TTEC HOLDINGS INC (TTEC) Fundamental Analysis & Valuation

NASDAQ:TTEC • US89854H1023

Current stock price

2.67 USD
-0.01 (-0.37%)
Last:

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.
  • In the past year TTEC had a positive cash flow from operations.
  • In multiple years TTEC reported negative net income over the last 5 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

  • TTEC's Return On Assets of -12.84% is on the low side compared to the rest of the industry. TTEC is outperformed by 72.73% of its industry peers.
  • TTEC has a worse Return On Equity (-202.45%) than 80.68% of its industry peers.
  • TTEC's Return On Invested Capital of 6.64% is fine compared to the rest of the industry. TTEC outperforms 65.91% of its industry peers.
  • The Average Return On Invested Capital over the past 3 years for TTEC is significantly below the industry average of 11.08%.
  • 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

  • TTEC has a Operating Margin of 4.50%. This is comparable to the rest of the industry: TTEC outperforms 55.68% of its industry peers.
  • TTEC's Operating Margin has declined in the last couple of years.
  • Looking at the Gross Margin, with a value of 21.82%, TTEC is doing worse than 77.27% of the companies in the same industry.
  • 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

  • TTEC has a Return on Invested Capital (ROIC), which is below the Cost of Capital (WACC), which means it is destroying value.
  • The number of shares outstanding for TTEC has been increased compared to 1 year ago.
  • TTEC has more shares outstanding than it did 5 years ago.
  • TTEC has a worse debt/assets ratio than last year.
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

  • An Altman-Z score of 2.28 indicates that TTEC is not a great score, but indicates only limited risk for bankruptcy at the moment.
  • TTEC has a Altman-Z score (2.28) which is in line with its industry peers.
  • 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.
  • With a Debt to FCF ratio value of 10.92, TTEC perfoms like the industry average, outperforming 45.45% of the companies in the same industry.
  • A Debt/Equity ratio of 9.52 is on the high side and indicates that TTEC has dependencies on debt financing.
  • TTEC has a worse Debt to Equity ratio (9.52) than 81.82% of its industry peers.
Industry RankSector Rank
Debt/Equity 9.52
Debt/FCF 10.92
Altman-Z 2.28
ROIC/WACC0.95
WACC7.02%
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.
  • A Quick Ratio of 1.89 indicates that TTEC should not have too much problems paying its short term obligations.
  • TTEC has a Quick ratio (1.89) which is comparable to the rest of the 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.
  • The earnings per share for TTEC have been decreasing by -20.85% on average. This is quite bad
  • 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

  • Based on estimates for the next years, TTEC will show a quite strong growth in Earnings Per Share. The EPS will grow by 10.96% on average per year.
  • 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 Y29.61%
EPS Next 2Y13.23%
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

  • 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 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 2.45, the valuation of TTEC can be described as very cheap.
  • Based on the Price/Earnings ratio, TTEC is valued cheaper than 97.73% of the companies in the same industry.
  • When comparing the Price/Earnings ratio of TTEC to the average of the S&P500 Index (25.23), we can say TTEC is valued rather cheaply.
  • A Price/Forward Earnings ratio of 1.89 indicates a rather cheap valuation of TTEC.
  • 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 22.42, which is the current average of the S&P500 Index.
Industry RankSector Rank
PE 2.45
Fwd PE 1.89
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 cheaply inside the industry as 89.77% of the companies are valued more expensively.
  • Based on the Price/Free Cash Flow ratio, TTEC is valued cheaper than 100.00% of the companies in the same industry.
Industry RankSector Rank
P/FCF 1.56
EV/EBITDA 5.13
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.
PEG (NY)0.08
PEG (5Y)N/A
EPS Next 2Y13.23%
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.
  • The stock price of TTEC dropped by -26.78% 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.
  • Compared to an average industry Dividend Yield of 0.96, TTEC pays a better dividend. On top of this TTEC pays more dividend than 98.86% 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 1.89.
Industry RankSector Rank
Dividend Yield 5.54%

5.2 History

  • TTEC has been paying a dividend for at least 10 years, so it has 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 2Y13.23%
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 (3/23/2026, 2:32:08 PM)

2.67

-0.01 (-0.37%)

Chartmill FA Rating
GICS IndustryGroupSoftware & Services
GICS IndustryIT Services
Earnings (Last)02-26
Earnings (Next)05-06
Inst Owners32.34%
Inst Owner Change-5.15%
Ins Owners58.55%
Ins Owner Change3.46%
Market Cap129.68M
Revenue(TTM)2.14B
Net Income(TTM)-192.47M
Analysts76
Price Target5.1 (91.01%)
Short Float %33.9%
Short Ratio14.14
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)-22.58%
EPS NQ rev (3m)-22.58%
EPS NY rev (1m)3.94%
EPS NY rev (3m)3.94%
Revenue NQ rev (1m)-1.98%
Revenue NQ rev (3m)-1.98%
Revenue NY rev (1m)-2.45%
Revenue NY rev (3m)-2.45%
Valuation
Industry RankSector Rank
PE 2.45
Fwd PE 1.89
P/S 0.06
P/FCF 1.56
P/OCF 1.07
P/B 1.36
P/tB N/A
EV/EBITDA 5.13
EPS(TTM)1.09
EY40.82%
EPS(NY)1.41
Fwd EY52.91%
FCF(TTM)1.71
FCFY63.98%
OCF(TTM)2.49
OCFY93.36%
SpS44
BVpS1.96
TBVpS-8.39
PEG (NY)0.08
PEG (5Y)N/A
Graham Number6.93
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
WACC7.02%
ROIC/WACC0.95
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 Y29.61%
EPS Next 2Y13.23%
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 Year145.91%
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.


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 2.45 and the Price/Book (PB) ratio is 1.36.


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%.