-7.45%
Ins Owners59.29%
Ins Owner Change2.67%
Market Cap172.03M
Analysts80
Price Target5.1 (43.66%)
Short Float %17.28%
Short Ratio8.05
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)-27.01%
PT rev (3m)-19.79%
EPS NQ rev (1m)-10.89%
EPS NQ rev (3m)-16.67%
EPS NY rev (1m)0.46%
EPS NY rev (3m)-2.91%
Revenue NQ rev (1m)0.12%
Revenue NQ rev (3m)0.97%
Revenue NY rev (1m)2.45%
Revenue NY rev (3m)2.36%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 4.44 | ||
| Fwd PE | 2.58 | ||
| P/S | 0.08 | ||
| P/FCF | N/A | ||
| P/OCF | 7.88 | ||
| P/B | 0.62 | ||
| P/tB | N/A | ||
| EV/EBITDA | 5.37 |
EPS(TTM)0.8
EY22.54%
EPS(NY)1.38
Fwd EY38.79%
FCF(TTM)-0.17
FCFYN/A
OCF(TTM)0.45
OCFY12.69%
SpS44.26
BVpS5.73
TBVpS-9.2
PEG (NY)0.08
PEG (5Y)N/A
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%
ROICexcg growth 3Y-35.71%
ROICexcg 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 | 2.15 |
F-Score5
WACC7.91%
ROIC/WACC0.66
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)-36.51%
EPS 3Y-46.44%
EPS 5Y-17.87%
EPS Q2Q%57.14%
EPS Next Y55.87%
EPS Next 2Y39.26%
EPS Next 3Y26.23%
EPS Next 5YN/A
Revenue 1Y (TTM)-8.34%
Revenue growth 3Y-0.97%
Revenue growth 5Y6.08%
Sales Q2Q%-3.84%
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 Year193.24%
EBIT Next 3Y40.56%
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