3.62 USD
+0.16 (+4.62%)
3.62 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. Both the profitability and financial health of TTEC have multiple concerns. TTEC is valued quite cheap, but it does not seem to be growing.
1. Profitability
1.1 Basic Checks
In the past year TTEC was profitable.
In the past year TTEC had a positive cash flow from operations.
TTEC had positive earnings in 4 of the past 5 years.
Of the past 5 years TTEC 4 years had a positive operating cash flow.
1.2 Ratios
TTEC has a Return On Assets (-1.07%) which is in line with its industry peers.
TTEC has a Return On Equity (-6.82%) which is comparable to the rest of the industry.
With a Return On Invested Capital value of 5.03%, TTEC perfoms like the industry average, outperforming 57.95% 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 29.60%.
| 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
The Operating Margin of TTEC (3.93%) is comparable to the rest of the industry.
In the last couple of years the Operating Margin of TTEC has declined.
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 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
TTEC has a Return on Invested Capital (ROIC), which is below the Cost of Capital (WACC), which means it 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.
TTEC has a worse debt/assets ratio than last year.
2.2 Solvency
An Altman-Z score of 2.14 indicates that TTEC is not a great score, but indicates only limited risk for bankruptcy at the moment.
TTEC has a Altman-Z score (2.14) which is comparable to the rest of the 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's Debt to FCF ratio of 10.72 is in line compared to the rest of the industry. TTEC outperforms 45.45% of its industry peers.
A Debt/Equity ratio of 3.35 is on the high side and indicates that TTEC has dependencies on debt financing.
With a Debt to Equity ratio value of 3.35, TTEC is not doing good in the industry: 80.68% of the companies in the same industry are doing better.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 3.35 | ||
| Debt/FCF | 10.72 | ||
| Altman-Z | 2.14 |
ROIC/WACC0.63
WACC7.95%
2.3 Liquidity
A Current Ratio of 1.75 indicates that TTEC should not have too much problems paying its short term obligations.
TTEC has a Current ratio of 1.75. This is comparable to the rest of the industry: TTEC outperforms 55.68% of its industry peers.
A Quick Ratio of 1.75 indicates that TTEC should not have too much problems paying its short term obligations.
The Quick ratio of TTEC (1.75) is comparable to the rest of the industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | 1.75 | ||
| Quick Ratio | 1.75 |
3. Growth
3.1 Past
The earnings per share for TTEC have decreased by -8.99% in the last year.
TTEC shows a very negative growth in Earnings Per Share. Measured over the last years, the EPS has been decreasing by -17.87% yearly.
TTEC shows a decrease in Revenue. In the last year, the revenue decreased by -5.82%.
TTEC shows a small growth in Revenue. Measured over the last years, the Revenue has been growing by 6.08% yearly.
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.
4. Valuation
4.1 Price/Earnings Ratio
With a Price/Earnings ratio of 4.47, 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.
The average S&P500 Price/Earnings ratio is at 26.59. TTEC is valued rather cheaply when compared to this.
With a Price/Forward Earnings ratio of 2.66, the valuation of TTEC can be described as very cheap.
100.00% of the companies in the same industry are more expensive than TTEC, based on the Price/Forward Earnings ratio.
When comparing the Price/Forward Earnings ratio of TTEC to the average of the S&P500 Index (24.03), we can say TTEC is valued rather cheaply.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 4.47 | ||
| Fwd PE | 2.66 |
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 100.00% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 2.13 | ||
| EV/EBITDA | 5.58 |
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.
A more expensive valuation may be justified as TTEC's earnings are expected to grow with 22.51% in the coming years.
PEG (NY)0.08
PEG (5Y)N/A
EPS Next 2Y38.36%
EPS Next 3Y22.51%
5. Dividend
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 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 paid a dividend for at least 10 years, which is 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%
3.62
+0.16 (+4.62%)
Chartmill FA Rating
GICS SectorInformation Technology
GICS IndustryGroupSoftware & Services
GICS IndustryIT Services
Earnings (Last)
Earnings (Next)
Inst Owners32.97%
Inst Owner Change4.64%
Ins Owners58.56%
Ins Owner Change1.04%
Market Cap175.75M
Revenue(TTM)2.13B
Net Income(TTM)-17.97M
Analysts76
Price Target5.1 (40.88%)
Short Float %24.22%
Short Ratio14.53
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)-1.38%
EPS NY rev (3m)-1.38%
Revenue NQ rev (1m)0%
Revenue NQ rev (3m)-5.02%
Revenue NY rev (1m)-0.28%
Revenue NY rev (3m)-0.28%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 4.47 | ||
| Fwd PE | 2.66 | ||
| P/S | 0.08 | ||
| P/FCF | 2.13 | ||
| P/OCF | 1.5 | ||
| P/B | 0.67 | ||
| P/tB | N/A | ||
| EV/EBITDA | 5.58 |
EPS(TTM)0.81
EY22.38%
EPS(NY)1.36
Fwd EY37.55%
FCF(TTM)1.7
FCFY46.84%
OCF(TTM)2.42
OCFY66.81%
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 | 2.14 |
F-Score6
WACC7.95%
ROIC/WACC0.63
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.
Can you provide the valuation status for TTEC HOLDINGS INC?
ChartMill assigns a valuation rating of 9 / 10 to TTEC HOLDINGS INC (TTEC). This can be considered as Undervalued.
What is the profitability of 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.
Can you provide the expected EPS growth for TTEC stock?
The Earnings per Share (EPS) of TTEC HOLDINGS INC (TTEC) is expected to grow by 53.72% in the next year.